U.S. BANCORP CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 01/07/2022 | Yes |
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Web | Older American |
| To Whom It May Concern : I have been involved in a protracted legal battle with US Bancorp for almost ten years, over their mishandling of multiple attempts to foreclose on a particular property, described below, and I believe I have been treated unfairly in large part due to their incompetence and unwillingness to allow me to communicate with anyone in a position of authority. I will do my best to describe what I consider to be an abuse of corporate power. My mother died on XX/XX/XXXX, with an outstanding US Bank loan. She had purchased a condominium in XXXX, in her own name and that of a revocable trust. In XXXX, she transferred the title into a Personal Residence Trust. I became the successor trustee for the Personal Residence Trust on XX/XX/XXXX. When my mother transferred the title to the condominium into the Personal Residence Trust, she retained personal responsibility for the loan. The trust has no assets other than the condo, which was a liability at the time of her death. The amount owed on the loan at that time was around {$610000.00}. The condo was appraised at {$530000.00} as of XX/XX/XXXX although I was advised by multiple real estate agents that it would never sell for that much. I spent the next 15 months calling US Bank almost every day. I was told repeatedly that the bank was only authorized to talk to my mother, who was deceased. Until XX/XX/XXXX I continued to pay the mortgage although the trust had no financial responsibility to do so. I consulted various professionals and an attorney finally suggested that the bank might speak with me if I stopped paying the mortgage, which I did in XX/XX/XXXX. On XX/XX/XXXX, the bank accelerated the loan. On XX/XX/XXXX, I sent them a letter telling them that my mother was deceased, that no probate or administration of her estate was planned, and that her estate was without funds to pay off the loan. I included a death certificate. In XX/XX/XXXX, the bank finally agreed to talk to me. Per their request for details, I sent a letter enclosing another copy of the death certificate along with the trust agreement and the document appointing me as successor trustee. In this letter, I informed US Bank that several of my siblings and I might be interested in purchasing the property or taking on the loan if it could be modified to an amount commensurate with the current value of the property. We felt that this might be the fastest route to a resolution. In XX/XX/XXXX, I attended the first of several Foreclosure Avoidance Mediations. After consulting with experts, it had become even more clear that purchasing the property would be the easiest solution to the problem. I put together an offer that considered the value of the condo at that time, the projected costs for the bank to foreclose and subsequently deal with the condo until it could be sold, as well as the decreased value of selling a bank-owned property. At that time, the condo was in good condition as far as I knew. Despite the federal requirement that someone with decision-making authority be present at the mediation, no one was. The attorney representing US Bank thought my offer was reasonable and we agreed to meet again in a month after she presented it to her client. At the follow up meeting I was told that the bank did not have a mechanism for accepting an offer from me because I was not the borrower. I accepted that decision and left the meeting thinking that foreclosure would proceed easily. I asked the attorney if there was any way to speed things along and was told that the bank needed to go through the entire process, which would probably take between nine and twelve months. What followed was a series of long delays. US Bank first attempted to foreclose in late summer XXXX, erroneously naming me, in my personal capacity, on the lawsuit, forcing me to hire an attorney. I believe that error was corrected but the bank then failed to prosecute the case in a timely fashion and the court dismissed everyone except for me, in my capacity as trustee, because the initial error had required me to file a response. In XX/XX/XXXX toxic mold was discovered in the condo, related to construction defects that had been known to the HOA and the previous owner but never disclosed to my mother. I had been staying in the condo up to that point, so that I could afford to pay the HOA dues, but I was forced to move out due to the health hazard. The first foreclosure trial took place in XX/XX/XXXX. Before the trial, my attorney asked the bank to put the case in abatement because of the mold issues and because the case was not ready for trial as no proper party was named. He also asked if the bank would be willing to attend a global mediation with the HOA to resolve all the issues at once. The bank declined both requests and lost the case at trial. The Judge explained in her decision that the bank had not listed anyone who owed them money and that they needed to open probate. My attorney attempted to reach the US bank attorney who had been handling the case up to that point to work out the terms. She did not respond to multiple emails and phone calls. The court issued a supplemental judgement, awarding attorney fees and costs to me, on XX/XX/XXXX. Despite many requests for payment and filing a writ of execution, the bank did not pay in a timely fashion. The HOA refused to fix the exterior defects that were causing water intrusion and mold and I was forced to file a lawsuit against them. It took two years to reach a settlement. In XX/XX/XXXX, a refrigerator leak resulted in additional water damage to the kitchen and an adjacent closet. This was reported to US Bank, but they never followed up. I finally paid for remediation, which included demolition of the kitchen and closet, when I started to fear that the damage might otherwise become irreversible. With the outcome of the unit still under dispute, it has not been in my interest to pay for reconstruction and the unit remains uninhabitable. During remediation of the kitchen damage, the contractor noted other areas concerning for water intrusion and another mold inspection was performed. Contractors have also pointed out areas of exterior wet and dry rot while performing estimates. The bank, as well as the HOA, were made aware of these issues and chose to ignore them. Another Foreclosure Avoidance mediation hearing was under discussion starting in late XXXX. It was my understanding that the bank was required to attend and obtain a certificate but that I was not. However, I had never been able to talk to a bank representative and thought it might be my only opportunity. At the first meeting of this second foreclosure avoidance mediation, held in XX/XX/XXXX, a new bank attorney arrived with no history of the condo whatsoever. He had not been told that the bank had already lost one foreclosure lawsuit or anything about the current condition of the condo. I appeared with an attorney who pointed out that I was the only creditor in the room since I had no personal responsibility for my mothers loan, but at that time the bank owed me a substantial amount of money in attorney fees. Again, there was no US bank representative present at the mediation, despite federal requirements. I made an offer to purchase the loan for the current value of the condominium. It was decided that, because of the complexities of the case, negotiations should proceed outside of the mediation environment. I requested a follow up meeting because I was afraid it would otherwise drag on forever. One was scheduled for a couple of months later but US Bank kept requesting delays and it didnt take place until XX/XX/XXXX. As discussed in the mediation, I presented a formal offer to purchase the loan, considering that the housing market had changed but that the condo was no longer habitable. Although the terms had been discussed at the mediation, and the US Bank attorney felt they were reasonable, soon after the mediation US Bank appointed a different attorney for the interim. We never received a response and did not see the attorney who had been present at the XX/XX/XXXX hearing again until the follow up hearing in XX/XX/XXXX. He had been told nothing of what had gone on in the meantime, no bank representative with decision-making authority was present, and the meeting was a waste of time. During late XXXX and XXXX, we attempted to negotiate some type of settlement with the bank and asked them to participate in a private mediation. To each overture, the bank attorney simply said that hed pass the request on to his client and nothing more was heard. In response to my requests for payment of the supplemental judgement awarded in XX/XX/XXXX, this same attorney asked me, at least twice, to calculate the amount owing, with interest, as of a particular date. I sent him the information and received no response. On XX/XX/XXXX, the XXXX XXXX sheriffs office collected the judgement at a local US Bank branch and the funds were disbursed to me several months later. In XX/XX/XXXX, the bank filed a new lawsuit, seeking a declaration that it was entitled to foreclose on the note and deed of trust, and that it could proceed under a lost note. Again, they failed to name their sole borrower as a defendant. We pointed this out, but the bank moved for summary judgment anyway. We filed a cross motion and the action was dismissed on XX/XX/XXXX, for failure to name the real party in interest. I was awarded attorney fees and an enhanced prevailing party fee for having to defend the action. Two months later, more than eight years after my mothers death, and four years after the judge in their first failed foreclosure lawsuit told them in no uncertain terms that they needed to do it, the bank opened probate. The initial petition sought to appoint a professional fiduciary to serve as personal representative of the estate, even though my mothers will specified that one of her children should serve in that capacity. When this was pointed out to them, they filed an amended petition, but the accompanying order still listed the professional fiduciary as personal representative. I objected but before the hearing could be held, the court dismissed the second petition for other technical deficiencies, including, I believe, the wrong address for the court. A third petition was filed, and I was appointed personal representative on XX/XX/XXXX, eight months after the bank first filed for probate. In the meantime, the bank ignored our requests for payment of the judgement associated with the dismissal of the motion for summary judgement in XX/XX/XXXX, until they hired a new law firm in XX/XX/XXXX. I believe this was the banks seventh set of attorneys and the first ones who seem to have learned from the mistakes of their predecessors. However, although they have more effectively navigated the complex legal process, they have shown no willingness to consider the effect the previous error-filled years have had on the condition of and actual value of the condo when compared with the purported payoff amount. I completed all the requirements to become the personal representative by early XX/XX/XXXX, although no probate hearings were ever held. Instead, the bank sought to proceed by judicial foreclosure and filed a Rule 21 Motion to Strike which was heard on XX/XX/XXXX. The bank was allowed to proceed with foreclosure without resolving the probate issue although some other elements of their motion were denied. In XX/XX/XXXX the bank agreed to attend a private mediation, something Id been hoping to do for years. The attorneys were the only bank representatives present at the mediation, again no one with decision making authority appeared, and they did not seem to take the conference seriously. I felt that they acted disrespectfully toward the mediator, a retired judge, and generally seemed to mock the proceeding. When confronted with their blatant unwillingness to work towards negotiating a settlement, they responded with a statement implying that their presence was all the effort required from them. The mediator proposed a settlement which I accepted. He also requested that he be allowed to speak directly with someone at US Bank. That request was ignored and I heard nothing more about it. In XX/XX/XXXX, the bank filed a Motion for Summary Judgement which was heard on XX/XX/XXXX and granted in part. Because the court found that there were genuine questions of fact as to the amount owing on the loan and whether certain charges were reasonable, the case went to trial on XX/XX/XXXX. Prior to the trial, I made another good faith offer after the attorney stated that her client was willing to consider an offer from me. I sent the offer, along with a timeline of the history, through my attorney on XX/XX/XXXX at XXXX pm PST. The local attorney for US bank responded just over an hour later with a cryptic message citing the current pay off amount as a counteroffer. I was willing to negotiate my offer, but the timing of the response suggested that the attorney had not taken the time to seriously consider it. Since the banks headquarters are in the central time zone, they would have been closed at the time my offer was sent, confirming my long-term suspicion that my offers were not being presented to anyone at the bank. On XX/XX/XXXX, the court ruled that Because of plaintiffs repeated failures to properly file and pursue this foreclosure action, plaintiff shall not be entitled to claim interest on the periods between XX/XX/XXXX to XX/XX/XXXX, between XX/XX/XXXX to XX/XX/XXXX, and between XX/XX/XXXX to XX/XX/XXXX. The payoff amount on that day was {$980000.00}, almost {$360000.00} more than the principal balance of XXXX. He did not reduce the amount of other bank charges that occurred during that time, totaling around {$180000.00}, which were entirely related to the banks failure to properly prosecute the case. The judge ordered counsel for plaintiff to submit a form of judgment. The attorneys original calculation was approximately {$10000.00} off, in the banks favor. Recalculated correctly, the ruling knocked off around {$70000.00} leaving a payoff balance of over {$910000.00} for an uninhabitable condominium which was most recently appraised at {$63000.00}, on XX/XX/XXXX, due to multiple issues which have only worsened since that time. I commissioned the XXXX appraisal after an appraiser hired by the bank in XXXX stated that there were no defects associated with the unit even though he included photos of the torn-out kitchen, hallway, bedroom flooring, and breached sliding glass doors in his report. For my part, I made a point to hire an appraiser who had previously appraised the unit for US Bank in XXXX, assuming it was someone they trusted. Its important to note that the XXXX appraisal was performed while the bank was supposedly considering my offer at that time, although they never followed up on that. In fact, all these appraisals were performed based on the implication that the bank was willing to negotiate a deal with me. I have received estimates to repair the condominium that have ranged from around {$170000.00} up to {$520000.00} depending on the level of repairs. The cost of repairs, and the length of time it would take to accomplish them, have gone up considerably over the years especially in the past six months due to supply chain difficulties and shortages. According to real estate agents and comparing sales of other units in the condominium complex, the lower end repairs might result in a sales price of around {$850000.00}. The higher end repairs could conceivably result in a sales price of {$1.00} million. A neighbor, who had at one time expressed interest in purchasing the unit, recently stated that he would not pay more than {$500000.00} since repairs and updates would run into the hundreds of thousands. All of this is to say that, regardless of the recent court ruling, the bank will almost certainly not find a buyer at auction for anywhere near {$910000.00}, let alone over {$980000.00} which was their most recent counteroffer to me. Not only will they be selling an uninhabitable, bank owned property, with a history of mold, and disclosure requirements that they will have no knowledge about, US Bank will also have extensive holding costs and legal expenses in the interim. The HOA dues of $ XXXX and property taxes of $ XXXX could reduce their buyers pool by as much as 50 % since it will preclude half the potential buyers from obtaining conventional financing. The continued presence of toxic mold in the HVAC system from the incident in XXXX, a new mold problem under the existing kitchen sink ( despite the water being turned off at the main ) and the fact that most of the kitchen as well as the bedroom flooring had to be torn out due to yet another mold problem, will be further barriers to conventional financing. In addition, the unit has sole responsibility for a deck that it does not own but must maintain. The drainage on the deck is faulty and it is impossible to keep water from ponding. The HOA has refused to repair it in the past, even though it is a limited common element. There is a long history of water intrusion issues in the entire complex and there is currently wet rot and dry rot involving the exterior siding of this condo. The sliding glass doors are breached and need to be replaced. The HOA board is aware of these issues but have made no move to correct the defects that caused them. Although I have undertaken demolition and remediation to stem the most destructive mold damage, there are additional areas of potential concern, noted in the mold report attached to this complaint. A buyer faces the risk that these issues cant be solved unless the HOA first repairs common elements, something that has proven to be an uphill battle in the past. A new owner could undertake extensive repairs only to have the water intrusion continue because the association has not solved the underlying problems. The extent of the problems is unknown, and a rational buyer wouldnt buy the unit at all or would want compensation for not being able to live in it until repairs were negotiated and performed, or for potentially having to repair it twice. Alternatively, the bank could fight these battles with the HOA prior to selling the unit and further increase its own costs. Yet according to their attorneys, US Bank has refused to entertain my most recent cash offer of {$64000.00}, which I was open to negotiate further, and they refused to respond to the mediators proposed resolution which would have had me pay the bank {$610000.00} in XX/XX/XXXX and saved them tens of thousands of dollars for the outstanding HOA lien, property taxes, and legal fees that they have subsequently paid. I cant help but feel that, either a suitable representative at the bank has never been consulted about this matter or that there is some form of discrimination occurring here. I find the fact that a bank, purportedly the ultimate authority in numerical accuracy, could not even calculate a simple mathematical formula to determine the amount of interest precluded by the judge in the most recent hearing, highly suspicious for the latter. Certainly, there are actuaries at the bank capable of not making a {$10000.00} mistake. That error seems more likely to have originated with an attorney who did not consult their client. I have never disputed that my mother took out a loan from US Bank and held a mortgage with them at the time of her death in XXXX. In fact, I diligently tried to give the condominium to the bank in the first two years after her death. They made it exceedingly hard for me to even reach them, let alone to negotiate whatever necessary transfer of title would have been required at that time. They never offered a cash for keys or deed in lieu option to me, possibilities that I didnt even know existed, and in fact denied that anything of that nature was possible when I asked their first attorney at the foreclosure avoidance mediation in XX/XX/XXXX if there could be a quick and simple resolution. I never learned those terms until the most recent bank attorney took over a little over a year ago by which time it no longer seemed simple or advantageous. For almost a decade, I have been trying to navigate a treacherous line between performing my fiduciary responsibility to an insolvent trust and my own priorities. Ive been stuck taking care of a condominium that I do not own and havent been able to live in or rent out since I became aware of the water intrusion and mold issues in XXXX. To make it livable, I would have had to pay for repairs out of my own pocket, not knowing if the bank would foreclose before I had an opportunity to recoup those expenditures. If I had known that it would take six more years for the bank to successfully foreclose, that investment would have been worth it. But I would never have predicted this outcome. If the bank had foreclosed quickly, they would have been the only beneficiary of any improvements I paid for. I asked one of their lawyers if the bank would be willing to reimburse me if that occurred and he never responded. As it is, I have had considerable out of pocket expenses stemming from my position as trustee of a trust that has no assets other than the condo. These include utilities, water damage and mold repair/remediation/demolition, multiple mold inspections and testing, appraisals, foreclosure avoidance and private mediation fees, legal expenses, plumbing repairs, condo insurance, contractor estimates, and probate expenses which turned out to be for naught. I have dealt with the occasional crisis and overall have spent close to {$100000.00} that has not been reimbursed. Its been stressful and costly and from my perspective has served to benefit no one except, perhaps, the bank who did not have to care for the place during the years when its value was markedly reduced by the financial crisis they contributed to causing. My sense is that US Bank has probably already made a profit from this propertys loss of value in the form of government bailouts, while that same loss of value was exceedingly costly for me and kept me from selling the condo. The bank has dragged their feet at every turn and refused to negotiate with me in good faith, all the while adding to what they claim to be owed at an exponential rate so that their payoff amount now borders on the ridiculous and bears no resemblance to the actual value of the property. I have done nothing to cause these delays, responding promptly and to the best of my ability to whatever they requested from me. If there was a situation in which I could have brought this to a close earlier, while still performing the duties of trustee, it was never clear to me, and the bank never brought such an offer to the table. Instead, they hired one set of attorneys after another, each apparently meant to correct the errors of previous counsel, only to have those mistakes repeated. They have wasted my time and the courts time, as well as their own. I have repeatedly been told that this probably all stemmed from negligence, that this property file inadvertently kept ending up at the bottom of a pile. My attorneys have always believed that the bank would eventually come to their senses and make a deal with me rather than continue to make the very choices that cost them more money. Isnt it the nature of a bank to put itself into the most profitable position? And yet, in this case, US Bank repeatedly chooses what appears to be the opposite and its difficult for me to believe there hasnt been some ulterior motive. Will they end up with the property and a big tax write off in addition to the bail out money they might have already received? Would it be fair of them to cost me a large amount of money, and ten years of my life, in order to do so? Or are they willing to lose money simply to discriminate against me for unknown reasons? None of it makes sense. I understand that this case has been fully litigated and that filing a complaint at this late date might be seen as sour grapes. I disagree. The fact that it was litigated for eight years was entirely due to bank errors and omissions and I believe that to be the most generous explanation. I wish that I had known about your agency 8 years ago, but its only recently been brought to my attention. I also recently discovered an email address for the CEO of US Bank and sent an email which elicited a response from the executive communications division on XX/XX/XXXX XXXX. I had been ready to submit this complaint at that time but held off in the hopes the bank would follow up with me. As of this date, they have not done so. In summary, my case with U.S. Bank has dragged on for nearly ten years and thru seven sets of bank attorneys. The condo has been severely damaged during the delays which has cost me a great deal of money. I have been sued personally by the bank, which was traumatic even though they lost, and have had a decade of legal expenses. During all this time the bank has never empowered anyone to negotiate a resolution or attempted in good faith to conclude a deal. I respectfully ask for your help. Since the court filings are public record, I am not attaching all of them to this complaint but will be happy to provide them if needed. Other relevant documents are attached. Please note that I have only included a few representative exchanges between myself and US Bancorp. If needed, I can supply copies of all communications between us. Thank you for your attention. Sincerely. *I have uploaded an unredacted copy of this narrative, which has superscripts to direct the reader to the appropriate document as the story unfolds, along with the supporting documents. | ||||||
| 03/10/2021 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, GE XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX GE XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. ELAN FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 04/07/2022 | Yes |
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| While XXXX at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) awaiting case disposition from XX/XX/XXXX through XX/XX/XXXX, I became the victim of identity theft. As a condition of deferred adjudication, I was further remanded to attend a XXXX day inpatient XXXX facility, XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX. This incidence of identity theft consist of the individual hacking into at least XXXX XXXX accounts, stealing my credentials and gaining access to my Texas XXXX XXXX ( XXXX ) unemployment, US Bank Reliacard, XXXX and XXXX accounts, submitting fraudulent change of addresses to each financial institution and the use of a US Bank Reliacard and theft in the total amount of {$11000.00}. Of the {$11000.00}, {$9300.00} was through XXXX via XXXX external transfer to an account held at XXXX Bank and {$2000.00} withdrawn from my US Bank Reliacard. With regards to the fraudulent activity that occurred through XXXX, CFPB complaint ID XXXX was filed and resolved in my favor on XX/XX/XXXX. Unemployment payments fraudulently stolen total {$7000.00} of which {$2000.00} occurred through the US Bank Reliacard. My legitimate unemployment claim began in XX/XX/XXXX, shortly after the XXXX pandemic began, and this account with US Bank XXXX XXXX in XXXX or XX/XX/XXXX when I received my first round of unemployment benefits. The funds fraudulently withdrawn and spent through the US Bank Reliacard account were through XXXX different US Bank XXXX, the first used during the month of XX/XX/XXXX and the second used during the month of XX/XX/XXXX. After a XXXX month period of being locked out of the US Bank Reliacard account from XX/XX/XXXX through XX/XX/XXXX due to a password placed on the account by the individual ( XXXX ) who perpetrated the fraud and identity theft, I regained access to my US Bank Reliacard account in XX/XX/XXXX and requested monthly statements for the period of fraudulent activity to determine the amount of fraud that occurred through the account. Upon receiving these statements, I promptly initiated the dispute claim process on XX/XX/XXXX for which is the present matter of this complaint. On or about XX/XX/XXXX, during a telephone conversation with a US Bank account XXXX in which I requested the monthly statements, I was informed that the individuals who perpetrated the identity theft and fraud through the account also attempted to initiate a fraudulent dispute claim for transactions that the perpetrators had conducted through the account. In other words, the individuals who committed the identity theft, fraud and forgery not only stole funds from the account through fraudulent ATM and debit card transactions but also attempted to increase the amount of money they stole from US Bank through the account by initiating a fraudulent dispute claim. It is imperative to note that this fraudulent dispute claim was initiated on XX/XX/XXXX ; I was not released from XXXX until XX/XX/XXXX upon which day I was remanded and immediately transferred to a XXXX inpatient XXXX treatment facility During the first XXXX days at the treatment facility, I was not allowed to use the telephone and subsequently was limited to XXXX phone calls. During these short phone calls between XX/XX/XXXX and XX/XX/XXXX, I attempted to alert US Bank of potential fraudulent activity that XXXX be occurring through the account as I had learned of similar fraudulent activity occurring through my Chime bank account and with my XXXX XXXXXXXX XXXX unemployment benefit claim. Due to the account password, however, I was not allowed to request for my US Bank Reliacard account to be frozen and my attempt to report fraudulent activity to US Bank that was occurring through the bank and my US Bank Reliacard account for the month of XX/XX/XXXX was thwarted by US Bank employees. I was also informed that until I was able to verify my identity, which would need to be done to remove the password on the account, I would not be able to initiate any dispute claim for any fraudulent activity that XXXX be occurring through the account. At the time, while a resident at the inpatient treatment facility, I was unable to verify my identity as I did not have my social security card, birth certificate or Texas state drivers license. Additionally, while at the treatment facility, I made several unsuccessful facsimile transmissions to verify my identity, but due to technical difficulties these facsimile transmissions were not accepted by US Bank as verifiable proof of my identity. Such facsimile transmission and acceptance by US Bank of verifiable proof of my identity was not made until mid XX/XX/XXXX. In spite of all this, US Bank initiated a partial dispute of all the fraudulent transactions that occurred through my US Bank Reliacard account on XX/XX/XXXX and made a determination of resolution finding that the XX/XX/XXXX transactions were erroneous and fraudulent in nature and credited my account on XX/XX/XXXX in the amount of {$1000.00}. The only account action I was able to initiate with US Bank during XX/XX/XXXX was to report the US Bank Reliacard as stolen for which US Bank mailed out a new US Bank Reliacard to the same fraudulent address submitted to US Bank between XX/XX/XXXX and XX/XX/XXXX. Further, XXXX was not until as late as XX/XX/XXXX when I received a response to an information and documentation request made on XX/XX/XXXX in correspondence dated XX/XX/XXXX that US Bank disclosed the XX/XX/XXXX dispute claim in writing. Although this date was verbally disclosed to me by US Bank customer service representatives in previous telephone conversationsduring these telephone conversations I discussed with each representative that the XX/XX/XXXX dispute claim was fraudulent in nature and that on that date I was incarcerated and could not have initiated the dispute claim and that there was no way possible for me to have benefited from the transactions which I was XXXX was not until I received the XX/XX/XXXX letter with supporting documentation enclosures that I became firmly aware of US Banks egregious and grossly inappropriate handling of my genuine dispute claim and rebuttal request. As one would surmise from the XX/XX/XXXX correspondence which was requested in regards to a dispute claim or rebuttal request that should have been initiated on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each and every single request for initiating a dispute claim or request for rebuttal as just outlined between XX/XX/XXXX and XX/XX/XXXX was ignored, as the XX/XX/XXXX correspondence states it is being presented in request for denial of a dispute claim and rebuttals to a dispute claim initiated on XX/XX/XXXX in the amount of {$860.00} ; again this is the fraudulent dispute claim in question. The genuine dispute claim for which I requested supporting documentation on XX/XX/XXXX should have been initiated on any of the aforementioned dates, including dates of request for rebuttal, between XX/XX/XXXX and XX/XX/XXXX as well as the day of the request for disclosure of supporting documentation and information of XX/XX/XXXX and as well as XX/XX/XXXX and XX/XX/XXXX when I again contacted US Bank and requested that a new and separate dispute claim be initiated only for the XX/XX/XXXX transactions and stated to US Bank that such a genuine dispute claim would not be a rebuttal to any previous fraudulent dispute claim initiated on XX/XX/XXXX or any genuine dispute claim or request for rebuttal initiated by myself between the dates of XX/XX/XXXX and XX/XX/XXXX ; I made this request stating all the facts mentioned above and with the comment that this is a complicated matter of identity theft, and that at this late date of resolution, it would be in both parties best interest to start a new and independent dispute claim for the XX/XX/XXXX transactions. US Bank has persistently faltered in every attempt I have made to settle this issue with the bank as it has not initiated any dispute claim for the XX/XX/XXXX transactions that dates back to the genuine dispute claim date of XX/XX/XXXX to the present, and during many of the telephone calls that I have made to discuss the dispute, obtain status of the dispute resolution, request supporting documentation, initiate the rebuttal process or request status of the transmission and receipt of pertinent facsimile transmissions, have encountered extreme opposition to the resolution of this matter with either my telephone call being ignored by the customer service representative immediately saying upon answering the call Are you there, hello, I can not hear you, I am going to hang up now, please call back, and the employee hanging up the phone while I am loudly speaking into an unmuted phone, Hello, Im here, can you hear me! ( between XX/XX/XXXX and XX/XX/XXXX this has happened at least XXXX times ) having my phone call dropped or transferred out to space by subordinate and supervisory US Bank employees alike when being told that I am going to be placed on a XXXX to XXXX minute hold and the call being dropped and forwarded to an end-of-call survey, ( between XX/XX/XXXX and XX/XX/XXXX this has happened at least XXXX times ) and once being angrily told by a US Bank customer service representative when I requested to speak to his supervisor that he did not have to do anything I asked him to do or that I told him was required to be done because US Bank is part of the US government, and on a several occasions, days apart, being told the the dispute department systems were down and I could not obtain a status update regarding my dispute claim. Further each and every document which US Bank has stated it mailed has not been received, implying that US Bank employees have downright lied to me when I have called requesting dispute claim status updates and was told that the dispute claim or rebuttal was denied and not found in my favor and such determination was sent to me in writing. Additionally, I was told on several occasions that I should have received a dispute claim form for the XX/XX/XXXX transactions, just as I had received and submitted a dispute claim form for the XX/XX/XXXX transactions, However, at the late date of submitting this complaint which is almost an entire year after the fraudulent transactions occurred, XXXX months after the fraudulent dispute claim date, and XXXX months after I attempted to initiate a genuine dispute claim with US Bank for the XX/XX/XXXX transactions, I still have not yet received said dispute claim form, nor any correspondence in regard to any dispute or rebuttal with regards to the XX/XX/XXXX transactions other than the XX/XX/XXXX correspondence which itself points back to the fraudulent XX/XX/XXXX dispute claim. In fact, it is mind boggling and dumbfounding to hear each and every time I call US bank with regards to this matter that they received a dispute claim form for the transactions in question ( the XX/XX/XXXX transactions ), for which XXXX Banks dispute department is inappropriately relying upon to deny my dispute claim and subsequent request for rebuttals, when in fact said dispute claim is only for the XX/XX/XXXX transactions. With all these facts presented, it is not a stretch of ones imagination to surmise that US Bank has grossly failed in its representation of fiduciary duty of care and adherence to federal law and regulations, and has not made a thorough attempt to adequately address my reporting of fraudulent banking activity as well as appropriately respond to my genuine dispute claim for the XX/XX/XXXX transactions. It is imperative to note and restate that when I made the information request on XX/XX/XXXX it was in regards to a request for disclosure of information and documents relating to the denial of the dispute claim and/or refusal to accept a rebuttal and reopen the investigation into the XX/XX/XXXX fraudulent activity that US Bank lead me to believe was conducted and closedeither as a result of a genuine dispute claim that was initiated during telephone conversations on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX or that a rebuttal with regards to my genuine dispute claim for the XX/XX/XXXX transactions that should have been initiated by facsimile transmission of additional information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The correspondence from US Bank in response to my XX/XX/XXXX request for disclosure of dispute claim information and dated XX/XX/XXXX states that it is in fact for the fraudulent dispute claim initiated by the individual ( XXXX ) who perpetrated the identity theft on XX/XX/XXXX and in the amount of {$860.00}. The genuine dispute claim I have persistently attempted to initiate with US Bank, based on the lack of responses to any and all communications regarding my genuine dispute claim request relating to the XX/XX/XXXX transactions and dated on or after XX/XX/XXXX in the amount of {$1000.00} indicates that US Bank has guffawed at my honest and diligent attempts to recover the monies stolen through my US Bank Reliacard account. In addition to the copious amounts of documentation I submitted by facsimile transmission on the aforementioned dates to US Bank in regards to the fraud that occurred through my US Bank Reliacard account, further proof of evidence that the transactions conducted through my US Bank Reliacard during the month of XX/XX/XXXX were in fact erroneous and fraudulent in nature is XXXX Banks own determination on XX/XX/XXXX in regards to the dispute claim initiated on XX/XX/XXXX that the transactions that occurred through my US Bank Reliacard account during the month of XX/XX/XXXX were in error and the partial resolution of the XX/XX/XXXX dispute claim in my favor, with provisional credits made to my account in the total amount of {$1000.00} on XX/XX/XXXX. This complaint is being filed against US Bank as a result of XXXX Banks failure to find the transactions that occurred through my account during the month of XX/XX/XXXX erroneous and fraudulent in nature and to return the stolen funds to me. I have provided ample and sufficient evidence to US Bank to prove that I was detained at XXXX, remanded to 90 days treatment, and supporting documentation to show I was the victim of identity theft and fraud including emails, correspondence indicating an unemployment overpayment of {$5500.00}, police reports, federal reports ( to XXXX, FTC and the IRS ) and affidavits/sworn statements regarding the identity theft, and to further prove that I did not and could not have authorized nor initiated the fraudulent transactions that occurred through my account. In further support of my complaint, I would like to draw the investigators attention to the fact that US Bank found a dispute claim for XXXX of XXXX periods of fraudulent transaction ( the XX/XX/XXXX transactions ) erroneous and resolved the dispute in my favor on XX/XX/XXXX, however, due to to the pervasive nature of the fraud and identity theft that has occurred, US Bank has inappropriately, lacking professionalism and in a breach of fiduciary duty of care, failed to adequately address and investigate my genuine dispute claim for a period of transactions that occurred in XX/XX/XXXX. In fact, when I filed a dispute with US Bank on XX/XX/XXXX, I firmly stated that I was disputing transactions for the periods of XX/XX/XXXX and XX/XX/XXXX. Below is a timeline of telephone calls and facsimile transmissions that the basis of this complaint ( please note phone calls and attempted facsimile transmissions from XX/XX/XXXX through XX/XX/XXXX are not included ; although I do have detailed and itemized notes to create a timeline for this period, those notes are filed away in boxes and I am presently moving into a new residence ; I am able to provide the information contained below because it has all been stored in electronic format ) : XX/XX/XXXX Facsimile transmission to verify identity and remove account password XXXX XXXX Facsimile transmission to verify identity and remove account password XX/XX/XXXX Phone call to initiate dispute for XX/XX/XXXX and XX/XX/XXXX transactions. XX/XX/XXXX XXXX transmission as written confirmation for disputed transactions. First submission of relevant documentation and supporting evidence for dispute claim. XX/XX/XXXX Phone call requesting status of dispute claim. Informed dispute for XX/XX/XXXX transactions determined in my favor and investigation was ongoing for the XX/XX/XXXX transactions. XX/XX/XXXX Call requesting status of dispute claim. Informed investigation ongoing. XX/XX/XXXX XXXX transmission as written confirmation regarding XX/XX/XXXX transactions. XX/XX/XXXX : Call requesting status of dispute claim. Phone call was dropped during the processing of the dispute claim. Called back and informed that the dispute claim investigation was ongoing. XX/XX/XXXX XXXX requesting status of dispute claim. Informed investigation was ongoing, XX/XX/XXXX XXXX transmission requesting rebuttal and reopening dispute claim investigation. Second submission of relevant documentation and supporting evidence for dispute claim. XX/XX/XXXX : Call requesting status of dispute claim. Informed dispute closed and claim not resolved in my favor; when I requested to speak to the dispute department the call dropped/terminated. On a subsequent call, I was informed the system was down. XX/XX/XXXX XXXX requesting dispute claim status and dispute claim form. XX/XX/XXXX XXXX transmission with request for rebuttal, reopening of dispute claim investigation and request for dispute claim form for XX/XX/XXXX transactions. Third submission of relevant documentation and supporting evidence for dispute claim. XX/XX/XXXX Facsimile transmission request for rebuttal, reopening of dispute claim investigation, request for dispute claim form for XX/XX/XXXX transactions and status update as to dispute claim and previous rebuttal request XX/XX/XXXX Call regarding dispute claim and rebuttal as well as request for dispute claim form for XX/XX/XXXX transactions as well as US Bank correspondence dated XX/XX/XXXX stating dispute claim denied. Informed dispute claim still under investigation. XX/XX/XXXX Call regarding and status of dispute and rebuttal, information request for sup [ porting documentation relied upon in unfavorable determination of dispute claim. XX/XX/XXXX Request to initiate dispute ( in response to information disclosure dated XX/XX/XXXX ). Phone call was dropped during the processing of the dispute claim. XX/XX/XXXX Request to initiate dispute. Informed call notes from XX/XX/XXXX do not indicate dispute initiated. Phone call was dropped during the processing of the dispute claim. Please note that the attached enclosures include a claim filed with XXXX for the same instance of identity theft and loss that was filed on XX/XX/XXXX. Although the Assurant claim mentions the US Bank transactions, the claim was not filed for the US Bank fraudulent transactions that occurred during the months of XX/XX/XXXX and XX/XX/XXXX and was filed only for the XXXX fraudulent transactions. On XX/XX/XXXX XXXX denied all claims as the transactions occurred outside the policy coverage dates and I eventually recovered the monies for which the claim was filed directly from XXXX. This claim and the denial of this claim should have no bearing on any determination with regards to any dispute claims filed with US Bank or the underlying financial institution, XXXX, for which the claim was filed. The attachment is enclosed herein as it includes relevant law enforcement documents which have been previously submitted to US Bank. My position for this complaint is ( XXXX ) due to my incarceration and remand to XXXX, as well as being locked out of the account due to an account password being placed on the account by the individual ( XXXX ) perpetrating the identity theft and fraud and thus not being able to request for my US Bank Reliacard account to be frozen or to report the fraudulent activity occurring through the account until XX/XX/XXXX, and also relying upon a representation made by a US Bank customer service representative through a verbal statement during a telephone conversation held either in XX/XX/XXXX or XX/XX/XXXX indicating that I would have up to XXXX year to file a genuine dispute claim for any fraudulent activity that occurred through my account, the XXXX period for me to report fraudulent activity to US Bank does not begin until XX/XX/XXXX or XX/XX/XXXX, the date upon which I regained full and complete access to my US Bank Reliacard account and was able to verbally request for all monthly statements during the period of potential fraudulent activity to be sent to me so as to determine the dates and amounts of fraudulent transactions, and as such to appropriately report any and all fraudulent activity through genuine dispute claims and requests for rebuttalsNOT including the fraudulent dispute claim initiated on XX/XX/XXXX that was NOT initiated by me NOR requesting rebuttal of the fraudulent dispute claim dating back to XX/XX/XXXX, XXXX within the XXXX period ; ( XXXX ) it is apparent my account was used as a pass-through account for the fraudulent activity that occurred during the months of XX/XX/XXXX and XX/XX/XXXX, and that the underlying evidence upon which to determine fraudulent activity occurred for the month of XX/XX/XXXX is exactly the same for the fraudulent XX/XX/XXXX transactions ; ( XXXX ) US Bank failed in its XXXX XXXX XXXX care and is in violation of Federal law and regulations and has fallen short of professional conduct in its handling of my genuine dispute claims, has potentially failed to initiate investigation into my genuine dispute claim dating back to XX/XX/XXXX for the XX/XX/XXXX transactions, has inappropriately relied on its own faulty internal documents as a result of the fraudulent XX/XX/XXXX dispute claim and as a result has failed to initiate an appropriate dispute claim for the XX/XX/XXXX transactions ; ( XXXX ) US Bank is downplaying this XXXX XXXX XXXX theft and fraud and is not reporting the incident adequately to law enforcement. Additionally, US Bank has vehemently and scrupulously failed to provide documentation it relied upon in making its determination for any all dispute claims and rebuttals that were initiated on and after XX/XX/XXXX with regards to the XX/XX/XXXX transactions, only providing a dispute claim form for the XX/XX/XXXX transactions as a result of the XX/XX/XXXX dispute claim, and in its response dated XX/XX/XXXX to my request for documentation made on XX/XX/XXXX provided documentation relating to the fraudulent dispute claim initiated on XX/XX/XXXX. This lack of response to my request for supporting documentation for denial of the genuine XX/XX/XXXX dispute claim or for subsequent genuine dispute claims or requests for rebuttal submission with regards to the XX/XX/XXXX transactions as detailed above, coupled with a lack of professional conduct during telephone calls that were either dropped or transferred out to an end-of-call survey while in the middle of the telephone dispute claim submission process, is representative of US Banks inadequacy to XXXX XXXX and determine the fraudulent activity that occurred through my US Bank Reliacard account and XXXX XXXX this dispute claim in my favor. Additional specific information regarding transaction amounts and dates is provided in the attached documentation pertaining to XXXX Banks own disclosure of documentation and information it relied upon in denying the fraudulent dispute claim initiated on XX/XX/XXXX as it contains a monthly statement of account transactions in the total amount of {$1000.00}. | ||||||
| 05/08/2023 | Yes |
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| US Bank U.S. Bancorp Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Switchboard XXXX XXXX Customer Service XXXX - Cardmember Service Fraud Prevention Department XXXX - Cardmember Service Fraud Prevention Department XXXX - XXXX XXXX (Social media guy that threatened me) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Checking: XXXX Business Checking: XXXX Agreements: Open Issues: These are the open issues. The date cited next to the issue is when the issue first happened. Scroll down in the log to that date to see all details, and scroll up to see the history. XXXX XXXX XXXX XXXX XXXX XXXX - US Bank representative called me, was rude, harassing, and threatened me. (XXXX) - XXXX from Social Media team called me. - Called me stupid, then threatened me with unspecified physical violence. - US Bank branch personnel were incredibly rude and nasty to me. (XXXX) - XXXX XXXX XXXX - One lady refused to answer any of my questions. - Another lady butted in and started loudly and rudely talking at me. - That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. - US Bank personal account fraud charges issue (XXXX) - I got a text about fraud charges, had to dig deep for ID for sender. - Checked my US Bank personal checking account (XXXX), FOUR fraudulent charges. - Requested assistance via phone and in person several times, all refused. - Unknown deposit in business account (XXXX) - Unknown check deposit for $100 XXXX XXXX - On XXXX, this transaction is not found at all. - Unable to reach a person via telephone for assistance - This issue has been going on for a long time. - The automated systems don't allow me to speak to a person - The automated systems say my information is invalid and hang up on me - The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me. LOG --- XXXX Nothing heard from XXXX XXXX, still no statements. Time to reach out for more help. XXXX, calling corporate switchboard. Transferred to C/S? XXXX XXXX Confirms she's C/S, not corporate. I told her what I'm after and left her to it. She became argumentative and abusive, then hung up on me. XXXX XXXX XXXX XXXX XXXX VM, left VM. On Monday I need to ask for external help again. XXXX Emailed XXXX again about the statements, need them for a payment dispute, asked him to please email them to me today. XXXX Bumped email to XXXX for statements again. XXXX It appears I've been issued credits for all four XXXX fraud charges. Requested again that XXXX provide me with the statements. XXXX CFPB response from company. XXXX Response, US Bank says no change. Received statements and stuff in the mail today. XXXX Still no resolutions. Called CFPB, gave info/reminder. 3 times. After a lot of calls and XXXX, it finally got resolved and I could view the response. XXXX Called CFPB, same stupid nonsense in the first call. Finally got to a supervisor in the 2nd call, gave my info and request again. Email from XXXX XXXX statements have been mailed, disputes are in process. XXXX XXXX, Called CFPB to follow up, XXXX, still no help or cooperation. Called Ombudsman, left Vm. Emailed Ombudsman. XXXX, XXXX also refused to assist or cooperate. XXXX After MANY calls to the CFPB this morning, I finally got to a supervisor that was willing to cooperate. I gave her the information, and asked for an email when the task is completed. XXXX Called CFPB to follow up again, still no help/cooperation there. Still nothing from US Bank either. XXXX called XXXX XXXX, got through. VERY difficult, kept talking over me/at me, and blaming me for all the problems. He hung up on me, so I called back. He claims he couldn't hear me... He's going to mail me the statements (all of them!) and dispute the fraudulent transactions, then send me an email with proof thereof. More emails to the CFPB Ombudsman asking for help there. XXXX US Bank is apparently sending me a new debit card. Wow. XXXX Emailed all reminding them I am still in need of assistance. Replied again to last email asking for help. Called CFPB to ask again for help with the complaint response. Got a lady that hung up on me. Several calls to CFPB, more rude people. Emailed CFPB ombudsman. Auto reply. Calling Ombudsman office. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Toll-free) XXXX Email from XXXX XXXX with some garbage/spam stuff. I think he was trying to send me my statements. I replied, let him know of the issue, and asked for my statements directly as .pdf's. I did offer to come by his office and let him put them on a flash drive I'll provide. I called the corporate switchboard and it goes to hold music for awhile, then disconnects. All of the numbers I've called go to hold music, then disconnect, it appears they've blocked my number. They clearly no longer wish to communicate with me directly, so I'll have to take this up externally. XXXX XXXX response from US Bank, in short, they closed my accounts because I asked them to allow me to dispute the four fraudulent transactions, and they refused to do so. XXXX Received a letter and some checks from US Bank, they're closing my account. XXXX XXXX XXXX XXXX I cannot retrieve statements in my business account, and I cannot log in at all to my personal account. XXXX, Called, VM, left VM. XXXX, called XXXX Main branch, opt 3. Unavailable. XXXX, Submitted CFPB complaint for account closure without full refund or statements, ID FOR COMPLAINT SENT TO US BANK XXXX Cannot file Texas Banking Department complaint, need to file federal. helpwithmybank.gov, called XXXX XXXX to see who regulates US Bank, no help. Emailed help form for help. XXXX, call, corp switchboard, looking for Exec office. Sounds like C/S, called again. XXXX same again, call 3, XXXX. Same thing. XXXX, CFPB response, says company replied. I can't view or get to the attachments. Submitted feedback saying so. Calling CFPB for help. XXXX XXXX Complaint # XXXX. Not helpful, taking a long time. Refused to help me, nothing more can be done here. XXXX XXXX Called XXXX XXXX operator, system hung up. XXXX, Corp. XXXX, no help. XXXX, Emailed all addresses with Open Issues List. XXXX call customer service, eventually got through to a person, she completed everything I said and refuse to assist XXXX, called the corporate switchboard number, talked with XXXX again, still does not want to help me. XXXX XXXX, From XXXX XXXX XXXX XXXX (3 minutes ago) to me Good Morning, The second email you sent with your notes copy and pasted has not come through. I was not able to gain access to your notes through the link you provided either. When you have a moment, would you please resend your email with your notes copied? Once I have those notes, I can submit the fraudulent activity to our fraud department. Thank you, XXXX XXXX US Bank I replied, sent an acknowledgement/compliance email first, then copy/pasted the note again into it's own email reply. XXXX received a call from XXXX, a gentleman from US Bank whose name I did not write down or remember, and was responding to my survey feedback. Some difficulty in getting him to tell me whether or not he had read my log, we did determine that he has not read it, I told him if he would send me an email requesting it I would send it to him and he could read it over and then choose whether or not he wanted to provide me with actionable resolution steps. XXXX calling XXXX XXXX. VM, left VM. XXXX XXXX no progress yet. Email sent to all addresses nudged, reply all asking for help again. XXXX, checking online banking. No changes, no messages. XXXX, calling Corp. XXXX. He started trying to learn more about the issues, then started talking over me. End of call. XXXX Call, C/S, lots of '0#'. XXXXXXXX XXXX. Gave name and intro. Refused to assist or transfer to supervisor, then began to argue about it. XXXX, Calling Fraud, auto system, no human. XXXX next #, also fraud, auto system, no human. XXXX XXXX XXXX, left VM. 0815, Found a way to access chat through 'Contact us'. XXXX. I gave her the open issues list with a link to my log, she ignored it all and either doesn't know how to help me, or, won't help me. XXXX end chat. XXXX Email from Social Media Team, Good morning, XXXX Thanks for emailing us again. I understand you still need assistance. I notice you spoke to our ambassador XXXX last week. He is currently out of the office, but if you'd like a different ambassador to reach out, please let us know. All the best, XXXX XXXX. U.S. Bank Social Media Ambassador | Social Media Customer Care Replied: I AM COMPLETELY SHOCKED AND AMAZED AT YOUR INCREDIBLY DIFFICULT RESPONSE. AS IT WOULD SEEM I HAVE NOT MADE MYSELF CLEAR, I AM, AS I HAVE SAID MANY TIMES, STILL AWAITING ASSISTANCE FOR RESOLVING THE OPEN ISSUES WITH US BANK. I AM NOT CONCERNED WITH ***HOW*** YOU PROVIDE SAID ASSISTANCE, I AM SIMPLY WAITING ON YOU TO ***START*** PROVIDING ASSISTANCE. THERE ARE MULTIPLE OPEN ISSUES AND I AM STILL WAITING FOR YOUR ASSISTANCE IN RESOLVING THEM. PLEASE SEE THE DETAILS PROVIDED AND PROVIDE ME WITH ASSISTANCE TOWARDS A RESOLUTION. XXXX email again. Social Media Customer Service Shared XXXX (3 minutes ago) to me, XXXX XXXX XXXX XXXX there, XXXX. Wed be glad to offer our assistance in any way we can to help address your concerns. Please let us know if you would like us to give you a call today and discuss our available options to further resolve this matter. We look forward to hearing from you and being able to further assist. Warmly, XXXX XXXX Communications Rep Pronouns: She / Her / Hers U.S. Bank Missouri A Home-Based Replied: I SEE I STILL HAVE NOT MADE MYSELF CLEAR. I AM STILL REQUESTING ASSISTANCE WITH THE OPEN ISSUES. PLEASE REVIEW THE DETAILS ALREADY PROVIDED TO YOU, AND PROVIDE RESOLUTIONS. AGAIN, I DO NOT CARE ***HOW*** YOU RESOLVE THE ISSUES, JUST THAT YOU ***DO***. AS ALWAYS, I WOULD MUCH PREFER TO NEVER BE ON THE PHONE WITH US BANK AGAIN SINCE YOU'RE ALREADY RUDE, DIFFICULT, AND ARGUMENTATIVE ON THE PHONE. IF THAT IS THE ONLY WAY YOU CAN PROVIDE RESOLUTIONS, THEN PLEASE STOP WASTING SO MUCH TIME AND START GETTING THINGS DONE. XXXX, Called corp office to see if they would like to help move this along. Got XXXX again. Difficult conversation, I gave him the information he asked for, and then he talked over me, and hung up on me. XXXX, XXXX from US Bank called me, XXXX XXXX Lots of talking, finally getting down to brass tacks, emailed him my log. Had to copy/paste into an email, he can't use the link yet. Works at a branch in XXXX, helps the district with complaints. Sounds promising, will get back to me ASAP with fraud/dispute case #'s and then work on getting the rest of the issues resolved. Open to call tomorrow evening, same time frame. XXXX XXXX calling corp #. XXXX. I attempted to have a conversation with him, but he kept talking over me. XXXX, calling C/S. XXXX XXXX. I gave her my blurb and info, and asked for someone higher up to help me. She became belligerent and harassing, then hung up on me. XXXX finally able to login. ONE of the four charges has been refunded to me. Calling C/S #, call 2. XXXX XXXX. gave name, req supervisor, gave reason, req supervisor again. She became abusive, I had to move on. XXXX, Call #3. XXXX Female agent, couldn't get name. I req. supervisor. Refused to transfer. Continued to argue and lie. XXXX, CFPB complaint filed, ID FOR COMPLAINT SENT TO US BANK XXXX XXXX XXXX, not a supervisor. Asked for one again. He hung up on me. XXXX corp. XXXX, rude C/S agent, refused to listen. XXXX XXXX, calling Corp. Switchboard. XXXX XXXX. We had an incredibly difficult exchange, but he finally stopped talking long enough for my to get a few words in and I briefly summarized the issue. I also confirmed he sees my phone number on caller ID. He asked me to hang on, then hung up on me. Checking online banking, all four charges are still present. Attempted to dispute charge, told to call or visit branch. XXXX, Calling XXXX. Automated system, very difficult. XXXX XXXX. Ignoring me, req supervisor. XXXX, hold. XXXX, they hung up on me. XXXX call 2. Automated system, 0# a bunch, hold. XXXX Refused to assist or transfer, asked for the reason for a supervisor right after I told her why, ignored me, talked over me, hung up on me. XXXX call 3. Another rude woman, lots of difficult, put me on hold, XXXX After several bad exchanges, she hung up on me. XXXX I stopped by the branch on XXXX this morning while visiting XXXX house. The lady I talked to there said I had to have an appointment, no appointments were available, and would not tell me when the next available appointment was. Statement email; replied with request for updates. XXXX XXXX Calling to follow up on open issues. XXXX took my call ( I had to ask for his name), refused to answer my question about updates, and then transferred me to a dead line. XXXX, logging in to personal account, balance is XXXX XXXX transfer to XXXX taken out, XXXX charges completed. Found and using dispute transaction link. It says I have to call or visit XXXX, calling. XXXX still fighting with the automated system, transferred to the card services fraud department auto system. The system hung up on me saying my phone number is not valid. Business checking account is not showing the XXXX check deposit anymore. Found and added XXXX profile to log. Filing XXXX complaint. Your temporary complaint ID is XXXX . If you provided an email address, you will receive an email with your official complaint case number and a link to your case within approximately 48 hours. XXXX Emailed all addresses above asking for help, copy/pasted open issues, gave log link. XXXX XXXX response, complaint sent to business. I had another call this evening where I actually got through to a human. She refused to assist me, wouldn't answer any questions, wouldn't get me anyone else, or a supervisor. XXXX XXXX XXXX from US Bank social media dept called me from XXXX He did not read my log. He lied, saying he does not have access to my log. He failed or refused to provide ANY intended resolutions to the open issues. He then went on to talk over me, and then threatened me, sounded like, 'If you don't stop talking and listen, I'll make you shut up'. I hung up. I updated the XXXX review with this information. XXXX, called the Corporate #. XXXX took my call, I had to ask for his name twice. I have him my summary, and he says he would transfer me to the executive office. I asked him not to, and gave him my name and #, which he refused to accept, and transferred me anyway. The line disconnected when he transferred. XXXX I received some odd text messages last night, perhaps about fraud. Checked my online banking, found matching charges that aren't mine. Replied with 2 to the SMS. I called the number in the sms alert, XXXX Suspicious, seemed like spam. Called US Bank customer service, XXXX, rude agents, no help. Canceled my external transfers into this account. I went into the branch on the corner of XXXX XXXX XXXX XXXX this morning, and asked for help with this. The girl at the counter was very difficult, did not answer any of my questions, and said I had to call the phone number on the back of my card. I called it again while I was there with her, and I had the same results, the automated system hung up on me. The girl behind the counter said it was my fault because I didn't follow the directions and I needed to keep pushing buttons until I reached a person like the system said, even though the system did not say that. She also refused to tell me the minimum balance necessary in the account to keep the account open. I then called the so-called corporate phone number, XXXX, and I got several rude people there who talked over me, ignored me, argued with me, harass me, and refused to assist me. As I'm not able to find anyone to assist me with any of these issues, and I currently have no further methods of contacting US Bank to ask for help, I don't know what else I might be able to do. At this time I'm simply waiting for the fraudulent transactions to process, and then I'm hoping to find a way through the website to mark those transactions as fraudulent, or to dispute them. Once I'm able to get that resolved I will simply transfer most of my money out of that account, and wait for them to solve their problems. The difficult girl at the bank branch did say that my personal debit card is suspended until the fraud alerts are resolved, so nobody can use that card anyway. Also, there was another girl there who started talking at me while I was talking to the first girl and even though I told her I was not interested and I did not want to have two people talking at me she continued to talk at me anyway, saying that the phone number the first girl gave me was the correct phone number, which is stupid because I never asked if that was the correct phone number to call. That same second girl also accused me of yelling, which of course I was not yelling. I then gave them a very clear example of the difference, and they got very bent out of shape and started crying about me needing to leave. I posted a review for that branch on XXXX XXXX. XXXX Reply on XXXX XXXX: Thank you for taking a moment to share your experience with us, XXXX. Were happy to review this with you to see how we can help. Please send us an email to XXXX with your phone number and reference number XXXX, and we will call you directly to assist. We look forward to hearing from you. Thank you. XXXX I forwarded the XXXX XXXX email to them with a link to this log and a request to read it, then reply there with their intended resolutions. These are the fraudulent transactions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email response, they're insistent on talking to me... XXXX XXXX XXXX I replied, gave them, my home number, warned them clearly. Also, on the business side, I have a check deposit of $XXXX XXXX XXXX today and I don't know what that is. I know I did not deposit any checks with US Bank today. XXXX check Check XXXX Pending XXXX Transaction info DescriptionCheck Transaction DateXXXX Transaction timeXXXX XXXX. Typecheck XXXX Email from US Bank saying I've been unenrolled from XXXX. I replied asking which one caused it and why. XXXX Another email, correction, customer group is NOT changing. XXXX Email from USB, saying my customer group has changed. XXXX Emailed XXXX to see what US Bank can do for me in business banking. XXXX Having issues. Tried to pay for XXXX order with debit card, woudln't go through. Finally got in to chat with US Bank rep, they said call or go to branch. Called branch, too busy to take my call. Chat caused my laptop to freeze, had to hard reboot. Calling C/S :( XXXX XXXX, xfer to business center? XXXX hold. XXXX XXXX. Refuses to assist, keeps arguing, lying, refusing to help, answer any questions, etc. Says she's 'trying to help', but all of her actions have been harassing. At this point, there's nothing we can do to move forward. When US Bank wants to resolve this, they can send me an email to get that process started. Until then, I understand they don't want to assist. XXXX emailed XXXX XXXX XXXX, email from XXXX, he says credit reports are frozen. For the card, he says if it's international, I'll need to apply for a block to be removed. Got a call from him, we talked, he wants to help me fix these things. Another email from XXXX, they want all three credit reports unlocked for 48 hours, which I already advised I'm not willing to do. At this point, I'm led to believe that US Bank just isn't interested in helping me, and I've spent too much of my time with this already. XXXX Visited branch in XXXX today, met with XXXX XXXX, business banker. He got me applied for a business credit card, and said they could also help me with a business line of credit once the card is established in good standing. XXXX Unable to login to my personal account. Wrong XXXX, wrong XXXX, no profile found? XXXX I stopped in at the XXXX XXXX branch while I was in town to ask about cleaning up the account issues. Worked with XXXX XXXX had to explain things multiple times, but she says she made progress, and the issues should be resolved in 2-3 days. I was able to change my business profile User ID. There is no option to be able to manage my business account debit card from my personal profile. XXXX Error persists in business profile. More emails with XXXX Online department is involved, something wrong in the background. No useful information. In my personal profile, when I attempt to link my personal external account, I get stuck at the secure access code screen. I get a call, a secure access code, and I enter it, but then the US bank website starts the process over. I setup a link from XXXX to US Bank, waiting for the trial deposits. XXXX Bumped email to XXXX again. XXXX In business profile, I get an error when I attempt to transfer funds to my external account: You are not currently eligible for external transfers. You can view any past transfer activity on your account, but currently you cannot make any transfers. I emailed XXXX for help. XXXX XXXX, calling to get help linking my external account. I want to link my XXXX account so I can move money back and forth. XXXX XXXX, not helpful, kinda difficult. XXXX back to queue. XXXX XXXX XXXX Logged into personal. Changed all options to paperless. Changed my username, logged out, logged back in. XXXX Opened Business Account XXXX Opened Personal Account | ||||||
| 07/06/2019 | Yes |
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| This complaint regards US Bank/US Bank Home Mortgage/US Bank Escrow US Bank employee XXXX XXXX packed my mortgage with mortgage escrow services without informing me that the low rates he was quoting were contingent upon the loan having escrow services. He did this despite my informing him that we wanted a conventional mortgage with no added fees or escrow services. He concealed that fact that he intended the loan to have mortgage escrow services until I was fully engaged in a contract to purchase a home. Once I discovered that XXXX XXXX intended my loan to have escrow services, I immediately informed him in writing that I did not want escrow services. A conversation ensued, and I was told by Mr. XXXX that escrow services would be removed from the final loan paperwork. Despite my withholding of the signed mortgage application, Mr. XXXX authorized the ordering of an appraisal for the contract to purchase my home. I asked that the appraisal be postponed, but US Bank did not stop the appraisal. I identified multiple factual errors in this appraisal to Mr. XXXX, and he and US Bank refused to nullify the appraisal. The loan processing was not complete by the first closing date, and it was not complete by the extended closing date, and we were forced to either waive all contingencies to our earnest money or possibly loose the right to purchase the home due to these delays. A third closing date of XX/XX/XXXX was agreed upon by the sellers. XXXX XXXX did not send me the final loan documents for review prior to closing. He sent the documents to the title insurance company one day prior to closing on XX/XX/XXXX. My closing appointment on XX/XX/XXXX was my first opportunity to review the documents, including the new GFE that he had dated XX/XX/XXXX. I observed that Mr. XXXX had setup the new GFE to include escrow services despite our agreement that it would not. At closing, prior to signing the documents, the closing officer and I called and spoke to the loan processor, XXXX XXXX. My wife was also present for this phone call. I informed XXXX that my loan was not supposed to have escrow services attached. She told us that the GFE could not be changed without further delaying the closing date. I asked if we would be able to cancel the escrow account after the loan was processed, and if there would be any fees for cancelation. She informed us that the escrow services could be canceled/waived after the loan was active for 12 months. She stated that there was not fee to waive the escrow services. Her comments were supported by the loan documents, which also did not state that a fee would be required to cancel escrow services. We felt like we had no other choice but to proceed with the loan which included the GFE that Mr. XXXX had prepared despite this being against our wishes. I believe Mr. XXXX deliberately caused us to enter into a loan with escrow services for his own benefit, despite these services not being required or requested. We signed closing documents and paid our loan as agreed. In XXXX, XXXX I was told by a US Bank customer service/escrow representative that a fee of approximately {$1100.00} would be necessary in order to waive escrow services. I was told that the fee amounted to an interest penalty of 0.25 %. I told them that I had a no-penalty loan and that this fee was not enumerated in any agreement that I was given or signed at closing. I also told them that I had not been pleased with the accounting of the US Bank escrow department and provided a few specific examples. They told me that I could write or e-mail US Bank a complaint to seek a resolution. In XXXX, XXXX I wrote US bank to cancel my escrow account without a fee and explained how I was lead to believe by Mr. XXXX that escrow services would not be part of my final loan documentation, and that I was further told by Mr. XXXX loan processor after discovering the error at closing, that there would not be any fee associated with closing/waiving the escrow services. This e-mail was received by US Bank, but I did not receive a timely reply, so I contacted customer support. Customer support reviewed my loan history and submitted letter, and determined that I should not have been required to have escrow services, and that escrow services would be waived from my account without a fee. This phone call was on XX/XX/XXXX. I followed up with US Bank to make sure that this process was proceeding, and it was. I later discovered that the US Bank escrow department overturned this customer service decision and was still demanding I pay a fee to waive my escrow. US Bank failed to inform me of this decision until after they reported my account delinquent for under-funding their escrow. US Bank reported my account as delinquent to the credit bureaus despite my on-time payment as agreed by their decision on XX/XX/XXXX and specified in my mortgage note. The errors committed by US Bank have caused me significant consumer and personal harm. I have obliged to their process to resolve my compliant, yet US Bank has provided me with no resolution to remedy the harm they have caused. Here is the timeline of events since being told by US Bank that I owe them a fee to waive my escrow account in XX/XX/XXXX : XX/XX/XXXX : I sent the letter to US Bank complaints to cancel my escrow account. Following the letter, I kept receiving phone calls from USB that I was late for my payments. I used US Banks secure messaging system to inquire about this, and received a response from a US Bank customer service supervisor. I have saved a copy of this dialogue. XXXX XXXX XXXX, XXXX XXXX I received a phone call from US Bank XXXX and when I returned the call the agent claimed that I had not made my XXXX, XXXX payment. I explained that I had made the payment on XX/XX/XXXX and that I had written to cancel my escrow account and was waiting for confirmation for that to happen. When I got off the phone, I sent an e-mail through US Banks secure messaging system. I received a reply from US Bank employee XXXX XXXX on XX/XX/XXXX. I replied to Mr. XXXX on XX/XX/XXXX. The next day, after not receiving a reply, I called US Bank and asked to speak to a supervisor in the customer service department. I spoke to US Bank employees Briar ( ID # XXXX ) and XXXX ( ID # XXXX ) on XX/XX/XXXX. I explained everything above and pointed the agent to the XX/XX/XXXX letter I sent to cancel my escrow services. XXXX and XXXX put me on hold for a long time, and then came back on the phone and apologized for the inconveniences this had caused me, and that my letter had been responded to on XX/XX/XXXX, but that the response was incorrect and that I was indeed not required to pay a fee to cancel my escrow service, that I was eligible to cancel the escrow services, and that he had made the appropriate changes to cancel my escrow services according to my written request while I was on the phone with him. He confirmed that the XXXX taxes would be paid out of escrow, the late fee would be reversed, and that my new payment amount for XXXX, XXXX and thereafter would be the principle and interest amount of {$2000.00}. After this lengthy phone call, I logged into the bank where I keep my checking account and made the change to my scheduled mortgage payment for XX/XX/XXXX and thereafter to be {$2000.00}. A few days later I received a copy of the referenced incorrect US Bank letter that was dated XXXX XXXX, XXXX. This letter and its conclusions was disregarded, because the customer service agent had reviewed its findings and overturned its outcome during my XX/XX/XXXX phone call. On XX/XX/XXXX I logged into US Bank to verify that the late fee had been reversed and that my property taxes were scheduled to be paid as promised during my XX/XX/XXXX phone call. Both things had happened, but I did not observe that my payment due amount had been changed to {$2000.00}, so I secure messaged Mr. XXXX to inquire when I should expect to see this change. On XX/XX/XXXX Mr. XXXX replied to my message saying that the The task to adjust the current payment is set to be complete by XX/XX/XXXX, however, these are normally carried out well before the expected due date. I understood this to mean that the matter was closed. I have a copy of Mr. XXXX secure messages. Multiple US Bank customer service employees have since corroborated these facts after reviewing my account notes. XXXX, XXXX through XXXX, XXXX I received no further written correspondence from US Bank through secure messaging or mail. I received one phone call from US Bank from this period, which I returned or answered. The customer service agent calling me asked me about my payments. I informed them that US Bank canceled my escrow account on XX/XX/XXXX and asked that they refer to the information on my account and update their records. They apologized for the inconvenience and the call ended. Sometime following this call I decided to go by a local US Bank branch ( XXXX XXXX XXXX XXXX, XXXX, WA ) and I spoke with an employee named XXXX. I asked that she confirm that the changes from XX/XX/XXXX had taken place and that my account was updated. XXXX said that she saw where the changes were supposed to happen, but said they were not updated. She made a call and said that she would look into the matter further and get back to me once she had more information. XXXX, XXXX : I receive a letter in the mail from US Bank. The letter accused me of being delinquent on my mortgage payments and at risk for foreclosure proceedings. The document provided a phone number to call. I called the phone number immediately. I spoke to US Bank employee XXXX ( ID # XXXX ) who I reference in my XX/XX/XXXX response letter to US Bank. XXXX said that I had been reported to the credit bureaus, and that I should not have been reported based on the information he reviewed on my account. He said that US Bank did not take measures sufficient to insure contact with me during the prior months. He stated that a different department within US Bank should not have reversed the decision of the XX/XX/XXXX US Bank supervisor ( XXXX or XXXX ) who had authority to make final changes to my account. This was a very long phone call. He said that I was not immediately in jeopardy of foreclosure proceedings, despite the letters warnings, and that I need to contact the US Bank escalation center in writing to state the errors that US Bank has made and that I had been harmed by US Banks failure to follow through with the promised of the XX/XX/XXXX customer service agents. XXXX did not advise me to change my monthly payment amount from the principle and interest amount. On XX/XX/XXXX I sent a complaint/error letter to the US Bank escalation center by e-mail. On XX/XX/XXXX I mailed a copy of the XX/XX/XXXX letter to the USB Escalation Center XXXX XXXX XXXX XXXX, MN XXXX. I asked the counter clerk to certify the letter, but he said that he could not certify or do delivery confirmation for that PO box because the zip code was for XXXX XXXX. I did not receive a response from the mailed letter. Early XXXX, XXXX : I received calls from USB every other day while I was at work. Each call I answered, I informed them of the details of the conversation with XXXX, and told them that a letter had been sent to the US Bank Escalation who had not yet responded. US Bank sent a debt collector to my house on a Saturday XX/XX/XXXX. My XXXX children were in the living room just off the foyer and could hear the entire conversation the man was having with me as he accused me of not paying my mortgage. I informed him of the US Bank error details, and told him he was trespassing, he left. It was very menacing of US Bank to send a debt collector to my house given my payment history, credit worthiness, and the fact that at least two US Bank departments were in receipt of my letter stating I was disputing this delinquency. I wrote a subsequent complaint to US Bank which was e-mailed and I wrote a letter to MrXXXX XXXX urging him to correct this matter. XXXX XXXX, XXXX through Present : I have sent and received multiple letters to and from the US Bank complaint/escalation department. I have spoken to numerous US Bank employees whom have called or I have called back in response to a letter. I attempted to speak to a Complaint/Escalation center supervisor so that I could review the recycled nature of each of the letters I was receiving. I asked multiple times for US Bank employees to substantiate where I was every informed of a fee required to cancel me escrow service, or to substantiate why Mr. XXXX would have packed my mortgage loan with escrow services when I was placing 20 % as a down payment, had very good credit, and had directly told him that I did not want escrow services, none of the people I spoke with or received letters from would substantiate this. What several US Bank employees did substantiate was that the escrow account waiver should have been left in place following my XX/XX/XXXX phone conversation, and my account should have never been considered delinquent since my payments were made on-time every month based on the confidence that the US Bank employees would perform as promised following my XX/XX/XXXX encounter. I was sent a letter dated XX/XX/XXXX by US Bank that informed me that no further decision would be made regarding this compliant. I received a letter dated XX/XX/XXXX that stated I needed to pay thousands of dollars to US Bank in order for US Bank to release back to me the thousands of dollars that are in the escrow surplus. US Bank said in the same letter that I am no longer eligible to cancel my escrow service because they consider my account delinquent. On XX/XX/XXXX I sent the following letter to US Bank and have received no response : US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX Re : Account # XXXX US Bank Escalation/Error/Escrow Department, Regarding your XX/XX/XXXX certified letter dated XX/XX/XXXX, please read the following correspondence : I received an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX in the mail one week ago. It contained the following errors : 1. My XXXX hazard insurance was paid in full {$600.00} ( on XX/XX/XXXX, see enclosed XXXX receipt ), and US Bank made a duplicate payment of {$600.00} ( on XX/XX/XXXX, see enclosed XXXX receipt ) from funds that were allocated to satisfy my mortgage principle and interest. The US Bank agent that sent the duplicate funds to XXXX was reckless in their disbursement of my money, and they failed to perform the escrow analysis judiciously and correctly. Further, I have informed multiple US Bank customer service agents verbally and in writing that my XXXX taxes and insurance have been paid by myself as agreed by US Bank and myself in XX/XX/XXXX. I have returned the {$600.00} to US Bank Home Mortgage by check # XXXX. This amount is to be applied directly to my principle an interest payment. Any late fees that may have been caused by this error need to be reversed. 2. My property taxes have been paid through XXXX, XXXX since XXXX of XXXX. There is no payment due in XXXX, XXXX. Again, the US Bank agent that prepared the Annual Escrow Account Disclosure Statement was reckless in their preparation of this statement dated XX/XX/XXXX. They have proposed to overcharge me in their miscalculation of the amount necessary to fund my taxes and insurance over the next 12 months. ( See the enclosed property tax receipt ). 3. US Bank escrow account services were canceled for my mortgage account in XXXX, XXXX. The cancelation was for two reasons, 1 ) I did not ask for and was not required to have escrow services in the first place, and 2 ) The US Bank escrow service agents were hostile towards me regarding their errors. My cancelation was confirmed verbally and in writing in XXXX and XX/XX/XXXX by US Bank customer service agents. Following that time, US Bank has recklessly misapplied my principle and interest payment of {$2000.00} which has been paid on-time beginning in XX/XX/XXXX. I have not been delinquent with a single payment for my principle and interest or my taxes and hazard insurance. The continuation of US Bank taking money from my monthly principle and interest payment for the purpose of funding their escrow holdings represents a continuation of predatory lending practices by US Bank. I request that you immediately release any of my money that has been placed in suspense or that has been placed in the US Bank escrow account to fund my principle and interest balance of my mortgage. US Bank has had full knowledge that every payment I have made to US Bank since XX/XX/XXXX, was for the expressed purpose of funding the principle and interest of my home mortgage. My XX/XX/XXXX principle and interest payment of {$2000.00} has been sent to US Bank Home Mortgage by check # XXXX. My mortgage account is fully funded. I request that you send an updated statement reflecting this fact and correct the US Bank errors. NAME SIGNED HERE ***end letter*** Even though I was explicit in my letter about how to apply this XXXX, XXXX payment, and I documented that no taxes or insurance were due until at least XXXX, XXXX, US Bank escrow removed over {$600.00} from my payment and placed the funds in their escrow account to further add to the surplus. They currently are holding over {$2200.00} in a suspense account and over {$4100.00} in an escrow account that should have never existed in the first place and was properly cancelled in XXXX, XXXX. Washington State has specific laws ( WAC 208-620-551, RCW 19.144.020, RCW 31.04.027 ) that prohibit financial institutions from treating consumers in a predatory and deceptive manor. The Washington State Department of Financial Institutions states that Lending and mortgage origination practices become " predatory '' when the borrower is led into a transaction that is not what they expected. US Bank was and continues to treat me in a predatory manor. US Bank has continued to site the findings of their complaint department investigators as factual, when they are not. What MrXXXX XXXX represented internally to US Bank is not what he represented to me as a consumer. If a consumer calls a car dealer to ask about the price of a specific car, and the salesman then sends a written memo to his manager that the customer is going to come in and buy the upgrade package, that is just wishful thinking on behalf of the car salesman. The memo is not an agreement between the potential customer and the car dealer ; its just the car salesmens idea of what he hopes happens. In this case, Mr. XXXX intended to trap me into the escrow package by filling out GFE forms to his benefit, and he did not have my consent or agreement. If I had been a consumer that needed or wanted escrow services, and I definitely was not, US Bank is still required by Washington State law to grant me a waiver of my escrow account without a fee as was decided on XX/XX/XXXX. I have reviewed the entire copy of the closing documents that US Bank mailed me this XXXX, XXXX, and there is no instance in which the document mentions that a fee is required to waive an escrow account. WAC 208-620-551 prohibits mortgage loan services from requiring or encouraging a borrower to : Agree to pay charges not enumerated in any agreement between the borrower and the lender, servicer, or owner of the loan This is just one example where US Bank is demanding a payment from me in violation of a law. I have documentation of the e-mails, signed agreements, and complaint letters mentioned in this statement. | ||||||
| 04/16/2019 | Yes |
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| General-In XX/XX/XXXX, I noticed a 30 late payment to my mortgage company that had been on my credit report since XX/XX/XXXX. I filed a dispute. The incorrect info was deleted from my account. Then a late payment suddenly showed up under that same account for XXXX. I filed a new dispute. US Bank agrees that the XXXX payment should NOT be recognized as late. They submitted pertinent info to XXXX, but the mark still exists. I have been working on getting this corrected for over 2 months now. NO LUCK. I have been typing " real time '' notes of individuals I have spoke with from US Bank. The notes are listed below. There are other calls that I have made to XXXX as well. US Bank Conversation Regarding information that shows on my credit file. Called US Bank - XX/XX/XXXX During lunch Call began at XXXX XXXX. I spoke with XXXX ( could not give his last name ) ID # XXXX. The conversation lasted 1 hour and 14 minutes ( see image below ). I described my issue which surrounds two negative entries to my credit file for XX/XX/XXXX and XX/XX/XXXX. I explained that I filed a dispute with XXXX in late XX/XX/XXXX. I explained further that the results came back that the XXXX entry was incorrect, and now shows to be on time and NOT late. I explained that the XXXX payment still remains. I also explained that now my credit report displays that XXXX of that same year was supposedly late. One of my questions was this ; What caused the XXXX report to be originally filed as late and also, since I filed the dispute, how did they find the error? XXXX explained that the payment was processed on the XXXX of XXXX, well within the month. I made sure to explain that I got a second mortgage in XXXX and that I paid a higher interest rate due to the XXXX error. He said he would put in a work order to find out. We then discussed the XXXX payment ( which I believe shows as a XXXX entry ), he said that the payment should have an effective date of XX/XX/XXXX. The payment was processed a few days into XXXX, but that is just typical processing. The date that matters is the date the payment was called in which was the XXXX. I stressed to XXXX that I would like to have someone ( like a Supervisor ) take a look at the same information that XXXX has visibility to and see if they can have it removed quickly as I am trying to get a loan. He said that he has put in a work order to have this looked at, but he agreed to speak with his supervisor to see if a rush could be put on it. I asked him if he sees anything that should cause XXXX to have been added. He said he did not. XXXX took down my email address and said that I will receive a response once the Customer Research Department finds out why XXXX was originally reported as late ( 3 years ago ) and also what was the actual error that was discovered that allowed them to delete the negative information from my credit file once I disputed the item. The other information that this team will report to me, is the reason for determining that XXXX would need to be reported as 30 days late despite the fact that the effective date should show as XX/XX/XXXX. Called US Bank XX/XX/XXXX After Lunch Spoke with XXXX ID # XXXX I explained to XXXX the conversation I had with XXXX one week prior. I asked her if she was able to retrieve the notes of that conversation. She did find the Work Order that XXXX initiated. She described that the notes show that it was expected to be completed by XX/XX/XXXX ( yesterday ). I asked her if she had visibility to review the alleged late payment from XXXX ( Reported in XXXX ) of XXXX. She went into the system and was unable to see that same info or go back far enough. She said she would reach out to the Investigation Team to see what was happening presently with the research. She put me on hold and reached out to the team. She came back on the line indicating that there is a letter that is scheduled to be sent out to me. Then she read the letter to me. The letter indicated that the XXXX Payment ( Reported in XXXX ) will be reported to the credit bureaus that it was NOT late. I asked XXXX about her thoughts that I had to endure a 30-day late payment on my credit history for a total of 3 years. She said she felt bad and completely understood how I would likely feel. After reading the letter, I asked XXXX if she had any additional information regarding the removal of the XX/XX/XXXX error. She did not find any information that described details on the US Banks error from XX/XX/XXXX. I requested that she ensures that the already completed letter be sent to me as soon as possible, but that the Research Committee continue to review the XX/XX/XXXX error and follow-up with a letter when complete. I stressed that even if they were unable to uncover the true reason for the error, that they still supply a plausible reason for the error. XXXX indicated that she would be willing to enter a Work-order to have that investigation and letter supplied to me. She did take a moment to ask the Investigation Department if they could think of a possible reason to explain this. She said that they indicated that it is possible that if it were a phone payment, it could have been misapplied. Another possible reason is that the computer system could have caused the error. Received Email with Letter from US Bank XX/XX/XXXX The letter was brief, with a couple of details. It mentioned that back in XX/XX/XXXX, the payment transaction went through on the XXXX of the following month. It was reported late to the credit bureau, but was then corrected, acknowledging that the effective date was the XXXX of the necessary month. At that time ( if I understand it correctly ), the credit bureau was notified that the late payment entry should be removed. This did not, however, explain why in XX/XX/XXXX, when I filed a dispute, did the XXXX late payment once again show up on my credit file. I had made a previous request to XXXX and XXXX at US Bank about this. This letter also made a brief note that the XX/XX/XXXX US Bank records did not indicate that this payment was late. I was having trouble trying to understand why it would show up on my credit file which I have a copy ( and screenshot ) of. As a reminder, when I filed the dispute in XX/XX/XXXX, the determination was made that XXXX should have not been on my record ( for the past three years ). As a result of that dispute and determination, the XXXX late payment record was removed from my credit file. In my previous conversations with XXXX and XXXX, I requested from both of them that I needed answers in a couple areas. 1. I needed to know why XXXX had been listed as a late payment since XXXX. I also wanted to know what work was done to determine that it should be removed after I filed my dispute. 2. How did XX/XX/XXXX all of a sudden show up on my credit report as being 30 days late. This hadnt been reported previously, meaning since XX/XX/XXXX. How did my dispute of XX/XX/XXXX prompt a review/discovery/change to XX/XX/XXXX? I wanted to know how this happened. Was this a manual discovery or a computer discovery? The main takeaway here is that the letter I received did not spell out why these things happened. As a result, I called US Bank on Friday, XX/XX/XXXX. Called US Bank XX/XX/XXXX Spoke with XXXX. I explained that I had just received a letter from US Bank with intentions of explaining that the XX/XX/XXXX payment was originally entered as late in XXXX, but soon after, corrected. I also spoke with her about the statement in the letter about XXXX. I requested that XXXX pull up the same letter if it were available. She did find the letter and we talked through it. She understood my concern when I explained how I did not get all of the answers that I was looking for as previously requested to XXXX and XXXX. XXXX also found those historical conversation/notes in my file. She agreed that I deserve an explanation on why the XXXX and XXXX errors happened. She told me that she would file a request that someone work to find out why this happened and send me a letter explaining this. I reminded her that I made this similar request to XXXX and also XXXX. XXXX said that it is possible that someone was still working on that letter but that her request would hopefully prompt them to complete this task. I asked her how long it would take for the credit bureau to get an update on the XXXX error. She stated that it was reported on XX/XX/XXXX and the correction to my file ( at the credit bureau ) should happen very soon. I told her that I would allow a short period of time to pass in anticipation of the letter explaining the details of the errors and would call back at a later time. We ended the conversation with that. Called XX/XX/XXXX XX/XX/XXXX Spoke with XXXX # XXXX. I explained the situation in brief and that I am curious why my XXXX credit file still shows that the letter was sent on XX/XX/XXXX. He described that they also sent a copy to the credit bureau and should have arrived by XX/XX/XXXX. I explained that the missing information ( not contained in the letter ) surrounds my request to know WHY this happened in the first place. That is, how XXXX had originally been added and how XXXX was added later. He said that he needed to escalate the call to a higher authority. I was put on hold. Then XXXX # XXXX came on the line. I explained to her that I am seeking a letter to explain what had happened in XX/XX/XXXX that caused an inaccurate reporting to the credit bureau as well as the removal of that month after I disputed it, but the XX/XX/XXXX getting added as a late pmt. to the credit bureau. That caused me to do more work in disputing that month as well. I am also wondering whether or not the credit bureau has been notified. I asked WHICH ONES were notified. She took a brief timeout to read the notes listed in the file. I was put on hold. When she came back on the line, she mentioned that it was quite a long file and that she was still reading the notes. I told her that it was totally fine and that I would wait. Then she came back on the line and said that the correction letters were not detailed at all. She said that she was going to request that the investigation team dig into this and supply a letter. I explained that she is now # 4 on the list that would work to get this info. I asked how it would be possible for her to make this happen. I said I was worried that 6 months from now I would be talking to the 22nd person that would be making a similar promise. I asked her if she understood my concern. She said she looked at the names and recognized some of them. She said that she has a bit more experience than them and wanted to really get to the root cause. She then said she needed to put me on a brief hold. She came back on the line and said, it appears that they are NOT going to explain why it happened. They did not say why they would supply that information. She said that they always notify all XXXX. She said that the info has already been sent, but its a problem that they told them that XXXX should be listed as correct but NOT XXXX. I explained that the law only provides a certain amount of time. She said that as of today, the credit bureau does NOT know that XXXX needs to be removed. I said that I was trying to get a loan and that my interest rates would be higher as a result of this problem. I asked if, due to this clumsy error, this could be escalated and that the credit bureaus could be notified quickly. We both concluded that they do not yet know that XXXX needs to be removed. I could hear in the background her typing very quickly. She put me on hold once again. She came back on the line and said she is looking at the notes. She said that she was hoping it would get accomplished by XX/XX/XXXX. I said thats a huge delay. She said someone would get an email to rush this. I asked if I could get an email. I asked if the letter could be emailed once its complete. She put in the request. I told her that US Bank did this very same thing last time. We discovered that that the error was telling US Bank that XXXX needed be cleared, and not XXXX like it should have been. She went back into her system to look at XXXX of XXXX and it shows that XXXX was not late. I explained that for the past 3 years, neither XXXX or XXXX has shown to be late on my credit file. It was only added just a couple months ago. I told her that if she looked at that same file 3 months ago, XXXX would NOT show as late. She said she would leave this urgent request open to have this investigated. We ended the call after a total of 59 minutes and 51 seconds. Called XX/XX/XXXX Spoke with mortgage dept. I asked to be connected with the research department that was working on my file. The assistant put me on hold, then came back on the line to say that she was checking into it. Her name was XXXX ID XXXX. I explained that I was hoping to get an update on where the Investigation Team was at with my file. She said that the file had not yet been updated and that they were still working on it. I asked from her working history if she could tell if there was actually a difference between something that was put on rush vs something like this that was handled in a normal fashion. She indicated that this was the first time she had seen something be put on rush. I told her I would probably just wait until Monday to call back. She said that she was actually going to suggest the same thing. I thanked her and we ended the call. I received a letter from US Bank on XX/XX/XXXX. It was dated XXXX, XXXX, XXXX. It states that the XXXX and XX/XX/XXXX installments reflect as current. I spoke with XXXX on XX/XX/XXXX ID XXXX I asked her to pull up the letter I just received. She read the letter and did not comment. Went back to review the pmt. history. She commented that XXXX was actually late. I made her aware of the effective date. I asked her to re-read the letter. She agreed that it seems to read that XXXX and XXXX were current. At this point I am unsure what the credit bureau has on file. She said she needed a moment to check on something. I was put on hold. She came back on the line stating that she spoke with a Supervisor and that XXXX and XXXX are considered on time from a US Bank standpoint. She said it could take up to 30 days for the credit bureaus to update their files. It is interesting to note that it states that they submitted a correction for XXXX when XXXX is actually the problem. Why would this letter state that information submitted is accurate when they had to make a correction for XXXX? XX/XX/XXXX After sending the letter ( stating XXXX and XXXX current ) to XXXX, I called US Bank once again. XXXX with XXXX ID # XXXX. I described the issue. She confirmed that XX/XX/XXXX was received on time. She said the file was closed. I told her that XXXX STILL remains at XXXX. I explained my frustration. She said she was going to get a member of Senior Management on the line. There was a brief pause. When she came back on the line, she said that they spoke senior management and also their supervisor. They reviewed my situation and said that the case will be reopened and that there will be a rush placed on this order. I asked her what the difference in timing would be when something is place on a rush status. She said that the Supervisor has 24 hours to look into this. She said she asked them if they could call XXXX direct and they said the system does not work that way. She said she would call me back on Monday to give me the results. Once again, she went on to explain that the XX/XX/XXXX payment shows as NOT being late. I will wait for the call. Called XX/XX/XXXX Spoke with the mortgage dept. I asked them if they had an update on my file. The person I spoke with an individual named XXXX ID XXXX to see what the status was on their end. I shared that I received an email from XXXX stating that my file had been updated. This was unfortunate because it is incorrect. She stated that it has been reported to XXXX that the file was correct. I asked her to read the letter that US Bank sent to me suggesting that both XXXX and XXXX were made on time. She found and read the letter agreeing with this fact. XXXX explained that US Bank has until the XXXX to finalize the work order. I asked when the last time was that US Bank spoke with XXXX. She indicated that it was around XX/XX/XXXX. I reminded her that I just received an email this morning indicating that my XXXX file had been updated. The update shows that XX/XX/XXXX is still reporting as being 30 days late. I told XXXX that I am thinking that the work order is actually complete and that the XXXX is only the date that US Bank is planning on getting back to me. I also told her that I believed that this will simply continue until I get a job at XXXX or US Bank and physically hit the delete key myself. I told her that my efforts to upload the letter with a US Bank letterhead to XXXX obviously did not work in my favor despite the fact that it states that XXXX and XXXX were current. I asked if XXXX was prohibited from allowing me to speak with a Supervisor. She indicated that she is not prohibited and put me on hold. At this point, 25 minutes had passed. XXXX came back on the line and said that she has a rep on the line and was just going over details with that person. Then XXXX came on the line. She said she is brought up to speed. She referenced the letter from the XXXX. She said that there is a lot of mis-communication going on and that the letter that was drafted was not clear. Our call got dropped somehow. It came back to XXXX and she worked to get XXXX back on the line. She also confirmed my cell if the call got dropped. XXXX was no longer available. A new person XXXX ID-XXXX, I mentioned to her that I have a Word document that goes all the way back to XX/XX/XXXX. He was confirming that they sent a letter on XX/XX/XXXX to XXXX noting that XXXX was current. I let him know that XXXX is the main issue, not XXXX. I went on a long historical rant. XXXX now better understood what was up. He agreed that XXXX were correct. Please correct the credit report. He made these notes. I asked if there was a training issue with his team. He said that it would be a mis-interpretation. He said that he may have used his tools better to correct this issue. He said he can not rush this order. He said he tried in the past and it has gotten kicked back. He said he could issue a free-form letter that helps clear up this issue that I could send to the Credit Bureau myself. I said I would like that. He said it would be emailed and mailed to me. It is hoped that his new notes would improve the odds of this getting corrected at the credit bureau. Our conversation has now crossed the one-hour mark ending at XXXX. There are 3 orders open, - credit report correction, the letter, and a rush for the letter to be sent to me. We ended the call at XXXX XXXX. | ||||||
| 06/20/2019 | Yes |
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| To whom it may concern, To recap the situation, XXXX XXXX XXXX for XXXX, XXXX ( XXXX ) had a business credit card that was issued through XXXX XXXX XXXX ( XXXX ). The owners and co-guarantors on the account were XXXX and XXXX. XXXX, an employee, was issued a card as an authorized user and was not an owner nor a guarantor on the account. XXXX changed toXXXX XXXX ( XXXX ) and somewhere along the line the account wastransferred to ELAN. In late XX/XX/XXXX, XXXX ceased operations and was administrativelydissolved due to business failure. The XXXX business credit card with XXXX was set up on an automatic payment system. The minimum monthly payment was deducted from the XXXX business checking account and paid through auto pay. When XXXX changed to XXXX the XXXX online account was inactivated. XXXX started to receive paper statements from XXXX. XXXX never established an online account with XXXX. XXXX made payments by check to XXXX. Shortly after XXXX changed to XXXX, I noticed some differences between the XXXX and XXXX credit card account. The account number and interest rate were different. I called the number on the XXXX credit card statement to discuss the differences on the new XXXX credit card account. I was advised that I was not the owner of the account or listed as an authorized user on the account. As a result, the XXXX representative stated she was unable to discuss the account with me or provide any details pertaining to the account. This was another big discrepancy between the XXXX and the XXXX credit card account. On the XXXX credit card account with XXXX I was listed as an owner, authorized user, and co-guarantor. I was advised by the XXXX representative that the account was not assigned an owner or an authorized user. I asked the XXXX representative to confirm the account to establish that XXXX and XXXX were the owners and personal co-guarantors on the account. The representative advised that other than the XXXX, XXXX, she was unable to establish the owner of the account or the personal guarantor of the account. I was very concerned as to the authenticity of the account as I was unable to verify the account and the representative was unable to establish that I was a co-owner and co-guarantor on the account. The name, address, and telephone number I used in attempt to verify the account, because I was named on the account, did not match up with the information on the account. I asked the representative to please provide me with the signed written contract, including the terms of the agreement and the personal guarantors on the account. I requested the information to confirm the account was mine and that I was the guarantor on the account. The representative advised that the information I requested was not available and she would be unable to provide me with any account information as I was not an owner of the account, an authorized user, or able to provide other information to verify the account. I was advised that I would need to take responsibility for the account by becoming an authorized user before any account information, including account verification, could be provided. I advised the representative that it would be absurd to take responsibility, in writing, for an account that you were unable to verify was actually your account. I was unaware that ELAN had taken over the account as the statements were printed on XXXX letterhead. I called the number on theXXXX statement, multiple times, to inquire about thediscrepancies. I was advised, multiple times, that my name was not on the account and I was not an authorized user and that no information on the account could be provided to me as a result. I attempted to verify the account on multiple occasions with no success. I was unable to verify the account with the information I provided such as my name, address, or telephone number. I was not named anywhere on the account and my address and telephone number on file did not match my personal or previous business address or phone number. As a result, I was unable to obtain or verify any information on the account. I determined that my former business partner, XXXX, must have removed my name from the account and was making the payments, as she was a co-guarantor. This explained why I was not named on the account and was not authorized to obtain any information onthe account. I continued toreceive statements anddiscarded them because I had no access to the account and assumed the account was being managed by my former business partner. In XX/XX/XXXX, a caller, identified as a representative of XXXX collections department, contacted an employee at my new business, XXXX XXXX XXXX XXXX ( XXXX, the phone number is the same ). The caller asked to speak to XXXX inregards to a past due account for XXXX. My employee advised the caller that XXXX had closed and XXXX was not affiliated with the new company. TheXXXX collections representative asked to speak with XXXX. The employee advised the caller that XXXX. was a former employee of XXXX and was not affiliated with XXXX. The employee took a message and forwarded the information to me XXXX. I contacted the XXXX XXXX branch by phone about thedelinquent XXXX credit card account phone call. I was advised by the representative that all of the XXXX credit card accounts were paid in full with a XXXX balance. I asked to close the account and was informed that I was not authorized nor did I have the authority to close the account as I was not named on the account nor as an authorizeduser on the account. I was advised that I was listed only as a card holder. I asked if my former business partner, XXXX, was named as the account owner or authorized user on the account and was advised that XXXX was not listed on the account at all, not even as card holder. I was very concerned at this point since the information I received from the teller at XXXX ( XXXX ) was inconsistent with the previous XXXX account information. The account information provided by the representative was not accurate. XXXX and XXXXwere the owners and co-guarantors of the XXXX credit card account. XXXX was listed as a card holder. I was concerned about the discrepancies on the credit card account and found it very odd that a reputable financial institution would make such a mistake as deleting the name of one owner and listing the second owner as an employee card holder with no authority to manage or close the account. I determined that my formerbusinesspartner, XXXX, must have paid off the account and removed her name from the account. I was unable to explain why I was removed as an owner of the account and then identified as an employee card holder. Although, I was extremely concerned about the unauthorized changes that had been arbitrarily made to the XXXX credit card account, I did not inquire about the changes because the balance was XXXX and I was going to close the account. I inquired as to how I could close the XXXX credit card account. I was informed by the teller that I was not authorized to close the account as I was not an authorized user. I closed the XXXX checking account as I was accurately named as an owner and authorized user on this XXXX account but was unable to close the XXXX credit card account. This was concerning as there was a potential risk of someone using the open account. Despite assurances to the contrary, I continued toreceive statements fromXXXX indicating an overdue balance. I went in to the XXXXXXXXbranch again to inquire about the delinquency notice. I was again informed that the XXXX account and all cards associated with the account had a XXXX balance. The teller called the number on the back of the card and confirmed that the balance was XXXX. I again requested to close the account and was informed that I was not authorized to close the account. The teller said she would research how I could close the credit card account and she would follow up with me. I never received any information on how to close the account. I continued to receive past due notices on the credit card account. Confused, I went to the XXXX XXXX XXXX branch for assistance as to why I continued to receive past due credit card statements when I had a XXXX balance. Again, I was advised that the XXXX credit card accounts had a XXXX balance and that I was notauthorized to close the account. I followed up by phone with the teller at the XXXXXXXX branch location that was supposed to research how I could close the XXXX credit card account without being an authorized user on the account. The XXXX teller apologized for not getting back to me and I was advised that I needed to write a letter to XXXX on XXXX letterhead stating that I was the authorizeduseron the XXXX credit card account and take responsibility in writing for the account, then XXXX would authorize me to close the account. I was unwilling to take responsibility for the account, with the conflicting information regarding the balance on the account. The XXXX branch and XXXX statements had conflicting account balances and both had the incorrect card owner information. I could simply not take responsibility for an account that I could not verify was accurate or even mine. I could also not write a letter on XXXX letterhead as the company had been dissolved. The XXXX stationary had been discarded and I was no longer a member of the XXXX. I continued toreceive statements indicating an overduebalance with accumulating late charges and mounting interest. I contacted the number on theXXXX credit card bank statement on multiple occasions and was unable to discuss the account as I was not named on the account and not named as an authorized user. I advised that I had gone toXXXX on multiple occasions and had been toldrepeatedly that the XXXX credit card account had a XXXX balance. During one of my calls attempting to rectify the situation I spoke with a representative who told me thatXXXX had nothing to do with my credit card account and that ELAN was the owner of the account. The representative stated that XXXX hadtransferred or sold my credit card account to ELAN during the transition from XXXX toXXXX. I was also advised that the name on the account or authorized user was not required for the transfer. I stated that the statement saidXXXX. The representative said the statement indicatesXXXX but the number on the credit card statement is an ELAN number and ELAN is the owner of the account. This seemed very misleading, fraudulent, and confusing. I thought the statements and the information I had received when calling the number on the statements were fraudulent. I continued to talk with many departments, managers, and associates with ELAN/XXXX but I was unable to substantiate or verify the legitimacy of the account. The representatives at ELAN/XXXX repeatedly encouraged me to pay the overdue amount or at least make a payment on the account. I informed ELAN/XXXX that I could not make a payment on an account that I could not verify as mine. I was advised that an unauthorized user could make payments on the account and I was strongly encouraged to do so. I again informed the representative that I was unable to make a payment on an unverified account. I was advised that the account was seriously past due and unless the overdue balance was paid in full I would be reported to the Credit Bureau. I asked, how could I be reported to the Credit Bureau if I was not the owner or authorized user on the account? I was advised that myself, XXXX., along with XXXX. were identified as card holders on the account and as such would be reported to the Credit Bureau for the delinquent account, despite not being named as owners on the account. I explained that XXXX. was a former employee, not even living in the state of Oregon, and not a co-signer or an owner of XXXX. I was advised that because the account did not have an owner or authorized user that anyone associated with the account was responsible for the balance and would be reported to the Credit Bureau. I confirmed with the representative that although as a card holder I was responsible for the account, I was not able to obtain any information pertaining to the account, such as the owners and guarantors on the account, discrepancy on interest rates, interest, late fees or terms. The representative confirmed that I was responsible for the account as a card holder but that I did not have the authority to verify the account, authority to discuss the details of the account, or authority to close the account. This felt fraudulent as I was being threatened and intimidated into making a payment on an unverified account to protect my personal credit. Extremely confused and frustrated, I contacted XXXX XXXX, who I had worked with during the operation of XXXX, atXXXX. XXXX immediately confirmed that the account had beentransferred to ELAN. XXXX stated that the transfer did not require an account name and nobody was listed as the authorized user on the account. XXXX also advised me that during the transfer from XXXX to ELAN the XXXX credit card account had dropped me as the owner and authorized user on the account. XXXX stated that I was now listed as an employee card holder and XXXX, the other owner of the account, had been removed from the credit card account entirely. XXXX stated that there were now two accounts for XXXX, one account with XXXX with a XXXX balance and one with ELAN with an outstanding balance. This is very confusing. If the account was transferred, why did I still have an account with XXXX? XXXX confirmed that because I was not named on the account or an authorized user on the account I could not close the account with XXXX. XXXX stated that I would need to complete a form taking responsibility for the account at XXXX by signing a form or I could write a letter on XXXX XXXX accepting responsibility for the account before I would have the authority to close the account at XXXX. I continued to contact ELAN on multiple occasions and spoke tomultiple departments, managers, and associates to verify the XXXX account. No one was authorized to discuss the account balance, payment history, late fees, or interest. I repeatedly asked for the contract agreement, co-signer agreement or any documentation to prove that I was legitimately the owner of the account. I requested that a copy of the XXXX card application, XXXX signed credit card agreement or XXXX personal guarantor agreement be used to verify my association and ownership of the account. I was advised that these documents were not available to validate the account or my ownership of the account. I contacted XXXX again by email asking for help to resolve the situation. XXXX referred me to XXXX XXXX, the Commercial Relationship Banking Assistant at XXXX. I scheduled an appointment on XX/XX/XXXX with XXXX and explained the situation. XXXX had discussed my situation with XXXX so she was familiar with the issue. XXXX contacted ELAN and was advised that I was not named on the account or an authorized user and as such was not authorized to verify the account or to discuss the details of the account. ELAN advised XXXX to have me make a payment to bring my account current to avoid additional late fees and to complete the form accepting responsibility for the account so they could confirm the account and discuss the details of the account with me. XXXX stated that she was unhappy with the relationship XXXX had with ELAN because they were difficult to work with and that they have had problems with other accounts surrounding the transfer from XXXX to ELAN. XXXX advised me that she had a good relationship with an ELAN representative and would reach out to her. XXXX contacted her contact and was advised by the contact that I was not named on the account or an authorized user on the account and as such I was not authorized to verify the account or to discuss the details of the account. The ELAN contact advised XXXX to have me make a payment to bring my account current to avoid additional late fees and to complete the ELAN bank form accepting responsibility for the account. XXXX advised me that she was going to discuss the situation with XXXX and request a meeting with her ELAN contact and XXXX in an attempt to verify the account and confirm that XXXX is the correct account and that XXXX and XXXX are the account owners and the co-guarantors for the account and that I have the authority to close all XXXX accounts with both XXXX XXXX and ELAN. I am unable to proceed with any resolution until I can confirm the ELAN account for XXXX is accurate, belongs to XXXX and XXXX, that XXXX and XXXX.are the co-guarantors on the account, and that I have the authority to discuss the details of the account and to close the account. This situation appears fraudulent and seems to be a ploy by ELAN to keep the account open so that they can continue to charge interest, late fees and threaten my credit if I dont comply with their demands for an unverified account. I can not blindly accept responsibility for an account, thereby accepting liability for a debt that is not verified as mine. Its a Catch-22 situation that leaves me entirely at risk. To date to resolution or contact has been made. I was advised by XXXX XXXX from XXXX that a representative with updated information was going to call me but that has not happened. The interest, late fees, and harassing phone calls are mounting. My credit is being threatened. To date, I credit has not been impacted just threatened to be by ELAN. Sincerely, XXXX XXXX | ||||||
| 11/09/2017 | Yes |
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| Re : Mortgage Assistance and Loss Mitigation Program Appeal and Complaint I find it ironic that my intent of this letter is an outreach based on a song from the movie musical XXXX Is anybody there and does anybody care. Over the past 3 years my family has attempted to secure a Modified Mortgage through US Bank Mortgage Assistance and their Loss Mitigation business unit. We were seeking the loan modification due to our small family business being hit hard by the bad economy. My family and I have had a lesson in Mortgage Finance and a bank promotion of Mortgage Assistance, a process that has no intention of truly assisting you. Furthermore, the US Laws that regulates Mortgage and lending institutions fails to support and protect mortgage holders from a mortgage lending operation that only interest is taking your home, so they are paid by a government mortgage insurance that pays them when a loan is in default. In addition, the mortgage company forecloses on your home and sells it at auction and profits. Bottom-line, the mortgage company profits from not assisting distressed mortgage holders. Think about it : The courts can stop a President from protecting the US in the name of National Security so why would any consumer believe the legal system or Federal and State agencies will not stop predatory practices of mortgage lending who need some assistance due to temporary financial distress Recently the Senate voted kill a controversial rule that would have allowed Americans to file class-action suits against banks instead of being forced in many cases into private arbitration. What if the class-action suits have merit? The Banks and Mortgage companies do not have a vested interest in assisting mortgage holders because mortgages in default is a win/win for the bank Mortgage Holder Beware an offer of assistance is not based on a willingness to provide a solution. Also, a Mortgage Holder needs to understand that legal assistance in this matter has little to do with achieving success of a modification. Rather a false promise that a law firm or lawyer will charge you to file the same loan modification application that you filed several times before. Also, this letter outlining our familys small business and family financial journey through difficult times doesnt try to deny our personal financial responsibilities. In addition, the information provided demonstrates one of two things : Institutions that exist to assist Mortgage holders in tough difficult time are just window dressing with no intention of assisting. By not assisting they are paid by mortgage insurers when a mortgage loan defaults and benefits financially when they foreclose on a property and auction it off. That just double-dipping greed and if that is legal, why the pretense of pretending to assist in difficult times US Laws and Policies legislated to protect mortgage holders and consumers lack meaningful protections for mortgage holders and consumers. Worse yet, financial institutions, enforcement, state and federal officials are complicit in hood-winking American consumers Our experience in working with US Bank Mortgage Loan Assistance and Loss Mitigation : Since calls were being recorded by US Bank and I was not privileged to those recordings, I have no idea what transpired internally. Only later did I understand that something was wrong and I needed to begin documenting via email and not taking for granite a call conversation world be followed up on. If a call transpired, I sent a follow up email confirming the discussion. My documentation demonstrates the following : On Monday XX/XX/XXXX, we received a letter from Mortgage Assistance that we were eligible for a loan modification but no packet. XX/XX/XXXX received a US Bank Letter we were delinquent on our mortgage which we let them know and needed to apply for a loan modification, but no packet. XX/XX/XXXX US Bank Mortgage letter received that they had not receive our Mortgage payment, no packet for loan modification again. XX/XX/XXXX US Bank Mortgage letter saying our loan is delinquent, no loan modification packet. Several calls and in the month of XX/XX/XXXX no loan modification application XX/XX/XXXX, we received a letter from US Bank Mortgage Assistance stating we may qualify for a loan modification, no application packet again. place another call XX/XX/XXXX US Bank Mortgage letter saying our loan is still delinquent but no application packet again, more calls made XX/XX/XXXX US Bank Mortgage letter saying our loan is still delinquent. no application packet again, more calls made. Between XX/XX/XXXX and XX/XX/XXXX conversations with various US Bank Mortgage Assistance Managers and finally received a packet to complete to apply for a loan modification and completed and sent the packet on XX/XX/XXXX. Called several times to determine the status of the packet. XX/XX/XXXX called US Bank Mortgage Assistance on the status of the completed packet but was not confirmed it was uploaded Finally, on XX/XX/XXXX, we asked our US Bank XX/XX/XXXX XXXX XXXX to send via internal US Bank mail a request for a status on the loan modification request. She called and said, they had not received it. We had proof it was sent. XX/XX/XXXX called US Bank Mortgage Assistance and sent documents sent again Called US Bank Mortgage Assistance on XX/XX/XXXX to inquire as to status. Reply in process Called US Bank Mortgage Assistance on XX/XX/XXXX inquire as to status. Reply in process and it would be about 30 days XX/XX/XXXX, it was longer than 30 days we placed a call to US Bank Mortgage Assistance and they had lost our Mortgage Assistance Packet so we emailed a copy to Mortgage Assistance XX/XX/XXXX and XX/XX/XXXX calls were made again on status of the modification request. No status on a decision. XX/XX/XXXX packet lost again by Mortgage Assistance and resent completed packet to US Bank Mortgage Assistance XX/XX/XXXX US Bank Mortgage Assistance confirming the copy of documents were received and up loaded. She confirmed they were received an emailed me stating that the information has been up loaded. From XX/XX/XXXX until XX/XX/XXXX we made a good faith effort to complete the request for a Loan Modification and after 6 months of call and completing documents and increasing mortgage debt and penalties we get a foreclosure notice. During that time, we did the best to pay our mortgage in the face of a declining business and fluctuating income. The chain of events above was the first six months. During that six-month period, if US Bank Mortgage loan assistance would have quickly processed our loan modification request, we would have qualified for a number of Obama Administration and State of Ohio programs because although our income fluctuated as would have the ability to pay a modified monthly mortgage payment. We have never had an outright rejection and move to legal options of foreclose after the XX/XX/XXXX court stay. In addition, US Bank Mortgage agree to combine our first and second mortgage. In all fairness from XX/XX/XXXX until XX/XX/XXXX and now XX/XX/XXXX we have had non-approvals of our Loan Modification request. Due to the length of time from start to finish, our personal income fluctuated until XX/XX/XXXX. Each and every time we have not been approved we have asked for transparency to address our questions concerning the non-approval. Below is a question that have never been answered by US Bank Loan Assistance and Loss Mitigation. 1. Housing to income ratio based on what? The modified loan or the current loan payment 2. Why cant US Bank Mortgage modify the interest percent from 6.25 we are currently paying to the 4 % interest rate on the current loans they are offering. 3. The Loss Mitigation non-approval letter state that the Bank has other account restructuring but when asked, we have no answer 4. US Bank Loss Mitigation and XXXX XXXX agreed to role the Mortgage and XXXX Mortgage together and but now abandoned it due to income projected at {$10000.00}, but at what modification structure was being proposed? In a response to a complaint filed with the Consumer Financial Protection Bureau Case # XXXX The first four paragraphs of a letter authored by XXXX XXXX Customer Advocacy Specialist documented within the US Bank systems that reflect internal letters, loss mitigation documents and non-approved dates will be documented as well. The problem with her response is that the internal documentation failed to identify the numinous calls, lost documentation and overall process failures that led to months and months delays in just receiving a packet and filing a Loan Modification Request. Once the completed Loan Modification Request was forwarded to US Bank Mortgage, it was months of following up to assure the documents were uploaded for review. The completed documents where send on XXXX XXXX and once sent with repeated calls, discussions, new mortgage assistance managers and calls to our US Bank Branch Manager from XX/XX/XXXX until XX/XX/XXXX we made a good faith effort to complete the requested Loan Modification forms. The entire 6 months of just receiving the appropriate documents, filing, assuring they were received, and uploaded our mortgage debt continued to increase and penalties as we continued to receive foreclosure notices. That was just the start of this arduous journey of working in good faith with our US Bank Mortgage Assistance and Loss Mitigation. During this effort to gain a Loan Modification we engaged two law firms. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX Bottom-line, both did what they were hired to do but what we failed to understand is from a legal perspective, the law firm could do nothing legally. The firms could just prepare and file the same documents to the bank we had prepared. Very high paid administrators. Hind sight and painful education! The Second firm XXXX filed twice the first time unsuccessfully but the Mortgage Loan Modification was reopened because our income was on the rise due to cash influx and XXXX XXXX loan agreement. On XX/XX/XXXX US Bank Loss Mitigation sent a message to XXXX XXXX that after the review of the Appeal they have granted us to resubmit a complete & updated Loan Modification package for review again due to the increase of income shows. Keep that thought! I have listed the docs needed so that I can resubmit the package to them. Please forward the requested items to be ASAP! At last, on the right course but short lived. Documented my personal gross income of {$10000.00} per month {$2200.00} which increases to {$2300.00} in XXXX. Rent {$700.00} per month received from a contact boarder ( my XXXX-year-old father in law ) and my wifes income as a XXXX XXXX and XXXX XXXX averaging {$400.00} per month. Also totaled per month {$13000.00} monthly. US Bank Mortgage underwriters would only approve a gross income of {$10000.00} and the rejected our application. So here we are again, filing another appeal with US Bank Loss Mitigation with well documents income and investment agreement of XXXX XXXX dollars. My family and I have learned a lot during this difficult financial period and fighting to save our home. In a recent meeting with a US Bank Mortgage Loan office, we shared the story of our Loss Mitigation journey. His response, when you move to Mortgage Assistance and Loss Mitigation you drop into the Black Hole. Now we find out that the process was never about helping us The Banks are in control and lawyers have no ability to use the law in the case of Loan Modification or Loss Mitigation unless you file an expensive law suit. Now that is not possible with congress changing the law that you can not file class action lawsuits against financial institutions Federal and State agencies can bark but have no bite when consumers are abused or mistreated by mortgage lenders, banks and financial institutions Increased income and agreements that provide a XXXX investment hold no weight or creditably when in a mortgage crisis Bottom-Line, do not plan on anyone but yourself. So much for believing that integrity, honesty and just plain someone to help when you need assistance. Mortgage Assistance is billed as an organization to help a mortgage holder, in my familys case it has one fiasco, delay and a dozen or more relationship Managers. All this from an organization that claims they are about helping you work through bad financial times. Disappointing, but seems par for the course within the current US Financial System. Sincerely, XXXX XXXX XXXX Business Owner and family man who never gives up the fight CC The Honorable XXXX XXXX XXXX Attorney General Recent Appeal Sent to US Bank Mortgage Assistance and Loss Mitigation XX/XX/XXXX XXXX XXXX US Bank Attention : Escalation Center XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Loan No : XXXX XXXX : Since you are our new Relationship Manager directed at servicing our Home Mortgage and reviewed our file, you understand we have had an arduous journey in attempting to secure a loan modification. On many occasions I have shared with the numerous Relationship Managers that history is not a predictor of the future. History is not a predictor of the future. Although our Small Business and Family have suffered since XX/XX/XXXX with a devastating downturn that forced us to close a small business, and wrecked our personal finances, that is the past, not the future. So, lets move point by point as to why the US Bank Mortgage Underwriting decision and determination we are not worthy of a loan modification, is incorrect! Stated under Traditional Modification, denied due to your income is insufficient to support payment. Based on what loan modification structure and interest rate? Stated under Payment Plan The modified payment will result in your housing to income ratio exceeding the targeted housing to income ratio ( combined 1st and 2nd mortgage ) per program guidelines. What program guidelines are being applied in this case? Point 1. If US Bank combined current principle and interest, second mortgage which would be {$680000.00} on a 3 % interest loan the monthly payment not including taxes and insurance would be at {$2800.00} on a 30-year fixed refinance loan. This is affordable with our current income of {$13000.00} and annual earnings of {$160000.00} before taxes. If US Bank applied a 4 % lending rate to the recalculated the loan the payment would be {$3200.00} per month, still affordable. Point 2. If you calculate a combined first and second mortgage into a 3 % interest {$2800.00} or 4 % interest rate, {$3200.00} monthly payment is extremely achievable with our current monthly income. Based on both monthly payments and calculating the income to housing ratio based on the standard definition of adding up all of your monthly debt obligations -- often called recurring debt -- including your mortgage ( principal, interest, taxes and insurance ) and home equity loan payments, car loans, student loans, your minimum monthly payments on any credit card debt, and any other loans that you might have or 24 % not 38 % that has been calculated by US Bank Mortgage Underwriters. We have asked the question on numerous occasions what formula for income to housing ratio is being applied by US Bank Mortgage Underwriters? Again, no transparency! Source : Bank XXXX definition and debt to ratio calculator and the truth about Mortgages XXXX XXXX XXXX XXXX 3. US Bank Underwriters only provided the XXXX Family Credit for monthly income of {$10000.00}. When it is well documented that our current monthly income is {$13000.00} and breaks down as follows : personal gross income of {$10000.00} per month {$2200.00} which increases to {$2300.00} in XXXX. Rent {$700.00} per month received from a contact boarder ( my XXXX-year-old father in law ) and my wifes income as a XXXX XXXXr and XXXX XXXX averaging {$400.00} per month. Total monthly income {$13000.00}. Supporting Documentation. My income is verified on two basic documents 1. Employment Letter Attached 2. Loan and XXXX-dollar investment document, both attached to this letter. Business and Personal income will rise in XXXX due to the investment and contracts currently being negotiated. Also, US Bank Credit Score provided as a XXXX score. I do not know where the bank pulled the score from but FICO, Equifax and Experian all have it higher. The effort to gain a loan modification from US Bank Mortgage, Mortgage Assistance and Loss Mitigation has gone on far too long. The XXXX XXXX has the ability to substantially recover from years of negative financial down turn and financially thrive. We now have the ability to pay off debt overtime and stay current with our financial obligations. As in the beginning, we came to Mortgage Assistance for Help to Modify our Mortgage Loan and allow us to save our home. I am a XXXX-year banking customer and a 27-year business customer and would like to continue the banking relationship as we recover personally as well as bank the XXXX XXXX business investment and future growth earnings with US Bank. It just comes down to this, is US Bank Mortgage Loan, Mortgage Assistance and Loss Mitigation going to do the right thing because it is right to do and the XXXX Family has provided proof we are in recovery. Or is it that US Bank and its mortgage operation just doesnt want to help? Sincerely, XXXX XXXX US Bank Customer and Mortgage Holder | ||||||
| 07/08/2022 | Yes |
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| This is part two of an unresolved complaint with US Bank Home Mortgage ( this was closed by CFPB, but it is far from over ) : Important note : I have never missed a payment to US Bank Home Mortgage. I paused my loan for the COVID FORBEARANCE program. All of my payments have been put into a suspended funds account so over $ XXXX is just sitting there and has not been applied to my mortgage. CURRENT STATUS & COMPLAINT : Once US Bank had decided I did not qualify for the COVID FORBEARANCE program ( despite being approved multiple times and sent incorrect paperwork - see original complaint ) they offered another application for mortgage assistance which was generally impossible for me to prove past hardship ( see feedback below ). When it was decided that I had no other choice, I obtained a loan for the funds to just pay back the amount from the paused payment months in forbearance. I called US Bank on XX/XX/XXXX to request the exact amount necessary to get my account back to good standing. I was advised that I needed an Account Reinstatement letter and that I would be sent this within 7-10 business days. I called twice to check on the status of this but never received it, or the amount. Then on XX/XX/XXXX US Bank reverted my loan back to foreclosure status. I received a letter dated XX/XX/XXXX informing me of this. I called as soon as I got the letter which arrived XX/XX/XXXX or XXXX and I checked the mail on the XXXX and called immediately. I told them repeatedly and begged them to just let me pay it. They stated that they could not accept the payment because of the status of my account, that funds would be returned to me. They also stated that the reason I did not get a Reinstatement Letter was because my account was not in foreclosure at the time I requested it. So, I called to find out what the exact amount was to pay and was told I needed to formally get the Account Reinstatement Letter on XX/XX/XXXX and no-one bothered to tell me that the person that requested that was wrong to do so. Not a single soul at that company could pick up the phone and communicate with me the amount to pay to fix this? Then XX/XX/XXXX, foreclosure status again. To summarize : I simply wanted to opt in to the COVID Forbearance program in XXXX. US Bank made countless errors I assumed were being fixed but instead sent my account to Foreclosure ( even though I had been paying my monthly payments without fail and they did not notify me ) XXXX of XXXX I begged for help to fix this and was offered the COVID modification again and signed/returned the papers only to be later rejected and told that I didnt qualify US Bank then sent an application for mortgage assistance that wanted me to prove hardship from 2 years ago ( which was basically impossible for me. The whole point of the COVID forbearance program was that it was assumed people who paused their payments had a reason. I was unable to work and so was my former tenant ) XX/XX/XXXX, I decided to take out a loan to pay the amount that was supposed to be in forbearance and request the exact amount to send to get my account back to good standing XX/XX/XXXX US Bank put my account back in foreclosure XX/XX/XXXX & XXXX XXXX called to try again to sort it out and was basically told to wait I have never been able to speak with the same person twice, nor have I been assigned a case manager. This has never been escalated despite all of my formal complaints or pleas for help. I have lost my tenants over this because they did not feel they have a secure home to live in. I lost money on tax filing because my payments werent correctly applied and are just sitting in a suspense account I fielded countless calls a day from aggressive sharks wanting to save me and buy my foreclosing home It took about 18 phone calls and multiple emails to request sites like XXXX and XXXX remove the foreclosure status on the property so that I could list it for rent and try to find new tenants. I have spent countless hours and lost many nights of sleep and shed many tears trying to fix this. It has affected my XXXX XXXX and my marriage. I am an upstanding member of the community. I own my own XXXX & XXXX XXXX. I am a mother. I am not the delinquent that they are treating me like. USBank Home Mortgage company is so broken. The people are unqualified and uninformed and disconnected. I dont trust a single word I have heard from any of them. How a company like this can not escalate a case like this and assign a knowledgable human to help is dumbfounding. I do not deserve this. I did nothing wrong. On XX/XX/XXXX this was the feedback to my original Complaint with the CFPB ( original Complaint below the feedback ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS US Bank Home Mortgage technically offered a solution but it was not a workable or feasible solution. They offered for me to apply for a modification that required me to prove my hardship from the past ( impossible ). I simply wanted the COVID Forbearance modification that I had been previously approved for multiple times but because they kept screwing up the papers on their end it had to be re-done and the rules changed. The offered solution also required an appraisal of my home at my cost and none of it guaranteed I would receive any help. I have had to take another loan to pay off the amount that was supposed to be in COVID forbearance. It has been a month since I requested the payoff statement to bring my account current and they still have not sent it. The fallout from this situation has greatly affected my life. I lost tenants because of their fear of the home being foreclosed on. I am still fielding calls from multiple people wanting to buy my foreclosing house. I had to fight for months to get my home removed from multiple auction sites. I have to take out a loan at a higher interest rate than my mortgage just to get this settled. My taxes were also affected because none of the interest paid was allotted correctly. I absolutely despise the poor level of service this company provides. It is impossible to speak to the same person twice and I have never been assigned any kind of case manager. Each time I call the representatives are absolutely clueless and I have to spend hours waiting for them to try to understand or help while they message supervisors. This company should be ashamed with how they do business and treat people. I would refinance and move my loan immediately if I could afford to. ORIGINAL COMPLAINT FILED WITH CFPB : I have a mortgage with US Bank. I purchased in XXXX and have been in excellent standing for the life of this mortgage. In XXXX of XXXX I was XXXX due to COVID and the tenant of my home was as well. I opted to sign up for the COVID Forbearance program to alleviate the financial stress. I went through the underwriting process with US Bank and they approved the loan modification. They sent the papers and when I went to have them notarized we realized they were in my maiden name ( I purchased the home 8 years before I met my husband ). I sent them a name change form and marriage certificate to change the name on my mortgage and have them reissue the papers. US Bank sent new loan modification documents but they added my husbands name to the loan! This was never requested by us nor did my husband authorize them to add his name to anything. I asked them to please remove his name and re-issue the papers. They sent papers with his name again and told me it was required because Colorado is a Common Property state. This is 100 % false. I insisted that they were wrong, and to please remove his name. US Bank then informed me that I had to sign a Quit Claim Deed to remove his name. Again, I insisted that they were wrong. I stated that I should not have to sign an incorrect document removing him as we never added him. The conversation about the Quit Claim Deed was in XXXX of XXXX. I asked them to please get it right and send me the correct documents. Many months went by and I assumed that it was being escalated and it was just delayed because it was complicated ( and everything seemed complicated with COVID rules ). I never missed a payment outside of that forbearance period and resumed my automated payments. Fast forward to XX/XX/XXXX... I find out from my tenants that there has been a foreclosure notice taped to the front door. I had NO IDEA. There was no communication from US BANK. I had been making my regular payments, all automated and on time. I called the Public Trustee and confirmed that my home was in fact listed on the foreclosure list with a XX/XX/XXXX sale date. I immediately called the filing attorney and US Bank to try to fix things. US Bank then reviewed my account and informed me that on XX/XX/XXXX they marked my account as " customer denied loan modification ''. I never denied the program, I was just unwilling to execute incorrect documents. I assumed that whole time between XXXX and XXXX that it was just stuck in the process somewhere. This is my only fault - assuming someone was doing their job. On XX/XX/XXXX after panicking about the foreclosure and contacting them to fix things they re-opened the loan modification process again and sent to underwriting. They approved and send new loan modification documents ( with just my name! ) and immediately executed and returned to US Bank ( they received on XX/XX/XXXX ). Today ( XX/XX/XXXX - two full weeks later ) I called to check the status because they had not communicated anything to me. They informed me today that my modification was rejected because the home is not owner occupied. They said that because I was trying to modify it post-COVID, after the fact that it had to be owner occupied. This was not the rule when I qualified for the loan modification in the first place and it was in underwriting and approved multiple times. The only reason I am doing anything " post-COVID after the fact '' is because US Bank made error after error. The extended timeline of this modification is because of US Bank 's errors. Also, one additional point, each time I start a call with US Bank they have a standard set of questions they ask and one of them is " is this your primary residence '' and I always answer " no it is tenant occupied ''. It is not like this is new news to them. Every conversation for two years starts with this information and they have approved the loan modification multiple times. This has been an extremely demoralizing and stressful situation. I am published on a public foreclosure list. I receive non-stop phone calls about the foreclosure and my tenants and myself get multiple pieces of mail daily regarding this. My tenants no longer have faith that they have a secure place to live and want to break their lease. US Bank has treated me as if I am in default and in the wrong. They have made multiple mistakes and will not listen to me to correct them. I have never been able to escalate this on a phone call, they refuse or transfer me and it disconnects. I have spent countless hours on the phone with them only to speak to someone at an entry level who doesn't have a clue. I have to wait on hold while they IM their supervisor and get nowhere sometimes for multiple hours. I have written their formal complaint department four times with no response. As of today they are saying my loan modification is rejected which means if I don't come up with the money from the forbearance period that I will lose my house in foreclosure. Please, please help me! ATTACHMENTS XXXX XXXX XXXX XXXX -Account # Hide full complaint What product or service is your complaint about? PRODUCT OR SERVICE Mortgage TYPE FHA mortgage What type of problem are you having? Inactive modal ISSUE Struggling to pay mortgage CONCERNED ABOUT FORECLOSURE? Yes IS THERE A DATE OF FORECLOSURE? Yes ( XXXX ) HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes MISSED PAYMENTS? Yes PAID COMPANY TO AVOID FORECLOSURE? No What happened? I have a mortgage with US Bank. I purchased in XXXX and have been in excellent standing for the life of this mortgage. In XXXX of XXXX I was XXXX due to COVID and the tenant of my home was as well. I opted to sign up for the COVID Forbearance program to alleviate the financial stress. I went through the underwriting process with US Bank and they approved the loan modification. They sent the papers and when I went to have them notarized we realized they were in my maiden name ( I purchased the home 8 years before I met my husband ). I sent them a name change form and marriage certificate to change the name on my mortgage and have them reissue the papers. US Bank sent new loan modification documents but they added my husbands name to the loan! This was never requested by us nor did my husband authorize them to add his name to anything. I asked them to please remove his name and re-issue the papers. They sent papers with his name again and told me it was required because Colorado is a Common Property state. This is 100 % false. I insisted that they were wrong, and to please remove his name. US Bank then informed me that I had to sign a Quit Claim Deed to remove his name. Again, I insisted that they were wrong. I stated that I should not have to sign an incorrect document removing him as we never added him. The conversation about the Quit Claim Deed was in XXXX of XXXX. I asked them to please get it right and send me the correct documents. Many months went by and I assumed that it was being escalated and it was just delayed because it was complicated ( and everything seemed complicated with COVID rules ). I never missed a payment outside of that forbearance period and resumed my automated payments. Fast forward to XX/XX/XXXX... I find out from my tenants that there has been a foreclosure notice taped to the front door. I had NO IDEA. There was no communication from US BANK. I had been making my regular payments, all automated and on time. I called the Public Trustee and confirmed that my home was in fact listed on the foreclosure list with a XX/XX/XXXX sale date. I immediately called the filing attorney and US Bank to try to fix things. US Bank then reviewed my account and informed me that on XX/XX/XXXX they marked my account as " customer denied loan modification ''. I never denied the program, I was just unwilling to execute incorrect documents. I assumed that whole time between XXXX and XXXX that it was just stuck in the process somewhere. This is my only fault - assuming someone was doing their job. On XX/XX/XXXX after panicking about the foreclosure and contacting them to fix things they re-opened the loan modification process again and sent to underwriting. They approved and send new loan modification documents ( with just my name! ) and immediately executed and returned to US Bank ( they received on XX/XX/XXXX ). Today ( XX/XX/XXXX - two full weeks later ) I called to check the status because they had not communicated anything to me. They informed me today that my modification was rejected because the home is not owner occupied. They said that because I was trying to modify it post-COVID, after the fact that it had to be owner occupied. This was not the rule when I qualified for the loan modification in the first place and it was in underwriting and approved multiple times. The only reason I am doing anything " post-COVID after the fact '' is because US Bank made error after error. The extended timeline of this modification is because of US Bank 's errors. Also, one additional point, each time I start a call with US Bank they have a standard set of questions they ask and one of them is " is this your primary residence '' and I always answer " no it is tenant occupied ''. It is not like this is new news to them. Every conversation for two years starts with this information and they have approved the loan modification multiple times. This has been an extremely demoralizing and stressful situation. I am published on a public foreclosure list. I receive non-stop phone calls about the foreclosure and my tenants and myself get multiple pieces of mail daily regarding this. My tenants no longer have faith that they have a secure place to live and want to break their lease. US Bank has treated me as if I am in default and in the wrong. They have made multiple mistakes and will not listen to me to correct them. I have never been able to escalate this on a phone call, they refuse or transfer me and it disconnects. I have spent countless hours on the phone with them only to speak to someone at an entry level who doesn't have a clue. I have to wait on hold while they IM their supervisor and get nowhere sometimes for multiple hours. I have written their formal complaint department four times with no response. As of today they are saying my loan modification is rejected which means if I don't come up with the money from the forbearance period that I will lose my house in foreclosure. Please, please help me! | ||||||
| 09/05/2023 | Yes |
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| This complaint is regarding my treatment as a consumer at US Bank and their mishandling of my money. I have been with US Bank for nearly 20 years and I have had multiple accounts with them including most recently : one checking account, 5 CDs ( ~ {$10000.00} total ), a credit card ( {$18000.00} limit ), a brokerage account ( {$470.00} ), and a reserve line for overdraft protection ( {$2500.00} ). I am the sole account holder on all of my accounts. My mother lives about XXXX miles from my local US Bank branch and her address is my permanent mailing address. I live in the XXXX and moved here in XXXX for school. I have had this bank for so long, it has been with me through many life changes. When I first opened my account, I was dirt poor, living in poverty and receiving state assistance. My bank has followed me on a long journey through many trials and tribulations of life, change, and personal growth. I worked my way through school, survived domestic abuse, and eventually moved to XXXX XXXX XXXX to attend XXXX University for my XXXX XXXX. I was so poor when I attended XXXX that for two years I rented a living room in a XXXX apartment, slept on the floor with no furniture and my belongings beside me, with sheets hanging from the ceiling to give myself a room. I was so poor that I did not leave the XXXX until I was XXXX XXXX XXXX, when I moved to XXXX for an internship after completing my XXXX XXXX. From there, I got a position as a US Department of Defense contractor and for the next several years, I worked at XXXX on XXXXXXXX XXXX XXXX XXXX. I decided to pursue my XXXX at the University XXXX XXXX in XXXX, XXXX where I excelled, and now I work in XXXX as a professor at a wonderful university. Before I left the US to pursue my XXXX, I put nearly all of my money into CDs for a rainy day or emergencies. My attachment to my bank and my bank account is a reflection of how far I have come in my life journey and though I moved to the XXXX, this relationship with my bank is not an easy one to part with and I decided to keep my US Bank accounts when I moved in XXXX. I have since decided to stay in the XXXX for the next long while since I have a permanent academic job now. I called US Bank on XXXX XXXX and candidly explained that I now live in XXXX and am applying for a mortgage for my first-time home purchase. In order to gather enough for my downpayment, I asked to early withdraw three CDs at US Bank totaling {$6000.00} that were yielding extremely low interest rates and far from maturity ( two at 0.15 % APY, and another at 0.74 % APY ). I asked for my remaining 2 CDs to be left alone as they will mature next year and while the interest rate is low for this market ( 2.1 % and 2.3 % ), I plan to renew them next year at a higher APY. I also explained that after this transaction of early withdraw on the XXXX CDs completes, I will need to do an international wire transfer from my US Bank checking account into my XXXX XXXX XXXX XXXXXXXX checking account. During my conversation of closing the XXXX CDs, the US Bank customer service representative on the phone explained the penalties and fees for my early withdraw and I agreed to all of them. I calculated that I will benefit more from a larger downpayment on my home, than leaving the CDs to mature at their interest rate. And, while the size of the CDs is modest, the fees and penalties do not really impact the final value in my view. He stated that it may take 1-2 business days for the transaction to complete. On the topic of an international wire transfer, he took down my XXXX phone number and said he would call me back to explain my options. On XXXX XXXX I saw that the CD withdraw and transfer to my US Bank checking account had completed but I did not receive any phone calls from the bank to discuss the international wire transfer. I called the customer service line to request information about how I can do the transfer. I also logged into my online banking account. Online, I was prompted to update my phone number in the system before I could access my accounts, but it would not accept my XXXX phone number. The phone number that had been on file was an old one that has since been disconnected. I asked my sister if she would allow me to use her XXXX mobile number and she agreed so I updated my phone number in my account to hers. At this point, from then on, any time that I called the US Bank customer service line -- even for information -- I was prompted for a one-time verification code in real-time before any agents would speak to me. My sister provided me with the codes that were being sent to her phone, though on several occasions she was not able to provide it to me fast enough which meant that I could not continue with my call to customer service. This resulted in me making many calls to US Bank customer service, some were to discuss my options and for informational purposes, and others were to attempt to make a transfer. Different customer service agents provided me with different information on each call. The inconsistency was confusing, not least because I viewed them as the authority about how transfers work, having never done one with this particular checking account before. For example, an agent would tell me that an international transfer over the phone is allowed since I am out of the country, but that my call would need to be transferred to another department. Upon the transfer to another representative, they would provide me with different information and options, leading me to tell them I would need to think about it and call back. When I called back, agents would tell me completely different information about transfers and how they work. This led to many one-time verification codes between my sister and myself I counted approximately 12 codes verifying me between XXXX XXXX and XXXX XXXX, several of which involved multiple verifications during single calls to customer service. At the same time, I did an early withdraw of two CDs with XXXX XXXX in the amount of {$22000.00}. I am the sole account holder on all accounts. The XXXX CDs were closed quickly and were deposited into my US Bank checking account on XXXX XXXX. To deal with the real-time verification codes, I therefore arranged to call US Bank at times when my sister said she would be available to help me to forward the real-time code verifications to me. Each time I called the customer service line, I candidly explained that the phone belongs to my sister, that I am living in the XXXX, I am calling from XXXX because its expensive to call the XXXX, that I have no ability to come in-person to a branch, that am getting my savings together for a mortgage downpayment for a home purchase in the XXXX, and that my goal is to ultimately transfer some of the funds in my US Bank checking account to my XXXX bank account. On another login to online banking, I was randomly prompted to reset my password. One of the options that the customer service agents gave me was to do an international wire transfer and that it was no problem- I could do it all at once. This contradicted information that I had been given earlier. Another option was to use XXXX but it is limited to domestic transfers only and transfer amounts would be limited to {$3500.00} per day and {$15000.00} per month. These limits meant that the soonest I could have funds in my XXXX account would be XXXX, which means I may need to delay my home purchase. Information about these options shifted depending on which customer service representative I spoke with. After being transferred to several customer service agents, and then calling back one additional time to confirm the information that the last agent gave me ( the inconsistencies were difficult to follow! ) I understood that it was against policy for me to initiate an international wire transfer over the phone. I called back to the customer service line to file a complaint with the first representative that I spoke with, and asked her to pass my complaint to her manager, that I have been given grossly inconsistent information and it has taken a lot of my time on hold to the bank to even understand that I was being given inconsistent information. I then called my local US Bank branch in XXXX XXXX, Oregon and spoke to the branch manager. I explained what I was trying to do and the difficulties that I was encountering. He said that I should write myself a check and cash it in my foreign bank. I did not bring US Bank checks with me when I moved to the XXXX, I asked if it was possible to send them to my XXXX address or if I needed to send them to my mothers address on file. Based on the information that I was given, it sounded like ordering new checks would take much longer than doing a transfer of funds, even with the XXXX option and having my sister complete the international wire transfer. Getting frustrated with the time it was taking me waiting on hold for so many calls to the customer service line, I decided not to pursue an international wire transfer at all. So, on XXXX XXXX, I ordered checks through the online banking system and had the option to specify either my address on file ( my mothers near the bank branch ) or an international address. I opted for the international address. I received an email confirming that I had paid for the new checks. I called the customer service to get more information about how long it would take to arrive and they explained that the order will likely be rejected because they cant ship checks internationally. To this day, the status online is just pending and I can not get any updates on the checks that I ordered. Also on XX/XX/XXXX, I arranged a time with my sister where we both sat on the phone together to do a domestic wire transfer of {$28000.00} from my US Bank checking into her XXXX XXXX checking account. First, I called the bank to confirm that this is allowed and possible, unlike the international transfer. The agent assured me that this was possible and would be quick. I then got on the phone with my sister and the bank to do the domestic wire transfer to my sister ( from US Bank XXXX XXXX XXXX ). We completed the transaction on the phone and I was told it would take just a couple of hours. Several hours later, I received a call from my sister that US Bank called her but were unable to say why. So I immediately called the bank back and was told that XXXX of my CDs on the early withdraw had a problem because the penalties could not be waived. I had never asked for penalties to be waived so I was very confused. I was then transferred from department XXXX department, ending up with a very aggressive customer service agent. He told me that he thought I was a criminal, that what I am trying to do is illegal, and that I need to be physically standing on XXXX soil in order to do my banking. I told him that I wanted to speak to his manager, but he said his manager was unavailable. So I asked to be transferred to someone else. He did not transfer me and I was put into the automated online system and asked to re-verify myself again by PIN, and at some point was disconnected from the phone banking system. I called back and explained that I was not happy with the way I was treated. The customer service representative explained to me that one of the three CDs that I was withdrawing had an issue and was credited back to my CD account, leaving insufficient funds for my transfer. She said she was not able to provide me with more details about the CD but said that it should automatically resolve after the XXXX XXXX weekend, with business resuming on Tuesday XXXX XXXX. Seeing that this transfer of funds was going to take much longer than 1-2 business days, I decided to try the domestic transfer to my sisters XXXX XXXX account XXXX the XXXX service available to me in online banking, and also XXXX. Keeping in mind the daily and monthly limits as I mentioned above, I initiated a XXXX transfer of {$3500.00} and a XXXX transfer of {$3000.00} to my sisters account. On XXXX XXXX, I called US Bank customer service to check on my CD and the two transfers. I learned that a hold had been placed on my account and that I needed to speak with the local US Bank branch. During the transfer, I was disconnected. I called back three times and was continuously disconnected. When I finally got through, the person at the local branch named XXXX explained that he thought my account looked suspicious and that he had placed a hold on my account. He asked me several verifying questions. I answered them correctly. I explained my situation to him, that this is for a mortgage downpayment and that I ultimately need to move the funds to my sisters account so that she can do an international wire transfer. He agreed to put a note in my account so that I could do several transfers each day ( XXXX XXXX and XXXX Transferwise ) until the desired amount of funds had been transferred to my sisters account. I then had to call back to US Bank customer service to discuss the CD issue, and the representative said she could see the notes on my account and she said that she completed fixing the issue with my CD. In other words, re-doing the early withdraw of my CD in the amount of {$2900.00}, except that since a couple days had passed, the amount was going to be instead {$2900.00}. I agreed to this. Both my XXXX and XXXX domestic transfers are still pending and my CD has not yet been fixed at the time of writing this. I am tired of being on hold with the bank, and its interfering with my health to spend so many hours on the phone when I have a full time job. In addition, the uncertainty of how long it XXXX take me to access my funds is postponing my application for my mortgage which is costing me money as XXXX interest rates are changing. If I can not retrieve my money from my US Bank account, I will be forced to do only a 10 % downpayment on my mortgage instead of a 24 % downpayment as I have planned for. This difference in the downpayment will cost me tens of thousands of dollars in interest and is difficult to recover from. Being treated as a criminal has had a severe impact on my well-being and the conduct of the representative that I mentioned above was beyond unprofessional it is mortifying, derogatory, and humiliating. I was poor when I opened my account with US Bank, and now, Im still poor after all of my years of hard work blood, sweat, and tears to make something of myself and be somebody. Not to mention my service to this nation. In all of my 6 years living abroad, I have never felt so alone, so far, and so disconnected from my own country as I did on XXXX XXXX when the customer service representative called me a criminal. My savings was for a rainy day or emergencies, and the thought that this still would have happened to me in a genuine emergency makes me so incredibly scared. Locking someone out of their hard-earned money is not security, it is a form of fraud. Giving me inconsistent information and then locking me out of my account is not security, it is criminal. US Bank has committed gross misconduct and should be held accountable for the impacts it has on the rest of my future. What is the point of having money? What was all of my hard work for? I'd rather be dirt poor again than feel the way US Bank has made me feel about myself. I bawled my eyes out on Friday night ( XXXX XXXX ) after that call with the agressive representative. I bawled my eyes out again tonight on the phone with the Consumer Finance guy who treated me like a human being. At this point, I bet there's so many flags on my account that even if I came to the bank in-person, I wouldn't be able to withdraw any of my money. And it's because your customer service representatives led me down a winding rabbit hole to XXXX. I'm not going to stand for this. Give me my XXXX money so I can buy a XXXX house. | ||||||
| 01/29/2021 | Yes |
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| On XX/XX/XXXX I went to buy a coffee but when I went to my purse I noticed things in my wallet were gone. When I got to work, I went to my online account and found that I had only {$20.00} to my name. I immediately called US Bank to report the fraud situations which appeared to affect my entire online portal and the stolen cards. I filed numerous charges with them that day. The representative I visited with said it appeared that somebody had hacked my online account and transferring money between accounts and then using it for XXXX purchases. The debit cards that were missing were apparently used at XXXX to make several large purchases. I closed those accounts and opened new ones on XXXX XXXX. On XX/XX/XXXX I had called to check up on the status of the claims. At that time, I was told that they couldn't really find any information on what had been done with the XXXX claims and was also told that they " forgot '' to file a claim for a {$500.00} unauthorized XXXX transaction so they were going to file that claim on XX/XX/XXXX. On XX/XX/XXXX business days after I filed the claims, I still had not heard anything so I called back and spoke with XXXX. She was looking for notes in regards to the claims and said she was unable to locate notes and said she would submit a request to have a claims processor call me. Later that day, XXXX, a supervisor in the fraud department returned my call and was was trying to help me. He said the accounts were closed. I told him I had closed them back on XXXX XXXX when I realized my cards were missing. I told him my story and he said, " It is not right that you haven't heard anything or gotten any paperwork in the mail. This is not who we are. '' He then told me he will call me on Monday after he followed up. I called again on XXXX XXXX since I had not heard anything back. I talked to XXXX and was told that both of the XXXX transactions showed they were ongoing. I had already received payment and a letter stating that the {$350.00} transaction was approved. I received this documentation on XXXX XXXX, XXXX. I was also told there was no resolution shown for any of the card transactions at XXXX. The representative asked if I had received paperwork in the mail. Up until now, I have not received any information or paperwork from them at all. XXXX then transferred me to a lady who said I needed to call the Fraud Liaison Center. That is who I called when I spoke with XXXX and was who transferred me to her. She then put in a request to have a claims processor call me and said I should get a call back within 24-48 hours. On XXXX XXXX I called back to see what was going on. The person I spoke with said they will need to put in a new request to have a claims processor call me. I did happen to get a call back from XXXX who said she was a supervisor. She told me that something like this could happen at any merchant. I told her what had happened and that I was not sure how they were able to log into my account. It could have been through my work computer or home computer. After telling her what happened, she said she took down notes and was going to to to the case processor and tell them what happened and that since she talked to me I would not have to go through the process of filling out paperwork since the case had drug out this long already. She said she would just have the claims processor sign off and that I should have the money in my account today or tomorrow ( XXXX XXXX or XXXX ) but no later than Wednesday ( XXXX XXXX ). On XXXX XXXX, XXXX I called back to check on the status of the funds. The representative that I spoke with, XXXX, said the banker released funds for the fraud charges on one of my accounts but that there were no notes or anything about the other account or the {$500.00} XXXX transaction. XXXX then transferred me to XXXX, who apparently is a supervisor. She was able to see the claims, but no notes and not sure where these claims were in the claims process. She put in an escalated request to have a case processor call me and told me I should get a call back within 2 days. She was able to confirm what XXXX told me about not needing paperwork because she found those notes. She also said, " We should have sent out paperwork and the money should have been issued a long time ago. '' She also confirmed the transactions from the other card and said those funds were authorized to be released. I was then transferred to another person on the fraud team to see where we were in the process of the XXXX claim for {$500.00}. They told me the account used for that transaction needed to be closed. It was already closed back on XXXX XXXX. He said he couldn't find any notes on the claim and that he would send an email to have someone check on it and told me to call back tomorrow. I asked if I could speak to someone and he said he would try to get a claims processor online with us today. I was put on hold and then spoke with another person. From what I told him he said there were probably multiple things happening with fraud in my account ( which I already knew because I filed the claims ) said he couldn't see the claims in the system. He said that maybe the charges were not requested or not tagged and that maybe there was no claim set up yet. I informed him there was but nobody seemed to be helping me with it. He was going to forward a message to a supervisor but told me it would not be the same supervisors that had previously helped me. It could be any supervisor. I called back on XXXX XXXX, XXXX ( 21 business days after claim was filed ) and spoke with XXXX. He said he was unable to see any transactions on my debit cards but was able to see the XXXX transaction. He told me to call back tomorrow as there was no update yet. I then spoke with XXXX, who was looking at my notes from yesterday and said a case processor should have already called back. She said she couldn't find the claim. I asked her to continue to look and she then said she found it. She told me that the last update she saw on their end was from XXXX XXXX from a claims processor which stated they would send the request to a claims processor manager. She didn't see any notes about the previous phone calls made in XXXX XXXX. She said the notes were very unclear. As she kept scrolling she then said she was able to see some notes from XXXX XXXX and XXXX and said she submitted notes about our conversation that day. On XX/XX/XXXX I called to check on the {$500.00} XXXX transaction. I visited with XXXX first. She said that I should hear something by the end of the day tomorrow ( XXXX XXXX ) in regards to this transaction. I then was sent to visit with XXXX who said she was reaching out to XXXX. XXXX was on her lunch break so they had me leave a voicemail with her. She did call me back and asked if I had a Case ID number. I informed her that I was never given a Case ID number and nobody had mentioned anything to me about one until now. She then transferred me to the PIN department because she said it looked like some of the transactions were made from an ATM. I am not sure how a XXXX or XXXX transaction can be made from an ATM, but I was then sent to talk to XXXX. XXXX said she would get in contact with the claims processor working on my case but she was able to verify the five charges between the two cards. She tried to apologize for the " mess '' that has been ongoing with these claims. When I checked my new account, I noticed I did receive funds in my account today. for the XXXX transactions ( one credit for {$1100.00} and one for {$1900.00}. ) On XXXX XXXX, XXXX I received a letter in the mail stating that the XXXX transaction for {$500.00} was denied. The letter said the transaction posted as requested, therefore denying my claim. I did NOT request this, but obviously if somebody got my information, they could have requested it making it look like it was me! I called to see what other information they could tell me because the letter gave a number to call for more inquiry. I was told that it " appeared '' I made the transaction ( which I did not ) but they couldn't confirm that so it was denied. Life went on as normal for a few days until I got two letters in the mail on XX/XX/XXXX. The letters said that my XXXX transactions were being denied because it appeared those transactions had been authorized. Again, I did not make those transactions and would not be calling every day or every few days to check in on things if I had in fact authorized those transaction. Why would somebody go through all of this trouble and unprofessional and unorganized customer service for something they did? I called the number on the letter and asked to request a copy of the information they used to deny my claims. I was denied that information and told they couldn't release that to me. The letter stated they would be reversing my credits for {$1100.00} and {$1900.00} on XXXX XXXX, XXXX. I called back again on XX/XX/XXXX to see if I could get a copy and was transferred to four different people everybody claimed they couldn't help me. Finally the last person I spoke with said, " I am not able to pull anything up in regards to those transactions. '' Where they ATM transactions. '' I told her they were XXXX transactions that were made using my card. She then eventually found the claims and told me they were denied due to inconsistent transactions and said I had a history with the merchant. Of course, I shop at XXXX, but that does NOT mean I authorized those transactions! If somebody stole may card and I live in XXXX, ND, there is a chance that they took the card to XXXX in XXXX, ND and used it! The final person I spoke with said they would put in a request for a claims processor to call me back within 48 house and stated that the claims processor can reopen the case. I had not heard anything or gotten a call back or voicemail so I called back on XXXX XXXX, XXXX. I initially spoke with XXXX and requested to talk with a claims processor. She transferred me to XXXX, a supervisor. All he did was tell me that the case processor can re-open the case and he will put in yet ANOTHER request for them to call me. I asked if he could put in a request for me to be called between XXXX CST and after XXXX as I am a XXXX and it is hard to answer my phone between those hours. He said he would request that they call me tomorrow between those times as they were gone for the day. On the morning of XXXX XXXX at XXXXXXXX XXXX I called back as i ONCE AGAIN have not heard anything back from the bank. XXXX answered and when i asked him if I could speak to a claims processor, he rudely said, " I can't help you. '' I called back at XXXX XXXX as this was the time I was told that a claims processor gets to work and talked with XXXX. She ONCE AGAIN put in another request for a claims processor to call me back. I told her that I had done some research and know about the Electronic Funds Transfer Act which states that if I file the claims between 3 and 60, I could be liable for up to {$500.00} of the fraud. She then transferred me to XXXX, a supervisor, who apologized for the month and a half long fiasco. He said no claims processor can take a direct call. We can only request to have them call me back. I informed him that I had numerous requests put in already and have not gotten a call back or received a voicemail. I told him that my cards were lost or stolen, and did have the PIN on the back. He put in another request and we ended the call. After work on XXXX XXXX, I called again as I am getting extremely frustrated with the lack of professionalism and lack of using a bank that does not back up their customer nor provide world class customer service like their voice prompt says. This was XXXXXXXX XXXX when I talked to XXXX ( unsure of spelling ) At first, like many others I spoke with, she said she couldn't find the claims. She then asked if I knew if they were filed manually. She then says, " this was filed earlier this year? '' I then told her that I had filed them back on XXXX XXXX, XXXX. She eventually found the claims and said there were 3 requests put in for a claims processor to call me back and said it was unfortunate that none of those had been followed through on. She said she was going to put in a request for an expediated callback and said I should be receiving one tomorrow XXXX XX/XX/XXXX ). She even included the times I am available for receiving a call. This is where we are at as of now. I will be continuing to call US Bank to check in on the appeal process and will follow up with this complaint as well. The following is a list of unauthorized transactions : {$600.00} on XX/XX/XXXX at XXXX {$500.00} on XX/XX/XXXX at XXXX {$900.00} on XX/XX/XXXX at XXXX {$74.00} on XXXX XXXX at XXXX {$1000.00} on XX/XX/XXXX at XXXX {$500.00} XXXX transaction on XX/XX/XXXX to XXXX XXXXI don't even know a XXXX XXXX ! Questions I would like answered : Don't you, as a federal bank have insurance for such circumstances? Why would you deny a claim if you have no evidence that I in fact made the transactions? If a card is stolen, there is a great chance that whoever has the card used it, which made it look like it was me. I always thought that as a bank, you would " back '' your customers and fight for them. My experience has been completely the opposite! I have had XXXX support. In fact, nobody seems to know what is going on, the notes that you do have in the system were not even correct because nobody contacted me and no paperwork was sent in regards to what happened with these transactions. And you feel you can take that money back from me? I will be switching banks and doing what I can to get my money back. I have also filed numerous complaints against US Bank for the lack of following through and lack of professionalism. Do you go back and check the transaction history? If so, you would see that I have NEVER made such large purchases at XXXX. Wouldn't that be a piece of evidence to show I did NOT make those purchases. Does your fraud department not alert customers when they see something suspicious? Why was I never notified when a XXXX account was opened on my account. Isn't a fraud department supposed to help customers by alerted them when something suspicious happens so you can prevent more fraud from occurring? I was never notified of anything. In visiting with people that bank at other locations that have had fraud occur, I have found that their situation was handled very differently. They never were questioned about what happened. As soon as they were notified of suspicious or reported it, they received their funds immediately and the money was never taken back. Those banks fought for the customer. I can not say the same for US Bank. Again, I am not sure who has my card, but I do know that I would not go through the hassle of closing my accounts and open new ones and switch over direct deposit, automatic payments, etc ... if I had made those transactions. I am aware that I do have some right under the Electronic Funds Transfer Act. Do you not have a " team '' of people that are dedicated to handle each person 's claim? I have been tossed around to so many people and nobody knows what is going on. Dedicating a Team of employees would very much help your department run much smoother. Your commit to customers and professionalism is very disappointing. I am appealing your denial of the above-mentioned claims. I do expect that this will be handled correctly due to the lack of follow through and knowledge through your fraud department. I expect those funds to be deposited into my account promptly. | ||||||
| 02/13/2020 | Yes |
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| I have owned some bitcoin within the past few years and from time to time, I will buy and sell it to make some money on the side. So at the end of XXXX, I sold approximately XXXX BTC. I sold it using XXXX which is a marketplace where buyers and sellers of BTC and other cryptocurrency meet and conduct transactions. These are agreed upon transactions where BTC is held in escrow by XXXX until the money is deposited or transferred. I sold my BTC via XXXX, meaning the buyers of my BTC made payments to me using XXXX and the payments came into my U.S. Bank checking account. There were 6 XXXX payments that were made to my U.S. Bank checking account on XX/XX/XXXX. The amounts were : {$240.00}, {$2000.00}, {$1700.00}, {$2500.00}, {$2500.00} and {$350.00}. On XX/XX/XXXX, I received a phone call from XXXX, who is an E-Fraud investigator from U.S. Bank stationed out of Ohio. He called me from the phone number ( XXXX ) XXXX and left me a message stating he wanted to verify some activity that occurred recently in my checking account. I called him back and when questioned about the recent XXXX activity, I did not try and evade the question or hide the fact that I had sold some cryptocurrency. I was completely forthcoming and told him that I had recently sold some BTC that I owned. He told me that the reason why I was receiving the call was because there was an individual I had attempted to sell BTC to who was on their blacklist for conducting fradulent transactions involved with BTC. That particular transaction did not go through however because I'm sure U.S. Bank had blocked it. I had no idea that U.S. Bank had an issue with that purchaser whatsoever or else I would not have attempted to conduct business with them. It's important to understand how the marketplace XXXX works. You have buyers and sellers of BTC for example who gather together to transact. Since I owned BTC and was looking to sell it, I simply have to click that I'm selling BTC and find a method of payment that is suitable for me. Since I had XXXX and it was instant and safe, I chose XXXX. Then once you click on XXXX as a payment option, various posts or advertisements pop up of individuals looking to purchase BTC. They have varying prices they are willing to pay and varying limits as well. I simply look for the highest paying individual and then you can begin the transaction. During this time, you communicate with the other party and I have provided the transcripts for each respective trade and the information provided by localbitcoin about the other party ( ie. their real name, what country they're located in, how long they've been a member of the localbitcoin community, etc. ) Another very important item to look for when trying to find a partner to transact with is their ratings. It's very much like ebay where it lists an approval rating as well as how many successful transactions they've completed. Someone with very few transactions, especially when it comes to purchasing BTC, is scrutinized and additional security measures are taken. All of the purchasers that I conducted transactions with have over 500+ successful transactions and positive ratings of 100 %. That means not even one of their transactions were ever disputed. So during my conversation with XXXX, he ends it by saying that U.S. Bank has decided to end its relationship with me. This was after I had told him that I had sold BTC and do so from time to time. I was extremely naive and didn't know how banks really frown upon crypto. He even made a remark that it appeared that I was trying to cash out my account. Two days earlier, toward the end of prior week, I had visited a branch to withdraw {$2000.00}. I needed that money for rent and my landlord prefers cash anyway. But that's neither here nor there, because that's my money and I can do what I like with my money. Anyhow, he also stated that it may take up to 10-15 business days for the account to closeout and I would be receiving confirmation in the mail. I was no longer able to transact on the account and he told me even my online access was no longer available to me. On XX/XX/XXXX, I followed up with XXXX because I wanted an update on the account closure. The address listed for my U.S. Bank checking account was a permanent address for a residence owned by my siblings and I. I, however did not reside at that address and was beginning to get leery of having to stop by everyday on my way home from work to check if my account closing check from U.S. Bank had arrived. I called XXXX and left a message. I missed his return call and he basically said that there was no update and that I just needed to wait patiently. I called the U.S. Bank customer service number XXXX XXXX XXXX XXXX on XX/XX/XXXX. I had now been driving daily to my XXXX XXXX address to see if the check had arrived and it had not. Mind you, this is 26 days after I had no longer had access to anything related to my U.S. Bank checking account. My debit card was deactivated, my online access, everything was deactivated or closed. I spoke to the customer service representative and she was very vague. She placed me on hold and spoke to a senior banker to find out further details about my account. She told me that there had been no activity or movement on my account since the XX/XX/XXXX. It was still in the process of closing and she then went on to explain how there are certain steps that need to occur when an account closes and that my account appeared to be stuck in the closeout process. She stated that my account did not have a home branch attached to it. This was due to the fact that the actual branch I had opened my account at had since closed down. Due to this reason, I was told that I would need to visit any branch of U.S. bank and speak to the branch manager and explain to them that I needed assistance in completing the closeout of my account. This was very alarming to me because my U.S. Bank checking account was my main checking account and it contained most of my money that I use for day to day living expenses. On XX/XX/XXXX, I called the branch located closest to where I currently reside. I called ( XXXX ) XXXX and spoke to XXXX. I explained the circumstances and told her that I just wanted to give the branch a heads-up that I would be coming in later that day. After I explained the situation to XXXX ( teller ), she asked for me to give her a few minutes to do some research and that she would give me a call back. She called back within the hour and told me that my home branch was the XXXX XXXX branch and that I would be receiving a call from the BM ( branch manager ) before days end. About 5 minutes passed and I received a call from XXXX, the BM at the XXXX XXXX location. She was extremely indignant and curt with me, almost to the point of being rude. She stated that her branch was the home branch and that there was no inclination for the bank to send me the proceeds of my account. Her manner and tone really took me off guard. I had had no negative interactions with U.S. Bank up until this point. Taken aback, I asked her why this was? She must have done some preliminary research on the account and she said that there were 5 or 6 checks in question that U.S. Bank was not comfortable with and that were most likely fraudulent. She said something to the effect of you may never see this money as it's tied to fraudulent activity. So quick distinction I'd like to make here is that I've never used checks and hadn't deposited a check in over a month. I proceeded to ask her about these checks in question and she answered by rattling off the amounts. The amounts she stated were in fact the exact amounts of my XXXX deposits that I described earlier. At this point in time, I attempted to correct her by telling her that they were in fact not checks, but XXXX deposits but she didn't care. In her mind, I was a criminal. She said until the back office receives confirmation from the other banks regarding these transactions, you won't receive any money back. This was a horrifying experience and upon ending our phone call, I was still in shock. The transactions I conducted were completely legitimate and within a few moments of time with XXXX, she had managed to make me feel as if I had done something criminal. I was downtrodden and distraught. I simply wanted my money so that I can pay my bills and move on from the U.S. Bank chapter in my life. On XX/XX/XXXX, I called XXXX. We had a conversation during which I explained to him that I still had not received my closeout check. It was here where he told me that U.S. Bank was not comfortable with the amount and frequency of these deposits. During my initial conversation with him, he said that what had caused them to pay attention to my account was an individual who was on their blacklist. He did not mention their level of comfortability with my account. He also stated that there was nothing he could do to help me in this matter any longer and that I would need to contact the branch. I asked him how that could be, seeing that he was the investigator and the one who worked on my account. He became confrontational and adamant that there was nothing he could do and that I should speak to the branch. I asked him to put himself in my shoes and again, he cut me off and abruptly stated, you need to speak to the branch. On XX/XX/XXXX, I visited the branch located at XXXX XXXX XXXX XXXX, CA XXXX. I spoke with XXXX ( BM ) as well as the personal banker there. I brought with me all the history from my BTC wallet. It shows each of the transactions including the details and chat between myself and purchasing party. Furthermore, I also have screenshots sent to me from the purchasers of my BTC ; XXXX encourages these screenshots to serve as confirmation of the actual money transfer/payment. I have attached those as well. A quick note regarding those screenshots is that the only way I could have a copy of those screenshots is if the other counter party ( purchaser ) actually sends me the screenshot. It basically serves as proof on their end that they've completed their part of the agreement, meaning they made payment, and at that point, my BTC which is being held in escrow, is released when I click release BTC. I brought this proof with me to the bank because I wanted to show them that the transactions were legitimate and that the other party had agreed to making the transfer or XXXX payment. The reason why I had chosen to visit this particular branch is because I already felt demeaned and insulted by the way XXXX had spoken to me. I did not want to have a negative experience with her unless it was absolutely necessary. I already felt like she had treated me wrongly and just didn't want to subject myself to that type of situation. I spoke with XXXX and the personal banker. I showed them my documentation and they were nice enough to scan it for me and fax it over to XXXX. I even spent some time with XXXX pointing out how the documentation coincided with the XXXX deposits and how it proved that the other party voluntarily and knowingly submitted payment to me. My goal was to show that the transactions were not fraudulent. I decided to wait until the following week to follow up with XXXX. On XX/XX/XXXX I called XXXX 's branch at the ( XXXX ) XXXX number. A teller answered and told me XXXX was with a customer. She asked me why I was calling and I spent about another 2 minutes explaining the situation to her. I told her I wanted to schedule an appointment with XXXX so that I could visit the branch and explain thoroughly my documentation and why it supports the fact that these were legitimate transaction and not fraud, all in hopes that they'll return my money as it's now been over 5 weeks since they've restricted my access to my own account and funds. I called the branch at XXXX. XXXX called me back around XXXX and stated there was no need for me to visit the branch and that she had forwarded my documentation to her back office. Personally, I had wanted to set up an appointment SO THAT I CAN SHOW HER WHAT ALL THIS PAPERWORK IS AND HOW IT RELATES TO THE SPECIFIC DEPOSITS THAT ARE BEING SCRUTINIZED. She didn't give me that opportunity. I even asked her can we still set up a time because I want to show you what is contained in the documentation so that you understand where I'm coming from. She responded there's no need. Since back office is going to make the decision about this, they can review it. She also stated that XXXX, the BM from XXXX had explained it to her and that she knew it was proof of the transactions. She said she would be calling me back with an update as soon as she hears anything. On XX/XX/XXXX, XXXX left me a message. In the message, she states that her back office has decided to not even review my documentation and that they know what is going on. Until there is confirmation from the banks where payment came from, they will not release my funds. I've worked in banking before, and theres no set methodology where the paying bank will confirm payments the way they are looking for confirmation. You don't get confirmations but you definitely will get chargebacks or informed notice if the payment isn't good. That has not happened and yet they still are holding my money hostage. Furthermore, she did not provide me with a way to resolve this issue. I have tried to think outside the box and provide them with documentation that will support my assertion that these payments were voluntarily and purposefully made to me, XXXX XXXX for BTC that they have received in exchange. When I heard XXXX 's message and the fact that they said they wouldn't even review my documentation, I couldn't help but think in my head, that's because you wouldn't even spend a minute of your time to agree to meet me so that I can show you how legitimate these transactions are and why your bank is making a huge mistake in labeling me as a criminal simply because BTC is involved. That is, unfortunately, my conclusion here because of the way they have decided to treat me and what I have to say. Please assist me in rectifying this situation. As XXXX made clear during my first call with him on XX/XX/XXXX, the bank has decided to terminate their relationship with me. To that, I respectfully say, I can understand their concern and respect that they have a job to do and a bank to protect. All I would like now is my money that is rightfully mine. It's now been over 5 weeks, we're going into the 6th week, and I ask you or anyone who is reading this, how would your financial situation sit if your primary bank closed your account and is holding your funds. That's what U.S. Bank is doing to me. This is now 5 weeks for the transactions to come back as fraudulent or unauthorized. This has not occurred. And it will not occur. These traders that I have transacted with are not going to risk their credibility and their 100 % rating, not to mention the proof ( chat dialogue showing the agreement between themselves and me as to the exchange ) just to rip me off for at most, {$2500.00}. For some people, this trading of BTC is their one and only job. I choose who I have transacted with meticulously, even if their rate ( exchange rate of BTC ) is lower than others simply because I want a trusted party on the other end. U.S. Bank won't accept or look at documentation that supports my choices. They are punishing me for no apparent reason. Please please please help me. I don't know what else I can do. | ||||||
| 10/18/2018 | Yes |
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| US Bank home mortgage is holding my payments not applying them to my mortgage account to put me in foreclosure statute but have a USDA guaranteed gome mortgage and they cant foreclose on my at all. read this since XX/XX/XXXX they sent me 9 foreclosure letters starting got one XX/XX/XXXX saying I missed XX/XX/XXXX payment that is not due till XX/XX/XXXX, Then they sent me a letter saying sence my bank blocked them for stealing 2 payments without having auot withdraw on my home mortgage account they sent out a default letter instead. READ THIS US BANK!!!! Default and Foreclosure Although the lender and USDA follow a complicated foreclosure process in their own dealings, from the borrower 's point of view a USDA loan foreclosure proceeds in much the same way as a foreclosure for other mortgage loans. Delinquency begins with your first missed payment. The situation is serious by the third missed payment, when the lender typically threatens foreclosure unless you bring your account current by a specified date. At this point, you're in default, and the U.S. Department of Housing and Urban Development notes that this warning may be your last chance to prevent foreclosure. If you're unable to work out an agreement with your lender, your home is repossessed, and the USDA sells it to cover the unpaid debt. If the sale price falls short of covering the USDA 's loss, the USDA turns the debt over to the Treasury Department for collection of the shortfall. The shortfall is called a deficiency. The Personal Guarantee Most lenders and investors can't force a borrower to pay a deficiency unless a court grants a deficiency judgment. Not so with the USDA. The USDA protects its investment by requiring a personal guarantee from the borrower that the borrower will cover the USDA 's loss in the event the borrower defaults on the loan. The practical effect, notes California attorney XXXX XXXX, writing for " XXXX XXXX XXXX XXXX, '' is that the borrower guarantees his own loan. You sign off on the personal guarantee when you close your loan. The form you sign promising repayment is just one of many the escrow officer explains to you as you're signing a stack of papers, so it's possible that you could get through the process without fully understanding the commitment you've made. So stop holding my payments to force foreclosure you cant USDA sees what your doing after I sent copies of all letters you sent me to the USDA guarantee office and your in breach of contract. Read this from my legal adviser not attorney yet. Lender liability, which first gained prominence in XX/XX/XXXX, has gained acceptance as a substantive body of law. Briefly, lender liability law says lenders must treat their borrowers fairly, and when they don't, they can be subject to borrower litigation under a variety of legal claims. The decade-long evolution of lender liability has resulted in most cases now involving breach of contract and/or fraud claims. Breach of Contract/Fraud For years, lenders were the ones who typically sued borrowers for breach of loan agreements. With the arrival of lender liability, borrowers became just as likely to sue lenders for those breaches. A loan agreement is like any other contract. If the agreement was fraudulently induced or there was an absence of mutual consent, the agreement can not be enforced. If the loan contract was breached, the lender can be sued if it was the breaching party. The most common remedy pursued by borrowers when a breach of a loan agreement has occurred is the recovery of damages. This can include both the difference between the loan amount and the costs for obtaining a replacement loan, and any lost opportunity or lost profit damages. Lenders often assert the " parol evidence rule '' to prevent borrowers from recovering against them based on oral promises the lender may have made to the borrower. The rule prevents admission of evidence in court of certain oral agreements that would contradict a later signed agreement. The theory behind this rule is that written evidence is more accurate than human memory, and the rule would prevent fraudulent later-asserted claims. Unfortunately, this can open the door to lender misconduct ( i.e., a lender making an oral promise that the lender then refuses to fulfill ). Luckily for borrowers, there are several exceptions to this " apparent '' open and shut rule. In XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX convinced the plaintiffs, two couples who operated a cattle ranch, to do business with it by making a series of promises about funding. The XXXX loan officer assured the plaintiffs that XXXX understood the cattle industry and knew it was cyclical and that plaintiffs could take 10 to 20 years to pay off a capital loan. XXXX also induced the plaintiffs to purchase a second cattle ranch. When the time came to sign the loan papers, the plaintiffs noticed that the documents contained new provisions to which they had not agreed and that the document structured the real estate loan for only one year. The XXXX loan officer assured them that these provisions were mere formalities and they had nothing to worry about. Based on the officer 's assurances, the plaintiffs signed the documents. When XXXX failed to honor its oral promises and made unreasonable demands regarding the real estate loan, the plaintiffs sued. XXXX defended itself based on the parol evidence rule. The plaintiffs prevailed at trial and XXXX appealed. The appellate court applied the parol evidence rule and found that the oral agreements were not inconsistent with the written agreement and were the type of agreements that might have been made separately. The court found that it would have been highly unlikely for the plaintiffs to have agreed to repay the loan in a year as reflected in the loan documents ; if so, the plaintiffs would have purchased the ranch knowing with virtual certainty that they would lose it, as well as other assets, at the end of one year. A one-year loan would also mean that XXXX had made the loan knowing it would be required to foreclose on it in one year. As a result, there was nothing inconsistent with loan documents prepared on a yearly basis, with a separate oral agreement to renew over a long period. Fiduciary Relationships A fiduciary relationship is one in which one person -- the fiduciary -- owes special duties to another person, and must look out for that other person 's interests with special care. Early lender liability cases attempted to establish that lenders had such fiduciary duties to their borrowers. However, in later cases, lenders were successful in limiting the ability of borrowers to contend that the lender-borrower relationship is fiduciary in nature. In XXXX v. XXXX XXXX XXXX, the court attempted to define the elements of a fiduciary relationship between lender and borrower as follows : 1 ) the borrower must have faith, trust and confidence in the bank ; 2 ) the borrower must be in a position of inequality, dependence, weakness or lack of knowledge ; and 3 ) the bank must exercise dominion, control or influence over the borrower 's affairs. If a lender-borrower relationship is kept at arm 's length ( the typical debtor-creditor scenario ), the relationship is not fiduciary. Lenders typically argue that all lender-borrower relationships fall under this category. Fortunately for borrowers, however, the courts have delineated exceptions where the situation is not arm 's length or where the bank is more than merely a lender. For example, when a lender holds itself out as a financial advisor, the lender will be held to the same fiduciary standard as any financial advisor. In XXXX v. XXXX XXXX XXXX, the fiduciary relationship was established because the bank failed to keep its banking and investment advice separate. XXXX approached his bank seeking a {$5000.00} loan for himself and his XXXX-year-old mother, XXXX XXXX. The bank employee he spoke with encouraged him to get a larger loan and to invest the money with Invest, an investment firm operating out of the bank branch. On the advice of the bank employee, instead of the {$5000.00} he initially sought, XXXX borrowed {$100000.00}, secured by his mother 's home. He then opened a trading account with XXXX and invested approximately {$52000.00} of the loan proceeds. The account was eventually wiped out in the XX/XX/XXXX stock market crash, and XXXX XXXX later defaulted on her mortgage. The XXXX sued the bank and Invest for breach of fiduciary duty and negligence. The Scotts settled their claims against the bank before trial, but the suit against the bank went ahead. After a six-day trial, the jury found in favor of the XXXX on a claim for breach of fiduciary duty. The trial court, on a subsequent motion, acknowledged the rule that a debtor-creditor relationship does not alone create a fiduciary relationship. However, the court found the jury verdict of a fiduciary relationship was supported by the manner in which the bank : 1 ) extended credit to the XXXX, 2 ) used promotional devices to persuade them to invest loan proceeds with an affiliated company with whom the bank shared profits, and 3 ) continued to advise the XXXX about their investments through employees that worked for both the bank and the investment company. Besides monetary awards of {$36000.00}, the bank established a life tenancy for XXXX XXXX so she could stay in her home in spite of foreclosure. Inappropriate Collateral Sales Lenders can also run into trouble by inappropriately selling collateral after a loan defaults. The Uniform Commercial Code requires that the method, manner, time, place and terms of the sale be " commercially reasonable. '' Courts have found sales to be commercially unreasonable where the lender relied on an appraisal that it knew or should have known was too low, or provided insufficient publicity for the sale to generate a sufficient number of bids. In one case, XXXX XXXX XXXX XXXX v. XXXX, the lender refused to hold a public auction of the plaintiff 's repossessed equipment, and instead offered the equipment to a limited wholesale market made up of its own dealers at prices much lower than the equipment 's value. Not surprisingly, the court found the sale failed to meet the test of commercial reasonableness. When collateral has been wrongfully repossessed or disposed of, the lender may lose the right to collect a deficiency, forfeit its security interest or be liable for damages. The provisions on commercial reasonableness protect guarantors as well in many jurisdictions. As the area of lender liability matures, expect additional changes and refinements of this body of law as lenders and borrowers ' rights activists lobby in state legislatures and Congress for their representative sides. I had an individual call me I cant menchen names yet, he was contacted by you talking about my account without my permission asking on information if they would by the house if I am foreclosed on thats proof you are trying to perusly trying to foreclose and you cant. I got you for violation of privacy and ID theft when you gave out my information I have the mans signed statement read this for the payments you have stolen .Mortgage fraud occurs when a potential homebuyer, seller, or lender lies or omits key information that leads to a mortgage loan approval or terms that the applicant wouldn't normally qualify to receive. More formally, the FBI defines mortgage fraud as any " misstatement, misrepresentation, or omission in relation to a mortgage loan which is then relied upon by a lender. '' Mortgage fraud is a serious offense and can lead to prosecution and jail time for convicted offenders. Under XXXX federal and state laws, mortgage fraud can result in up to 30 years in federal prison, and up to XXXX XXXX in fines. The Growth of Mortgage Fraud Mortgage fraud is a growing problem. According to XXXX, mortgage fraud increased 16.9 % in the second quarter of XX/XX/XXXX vs. the prior year. The fastest-growing subset of mortgage fraud is occupancy fraud, which happens when mortgage applicants deliberately provide false mortgage application information to purchase a home. Mortgage fraud is on the rise for multiple reasons : Rising Demand for Homeownership : U.S. homeownership rates hit 64.2 %, according the the U.S. Census data released in XX/XX/XXXX. Homeownership has been on the rise since XXXX, when it hit a 50-year low of 62.9 %. As home inventories shrink, demand for homes is on the rise. That can lead to more fraudulent mortgage applications being filed, as homebuyers try to get an edge in a competitive home-buying field. Interest Rates Are Rising : Part of the growing demand for new homes is time-related. With interest rates once again on the rise, homebuyers want to act now, and buy a home before rates rise even further. Conversely, home sellers want to cut a deal before high interest rates thin the pool of qualified buyers. Higher Home Values : Mortgage fraud is also fueled by stronger U.S. home values, which draws more buyers into the market to capitalize on them. In some cases, those buyers will turn to mortgage fraud to get the inside track on buying a potentially profitable property. Old-Fashioned Greed : In the event of seller-oriented mortgage fraud, like home appraisal fraud, shady home sellers will try to artificially inflate the price of their home, to get a bigger pay day when the property is sold. Fraud for Profit This type of mortgage fraud, prioritized by the FBI, is usually committed by industry insiders who use their specialized knowledge or authority to commit or facilitate the fraud. Many times mortgage fraud for profit involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals. Fraud for profit focuses on misusing the mortgage lending process to get cash and equity from lenders or homeowners. Fraud for Housing This type of fraud is typically when a borrower or potential homebuyer is motivated to acquire or maintain ownership of a house. The borrower may, for example, misrepresent income and asset information on a loan application or entice an appraiser to manipulate a property 's appraised value. These fraud-for-housing crimes are further broken down into different types of mortgage fraud. The gown load ( us bank Current Loan Information.html ( 78.5 KB ) Shows you changed my contract breaching contract by changing contract payment amount with no amendment to the contract Now you need to read the transfer order it said on closing or transfer of the note and contract no changes can be made at all. BREACH OF CONTRACT and in your own words from my sighn in on line showing the changes FRAUD. so try and change the online back to normale the breach already happened so if you change it back still in breach of contract and OCC said based on that information I can own the house out right and nothing you can do and USDA will drop the guarantee on the loan. And with holding and stealing my payments and sending my a fauls pay off notes is in writing you are trying to defraud me for trying to sell the house more then the loan is. LOL have fun with this one everything is in US Bank home mortgage own writing so eat that. | ||||||
| 01/07/2023 | Yes |
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| To : XXXX XXXX, XXXX and General Manager, Elan Credit Card CC : FDIC, CFPB XXXX Credit Card Account Ending in XXXX Issuer and Servicer : Elan Financial, subsidiary of XXXX Bank XXXX : XXXX and XXXX I have been attempting to resolve a billing issue unsuccessfully for XXXX and a half months. I have followed every direction given and been more than cooperative with both the merchant and Elan Financial. I find myself having to remind Elan Financial, servicer and issuer of the XXXX credit card, of their regulatory obligations under the Fair Credit Billing Act and being met with resistance because they are relying on XXXX agreements, not federal regulations. Allow me to provide a bit of context into what happened with the transaction and the subsequent reactions of the merchant and credit card company. On XX/XX/2022, I received a half-truckload of returned XXXX merchandise purchased through XXXX XXXX via an auction on their website. XXXX XXXX charged me separately for the shipping of the half-truckload therefore resulting in two disputed transactions. Once the pallets were unloaded into my garage, it became evident quickly that there was an issue the entire house began to smell of gasoline. After looking through the pallets, I realized that there was gasoline splattered and sprayed on all the merchandise. Digging through a bit more, I found open containers of gasoline. I knew that I had to get this out of my home as quickly as I could because I have a partner with health concerns as well as five animals with medical needs ; not to mention the flammability of open gasoline containers in a confined space. I attempted to contact multiple shipping companies to return the merchandise but knowing that the shipment would be covered in gasoline, I couldnt get anyone to accept it meaning that I was unable to return it to the merchant. Forced to decide next steps for the safety and health of my household members, I was able to find someone with an open bed truck to take the merchandise to the local junk yard. Having gotten rid of the entire half-truckload, I let the merchant know what had transpired. They refused to do anything about the fact they had just sent me dangerous, flammable materials without my knowledge or consent. They sent me multiple fine print disclosures and rules about when refunds would be given and returns granted, etc. but none of them covered the scenario in which they knowingly violated XXXX regulations by shipping open gas containers. They were unwilling to refund my money or do anything to rectify the situation. The next step was to contact the credit card company to let them know I wanted to dispute the transaction. After a brief conversation, I was given a provisional credit and sent some paperwork to fill out regarding the situation. I wrote out answers to what was asked and waited for Elan Financial ( on behalf of XXXX ), to make a decision. On XX/XX/2022, I was sent a letter that stated they were unable to move forward because they didnt have enough information. Elan Financial removed the provisional credit in the wake of this decision. The situation was a bit complicated, so I understood that response and called to give them more information on XX/XX/2022. The representative that I spoke with stated that she would take notes of what happened and send it back to the case manager for further review and a provisional credit. After this phone call, no additional credit was put on my card, and I was forced to make a payment on a balance that I was actively disputing. Having not received another credit and having made a payment, I called back on XX/XX/2022 to make sure that everything was okay on my account and that the steps were moving forward as required by the XXXX seeing as I had fulfilled my duty of the decline by providing the additional information requested. The representative that I spoke with told me that they were not going to reopen the dispute and that their decision to decline was valid because, XXXX rules state that if the merchandise was not returned to the merchant, a dispute can not be processed. After a forty-five-minute argument about the difference between allowing a payment processor the ability to chargeback a transaction versus acknowledging a billing dispute and following XXXX rules versus federal regulations, we ended the call with the understanding a manager would be reviewing the calls and case and calling me back. A manager did indeed return the phone call on XX/XX/2022, but once again gave the same answer as the previous representative that XXXX did not allow them to accept disputes when the merchandise had not been returned to the merchant. I once again attempted to explain that XXXX can not override federal regulations stating that an investigation must be done. XXXX states that a payment processor can not charge a merchant back for a transaction if the merchandise was not returned, but a chargeback and a billing dispute are not synonymous. The financial institution still has a regulatory requirement to investigate the issue and notify the customer of the outcome. In addition to the brush off phone calls, I never received another decline letter meaning the case was never actually reopened and reviewed. If it was reopened and reviewed, Elan Financial would have been required to provide me with an additional decline reason and another provisional credit. At this point, I have been forced to make payments on an invalid balance because Elan Financial is unwilling to even look at a dispute if they dont have chargeback rights under XXXX XXXX My rights and protections under the Fair Credit Billing Act have been violated and Elan Financial needs to be held accountable. I would appreciate a thorough review of my individual dispute cases in addition to a review of Elan Financials billing dispute policies and practices. With sincere concern, XXXX XXXX XXXX ( XXXX ) XXXX Below are the applicable regulatory rules that have been referenced to present this case ( 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing ) : 1666. Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligor 's belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a " billing error '' consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, " action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) '' does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligor 's account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditor 's compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses ( a ) Claims and defenses assertible Subject to the limitation contained in subsection ( b ), a card issuer who has issued a credit card to a cardholder pursuant to an open end consumer credit plan shall be subject to all claims ( other than tort claims ) and defenses arising out of any transaction in which the credit card is used as a method of payment or extension of credit if ( 1 ) the obligor has made a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card ; ( 2 ) the amount of the initial transaction exceeds {$50.00} ; and ( 3 ) the place where the initial transaction occurred was in the same State as the mailing address previously provided by the cardholder or was within 100 miles from such address, except that the limitations set forth in clauses ( 2 ) and ( 3 ) with respect to an obligor 's right to assert claims and defenses against a card issuer shall not be applicable to any transaction in which the person honoring the credit card ( A ) is the same person as the card issuer, ( B ) is controlled by the card issuer, ( C ) is under direct or indirect common control with the card issuer, ( D ) is a franchised dealer in the card issuer 's products or services, or ( E ) has obtained the order for such transaction through a mail solicitation made by or participated in by the card issuer in which the cardholder is solicited to enter into such transaction by using the credit card issued by the card issuer. | ||||||
| 07/05/2019 | Yes |
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| My Complaint against US Bank loan originator XXXX XXXX XXXX or US Bank Home Mortgage : XXXX XXXX packed my mortgage with mortgage escrow services without informing me that the low rates he was quoting were contingent upon the loan having escrow services. He did this despite my informing him that we wanted a conventional mortgage with no added fees or escrow services. He concealed that fact that he intended the loan to have mortgage escrow services until I was fully engaged in a contract to purchase a home. Once I discovered that XXXX XXXX intended my loan to have escrow services, I immediately informed him in writing that I did not want escrow services. A conversation ensued, and I was told by XXXX XXXX that escrow services would be removed from the final loan paperwork. Despite my withholding of the signed mortgage application, XXXX authorized the ordering of an appraisal for the contract to purchase the home which created further contractual obligations. I asked that the appraisal be postponed, but US Bank did not stop the appraisal. I identified multiple factual errors in this appraisal to XXXX XXXX, and he and US Bank refused to nullify or redo the appraisal. The loan processing was not complete by the first closing date, and it was not complete by the extended closing date, and we were forced to either waive all contingencies to our earnest money or possibly loose the right to purchase the home due to these delays. A third closing date of XX/XX/XXXX was agreed upon by the sellers. XXXX XXXX did not send me the final loan documents for review prior to closing. He sent the documents to the title insurance company one day prior to closing on XX/XX/XXXX. My closing appointment on XX/XX/XXXX was my first opportunity to review the documents, including the new GFE that he had dated XX/XX/XXXX. I observed that XXXX XXXX had setup the new GFE to include escrow services despite our agreement that it would not. At closing, prior to signing the documents, the closing officer and I called and spoke to the loan processor, XXXX XXXX. My wife was also present for this phone call. I informed XXXX that my loan was not supposed to have escrow services attached. She told us that the GFE could not be changed without further delaying the closing date. I asked if we would be able to cancel the escrow account after the loan was processed, and if there would be any fees for cancellation. She informed us that the escrow services could be canceled/waived after the loan was active for 12 months. She stated that there was not fee to waive the escrow services. Her comments were supported by the loan documents, which also did not state that a fee would be required to cancel escrow services. We had no other choice but to precede with the loan which included the GFE that XXXX XXXX had prepared despite this being against our wishes and unnecessary given our down payment and good credit history. I believe XXXX XXXX deliberately caused us to enter into a loan with escrow services for his own benefit, despite these services not being required or requested. We signed closing documents and paid our loan as agreed. In XX/XX/XXXX US Bank refused to allow me to have an escrow waiver without paying a fee of approximately {$1100.00}. My loan closing documents do not state that I am required to pay a fee for the removal of escrow services. I contested US Banks right to charge me this fee, and I remain in a disagreement with US Bank regarding my consumer rights. Here is the timeline of events : XX/XX/XXXXXXXX I began shopping for a mortgage loan. I made preliminary application without authorization to pull my credit with US Bank in order to obtain a per-qualification letter which I received on XX/XX/XXXX. I indicated that I would be placing a 20-30 % down payment and other details. XXXX XXXX sent me a prequalification letter that did not state that the rate he was quoting was contingent upon escrow services. I did not request mortgage escrow service on the account, and no statement was made by XXXX XXXX that mortgage escrow was a condition of the loan. I made an offer was made on a home, I did not pursue the counter offer. XXXX, XXXX : I sold property and paid-off an existing US Bank mortgage that had no escrow services over the life of the loan. XXXX, XXXX : I continued to shop mortgage lenders for better rates, and look for a home. Early XXXX, XXXX : I requested a new per-qualification letter from XXXX XXXX specific to an offer I intended to make on a home purchase. XXXX XXXX e-mailed a new per-qualification letter at a new and improved interest rate, and the letter also did not state that the rate he was quoting was contingent upon escrow services. This prequalification letter was used to make an offer on my current home. A counter offer was made, which was accepted by the sellers. Again, no information was provided or implied by XXXX XXXX that the rate or loan was contingent upon escrow services throughout this process. XX/XX/XXXX: On XX/XX/XXXX XXXX XXXX e-mailed me that I was locked in at a rate of 3.625 % for 30 years. He did not inform me that this rate was contingent upon my acceptance of mortgage escrow services. He required a credit card number in order to secure the lock-in the rate. Around XX/XX/XXXX XXXX XXXX used XXXX or XXXX to send me a formal loan application to sign and I observed that the GFE included with the application indicated that the loan would include escrow services. On XX/XX/XXXX after reviewing the paperwork, I e-mailed XXXX XXXX that I had not previously been made aware that his loan included escrow services, I did not want escrow services, and I believed that I was not required to have escrow services. I subsequently had a phone conversation with XXXX XXXX that I did not want escrow services for my mortgage loan, and that I if I was to proceed with US Bank this would need to be removed from my loan. XXXX XXXX agreed and told me that the final loan paperwork and GFE would not have escrow services. I told him that I would not be returning the GFE with the loan application. Prior to calling XXXX XXXX I checked with other mortgage companies to see if they could process a loan quickly enough to meet the sales contract requirements. The other lenders said that they had competing rates but could not process the loan quickly enough at that point. I did not return the mortgage application at that time, but continued with the property inspection. On XX/XX/XXXX I e-mailed XXXX XXXX and said that the contract may not precede contingent upon the sellers agreement to make specific repairs. XXXX, XXXX : On XX/XX/XXXX I informed XXXX XXXX that the repairs in question were major. On XX/XX/XXXX XXXX XXXX loan processor e-mailed me that she had not received my signed loan application, but had already sent other documentation to the underwriter. On XX/XX/XXXX I replied to XXXX XXXX and his loan processor that due to inspection related issues there was a strong possibility that the terms of the inspection resolution will not be accepted, which will be the end of the transaction. In the e-mail I state that I had told XXXX XXXX I did not want to proceed with the appraisal until the contract is free of hurdles. On XX/XX/XXXX XXXX XXXX loan processor told me that she canceled the appraisal she had scheduled for XX/XX/XXXX. On XX/XX/XXXX I replied to this e-mail stating that I did not authorize payment to the appraisal company, and that I had forwarded this information to the real estate agent the prior day as she had requested. I had not sent back my signed loan application at that point, and XXXX XXXX did not have my consent to order this appraisal. Despite communicating my wishes to XXXX XXXX to cancel the unauthorized appraisal that he had ordered, the appraiser performed an appraisal on XX/XX/XXXX. Around XX/XX/XXXX the sellers agreed to an acceptable inspection resolution. On XX/XX/XXXX after receiving a copy of the unauthorized appraisal, I e-mailed XXXX XXXX loan processor that the appraisal contained factual errors, and XXXX XXXX called later that day to discuss after reviewing the report. After that conversation I e-mailed a list of the errors on the appraisal and informed XXXX XXXX that my primary concern was the accuracy of the appraisal to justify the high price we were paying for the home. The appraisal listed the home as having several expensive features that the home did not possess. I asked XXXX XXXX to have the home re-appraise and reminded him that the current appraiser proceeded without authorization. XXXX XXXX e-mailed that he had asked the appraisal group to see about getting a revision/correction. Because the unauthorized appraisal was above the price that we had offered for the home, we lost our right to contest the homes value or further counter offer. ON XX/XX/XXXX XXXX XXXX loan processor told me that she was again contacting the appraisal company again, but also needed me to return the signed loan application in order to meet the deadlines for closing. On XX/XX/XXXX I e-mailed her the requested documents, including my signed loan application. I did not return the erroneous GFE but was told I had to sign the truth-in-lending-disclosure that was marked initial back on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX loan processor e-mailed me a response from the appraisal company saying that they will not reconsider another appraisal. I subsequently spoke to XXXX XXXX who stated that nothing more could be done on this matter. Over the next two days I received multiple requests for documentation that I felt I had previously requested. This made me question whether the loan had actually been in the underwriting process as previously stated, or if XXXX XXXX was lying about this and the appraisal process to further entrap me into proceeding. We had to get an extension to the original closing date due to further documentation requests by US Bank. The sellers agreed to the initial extension. XX/XX/XXXX: loan processing delays caused us to miss our extension closing date. The sellers would not agree to another closing date unless I waived my contingencies. XX/XX/XXXX : XXXX XXXX forwarded me a Commitment letter by e-mail. This was the only official loan document that I received from US Bank prior to closing on XX/XX/XXXX. The document said nothing about escrow services, so I believed that XXXX XXXX had performed as agreed and removed this unwanted and unnecessary contingency. XX/XX/XXXX : USB sent the closing company the official closing documents, the documents were not sent to me from US Bank by e-mail or mail. I did not even know the final amount for the proceeds. XX/XX/XXXX : I presented for closing document signatures as described in my complaint paragraph. As described above, XXXX XXXX loan processor told me that she could not correct the errors in the final GFE without returning to her underwriter for the new documents, and that doing this would cause a further delay in closing. She told me that I would need to keep escrow services for twelve months, and then I would be able to waive escrow services without a fee. XXXX, XXXX : A US Bank customer service/escrow representative told me that a fee of approximately {$1100.00} would be necessary in order to waive escrow services. I was told that the fee amounted to an interest penalty of 0.25 %. I told them that I had a no-penalty loan and that this fee was not enumerated in any agreement that I was given or signed at closing. I also told them that I had not been pleased with the accounting of the US Bank escrow department and provided a few specific examples. They told me that I could write or e-mail US Bank a complaint to seek a resolution. I called ( no return call ) and then e-mailed XXXX XXXX for his assistance in resolving this matter that he created. He replied that I should contact customer support. I later called and spoke with XXXX XXXX, he said that he processes so many loans and could not recall the specific details of my loan. XXXX, XXXXPresent : I wrote US bank to cancel my escrow account without a fee and explained how I was lead to believe by XXXX XXXX that escrow services would not be part of my final loan documentation, and that I was further told by XXXX XXXX loan processor after discovering the error at closing, that there would not be any fee associated with closing/waiving the escrow services. This e-mail was received by US Bank, but I did not receive a timely reply, so I contacted customer support. Customer support reviewed my loan history and submitted letter, and determined that I should not have been required to have escrow services, and that escrow services would be waived from my account without a fee. I followed up with US Bank to make sure that this process was proceeding, and it was. I later discovered that the US Bank escrow department overturned this customer service decision and was still demanding I pay a fee. They reported my account as delinquent to the credit bureaus and have caused me significant consumer and personal harm. I have obliged to their process to resolve my compliant, yet XXXX XXXX or US Bank has provided me with no fair resolution options. I was led into this transaction by XXXX XXXX and his US Bank associates and it was not what I expected. I believe that he used bait-and-switch and loan packing methods in order to obtain a large commission on a loan irrespective of my wishes and requirements. I believe he may have illegally authorized the appraisal on my behalf in order to further lock me into his business transaction. I have copies of all e-mails and documents that I have reference in this complaint. | ||||||
| 12/04/2023 | Yes |
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| XX/XX/XXXX Modification scam of US BANK XXXX XXXX XXXX XXXX I have been filing complaints with this bureau since XXXX. This will be the sixth complaint with this bureau since then. My very first complaint was in XXXX. My husband and I became two months behind on our mortgage. My husband and a lawyer went to a local US BANK branch here in XXXX Tennessee, to request a conversation with the branch manager on how we can proceed further and get caught up on our payments. They were told they would never be seen even if they had an appointment. This was XXXX during the recession of XXXX XXXX first term, we were like many Americans, who were facing financial difficulties due to layoffs. And this begins the first of many complaints. Once I started on the modification trail, it did not take me long to realize I needed to research modifications with US BANK due to the way everything was being handled. With my research I still continued to work with US BANK and filed complaints with the consumer finance protection bureau. During this time of my complaints we were finally granted a modification XXXX made our three payments, and then the modification was taken away. Contacted the bank and this branch had no idea why the other branch canceled the modification. And USBANK had admitted mishandled funds of {$2200.00} was applied to escrow shortage error. This error and all of the other complaints that I have made or also errors that were published against US BANK. I can not understand why we were not giving responses and privileges from the errors that have been documented that the bank has done. One major thing that I had constantly been insisting needed to be looked into for our house. One was that our custom built house had never had a single inspection done. Sent in a document from XXXX XXXX commission board, stating where the inspector gave dates of inspections and the dates were all canceled. Also, the statement of everything that was wrong and needed to be repaired and finally stated nothing had been done. Our original mortgage was with XXXX XXXX Bank, they never should have released occupancy for this house. Then our mortgage was with XXXX mortgage and then to US BANK. I sent in documentation between mortgage companies, and as far as I could see, nothing had been signed by us, possible Robo signing. We did everything requested by US BANK for us to do, the Hamp the Harp everything for a modification, and this has continued to today. Since this time in XX/XX/XXXX, a tree fell in her house and did massive damage. So during this time of continuous modifications, the restrictions that US Bank put on for a contractor were unacceptable to nine different contractors. I contacted all contractors stating that US BANK was too difficult to work with, and had a reputation for not paying what was billed. The insurance at the time was XXXX insurance ; they barely gave us money to cover a roof that did not include any of our personal items that were destroyed. Also filed a complaint with XXXX insurance. Also, the air quality company filed a complaint with XXXX XXXX XXXXXXXX XXXX XXXX. nothing was resolved. So during this time mold was created in our house upstairs Where my daughter and I sleep. I hired an XXXX air quality inspector. I sent reports to US BANK and to XXXX. The living facility has mold and no one under the age of XXXX could be upstairs without permanent respiratory issues. The bedroom that had the most damage still does not have a ceiling And has been mice infested. Also sent in a report from XXXX to both entities. In XX/XX/XXXX we hired XXXX XXXX for their legal services. For over 11 months they have been working with the bank and with us for the sole purpose of getting a modification. The Legal team experienced the same issues as I have since XXXX. The positive thing with the legal service is that they stayed in touch with US BANK and when US BANK would request information and many times the same information repeatedly, they would be on top of it instead of the bank mailing it to us and we receiving it weeks later, many times missing the deadline that they requested for the information to complete request for modification. During the month of XXXX, we finally had a complete packet for a modification, and received the letter from US BANK that they had a complete packet. Within two days received another letter saying they would not grant a modification. The modification scam has been very true since the very beginning I have stated with the bureau, the findings of other lawsuits for the modification scams, and Im going to reiterate them again. 1. US BANK vs. XXXX. The New York judge ruled to put an end to their modification scams, and ruled in favor of the plaintiff. XXXX. Secular vs US BANK, NO, XX/XX/XXXX of XXXX, case number XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX. they failed to pay their mortgage payments for over XXXX years. On appeal the XXXX agreed they do in fact have XXXX standing to bring the wrong foreclosure claim to US BANK and they can not foreclose. Because they were alleged issues with the assignment of the deed of trust, the statute of limitations under which US BANK could not bring its foreclosure claim to pass. They were not in default because of alleged loan modification, the judge rule and in favor of the plaintiff. 3. XX/XX/XXXX report number XXXX, exact same filing for loan modification due to illness. Repeatedly asked for the same information denied for some reasons either signature or date in wrong place, date not correct or the notary, notarized in the wrong place. All of the above we have also endured. 4. XX/XX/XXXX, judge rules against US BANK in mortgage modification suit, for XXXX XXXX. 5. XXXX XXXX vs US BANK, Case number XXXX, XX/XX/XXXX. The same as the above modification scam. Judge ruled in favor of the plaintiff. XX/XX/XXXX Modification scam of US BANK Consumer Finance Protection Bureau I have been filing complaints with this bureau since XXXX. This will be the sixth complaint with this bureau since then. My very first complaint was in XXXX. My husband and I became two months behind on our mortgage. My husband and a lawyer went to a local US BANK branch here in XXXX Tennessee, to request a conversation with the branch manager on how we can proceed further and get caught up on our payments. They were told they would never be seen even if they had an appointment. This was XXXX during the recession of XXXX XXXX first term, we were like many Americans, who were facing financial difficulties due to layoffs. And this begins the first of many complaints. Once I started on the modification trail, it did not take me long to realize I needed to research modifications with US BANK due to the way everything was being handled. With my research I still continued to work with US BANK and filed complaints with the consumer finance protection bureau. During this time of my complaints we were finally granted a modification XXXX made our three payments, and then the modification was taken away. Contacted the bank and this branch had no idea why the other branch canceled the modification. And USBANK had admitted mishandled funds of {$2200.00} was applied to escrow shortage error. This error and all of the other complaints that I have made or also errors that were published against US BANK. I can not understand why we were not giving responses and privileges from the errors that have been documented that the bank has done. One major thing that I had constantly been insisting needed to be looked into for our house. One was that our custom built house had never had a single inspection done. Sent in a document from XXXX XXXX XXXX board, stating where the inspector gave dates of inspections and the dates were all canceled. Also, the statement of everything that was wrong and needed to be repaired and finally stated nothing had been done. Our original mortgage was with XXXX XXXX Bank, they never should have released occupancy for this house. Then our mortgage was with XXXX mortgage and then to US BANK. I sent in documentation between mortgage companies, and as far as I could see, nothing had been signed by us, possible Robo signing. We did everything requested by US BANK for us to do, the XXXX the Harp everything for a modification, and this has continued to today. Since this time in XX/XX/XXXX, a tree fell in her house and did massive damage. So during this time of continuous modifications, the restrictions that US Bank put on for a contractor were unacceptable to nine different contractors. I contacted all contractors stating that US BANK was too difficult to work with, and had a reputation for not paying what was billed. The insurance at the time was XXXX insurance ; they barely gave us money to cover a roof that did not include any of our personal items that were destroyed. Also filed a complaint with XXXX insurance. Also, the air quality company filed a complaint with XXXX XXXX XXXXXXXX XXXX XXXX. nothing was resolved. So during this time mold was created in our house upstairs Where my daughter and I sleep. I hired an XXXX air quality inspector. I sent reports to US BANK and to XXXX. The living facility has mold and no one under the age of five could be upstairs without permanent respiratory issues. The bedroom that had the most damage still does not have a ceiling And has been mice infested. Also sent in a report from XXXX to both entities. In XX/XX/XXXX we hired XXXX XXXX for their legal services. For over 11 months they have been working with the bank and with us for the sole purpose of getting a modification. The Legal team experienced the same issues as I have since XXXX. The positive thing with the legal service is that they stayed in touch with US BANK and when US BANK would request information and many times the same information repeatedly, they would be on top of it instead of the bank mailing it to us and we receiving it weeks later, many times missing the deadline that they requested for the information to complete request for modification. During the month of XXXX, we finally had a complete packet for a modification, and received the letter from US BANK that they had a complete packet. Within two days received another letter saying they would not grant a modification. The modification scam has been very true since the very beginning I have stated with the bureau, the findings of other lawsuits for the modification scams, and Im going to reiterate them again. 1. US BANK vs. XXXX. The New York judge ruled to put an end to their modification scams, and ruled in favor of the plaintiff. 2. Secular vs US BANK, NO, XX/XX/XXXX of XXXX, case number XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX. they failed to pay their mortgage payments for over seven years. On appeal the XXXX agreed they do in fact have Prudential standing to bring the wrong foreclosure claim to US BANK and they can not foreclose. Because they were alleged issues with the assignment of the deed of trust, the statute of limitations under which US BANK could not bring its foreclosure claim to pass. They were not in default because of alleged loan modification, the judge rule and in favor of the plaintiff. 3. XX/XX/XXXX report number XXXX, exact same filing for loan modification due to illness. Repeatedly asked for the same information denied for some reasons either signature or date in wrong place, date not correct or the notary, notarized in the wrong place. All of the above we have also endured. XXXX. XX/XX/XXXX, judge rules against US BANK in mortgage modification suit, for XXXX XXXX. XXXX. XXXX XXXX vs US BANK, Case number XXXX, XX/XX/XXXX. The same as the above modification scam. Judge ruled in favor of the plaintiff. The consumer finance protection bureau was created to protect American Families from financial abuse. XX/XX/XXXX the Supreme Court versus consumer finance protection bureau, that funding is unconstitutional, because the bureau gets its money from the federal reserve, which is in turn, is funded by bank fees. We have kept fighting for this house that we custom built in XXXX. Unfortunately, we are like many Americans who fail in the financial crisis during the recession of XXXX. The abuse of the modification scam of US BANK. has taken a terrific toll on my family. During these times, and we have reported over and over the health issues, my daughter and I went to a XXXX XXXX XXXX, and he confirmed we are allergic to mold, which is included in all of my complaints. I personally have health issues going from XXXX, I am still under care of a vein surgeon, for deep vein, thrombosis, and a hematologist. It is such a shame that this bureau has allowed this abuse to continue with my family since XXXX. It all could have been resolved after the first two months. We have shown good faith, that we want to work with the bank. We have shown that we want to keep our home, and this is still true today. But when is this modification scam of US BANK going to be brought to light and Justice prevail for my family. All of the stress and everything that US BANK has put us through? All of my complaints since XXXX have been proven to be fines for US BANK. But for some reason our house has not reached the benefits that other families have. It should be under the statute of limitations time for this US BANK modification scam with our family to be made in favor of our family and provide the deed to the house. So many years of abuse, and non-addressed issues that USBANK have been fined for. Sincerely, XXXX XXXX XXXX | ||||||
| 08/03/2018 | Yes |
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| This will be the 3rd attempt I have attempted to resolve this issue on two previous complaints opened through CFPB. On both previous occasions the complaints were closed out stating that I was not the authorized account holder. This was presumably because my 1st name is listed on my as my legal name ( XXXX ) whereas the complaint was submitted in my AKA name ( XXXX ) which is known to the branch and US bank in general. All other details - Last name, Account Number, Address were correct. On 2nd occasion I received a letter to call on my branch to have me added as an account holder ( to my own account ). The branch however could find no way to add me to the account twice to satisfy the request in the letter received. Areas of US bank continues to amaze and provide a high level of reassurance that they know what they are doing! Details of the two previous complaints submitted are below : Complaint XXXX Submitted XX/XX/XXXX Complaint XXXX Submitted XX/XX/XXXX While the amount fraudulently removed from my account has been returned. US bank continues to not disclose information I have repeatedly requested both through my branch who have been exceedingly polite and helpful as well as through CFPB. The two points that remain to be adressed are : 1 ) Provide details or information on how the incident occurred. 2 ) Provide assurance that my accounts with US bank are safe. The transcript of the last complaint submitted is below and the letter received from US bank attached. Submitted XX/XX/XXXX : -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX I submitted a complaint ( XXXX ) to the CFPB regarding the incident documented below. Today XX/XX/XXXX I received a notification that the complaint submitted by the CFPB to US bank was rejected because apparently the person who submitted the complaint is an unauthorized party. Given I am the owner of the account and I submitted the complaint via the CFPB, this is not true. From the time I submitted the 1st complaint to now, US bank has returned the {$4500.00} removed from my account. They however have not adhered to their policies of notifying me of status by corresponding with me in 10 business days. They continue to not provide information surrounding the incident and are unable to provide any level of explanation as to whether accounts held with US bank are safe. They continue to refuse to deal with me as the account owner even through a complaint lodged through the CFPB. Original incident reported XX/XX/XXXX : On XX/XX/XXXX while reviewing my checking account on line, I noticed a transaction to the amount of {$4500.00} processed for payment using XXXX money transfer service to an unknown person - XXXX XXXX. I immediately called US bank customer service and reported this was an unknown transaction and while on the line I was advised that the transaction had just occurred within past 40 minutes and that it is possible it could be stopped. While on the call with the representative, I was informed that she was contacting the fraud department to advise. After a short delay, she returned saying that it was not possible to stop the transaction. She advised that a fraud incident would be submitted and that she would place an immediate freeze on my account. When pressing for more information, I was advised that since this transaction appeared to have been made using my wife 's login credentials, she would need to call in to get more details. Despite advising that my wife did not have login credentials for this account which is a business account, they insisted that these credentials were in existence and consequently she needed to contact US bank directly. That once she called in they would release the information which she could not share with me. I was also advised to call on my branch and have a new account set up as the current account was frozen. I immediately contacted my wife and asked her to call the customer service number I was provided and provide them whatever information was needed and request further details of what transpired. She called immediately only to be told that they could not verify her identity over the phone and that she should visit a branch. She then within less than an hour called on a US Bank branch located on XXXX XXXX, XXXX Colorado and explained the situation and was referred to a personal who then called US bank fraud department in her presence. The banker at the branch verified my wife 's identity and she then spoke with a representative in the Fraud Department. She requested more information but was unable to have the person she was speaking to provide any further information. It was revealed at that time that the date of birth which US bank had on file was incorrect and this was what prevented them being able to initially verify identity. She was advised that a Fraud investigation would need to be conducted and a response would be provided by mail in 10 business days. No further information could be provided. She then in the presence of the personal banker at the branch, called me to advise that they would not release further information. She asked the banker at that point to speak with me. At that point the banker said to me she had spoken to their fraud department and that there was no additional information to share. She advised that once the investigation was concluded in 10 days, they would send a letter with findings. At this point, I was again advised to call on a branch and have my account closed and a new account opened. On XX/XX/XXXX, I with my wife, called on my local branch of US bank located In XXXX on XXXX XXXX, XXXX, Colorado. I spoke with a member of the banking staff - XXXX XXXX and explained the situation advising that there were 2 issues that needed addressing. The 1st confirming my original account was indeed frozen and that a new account needed to be established, the 2nd being addressing the absence of any intelligible information around the fraud incident reported. XXXX XXXX immediately contacted US Bank fraud department and spoke to a party there, and attempted to ascertain what had transpired. He was unable to provide any additional information except to say that it was my wife 's credentials that were used to commit the Fraud. When I explained to him that my wife did not have any login credentials for the business account, he advised that these were credentials established when we had a joint personal Home Owner Line of Credit, checking and savings account. I advised him that that account had been closed some time ago and that these credentials, while not known to my wife at the time the account was active, should nevertheless have been cancelled anyway as the account was closed and in addition never associated with my company account. He advised that there was little he could do and that the issue was being investigated, and we would be informed of the outcome in 10 days. At this time, I expressed concern that other login credentials may exist on my account and requested that the account be checked in the presence of my wife and I. During the process we advised of the incorrect birth date on US banks systems, to which he offered to correct. At this point we were shown the computer screen of her personal details and were shocked to see that they had unknown email, and mobile phone number on my wifes profile. A photo of this screen was taken for my records. At this point we requested that no changes be made, and this be preserved in to ensure it would interfere with their Fraud investigation. We asked that all login credentials for the account apart from 3 be locked or cancelled. Several stale/old/unknown Login IDs were identified and removed. XXXX confirmed that all was in order and that we would hear from US bank in 10 business days.We subsequently set about opening a new bank account, transferring most of the cash from the old account into the new. We also cancelled credit cards and debit cards and initiated process for reissuing new ones as a precautionary measure. On XX/XX/XXXX I submitted an online query on status of the Fraud incident reported, and as of XX/XX/XXXX had not received a response. I consequently called into the Fraud department number ( phone recording available ) only to be advised that there was no open fraud incident. The the incident reported was closed on XX/XX/XXXX as the incident occurred with my wifes credentials and she need to report it. That no further details could be provided given to me given this was for my wife to address. I explained that we had been through all this and that my wife had been communicated with earlier, in the physical presence of a banker while talking to fraud department. I further explained that this account, in any case was owned by me and that my wife should not have login credentials associated with it. The agent again said that since this was a fraud incident involving her that she would need to call in. I advised my wife was with me and she could speak to him now and do whatever he now felt necessary. My wife went through his verification process after 1st informing him that her birth date details on their system are likely incorrect. He requested telephone number we were calling from and for her to login in get last transaction details. She advised she has no login credentials but that I was logged in, and we provided him the details of the last transaction as requested. He successfully verified her and went about informing her that there was no Fraud incident opened and that all he could do was open one now. Exasperated she provided details requested and disconnected without further dialog. Shortly after this call, ( approx. XXXX ) I contacted my US Bank branch from my cell phone ( no recording ) and explained the situation to XXXX XXXX , the banker who had assisted us on XX/XX/XXXX at our branch. I expressed my totla amazement at the response and my dissatisfaction to how this was being handled. He confirmed that when he helped us in person on XX/XX/XXXX, all was in order and that the matter was being addressed. He expressed that he felt the representative my wife and I had spoken to did not have complete details and he would call to find out what the status is and get back to me. XXXX later called back ( recording available ) and advised he had escalated the situation, and it was now back on track. He was not able to provide any further details apart from advising that the amount of {$4500.00} will provisionally be returned to my account. I asked him whether the incident had in fact fallen through the cracks and incorrectly closed out. He was not able to confirm but did say that it had been impacted by this being my wifes credentials and they were waiting for a contact from her? I asked explicitly whether they had no record of my wife 1st calling in on her own and then later in the presence of 2 bankers ( 1 being him ). He was not able to provide any explanation or detail of this. I again stated that I believe no action is being taken and stated as the owner of the account they are obliged to communicate with me. I expressed my dissatisfaction that they had likely compromised my account through a breach on their side and were now evading taking action to rectify. I reminded him that I had discovered this fraudulent transfer within 40 minutes of it occurring, and that XXXX being a person to person transfer service, it should have been exceedingly easy to identify who the amount was transferred to ( or at least the bank account ), and to reverse or cancel the transaction. Their procrastination and incompetent handling in acting on this is was unacceptable. He advised that we should wait for the {$4500.00} to be reversed into my account and the official notification letter to be sent. A week or so later on XX/XX/XXXX at approx XXXX, My wife received a voicemail to call XXXX XXXX at US bank. When she called approx 20 minutes later she was asked a series of questions surrounding the incident. ( Recording Available ). The questions XXXX set about asking sounded very much like questions asked when reporting a Fraud Incident. She answered the questions and disconnected at approx XXXX. Later on the same day I saw that XXXX called and left VM for me as well to call him. Called and talked through a series of questions and scenarios. ( Recording Available ) On XX/XX/XXXX after still having not been contacted by anyone at US bank for 12 days with missing funds still not being returned and no letter received, I called my Branch and left a VM for XXXX XXXX the banker who has been assisting us. XXXX returned my call at approx. XXXX to advise he had heard nothing and also confirmed that funds had still not been returned to my account. He advised he will contact the responsible person in their Fraud Department to solicit status. While XXXX has been exceedingly helpful this situation is clearly not being adequately addressed despite his efforts. I feel that US bank is mishandling this incident for going on 1 month and evading acceptance of responsibility. They initially closed out the fraud incident 1st reported despite all efforts to conform with their requests. They have failed to provide a information, reversal of funds or a letter after 10 days of reporting despite this being their policy. It is clear that while we have attempted to report this matter on multiple occasions they are not addressing the situation at all. Photos of computer screens along with voice recordings of phone calls are available if needed. | ||||||
| 01/05/2024 | Yes |
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| Recently I found out my bank account was WAY in the negative, in that instance I went down to the bank to speak to them about HOW THIS COULD BE POSSIBLE ? She looked up my account and kind of snickered when saying," you made many purchases and transfers and forgot huh?" She says shes going to print me a copy of the recent transactions so I could "be reminded". In an sarcastic tone she asks if I make transfers to my XXXX from that account? I said yes of course. She says why did you continue if there wasnt money to cover it? I told her XXXX will not let you add to your XXXX account if the funds are not available in the US bank account. It would say " insufficient funds we are unable to complete transaction" so naturally, one would assume everything is normal. She told me on XXXX XXXX I "opted in to overdraft coverage" . Quickly I cut her off and told her I absolutely had not!!! Matter of fact when I opened the account with them, going over all of the details I EXPRESSED INDEFINITELY that I DID NOT want coverage for overdraft protection, so much was stressed on that SPECIFICALLY that the agent would absolutely remember that if she were to ask him. He no longer works for them, she said. I explained to her I never have, never will nor do I even BELIEVE IN having overdraft protection, I was raised that if you dont have the cash to pay for it, you dont need to borrow or get credit for it, basically you dont need it!! I told her I was guilty as many do on occasion, of clicking XXXX a few times to get through the popups in the app but surely it couldnt have been so easy to accidentally add a feature or extra service?! Matter of fact WHY DIDNT I GET A TEXT telling me a "change was made to my account" ? She checked my phone settings, my app settings, and her system on both ends and had a puzzled look on her face while saying," It says you receive text messages updates...hmm I dont know." I wanted to know what other changes had been made to my account in the past year that I didnt know about, she couldnt seem to answer that question. She asked me why dont I check my app and bank account everyday and I told her I wasnt aware that I HAD TO, let alone did I know anyone that did EVERYDAY. At that point they were getting ready to close, I started losing my composure and tears started running down my face which seemed to annoy her even more. I told her when I went to my mailbox and seen my unemployment check inside, I at that point questioned the funds that were being used on my transactions, ( a few days prior I had spoke to XXXX about my new address and changing to direct deposit, in which I assumed since it had taken so long to receive, had been returned and funds were no longer being sent via paper check as I had requested). Her coworker came over and whispered to her ," Make a note to talk to the manager about this situation tomorrow and have him call her at least, just help her out... and follow up with the manager..." Reluctantly she did. Next day the manager calls me and after no more than 2-3 min of me explaining, he told me there was nothing they could do at the branch, he said I needed to call customer service and proceeded to give me what i later found out to be the XXXX XXXXXXXX XXXX !!! When the lady in that department apologized and didnt know why he would give me that number (because she actually listened to entire recap) she gave me customer services correct number. They told me I needed to speak with the XXXX XXXX department, gave me the number and transferred my call. Too many callers and to save my place in line and they would call me back at my phone number. XXXX The lady that called me back was saying the same thing, that i opted in and she cant do anything and it looked like the lady at the bank opted out for me that prior evening, so there wont be any more overdraft fees from then going forward. Also that I am allowed to dispute only 1 overdraft service fee PER MONTH!!! At that point I asked to speak to a manager/her supervisor and waited for her to finish another phone call, approx 15 min. At first she was very pleasant and understood my issue. I told her that i didnt believe the lady from the bank, signing up for new services is usually a hassle and a bit more than a few pages of signing an agreement of some sort to which cant possibly be done just by a pop up that I closed when using the app ... She then said she was going to try to go thru the process on the app herself to see how easy (or hard) it was to "opt in". She reassured me that yes, in fact, it was more than just 1 page to fill out and all info had to be entered as if you were a new customer...etc. and that there was no way I could have accidentally opted in to overdraft protection by x-ing out of some simple pop ups, and that it was very clear throughout app that you were signing up for added services. Her whole demeanor at that point changed towards me. She became very short and with an accusatory tone treated me like a XXXX!! As I thought she and I were closer to being on the same page as far as a process of elimination on how this could have happened, she told me that basically there was nothing more to be said and that I had until XXXX XXXX XXXX XXXXto pay them back" the amount that was in the negative to "repay" what was covered by them with the "overdraft protection" I had NEVER ASKED FOR nor was EVER TOLD ABOUT that ANY RECENT CHANGES even occurred on my account. I sort of snapped at her and said that I have never heard of any bank or even credit union that would even offer THAT MUCH OVERDRAFT coverage; maybe something around $XXXX if that, but c'mon almost $XXXX And not a call, text of a warning (until I brought it to their attention) about being in the negative, for half a month?! Including several overdraft service charge fees that they told me ONLY 1 PER MONTH CAN BE disputed but I HAVE UNTIL XXXX to do XXXX! I WAS IN SHOCK that this is how they treat customers. That was the extent of her help to figure out where and what went wrong??? XXXX. I said they needed to escalate this to higher personnel because I didnt feel she was going to help me look into this any further and with the feeling she implied I WAS TRYING to get over on the bank, I asked to speak to her boss, and she replied "she was the boss"!! At that point of frustration, the only thing I could think of was telling her I was going to see them in court because they cant possibly do this to people and get away with it. Now im in shambles because of the XXXX bills, rent, and after being a victim of XXXX XXXX a few years ago, I am finally getting back to a decent credit score that I have been working so hard on repairing.... and now this? I feel that my hands are tied and I am running out of time to figure out another possible solution and/or how to hold them responsible for what has happened? I have barely any savings left to pay my full rent and I am lucky to have an understanding, patient landlord as the month is already over but this is completely overwhelming to even focus on what to do on a day to day basis. PLEASE advise me on this matter AS SOON AS POSSIBLE. Thank you for your time and consideration. --------------------------------------- attempt to solve with bank Pt.2 To Whom It May Concern: Yesterday I made another attempt to figure out my US Bank account issues, similar to a couple weeks ago. This time I tried a different approach: I called to dispute a reoccuring charge from a merchant- okay no problems there, solved almost instantly. When she asked if there were anything else I needed to resolve I quickly told her yes and proceeded to ask if she could explain what the "overdraft fee" and "overdraft fee forgiven" items that were listed in early XXXX meant? I told her I have NEVER seen the word "overdraft" anything and figured it must be some sort of mistake and perhaps that is why "...fee forgiven" was the very next transaction?? She said oh ok well, if it were a merchant charge, she could help me. But because it was the bank that posted it, she would transfer me to that department. Just like before after telling them Id like them to look further into the understanding of who, what, where and why's, they couldnt waive any overdraft fees. I told them to escalate it to the supervisors supervisor and was put on hold. She came back to the call aside her supervisor and continued to tell me they were working on making adjustments to the account in order to "remove overdrafts". She truly seemed to understand me as well as her supervisor, and for a little over an hour I remained on a "silent hold" (standby). They seemed to be optomistic in helping me resolve the issue and were very apologetic at this time. Eventually out of nowhere, THE CALL DROPS. XXXX. So I call back and after a short verification ask if it were possible to find out who I had just been talking to with the supervisor right beside her and she told me she might or at least find noted info since it had been escalated to manager attention. She transfered me to XXXX in which wasnt who I was previously speaking to but was the one who pushed and searched and tried and really put in the effort for the next hour and a half. While she waited for manager response, she really listened to me and to the best of her ability cross referenced, checked prior notes, looked into history, log-ins, etc. The managers XXXX response was that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told her her manager was just feeding her XXXX to satisfy the call but I asked her to think for herself if that made any sense based off of what even she knows about XXXX personally. After a minute passed she continued to talk with her boss via messaging, and all I could hear was XXXX typing very fast, as if to argue the matter on my behalf! I said that makes no sense because XXXX has never had a problem in the past saying NO to me when trying to add funds from my linked US Bank account, even when I asked for XXXX more than was available in my checking, they would immidiately tell me "insufficient funds bank institution declined". Why all of a sudden, sometime in early XXXX, did that randomly change without warning?? She continued the back and forth with her boss and I suppose when all responses had been countered, her boss told her to transfer the call to her and she would handle it. I sincerely thanked her and agreed to do the survey regarding her quality of customer service (only after making it clear that it has to do with how good she was NOT usbank!) Oh no, she just said she was transfering the call to who???!!! Turns out its the same manager XXXX I spoke to last time, which only made the conversation more bias and her attitude arrival in mere seconds into the discussion. Again she talked over me continuously throughout the duration of our call. I simply wanted her to own up to her management responsibilities and find out just WHO she could refer me to that had authorization to make decisions and changes necessary to satisfy customers requests on their accounts?? I still got the same answer from her as last time. Scripting from her default employee manual reference guide: " I am sorry XXXX XXXX there is nothing more I can do for you, and at this time if you fail to bring your account out of a negative balance by XXXX XXXX, we will close your account without any further discussion and it will go against you as a charge off". I dont know what or who to contact at this point that can dilligently help me solve my account issues. CEO? Chairman? Do I need to find a lawyer? File a police report? Contact CFPB? Write to AG XXXX XXXX XXXX I just cant stand customers getting bullied by financial institutions that are not being accountable for misleading, misuse, unethical practices, just to turn it around on the customer as if they are at fault. Taking advantage of customers that CHOSE THEM as the bank they wanted to protect their money and assets, giving a too-soon-to-pay-off deadline FOR CUSTOMER to pay for funds THEY FRAUDULENTLY manipulated before closing the account, doesnt even mathmatically, let alone ethically nor even morally serve as a posibility. In her passive yet sarcastic tone, the fact that there wasnt any route to take to try to solve my problem, no one else to contact, it was clear she was not going to admit that the BANK VIOLATED our agreement, the terms and conditions of A SIGNED CONTRACT when I opened the account having set the perameters of said account were CHANGED WITHOUT MY CONSENT is unlawfully astounding to me. How can they get away with such intentional criminal conduct when they are the "parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States having nearly XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time, once again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logging into online access I found that all of my security alerts and account changes via text notifications had been COMPLETELY TURNED OFF. When I set up the account I set all of my settings to my liking and never had a problem receiving texts as my alerts. | ||||||
| 02/04/2022 | Yes |
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| On XX/XX/XXXX, I went to the closest U.S. Bank with the intent to inquire upon a new checking account. After arriving at XXXX, I was told the bank 's branch does not talk about opening up new accounts after XXXX. I was then told, I would have to come back the following day. So, I made an appointment. After arriving that following day at my scheduled appointment time of XXXX, I then sat down with a banker by the name of XXXX XXXX We went over various account options that the bank offered, as well as what specific options would potentially be the best option for what I needed. XXXX ( the banker ) proceeded to explain that if I was to " open a very particular checking account ( by that day ), I would receive a promotional bonus of {$400.00} ''. Due to this promotional bonus being offered and me being told it was " the last day to sign up for that promotion '', I decided to go with that particular account on XX/XX/XXXX. In order to meet the qualifications for the bonus that was being offered for my new checking account, there were a few contingencies that I needed to meet. First, there was a threshold of {$1500.00} that needed to be directly deposited from an employer into that specific account. Secondarily, the deposited amount needed to be completed by no more than 2 transactions. Lastly, that {$1500.00} ( or more ) needed to be deposited into that checking account within 90 days from when the account was first opened. For me, that qualifying date was XX/XX/XXXX. So as long as I was able to successfully retain all XXXX said qualifications, I should have met the threshold for the {$400.00} promotion. A month had gone by, and ( full disclosure ) I waited a month to begin the process of having my paycheck allocated into the U.S. Bank checking account. Particularly because, I was confident in being able to meet the threshold of the {$1500.00} requirement by the required date ( XX/XX/XXXX ). After sending in the relevant paperwork, I then called into U.S. Bank to make sure all necessary paperwork was received & being processed ( if not already finalized ). I was assured by numerous employees ( including numerous senior management staff members ) of U.S. Bank that my paperwork was received and this specific promotion ( for my checking account ) was already successfully activated. I was then told by the U.S. Bank representative, " all you have to do is begin your direct deposit from your employer ''. By XX/XX/XXXX, I had a total amount of {$1500.00} that was deposited into account. Thus, meeting the necessary qualifications for the promotional bonus. I called into U.S. Bank to reassure everything was being processed properly on my accounts behalf, and to confirm that I did in fact supersede the qualifying amount to receive the promotional bonus of {$400.00} for my checking account. At this time ( again ), I was reassured by numerous tiers of management and entry level staff members that my promotional offer was successfully being processed and I only had to wait for the internal system of U.S. Bank to generate the promotional bonus. The representative proceeded to explain that it was because the promotional offer is processed autonomously, and that's why the money had not yet been applied to my account. Another two weeks go by, and by this point in time I've now had {$2900.00} in total be deposited into my U.S. Bank checking account. Please keep in mind that these two weeks in addition to XX/XX/XXXX, equates to XX/XX/XXXX. That particular date is 90 days from when I first opened my checking account. Which means I had almost doubled the necessary denomination needed to successfully qualify for the promotional bonus of {$400.00}, and only within 3 payments. Any 2 of the 3 paychecks that were direct deposited, should have been more than sufficient to qualify for the promotional bonus. On XX/XX/XXXX, I call into U.S. Bank to re-confirm that all necessary requirements have been successfully met to receive my promotional bonus of {$400.00}. I ( again ) receive a re-confirmation from numerous tiers of management and employees that all say the same thing. I merely have to wait for the internal system of U.S. Bank to autonomously generate the promotion of {$400.00} into my checking account. There wasn't anything that anyone could help me with further the process, I was again told I simply had to wait. Another 7 days goes by, and now I'm looking for tangible confirmation from the company about this alleged bonus that I opened my checking account for. So I went to the U.S. Bank location that's closest to my house during XXXX week to find out what was going on. Especially because, that location was the specific branch I opened my checking account with. The address for that particular branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. XXXX week, I was able to meet with the banker ( XXXX XXXX who opened by checking account on XX/XX/XXXX. I was ( again ) overwhelmingly reassured that the promotion was slightly delayed because of an " internal issue '' that U.S. Bank was experiencing ( explained by XXXX, as well as his colleagues ). The representatives from said location, continued to explain two things to me. I simply, needed to wait for U.S. Bank to systematically generate the promotion before the disbursement was deposited into my checking account. I was then told, " If you don't see the {$400.00} promotional amount in your account by early XXXX, please let us know and we will take care of it ''. Another three weeks go by, and it's now XX/XX/XXXX. Specifically 4 months after I opened my account, 6 weeks after I qualified for the alleged ( {$400.00} ) bonus that was promised to me upon the opening of my account. However, I still had not received any promotional bonus from U.S. Bank. So I decided to call U.S. Bank on the XXXX number that's provided for U.S. Bank customers. From there, I was able to connect with an incredibly pleasant representative from U.S. Bank. This particular phone representative from U.S. Bank was so kind, she offered to try and call the branch that opened my account and find out the details of what the problem was. I was placed on hold for 2-3 minutes, before she then comes back on the phone with " great news ''. The phone representative explains that she " was able to connect with XXXX '' ( the in-person banker who opened my account on XX/XX/XXXX ), and she had confirmed the details in relevance to my checking account that I was calling about. She ( the phone representative ) went on to say " Both XXXX and I looked into the details of this matter, all you have to do is wait ''. Another conformation, in addition to the dozens I had already received from both in-person and over the phone from senior account staff members. Again, being continuously told " there's nothing else that can be done, all you have to wait for U.S. Bank to internally disperse the promotional bonus ''. On XX/XX/XXXX ( at XXXX ), I again called into U.S. Bank because of not having received any promotional bonus into my checking account. Please keep in mind, the bonus was the only reason why I decided to open this account. I waited for about 5 minutes before a representative for U.S. Bank by the name of XXXX gets on the phone. Him and I had spoke for a little over 30 minutes about anything in relevance to my account, including ( but not limited to ) : why I opened the account, what the promotion was supposed to be, and how we could rectify the problem at hand. XXXX then put me on hold, and kindly comes back on. He then says, " Sir, I'm incredibly sorry. You unfortunately do not qualify for the promotional bonus because the timeframe is 60 days ''. If we could please pause for a moment, I'd like to mention one thing. If any U.S. banking representative had explained to me the necessary timeframe to qualify for the bonus was 60 days ( even though I confirmed DOZENS of times with numerous U.S. Bank employees it was 90 ), I could have very easily re-directed funds for direct deposit to begin sooner with my U.S. Bank account. All I had to do was print a sheet from my bank, and give it to my employer. So at this point time, I kindly said to XXXX " I believe what you're saying to me and that what you're reading may be true, but I hope you can please understand how confusing this is after the dozens of confirmations I've received that state the opposite ''. XXXX kindly replied, " I can definitely understand where you're coming from, let me get a supervisor on the phone to see if they can help us out ''. A person by the name of " XXXX '' now gets on the phone, almost 36 minutes into the phone call. Doesn't introduce himself, or say his name at all ( without me having to continuously ask numerous times ). In an abrupt and condescendingly rude manner, this alleged " senior account manager '' says " tell me why you called ''. I began to explain why I called to " XXXX '' and I was almost finished, before I had the most appalling moment of my life as a professional within the service industry. I feel I should mention, I've been fortunate enough to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and numerous other regions around the world. Throughout my journey, life has given me an endless amount of unpredictable circumstances within the customer service industry. This one " takes the cake '' by far, and it involves a heavy set of violations within banking regulations and consumer protection laws. All by the 5th largest banking corporation in America, that happens to be 70 % owned by XXXX ( XXXX ). A little under 8 minutes in to this " conversation '', the " senior account manager '' by the name of XXXX became aggressively loud and incredibly provoking in the most uncomfortable of all ways. He shouted " I've listened to you talk the entire time, and YOU are DONE talking ''. This " senior staff member '' of U.S. Bank continued to act belligerent, grotesquely unprofessional, and condescending in the most unpalatable ways of all possibilities, Especially under the banking practices and regulatory laws in the United States. After this went on for over 2 minutes, I kindly asked him ( in quite literally, my kindest and most patient of all ways ), if I could " please pause you for just one moment, please. I just have a question ''. XXXX 's reply " NO. NO. NO, I don't think so. You don't get to talk anymore. I've listened to you talk enough ''. Those are literally, XXXX 's exact words. The conversation went on to me trying to play a " waiting game '' with this " senior account manager '' at U.S. Bank. I would try and wait for him to finish talking, and I'd begin to bring something up that I was attempting to ask. However, this alleged " senior staff member '' would continue to immaturely interrupt me in a purposeful manner. I'd again try and wait to correspond or ask a question, and he would immediately begin to purposely interrupt me. Every time. He would continue to aggressively tell me " I've listened to you talk enough, you don't get to talk anymore ''. Mind you, this is all coming from a " senior staff member '' of the 5th largest banking corporation in America. What happened to being polite? Having etiquette or ethics? Or, at least treating a human with decency? U.S. Bank put a carrot in front of my face, and explained what I had to do in order to receive said carrot. When I did everything that was asked of me, U.S. Bank is now being unfair, and being profoundly misleading about what was initially promised to me upon the opening of my checking account. U.S. Bank is falsely stating, the initial terms that were set and agreed upon are significantly differentiated. Not possible, considering the waves of phone calls and in-person meetings with supervisors and senior account banking managers that I had ( on recorded phone lines ). Along with U.S. Bank falsely stating the terms and conditions to be differentiated from what was initially agreed upon, I was screamed and yelled at like 7th grader " senior account manager '' when I was trying to have an adult conversation with a company who controls money for the citizens of the United States. Unfortunately, it was factually impossible because of moral turpitude and a severe lack of professionalism within the senior account management team. I was put through over 2 months of tasks and duties that were required of me to be done, in order to receive a promotional bonus from U.S. Bank. I completed the required tasks that had been asked of me, only to be scammed, mislead, and deceived. U.S. Bank was only concerned about taking my money into their depository of U.S. Bank corporate headquarters. This entity unequivocally has no interest in following through on their promise that was used as an illegal bait & switch tactic to increase overall customer accounts, as well as fraudulently increase their accounts receivable. Another company that cares about the bottom line, more than their customer. It's difficult for me to understand how the 5th largest banking corporation in America fails to perceive the importance of quality customer service. Without the customer, there wouldn't be a bottom line for any company. | ||||||
| 06/25/2023 | Yes |
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| Im not complaining that XXXX XXXX and Elan Accountant Services did anything wrong. Yet. I am sending this form simply so I can document all of the following. To XXXX XXXX and Elan Account Services: Unfortunately, I can no longer feasibly pay you anything. This situation is indefinite. My accounts with you have already been in default with you for a while. The little bits of money Ive been sending you for the past couple of years were just my sign of good faith to keep the accounts semi-alive so you wouldnt lose your Statute of Limitations to collect it. Right now, I need to cling to any spare cash I have and I need to use it to pay any lawyer I can find to help me. Several of my other creditors has thrown laws, Federal regulations, consumer privacy, and courtroom decency to the curb. And OH BOY, do I need to fight them to save my own life. This debt that I owe to you IS my fault in legal terms, but it ISNT my fault in all realistic practical terms. What Im about to copy and paste will elaborate on that whole issue. All of my other past-due creditors have dropped out one by one from their various violations. I can barely pay you guys enough as it is, but Im not paying ANYTHING if youre going to break the law. As far as I can tell, XXXX XXXX and Elan Account Services are my last two good ones. This will be probably be the last contact you hear from me until either I win some massive legal lottery, or Im in the process of declaring bankruptcy. Im PRAYING youll understand and you wont turn into the ugly, scary, overwhelming monsters several of my other creditors have turned into. If you need to contact me for anything, PLEASE PLEASE PLEASE only put it in writing. You have my current home address and my personal XXXX address. Thank you. Below is the complaint I sent to XXXX XXXX through the PA Attorney General and the CFPB on Friday night, XXXX XXXX If nothing else, please just read it and consider it in all of your future legal decisions. XXXX REPORT STARTS HERE: XXXX XXXX is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. XXXX has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around XXXX. If nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX years old living off social security. I live almost paycheck to paycheck with a little wiggle room of a few hundred dollars each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX car, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades. Part 1 of my complaint. The following things Im going to say are NOT something Im blaming XXXX of doing. Ill just try to provide some context to how things arrived at their current state. Dad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX, stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX, where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current XXXX XXXX went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!) Dad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a XXXX to me! The Michigan probate attorney who originally handled the process in XXXX, XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to every probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney Grievance Commission later in XXXX, XXXX wrote a long-winded legalese response to the Commission where he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX XXXX my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it! Heres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX) that was messing with my car GAP insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later. I can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX Police are involved. When we got to around XXXX XXXX in the car insurance fiasco, XXXX started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved. I have an uncle on moms side who died from XXXX at the end of that year. He was a XXXX XXXXXXXX XXXX. Thats a GREAT association thats always going to be on my mind! Somewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate. For the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking about THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it! My family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by about $50, AND triggered the GAP insurance fiasco at XXXX XXXX). Ive got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX. Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone. Part 2 of my complaint. The following thing Im going to say IS directly related to XXXX, and its where the suspicious part of my complaint comes into play. This is a recap of the past six months alone: In XXXX, someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a rewards credit card at XXXX XXXX in my name. In XXXX, someone fraudulently DID open a rewards credit card at the same bank and mailed it to me. In XXXX someone tried to open an online deposit account at XXXX XXXX XXXX. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXX account. Ive been working with the local XXXX XXXX police for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom. Last month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX Today (XXXX), XXXX comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office. When the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it. What I would like as a resolution: My main goal in submitting this complaint is just say XXXX, please chill out. Ideally, it would be a You leave me alone, you get your stuff off my credit reporting, and we just never do business again type of resolution. But just a simple Please chill out will work for right now. I would LOVE to wake up tomorrow with just a $XXXX balance on everything, and if I still wind up in the same spot another seven years from now, at least Id know its totally my fault this time. But I realize a consumer complaint against XXXX alone is never going to accomplish that. XXXX XXXX: If youre reading all of this, and youre taking everything Im saying into consideration, and you still really want to do this legal thing on XXXX XXXX thats just going to lose some money for you and possibly KILL me, then I guess my final words to you are: See ya there. I dont know what else to tell you. Other parties involved in this complaint: Im sending the same report against XXXX to the Pennsylvania AG and CFPB. I will be contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police next week to update him about the XXXX XXXX XXXX XXXX problem. I will call XXXX XXXX XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here. | ||||||
| 05/19/2023 | Yes |
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| US Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2023 Branch visit complaint Inbox XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX, XXXX, me, XXXX I am bringing to your attention that branch client relationship consultant XXXX XXXX refused to help me per other teller gave I'll-advised and discretions to charge me {$7.00} per page from XXXX XXXX XXXX in order to disputes on my unauthorized charges to my checking account and charging me for effective communication and accommodation fee before they allow to assist me. I have filed U.S. Bank internal and Consumer Finance Bureau on this follow up ongoing issues. I was upset and this is uncalled unacceptable. They are putting me in this jeopardy taking away my rent money and my bills needs to be paid today end of XXXX business day. Also they refused accept my deposits also. XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX, XXXX, me, XXXX I'm heading to meet up in your regional office to ask for you to help me with my account. Be there around XXXX. XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as there are three individuals in the TO line on this email I need to ask, Is this directed to Myself? XXXX XXXX, I am more than willing to assist sir, but I am a Regional Manager in Mortgage and not directly connected to the Retail Banking centers. My Partner at U.S. Bank, XXXX, is the District Manager of Retail Bank Branches, and possibly the correct person to talk to. I say possibly, as you do not reference which Retail Bank Branch you were in and had this issue. If she is not the correct District Manager, she can surely help get you there. I am more than willing to assist, my phone, cell is below sir. XXXX XXXX XXXX Vice President | Mtg Regional Retail Mgr NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX | XXXX | usbank.com From : XXXX XXXX XXXX Sent : XXXX XX/XX/2023 XXXX XXXX To : XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Subject : [ EXTERNAL ] Re : US Bank Branch XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2023 Branch visit complaint [ WARNING ] Use caution when opening attachments or links from unknown senders. I'm heading to meet up in your regional office to ask for you to help me with my account. Be there around XXXX. On Mon, XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX wrote : I am bringing to your attention that branch client relationship consultant XXXX XXXX refused to help me per other teller gave I'll-advised and discretions to charge me {$7.00} per page from XXXX XXXX XXXX in order to disputes on my unauthorized charges to my checking account and charging me for effective communication and accommodation fee before they allow to assist me. I have filed U.S. Bank internal and Consumer Finance Bureau on this follow up ongoing issues. I was upset and this is uncalled unacceptable. They are putting me in this jeopardy taking away my rent money and my bills needs to be paid today end of XXXX business day. Also they refused accept my deposits also. XXXX XXXX XXXX account ending XXXX U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX me Thank you for your response. I thought the regional us bank office here in downtown XXXX I just got here at XXXX and XXXX XXXX in lobby to get branch manager to reach regional manager on my behalf. Thanks. XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that's the one I'm reach branch manager XXXX XXXX XXXX get her in touch with regional manager on my behalf and to resolve my account. XXXX XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to help. I tried calling you and left a message. Are you available to call me at XXXX? XXXX XXXX XXXX XXXX - U.S. Bank Vice President XXXX XXXX XXXX XXXX XXXX XXXX | a. XXXX | XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, me, XXXX XXXX XXXX XXXX XXXX XXXX I have talked to XXXX XXXX a team member at the branch you are at, she shared XXXX is currently with another customer. XXXX is able to assist and print your statements for you. Please reach out to me directly if I can assist additionally or throughout the interaction this morning. Thank you, XXXX XXXX XXXX XXXX - U.S. Bank Vice President XXXX XXXX XXXX XXXX XXXX XXXX | a. XXXX | XXXX Mail Delivery Subsystem XXXX XX/XX/2023, XXXX ( 3 days ago ) to me The original message was received at XXXX, XXXX XX/XX/2023 XXXX XXXX from XXXX [ XXXX ] -- -- - The following addresses had permanent fatal errors -- -- - XXXX ( reason : XXXX # XXXX Address rejected. ) -- -- - Transcript of session follows -- -- - ... while talking to XXXX. : XXXX XXXX To : XXXX <<< XXXX # XXXX Address rejected. XXXX XXXX XXXX... User unknown XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX me I just got your message. I tried to find right location regional office us bank and seems that I'm at wrong location. Cab just drop me off. Do I need to go to right location at right address? Or whatever? Your teller you talk to. We can work it out here. Thanks. XXXX XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are able to go back into the branch at XXXX XXXX XXXX XXXX XXXX XXXX would be happy to assist with printing statements for you and no need to travel to an additional location. If while in the branch, you would like me to speak directly with the team member please have them call me or I can call them as well. I am hopeful we are able to assist and work to resolution. Thank you, XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : me I'm trying to clear my disputes account to get immediate provisional credits because I need to be paying my rent and storage bill due date is today. Instead of taking 3 to 10 business days to hit back to my account. I'm losing my home and belongings if I don't pay my rent dues. Please help me out. Thanks. XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/2023 at XXXX Subject : US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Branch visit complaint To : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I'm trying to clear my disputes account to get immediate provisional credits because I need to be paying my rent and storage bill due date is today. Instead of taking 3 to 10 business days to hit back to my account. I'm losing my home and belongings if I don't pay my rent dues. Please help me out. Thanks. XXXX XXXX On Mon, XX/XX/2023, XXXX XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX XXXX, I would like to help. I tried calling you and left a message. Are you available to call me at XXXX? XXXX XXXX XXXX XXXX - U.S. Bank Vice President XXXX XXXX XXXX XXXX XXXX XXXX | a. XXXX | XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/2023 XXXX XXXX To : XXXX, XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : [ XXXX XXXX XXXX : Re : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 Branch visit complaint [ WARNING ] Use caution when opening attachments or links from unknown senders. Thank you for your response. I thought the regional us bank office here in downtown XXXX I just got here at XXXX and XXXX XXXX in lobby to get branch manager to reach regional manager on my behalf. Thanks. On Mon, XX/XX/2023, XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, as there are three individuals in the TO line on this email I need to ask, Is this directed to Myself? XXXX XXXX, I am more than willing to assist sir, but I am a Regional Manager in Mortgage and not directly connected to the Retail Banking centers. My Partner at U.S. Bank, XXXX, is the District Manager of Retail Bank Branches, and possibly the correct person to talk to. I say possibly, as you do not reference which Retail Bank Branch you were in and had this issue. If she is not the correct District Manager, she can surely help get you there. I am more than willing to assist, my phone, cell is below sir. XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Pronouns : He/ Him/ His O : XXXX | M : XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com From : XXXX XXXX XXXX Sent : Monday, XX/XX/2023 XXXX XXXX To : XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX B XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2023 XXXX XXXX complaint XXXX WARNING XXXX Use caution when opening attachments or links from unknown senders. I'm heading to meet up in your regional office to ask for you to help me with my account. Be there around XXXX. On Mon, XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX wrote : I am bringing to your attention that branch client relationship consultant XXXX XXXX refused to help me per other teller gave I'll-advised and discretions to charge me {$7.00} per page from XXXX XXXX XXXX in order to disputes on my unauthorized charges to my checking account and charging me for effective communication and accommodation fee before they allow to assist me. I have filed U.S. Bank internal and Consumer Finance Bureau on this follow up ongoing issues. I was upset and this is uncalled unacceptable. They are putting me in this jeopardy taking away my rent money and my bills needs to be paid today end of XXXX business day. Also they refused accept my deposits also. XXXX XXXX XXXX account ending XXXX U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Send XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX, XXXX, XXXX, XXXX Please do call us hopefully trying to figure out XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I wanted heads up that I spoke with US Bank. They are working on my debit card and checking account. Please allow give them time and be able to pay my rent on or about this Friday XX/XX/XXXX. Thank you for understanding and patience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to me Thank you! XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX : XXXX | ||||||
| 06/16/2018 | Yes |
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Web | |
| I received the {$100.00} XXXX Debit Gift Card # XXXX on XX/XX/XXXX. ( SEE ATTACHMENT ). It was a XXXX gift to my son and myself from our dear friends XXXX and XXXX. At that time, I confirmed the balance amount of the card to be {$100.00}. I registered the card online. This original card and PIN # paper have been in my posession since I received the card as a gift back in XX/XX/XXXX. I had never used the card. The card has never left my posession. It is now XX/XX/XXXX. On XX/XX/XXXX, I called the # on the back of my card to check the balance of my card. The system confirmed the balance was {$100.00}. I still had the card and PIN # paper in my posession. I had not yet used the card. The card has never left my posession. On XX/XX/XXXX at approximately XXXX PST, I called the # on the back of my card to check the balance as it had been a few months since I confirmed {$100.00} was on the card. I was planning to take my son shopping for shoes and again, wanted to confirm funds were there before taking my son shopping. I entered the 16-digit account # on the front of the card and waited to hear the balance. The automated system said the balance was " XXXX. '' My heart dropped to the floor. I could not believe it since the card said it had {$100.00} balance, so I called the balance inquiry # again. Again, it confirmed the balance of the card was " XXXX. '' I immediately patched through to speak with a representative and got " XXXX '' on the line. I explained the issue -- that I went to check my balance on my gift card ending in XXXX, and that it was supposed to be {$100.00}, but is now " XXXX. '' I explained to her that I received the card as a XXXX gift in XX/XX/XXXX, confirmed the balance at that time, registered the card, never used it, confirmed the balance again on XX/XX/XXXX, but now apparently the card has a " XXXX '' balance. She put me on hold for about 5-7 minutes, came back and said she could not help me any further, that the account and card were " locked and under review. '' I asked why was it under review ( when I am the original card holder and had just confirmed the balance a few months ago but have never, ever used it ), who locked my card, who's decision was to do this, when did it happen, etc. I asked her how this could happen. She refused to tell me anything further other than it was " under review and the funds can not be reissued at this time. '' I spent the next 15 minutes pleading with her to tell me something - that I am the rightful owner of the card, I received it as a gift, I had registered and confirmed the balance a few months ago, I have the card & PIN # in my posession & have never used the card yet now the balance is XXXX ( when it should be {$100.00} ). Again, she refused to say anything further and read a pre-written statement of stating the " card is locked and under review. '' I continued to ask to please give me more information - that essentially my card and funds were being " held hostage '' without my knowledge, approval, etc, and why U.S. Bank can do this WITHOUT the original card holder being notified of it happening in the first place. She once again refused to answer any information. I asked to speak with a supervisor. She simply read her pre-written statement again, saying nothing different. I asked for her to leave notes in my file of our phone call, so I could have proof I was calling in to report this about my card. She did not answer and simply read her pre-written statement again. I asked to file a fraud claim. She did not answer and simply read her pre-written statement again. I asked her if the call was being recorded ( as I wanted them to record the call so I could have proof this was happening ) and she stated yes. Once again I tried to obtain additional information - including WHEN the " review '' will be complete, but once again she did not answer and simply read her pre-written statement to me once again. After nearly 20 minutes of this, tears and frustration beyond belief, I said goodby and hung up. That same evening, XX/XX/XXXX, at XXXX XXXX, I called the tel. # on the back of the card once again. I wanted to try to speak with a supervisor. This time I spoke with representative XXXX, who seemed more willing to try and help me versus the rep I spoke with before ( XXXX ). I explained to XXXX what was going on, and that essentially without my knowledge or approval or reason " why, '' my card had been emptied of the {$100.00} balance by U.S. Bank on XX/XX/XXXX and was now in limbo ( ie, locked & under review by U.S. Bank ). XXXX did confirm the card was locked and the account was being reviewed. She seemed more empathetic to me and wanting to help. She stated I could call in to check the status of the card but that she did not know " when '' the review would be done. Furthermore, even though I kept asking, she could not tell me why this happened in the first place. She confirmed that the company had did a " debit adjustment '' on my XXXX gift card on XX/XX/XXXX ( SEE ATTACHED DOCUMENTATION ) and locked the card. I asked why would they do that, as I am the original card holder, the recipient and I have the physical card & PIN # paper in my posession ever since I received it as a XXXX gift back in XX/XX/XXXX. I also told her I have all the account information ( that I accessed my card in my online account ) and essentially, had everything. She did not know " why '' U.S Bank did the debit adjustment on XX/XX/XXXX. Once again, I pleaded for more information, as I was ( and still remain ) completely in the dark why this was happening to me & my card. She offered if I would like to speak with a supervisor. I stated I would and she put me on about an 8 minute hold. Once XXXX connected her supervisor, XXXX, to me, I spoke to him for almost 25 minutes. I once agian explained what was going on, and that I needed answers to why my card is locked, fully emptied of its original balance ( {$100.00} ), under review, and that NO ONE at U.S. Bank will tell me WHY this happened in the first place. XXXX did not give any additonal information, he too, read the pre-written statement XXXX ( the 1st rep I spoke with ) said over and over again on my first call. XXXX only suggested I call in to check the status of the card, and that I could do that each week. I stated why it's even under review in the first place -- why U.S. Bank decided out of the blue to do this to MY card. What was the reason to do this? Who decided it? What are they reviewing? There were NO purchases on this card. There was NO activity on this card. The attached documentation show it was purchased in XXXX XXXX and in XX/XX/XXXX U.S. Bank debited it for the full amount of the original card ( {$100.00} ). I stated the card has been under " review '' since XX/XX/XXXX ( SEE ATTACHED DOCUMENTATION ), and that it is now XX/XX/XXXX, and why, as the original card holder and recipient, that I can not obtain information about my own card. He stated the same pre-written line XXXX first did, that it was locked, under review, etc. I once again pleaded for more information, and that I wanted to immediately file a claim of fraud. He refused, stating I could not do that, stating since the card is " locked and under review '', I would have to wait for the " outcome '' of the review and then at that time ( when the review is complete ), only THEN could I file a claim of fraud if I did not agree with the outcome! Huh??! I once again asked who, why, when, etc this decision was made, that this is my card, I haven't done anything with it or used it, the balance has been completely emptied and that U.S. Bank is basically holding it and my funds hostage. I stated how can U.S. Bank ARBITRARILY do this without me, the ORIGINAL card holder 's knowledge, approval, etc. I emphasized I was stunned, shocked and bewlidered why they could simply empty my card of its original funds ( I personally confirmed ). I questioned who would make such a decision without the knowledge and approval of the original card holder -- ME! I stated I simply wanted to use MY gift card and that they, U.S. Bank, are doing everything they can to prevent me from doing that. XXXX did not give me any further information, only stating that I could continue calling in to check the status of the review, but he could not do anything to or with the card to help me until the " review '' was completed. Since I wanted this call with XXXX ( as well as the calls with XXXX XXXX XXXX ) fully documented, I asked XXXX to please put notes in my account in regards to this phone call ( & told him that there should be notes that XXXX XXXX XXXX took as well ), because I wanted proof that I tried on 3 different phone calls to obtain information and help from U.S. Bank regarding my gift card, and that they are, essentially road blocking me and refusing to help me, the consumer. After almost 25 minutes on the phone with XXXX, my child at this point was begging me to put him to bed since it was late. I could no longer stay on the phone with XXXX who was not giving me any further information nor allowing me to file a claim of fraud. U.S Bank has been and remains to block me from obtaining information about my gift card. I am stunned they can arbitrarily decide to take MY gift card, debit the original funds ( {$100.00} ) and lock it so they can " review '' it -- for exactly what? I am the owner of the gift card. I have the gift card in my posession. I was a XXXX gift! No one told me ANYTHING other than it is locked and under review. WHO had the authority to do that in the first place? Was this card fraudulent in the first place? Did U.S. Bank knowingly sell " bad '' pre-paid gift cards and now they are allowing possible criminals to convince them to " lock '' carwds from rightful owners so the thieves can obtain the funds? What else could it be? What other company would do this to a consumer? There was {$100.00} on my gift card. I have the physical card & PIN #. The card is in my posession. I have NEVER used this card and went to use it for the first time on XX/XX/XXXX, but clearly could not! How are they allowed to do this, CFPB, and hold my funds and refuse to help me? They are a gigantic, national corporation who does not care about the consumer, nor trying to help them. They purposely put up road blocks so the rightful OWNER of the gift card - ME - is completely shut out of THEIR funds! What happened to my card that they decided to lock it, empty the funds and " put it under review? '' Why would this happen in the first place? Is U.S. Bank selling pre-paid gift cards that can be compromised possibly by other parties ( than the rightful owner themself ), and when the rightful owner tries to file a claim, obtain more information, obtain their funds, use their own card, get ANSWERS, U.S. Bank simply gives excuses , road blocks and NO help to the rightful owner -- me??! It is clear they do not care about the cosumer. They don't care that I am the rightful owner and have had the card since the day I received it. They refuse to talk to me any further. This is beyond wrong and most likely illegal in so many ways. How can they stay in business, CFPB? How can they do this to the consumer? All I want is my rightful gift card back and to shop with my son. I am beyond upset and sickened they took my gift card account #, locked it, and emptied it from its original balance of {$100.00} for NO apparent reason. I was not told. I was not notified. I was not asked. WHO did this? Why would I, the rightful owner, be locked out of my own card? Why does U.S. Bank refuse to help the consumer?? I am attaching ALL documentation for the CFPB to review and forward to U.S. Bank. I am willing to sign an affidavit stating this is my card and that I received it as a gift, and that I have never, ever used it. Please, CFPB, help me. I am nothing but a lone consumer trying to fight for what is rightfully mine. U.S. Bank is a huge corporation lthat clearly does not care about helping me, a single mom, simply trying to use her OWN gift card, for her son. They clearly do not care about answering my questions, giving me information, or trying to help me in resolving this huge issue that this has now become. I am once again in tears and crying. I am beyond upset about this and now my poor son is too. I ask you CFPB, for you to please help me resolve this issue. I simply want back what was gifted to me and my son back in XX/XX/XXXX -- my {$100.00} XXXX Debit Gift Card # XXXX. Thank you for your help, CFPB. You are our last hope to resolve this issue. | ||||||
| 01/26/2021 | Yes |
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Web | Older American |
| On Saturday, XX/XX/XXXX I received a letter from U S Bank dated XX/XX/XXXX ( See attached ) stating with no explanation that three ( 3 ) of my accounts were being closed. I was shocked. On XX/XX/XXXX I called the XXXX Customer Service Center listed on the letter and that I have been familiar with and used for several decades. XXXX transferred me to XXXX in the Fraud Department. I read the letter to him, he stated it could be one of two things, a server maintenance generated letter or a phishing attempt. At that time he stated my accounts are not being closed, recommended I keep the letter and I could go into a local branch. I expressed due to the current state of Covid-19/Corona Virus and as a senior citizen I wasnt trying to go into public places as much as possible. XXXX assured me that as of right now accounts are secure and not being closed. Tuesday, XX/XX/XXXX I spoke to XXXX XXXX at the U S Bank branch at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA regarding the letter. She said to give her until the end of the day and she would call me back. Wednesday, XX/XX/XXXX I called XXXX XXXX again since I didnt hear back from her, she stated she was waiting to hear from the back office and would call me in an hour. I expressed I was curious and concerned why I received the letter in the first place. When she called me back, she stated the back office account closure department said accounts were being closed and she did not have any further information. I asked for a contact name, she said the person didnt give her a name. Thursday, XX/XX/XXXX I called the XXXX Customer Service Center and was transferred to the Fraud Department and spoke to XXXX who stated it looks like my account is in good standing. XXXX then transferred me to XXXX who then transferred me to XXXX the call switched to XXXX, OR. XXXX works with checking accounts and stated he doesn't see anything like that, why it would be closed. He can confidently say all the accounts are perfectly fine, can assure you that there aren't any restraints on the account. If they were doing emergency servicing/closures for Fraud, there would be restraints. Whatever may have transpired to initiate a letter, it was resolved naturally. He can confidently say everything is okay. Thursday XX/XX/XXXX my daughter called me to say that her account, which is linked to my accounts, was closed. She informed me that on XX/XX/XXXX she sent her sister, {$100.00} and tried to send {$260.00} right after and XXXX XXXX denied it. She stated she figured they thought it was fraud sending funds back to back. She thought XXXX XXXX declined it. Later that day she went to the gas station and the card declined again. The bank representative said they thought it was fraud in her account. In her words she stated, I verified I was indeed making the transactions and they cut the card back on. XX/XX/XXXX Called U S Bank XXXX, IL branch where my account was opened. That branch is now closed. XX/XX/XXXX after receiving the above information from my daughter, I again called the XXXX Customer Service Center number and spoke to XXXX. She can't confirm why they ( accounts ) were closed. No notes are on the account. She has never seen anything like this. No accounts are transferred to other accounts. She checked around to see why accounts are closed. She was unable to bring me up in closed accounts. There is a way to reopen the account. She forwarded all the information I gave to her and is checking with XXXX XXXX XXXX on how to reopen all accounts. After checking with Supervisor XXXX, she stated we would have to go into a branch. She did locate the banker that closed the account in Risk Management who won't be available until Monday, XX/XX/XXXX. XXXX recommended that I go into one of the branches and let one of the tellers know. Most departments are closed today. She gave contact info : XXXX Risk Management ( Ohio ) Hours XXXX M-F. XX/XX/XXXX I called the XXXX Customer Service Center again based on being uncomfortable with the situation of having my accounts closed for no reason and feeling that each day was going to make the situation worse my annuity could not be automatically deposited from OPM ( Office of Personnel Management ), no access to funds to pay my upcoming due bills that I always pay on time, no access to funds to make transfers of payments to another external Federal Credit Union and the great inconvenience this has caused. XX/XX/XXXX I spoke with XXXX in Customer Service who stated there are a few reasons why an account could be closed - Inactive - bank should give disclosure reason. He looked to see if any notes are given, and put me on hold to check if he can see notes. He looked to see just what's going on with the account. When he returned, he informed me that U S Bank decided to close the account. XXXX stated what you can do is open a new account. U S Bank decided to end the relationship with this account and cited a document I should have received when the account was opened. Monday the branch opens. On Monday when you call contact the Fraud Liaison center can ask why account was closed down. XXXX gave contact information : XXXX Hours XXXX CST Sun-Sat ; First time XXXX handled a call like this, wanted to make sure he checked into everything. XX/XX/XXXX Called U S Bank branch at XXXXXXXX XXXX XXXX XXXXXXXX, no answer. XX/XX/XXXX I spoke with XXXX in Risk Management, XXXX. XXXX stated XXXX XXXX at XXXXXXXX XXXX XXXXXXXX, MO, an analyst in the CDDO closure team closed the account. He put a hold on it, took it off hold, then deleted, he closed the account. Nothing on the account tells her why. XX/XX/XXXX Called XXXX XXXX, XXXX, call went to voicemail, left a message for him to return my call. XX/XX/XXXX I went to the branch at XXXX XXXX XXXX XXXX. where I had spoken on the phone with XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. When I arrived at the bank to be there before it opened at XXXX, there was a notice in the window stating the branch was closed and directed customers to the U S Bank XXXX XXXX branch. I drove to the XXXX XXXX branch, waited in line, and talked at the window to XXXX XXXX, Assistant Vice President Branch Manager. I told her someone closed my accounts and that I spoke to XXXX in Risk Management as stated above. Informed her I called the number on the letter that I was familiar with and had used for decades. I also stated I did not call the other number listed on the letter because I wasnt familiar with it, and when I XXXX it, that number had both references to Scams and a valid U S Bank number. She suggested I call that number. I went back to my car and called in the parking lot. I spoke with XXXX at XXXX He stated U S Bank has the right to close the account. Neither him nor a manager, or customer service - no one will be able to advise why my accounts were closed. No one has a reason. I told him that is totally unacceptable. He does not have the reason that decision was made. Told him I spoke to XXXX in Risk Management this morning who informed me XXXX XXXX XXXX closed the account. XXXX stated one person does not have the ability to close an account, it's a team. I asked him a question, young man, if you had an account for almost 40 years, had a government/annuity check deposited, paid rent, gas, groceries, occasional purchases for grandchildren and one day for no reason your account was closed, what would you do. He stated he understands, and couldn't help any further. Told him I believe it could be an honest mistake and asked what should be done. He said it would take a member of the branch, depends on the situation, to have it cleared away. The branch can send an email if indeed this was a mistake that was made. He doesn't know if it can be cleared away. I asked him if he could email XXXX XXXX at the XXXX XXXX, Ca location and that I was sitting in my car in the bank parking lot. He agreed to email her. I went back to speak with XXXX XXXX, she received the email, asked me to give her some time to check into it and she would contact me. NOTE : To date, she has not contacted me. XX/XX/XXXX Called XXXX XXXX at XXXX Call went to voicemail, left a message stating the call was an emergency call for me. XX/XX/XXXX Called XXXX XXXX at XXXX ( direct ) Call went to voicemail, left a message that it was an emergency regarding my accounts. XX/XX/XXXX Called XXXX XXXX at XXXX ( direct ) a second time and left a message. Called XXXX ( branch ) recording stated theyre not taking calls, no option available to record a message. XX/XX/XXXX Called XXXX, XXXX answered call spoke with him again and asked to speak to a manager. He stated again, him neither his manager had no way to rebuttal. We dont have a way to assist with that decision to close. I told him I dont know where my funds are, and have had to scramble to find other ways to get rent and bills paid. He stated any remaining funds would be sent to address on file. He offered the email address for the manager of the Outreach Department XXXX. I asked what does CDDO mean its the Customer Due Diligence Outreach Department. XXXX offered me to include his name, XXXX XXXX, Outreach Analyst in the email. I asked, based on other representatives not calling me back or responding, will he ( manager ) respond back to me and how soon would I hear from him. He stated the manager is good at getting back to customers. XX/XX/XXXX Emailed XXXX XXXX, XXXX, CDDO Department XX/XX/XXXX Received a letter dated XX/XX/XXXX stating my U S Bank Visa card is being closed 30 days from the date of letter. ( See attached ) XX/XX/XXXX Received three ( 3 ) checks from accounts. XX/XX/XXXX Called Customer Service, spoke to XXXX and explained in detail the letter dated XX/XX/XXXX, multiple calls, visits to U S Bank with one branch that I communicated with someone on XX/XX/XXXX and XX/XX/XXXX and on XX/XX/XXXX that branch had a sign on the door and is now closed, went to XXXX XXXX, spoke with XXXX XXXX who said she would contact me, called her twice with no return call and an email to XXXX on XX/XX/XXXX with no response. XXXX messaged managers to see what's going on. After a brief hold, XXXX sent/transferred me to Recovery Area XXXX ( no manager name given ) in the Recovery Loans and Lines Department. XXXX, Repayments Department, XXXX cut me off several times and transferred me back to the Customer Service Department in a very unhelpful manner. XX/XX/XXXX ( Same call as above ) Spoke to XXXX, asked him to transfer me to a Manager over a Manager over a Manager. After holding again a recording came on saying hold is four ( 4 ) minutes to speak to another banker. After holding again XXXX answered the call and said there's no way for him to transfer me to a manager. XXXX stated he is sending a " form '' to Manager XXXX XXXX ( initial only for last name ) his Direct Manager in 24 hour banking department. I should receive a response in 24-48 hours. XX/XX/XXXX Called U S Bank XXXX XXXX, IL branch - no answer, branch appears to be closed. XX/XX/XXXX Emailed XXXX XXXX, Manager, CDDO Department a second ( 2nd ) time. No response was received from first ( 1st ) email. XX/XX/XXXX Received an email response from XXXX XXXX that states in part, we now consider the matter closed and will not respond further. ( See attached ) U S Bank dropped the ball with my accounts. Although it may have been an honest mistake, U S Bank doesnt have a consistent Standard Operating Procedure in investigating what could have happened. In checking with multiple representatives, I was told by XXXX in Risk Management that XXXX XXXX at XXXX, XXXX XXXX, MO, an analyst in the CDDO closure team closed the account. He put a hold on it, took it off hold, then deleted, he closed the account. Nothing on the account tells her why. Based on what she expressed, it appears that a biased decision was made without investigating the full gamut of the accounts. Since U S Bank is extensive in employing multiple Customer Service personnel, different individuals wouldnt have a clue whats happening and therefore would leave a strong potential to have a biased approach without knowing what actually occurred with the accounts. Wouldnt a long standing account for over three ( 3 ) decades, belonging to a retired XXXX XXXX, who has had no changes in basic activities monthly deposit from government annuity, debits of rent, gas, credit cards, insurance, groceries and few shopping outings warrant the possibility that someone made a mistake, especially in the midst of a worldwide pandemic? | ||||||
| 11/13/2017 | Yes |
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| After years of being issued checks as payment of child support, first, from my ( our ) issuing county and, then, the Colorado Family Support Registry, around the middle of XX/XX/XXXX, I ( we ) received a notice in the mail from the county Child Support Enforcement saying that checks for child support would no longer be issued and that a debit card would be issued for receipt of all future child support payments. An option to either continue receiving checks or utilize the card that was being sent was not given, as the notice distinctly said that checks were to no longer be issued. Therefore, upon receipt of the card at the end of XX/XX/XXXX, I had no other recourse than to utilize the card that I was sent by the Colorado Family Support Registry, a prepaid ReliaCard, issued by U.S. Bank. Due to child custody issues, in XXXX of XXXX, I was told by a caseworker that I would no longer be receiving child support payments, arrears or otherwise, since my children had been temporarily removed from my custody. Therefore, due to that reason, from that time on and for the next 10 years I didnt even bother checking the U.S. Bank ReliaCard. Then, in XX/XX/XXXX an issue regarding child support with the state of Colorado came about, so I requested my child support payments, disbursement, and distribution records. I received those documents from the state of Colorado the end of XX/XX/XXXX, which consisted of the Colorado Division of Child Support complete payment record, and the Colorado Families Support Registry Automated Child Support Services System, complete ACSES disbursement record. It was at that time I found out that numerous child support payment HAD, in actuality, been direct deposited onto my ReliaCard, by the Colorado Family Support Registry during the years that I had not accessed the card. When I found this out, I immediately got my ReliaCard to check to see if the money was there, but it was expired. It had expired in XX/XX/XXXX, so I had to go through the process of being issued another ReliaCard. When I finally got the new card, I found that there was only a balance of {$100.00} when there had been thousands of dollars direct deposited to the card by the Colorado Family Support Registry and State of Colorado. Upon finding this, I called immediately called U.S. Bank card holder services to ask where the funds were. Upon telling them the dates that the money had been deposited, I was told that they dont keep records that go back that far. To which I replied, since a direct deposit had been made on XX/XX/XXXX, the account was obviously still active and as a financial institution that they should still have those records. I was asked to stay on a brief hold, and was subsequently disconnected. I called the card holder services again, and received a different customer representative, and explained the whole situation again ; however, this time was told that they were not handling child support from the XXXX of Colorado in XX/XX/XXXX, and that they had only started to handle Colorado child support three or four years ago. I told her, That is impossible because I had to get a new card, due to the fact that my other one had expired XX/XX/XXXX. She, too, asked to put me on a brief hold, and, once again, I was disconnected. At that point I knew I was getting the runaround, so in my frustration I waited a few days and called again. Once again, I was told something completely different. This time, their reasons for not having the money is that due to account inactivity the funds were sent back to the Family Support Registry, and that is where the money would be. So, I said, OK, and called the Family Support Registry and asked them if my child support payments had been returned by U.S. Bank ReliaCard, they looked in their records and told me that no money had been returned to them and that the only time money had been there was when they received my actual child support payments, after which, they direct deposited them onto my ReliaCard. U.S. Bank had never returned of the child support they had previously direct deposited. They confirmed that the money would have to be returned to them first, so this is an issue that I would have to take up with US Bank because once the money is direct deposited they no longer have access to the account, that all they do is deposit the funds and the only access they have to child support is for direct deposit purposes unless it is returned to Family Support Registry. She said reiterated that no money had been returned to the Colorado Family Support Registry at any time, however, if any had been returned, upon its receipt, they would have sent it to the Colorado Division of Child Support Services. I told her what was going on with U.S. Bank, so she suggested that I cover all of my bases and get a hold of the Colorado Division of Child Support Services and she gave me the number to reach them. By the time we hung up, it was too late to call so I called the following day. Upon speaking to them, I was told that they had not received any returned child support for me from either the Family Support Registry or U.S. Bank, but when they do receive money it registers at XXXX, and, although, they had not received any returned child support it wouldnt be there, but it wouldnt hurt to check. I wanted to make sure I was on the right track, as I did not want to accuse U.S. Bank of any wrongdoing so I checked, and it just as I had been told would be the case, it was not there. At that point, I had thoroughly investigated U.S. Banks claim that they had returned the monies to the Family Support Registry and found that they had not been forthcoming at all so called ReliaCard card holder services to inform them of my findings and, again, I was given the almighty runaround. I then demanded to talk to someone in accounting and was told that they would be transferring my call at that time ; however, my call was never transferred, it was, instead, once again disconnected. I became so frustrated, as right after that, whenever I would call, I would immediately be disconnected. However, I continued trying to find out what happened to my funds with periodic calls throughout the year, but I still could not get through. Since my phone number is registered with my account, at each time I called it would tell me that the phone number was not associated with any account, and I would get disconnected. Before that time, when I would call and the automated service would say that the number I was calling from is registered with a ReliaCard account and then all of a sudden, it would say that it was no longer registered and it would disconnect me. I went through this for months and it kept doing the same thing, so I looked for other numbers to call on the brochure that came with the new ReliaCard and the account statement I had received after obtaining the {$100.00} that had been direct deposited on XX/XX/XXXX, but each number I called took me directly back to card holder services and I would, thus, end up being disconnected again. Finally, after a year of trying, on XX/XX/XXXX, I was able to maneuver through the menu where it allowed me to enter my card number, and this time automated services asked me if I would like to register my phone number with my account, so I selected the option for yes and re-registered my phone number. I was then sent to a card services representative, to whom I explained the situation. Her response was that she could not access records that far back and that they could only pull records on their screens for the previous 4 years. She said that she would have to submit a request for those records to be sent directly to me. It was at that point that I requested that she connect me to U.S. Banks accounting department, to give me a phone number to call so that I could reach them directly, or to let me speak to her supervisor about this issue. However, she told that they can not do that, that they have to handle these issues themselves and that they could not connect me to anyone else. I then asked that she give me a number to U.S. Banks corporate office and was, again, denied my request, to which she stated, I cant do that. Through the shock of her response, I emphatically told her, Yes you can, I am a consumer, and I am entitled to that information she then proceeded to tell me that the main office was in XXXX, Texas, and that they could not be reached due to the hurricane flooding. I thought that a bit odd, since I had not heard anything about flooding in those areas, she then said that she was going to finish the request for my records, and would be putting me on a brief hold, and would be back shortly ; but, lo and behold, I was disconnected. Due to my anger, I took a moment to catch my breath, and when I called back, although I had JUST re-registered my telephone number with my account, automated services said that the phone number I was calling from was not registered with an account. Luckily I was able to maneuver through the menu again and reached a representative. Since one never speaks to the same person twice, it was a different representative to whom I had to explain the whole situation again. She said that she would submit a request for my account records and would be putting me on a brief hold. My first thought was that I would be disconnected again, but she came back and, at that point, I thought I was getting some cooperation, but upon her return she said that the floor manager told her that the money may not have even been deposited by Family Support Registry because, had it been deposited, due to inactivity on the account, the money would have been sent to back to the state and there would be a flag on the account showing that the money had been sent back. However, there is no flag on the account ; therefore, it was probably not even deposited at all. Stressing that due to the record of inactivity on the account there is no flag and since there is no flag, there was no deposit. That is when I told her, Wait that is wrong, I have the Family Support Registry record of direct deposit right in front of me. I went on to explain that the money had without question been deposited, and that the record I had in my possession came directly from the Colorado Family Support Registry and that it was the Family Support Registry Automated Child Support Enforcement Services System Complete ACSES Disbursement Record. At that time, the representative told me again that, she would be putting me on a brief hold so that she could request the records I had asked for, but this time when she came back, she told me that the floor manager had told her to tell me that I was not authorized to request those records and that the only ones that had the authority submit a request for that information was the Colorado Family Support Registry. I immediately replied that I did not appreciate being given the runaround and that the statement made by her floor manager was absolutely false and that the account is registered in my name, it is my child support, it is meant to come to me for my children, and I have the authority to request any documentation or record that I deem necessary concerning that account. That Family Support Registry is basically a 3rd party that distributes the funds, and has no authority over the account. Thats when I said I was tired of this, this has been going on for over a year, and all of the arrows show that the money is there, the money was never returned to Family Support Registry, it was never returned to the state of Colorado, nor is it at the XXXX website, which, along with no flag on the account, proves that it was never sent back due to inactivity and that the last known record of the money is when the Colorado Family Support Registry direct deposited the funds to my U.S. Bank ReliaCard account and I have that record of proof right in front of me. I am therefore attaching a copy of the aforementioned proof ; and, as can be ascertained from said proof which is in the form of the Colorado Family Support Registry Disbursement Records, the funds in question were without question direct deposited to my U.S. Bank ReliaCard debit card by the Colorado Family Support Registry on the dates and in the amounts shown on therein, but was either never credited to my account or the funds were removed by someone other than myself. | ||||||
| 01/11/2018 | Yes |
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Web | Servicemember |
| From the Desk of XXXX XXXX Private Attorney General XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX and One of People in a Court of Record * XXXX La XXXX XXXX # XXXX XXXX, Ca XXXX XXXX Consumer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX PENDING CRIMINAL INVESTIGATION LAST UPDATE XXXX XXXX, XXXX XXXX : MAGISTRATES, JUDGES, OFFICERS OF THE COURT, PUBLIC SERVANTS ( Any public servant under Oath of Office ) Including all members of Congress, Federal Agents or Military Authorities. & ANY AFFILIATES CONNECTED WITH THE DOCUMENTS RECORDED IN SAID COUNTIES : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX XXXX ALL CRIMES/FELONIES ARE REPORTED TO THE ABOVE PUBLIC SERVANTS IN VIOLATION OF THE FOLLOWING CODES : PENAL CODE 115 FILING FALSE DOCUMENTS PENAL CODE 182 TWO OR MORE COMMITTING CRIMINAL CONSPIRACY PENAL CODE 470 FORGERY ; SIGNATURES OR SEALS ; CORRUPTION OF RECORDS ; INTENT TO DEFRAUD 18 U.S.C. 4 MISPRISION OF FELONY AND 18 U.S.C. 371-CONSPIRACY TO DEFRAUD THE UNITED STATES IF THESE CRIMES ARE NOT PROPERLY REPORTED YOU WILL VIOLATE YOUR OATH OF OFFICE AND ENTER INTO 18 U.S.C. 2381 TREASON RESCISSION OF SUBJECT PROPERTY UNDER CALIFORNIA CIVIL CODE 1688, 1689 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( 3 ) 1689.2 DUE TO ELDER ABUSE, RACIAL DISCRIMINATION AND RACIAL PROFILING ON MORTGAGE CASES ON BEHALF OF CERTAIN BANKS AND THEIR SERVICERS/DEBT COLLECTORS COLLECTING ON TERMINATED TRUST ACCOUNTS WITH THE SECURITY EXCHANGE COMMISSION FEDERAL CONSUMER LAWS CIVIL CODE SECTION 1567. An apparent consent is not real or free when obtained through 1. Duress 2. Menace 3. Fraud 4. Undue Influence or 5. Mistake FEDERAL CONSUMER LAWS CIVIL CODE 1571. 1572. 1573. 1574. 1575. 1576. 1577. AND 1578 FORGERY CALIFORNIA CODE OF CIVIL PROCEDURE 749 AND 749.5 NOTARY VIOLATIONS ; VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( d ) Failure to Discharge the Duties or Responsibilities of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( e ) Adjudged Liable for Damages in Any Suit Grounded in Fraud, Misrepresentation, Violation of State Regulatory Laws or Failure to Discharge Fully and Faithfully the Duties of a Notary Public VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( i ) Act Involving Dishonesty, Fraud, or Deceit with the Intent to Substantially Benefit the Notary Public or Another, or Substantially Injure Another VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( l ) Execution of any Certificate as a Notary Public Containing a Statement Known to the Notary Public to be False Execution of a certificate that the notary public knew contained false information. VIOLATION OF GOVERNMENT CODE SECTION 8214.1 ( o ) Failure to Secure Journal or Official stamp DOCUMENTS IN ORDER Yes No Not Required Comments GRANT DEED XXXX DOCUMENT # XXXX XXXX XXXX XXXX XXXX ESCROW # XXXX TITLE ORDER XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX NOTARIZED AND ACKNOWLEDGED XXXX XXXX, XXXX DEED OF TRUST DOCUMENT # XXXX XXXX XXXX XXXX XXXX TITLE ORDER # XXXX ESCROW # XXXX LOAN # XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$460000.00} ADJUSTABLE RATE RIDER NOTICE OF DEFAULT XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX TITLE ORDER XXXX LOAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. SIGNED BY XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXXXXXX. NOTICE OF TRUSTEE SALE XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX # XXXX TITLE ORDER XXXX LOAN # XXXX XXXX XXXX XXXX SIGNED BY XXXX XXXX VICE PRESIDENT FOR US BANK NATIONAL ASSOCIATION, XXXX. XXXX XXXX XXXX NOTICE OF RESCISSION XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX. TS # XXXX TITLE ORDER XXXX LOAN # XXXX RESCINDING PREVIOUS NOTICE OF DEFAULT SIGNED BY XXXX XXXX XXXX VICE PRESIDENT FOR XXXX XXXX AS TRUSTEE BY XXXX XXXX XXXX XXXX AS AGENT BLANKET ASSIGNMENT OF DEED OF TRUST XXXX DOCUMENT XXXX U.S. BANK XXXX MORTGAGE XXXX : XXXX XXXX XXXX FOR VALUE RECIEVED THE UNDERSIGNED FEDERAL DEPOSIT INSURANCE CORP AS RECEIVER OF XXXX XXXX XXXX XXXX XXXX XXXX. BY XXXX XXXX XXXXXXXX XXXX UNDER LIMITED POWER OF ATTORNEY DATED XXXX RECORDED XXXX IN XXXX XXXX TEXAS IN XXXX # XXXX HEREBY GRANTS TO XXXX XXXX XXXX XXXX SIGNED BY XXXX XXXX XXXX, ASSOCIATE GENERAL COUNSEL FOR XXXX XXXX XXXX XXXX AS RECEIVER OF XXXX SXXXX XXXX XXXX XXXX XXXXXXXX. BY XXXX XXXX XXXX XXXX UNDER LIMITED POWER OF ATTORNEY DATED XXXX RECORDED XXXX IN XXXX XXXX TEXAS IN DOCUMENT # XXXX NOTARY PUBLIC XXXX XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECTS ACTING AS NOTARY PUBLIC XXXX XXXX XXXX AND XXXX XXXX XXXX IN VIOLATIONS OF PENAL CODE 115 FILING FALSE DOCUMENTS IN THE XXXX XXXX COUNTY RECORDERS OFFICE NOTICE OF DEFAULT XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXXXXXX XXXX SUBSTITUTION OF TRUSTEE XXXX DOCUMENT XXXX XXXX XXXX XXXX XXXX TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX HEREBY SUBSTITUTES XXXX XXXX XXXX XXXXXXXX. NOTICE OF TRUSTEES SALE XXXX DOCUMENT XXXX XXXX XXXX XXXX TS XXXX TO # XXXX LOAN # XXXX XXXX XXXX XXXX HEREBY SUBSTITUTES 0 0 SIGNED BY XXXX XXXX AGENT FOR XXXX XXXX XXXX SIGNED BY XXXX XXXX OFFICER FOR XXXX. XXXX XXXX XXXX. NOTARY PUBLIC XXXX XXXX ORDER NOTARY OATH AND ALSO CHECK IF THE SIGNATURE IS A STAMP SIGNED BY XXXX XXXX FORGERY COMMITTED BY UNKNOWN SUSPECT ACTING AS XXXX XXXX IN VIOLATION OF PENAL CODE XXXX FILING FALSE DOCUMENTS IN XXXX XXXX OF XXXX XXXX, XXXX XXXX XXXX CRIMINAL CONSPIRACY, PENAL CODE XXXX INTENT TO DEFRAUD THE PUBLIC The XXXX House United States President Donald J. Trump Sr. XXXX Submitted appointment request on XXXX via The White House website successfully submitted XXXX XXXX Executive Order 13818 THE AMERICAN ANTI-CORRUPTION ACT AND EXECUTIVE ORDER 13818 BLOCKING THE PROPERTY OF PERSONS INVOLVED IN SERIOUS HUMAN RIGHTS ABUSE OR CORRUPTION BY THE AUTHORITY OF PRESIDENT DONALD J. TRUMP ISSUED EFFECTIVE DATE XXXX XXXX, XXXX SECTION 1. ( B ) ( 1 ) CORRUPTION, INCLUDING THE MISAPPROPREATION OF STATE ASSETS, THE EXPROPRIATION OF PRIVATE ASSETS FOR PERSONAL GAIN, CORRUPTION RELATED TO GOVERNMENTS CONTRACT OFLR THE EXTRACTION OF NATURAL RESOURCES OR BRIBERY : OR ( XXXX ) THE TRANSFER OR THE FACILITATION OF THE TRANSFER OF THE PROCEEDS OF CORRUPTION. United States President Donald Trump XXXX XXXX XXXX XXXX XXXX, New York XXXX Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISTRICT REPORTED ON XXXX AT XXXX XXXX SPOKE TO XXXX XXXX XXXX REPRESENTATIVE EXPLAINED ALL THE CRIMES AFFECTING THE ELDERLY, AND HARD WORKING VICTIMS FEDERAL AND STATE CRIMES AFFECTING MILLIONS OF VICTIMS IN MULTIPLE COUNTIES. XXXX XXXX CA MOBILE OFFICE THE XXXX XXXX XXXX RECORDERS OFFICE LOCATED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Spoke to XXXX XXXX and he stated he would send a letter pertaining to the investigation against the State Judges. XXXX XXXX NOTICE PENDING MAILED XXXX MAIL ID # XXXX WRIT OF ERROR TO FORMER XXXX XXXX XXXX XXXX FILED XXXX XXXX, XXXX IN DEPARTMENT 1 AT XXXX XXXX XXXX COURTHOUSE UNITED STATES XXXX XXXX XXXX XXXX PRIVACY ACT COSENT FORM FILED BY XXXX XXXX XXXX XXXX XXXX XXXX DISTRICT IN PERSON ON XXXX XXXX, XXXX AT XXXX XXXX WITNESS XXXX XXXX SPOKE TO XXXX XXXX STAFF ASSISTANT IN GRAND FEDERAL BUREAU OF INVESTIGATION COMPLAINT FILED ON XXXX XXXX, XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED VIA PHONE BY PRIVATE ATTORNEY GENERAL XXXX U.S.C. XXXX XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT VIA PHONE XXXX XXXX SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT 1 AT THE XXXX XXXX XXXX PENDING ( XXXX XXXX ON BEHALF OF THE PUBLICS INTEREST, SECURITY, FREEDOM FROM ORGANIZED CRIME WHICH WAS COMMITTED TO APPROX. 13 MILLION INHABITANTS IN THE UNITED STATES OF AMERICA VIOLATIONS OF RACKETEER INFLUENCED AND CORRUPT ORGANIZATION, MAIL FRAUD, WIRE FRAUD, MONEY LAUNDERING, TAX EVASION, FABRICATION OF FALSE DOCUMENTS, PENAL CODES 115, 182, 470 CCC 2934, 2924 CIVIL RIGHTS, WHITE COLLAR CRIMES FEDERAL BUREAU OF INVESTIGATIONS VIA PHONE XXXX AT XXXX XXXX APPROX.SUBMITTED BY PRIVATE ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Judge XXXX XXXX OJAG XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) DEPARTMENT OF TREASURY SPECIAL AGENT XXXX XXXX XXXX XXXX XXXX XXXX OPEN INVESTIGATION Office of the XXXX XXXX XXXX XXXX XXXX REQUESTING MILITARY ASSISTANCE DUE TO TREASON COMMITTED BY ELECTED OFFICERS OF THE COURT IN MULTIPLE COUNTIES DECLARATION OF STATE OF EMERGENCY AND CIVIL UNREST CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX FEDERAL BUREAU OF INVESTIGATION REPORT SUBMITTED IN PERSON BY PRIVATE ATTORNEY GENERAL XXXX XXXX IN THE UNITED STATES BANKRUPTCY COURT XXXX at XXXX XXXX approx IN THE CASE OF THE DEBTOR XXXX XXXX WHEREIN AS JUDGE XXXX XXXX ORDERED XXXX XXXX BY FORCE IN CONTEMPT OF THE COURT TO COME BACK IN AFTER JUDGE XXXX XXXX WAS DISQUALIFIED BY P.A.G. ESTEVEZ Speaker of the House XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX phone XXXX fax Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX * COURT OF RECORD. To be a court of record a court must have four characteristics, and may have a fifth. They are : A. A judicial tribunal having attributes and exercising functions independently of the person of the magistrate designated generally to hold it [ XXXX v. XXXX, XXXX Mo.App. XXXX, XXXX S.W. XXXX, XXXX ; Ex parte XXXX, XXXX XXXX. XXXX, XXXX, per XXXX, XXXX. XXXX, also, XXXX v. XXXX, XXXX XXXX XXXX, XXXX N.E. XXXX, XXXX ] [ XXXX 's XXXX XXXX, XXXX XXXX, XXXX, XXXX ] B. Proceeding according to the course of common law [ XXXX v. XXXX, XXXX Mo.App. XXXX, XXXXXXXX XXXX XXXX, XXXX ; Ex parte XXXX, XXXX XXXX. XXXX, XXXX, per XXXX, XXXX. XXXX, also, XXXX v. XXXX, XXXX XXXX XXXX, XXXX N.E. XXXX, XXXX ] [ XXXX 's XXXX XXXX, XXXX XXXX, XXXX, XXXX ] C. Its acts and judicial proceedings are enrolled, or recorded, for a perpetual memory and testimony. [ 3 Bl. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX Cal XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2 L.R.A. XXXX ; XXXX v. XXXX, XXXX Ohio XXXX XXXX, XXXX N.E. XXXX, XXXX ] Has power to fine or imprison for contempt. [ 3 Bl. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte XXXX XXXX XXXX Cal XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX L.R.A. XXXX ; XXXX v. XXXX, XXXX Ohio XXXX XXXX, XXXX XXXX. XXXX, XXXX. ] [ XXXX 's XXXX XXXX, 4th Ed., XXXX, XXXX ] XXXX Generally possesses a seal. [ XXXX Bl. XXXX. XXXX ; XXXX XXXX. XXXX. XXXX ; The XXXX XXXX, XXXX, XXXX XXXX XXXX ; Ex parte Thistleton XXXX XXXX Cal XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX L.R.A. XXXX ; XXXX v. XXXX, XXXX Ohio XXXX XXXX, XXXX N.E. XXXX, XXXX. ] [ XXXX XXXX XXXX XXXX, 4th Ed., XXXX, XXXX ] ***Private Attorney General Private attorney general is an informal term usually used today in the United States to refer to a private party who brings a lawsuit considered to be in the public interest, i.e., benefiting the general public and not just the plaintiff. [ 1 ] The person considered " private attorney general '' is entitled to recover attorney 's fees if he or she prevails. The rationale behind this principle is to provide extra incentive to private citizens to pursue suits that may be of benefit to society at large. Another example of the " private attorney general '' provisions is the Racketeer Influenced and Corrupt Organizations Act ( RICO ). RICO allows average citizens ( private attorneys general ) to sue those organizations that commit mail and wire fraud as part of their criminal enterprise. [ citation needed ] To date, there are over 60 federal statutes [ citation needed ] that encourage private enforcement by allowing prevailing plaintiffs to collect attorney 's fees. Attorneys who function as a private attorney general do so without compensation. The statutes permitting a plaintiff to recover attorneys ' fees have been held not to apply when the plaintiff is an attorney. | ||||||
| 04/25/2019 | Yes |
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| On XX/XX/XXXX, I faxed proof of payment thereto US BANK and the CEO back office but only a response thru the CFPB came by way of XXXX in the retail payment solutions department office of the President, this is unacceptable. I requested an affidavit in response by way of the CEO or the Back office only. The Disclosures created by US BANK was newly created well after i signed electronically over three years ago. The Disclosures created by USBANK does not have the full documents i am presenting within this affidavit. Therefore they have the power to alter the said documents presented to the credit bureaus without my knowledge or ever seeing said documents. US BANK at first said they didn't receive or could find the payment now they are alleging that they don't accept the payment format which is US Currency drawn from a US Bank be it Any federal reserve bank or the US Treasury? something is clearly wrong here! USBANK are using the credit bureaus to extort me for federal currency, XXXX dollars or debt IOUs and not the US Currency it says it accepts as payment. The signatures produced by USBANK has produced are forged. For it was done electronically! I have not received any contract documents from US BANK as of XXXX or shortly after the account was opened. What USBANK has produced and presented to the credit agencies/bureaus are fare newly created documents. The originals were destroyed years ago and can not be reproduces as stated by USBank. US BANK says on the back of the coupon statement that you must pay in US Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. The Tender Of Payment is of US Dollars drawn from The US Treasury and or any Federal Reserve Bank located in the United States Of America. TENDER OF PAYMENT : Now no one wants to acknowledge facts of law and the validity therein but if i use a credit or line of credit to purchase items that are property that constitutes property as well. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Due to the fact that the evidence produced by USBANK forged robo signed and newly created well after the original electronic document the debt must be discharged and paid in full by the tender of payment offer made, as they have declined see Law 3-306. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance. 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this. 806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay. . ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity. 807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 809. Validation of debts ( a ) Notice of debt ; contents Within ve days after the initial communication with a con- sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. . ( c ) Admission of liability I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud. 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me. i, XXXX XXXX XXXX Enclosures : Identity Theft Report - I have been on the XXXX list since XXXX XXXX and i am sending you a copy with my XXXX record # blacked out for my protection XXXX. Without US Bank verifying the information with me and correction the errors this is identity theft for none of the tender of payments have been returned to me. Proof of identity Notice to Furnishers of Information | ||||||
| 08/15/2021 | Yes |
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| To Whom It May Concern, As of XX/XX/XXXX, I had been a US Bank Student Credit Card holder since XXXX. I am writing this letter with very serious concerns about several security breeches that happened due to the severe infractions of multiple US Bank employees. Due to their negligence and irresponsible actions, I no longer felt safe to entrust my most private and personal security information with such an incompetent financial institution. I would like to explain what has happened. First, I was having some basic issues logging into the US Bank mobile banking app, so I decided to stop in the local branch. I had previously gone into this branch and a couple of other branches for the same reason, hoping to update my cell phone number to be able to confirm my identity on the app so I would then have full access to my mobile banking account. Each of those attempts had been unsuccessful, but I was willing to try again. I was hoping for a simple and straightforward encounter and at first, I thought it was. The teller who helped me, I believe her name was XXXX, seemed friendly and eager to help with my account. I very clearly explained to her not once, but twice, that I only had the one account with US Bank and simply needed to update my personal contact information. She said she saw another account in their system when she looked up my account and had explained to me that she would create a new account for me with my personal information, submit the form needed and that everything would go through and that I should have access to my account the next day. I was satisfied with that response, so I left the bank and went home. Once home, I was checking my email and noticed I had already received an email from US Bank stating that my personal information had been changed. Upon reading this, I thought she was successful, so I decided to check the app. The app wouldn't even let me get to the login, but that wasn't a red flag yet, because I assumed it was still down because of the maintenance she had been doing on my account. I went ahead and tried to log in online and actually managed to get past my security questions, which was further than I had gotten prior to going in to the branch office. However, once logged in, my stomach dropped because yes, I had access to my account now, however I was truly horrified to realize I had FULL access to a completely different credit card account that was NOT mine! I immediately loaded up my XXXX young children and rushed straight back to the bank, and right before we get there, I called the customer service number on the back of my card and quickly got connected with an agent. I explained to him that I wanted to be issued a new physical card for my XXXX Credit Card with a new number and to immediately cancel my old card to ensure that the other account holder would not be able to use it since our accounts were somehow merged now. He assured me that my old card was cancelled and that my new card would be on it's way within a week or so. I was relieved, thinking maybe this was sorted. Upon arriving at the bank, I immediately went to speak with the same teller to explain that there had been a massive security breech due to whatever she had done to my account, and the other persons account. She then seemed surprised because she thought she had helped me link my two accounts together, which was entirely wrong because, again, I only had one account with US Bank. She then said she just assumed it was mine because the other account holder shared the same name and date of birth as me. I was completely shocked and explained that what she did needed to be reversed immediately and explained that this was a huge breech of security and trust to both myself and this other account holder. She was on the phone with some sort of online banking maintenance and was trying to sort this out before the bank closed. Before I left, she seemed certain that she had resolved the matter and that I would not have any more access to the other customers ' account, nor would she have access to mine. I left because the bank was closed at this point and again, she assured me that everything was cleared up. I got back home and decided I just wanted to have a bit of piece of mind about this whole situation and that I wanted to see for myself that the account was indeed removed from my mobile banking. And to my complete horror again, I still had FULL access to this other account. I immediately called the US Bank customer service number again and after about 10 minutes, I was greeted by an agent who wanted to transfer me, and upon doing so ended up disconnecting the call. So, I again called back and this time I was on the call for 1 hour and 55 minutes. The agent who answered was XXXX, and she was truly the most competent, kind, helpful and understanding agent I worked with. After explaining the wild, shocking, and truly unbelievable experience I had endured to this point, XXXX openly admitted three different times that she was shocked to hear this and that clearly, the " teller dropped the ball ''. XXXX suspected this may have been some sort of fraudulent activity at first because the card was opened in a completely different state, so she transferred me to XXXX ( or XXXX, it was a bit hard to catch his name ) in the fraud department. Upon connecting with XXXX, he explained that the other account was linked with mine because it was opened with the same name, date of birth AND social security number. At first I was horrified, then they put me on a brief hold and XXXX left the call. While waiting to be reconnected, I realized how impossible of an explanation that was. I monitor all of my accounts extremely carefully on XXXX XXXX, and would absolutely have noticed this account if it were opened and used that whole time. Once XXXX answered again, I immediately explained to her how that truly was an impossible explanation and she awkwardly agreed and stated that XXXX was " a bit confused ''. Moving on from this momentary disaster, I pretty much demanded that XXXX inform the other account holder of the incompetencies that had unfolded that day and how she was also affected by such atrocious and irresponsible actions. XXXX told me that she had sent a message to the other account holder asking her to reach out about her account. None of this was even remotely satisfactory to me, so I asked for the most direct line to file a formal complaint about this atrocious experience and violations that occurred and she was very unsure about who to connect me with. She ended up having me on hold for approximately 30 minutes while she went to check with her supervisor because of the " unique circumstances of the situation ''. Once she got back on the phone, she gave me the address to the Office of the President and encouraged I send this letter there. She then connected me with XXXX at Web Support who was going to help me finally separate my account from the other account. After a couple of attempts, XXXX was successfully able to separate my account and I no longer had access to the other account. XXXX said she was going to do the same thing to the other account that she did with mine, so hopefully the other account holder wouldn't be able to see my information anymore. I was thrilled to know that I no longer had any access to that account, but was still very upset to not have actual confirmation that the other account holder couldn't see my information. XXXX then left the call and I explained to XXXX how this was truly such a massive breech of my trust and security and that I no longer felt like I could safely keep my account with US Bank and how I absolutely needed to close my account completely. XXXX was truly appalled and so apologetic towards me and the horrific and time-consuming event this had become. I was then connected with XXXX, the person who could actually help me close the account, and she was successful in closing my account. All in all, from the very first moment I got to the bank until the end of this call, I had spent nearly 5 HOURS of my day trying to sort out this madness. It is most shocking that such a large and successful financial institution could have such poorly trained staff who could allow such MASSIVE SECURITY BREECHES with their clients. I am truly sickened by this whole turn of events. And on a very personal note, I feel that I was truly wronged in this ordeal as well. Due to everything that led to the complete broken trust, I felt cornered into closing my longest standing credit card which has now damaged my credit. That was a horribly painful decision that I felt forced to make. There is nothing that can be done to remedy my credit that I have literally been working at building since the day I opened this credit card nearly a decade ago. To make things worse, which I didn't know would be possible, I received the credit card I had previously requested in the mail for my XXXX Credit Card, however, I also received a US Bank card for the other account holder 's XXXX account! I NEVER requested that! And the agent on the phone never told me I would get both in the mail! I was shocked! So yet another example of poor training, not verifying information, and poor communication on the agents ' behalf. As if this wasn't already bad enough, a few days later, I also received NEW PIN NUMBERS so I could activate and use both of " my new cards ''! This was sickening. So to recap, these are the biggest issues ; First I had an incredibly incompetent teller who didn't do the very most basic steps of her job to verify that my identity XXXX name, date of birth, address, phone number, and social security number ) truly matched the identity of the other account holder. Next, I dealt with a " confused '' teller working with the fraud department who caused me to be very panicked and emotional for a brief time, again due to not verifying information before conveying it to the customer in need of help. Then, I felt forced to close my longest standing line of credit which damaged my credit score. This was so unfair and so upsetting. And on top of everything, to have received not only the credit cards, but the PIN numbers as wellI mean, come on! This is more than negligence! This is poor training and truly unacceptable in every way. And if it happened this easily to me, who's to say these infractions haven't happened to others? Other than better training for your employees, ( which I hope would be a given after realizing the gravity of the true betrayal that the account holder and I have suffered after having put our trust in your financial institution ), I am also requesting that I receive confirmation for the following, IN WRITING ; One, that US Bank has been able to successfully inform the other account holder of these wrong-doings. Two, that she is completely aware that I was also given her credit card AND a PIN number to successfully activate and use that credit card. And lastly, I want confirmation that the other account holder DOES NOT have any more access to any of my personal information in any capacity. I genuinely hope, for the sake of all US Bank customers, that you implement some sort of additional coding into your software that prevents such rookie mistakes from happening to them. I will be filing this letter with the Office of the President, the Consumer Financial Protection Bureau, the Federal Trade Commission, and with my State Attorney General. I hope all US Bank staff can do better in the future. Sincerely, A very upset and disappointed, FORMER customer P.S. Here is another example of the incompetence of US Bank software/employees ; PLEASE NOTE THE DATES OF THE CLOSED ACCOUNT AND THE DATES WHEN THE TWO NEW PIN NUMBERS WERE ISSUED. My account was " closed '' on XX/XX/XXXX, and the PIN numbers were sent on XX/XX/XXXX and XX/XX/XXXX. That should have been more than enough time, given the number of business days that had passed, for my account to show closed and to avoid the card and PIN numbers from ever being sent. | ||||||
| 07/06/2023 | Yes |
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| I am writing this about US Bank and their Cash Rewards Credit Card. I have a checking account with US Bank and credit card. My problems began in XXXX I was traveling a lot, so I had many hotels and rental car companies that were taking some payments and many deposits/holds with my credit card. I usually paid with my debit card but most require a credit card for their deposit, so I used credit card for deposits. I did get a deposit from XXXX XXXX XXXX for {$200.00} on XXXX which was one of the first places I stayed then XXXX XXXX for {$170.00} on XXXX but after those two I did not see any deposits come back to my available credit for the entire month of XXXX. I rented from XXXXXXXX XXXX XXXX XXXX on XXXX and they took a {$500.00} deposit from me in which I had to make a payment to card as all the funds were not available in credit so I know that the funds were being deducted from my available credit every time I used my card for deposits. Another two deposits with XXXX on XXXX and XXXX both with another {$500.00} each for deposit. Next was XXXXXXXX XXXX XXXX who took a {$200.00} on XXXX. XXXX XXXX XXXX on XXXX for {$500.00}. XXXX again on XXXX for {$250.00}. I also stayed at XXXX XXXX in XXXX where they took several deposits from XXXX to XXXX for $ XXXX {$110.00}. XXXX XXXX in XXXX who took {$250.00} on XXXX and {$250.00} on XXXX. Ending with XXXX XXXX who took {$100.00} deposit on XXXX, XXXX, XXXX, XXXX, and XXXX. I would make a payment to credit card to cover large deposits as I was close to my availability in the beginning. I decided to pay off my cards balance on XXXX to make it clear where these deposits were going exactly. My balance on this day was shown at {$2600.00}. I paid in full. After paying in full I noticed my cards available balance was never close to the {$3000.00} credit line I have it still showed a balance of {$2300.00} with only {$150.00} available credit. So I started to communicate with the support on my credit card from US Bank. Next, I will list the dates I have and ways I talked to them about my various concerns for the last few months. I will only list what I can verify with my phone records and with bank officials in Branch locations. My available phone records only go back by 2 months so I can only list those calls. On XXXX XXXX I called because I had received an email from US Bank XXXX XX/XX/XXXX saying I had requested their program extend pay and the request was being processed. I did not know what this was and I had not requested anything on my account. The first girl I spoke with told me she was new to extend pay program and so she had limited information. What she told me she understood is that when an individual purchases a large item with a charge card they will put that charge into extend pay and they can pay off the item without interest for a small fee. I again told her that I had not purchased anything large and did not sign up for this program. She finally gave me a supervisor who also was not familiar with this program which I again told her I did not sign up for. I thought that from this phone call they would investigate why this was going on and the problem would be cleared up and so would this extend pay that they claim I requested. I then looked at my statement online and saw that they were saying I put a charge to XXXX XXXX XXXX XXXX into extend pay along with a deposit from XXXX XXXX Hotel that should have been a credit not a charge at all. The charge from XXXX XXXX XXXX XXXX for {$1300.00} had a transaction date of XXXX but paid on XXXX. I paid my balance on my card off on XXXX so the charge from XXXX was paid off and should not even be on my account anymore. On XXXX ( 43min ) I called the bank in which I was told I can not get out of this extend pay unless I pay it off in full after this call, I went into a branch to see if they could help. On XXXX I went into a branch in a XXXX store and was helped by a gentleman who told me he had limited information on credit cards but gave me a printout of what he could see which I still have, and I left. On this there is a charge shown by XXXX XXXX in the amount of {$250.00} which was supposed to be a deposit/hold. This charge disappeared from any other record that I can see from statements and the bank. On XXXX I went into a bank branch for appointment I made at XXXXXXXX XXXX- the lady ( XXXX ) who helped me was very nice but again printed out some information on my account and said it was a lot to go through and that she could not see all the information that the people can see through the credit card support so she could not explain why the money was not coming back in my available balance from the holds and or why the extend pay was there and double charged to me from what she could see. I called credit card support at XXXX ( 30min ) and was not getting anywhere so I hung up but called back at XXXX ( 41min ) and was given a supervisor who said she would dispute the XXXX and XXXX deposits XXXX Throughout all of this I had contacted the merchants who all said they had released the deposits to bank which bank said no they did not see them at all at the beginning of each call only to see them by the end but say the had not released. On XXXX ( 57min ) I spoke to XXXX who was a supervisor and explained that the extend pay should not be there they charged me for it twice and then said I put it into extend pay day before my statement was to come out. This charge was paid off on XXXX after it paid on XXXX. She said she saw what I was saying and would turn it in for investigation to the fraud department. On XXXX ( 23min ) XXXX called from the fraud department and asked what the concern was and after I told her she began to tell me she would only refer to charges on my statements would not discuss deposits/holds. I can not see them only the deductions from them which should show back up in my available credit but do not. She was rude and aggressive and said I can only pay off extend pay was not able to get out of that charge. I ended the call as it was not going anywhere productive. I called on XXXX ( 142 min ) the call started with a gentleman who kept repeating that the deposits/holds just fall off once released and if the merchants were saying they had released them then they had fallen off. I tried to explain to him that almost every time I had a large deposit, I would make a payment before because I wanted to make sure I had enough available credit to cover them. Starting XXXX {$1000.00} payment, XXXX {$110.00} & {$120.00}, XXXX {$1200.00} & {$990.00}, XXXX {$450.00} & {$900.00}, XXXX $ XXXX $ XXXX {$2600.00}, XXXX {$300.00}, XX/XX/23 {$400.00}, XXXX {$300.00}, XXXX {$500.00}. I had {$40.00} rewards applied to account on XXXX. Also {$660.00} in credit from the first two deposits I made and other merchants. The bank shows a credit of {$1300.00} and {$110.00} on statement but it is obvious that was never credited to my account as they put it in as a charge to account immediately after the credit- this is supposed to be for the extend pay that I never signed up for and for a charge I paid off on XXXX when I paid my card balance in full. He sent me over to a supervisor that was XXXX and she was more pleasant this time. I explained that XXXX had put in a dispute during my previous call about the two deposits from XXXXXXXX XXXX and one from XXXX. The reason was that she could see where XXXX released the first deposit ( {$500.00} ) on XXXX but it was not applied to my available credit on card. The second deposit ( {$500.00} ) that XXXX said was released on XXXX she did not see released at all. The deposit from XXXX ( {$250.00} ) she could not see yet released and the notes from the first dispute with XXXX over deposit ( {$200.00} ) were not clear as to the outcome. After going back and forth with XXXX for quite some time she agreed that the deposits did not come back to me and gave me to another supervisor who could see more information about the disputes than her. This person said she would put in for an investigation on the outcome of first dispute and would try to expedite the current dispute and why I never was given provisional credit promised when disputes were filed. I did not hear back as I was supposed to be called the following day. I called on XXXX @ XXXX ( 18 min ) to find out what was happening as I still did not have any provisional on my card and XXXX said she saw all the notes on my account about these problems but would NOT be discussing any of them with me. If I had another problem other than the above, she was willing to discuss it but if not she was ending the call. Later on, XXXX provisional credit appeared on my available credit on card in these amounts : {$280.00} and {$220.00}. These were charges to my card from XXXX XXXX XXXX from a separate rental where I had to get an extension. These charges have nothing to do with the deposits released on XXXX and XXXX from XXXX. The reason for all the hotel stays and rental cars is that I was evicted from my home in XXXX and had to sell my car and other belongings. From this I have had to pay for rental cars and hotels. I was counting on the money from the deposit/holds coming back to my availability so I could use it for a place to live. But the banks continued run around on all this has kept me from being able to access those funds and has cost me more of the little I had left in my checking account with US Bank. When I first sold my car, I had the gentleman who bought it give me a cashiers check for the amount he paid he offered cash but I thought a cashiers check was better as to not need to worry about the dollar bills all being real. The cashiers check was drawn on a local bank and I was able to call the number on the front to verify the funds. When I took it into the bank to cash it they only made available {$2000.00} and held the other {$15000.00} for 14 days. This cost me as I needed the money to get to family in XXXX Wyoming and had to pay for storage and XXXX out of the available funds. After paying for a room for one week and the above I needed more of my funds to pay for deposit at XXXX that I already paid for online just needed the deposit. They refused to free any funds, so I was unable to access the room I prepaid for and was left to sleep in a rental car with my two XXXX dogs. I called them several times, but they refused to clear any money for me. We recently have encountered a problem with deposit from our current hotel with our checking account as well. The hotel released the deposit, but our checking account charged it as a charge overdrawing our account. We had {$180.00} in our account and after they took two charges of {$84.00} & {$83.00}, and one other came in at {$21.00} When we called and told them about the error it took them 4 days to give back the two {$80.00} charges. But we should have had {$160.00} already in our account when the two {$80.00} charges came back so our account should have been {$330.00}. But they gave us back the charges only and did not give back the money that they took to overdraw the account. I have been a customer of US Bank for over ten years and really dont understand the problems that I have been having. They have been very unhelpful with trying to get any answers to my problems. I would not have continued to use my credit card for the deposits as the problem has been on going but most merchants will not accept your debit card for deposits only credit card, so I have had no choice other than to continue to use them as a way to pay for housing and rental cars. I need this to be fixed so I can obtain permanent housing with the money that is tied up. Thank you in advance for your time and help. If you have any questions, please email me at XXXX or call me at XXXX. I have receipts, statements from bank, print outs from bank appointments which show a clear inconsistency. I also have my phone records showing communication with them on dates I listed. | ||||||
| 07/23/2018 | Yes |
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| On XX/XX/XXXX I submitted a complaint ( XXXX ) to the CFPB regarding the incident documented below. Today XX/XX/XXXX I received a notification that the complaint submitted by the CFPB to US bank was rejected because apparently the person who submitted the complaint is an unauthorized party. Given I am the owner of the account and I submitted the complaint via the CFPB, this is not true. From the time I submitted the 1st complaint to now, US bank has returned the {$4500.00} removed from my account. They however have not adhered to their policies of notifying me of status by corresponding with me in 10 business days. They continue to not provide information surrounding the incident and are unable to provide any level of explanation as to whether accounts held with US bank are safe. They continue to refuse to deal with me as the account owner even through a complaint lodged through the CFPB. Original incident reported XX/XX/XXXX : On XX/XX/XXXX while reviewing my checking account on line, I noticed a transaction to the amount of {$4500.00} processed for payment using XXXX money transfer service to an unknown person - XXXX XXXX. I immediately called US bank customer service and reported this was an unknown transaction and while on the line I was advised that the transaction had just occurred within past 40 minutes and that it is possible it could be stopped. While on the call with the representative, I was informed that she was contacting the XXXX department to advise. After a short delay, she returned saying that it was not possible to stop the transaction. She advised that a XXXX incident would be submitted and that she would place an immediate freeze on my account. When pressing for more information, I was advised that since this transaction appeared to have been made using my wife 's login credentials, she would need to call in to get more details. Despite advising that my wife did not have login credentials for this account which is a business account, they insisted that these credentials were in existence and consequently she needed to contact US bank directly. That once she called in they would release the information which she could not share with me. I was also advised to call on my branch and have a new account set up as the current account was frozen. I immediately contacted my wife and asked her to call the customer service number I was provided and provide them whatever information was needed and request further details of what transpired. She called immediately only to be told that they could not verify her identity over the phone and that she should visit a branch. She then within less than an hour called on a US Bank branch located on XXXX XXXX, XXXX Colorado and explained the situation and was referred to a personal who then called US bank XXXX department in her presence. The banker at the branch verified my wife 's identity and she then spoke with a representative in the XXXX Department. She requested more information but was unable to have the person she was speaking to provide any further information. It was revealed at that time that the date of birth which US bank had on file was incorrect and this was what prevented them being able to initially verify identity. She was advised that a XXXX investigation would need to be conducted and a response would be provided by mail in 10 business days. No further information could be provided. She then in the presence of the personal banker at the branch, called me to advise that they would not release further information. She asked the banker at that point to speak with me. At that point the banker said to me she had spoken to their XXXX department and that there was no additional information to share. She advised that once the investigation was concluded in 10 days, they would send a letter with findings. At this point, I was again advised to call on a branch and have my account closed and a new account opened. On XX/XX/XXXX, I with my wife, called on my local branch of US bank located In XXXX on XXXX XXXX, XXXX, Colorado. I spoke with a member of the banking staff - XXXX XXXX and explained the situation advising that there were 2 issues that needed addressing. The 1st confirming my original account was indeed frozen and that a new account needed to be established, the 2nd being addressing the absence of any intelligible information around the XXXX incident reported. XXXX XXXX immediately contacted US Bank XXXX department and spoke to a party there, and attempted to ascertain what had transpired. He was unable to provide any additional information except to say that it was my wife 's credentials that were used to commit the XXXX. When I explained to him that my wife did not have any login credentials for the business account, he advised that these were credentials established when we had a joint personal Home Owner Line of Credit, checking and savings account. I advised him that that account had been closed some time ago and that these credentials, while not known to my wife at the time the account was active, should nevertheless have been cancelled anyway as the account was closed and in addition never associated with my company account. He advised that there was little he could do and that the issue was being investigated, and we would be informed of the outcome in 10 days. At this time, I expressed concern that other login credentials may exist on my account and requested that the account be checked in the presence of my wife and I. During the process we advised of the incorrect birth date on US banks systems, to which he offered to correct. At this point we were shown the computer screen of her personal details and were shocked to see that they had unknown email, and mobile phone number on my wifes profile. A photo of this screen was taken for my records. At this point we requested that no changes be made, and this be preserved in to ensure it would interfere with their XXXX investigation. We asked that all login credentials for the account apart from 3 be locked or cancelled. Several stale/old/unknown Login IDs were identified and removed. XXXX confirmed that all was in order and that we would hear from US bank in 10 business days.We subsequently set about opening a new bank account, transferring most of the cash from the old account into the new. We also cancelled credit cards and debit cards and initiated process for reissuing new ones as a precautionary measure. On XX/XX/XXXX I submitted an online query on status of the XXXX incident reported, and as of XX/XX/XXXX had not received a response. I consequently called into the XXXX department number ( phone recording available ) only to be advised that there was no open XXXX incident. The the incident reported was closed on XX/XX/XXXX as the incident occurred with my wifes credentials and she need to report it. That no further details could be provided given to me given this was for my wife to address. I explained that we had been through all this and that my wife had been communicated with earlier, in the physical presence of a banker while talking to XXXX department. I further explained that this account, in any case was owned by me and that my wife should not have login credentials associated with it. The agent again said that since this was a XXXX incident involving her that she would need to call in. I advised my wife was with me and she could speak to him now and do whatever he now felt necessary. My wife went through his verification process after 1st informing him that her birth date details on their system are likely incorrect. He requested telephone number we were calling from and for her to login in get last transaction details. She advised she has no login credentials but that I was logged in, and we provided him the details of the last transaction as requested. He successfully verified her and went about informing her that there was no XXXX incident opened and that all he could do was open one now. Exasperated she provided details requested and disconnected without further dialog. Shortly after this call, ( approx. XXXX ) I contacted my US Bank branch from my cell phone ( no recording ) and explained the situation to XXXX XXXX XXXX the banker who had assisted us on XX/XX/XXXX at our branch. I expressed my totla amazement at the response and my dissatisfaction to how this was being handled. He confirmed that when he helped us in person on XX/XX/XXXX, all was in order and that the matter was being addressed. He expressed that he felt the representative my wife and I had spoken to did not have complete details and he would call to find out what the status is and get back to me. XXXX later called back XXXX recording available ) and advised he had escalated the situation, and it was now back on track. He was not able to provide any further details apart from advising that the amount of {$4500.00} will provisionally be returned to my account. I asked him whether the incident had in fact fallen through the cracks and incorrectly closed out. He was not able to confirm but did say that it had been impacted by this being my wifes credentials and they were waiting for a contact from her? I asked explicitly whether they had no record of my wife 1st calling in on her own and then later in the presence of 2 bankers ( 1 being him ). He was not able to provide any explanation or detail of this. I again stated that I believe no action is being taken and stated as the owner of the account they are obliged to communicate with me. I expressed my dissatisfaction that they had likely compromised my account through a breach on their side and were now evading taking action to rectify. I reminded him that I had discovered this XXXX transfer within 40 minutes of it occurring, and that XXXX being a person to person transfer service, it should have been exceedingly easy to identify who the amount was transferred to ( or at least the bank account ), and to reverse or cancel the transaction. Their procrastination and incompetent handling in acting on this is was unacceptable. He advised that we should wait for the {$4500.00} to be reversed into my account and the official notification letter to be sent. A week or so later on XX/XX/XXXX at approx XXXX, My wife received a voicemail to call XXXX XXXX at US bank. When she called approx 20 minutes later she was asked a series of questions surrounding the incident. ( Recording Available ). The questions XXXX set about asking sounded very much like questions asked when reporting a XXXX Incident. She answered the questions and disconnected at approx XXXX. Later on the same day I saw that XXXX called and left VM for me as well to call him. Called and talked through a series of questions and scenarios. ( Recording Available ) On XX/XX/XXXX after still having not been contacted by anyone at US bank for 12 days with missing funds still not being returned and no letter received, I called my Branch and left a VM for XXXX XXXX the banker who has been assisting us. XXXX returned my call at approx. XXXX to advise he had heard nothing and also confirmed that funds had still not been returned to my account. He advised he will contact the responsible person in their XXXX Department to solicit status. While XXXX has been exceedingly helpful this situation is clearly not being adequately addressed despite his efforts. I feel that US bank is mishandling this incident for going on 1 month and evading acceptance of responsibility. They initially closed out the XXXX incident 1st reported despite all efforts to conform with their requests. They have failed to provide a information, reversal of funds or a letter after 10 days of reporting despite this being their policy. It is clear that while we have attempted to report this matter on multiple occasions they are not addressing the situation at all. Photos of computer screens along with voice recordings of phone calls are available if needed. | ||||||
| 03/12/2023 | Yes |
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| I most recently had to dispute a credit card charge back in XXXX of XXXX with Fulton Bank/Elan Financial from a company called XXXXXXXX XXXX for an amount of approximately {$450.00} because I had cancelled the order with the merchant and the merchant accidentally sent the item out in error. After contacting the merchant they instructed me to simply refuse the package and have it returned to them via the same carrier. I did exactly as instructed. Elan Financial who handles disputed charges as well as fraud charges were the ones to handle this case. I just got in the mail a letter stating that they were taking away the temporary credit from my account and re-charging me for the purchase. Informing me that the merchant had responded to the charge dispute and that they could no longer help me. I immediately called my bank which is Fulton who transferred me over to Elan 's dispute/fraud department and a gentleman by the name of XXXX took my call. He was nothing more than abusive and rude. He refused to answer my questions about trying to get my dispute case reopened and was dismissive when I tried to explain that their dispute case worker did not follow the proper Visa/Mastercard rules and regulations giving me the opportunity to respond to the merchant documents and photographs in a written rebuttal form so that the case could continue. He became increasingly erratic in his behavior causing me increasing frustration. He then started yelling into the phone over talking me like a XXXX year old child so I had no alternative but to hang up on him. I asked him to transfer me to his supervisor/manager for assistance and he basically said sorry the buck stops here buddy and there's noone to transfer you to. Out of frustration I had no alternative because of his rude and abusive behavior but to hang up. I then phoned back hoping against all hope someone with a brain cell in their head would answer and I could continue the conversation rationally unfortunately this did not come to fruition. When I called back the person in customer service explained that there had been a block placed on my account and at that point was shocked and confused and was quickly transferred into a que which I guess may have been their security que because XXXX the gentleman from the previous phone call had placed a security/fraud block on the account because from what I was able to ascertain he arbitrarily without merit blocked the account due to the fact that he thought I was not the cardholder????? I was so upset and confused at this point. I was put through a litany of questions like what is your sister 's name and on and on and on before the representative said she could remove the block. It appears that this gentleman by the name of XXXX just placed this block on my account out of spite and it had nothing to do with identifying myself because this was done through the banks automated system and then for a second time through customer service before the call was even transferred to him at the beginning of this conversation. From that point forward it just got more bizarre from customer service representatives to the dispute/fraud department it seemed like every time I would call someone XXXX would slap a fraud block on the account claiming they didn't think I was the card holder which was absolute XXXX XXXX. Once in a while I would get someone who seemingly wanted to listen to me but nothing constructive ever came out of the conversation. It always ended up where the representative in the dispute/fraud department would say you will have to speak to the case worker directly and they won't be able to contact you for 24 to 72 hours. In my opinion this was absolutely ridiculous and unacceptable. When someone finally got around to calling me early on Thursday morning of the XXXX of XX/XX/XXXX they had to catch me at the grocery store and I didn't want to have to discuss my credit card dispute issues in front of the grocery store bagger/clerk so the woman left a message for me to call back. It's unclear whether she was the actual case worker or someone calling on their behalf but she said that I needed to call back to provide more information about the dispute for their department to continue their investigation so when I got home from the store I called Fulton who transferred me to the dispute/fraud department and they said that the message the woman left on my account was nothing like the message she left on my voice mail. They informed me that the dispute case was closed and that there was nothing they could do. I asked to speak to the woman who left the message and when she was messaged by the department they came back and said to me " she can't talk to you now '' We will have to request another call back which will take an additional 24 to 72 hours for her to return your call. After numerous calls and feeling so emotionally and physically drained from all of the aggravation I was left feeling humiliated that the Elan representatives continually played cruel games by blocking my account without merit and then not providing me with any reasonable or acceptable form of customer service to assist me with my dispute resolution. An absolute MESS!!!!! I telephoned my brother who is an attorney the situation with Fulton/Elan Financial and he was absolutely horrified as to how I was being treated and demanded I close the account and that if need be he would intervene from a legal standpoint. I called Fulton and requested they close the account on Thursday night XX/XX/XXXX around XXXX. I spoke to a woman by the name of XXXX XXXX or XXXX XXXX I'm not sure exactly of her name and then her direct supervisor XXXX who confirmed the account closure and that it would appear on my credit report as account closed by account holder. Today which is the XXXX of XX/XX/XXXX I made the decision that I would take the issue to my local Fulton Branch and sit down with one of their branch managers and see what kind of magic they could perform in getting the representatives over at Elan to move on this disputed charge problem and actually get something done. I hate to report that the call was just as much of a mess as all the ones I made myself from my cell phone at home. The branch manager called them and explained to them that her name was XXXX and what branch she was calling from and her position and a synopsis of the situation to the representative and the first thing they said to her was to ask me if a woman had been calling in to Fulton on my account and I said no and evidently there was still some block on my account. I explained that yes I had a high voice but no woman was trying to access my account that I was the only one calling them and had verified the account up and down over the last few days. They had no reason not to believe I wasn't who I said I was. The branch manager had my drivers license as well as my credit card and I would of been happy to provide her whatever information she needed but Fulton/Elan Financial didn't seem to care why the branch was calling and the only information the branch manager was able to get out of the dispute charge/fraud department was that I would simply have to wait for the dispute case worker to call me with the 24 to 72 hour time frame that there was absolutely nothing anyone could do. The branch manager got absolutely nowhere and I am absolutely disgusted with this financial institution. When you can't even get any kind of help or assistance with your credit card and people constantly doubting who you are after you've verified everything but the kitchen sink is absolutely rediculous and absurd. Imagine just for a moment how absolutely degrading it is for a cardholder to keep hearing that the financial institution in which you've had a relationship with for the last 6 years keeps telling you that you're not who you actually are even after you verify and verify and verify. Fulton/Elan have worn down my spirit and have made or have attempted to make me feel absolutely worthless. I'm glad I closed the account they are disgusting, rude and abusive individuals and I needed to separate myself out from them because I simply couldn't deal with the aggravation any longer. The experience was making me physically sick. At this point I'm still waiting for that call from the case worker about the chargeback dispute and how I can move forward because I don't like the feeling of having to pay for something I don't have. Lastly I would like to make a comment about the photographs the merchant in which this dispute is against which is XXXX XXXX is that they are simply fraud plain and simple as is their statement to Visa in response to this dispute. They state the box is not their box that was " refused '' and shipped back to them but the photo clearly shows the XXXX label attached to the box so clearly the box is theirs as is the label because all tracking documents and numbers from XXXX XXXX XXXX match. It's their box but they claim it's not. They are liars. They said that they don't use that kind of packing tape but the tape on the box is security tape with a security feature that if the box is opened that it would clearly show that the box was opened and tampered. The merchant never claims the tape was tampered with or the box was opened and if it was XXXX would have caught it and refused to ship it back because the seal would have been broken and would not have shipped it back to the company. They are liars in this regard. It's their packing tape. As for the 3rd photo showing some foreign substance in a bag which they claim was in the box is clearly fabricated. If the box was never opened and the security tape breached noone could have inserted something else in the box and state that the item which was a doll was missing from the box. None of it made any sense to me and the merchant is trying to commit fraud by submitting photos which simply don't hold water. Maybe the chargeback case worker was duped into believing it but you can clearly see and I would clearly be able to refute the merchant 's response and I shouldn't have to pay for something I don't have but the dispute department seems to have dug their heels in and they don't want to give me the opportunity to respond and saying it's my problem and that they can't do anything to help me. A complete joke of a department if you ask me. I though someone initially told me that a gentleman by the name of XXXX was handling the dispute case and a while back I remember talking to him and remember how he would go on and on over the phone bragging to me how he was so proud of the success rate he had with his chargeback dispute cases and that he rarely looses well in this case if the department 's case worker won't even give the cardholder a chance to respond and rebut or refute the merchant 's fraudulent evidence then how do I stand a chance to win my money back over an item I don't even have?. I expect quick and expeditious action on the part of Fulton/Elan Financial services executive offices/CEO to reach out in kindness and apologize for all the XXXX XXXX and XXXX who have clearly chosen to make my life a living XXXX over the last week and make sure the dispute/fraud department reopens my dispute case so I can send a written rebuttal to the case and have the case continue to work its way through the Visa card system because as I stated earlier I'm not paying for something I don't have. Lastly I'm just so disappointed in this financial institution. Noone deserves to be treated like I've been treated. It's a wonder this bank working along side their 3rd party Elan Financial has any patrons at all and I gather from all the online complaints I'm not the only one having problems with Elan Financial Services. Thank your time and consideration in this matter and I look forward to hearing from you quickly as this is most like a time sensitive matter. CC : FULTON BANK | ||||||
| 02/04/2022 | Yes |
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| To whom it may concern : I have been trying to pull my mortgage out of forbearance since XXXX of XXXX. My account has been neglected and misrepresented several times. Agents have failed to do their jobs correctly and resolve this ongoing issue for around 7 months now. The issue is still unresolved. I need to remodify my loan and set up a payment plan. US Bank has failed to complete this task timely and it is costing me more and more money, which I obviously do not have a lot of... I have been threatened of foreclosure twice now, due to the neglegence. The stress and fear of losing my home because this is unresolved has caused me SEVERE XXXX and is completely unacceptable. I have done everything asked of me and yet US Bank has continued to fail to resolve this issue. On or around XX/XX/XXXX of XXXX, I spoke to an agent and she went over the covid plans with me. I ended up accepting the HAMP Reduced Income Covid-19 plan. With this plan, I was told my payment would be {$1300.00}. It lowered my rate to 3.125 %, extended my maturity date to XXXX/XXXX, and created a no interest second loan for the amount owed, that would be due upon maturity of the loan, sale of the home, or if I were to refinance. I received a letter dated XX/XX/XXXX, requesting me to submit some financial documentation, which I emailed to XXXX on XX/XX/XXXX. This documentation was submitted timely ( the letter stated XX/XX/XXXX ). Granted it was the last day, but was within the time limit I was given. I spoke to a representative that day to confirm receipt, and was told everything was fine. About a week or so went by and I received a letter in the mail dated XX/XX/XXXX. This letter informed me that I was dropped from the plan and my request for assistance was closed. I then called US Bank on or around XX/XX/XXXX to find out what this meant, and was told that my documentation was not processed timely by usbank, and therefore I was dropped from the plan. I was told this plan was no longer available and I had to chose a different one, which made my payment higher. I believe around {$1300.00} or something. Same terms as before. I can not find this in my notes at this time, but will keep looking. A few days later I received a letter dated XX/XX/XXXX, requesting financial documentation again, due by XX/XX/XXXX. I submit this documentation via email to XXXX on XX/XX/XXXX. After speaking with a representative, I was told I needed some additional info which I submit via email on XX/XX/XXXX and XX/XX/XXXX. I was told this was everything I needed to process the application. That it would go into underwriting and I would receive mail with further instructions. This never happened. In the meantime, I received a letter dated XX/XX/XXXX informing me I was on an active covid forbearance plan, that no action was needed from me, and someone would be reaching out to me soon to discuss my repayment options. ( This was confusing to me because I thought I was already in the process of getting a plan in place. ) I received several calls and spoke to representatives in the meantime. Each time I was asked to chose a plan, which I stated I already had. I asked for the status of it because I wanted to know when my 1st payment would be due and was told it was still in underwriting and they could not answer that at this time. I received a letter dated XX/XX/XXXX, indicating US Bank pulled my credit score. I received a letter dated XX/XX/XXXX, asking me for additional documentation due by XX/XX/XXXX, but nothing was listed to send.??? I called US Bank and was told to disregard the letter. I received another letter dated XX/XX/XXXX, again... asking me for additional documentation. This time due by XX/XX/XXXX. However, AGAIN, nothing was listed. I called and was told again to disregard. That my application was in underwriting, and I just needed to wait. I received a letter dated, XX/XX/XXXX, regarding Moratorium Release. On have no idea how this letter applied to my situation. It seemed informative, so I disregarded it. I received a letter dated, XX/XX/XXXX. This same letter was sent to me twice via first class mail as well as certified mail with a return receipt. This lovely letter informed me that I had 30 days ( by XX/XX/XXXX ) to pay my past due balance of {$33000.00} in full or my home would be foreclosed on. XXXX XXXX to me! I called us bank on XX/XX/XXXX to ask about these letters. I spoke to XXXXAgent ID XXXX, who told me to disregard the letter. She informed me her notes said, on XX/XX/XXXX, my account was in underwriting still, but has been assigned to a new underwriter. At some point after this, I spoke to a representative that told me this was not processed in a timely manner and the plan was ... surprise surprise... no longer available!!! I was forced to choose another plan. The payment was $ XXXX-something. I said, no this is too much for me! I asked if US Bank would honor the original amount/plan since this was not caused by anything I did wrong ... the representative said she would escalate it to a supervisor and call me back to let me know. She never called back. I believe I spoke to another representative at a later date, and had the same conversation, again... no call back. I received 2 identical letters dated XX/XX/XXXX asking me for additional documentation, again, it had nothing listed. I received a letter dated XX/XX/XXXX, telling me I qualified for a Stand Alone Partial claim. Where the payment was {$1600.00}!! I can not afford that high of a payment. This plan was nothing at all what had been previously discussed... it did not change the existing interest rate or other existing terms of the loan. I called on XX/XX/XXXX to ask about this letter and plan that was selected on my behalf, without consent by me, and I spoke to a male representative. I asked him to transfer me to a supervisor since he could not answer my questions. He transferred me to Loss Mitigation instead. From there, I was transferred to a supervisor, who told me to send an email stating no to these terms and to call back on XX/XX/XXXX. One of these reps name is XXXX. I sent this email to opt out, as instructed, on XX/XX/XXXX. I received a letter dated XX/XX/XXXX, that discussed the Stand Alone Partial claim, with a payment of {$1600.00} again. However, since it was date prior to my conversation on XX/XX/XXXX, I disregarded it. I received a letter on XX/XX/XXXX, informing me that my request for customer assistance was closed per my written request. I received identical letters dated XX/XX/XXXX, sent via First class mail and certified mail w/a return receipt requested, informing me that I had 30 days to pay {$35000.00} or my home would be foreclosed. On XX/XX/XXXX, I called US Bank and spoke to a representative who told me I had to choose a new plan. The plan I chose made the payment {$1400.00}, the interest rate was 3.125 %, maturity date XXXX/XXXX, and the balance would be on a non-interest loan due upon maturity or if I sell or refinance. I received a letter dated XX/XX/XXXX, acknowledging my call and informing me my request for assistance was being processed. I also received another letter dated XX/XX/XXXX, stating US Bank received documentation for the application and an appraisal may be ordered. I received a letter dated XX/XX/XXXX, informing me XXXX XXXX was assigned as my relationship manager because I applied for or was recently approved for a customer assistant program. I received a call from a representative asking me if I needed a notary to sign the documents that would be mailed to soon to finalize the plan. I said no, I could do it at my bank. I asked her what the amount was, and she told me she was third party and did not have access to that information. I received a letter dated XX/XX/XXXX, regarding finalizing the Stand Alone Partial claim... with a payment of {$1600.00} ... this letter indicated I had until XX/XX/XXXX to sign and return the paperwork in the prepaid UPS envelope. I called on XX/XX/XXXX and spoke to XXXX, a relationship manager, Employee ID XXXX, to find out what the XXXX was going on, and she told me the " task was not dropped '' by the last agent. That this task had to be dropped to trigger the removal of the Stand Alone Partial claim. ( Although, I received letters, as referenced above, indicating this had already been done. ) She told me she would take care of it and it would take approximately 3-5 days to process. Because this task was not dropped, she also informed me that the new plan I recently chose ( $ XXXX ) was never applied to my account.. She said she would watch my account and call me back so we could try to put me back on this plan. I was concerned that this was affecting my credit because I am no longer in forebearance, which I just spent the last year repairing, and she said no it is not being reported to the credit agencies.. She never called back. I called on or around XX/XX/XXXX and spoke to a representative. I was forced to choose another plan, because ... the previous plan was " no longer available ''. This plan has a payment of {$1400.00}. The interest rate has now increased to 3.5 % which infuriorates me!!! That's an additional $ XXXX which adds up to {$10000.00} over a 30 year loan!!!! My maturity date would be XXXX/XXXX/XXXX. And again the amount due would be placed in a non-interest loan due upon maturity, etc etc. I received a letter dated XX/XX/XXXX, confirming my call and request for this plan, with the amount as stated above. I received a letter dated XX/XX/XXXX informing me that my request for customer assistance has been closed!! I received a letter dated, XX/XX/XXXX, stating my application was received and additional information was needed. This letter included a Mortgage Assistance Application... I called on XX/XX/XXXX, and spoke to a representative that stated she was a relationship manager. She told me I did not need to fill out the application and to disregard it. She also informed me that I was NOT enrolled in a modification plan. She said the last agent did not do their job correctly, and asked me to choose another plan!!!! I was extremely upset and demanded to speak with a supervisor. She placed me on hold for an extremely long time. The call lasted 45+ min, so I was on hold for over 20 min. I eventually hung up. I called again today, XX/XX/XXXX, and spoke to XXXX, Employee ID XXXX XXXX explained that somehow my application was dropped. She said they had nothing on file around that time that would indicate I wanted this to be closed, so it was an error on US Banks side. She placed me on hold to try to reach a supervisor tonsee if she could get it reopened. She reached out to several, but was unsuccessful in getting ahold of one. I explained about my email back on XX/XX/XXXX asking to drop me from the Stand Alone Partial claim ( $ XXXX ). She believes this somehow made an agent drop me from the most recent plan as well. ( I don't see how, since the email was very specific, and all the correspondence leading up to this date has indicated otherwise. ) XXXX was very kind and helpful. She said she would call me back once she got ahold of a supervisor. I did receive a call from US Bank today, XX/XX/XXXX, after the call with XXXX, but when I answered, the caller hung up or was disconnected somehow. PS. I can scan in and provide all of the above mentioned letters via email. I may even have a few more tucked away somewhere. ALSO, I asked US Bank how to file a grievance, and they gave me an invalid email address at USBank. | ||||||
| 07/13/2021 | Yes |
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| My on-site experience at XXXX XXXX XXXX On XX/XX/2021, while leaving the XXXX XXXX store located on the second floor of the XXXX XXXX XXXX, XXXX, WA, I walked past the second floor stores when I was solicited by and literally pulled into the XXXX XXXX XXXX store by a very aggressive salesperson named XXXX who told me he had a product that would take away the wrinkles under my eyes. While inside the store, I was surrounded and distracted by Miss XXXX ( their supposed XXXX ) as well as XXXX ( their supposed Store Manager ). Their business cards and contact information are attached to this dispute, ref ( 1 ). They all hovered around me pushing their products on me. I decided to purchase just ONE product, after refusing many times, only to finally have them convince me by discounting the price by 50 % and the offer of one free product along with one free facial. Both products are described in the next section. I was offered the free facial, by Miss XXXX which I scheduled for XX/XX/2021. It was understood there would be NO CHARGE for this service. I went back to XXXX XXXX XXXX at XXXX XXXX XXXX on XX/XX/2021 to receive my free facial treatment. I did not purchase ANYTHING nor did I authorize ANY charges during that visit. These ( 2 ) occasions were the only times I was physically inside XXXXXXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, WA. At the end of XX/XX/2021, I discovered during a shopping trip to the XXXX XXXX XXXX that XXXX XXXX XXXX was no longer in business at XXXX XXXX XXXX when I encountered their empty store with their XXXX XXXX sign gone. I took a picture which is attached to this dispute, ref ( 2 ). I flagged down a XXXX XXXX XXXX ( XXXX XXXX ) guard to ask when XXXX XXXX had left the mall and what happened to them. She told me it had been a few weeks ago and nothing more. I also asked the employees of a business, XXXX XXXX, on the first floor nearby. They verified with me that XXXX XXXX had indeed left the mall a few weeks ago. They said the employees of this store would come and go and would not always be open which is against the mall rules. Their impression of this business was that it was rather sketchy and mysterious. Details of my XXXX XXXX XXXX purchase on XX/XX/2021 I made a purchase at XXXX XXXX XXXX in XXXX XXXX on XX/XX/2021 in the amount of {$220.00} for XXXX XXXX XXXX XXXX XXXX product and I received a free XXXX XXXX XXXX XXXX XXXX XXXX XXXXg product. The receipt for that transaction is attached to this dispute ref ( 3 ). This purchase was charged to my USBank credit card and the charge shows up on my USBank credit card statement as XXXX XXXX XXXX XXXX WA in the Description column, in the correct amount of {$220.00}. What is noteworthy to mention was that I was surrounded and distracted by Miss XXXX ( their supposed Aesthetician ) as well as XXXX ( their supposed Store Manager ) during my purchase. They gave me a sparkling water to add to my distraction. Looking back on this unfortunate experience, I realized I may have perhaps left my purse unattended during all the commotion and distraction. Details of the Fraudulent, Unauthorized credit card charges The 1st ( 2 ) fraudulent, unauthorized charges were made on XX/XX/2021, in the amount of {$3000.00} on my USBank credit card and {$9100.00} on my XXXX XXXX XXXX ( XXXX ) credit card. I did not receive any services, products, receipts or any other information regarding these fraudulent, unauthorized charges. The 3rd fraudulent, unauthorized charge was in the amount of {$27000.00} on XX/XX/2021 on my USBank credit card. While I was at XXXX XXXX receiving my free facial treatment on XX/XX/2021, I left the treatment room and against my better judgement, I left my purse unattended hanging on a hook in the treatment room. They wanted me to look at my skin in the light of the store in the large mirrors. Miss XXXX and the Store Manager XXXX were literally in my face saying how beautiful my skin was, etc., which was very distracting to me and gave me a sparkling water to add to the commotion. Also, on XX/XX/2021 there was a charge for {$13000.00} for XXXX XXXX XXXX which XXXX declined. The XXXX Fraud department informed me of this great news after I reported the fraudulent, unauthorized {$9100.00} charge to XXXX made on XX/XX/2021. I did not receive any services, products, receipts or any other information regarding these ( 3 ) fraudulent, unauthorized charges. All 3 fraudulent, unauthorized charges showed up on both my USBank and XXXX credit card statements in the Description column as COSMETICS AT XXXX, XXXX WA. This is the exact same description at the top of the credit card receipt for the initial, sole, valid credit card purchase I made at XXXX XXXX XXXX. I have no idea what was to be purchased by the ( 3 ) fraudulent, outrageous, unauthorized charges. I received NO products, services or receipts regarding these charges and no information was given to me by XXXX XXXX or any other company about why the charges were made. That is still the case. I SPECULATE THAT MY CREDIT CARDS WERE TAKEN OUT OF MY WALLET IN MY PURSE BY AN EMPLOYEE ( S ) WITHOUT MY KNOWLEDGE AND PERMISSION AND PURCHASES WERE MADE WITHOUT MY KNOWLEDGE OR PERMISSION. I noticed all ( 3 ) of these fraudulent, unauthorized charges while doing a random check of my credit card balances on XX/XX/2021. I was very surprised that I NEVER received a call or text from USBank or XXXX about these outrageous charges from XXXX XXXX asking if they were legitimate prior to them accepting the charges. I have a history of NOT making large purchases on my credit cards and wondered why I wasnt somehow notified. USBank and XXXX ACCEPTED these fraudulent, unauthorized charges. The only reason XXXX declined the {$13000.00} on XX/XX/2021 because this card had a limit of {$11000.00} and had already been charged {$9100.00} on XX/XX/2021. Both my XXXX and USBank statements reflecting the fraudulent, unauthorized charges are attached to this dispute, ref ( 4 ) thru ( 11 ). Filing claims with USBank and XXXX for fraudulent, unauthorized charges On XX/XX/2021, I filed fraud claims with USBank and XXXX for these fraudulent, unauthorized charges. On XX/XX/2021, I received a letter from XXXX stating that were unable to approve your recent fraud claim. They stated that We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicated you or someone you allowed to use your card was present. This statement can not be true. They offered no proof of their assertions, because none exists. I asked that the claim be re-evaluated and I received a letter from XXXX on XX/XX/2021 stating that our decision to decline your fraud claim for this transaction ( s ) hasnt changed. They offered no new data ; they just used the exact same words ( above ) from their initial evaluation. again. On XX/XX/2021, I received a letter from USBank stating that Upon concluding our investigation of your recent fraud claim, we have determined the following transaction ( s ) was/were authorized. The {$3000.00} and {$27000.00} fraudulent, unauthorized charges were listed. They added that You have received benefit from the transaction ( s ) by either receiving services and/or merchandise from the merchant. This statement also can not be true. They offered no proof of their assertions, because none exists. All XXXX and USBank correspondence regarding these fraudulent, unauthorized charges are attached to this dispute, ref ( 12 ) ( 17 ). Police / Security reports made of these events I called the XXXX Police Department and a XXXX Police Report was filed for these exact events. It is report number XXXX, dated XX/XX/2021 and updated on XX/XX/2021. This report was made by XXXX Officer XXXX, badge # XXXX. I requested Officer XXXX to press charges against XXXX XXXX XXXX for fraudulent, unauthorized charges on my credit cards that I DID NOT AUTHORIZE. I reported the events to XXXX XXXX XXXX, the XXXX XXXX XXXX security company, who also has many reports on file against XXXX XXXX, including mine. The XXXX XXXX XXXX case number XXXX XXXX. XXXX XXXX is the XXXX XXXX Security Manger. Personal Research into XXXX XXXX XXXX XXXX XXXX has a very solid reputation as a very high-pressure and fraudulent sales organization WORLDWIDE. What I experienced at their store was very high-pressure sales, a lot of employees surrounding me, and a lot of confusion and distraction. I have attached, ref ( 18 ) ( 20 ), an article from FACE magazine that exemplifies XXXX XXXX XXXX reputation. A simple XXXX search of XXXX XXXX XXXX brings up a huge number of fraud/scam articles/reports against XXXX XXXX XXXX. Here are just a few worth mentioningthere are MANY, MANY, MORE! XXXX XXXX COSMETICS SCAM I SAY! XXXX : XXXX XXXX XXXX REVIEW ; UNETHICAL PRACTICES/COMPLAINTS XXXX XXXX : XXXXXXXX XXXX XXXX XXXX SCAM XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX SCAM XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXXXXXX XXXX XXXX XXXX UNEARTHS A PRICING SCAM : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX Victim Statements I took my USBank credit card out of my wallet to make the initial {$220.00} purchase with XXXXXXXX XXXX XXXX on XX/XX/2021. I never removed my XXXX credit card from my wallet in their store. I SPECULATE THAT MY CREDIT CARDS WERE TAKEN OUT OF MY WALLET IN MY PURSE BY AN EMPLOYEE ( S ) WITHOUT MY KNOWLEDGE AND PERMISSION AND PURCHASES WERE MADE WITHOUT MY KNOWLEDGE OR PERMISSION. I did nothing wrong except walk past an XXXX XXXX store before getting solicited and then pulled into the store by an aggressive salesperson. Looking back, I shouldve broken free and just kept on walkingbut I was taken completely by surprise. USBank and XXXX did something very wrong by accepting fraudulent, unauthorized charges to my credit cards. XXXX XXXX XXXX are complete SCAM ARTISTS and USBank and XXXX refuse to go after these SWINDLERS for their fraud. Instead, USBank and XXXX are choosing to dump their problem on me, the customer. I challenge both USBank and XXXX to prove to me that my PIN was entered or that I signed anything. They CANT because I did NEITHER. Attachments ref ( 1 ) XXXXXXXX XXXX XXXX employee cards names ref ( 2 ) XXXX disputeXXXX XXXX store front closed 3 XXXX ref ( 3 ) XXXX dispute_XXXX XXXX receipt XXXX XXXX XXXX ref ( 4 ) XXXXXXXX dispute_XXXX Statement_XXXXXXXX 1 of 6 ref ( 5 ) XXXX dispute_XXXX Statement_XXXX_XXXX 2 of 6 ref ( 6 ) XXXX dispute_XXXX Statement_XXXX XXXX of 6 ref ( 7 ) XXXX dispute_XXXX Statement_XXXXXXXX 4 of 6 ref ( 8 ) XXXX dispute_US Bank Statement_XXXX XXXX 1 of 4 ref ( 9 ) XXXX dispute_US Bank StatementXXXX XXXX_XXXX 2 of 4 ref ( 10 ) XXXX XXXXispute_US Bank Statement_XXXX XXXX_XXXX 3 of 4 ref ( 11 ) XXXX dispute_US Bank Statement_XXXX 21_XXXX 4 of 4 ref ( 12 ) XXXX dispute_XXXX temporary credit_1_31_XXXX ref ( 13 ) XXXX dispute_XXXX_Not fraud letterXXXX ref ( 14 ) XXXX dispute_XXXX re-evaluation letterXXXXXXXX page 1 of 2 ref ( 15 ) XXXX dispute_XXXX re-evaluation letter_XXXXXXXX page 2 of 2 ref ( 16 ) XXXX dispute_US Bank_Investigation Letter_XXXX_XXXX ref ( 17 ) XXXX dispute_US Bank_Not fraud letter_2_19XXXX ref ( 18 ) XXXX dispute_FACE XXXX XXXX XXXX Review : Gold Metal Scam 1 of 3 ref ( 19 ) XXXX dispute_FACE XXXX XXXX XXXX Review : Gold Metal Scam 2 of 3 ref ( 20 ) XXXX disputeXXXX XXXXXXXX XXXX Cosmetics Review : Gold Metal Scam 3 of 3 | ||||||
| 04/20/2021 | Yes |
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| After nine months of repeated emails, phone calls and letters of extreme concern to our mortgage lender, US Bank, but to no avail, we are left with no choice but to file a formal complaint against them. At this point in our case, we find their practices to be nothing short of corrupt, and a resolution to what we believe to be a gross misappropriation of our loan balance seems hopeless. Like many Americans, our home is our most valuable investment ( and now more than ever since COVID has nearly destroyed our business ). We simply can not afford to lose {$12000.00}, of which nobody at US Bank can explain to us why we owe it, and how it was calculated onto our loan balance as a second mortgage. In addition, we have found countless errors on payment applications, and nobody can ( or will ) help with those concerns either. After losing 100 % of our livelihood overnight, we were frightened beyond comprehension, and began seeking options that would give us time to pay our bills. We reached out to US Bank and accepted the COVID mortgage assistance deferment plan that was being offered to borrowers in good standing. The appeal letter below { sent on XX/XX/XXXX } summarizes what we would come to experience over the next 12 months. As the letter reads, we finally felt a ray of hope that someone would listen and help us understand this mess. Since that letter was sent ( we requested a read receipt, which noted they received it on XXXX XXXX ), we have received nothing even close to hope. In fact, almost two months after their initial receipt, we have received two responses, neither of which address our questions and concerns, or give us anything more than the same general contact info, ( that XXXX has continued to call, spending several more hours talking to people who know nothing. Our relationship manager XXXX, has remained unreachable a year later. I question if she even exists ). And now the latest loan statement we received on XX/XX/XXXX shows a mess of adjustments they made to our balance in error. So clearly, we are not getting closer to a resolve. Meanwhile, we have been trying to refinance our mortgage with XXXX XXXX. One, to take advantage of the low rates which would be a tremendous help to us financially, and two, to get out of this horrific relationship with US Bank. The re-fi process has been going on for 3 1/2 months because of this mess we are in with US Bank, and the second mortgage they have now attached to our mortgage. How can borrowers with a flawless 14- year payment history, end up with a second mortgage when we didnt even borrow or receive any additional funds? And how is obtaining a second mortgage considered help to get us through a pandemic? At this point it is very likely that we will not qualify for the re-fi because of our second mortgage that nobody can or will explain to us. We thank you in advance for your assistance in this matter that has been devastating to us under already impossible circumstances. US Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX Attn : Consumer Advocacy To Whom it May Concern, As advised on XX/XX/XXXX, by a supervisor named XXXX at US Bank, we are sending this letter of request for explanation and clarification of our mortgage balance, and more specifically, a detailed accounting of exactly what has occurred over the past 10 months. In XX/XX/XXXX, when the country shut down, our livelihood shut down with it. Due to the nature of our business, ( producers of large community festivals ), it became quickly apparent that this particular industry was not going to recover anytime soon. We were frightened for our future, and immediately began ( like everyone else ) seeking advice and guidance for any type of assistance available. Programs via banks and mortgage holders were rapidly being announced, so we called our mortgage holder ( US Bank ) for guidance. This is when the nightmare of the pandemic we were already living became much worse. The US Bank rep told us that, due to the pandemic, there was help available to customers with mortgages in good standing, to defer 6 months of payments.. Under this program, there would be NO penalty and NO interest accrued as a result of this deferment. In 6 months, we would start paying our mortgage again, and the 6 months of unpaid principal would be carried until the end of the loan. As an extremely hard -working couple preparing for retirement and doing everything possible ( including added principal payments each month ) to eliminate debt for our aging future, this deferment was NOT something we wanted to do. In fact, the very thought of it made me feel physically ill. However, as we watched our livelihood crumble around us, we decided it was the least horrible option. Had we known then what we are being told now, we NEVER would have accepted this help, because we are now in a far worse position than we were before we received the help! I can not fathom how ending up with a mortgage balance almost {$12000.00} higher than it was when we began our 6 -month deferral could possibly be considered HELP! We were instructed to login into our account and complete the program online, which my husband did. We received a letter from US Bank dated XX/XX/XXXX which stated that we were valued customers and went on to say, Each day brings new laws and guidance, often impacting communications we are regularly sending. By listening to your feedback, we realized that the initial letter we sent advising of the requested assistance may not have been clear The attached letter did not clarify any more details than we already had that our payments were suspended for 6 months. It also stated our relationship manager would be in contact with us throughout the forbearance period, we have never heard from XXXX XXXX during this entire process. We spent the months to follow focused on getting back on our feet and doing what we could to make an alternative living. By the end of XXXX, we had regained enough confidence to begin making our mortgage payments again, so we called US Bank in the beginning of XXXX. We were told by the rep we spoke to that we were NOT ALLOWED to make payments until the 6 -month deferral program ended. There was paperwork that needed to be signed that could only be sent by mail, etc, etc. We asked them to please send the paperwork asap. We called 3 different times after that looking for the paperwork, and when we finally received the paperwork in XXXX we saw that our loan balance had increased by almost {$12000.00}!!!. This was a horrific shock to us, since the program we had signed up for promised no interest and no penalty. So based on those terms there should have been a net zero difference in our principal balance. So, we called immediately. And we were told that once we began making regular payments again ( which we COULD NOT DO until the paperwork was signed and returned ), the system would correct itself ( which they warned us would take at least two months of statements ). We were assured our principal balance would be adjusted, so we trusted our bank, signed the paperwork, and waited. We also tried to pay our escrow funds back which we were told couldn't happen until the system updated! We did ask if we could receive an email of confirmation, but they said no, they are not allowed to send outgoing emails. They assured us that all of these notes were in our file, etc, etc. The same day we mailed the required paperwork, we called and made our first payment and as soon as the system allowed, we reset our auto payments and have since made a total of 4 post deferral payments. In XXXX we paid {$2200.00} back to our escrow account. ( As a side note : We also made additional {$500.00} principal payments and denoted the same on the remitters along with our checks for XXXX and XX/XX/XXXX, and as of yet one of the payments has not been applied to the principal balance. ( As you can ascertain, this whole process has been a complete MESS! ) Since XXXX we have called US Bank repeatedly, spending hours of stress and frustration, going through the same conversation over and over again with countless reps. We were told repeatedly that the system needed time to catch up, and our balance would be corrected. Our online account continues to show 3 different balances ; one $ XXXX, one $ XXXX, and one $ XXXX. When we call, they tell us the current principal balance is $ XXXX, but they are unable to give us an accounting detail to explain why. They just say -it is. How could our principal balance have increased to XXXX, when the deferment started our principal balance was {$230000.00}? Nobody has been able to answer this question. We asked each time to speak to a supervisor, to no avail. We asked to be assigned to one rep, so that we had one person who understood our case, to no avail. The relationship manager assigned, XXXX XXXX has never been able to be reached, the extension number given only rings, never goes to voicemail and most times the line gets disconnected. Finally, on Wednesday XX/XX/XXXX, we made it to a rep named XXXX who asked if we had a case manager!!! He gave us a direct phone number, a first and last name AND an extension, again XXXX XXXX! We were beyond ecstatic perhaps we would finally be able to reach her. He then transferred us, and surprise XXXX XXXX was not available, but we got a woman named XXXX. Again, we went through the entire scenario and XXXX said, I dont understand these numbers and I need to send this to our research department for further review. The first time in 5 painful months that we had heard any mention of the possibility of a department who could research our pleading case. She said they typically respond in 1-2 business days and she would call us THE MOMENT she heard something. Of course, we had heard this promise many times before. Again, we asked for confirmation of any kind, and she said there was no way to do this, but assured us that she noted everything in our file. We asked for her extension so that we could call her if we did not hear back from her. She did not want to give it to us, but finally she did. Of course, we did not hear from her, so we called on Friday ( XX/XX/XXXX ) afternoon and entered her extension. The phone rang and rang for over two minutes, with no voicemail, no redirect, no response. Who knows if she even gave us a real extension? This is our countrys banking system that we are supposed to trust?! So, we hung up and called again and again, until we got another rep who could not help us, but what a miracle, she actually had a Supervisor, and we were able to speak to her! XXXX! XXXX was our first, tiny ray of hope in this nightmare. She said she can not see any detail on how these balances have been calculated, but that we should write an appeal letter and gave us this address. So here we are. Distraught beyond words that this sort of mess can occur. The pandemic has been devastating enough, without being completely taken advantage of by our own bank! There are SO many ways this is wrong, and we will not let this rest until it is resolved and made right. On behalf of all fellow Americans, who work their tails off their whole lives, pay their bills and taxes on time, keep excellent credit, and NEVER EVER ask for a handout, we will fight this. Thank you in advance for your immediate attention on this very urgent matter, CC : Maine State Legislators NH State Legislators | ||||||
| 10/24/2023 | Yes |
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| XXXX XXXX Account number XXXX Entitlement order Adverse Claim XX/XX/2023 i received mail from us bank at my home, the enclosed letter informed me that my account wa being closed and all the funds being returned to me due to my previous behavior at the bank and issues i had resolved with the banks employees. I reached out the the company and was told I can no longer contact them for any information about this issue. Im a filing this company today on behalf of securities fraud, I ask to Ive my original issued securitiy which a financial asset retracted and never got a response. Regardless of the reason for my account supposedly being closed have that right and withholding my securities is securities fraud! This institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! Also according to Section 1308.51 Securities account - acquisition of security entitlement from securities intermediary - UCC 8-501. Ohio Revised Code/ Title 13 Commercial Transactions/ Chapter 1308 Investment Securities ( A ) " Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( 1 ) Indicates by book entry that a financial asset has been credited to the person 's securities account ; ( XXXX ) Receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( XXXX ) Becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. ( C ) If a condition of division ( B ) of this section has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset. Either my financial asset has been destroyed, sold, assigned or transfer for unjust enrichment and I havent received any proceeds from the interest earned .it is my property and o have securities entitlement is bank is just a securities intermediary. If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. ( XXXX ) Issuance of a security is not establishment of a security entitlement so it still belongs to me and Im making claim to all property, principal and all interest earned from my face-amount certificate. writing that is a security certificate is governed by this Article and not by Article 3, even though it also meets the requirements of that Article. However, a negotiable instrument governed by Article XXXX is a financial asset if it is held in a securities account. I am aware of all of the facts and i am making and advers claim to all securities that belong to Me.. XXXX. NOTICE OF ADVERSE CLAIM. ( a ) A person has notice of an adverse claim if : ( XXXX ) the person knows of the adverse claim ; ( XXXX ) the person is aware of facts sufficient to indicate that there is a significant probability that the adverse claim exists and deliberately avoids information that would establish the existence of the adverse claim; or ( XXXX ) the person has a duty, imposed by statute or regulation, to investigate whether an adverse claim exists, and the investigation so required would establish the existence of the adverse claim. ( b ) Having knowledge that a financial asset or interest therein is or has been transferred by a representative imposes no duty of inquiry into the rightfulness of a transaction and is not notice of an adverse claim. However, a person who knows that a representative has transferred a financial asset or interest therein in a transaction that is, or whose proceeds are being used, for the individual benefit of the representative or otherwise in breach of dut has notice of an adverse claim. XXXX. ACQUISITION OF SECURITY OR FINANCIAL ASSET OR INTEREST THEREIN. ( C ) A person who acquires a security entitlement to a security or other financial asset has the rights specified in Part 5, but is a purchaser of any security, security entitlement, or other financial asset held by the securities intermediary only to the extent provided in Section 8-503. Section 1308.57 | Duty of securities intermediary to comply with entitlement holder - UCC 8-507. Ohio Revised Code /Title 13 Commercial Transactions /Chapter 1308 Investment Securities A ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : A ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : Ohio code Section 1109.36 Underwriting and dealing in guaranteed and acceptable debt securities. Ohio Revised Code / Title 11 Banks-Savings and Loan Associations/ Chapter 1109 State Banks- Powers the extent permitted by and subject to any limitations and restrictions the superintendent of financial institutions may impose, a state bank may underwrite and deal in investments in the form of bonds, notes, debentures, or other debt securities that are any of the following : ( A ) The direct obligation of or guaranteed by the United States ; ( B ) The direct obligation of or guaranteed by any state of the United States or any political subdivision of any state of the United States ; My deposit is also insured by fdic and should be remitted to me but has not in the form of interest payments, Section 3953.231 | Establishing and maintaining interest-bearing trust account for deposit of non-directed escrow funds. Ohio Revised Code /Title 39 Insurance /Chapter 3953 Title Insurance ( A ) ( 1 ) Each title insurance agent or title insurance company shall establish and maintain an interest-bearing trust account for the deposit of all non-directed escrow funds that meet the requirements of sections 1349.20 to 1349.22 of the Revised Code. ( 2 ) The account shall be established and maintained in any federally insured bank, savings and loan association, credit union, or savings bank that is authorized to transact business in this state. ( 3 ) The account shall be in the name of the title insurance agent or company, and shall be identified as an " interest on trust account '' or " IOTA. '' The name of the account may contain additional identifying information to distinguish it from other accounts. ( 4 ) The title insurance agent or company establishing the account shall submit, in writing, to the superintendent of insurance the name, account number, and location of the bank, savings and loan association, credit union, or savings bank in which the trust account is maintained. ( B ) Each title insurance agent or company shall deposit all non-directed escrow funds that are nominal in amount or are to be held for a short period of time into the account established under division ( A ) of this section no later than the next business day after receipt. ( C ) Each account established under division ( A ) of this section shall comply with all of the following : ( 1 ) All funds in the account shall be subject to withdrawal or transfer upon request and without delay, or as soon as permitted by law ; ( 2 ) The rate of interest payable on the account shall not be less than the rate paid by the bank, savings and loan, credit union, or savings bank to its regular depositors. The rate may be higher if there is no impairment of the right to the immediate withdrawal or transfer of the principal ; ( 3 ) All interest earned on the account, net of service charges and other related charges, shall be transmitted to the treasurer of state for deposit in the legal aid fund established under section 120.52 of the Revised Code. No part of the interest earned shall be paid to the title insurance agent or company. ( D ) The title insurance agent or company establishing an account under division ( A ) of this section shall direct the bank, savings and loan association, credit union, or savings bank to do both of the following : ( 1 ) Remit interest or dividends on the average monthly balance in the account, or as otherwise computed in accordance with the standard accounting practice of the bank, savings and loan association, credit union, or savings bank, less reasonable service charges and other related charges, to the treasurer of state at least quarterly for deposit in the legal aid fund established under section 120.52 of the Revised Code ; ( 2 ) At the time of each remittance, transmit to the treasurer of state, and if requested, to the Ohio access to justice foundation, and the title insurance agent or company, a statement showing the name of the title insurance agent or company for whom the remittance is sent, the rate of interest applied, the accounting period, the net amount remitted to the treasurer of state for each account, the total remitted, the average account balance for each month of the period for which the report is made, and the amount deducted for service charges and other related charges. ( E ) The statements and reports submitted by the bank , savings and loan association, credit union, or savings bank under this section, are not public records subject to section 149.43 of the Revised Code and shall be used only to administer the legal aid fund. ( F ) No funds belonging to a title insurance agent or company shall be deposited into an account established under division ( A ) of this section except funds necessary to pay service charges and other related charges of the bank, savings and loan association, credit union, or savings bank that are in excess of earnings on the account. ( G ) No liability arising out of any negligent act or omission of any title insurance agent or company with respect to any account established under division ( A ) of this section shall be imputed to the bank, savings and loan association, credit union, or savings bank. ( H ) No liability or responsibility arising out of any negligent act or omission of any title insurance agent with respect to any account established under division ( A ) of this section shall be imputed to a title insurance company. As the executive officer and primary shareholder i demand all proceeds in connection with this extension of credit and and securities account. | ||||||
| 07/09/2018 | Yes |
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| I would like to file a complaint against US Bank specifically related to their processes and practices for reviewing requests for removal of private mortgage insurance ( PMI ). We purchased our house in XX/XX/XXXX for {$450000.00} with a down payment of just under 10 %. Because our down payment was less than 20 %, weve been paying $ XXXX/month in PMI. In early XXXX, I knew our home had appreciated substantially in value XXXX estimates were around $ 570k and XXXX was around $ 540k. I frequently track sales in our area against XXXX and XXXX estimates and found that homes often sold for somewhere between the two estimates but rarely much below XXXX. In XX/XX/XXXX I contacted US Bank about the process for removing our PMI. They sent me a letter explaining the process. Wed need to send {$650.00} for an appraisal, and the loan to current value ( LTCV ) ratio would need to be 75 % or lower for the PMI to be removed. Wed also have 4 months to pay any additional principal needed get below that value if the appraisal was not high enough. Based on our loan value at the time, I knew the house would need to appraise for around $ 520k to qualify for automatic PMI removal. I was confident that it would and ordered the appraisal. US Bank works with what they present as a 3rd party company to perform the appraisal XXXX XXXX XXXX XXXX. More on this later. The appraiser visited our home on XX/XX/XXXX. I explained to the gentleman doing the appraisal that wed replaced all of the floors in the entire house since buying it carpet upstairs and in the basement, hardwoods on the main. After a couple of weeks, in early XXXX, we hadnt heard anything so I called US Bank. Their customer service rep told me that based on the appraisal our LTCV was above 75 % and thus they would not be removing PMI. They sent me a letter with the appraisal and a description of next steps. I reviewed the appraisal and immediately had some major concerns. Letter and appraisal are attached. I contacted US Bank about contesting the appraisal. They sent me a letter outlining the process ( attached ). Ive also attached our letter contesting the appraisal. My main concern was that the appraisers measurement of the square footage was too low. I provided 2 separate sources with higher square footage both the appraisal from when we purchased the house and county records had higher square footage numbers. Applying the difference ( ~170sq ft ) to the per-square-foot value from the XXXX XXXX appraisal gave us enough extra value to qualify for immediate PMI removal. When I started digging into the details, I noticed another oddity about the appraisal that led me to believe US Bank intentionally misstated the appraisal to prevent us from removing our PMI. The appraisal letter was dated XX/XX/XXXX, meaning wed have until XX/XX/XXXX to pay enough principal to reduce our LTCV below 75 % based on the appraised value. Using our mortgage amortization schedule and the principal balance after we make our XX/XX/XXXX mortgage payment, the house would have needed to appraise for {$510000.00} to qualify for automatic PMI removal within the 4 month window ( i.e. without us making any additional payments outside of our normal monthly amortization ). The appraisal was based on comparing our house to 3 comparable home sales. Adjusting our home value based on how it stacked up against the 3 comps came up with an average value of {$510000.00}. Yet for some reason, the appraiser rounded down to {$510000.00}, which meant that we did not qualify for automatic PMI removal. When I called US Bank, I told the customer service representative that it seemed like they worked with the appraiser to get a value that was advantageous to US Bank. They told me that was impossible because they work with a 3rd party. I sent my appraisal contest letter on XX/XX/XXXX. On XX/XX/XXXX, I hadnt heard anything back so I called US Bank. The US Bank Customer Service Rep told me that she was going to send the contest letter over to their 3rd party firm to review but that they may ask for new comparable homes. I explained to her that I thought the comparable homes the appraiser selected were appropriate. The square footage for our house was wrong and thus the appraised value was too low. Adding back the missed square footage still left our house within the same ranking of the other 3 homes in terms of square footage. In other words, it did not suddenly make our home too large to be compared to these other 3 homes so they were still fine comparables. The US Bank rep told me Id hear back in a couple of weeks. Five weeks later, on XX/XX/XXXX, I hadnt received anything in the mail so I called US Bank. The US Bank rep told me theyd just received the report back from the 3rd party firm and that they would be running it through their system ( whatever that means ). She said I could call back in a couple of days ( on XX/XX/XXXX ) to get an update or wait for the letter. Later that day on XX/XX/XXXX, the man who performed the appraisal called my wife and asked if he could come back out and take more measurements. We wanted to wait until we heard back from the bank before deciding if it was appropriate to let him take more measurements. On Thursday XX/XX/XXXX, he came by our house and went into the backyard. My wife did not answer the door. He left his business card at the front door. It listed him with XXXX XXXX XXXX Services but his email address XXXX. This confirmed my suspicions that he was not a true third party independent of US Bank. On XX/XX/XXXX, I called US Bank for an update. I was told the letter they sent out was the wrong letter and that they would be sending a new one. I still hadnt received a letter. I told them I wanted to know whether or not theyd agreed that the appraised value was too low because of the missing square footage. The rep put me on hold while she talked to someone. She came back on and told me that the third party firm would not review our appraisal contest unless we provided 3 new comparables. At this point I was pretty flabbergasted. First of all, the letter from US Bank outlining what to do when contesting an appraisal said that I could provide new comparables but I didnt have to. I told them that the only issue was the missing square footage and that the comparables were fine. I spoke to two different senior reps at US Bank and they both told me they couldnt do anything the 3rd party firm was requiring 3 new comparables before they would even consider our contest. I tried to call the 3rd party firm, XXXX XXXX XXXX XXXX. Their website listed a phone number for customers to contact them. It also listed them as a wholly owned subsidiary of US Bank. I called the number but it went to voicemail it instructed US Bank customers to contact the mortgage insurance department at US Bank. When speaking to the 2nd US Bank Senior Rep, I requested to talk to the appraisal firm because I didnt understand why they were requiring 3 new comps. He told me that US Bank didnt allow customers to speak to this firm. After this, I contacted US Bank 's consumer advocacy group. They told me that XXXX XXXX XXXX XXXX is an independent source of governance because US Bank uses them for a majority of their appraisal services. As a XXXX formerly employed in the XXXX side of a big XXXX XXXX XXXX, I know that this is not how independence is defined. In fact, it's the opposite.They also said that XXXX XXXX stands by their appraiser 's measurements and those supersede the other evidence I'd provided. They did not explain why the appraiser contacted us to come back for more measurements on XX/XX/XXXX after I called US Bank. Here is what I know objectively to be true : The appraisal for PMI removal was done by a wholly owned subsidiary for US Bank, XXXX XXXX XXXX XXXX. Multiple different US Bank Customer Service Reps told me it was done by a 3rd party firm. The price of {$650.00} for the appraisal was much higher than other firms. The appraised value of {$510000.00} was based on an erroneously low square footage measurement. We needed an appraised value of {$510000.00} for immediate PMI removal and {$510000.00} for automatic PMI removal within the 4 month window based on our mortgage amortization schedule. The appraised value of {$510000.00} was rounded down from an average {$510000.00} in comparables per the appraisal report. The appraised value was significantly below external market sources. I understand XXXX / XXXX are not appraisal services but their values for home sale values do follow a certain pattern and are not off by the magnitude that they were off in our case. Despite US Bank telling me that XXXX XXXX would not review our appraisal unless we sent 3 new comps, the XXXX XXXX appraiser called us on XX/XX/XXXX and asked to come back and take more measurements. We enlisted a realtor to look at selling our house in XX/XX/XXXX and she recommended listing at {$550000.00}. On multiple occasions, I had to call US Bank after 2-4 week delays to ask for updates. The 4 month window to pay down additional principal remained fixed. Here is what I believe to be true : US Bank and XXXX XXXX XXXX XXXX worked together to perform an appraisal on our house that would guarantee we wouldnt qualify for automatic PMI removal unless we took action to pay down additional principal within the 4 month window. They misstated square footage. They made other adjustments in their comparables approach that had no logic or support. They rounded down for no reason, crossing over a key threshold for automatic PMI removal. US Bank and XXXX XXXX XXXX XXXX continually delayed my requests for remedial action, hoping that the 4 month window would close. US Bank and XXXX XXXX XXXX misrepresented the remedial actions I could take. I believe Ive paid {$650.00} in PMI to US Bank ( XXXX through XXXX payments, $ XXXX/month ) that should be refunded. I would also like a refund of {$650.00} for the appraisal. My wife and I decided to pay additional principal in XXXX to guarantee that the PMI would be removed going forward. | ||||||
| 10/05/2018 | Yes |
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| I've also taken my USBank complaints to the XXXX, which I suggest everyone here also file complaints with both this site, the CFPB, and also the FTC, and XXXX organizations for anything to do with USBank and have them posted so other consumers can find out about all the issues. USBank has been sued for changing the posting dates on transactions in order to make customer 's accounts overdraft. That lawsuit happened in XX/XX/XXXX. As of XX/XX/XXXX, they are still rearranging posting dates for transactions in order to overdraft accounts because they did it to me. This complaint is many predatory things snowballed into one and under credit line problems because that is the biggest issue, out of many. I wish this could be also categorized simultaneously as a predatory overdraft ( from them messing with transactions to make the consumer incur overdraft fees ) posting complaint. Here is the whole story of what US Bank has done and how it ties together : XX/XX/XXXX is what started the breaking point of me vehemently hating USBank. I had been a USBank loyal customer for 16 years. I set up the account when I got my first job in high school in XX/XX/XXXX, with my mom on it since I was a minor. Her name was on my main checking account until I closed it in XX/XX/XXXX. XX/XX/XXXX I had {$72.00} stolen from me from USBank after they held and rearranged the posting dates on my XXXX {$9.00} charge. I waited for XXXX to come out of my account in a day or two, which it normally did. On XX/XX/XXXX ( the charge date is XX/XX/XXXX for XXXX and it goes through pretty much immediately ) the charge still had not gone through. It was the last {$10.00} in my account. So I thought for some reason, it hadn't gone through or I had entered my payment account wrong. ( Seriously, 4 days! ) So I canceled and changed the payment method on XXXX to my 2nd account and transferred the {$10.00} to my 2nd account - this is a transfer from one of my accounts to my other checking account, so from me to me. I should have print screened my account on XX/XX/XXXX and XX/XX/XXXX. ( You should never have to watch your bank like a thief and print screen and make copies of everything every day, but with this bank you have to due to their rearranging posting dates and transactions! ) It was all fine when I was done on XX/XX/XXXX. XXXX paid from 2nd account and the {$10.00} moved. Well, XX/XX/XXXX, USBank finally had seen that there was no money in my main checking and allowed the transaction to go through after 5 XXXX days! 5 DAYS! And get this! It took 5 days, but they post dated the transaction for XX/XX/XXXX! XX/XX/XXXX!! So they charged me an overdraft for the {$10.00} that wasn't there to pay XXXX, and they posted it for having gone through on XX/XX/XXXX! LIES! I checked my account XX/XX/XXXX. Hadn't gone through. Checked it XX/XX/XXXX and it hadn't gone through, so I did the above mentioned transfer. On XX/XX/XXXX, because that {$10.00} was moved to my other account, I got charged a 2nd overdraft fee for invisible money being moved to my 2nd account! Yes, they charged me a 2nd overdraft for when I moved the {$10.00} that was physically still showing on the balance as of XX/XX/XXXX, for supposedly not being there, on XX/XX/XXXX for being moved to my 2nd account. Here 's the thing about moving money between your own accounts. If there isn't money in there, you can't move anything, it shows up in red ( negative ) and the transaction won't work. No red, no warning that there wasn't 'available funds ' like it normally does when moving money from accounts. The transaction went through fine on XX/XX/XXXX because the money was still there. So I got overdrafted after they held on the posting of the transaction so long that I moved the money and paid from a different account, then they charged me another overdraft for moving the {$10.00} on XX/XX/XXXX, that all of a sudden XXXX was posted as being paid XX/XX/XXXX, when actually, it was on XX/XX/XXXX since I had been logging every day to watch.If I had a screen shot on XX/XX/XXXX and XX/XX/XXXX it will show that it most definitely was not there on XX/XX/XXXX. LIES, LIES, LIES! SERIOUSLY AVOID THIS BANK! They are still practicing illegal and predatory practices holding and rearranging transactions to do whatever they can to charge you over draft fees and steal your money. Just wait, it gets worse. My being held & screwed over doesn't end yet. So that was XX/XX/XXXX, happy XXXX, my bank stole {$72.00} I didn't have and was more than the {$40.00} for food that month I had planned to buy. Hungry XX/XX/XXXX! I had to move out of my apartment 2 weeks later because I was living with a psycho was breaking into my room and trashing my stuff suddenly, then two weeks after that my XXXX XXXX of a XXXX entitled male 'good ole XXXX boys club ' kinda of boss suddenly fired me and the only other female employed, on XX/XX/XXXX ... while I was on holiday vacation. So XX/XX/XXXX I closed my USBank account because I could not afford to loose the last {$7.00} I had in my account to their 'monthly account maintenance fee ' XXXX charge. So I closed it and withdrew my money. I had a credit line I couldn't make payments on due to being unemployed. When I found employment few months later I sent in small payments, which is what I could afford. However, between trying to salvage my student loans, credit card with a higher interest rate and even higher, immoral late fees, and catching up on the {$1700.00} I owed in utilities, food, and rent while being unemployed, along with having a XXXX cat and my own health problems from being exposed to pigeon XXXX, mouse XXXX, and XXXX mold in the job I had up until XXXX, I couldn't continue to afford payments and living expenses. USBank has treated me so poorly after being a customer for so long by rearranging and messing with the posting dates of my transactions ( wasn't the first time it happened, I'd noticed fishy things happening with posting/transaction dates before, but none of them had been successful in overdrafting my account before ), I had to stop paying on the credit line because it was too much and the interest was killing me ... I have been living off of about {$40.00} a month for food since being employed again. USBank has a ridiculously high interest rate on the credit line, something like 24 %, even though I had excellent credit whenever I got it in early college and had had it for years and never missed a payment. This is where the immorality of this company really shines. The ridiculous high interest rate on my credit line? Many years before, back in XXXX or XXXX, I believe it was XX/XX/XXXX because I have it written in a planner, when I was still in college and my credit was in the high 600 's to 700 's, I went into my local USBank branch in XXXX, ID and asked for a lower interest rate. I was told if they attempted to run my credit to get me a better interest rate and my credit wasn't high enough, it would actually harm my interest rate and it could possibly go up. They best thing for me to do was to have a cosigner with good credit on my credit line with me to try to get a better rate than what I currently had. Young, naive little me. I should've recognized the scare tactics. instead of having them just try my credit, which I knew to be good, I asked my mom to be on my credit line with me to try to lower the interest rate. She lived in my hometown, 11 hours away, so they faxed the paper to her to sign at her local USBank branch and have them fax it back to mine. I was sitting at the female bankers desk who was helping me, and another, young male banker, brought the fax over and told us that my mom couldn't be on my credit line because she already had her own USBank credit, and someone can't have their own and be on someone else 's at the same time, kind of a security measure. I should have had them try my own credit. So I walked out of there with that 2nd account that I mentioned in the XX/XX/XXXX, instead of a better interest rate. Which I believe was their goal all along. Don't let ppl get lower interest rates, and push them to open other accounts, because more accounts and new accounts looks good for them. There was no reason for me to get a 2nd checking account, it didn't help anything, but I think the banker, ( I know her name and have her card and the paperwork from opening that 2nd account still so I have proof and can identify one of the bankers who screwed me over that day ) had a quota to make for that month. So bottom line - their own policy says my mom can't be on my credit line. Fast forward to XX/XX/XXXX, and after closing my USBank accounts and having problems with paying on my credit line, guess who they're saying is still somehow on my credit line and accountable? My mom, who has her own credit line and as such can't also be a signer on mine! She has told them what they told me and they keep harassing her, calling her at XXXX or XXXX at XXXX! I can NOT believe the FRAUD AND DISRESPECT of this company. When I was getting mail from them, on the back of the envelopes it said " XX/XX/XXXX/XX/XX/XXXXaward for most ethical company. 3 years in a row '' or something like that. XXXX! They are NOT ETHICAL! Look at all the lawsuits : Multiple XX/XX/XXXX class action overdraft transactions lawsuits for XXXX of dollars, XX/XX/XXXX banking fraud settlement for millions for bad mortgages involved in the XX/XX/XXXX housing crisis and collapse, XX/XX/XXXX lapses in money laundering fines, look up all these. Yet they get an 'ethical company ' award for 3 years in row? Please anyone reading this description, please do not do business with this company! My sister got rid of US Bank year ago after they also rearranged transactions and screwed her over and had high interest rates and she's been with a credit union for many years now. Everyone I know, except for my poor loyal mom and grandparents, has gotten rid of this company! | ||||||
| 07/19/2018 | Yes |
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| On XX/XX/XXXX, I secured a job in the area of XXXX XXXX with XXXX ; XXXX XXXX XXXX ( XXXX ). While working for XXXX, I was in the process of a modification for my mortgage with XXXX XXXX XXXX XXXX aka US Bank. Throughout the period of my employment with XXXX I remained in constant communication with US Bank. Periodically I would return to XXXX XXXX to check on my home. On XX/XX/XXXX, I returned to XXXX, XXXX to respond to a court case of identity theft. Since the power was temporarily suspended at my home, I elected to stay at a hotel. In XXXX and XXXX I was the victim of identity theft. XXXX XXXX XXXX XXXX was charged with allowing my financial information to be compromised. The Court found XXXX liable and ruled in my behalf. The next day I went to check on my house and found that it had been vandalized. Several items had been stolen, including the contents of my safe deposit box which was hidden behind a wall in the downstairs closet. This included not only jewelry but cash and currency which I had collected over the years from my international travels. Additionally, my custom blinds were broken, the floor was littered with trash from food wrappings, taped personal storage boxes had been unsealed and rummaged through, and my garage door was broken. The nature of the trash suggested that someone had been living in my home. ( See pictures taken ) ( Attachment # 1 ). The police was contacted and a report was filed which included forensics. ( See attachment # 1 ). When I advised US Bank of the vandalism they suggested that I contact the two companies they had hired and had given access to enter my house. The companies were XXXX XXXX XXXX and XXXX XXXX, a Property Preservation Company. ( See attachment # 2 ). I had not authorized US Bank access to my home nor had I authorized any third parties access to my home. These companies were provided access without my knowledge. As such, US Bank assumed a fiduciary responsibility for the security of my home and should be liable for any theft or damage which occurred. After the police report was completed, I returned to the XXXX XXXX area. The next time I came down I discovered that a cypher lock, the type which used to be used by real estate agents, was attached to my back door. This lock apparently held a key to the new dead bolt lock. There was evidence around the hole for the dead bolt that it had been forcibly removed ( bent metal with sharp edges ) in order for the new dead bolt lock to be inserted. Inside the house were visitation sign-in sheets from various companies The dates on the sign-in sheets were XX/XX/XXXX and XX/XX/XXXX. However, nothing was taken at that time because everything was in storage and I was not completely moved back. ( See XXXX signing sheet ) ( Attachment # 2 ) After notifying US Bank of the horrible situation and after I sent them via e-mail the pictures of the vandalism from XX/XX/XXXX, I was under the impression that since I requested that US Bank send an inspector to see the damages that they was going to comply. These pictures were sent to Ms. XXXX XXXX. The last communication that I had with Ms. XXXX was on XX/XX/XXXX and XX/XX/XXXX when I sent the pictures again. I never heard from anyone at US Bank despite the many telephone messages and inquiries concerning this vandalism. Because I was unable to complete a required certification, my employment with XXXX was terminated. Around XX/XX/XXXX, I entered into a forbearance agreement with US Bank. The forbearance required that I call US Bank every XXXX of month and report to them the status of my job search. I did so until my car accident on XX/XX/XXXX. At that point I could not call US Bank. As a workaround, I provided my ex-husband, XXXX XXXX with a power of attorney to inform US Bank of my condition. Mr. XXXX tried on numerous occasions to contact the bank and inform them of my accident but US Bank would not speak with him. On my behalf Mr. XXXX submitted a mortgage loan modification to US Bank but a response was never received. ( See attachment # 3 ). Because my mortgage payments are in arrears, US Bank has initiated several ( apparently ) automated foreclosure sales on my home since XX/XX/XXXX. Each sale was suspended due to agreements I was able to reach with US Bank. On XX/XX/XXXX, I was once again the victim of a break-in while I was out of the house. This time there was no evidence of forced entry and the previously replaced dead bolt lock was unlocked and the door left open. Among the items missing/taken were a brand new TV, remote controls, and a fairly new XXXX Cellphone. The thief either had a copy of the dead bolt key or had access to the previously mentioned real estate lock box hanging on the door. Again, I called the police and a report was filed. ( See attachment # 4 ). I find several actions by US Bank to be questionable and lacking empathy. They have assumed no liability for my losses which occurred due to their lack of oversight. They have showed me no compassion and no respect for my privacy and well-being. In XXXX after I secured my job with the XXXX, I purchased an umbrella policy with XXXX XXXX XXXX in XXXX XXXX. In addition to the theft inside my home, there was also storm related damage to the outside of my home. During my time in the XXXX area, a tree in my front yard had snapped from storm winds and damaged the gutter on the front of my house. There was also damage to the front railings, front storm door and the fence. As a result, two ( 2 ) Claims were filed with XXXX XXXX XXXX XXXX. The insurance company has adjudicated the claims, found them to be valid, and awarded payment for repair in the form of checks issued under my name and US Bank. I endorsed the checks and forwarded each to US Bank for their endorsement and placement in escrow for the payment of repairs : 1. Check # XXXX XXXX in the amount of {$1400.00} and 2. Check # XXXX XXXX in the amount of {$4000.00} ( See attachment # 5 ). We have gone back and forth several times on what is covered by the insurance company funds. This has delayed repairs. The gutters were finally replaced by XXXX on XX/XX/XXXX ; however, I still need to repair the railing which have an estimated repair cost of {$1600.00}. On XX/XX/XXXX, I received a check from US Bank in the amount of {$1000.00} under my name and the name of XXXX for the repair cost of the gutter. The deposit of this check has been delayed pending endorsement by XXXX. ( See attachment # 6 ). On XX/XX/XXXX, an e-mail was received from XXXX, the contractor who will be performing the work. According to this e-mail, the contractor informed me that in order for them to order the materials and provide me with an installation date, they will need 100 % payment upfront. ( See attachment # 7 ). On XX/XX/XXXX @ XXXX XXXX is my court date to answer for the repair of these two items. The Judge has already provided me an extension. As such, no more extensions will be granted. ( See attachment # 8 ). XXXX XXXX XXXX XXXX, despite several calls and letters, has withheld payment for the railing. Their actions have placed me on the verge of violation of a court order. Without the insurance funds I do not have the money to cover the cost of the repairs. US Bank has been unresponsive to the urgency of the matter even though they have received the necessary funds from the insurance company to cover the cost of the repairs. US Bank is refusing to promptly provide me with the necessary funds to fully comply with the summons. On XXXX, XXXX, XXXX, I received a letter from US Bank stating that due to the bankruptcy status of my account, the requested copy of the XXXX XXXX check was sent to my bankruptcy attorney, XXXX XXXX XXXX. This is a clear abuse of authority. ( See attachment # 9 ). I sent a response to US Bank stating that this is not the first, second and third time that I have requested these checks. I have contacted US Bank on numerous occasions to no avail. I informed US Bank that those checks were endorsed and sent to US Bank long before I filed for bankruptcy. Insurance company funds should only be used for repairs base on the submitted claim, not for mortgage payments. US Banks actions have forced me to file for bankruptcy in order to protect my home and the harassment suffered as a result of my last modification. US Bank authorized third parties to enter my home without my acknowledgement which resulted in my home being vandalized and damaged. Because of their lack of oversight I do not feel safe in my own home. US Bank has failed to protect me and my home. This failure has cost me thousands of dollars resulting from theft. And their delay in forwarding the necessary insurance funds for needed repairs has left me vulnerable to court charges. Their actions appear both unethical and unprofessional. US Bank was informed that the insurance claim funds should have never gone to the attorney, XXXX XXXX XXXX since the repair mandated by the City and Court needs to be done by me and most importantly it needs to take place before XX/XX/XXXX. US Bank has been made aware that the Judge would not be granting me any other extension. This action by US Bank shows a stunning lack of empathy for the customer. Lastly, I informed US Bank that I will do and seek any methods necessary to have all these issues investigated by the appropriate authority. I have been in communications with the Detectives from the XXXX XXXX in XXXX XXXX and the XXXX Attorney concerning the theft which occurred in my home. Even more disheartening, the detective handling the case has informed me that no one from US Bank or any of the companies they authorized to enter my home has returned his calls. I hereby request that an investigation be initiated as to the instruction/conduct/harassment and ethics of US Bank. This request constitutes a lawful demand for information and for compensation for everything that was stolen and damaged in my house. | ||||||
| 04/03/2021 | Yes |
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| Friday, XX/XX/XXXX This complaint is an addendum and follow up to the original complaint filed : the number is XXXX, as US Banks bad behavior just won't quit. Apologies for the typos in the XXXX letter. This is what happens when you have a life outside of having to put up with US Banks poor treatment of you. The list is so long I can not even discuss everything here. Luckily I was able to capture most of it in the previous letters and this one. While I am still waiting to hear back from XXXX XXXX XXXX promised to call me on XX/XX/XXXX ), and now XXXX XXXX XXXX XXXX promised to call me on T, XX/XX/XXXX ), a third party that has no access to my personal checkings and savings accounts, has now brought to my attention that US Bank is claiming that they closed my accounts for me. As usual, absolutely no calls or emails to me on this from the folks that promised to call me back to help resolve this. As usual, theyre always pulling their underhanded games when I in fact closed my account officially on XX/XX/XXXX when I notifed the XXXX, XXXX in email. I am through with all of their sly and low-balling games. XXXX XXXX confirmed with me in early XXXX that their standard is for the person that I reach out to that is supposed to call me back within XXXX hours or sooner is supposed to call me back within that time frame. They have rarely upheld themselves to this standard as evidenced in all the emails sent to you so far, among so many other standards they never adhere and uphold to with me. They are also speaking to a third party about my private personal and checking accounts and not directly to me even after Ive already told them that I wont accept their slow mail anymore as a result of how badly theyve treated me for so long. US Bank continues their unethical practices with their untrustworthiness, lies, stonewalling, passive aggressiveness, etc. While they are claiming that they closed my accounts for me, I closed them on my own accord finally after many forewarnings I provided them, as a result of all of their negligence in refusing to respond to my multiple attempts to reach out to them about an original concern that they refused too resolve effectively and efficiently. XXXX XXXX has a track record of her negligence, excuses, stonewalling tactics, etc, years before I finally submitted my official closing of my accounts in my final email to XXXX XXXX on XX/XX/XXXX. She's never in her office every time I call, or she stepped out, I leave a message, she never calls back. or she has someone else calls me when I need to talk to HER! Shes always on vacation. The front has lied to me saying she is not in the office when I found out through others that she in fact IS in her office, etc. So many occasions this happened now. Back to the final email on XXXX to XXXX This was after he promised to call me the Friday Before. As usual, no call. I follow up on the following Monday, still no call. So I sent him the email on my own accord to clos everything. Hours later that same day, Mr XXXX XXXX leaves a message on phone saying that obviously they got the email and that they are sending things in the mail. But this is premature. My new bank said the easiest way to transfer all of my funds WITH NO FEES, is to wire transfer everything over. This group has had several opportunities in the past -- - I mean, SEVERAL, and they blew every single forgiving chance I gave THEM to rectify the situation with my original request. But of course, they add insult to injury by ignoring and gaslighting me in literally every situation. The most well-behaved individual out of the lot was Ms. XXXX XXXX who would not have even reached out to me had I not taken the time to fill out one of their surveys. I am not saying that shes fantastic, but she is far better than the rest. At least that was how she presented herself to me that day. But as usual, the original problem is still not solved. This type of white collar criminal behavior ( unethical ) - the negligence, the stonewalling, the refusal to handle my funds properly -- warrants individuals in this organization like Ms. XXXX and the other offenders to be sent to prison. Their choice of behaviors with how they mis-treat customers and mishandle peoples ' money XXXX XXXX XXXX XXXX XXXX, shows me month after month, year after year that she deserves to get the same treatment from other bullies out there since this group is so quick to dish out this type of unprofessionalism and negligence. Their claim that " Our goal is to provide efficient, accurate, and courteous service, and we share our disappointment in learning we have not lived up to these expectations/standards. '' So far, based on all behaviors and negligence and horrible customer service and attitude committed to say at the very least, this group continues to lie and promise " efficient, accurate and courteous service ''. US BANK MOST DEFINITELY DOES NOT PROVIDE " EFFICIENT, ACCURATE, AND COURTEOUS SERVICE '' the majority of the time. THE EXCEPTION OF THIS IS MR. XXXX XXXX AT THE XXXX BRANCH. BUT HE IS A RARE EXCEPTI. SADLY, THE BANK IS NOT A XXXX MAN TEAM, SO US BANK NEEDS TO FIRE ALL THE OTHER MIND JOBS AND RECRUIT AND HIRE MORE XXXX 'S FOR SURE. US Bank has proven to me over and over again that their words mean nothing and I can not trust them one bit. If they wish to keep at least some shred of self-respect, they'd be very wise to re-open up all accounts so that I can re-wire back to my new bank which I like so much better and most of my family members go to others banks as such. Also, fire Ms. XXXX. Once I am DONE talking to a group that his mistreated me so poorly, I am DONE reaching out to them. And I am also done reading their mail.. I am no longer accepting anymore mail from this group, nothing. While they are incredibly lucky I showed them forgiveness and mercy and talked to them to give then time to improve, as usual, they blew it. MORE MORE! I had better see all of my accounts AT ONCE reopened and NO FUNNY FEES AND CHARGES TO MY ACCOUNTS, for me to wire my money over to my new bank. No XXXX XXXX. 1 ) This past Monday, Ms. XXXX XXXX promised me that she would reopen my accounts for me to handle my money and that she would call me the very next day Not surprising that she too, broke her promise to me, and neglected calling me back. It was also very harassing and unprofessional of her to go off on how " one should pick up the phone for something important like this ''. Firstly, in no way did I ever say to this female that i don't pick up my phone. Also, it is really none of her business if the customer chooses to not pick up the phone or not. Customers work too just like US Bank employees, but apparently she was too dense to understand this. I expect individual letters of apologies from Every person I have emailed in the records shown to you for their criminal and unprofessional behavior at the very least. Ms. XXXX, Mr. XXXX, Mr XXXX XXXX for not responding to my original which prompted me to have to reach out to Mr. XXXX in the first place, Mr XXXX XXXX, Ms. XXXX now at the XXXX XXXX XXXX and her rude employee ( XXXX XXXX XXXX that never even smiled at me and just made me stand there in silence without saying anything to me for like five minutes at a time. Newcombs employee also lied to me repeatedly and would always evade answering me when I had to ask her more than XXXX times the branch XXXX 's name. She still refused to give me the branch XXXX 's name although I asked for Ms. XXXX 's business card, and to cover herself, she then said " XXXX '' after the fact when XXXX already walked out to see me. FOR THE RECORD : XX/XX/XXXX, I CANCELLED MY ACCOUNTS WITH US BANK ON MY OWN ACCORD. BUT I STILL NEED TO HAVE THEM OPEN UP MY ACCOUNTS WITH ALL MY MONEY IN IT, ( NO FEES, ETC ), FOR ME TO TRANSFER FUNDS FROM THE APP AND THEN PAY MY CREDIT CARD BILL TOO. WHILE I SHOWED THIS TO MS. XXXX, SHE JUST IGNORED ME FOR XXXX MINUTES AT THE TIME AFTER I WOULD ANSWER ALL HER QUESTIONS PROMPTLY, THEN SHE WOULD GIVE ME SILENCE FOR XXXX MINUTES AT A TIME, WHILE MAKING ME JUST STAND THEIR IN SILENCE WITH MY PAINFUL FOOT LESIONS. THANK YOU CONSUMER FINANCIAL PROTECTION BUREAU FOR EVEERYTHING. THIS GROUP IS FULL OF LIES AND ABSOLUTELY NO INTEGRITY. PLEASE MAKE SURE THEY RE-OPEN UP ALL MY ACCOUNTS FOR ME TO TRANSFER ON MY BEFORE I WOULD HAVE TO GET SOME LEGAL ADVICE. thank you for understanding how I am legitimately livid about all of these unethical people at US Bank with Low integrity. Please have re-open my accounts for me to effectively wire all my money to my new banks of choice and thank you in Advance. 1 ) Individual Letters of individual apologies from all I emailed, called and ignored me and my original requests. 2 ) Re-open all of my accounts. 3 ) Pay for all late charges for credit card bill that is due on XX/XX/XXXX if/when they do not re-open my accounts for an efficient and effective transfer, minus all fees, charges, etc. 4 ) Call back as promised from Ms. XXXX and Mr. XXXX, XXXX. 5 ) XXXX to re-open all accounts as she had promised and to send an email confirming she did this. If not then, Ms. XXXX needs to do this. Shes the primary person who started all this mess in the first place ( in addition to all the other messes she has caused in the past ), while the others continued to add insult to injury instead of rectifying everything and providing good customer service ethical practices. No more excuses. 6 ) Refund directly while ccing me in all emails XXXX XXXX XXXX, XXXX XXXX, their {$320.00}. 7 ) Pay all the late credit card fees if/when the credit card payment that is due XX/XX/XXXX is not able to be paid since you refuse to re-open up my accounts This is beyond preposterous and 100 % UNACCEPTABLE BEHAVIOR on US Banks part. | ||||||
| 04/25/2023 | Yes |
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Web | Older American |
| In the middle of XXXX, 2023, 5 charges from my checking account were disputed as fraud. At the same time, I was attempting to secure a loan with an outside company. So, there were two things going on simultaneously. I did not learn of the 5 charges in question until a couple of weeks after the fact when someone from the bank called and had me transferred to the fraud department. There, the employee asked me a couple of questions about my account and it was then that I was alerted to the proposed fraud charges. Meanwhile, I was offered a loan with XXXX XXXX. I checked with the XXXX XXXX XXXX and the company checked out. We discussed the terms, and I agreed with everything, so the process began. I was told we would be able to close the loan the first week of XXXX. The last day of XXXX, I believe it was the XXXX, I received a phone call from the bank asking me about 2 of the charges. I went to the bank to get a print out of my account, ( the bank had put a block on my online banking ), and I was able to confirm that the 2 charges she mentioned were legitimate charges. Then, on the morning of XX/XX/XXXX, the bank once again called me about the other three charges. I was able to confirm that they were legitimate as well. During this entire process, I couldn't understand why the bank had picked these 5 charges as possible fraud. It was never explained to me. On this same day, the lender contacted me and said that we would be able to close the loan that afternoon. However, they were going to send a few deposits to my account to confirm that it was truly my account and I would then have to return that money to the lender. I have done this in the past, so this seemed normal to me. However, the loan officer said that they would be sending several deposits, totaling {$1400.00}. I was very shocked at this amount. He explained to me that this was a way for them to gain trust in the client and vice versa. So, I again went to the bank and asked the teller to check my account and see if any deposits had come through. She was able to verify that 5 deposits had been received that day, totaling {$1400.00}. So I called the lender, confirmed receipt of the deposits, and was given instructions as to what I needed to do to return the money. I was to withdraw the cash and take it to Customer Service at XXXX XXXX He said that they work with them all the time and that they knew what to do. He was going to send me a code and I was to show it to the Customer Service Manager. This sounded a bit unorthodox to me ; however, if XXXX is involved, then it must be legit, right? So, I withdrew the cash and followed his instructions. I was somewhat surprised when the Manager explained that they work with the code all of the time. So I gave her the cash and she then sent it back to the lender. The lender called me and confirmed that they had received the money and that he would get back with me in a couple of hours and we would close on the loan. I never heard from them again. Two days later, XX/XX/XXXX, I received in the mail 5 letters from the bank, one for each of the charges. The letters stated that due to these fraudulent charges, the bank was going to reimburse me and make 5 provisional deposits into my account. First, I never heard of a provisional deposit. I didn't know what that was. And second, why is the bank issuing me a refund for these charges as I had already confirmed with them that these were valid charges and not fraudulent. So, I began investigating. As things began to make themselves clear, it turned out that in XXXX when the disputes were first filed, it was a group of fraudsters ( herein referred to as the " group '' ), that filed these charges. The bank believed it to be me. So for some time, this group was impersonating me with the bank and as we continued to learn, the XXXX XXXX XXXX was being impersonated as well. They were one in the same ; the group that was dealing with the bank and the group that was pretending to be a loan company. And the 5 deposits that were made were deposits that I believed had been made by the loan company, or group. But unfortunately, the group had never made any deposits. So the money that I withdrew and sent to the group was actually the bank 's money. And then several days later, I began receiving letters from the bank stating that because the 5 charges in question were deemed to be valid, they would begin reversing the credits from my account. After a few days, my account showed a deficit of {$1400.00}. So the bank got their money back and I was sitting on an account that was in the red, an account that the bank expected me to bring to a XXXX balance. I disagree with the bank and do not feel that I owe this money. While it is true that I withdrew the funds, it was done so in good faith and with the belief that I was working with a legitimate loan company. A couple of areas that I think the bank failed in : One, what protocol does the bank have in place to protect the customer 's accounts and to verify that they are dealing with the right person? For the first couple of weeks, the group was able to get the ball rolling because the bank believed it to be me. Had the bank had stricter policies when it came to verifying a customer or had they not failed when following the bank 's directives, they would have learned early on that it was not me, the account holder, they were dealing with and perhaps none of this mess would have occurred. Two, why were provisional deposits made into my account after I had confirmed that the charges were valid? And third, why did the bank not notify me immediately when they made the deposits? As an account holder, unless it is a bank fee or interest earned, I can not think of any reason that a bank would make transactions into someone's account without notifying them at the same time as making the transactions. The bank 's answer to this is that they did notify me. True, they did. Via 5 letters that I received two days after the fact. What good does it do to alert me to those deposits days after they were made? By then, anything could happen, and it did. When the teller told me of the deposits that had been made that day, I had absolutely no reason to believe that someone else could be making them. Had the bank called me that morning to tell me what they were doing, all of this could have been prevented. I believe this was true negligence on the part of the bank and i disagree with their decision that I owed the {$1400.00}. On XX/XX/XXXX, I began calling the bank and looking for answers. From that point on until XX/XX/XXXX, I spent endless, endless hours on the phone, speaking with over 7 departments at the bank, trying to find out what had happened with the fraud deal and who was overseeing my case. I was shuffled around from department to department, with no one claiming responsibility for what happened, Each department said that I needed to speak with such and such department, and all I did was go in circles. I ended up speaking with all departments multiple times, learning absolutely nothing. And on two phone calls, I was treated with such rudeness, that I was rendered speechless. On one of those occasions, the Specialist in the E-Fraud department that I spoke with, stopped me half way into explaining what happened and said, " XXXX XXXX, please stop wasting my time. I am a very busy man ''. With customer service like that, why would I go anyplace else? Anyway, since this entire process began, no one from the bank has reached out to me to discuss the case. No one is accepting responsibility for any of the bank 's doing and no one is accepting responsibility for making any decisions. No one has responded to any of the voicemails that I have left, or messages I have left with someone in various departments. This has been an extremely stressful burden for the last month and a half. I am left to believe that if I do not bring my account up to XXXX, that in 39 days ( from the date the deposits were made, I guess ), that the account will close, it will be reported to collections, and my credit will get hit. This would not be a good thing as I am trying desperately to repair my credit. Plus, I don't believe my involvement in all of this warrants me paying a price for something that could have been prevented on a couple of occasions had the bank communicated with me. And not that I like to play this card, but I am sick. I suffer from XXXX and I require XXXX XXXXt 3 times a week. It's a very tiresome and grueling way to live and a lot of extra stress makes me weaker and more sick. I can not continue with the phone calls anymore as the last one went from bad to worse as the woman I spoke with in the fraud department claimed that they didn't even know that a fraudster was involved until XX/XX/XXXX. This does not fit the timeline in any way. In addition, she said that I knew that the case was closed because it said so in her notes. I was never told this. And she stated that I was liable for the money because I withdrew those funds myself and as far as they knew, I was taking that money to have fun with, or who knows. She obviously had not read the notes because she did not know what she was talking about. Plus, at the end of our 20 minute conversation, she said I really needed to speak with Card Member Services. I think that sums everything up. So now, the next step is for me to obtain legal council and to learn what my options are. I am not interested in pursuing any monetary gain for my time and stress. All I want is for the bank to zero out my account. I believe this to be the correct thing to happen and I will not stop until I at least get to have a conversation with someone from the bank that is in charge. | ||||||
| 01/19/2021 | Yes |
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Web | |
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I am refinancing my first mortgage on a secondary home. I have paid all closing fees and the fee they charge to refinance. I have tried over and over to get any type of response. Their complaint line is disconnected, I emailed the fraud center or copied them see below and no repsonse. I am paying over 1 % higher on my existing mortage with US Bank mortage. THey have no incentive to refinance.
All I need is a closing date and to get this behind me.
I expressed to them, see below, that I would submit a complaint to the CFPB because all channels to communicate with them have been ignored.
Please help. They should pay be the back interest they have been collecting for a half a year by ignoring me.
I have paid the {$1200.00} to lock in the rate XXXX XXXX XXXX XXXX cell Re : Re : Re : Re : XXXX, US BANK, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 5 days ago ) to XXXX, XXXX, Fraud, XXXX, XXXX, XXXX On Thu, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : Can someone please contact me and provide a closing date for this month?
On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Hi Mr. and Mrs. XXXX, I am forwarding to the sales and processing managers.
Thank you, XXXX XXXX XXXX Mortgage Retention Rep-NMLS # XXXX p. XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX XXXX ; Fraud Help Shared XXXX Cc : XXXX XXXX XXXX |
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| 05/19/2020 | Yes |
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Web | |
| Dear U.S Bank Executive Officer : Please allow me to present my experience with your U.S Bank banking institution when I called your phone bank weeks ago. In that call one of your bankers kindly submitted on my behalf three detailed disputes of 3 transactions. two of those transactions were charged to my debit card ending in XXXX on XX/XX/2020 and they are the subject of this complaint which resulted after The Bank did is believed to not treating my disputes with due diligence, disregarded the supplemental or additional information that I sent via email to the bank and/or discriminated against my person in processing the disputes ... ... ... ... ... ... ... ... ... ... .. ... ... ... ... ... 1-The two disputed transaction were charged by the same merchant ( name on the disputes records ) for the amounts of {$65.00} ( U.S Bank claim number XXXX ) and {$63.00} ( U.S Bank claim number XXXX ) .. ... ... ... ... ... ... .. ... ... ... ... ... The two charges were for two orders of the same product and quantity.the difference in paid price were due to taxes, since one order went to virginia and the other to Arizona household. ... ... ... ... ... ... .... Each of those disputed amounts was the payment for 6 bottles of XXXX foam hands sanitizer. The merchant advertised the product with this description : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Clear, Unscented, 1.2 L Cassette for Electronic Dispenser, 6 / Case ... ... ... ... ... ... We called merchant and let them know that in the two orders We received two bottles only not the 6 we paid for in each order. They were missing 4 bottles in each of the two orders. Total of 8 bottles were missing and we requested that the merchant ship them. ... ... ... .the merchant and I agreed to the resolution suggested by the merchant. The merchant promised to refund the two amounts back to original methods of payments if the two orders. The same method which was my U. S Bank debit card ending in XXXX expected credits of the full two amounts within a specific time limit ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... 3-the Merchant failed to refund those amounts ... .. ... ... So I submitted the above two referenced disputes timely and i fulfilled my obligation timely despite the received letter from U.S bank came very late. It was Saturday. In that letter, The U.S Bank claim department requested from me to send claims related information and required that my response with information must be received too soon on Monday that comes right two days after that Saturday ... ... .. .... ... .. ... ... ... .... is it fair From U.S Bank to require additional information information that was already submitted and requiring that it should to be delivered to this bank in less than 3 days? Knowing two of those 3 days were Saturday and Sunday? ... ... ... ... I believe that was unfair and discriminatory service from some bankers in your U.S Bank claim department ... .... In that weekend, I found out U.S bank email contact information in the online website as shown in one of the attached factual files of this complaint. Dear U.S Bank Executive Officer : Please allow me to present my experience with your U.S Bank banking institution when I called your phone bank weeks ago. In that call one of your bankers kindly submitted on my behalf three detailed disputes of 3 transactions. two of those transactions were charged to my debit card ending in XXXX on XX/XX/2020 and they are the subject of this complaint which resulted after The Bank did is believed to not treating my disputes with due diligence, disregarded the supplemental or additional information that I sent via email to the bank and/or discriminated against my person in processing the disputes ... ... ... ... ... ... ... ... ... ... .. ... ... ... ... ... 1-The two disputed transaction were charged by the same merchant ( name on the disputes records ) for the amounts of {$65.00} ( U.S Bank claim number XXXX ) and {$63.00} ( U.S Bank claim number XXXX ) .. ... ... ... ... ... ... .. ... ... ... ... ... The two charges were for the same product and quantity and the difference in paid price were due to taxes since one order went to virginia and the other to Arizona. ... ... ... ... ... ... .... Each of those amount was for 6 bottles of XXXX foam hands sanitizer. The merchant advertised the product with this description : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Clear, Unscented, 1.2 L Cassette for Electronic Dispenser, 6 / Case ... ... ... ... ... ... We called merchant and let them know that in the two orders We received two bottles only not the 6 we paid for in each order. They were missing 4 bottles in each of the two orders. Total of 8 bottles were missing and we requested that the merchant ship them. ... ... ... .the merchant and I agreed to the resolution suggested by the merchant. The merchant promised to refund the two amounts back to original methods of payments if the two orders. The same method which was my U. S Bank debit card ending in XXXX expected credits of the full two amounts within a specific time limit ... ... ... ... ... ... XXXX.2-The merchant promised to refund the two amounts back to original method of payment which was my U. S Bank debit card ending in XXXX within a specific time limits ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... 3-the Merchant failed to refund those amounts ... .. ... ... So I submitted the above two referenced disputes timely and i fulfilled my obligation timely despite the received letter from U.S bank came very late. It was Saturday. In that letter, The U.S Bank claim department requested from me to send claims related information and required that my response with claims supporting information must be received by them too soon on Monday that comes right two days after that Saturday ... ... .. .... ... .. ... ... ... .... is it fair From U.S Bank to require additional information information that was already submitted and requiring that it should to be delivered to this bank in less than 3 days? Knowing two of those 3 days were Saturday and Sunday? ... ... ... ... I believe that was unfair and discriminatory service from some bankers in your U.S Bank claim department ... .... ... ... ... 4-In that weekend, I found a U.S Bank email contact information in the banks online website as shown in one of the attached factual files of this complaint. 5-I submitted and via email the two claims supporting additional information. I submitted a copy of the merchant written conversation with me promising the refund of the two disputed amounts to original methods of payments of the two disputed amounts or transactions. I attached invoice showing the amounts paid and for how much quantity of the bottles. 6-strangely U.S Bank forced debited the two disputed amounts again against my funds after weeks the bank credited them back to my U.S Bank checking account linked to debit card ending in XXXX. 7- U.S Bank claimed that no additional information supporting my claim was sent to them. One of The attached claims-factual files proved that U.S Bank received the additional information supporting my claims and timely via email the option that was available and met the U.S Bank unfair deadline.. ... ... ....,,,,, 8- what else those do they wanted from me? Those involved in handling the two claims within U.S Bank should now correct their mistake in a way that additionally to the refund, it shall remedy fully the damages caused against me from their handling of the claims. 9- U.S Bank by taking away from my funds the total of the two amounts, it caused damages against me in these tough times of Covid-19 pandemic. For instances but not limited to : U.S bank depleted my checking account, caused my very important purchases made before XXXX XXXX to be declined ... ..etc 10- Dear U.S Bank Executive Officer , it us unfortunate that your bankers forced me to bring the issues complained about herein. I Called your phone bank and they wanted to create new disputes without other option. The creation of new disputes would be a terrible things to force me to do. Why? Because the 60 days deadline showing in statements as requirement to dispute any transaction would be passed and automatically the results would be negative and would deepen the differences and cause me more harms. Without waiving my rights, PleaSe do the right thing to resolve the matters.until then more declines, more damages would be suffered by me from you. there are few more purchases made before XXXX XXXX from the same merchant who will attempt getting paid from my U.S Bank account when the order/s of purchase ready to ship to me. I either took or will take other legitimate actions to protect my rights following role of law. Also, please note that other files of facts supporting my claims are privileged and might be used by my person if necessary in any event. All stated herein is made to the best of my current states belief, knowledge and understanding and it is all subject to any Correction or change of any kind at any time and only by my person and/or my counsel if any and without waiving my rights. Thank you for your time and i would appreciate your consideration of all the circumstances in resolving the issues which shall be in my favor and any resolution must get my acceptance to avoid extending the issues or matters or escalating the complaint more than this level. To contact me Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX | ||||||
| 09/14/2017 | Yes |
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Web | Servicemember |
| I wish to formally file a complaint about what I discovered are common mortgage fraud practices and bad acts by U.S. Bank Home Mortgage and its affiliates. I have filed two chapter XXXX bankruptcies solely for the purpose of halting foreclosure sale action and have applied repeatedly for costly loss mitigation due to the admitted mishandling of documents submitted jointly by myself and my bankruptcy attorney. My long term tenants have also faced actual threats of forced removal by law enforcement by U.S. Bank affiliated XXXX XXXX XXXX XXXX broke their lease and abandoned thousands of dollars of their family 's personal property and even lived in a hotel for a while. Background I purchased my home in XXXX through U.S. Bank Home Mortgage. The property is a duplex, I reside in the upper flat and rent out the lower unit. Prior to falling into foreclosure and subsequently filing chapter XXXX I had several sources of income. My main source of income was XXXX. I suffered a permanent physical XXXX fairly young at the age of XXXX and had been receiving XXXX for a decade since XXXX. In addition I was awarded a XXXX XXXX. XXXX stipend for attending college as the dependent of a XXXX XXXX which began in XXXX. I also have consistently been a responsible landlord and maintained tenancy from the time of purchase in XXXX so I had rental income. Unfortunately I started to experience hardship after my XXXX passed and my mom had to battle in court for his spousal military pension leaving us to care for her. Then in XX/XX/XXXXI lost my XXXX and the XXXX XXXX stipend expired in the same year. Also U.S. Bank realtors had just started what I didnt know would become a pattern of harassing/intimidating me and my tenants in XX/XX/XXXXand in XXXX I lost my tenants at the time. I sought employment but had no luck with a 10yr work gap on my resume from being XXXX. The only viable solution I had at the time was filing a chapter XXXX bankruptcy which offered to help with loss mitigation in the form of mortgage modification. This is where the problems with U.S. Bank really began to arise, when I started taking steps to save my property. Since they control the status of my mortgage and I am having ongoing problems with them neglecting myself and my lawyer 's efforts to reinstate my mortgage, all while I continue to make mortgage payments, pay taxes and arrears. In other words they have been collecting my money and keeping my mortgage status in limbo. The only thing they seem to have been consistently able to do is displace my tenants over the years. Problems While I was pursuing what legal options I have and looking for attorneys I came across a list of " common mortgage fraud violations and illegal practices '' and it looked like a playbook of what I have been experiencing with my mortgage since entering chapter XXXX and starting the modification process to save my home. These were the three I identified with Dual tracking moving forward with foreclosure while simultaneously offering to modify the loan : After two separate chapter XXXX filings and three modification attempts by my lawyer and I between XX/XX/XXXXand XXXX, U.S. Bank representatives told me my house was sold way back in XXXX on XXXX XXXX. Records show I filed chapter XXXX and was granted an automatic stay of sale on XX/XX/XXXX. This well before any confirmation hearing or any notice of which by law requires 5 days, and I continued submitting regular mortgage payments directly to U.S. Bank while working on the modification they offered me. If the house was sold, which they tell me whenever I attempt to get answers not through an attorney, the first issue is confirmation hearing in a judicial state requires 5 days prior notice as mentioned earlier. But that hearing is something which would not, and should not have taken place if I filed chapter XXXX bankruptcy 4 days later. I repeatedly have to file bankruptcies because with no attorney, they refuse to give me any answers other than " the house was sold on XX/XX/XXXX '' even though after XX/XX/XXXX, U.S. Bank Home Mortgage has collected more than 20k in payments directly from myself not including what they received through the chapter XXXX settlement. Negligence telling you that your modification documents were lost or never received by the lender or telling you that you qualified for a modification but then later forcing you to apply again : When the chapter XXXX was filed on XX/XX/XXXX the purpose was to work out my arrears I accumulated during hardship. Records will show I was making payments while working to gather documents for a loan modification. Records will also show that they requested a schedule I and J which they claimed they never received from me but were sent over by my attorney, as they are chapter XXXX related forms only he would have. When I told them I was sure my attorney faxed them over they checked again and said they had received them. And they were sorry, and they made a mistake but the info was time sensitive so I would have to re-apply. This time I applied through my attorney because they seem to respond more promptly when a legal entity gets involved. We completed and submitted the complete application on XX/XX/XXXX and after getting no response after 30 days I called them. I also informed them I was willfully allowing my case to be dismissed over the next month because I figured the bank was honoring the protections granted under their modification process. I called them on XX/XX/XXXX and they told me they had forgotten to assign someone to the file, but they can not help me because they own my house at this point so " what do you want? A refund? '' This is in line with their usual response when I try to get any information from them without an attorney, which I did n't have at the time. However I submitted the complete package while I was in chapter XXXX and the legal protections under the modification program should have been extended, which protect me and also allow a 30 day appeals period after the decision is made. None of that was in place once I dismissed my legal counsel. Not knowing who to turn to about what they were doing and not wanting to be homeless and protect my tenants I filed chapter XXXX for a second time just to legally halt whatever foreclosure action I could. Frustratingly I was forced to try to again fight with U.S. Bank Home Mortgage just be able to be allowed to pay them. They would rather take my mortgage payments, interests payment and my payments towards arrears but still maintain the bank still owns my property so they ca n't actually help. I was told by a representative on XX/XX/XXXX that I was never protected by chapter XXXX bankruptcy and explained that payments I was making during the stay and the modification was similar to, " if you have a cancelled credit card with an outstanding balance.. you can still pay on the balance and not have the card '' Basically confirming after XX/XX/XXXX they had no real intentions of working with my attorney. Estoppel telling you that your modification was denied after a long wait. Between XX/XX/XXXXand XX/XX/XXXXI have filed two chapter XXXX bankruptcies and submitted 4 separate modification packages which never received a formal approval or denial due to U.S. Bank delays and errors. These delays effect time sensitive materials and render them invalid after so long requiring new updates and submissions. I recently completed a modification application with the Homeowner 's Preservation Foundation in XXXX which was accepted and I was assigned a mortgage assistance point. She sent me out a follow up paperwork requesting a few more income verifications which she said had to be submitted by XX/XX/XXXX. Over the course of two weeks I gathered the requested info and I called her on XX/XX/XXXX and she informed me they had once again made a mistake and they could not offer me any loss mitigation because they my house was sold on XX/XX/XXXX, and not loss mitigation was possible after that point. She said my property was like a cancelled credit card I was paying on and they could not give me any more info because they cease contact after the sale. So I asked her what you are telling me is while I was in chapter XXXX as of XX/XX/XXXX, and still making mortgage payments and in loss mitigation and you guys requested my bank statements notarized documents check stubs, bankruptcy related schedules from my lawyer, all of that was just for fun? Her response was that she ca n't help me because the bank owns the property already. She also said she could not give me any information on the sale, the confirmation date or the status of my loan. She also said that my foreclosure is public information and they claim no responsibility for the actions of XXXX XXXX XXXX XXXX harassing or threatening my tenants. Neither could they help with their 3rd party brokers coming onto my property and showing tenants my U.S. Bank loan info and/or giving them deadlines for relocation. All I am told is to keep making mortgage payments, the only info I have received from them was mortgage statements and when I try to make any progress without an attorney as far as modification they refer me back to nearly 5yrs ago for non-answers. More bad acts cited as common ( which I have experienced ) include : Delays in the modification process. Causing modification disqualification or reduction in equity. Failure to implement a permanent modification. Proceeding with foreclosure while in modification review. Advising borrower or borrower 's tenants to fall behind/evacuate property. | ||||||
| 07/07/2023 | Yes |
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Web | Older American |
| I was scammed by criminals in from XX/XX/XXXX through the first week of XXXX, who were posing as a home improvement company that would not only waterproof the foundation of my house inside and out but also renovate my whole basement with new walls, egress window, and also repair my chimney on my house that was built in XXXX. I had been experiencing extensive dampness in the basement for at least 4 years and had recently bought a dehumidifier to help the situation but we're still experiencing too much humidity downstairs. This company was under the fake name of XXXXXXXX XXXX paving and masonry, and later I learned it was " XXXX XXXX XXXX '' because they took off with all of the funds that I had written as checks to their so-called fake supplier ( the first was the cashier 's check, and the other two were my personal checks, one to another of their suppliers for the special air circulation machine deposit, that I never received, and the other was a personal check that I wrote to their XXXX company ) for building supplies and for their work. The business address on their business card turned out to be fake, as discovered by the private investigator with my local police department who went there physically at that address to find out that it was just a residential home and family. The scam company XXXX XXXX hired local workers to excavate around my foundation and installed waterproofing fabric, and those local laborers appear to be diligently working, however the XXXX XXXX managers made several mistakes on the project management while it was in progress. For example I learned later that they should have moved the air conditioner unit away from all of my house ; because they did not move it it was close to the house and almost fell into the trench that the laborers were building around my foundation so that they could attach waterproofing fabric to the foundation. And the XXXX managers should have explained to their laborers that the area in front of the house was for natural gas intake and that the workers should be careful working around it. Instead the different laborers that day only spoke XXXX and after they hit a metal pipe with their shovel, I ran upstairs and used a translator on my phone to tell them it was a natural gas hose and they should stop. They thought it was a water pipe. Anyway, XXXX XXXX first decided they would only have to do half of the house and so a contract was written up for only that half of the house, and then after I paid them in a cashier check for supplies Plus more cash for the laborers, they said that they needed to do the entire house because I missed foundation cracks on the other side of the house. And so an additional contract was written up for that half of the house. They said that an order for me to get there extensive 30 year Home warranty that I would have to get the Entire home updated with waterproofing and the foundation. Also they were supposed to waterproof the inside of the house, and renovate the interior of my basement by adding all new walls, and an egress window. The second contract they also said they would repair my chimney on the house that was built over 60 years ago. And so they had the labores complete the waterproofing on the outside of the home, only, around my home 's foundation on the outside, and then they said they could not work on it anymore until they received a special air circulation equipment to use, and that I had to put a large deposit down on that to get it here at my house. That was rather upsetting, however they said oh you get your money back after the machine is returned to their vendor. And so I kept waiting for this expensive machine to get here, and heard very little from them. And so I didn't see them here for almost an entire month of XX/XX/XXXX, and I could only reach them on the phone up until XX/XX/XXXX and then they entitely disappeared and I would get no response at all with my phone calls to them. The amount of money that they stole from me was {$110000.00}, and I believe that possibly their vendors were also partnered with them. I found out, through internet tracing, that two checks I'd written out to them for building supplies and their work, we're both cashed at jewelry stores on the XXXX XXXX of XXXX XXXX XXXX And the one personal check that I wrote to their company, ( after I said I would not give them any more money until it was written out to their business account ), was cashed at a bank in Washington DC. The enclosed attachment explains all of the details of the scheme and how I was fooled by these people, by the way had thick XXXX accents and said that they were first generation Americans. The test document also shows details in the tracings I have done about the checks and their business associates and Banks. I read that the same type of scheme has been happening in XXXX for the last two years and they believe that those people were on a 90 day Visa visitors visa from XXXX and XXXX the XXXX XXXX, forbidden to work while they were here, however a perfect opportunity for them to have a XXXX XXXX XXXX business and take off with their booty back to their home country after 90 days concerning their temporary federally issued visitor 's visa. And so I believe that these XXXX XXXX scammers could have been involved with temporary visas and we're not even American citizens. On their business card they also have their website listed, and their phone numbers, and last time I checked recently their website is still up. There is another company called XXXX XXXX that does paving restoration and they have another website I think that company 's based in california. The XXXX scammers had a website that was somewhat similar to that website, and I believe that both of the websites are still up. For all I know this could be a recurring scam. I did stop at my bank to ask if they could trace my checks in the effort of trying to recoup funds that were lost to the scammers, and the office person spoke to said that they could not until I sued the company, later I found out that I could not sue the company because they were XXXX XXXX XXXX and there was not a legitimate address for them, and therefore such a court suitcase would be thrown out by a judge. And so I assumed that there was no way at all for me to try to get the money back with the bank 's help, and so I contacted an agency to help me and the letter attached is my story about what happened with the scam and how it happened and, and how my bank did not help me beyond getting copies of the canceled check, except for they also canceled my checking account associated with the scam, but made no mention of why they were closing my account other than because of fraud. In XXXX, XXXX, The agent company that I contacted to see if they could help, did send a letter to my bank asking for their help and trying to recoup my money, but my bank refused. It appears that there is a catch-22 regarding scams and that evidently some banks do not go after the money unless there is a suit, however real scams are usually XXXX XXXX XXXX anyway and can not be sued because they were the likely have a fake address. And so as stated in the attached letter, I believe that my bank should have had built a much better database where they can check recipients of cash your checks and personal checks to find out if those companies are a legitimate or not before the check is sent, or as with credit cards there must be some way to retrieve the money when the scammers are found to be indeed criminal scammers. My agent helping me with the situation believes that my bank didn't follow the necessary rules and policies and dealing with me before and after I was scammed to this extensive amount of money, that I wrote and two personal checks with my bank, and one cashier check, where I withdrew all the monies from my checking account with my bank. I believe that my bank needs to go after the money trail and find out if they can retrieve money such as from the jewelry stores were supposed to have jewelry insurance by law, so that stolen money that they receive in trading for their products, can be returned with insurance at least to the victim customer. I received no building supplies to majorly complete this contracted project that I had with XXXX, other than tar and waterproofing material that was applied to the outside foundation of my home. I also learned later from a legitimate waterproofing company, that the work that was completed was shortly done with below par materials and methods. In fact I had to have the four new window wells ( that XXXX XXXX installed after waterproofing outside of my walls foundation ) replaced with entirely new window wells for the basement that were twice as tall, because the XXXX XXXX put in Windows so we're much too short and would have allowed rainwater and snow melt to enter my basement through those window well areas. And so please refer to my attached document that documents what happened to me and further detail and also has an appendix attachment with screen prints of the cancel checks and also tracing that I did regarding the scam XXXX XXXX website and another similar website for a company also named XXXX XXXX that does paving, in another state far away. And also is aforementioned the uploaded attached document appendix shows copies of the canceled checks and screen prints of my phone records with them this past summer. | ||||||
| 02/17/2021 | Yes |
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| Below I've included a letter, in full, that was mailed to US Bank on XX/XX/XXXX. I have included it within the asterisk marks. Under the letter I have added information regarding US Bank 's response. XXXX XX/XX/XXXX XXXX : Customer Complaint regarding Re-finance Transaction of Account Number XXXX Dear U.S. Bank Home Mortgage, On XX/XX/XXXX, I began the process of refinancing my loan with your bank, account number **********, by speaking with XXXX XXXX. He guided me through the process, told me the rate the bank could offer, described the ongoing difficulties with COVID-19 and surplus demand, and stated that, within a few days, a XXXX XXXX would be contacting me to collect U.S. Banks {$390.00} fee and initiate the online platform where I would submit the necessary paperwork. On XX/XX/XXXX I paid the fee and on XX/XX/XXXX, XXXX XXXX introduced herself as my loan processor. For the remainder of XXXX and into XXXX, XXXX continued to request various documents. She also informed me that the appraisal had been requested. That appraisal was submitted to my online portal on XX/XX/XXXX. On XX/XX/XXXX, XXXX e-mailed congratulating me that my loan had been conditionally approved. She also requested some additional documentation. By XX/XX/XXXX, I had submitted all the requested information. XXXX informed me on XX/XX/XXXX that the remaining pending items were all things she had to obtain herself. I believed the loan was on track to close before the XX/XX/XXXX time limit. Continually, throughout the remainder of XXXX, I asked XXXX what the loans status was and why I hadnt received any update. She stated that everything was under control and on track to close before XX/XX/XXXX. When I asked what would happen if the loan did not close before that date, both XXXX XXXX and XXXX repeated that, to quote XXXX XX/XX/XXXX e-mail directly, Due to our longer processes right now, we understand that little to none delays are the fault of the customer. So we are extending rates without charges during these crazy times. I was sure nothing was amiss even though the process had already started to drag. On XX/XX/XXXX, XXXX sent me the following, Ive now received everything Ive put in requests for. Im requesting your loan to be reviewed with a rush & coded it as priority as well. Im so very sorry for the length of time we have taken to complete this process. I greatly appreciate your patience & understanding. Little did I know that she had not ordered title before this point. Needless to say, and counter to all of XXXX and XXXX insistence that the loan would close before XX/XX/XXXX, it did not. The entirety of XX/XX/XXXX passed without any significant update. XXXX repeated many times that she was in the final phases of acquiring the necessary documents, specifically a title commitment. I work with mortgages and know that title commitments, even the rough ones, should take 1-2 weeks. In my instance, the property is a SFR purchased in XXXX with the title documents with US Bank. This means the bank has the most recent title policy which hasnt changed or been affected since XXXX! In such an instance, title should never take longer than a week. XX/XX/XXXX came with XXXX telling me the title commitment was still outstanding. When I spoke to the attorney selected to do the title work, he said they sent title back to U.S. Bank on XX/XX/XXXX, after having received the request on XX/XX/XXXX, that is to say, well beyond the deadline for the entire loan closing. XX/XX/XXXX arrives, four months after starting this process, and the first thing I hear from U.S. Bank is that theyll need to re-pull my credit and renew the compliance for the appraisal because it has been so long since those items were originally pulled. Yet again I have to bear the consequences of U.S. Banks incompetence. Begrudgingly, I give consent to the renewals on XX/XX/XXXX. On XX/XX/XXXX, I received the following from XXXX, Ive received the updated title! I will be finalizing your loan & sending it back to Underwriting for Final Review. Finally, Final Review! I check my online portal but nothing has updated. I feel a bit more at ease but cant shake the question, How can this be taking so long? XX/XX/XXXX, my first e-mail from XXXX XXXX arrives. He tells me the loan has been moved to a new specialized team to help get the loan ready to close as soon as possible. At this point, even reading this, you have to laugh. 138 days into the process, and we are still talking as soon as possible. I immediately respond to XXXX and provide all the documents requested, consent to the renewal of the credit report ( Didnt I already to that on XX/XX/XXXX? ), and confirm my mailing address. Thennothing. The year ends without any action or update from XXXX. XX/XX/XXXX, I decide I can no longer trust U.S. Bank to follow through on its commitments. I begin by sending an e-mail pleading to understand the delay and get some solid update on the loans progress. I repeat this e-mail, sent to XXXX, XXXX, and XXXX, every day of the first week in XXXX. I also call XXXX and XXXX and leave messages that are not returned. From this weeks attempts I receive 0 response from U.S. Bank. I decided I needed to keep pushing and schedule a meeting at a local U.S. Bank office for Monday, XX/XX/XXXX. I meet with XXXX XXXX. I understood that he was powerless to influence the transaction as he is customer facing but pleaded none-the-less that he attempt to help me in any way. Miraculously, his e-mail is seen by XXXX and responded to within the hour. Let me repeat that, my, the customers, many attempts over a 20 day period are met with radio silence, while XXXX e-mail gets a response. Finally, I believe we are making some progress on the loan. That is until I notice that XXXX requests, on XX/XX/XXXX, my rental history verification. This is a document I provided XXXX on XX/XX/XXXX. Regardless, I immediately send the request to my propertys manager and forward the document they send to me. I also ask them to send it directly to XXXX. On XX/XX/XXXX, we returned to radio silence despite still attempting to call and e-mail XXXX for better details. On XX/XX/XXXX I receive an e-mail noting that I was conditionally approved for my loanagain. This was the last straw. I could no longer take the hypocrisy. I have been a U.S. Bank mortgage holder for 7 years. I have never paid late, I have never complained or given the bank any trouble. My credit score hovers around 800, my LTV shows I have equity. When U.S. Banks refinance offer was originally put forth, I decided I would stay with the bank because of the generally enjoyable experience I had had being your borrower. After this process I will never work with you again. In all fairness, XXXX did say, on XX/XX/XXXX, that U.S. Bank was extending a {$300.00} discount on closing costs and a slight rate reduction from 4 % to 3.75 %. While I appreciate the gesture, these changes do not come close to compensate the time, costs and emotional distress I have withstood throughout this process and, more significantly, do not close the loan as of XX/XX/XXXX, 168 days after my phone call with XXXX XXXX. To resolve this issue, I want one of two things. First, U.S. Bank can honor its commitments and close the loan on or before XX/XX/XXXX. This option, though not optimal, will at least settle the matter once and for all. This closing has to entail a loan with the terms of the attached Loan Estimate, at 3.65 %, my current rate. The {$300.00} closing cost reduction would also have to be honored by U.S. Bank. If the bank is not willing, or competent enough, to close the loan on or before XX/XX/XXXX, then I request to close my application and demand a refund of the {$390.00} I gave to U.S. Bank as well as an additional {$400.00} for the costs I will incur with another lender to restart the refinance. Since XX/XX/XXXX, I have spent in excess of {$750.00} in interest on my current loan, I have paid more than {$150.00} in PMI, and I have forgone more than {$1200.00} of rental income that would result from an adjusted mortgage term. I wont demand compensation of such from U.S. Bank. Still, I can not simply walk away from this transaction without U.S. Bank taking responsibility for its misleading and potentially fraudulent behavior throughout this process. I look forward to an official response and conclusion to this matter. Please contact me at the above address, by phone at XXXX, or by e-mail at XXXX. Cordially, ____________ *************************************************************************************************** Since this letter was sent, via First-Class Mail, I have received no official response from US Bank. Again, every person named in this letter ignored my inquiries into how the situation was progressing. On XX/XX/XXXX, I was informed via private message by the US Bank portal, that my {$390.00} fee was being refunded. I had not expressly asked to terminate the application. When, again, I attempted to reach out to anybody at US Bank, I was ignored. Even today, I am able to log into my online portal and see that my refinance application is in process. No authorization was given on my behalf to cancel the transaction. No notice from US Bank was provided that the transaction has been cancelled on their end. As of today, XXXX, XXXX, XXXX, this has still not been resolved. | ||||||
| 06/07/2019 | Yes |
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| I write to allege that USBank is engaged in deceptive business practices with respect to opening consumer, business checking accounts, and XXXX accounts. I am a practicing attorney in XXXX. My law firm, XXXX XXXX XXXX XXXX ( XXXX ), previously held an Operational Account and an XXXX account, at USBank. XXXX practices in the area of recreational cannabis compliance. Specifically, we most commonly defend licensees from administrative actions initiated by various regulatory authorities, and advise licensees on regulatory compliance in efforts to minimize the likelihood of negative enforcement actions. XXXX was formed in XXXX of XXXX, and cannabis has been the firms practice area through this entire period, up until and as of this filing. I opened up a business checking account with USBank in XXXX. At that time, I disclosed the information, essentially, as contained in the preceding paragraph, including the disclosure of our involvement in cannabis. Further, in XX/XX/XXXX, my partner, XXXX XXXX, joined XXXX and was added to the business checking account. We visited the branch located at the address I indicated on the complaint. Once again, we disclosed our practice area revolved around cannabis, and again, the account was updated without issue. Sometime in XXXX of XXXX, XXXX XXXX visited the USBank branch to make either a deposit or a withdrawal from our firms XXXX account. At this time, Ms. XXXX was not a signor on the XXXX account. Apparently, USBank would not conduct the transaction unless Ms. XXXX agreed to add herself to the XXXX account that is in XXXX Law Groups name. Ms. XXXX acquiesced and the banker, XXXX XXXX, proceeded to add her to the account without notifying me. In so doing, he then asked her what about our specific practice area. Up to this point, aside from account opening, and adding Ms. XXXX to the account, I had visited USBank or had contact with USBank on approximately ( at least ) 25 different occasions at no less than five branches throughout the XXXX area. These contacts ranged in purpose from simple, counter transactions, to applying for a home mortgage, and providing follow up documentation. Relatedly, I also refinanced my home with USBank. At every one of these occasions of contact I disclosed the precise nature of my firms practice area, which is to say, that XXXX represents cannabis licensees. At no time during over two dozen points of contact, every one of which included disclosure from me regarding XXXX practice area, did any banker, teller, or other personnel raise any issues with it. However, as a result of XXXX XX/XX/XXXX visit, XXXX XXXX updated, in my view improperly and perhaps unlawfully, our USBank account profile, flagging it for review due to our representation of cannabis licensees. We subsequently learned the account would be frozen, but managed to close the account before any funds were withheld. I have taken this issue up with every level of management to which I can contact. These include the branch assistant manager, as well as the district manager. Today, XX/XX/XXXX, I received a call from XXXX XXXX, who calls himself the Regional President. Prior to this call, I asked, essentially, two questions, which Ive reproduced below with his explanations. 1. How could USBank possibly justify adding someone to a trust account without the original signors express authorization or even knowledge? XXXX XXXX claims that it was proper to add XXXX as a signor to the XXXX XXXX account without the original signors permission. For clarity, while Ms. XXXX was added to the operational account in XXXX of XXXX, she had not been added to the XXXX account before her XX/XX/XXXX visit. Here, Mr. XXXX position was that because XXXX was listed as a governor on the Secretary of State website, then she was properly added to the trust account. Mr. XXXX explanation, if true, demonstrates USBank is not treating XXXX accounts with the proper amount of care required by its agreement with XXXX. Such account maintenance practices are reckless, because the Secretary of State information page can be updated by literally anyone without any ID or other verification requirements. Thus, one could improperly add their name to an entity, and then, according to USBanks policies, be added to the trust account. It would be shocking to learn that this lax standard of care conformed with XXXX requirements. Mr. XXXX told me he had run this issue by USBanks legal team and the feeling was that they were probably in compliance with the state bar. In sum, Mr. XXXX has stated that the USBank branches in his region will not change policy based on these feelings though to be quite clear, Mr. XXXX offered absolutely no legal or even policy support for these feelings. Secondly, I asked USBANK 2. If Mr. XXXX acted appropriately ( as theyve repeatedly maintained ) How could it be that no banker ever raised this issue previously? USBank personnel has assiduously lined up behind the conduct of XXXX XXXX. Prior to my call today, I expected Mr. XXXX to tell me that, in essence, Mr. XXXX had essentially misunderstood our line of work, and mistakenly flagged our account, thus this was a regrettable, technical mistake, and nothing more. This expectation was built upon the fact that, on or about XX/XX/XXXX, we learned our account was being closed, and during this business crises the assistant manager willingly and immediately unflagged our account and took every step necessary to ensure our banking relationship would continue. In other words, in the immediate aftermath of the consequences of Mr. XXXX actions, USBank was quick to acknowledge the issue. Indeed, the branch even disbursed the funds in our account without issue, thus apparently involving itself further in a deeply problematic area. However, in the days that followed, management began to close ranks around this issue, and Mr. XXXX conduct. Specifically, Mr. XXXX sought information regarding our firms practice area in the guise of a friendly conversation. He never disclosed that the purpose for the conversation was to update our profile, and never disclosed it could result in account closure. Additionally, to reiterate, our firms limited, and lawful, connection to cannabis licensees was freely volunteered on over two dozen occasions to various USBank personnel without a single instance of said personnel raising this issue, or apparently flagging our account. I raised this topic, the fact that other personnel had not disclosed our firms connection to cannabis as an issue, with Mr. XXXX via an email to him on XX/XX/XXXX. However, during our call today, he falsely claimed this was new information, and that he would have to follow up. In reality, since we first became aware of the account closure, I have alerted every manager to whom I have spoken to the fact that dozens of its personnel were given this information previously and yet took no action. Yet, every manager, including Mr. XXXX, has treated this as new information. Nonetheless, Mr. XXXX made clear, at least, that he had not looked into it. Thus, because he did look into other aspects of my complaint contained in my email to him and about which he presumably felt on firmer footing, I am left to conclude he intentionally failed to seek information on this subject. In sum, in addition to mishandling XXXX accounts, USBank is engaged in deceptive behavior with respect to how it treats business accounts. First, it intentionally disguises questions intended for regulatory compliance, and, if these questions are conditional to continuing account relationships, it similarly fails to disclose such condition. Regarding the next part of my complaint, to be clear, the heart of my complaint is not that USBank takes issue with our firms connection to cannabis. Mr. XXXX seemed keen, if not desperate, to reiterate this same point ad nauseum. However, my complaint, as I repeatedly told him, is that USBank intentionally failed to disclose this fact to me for over four years. USBank either acted deceptively in failing to alert me to the fact that my account could be subject to review, or alternatively, deceptively took action against my account in flagging it, when a law firm is not the sort of business intended to be covered by its cannabis banking policies. In other words, if Mr. XXXX is correct in defending Mr. XXXX, then his entire region, and the region for which he is responsible, is engaged in a pattern of behavior contrary to this stated policy, and is doing so deceptively, and causing damage to consumers such as myself, and my firm, in the process. To be clear, Mr. XXXX defended XXXX XXXX, but failed to defend his regions failure to notify us of this issue during the dozens of prior contacts with USBank that occurred before Mr. XXXX added someone to a trust account without the signors permission, and flagged our account in the process. Finally, Mr. XXXX doubted that we had properly disclosed our practice area. Therefore, I am prepared to provide a list of individuals to whom either XXXX or myself, or both told this information. Most notably, this list will likely include XXXX XXXX, who our records indicate added XXXX to our account in XXXX, two years before using the same information to flag the same account. | ||||||
| 03/03/2021 | Yes |
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| Called US Bank in XX/XX/XXXX to get a payoff quote for my lease with them as I was looking to refinance this loan and buy my vehicle with the help of XXXX XXXX XXXX. Was given a payoff of {$29000.00} which was good through XX/XX/XXXX. XXXX XXXX XXXX sent a check overnight to US bank for {$29000.00}. The check and payoff authorization and instructions were sent to US Bank overnight on the XX/XX/XXXX and received on the XX/XX/XXXX. Tracking number was : XXXX through XXXX XXXX. Received a phone call on the XX/XX/XXXX from US Bank stating that they needed titling and odometer paperwork completed to process the payment that they received from XXXX XXXX. Completed this paperwork and sent it via fax same day ( XX/XX/XXXX ). I spoke with a lady at US Bank by the name of XXXX XXXX in regards to this paperwork as I noticed a discrepancy on the forms she had faxed. The new payoff quote that generated on the paperwork was XXXX ; she stated that for her to print off the titling instructions they needed to run a new quote, but to go ahead and ignore this new number as they will honor the original payoff quote since the payment had already been received. Got another phone call in XXXX from US Bank and spoke with a lady on XX/XX/XXXX ( didn't write down her name ), asked her at that time if things were taken care of as I had just gotten another phone call in regards to payment collection from them. Asked if the payment was applied to the loan now that US Bank got the paperwork back to process alongside the check. She stated that they received the paperwork and that the payoff of XXXX was going to be applied and honored and everything would be good and that I should not receive any further calls from US Banks payment collection department. Received multiple phone calls during the month of XX/XX/XXXX from US Banks debt department asking for payment arrangements, noticed that my credit had been hit with delinquent payments from US Bank ( I had been making payments to XXXX XXXX XXXX this whole time as they had already sent funds to US bank and taken on the refinance on my loan ). Called US Bank on XX/XX/XXXX. Spoke with XXXX XXXX from US bank she stated that they were not going to honor the payoff quote after all and that we needed to send a new payoff to them or the account will stay open and negative actions were going to continue to take place. At this point I asked them why they weren't going to be honoring the payoff quote anymore because I had been told differently every time beforehand when I had called or received a phone call. She stated that because the check they received was short from the payoff quote that was ran on XX/XX/XXXX that the cashiers check that they have on record for me would not be applied to my lease at US Bank. At this point I found out that US Bank had rejected the check and decided that they would not apply it to the loan back in XXXX this whole time ; I asked for them to return the cashiers check because XXXX XXXX would not issue a new payoff until the cashiers check was sent back to them. XXXX XXXX XXXX questioned why they had held onto a cashiers check for so long to begin with as this is not good bank practices especially if they had already made the decision to reject the loan because if they would have sent back the cashiers check at time of rejection XXXX XXXX XXXX would have sent a new check for the new amount before any negative reportings or late charges were applied. Instead, US Bank held onto the check from XX/XX/XXXX until XX/XX/XXXX. During this phone call on XX/XX/XXXX XXXX XXXX XXXX with US Bank ran a new payoff quote of {$28000.00}. This payoff quote was good through XX/XX/XXXX. XXXX XXXX XXXX sent this money to them via wire as instructed by XXXX for {$28000.00} on XX/XX/XXXX as instructed and sent new titling instruction paperwork and odometer reading paperwork same day to fax number : XXXX as instructed. We were told the turnaround time would be 4 days until XXXX XXXX received a title if we sent this to them via Wire. Got a letter in the mail dated XX/XX/XXXX from US bank stating they had received our payment, but was again missing the odometer reading paperwork and titling instructions, received this letter via XXXX tracking number : XXXX. Sent them a letter back following day on XX/XX/XXXX with copies of the wire, payoff quote and completed paperwork that was ALREADY faxed to them on the XX/XX/XXXX. Sent this letter and information to US bank via XXXX next day air to XXXX XXXX tracking number : XXXX. Received a phone call several days later from a US bank rep stating that they were still trying to collect payment from me, told them that they should have all of this information, she then put in a request for a manager to reach out to me. Got a phone call from XXXX at US Bank in regards to this, she stated that they got the paperwork and the money as well as the payoff quote and would send that over to the lease maturity department to put on record ( not sure why she was just sitting on the paperwork and hadn't given the paperwork to the department it needed to go to yet ) she stated that should be in touch with me in regards to them honoring the payoff quote as we had provided copies and proof of the new payoff quote from one of their representatives. Got a phone call back from XXXX XXXX on XX/XX/XXXX stating that the representative that I spoke with on XX/XX/XXXX quoted me wrong and that this US Bank ( XXXX XXXX ) representative didn't include the sales tax in the payoff quote and ran me as a dealer payoff instead. Expressed my concern with XXXX that this wasn't my fault and that they should honor the payoff of {$28000.00}. I also reminded XXXX that during my phone call with XXXX on the XX/XX/XXXX I had made it very clear with her for over an hour that the purpose of this would be for a purchase at another bank. XXXX told they wouldnt honor the wrongful quote of their representative that was provided in writing and that the only option to fix THEIR OWN MISTAKE would be that XXXX XXXX or myself pay the sales tax out of pocket to the DMV and provide proof of this payment to them or send them the money for the difference in the sales tax that they themselves made a mistake on. I told her that since we have everything in writing and the phone call was monitored and recorded on the XXXX that this should be honored in mistake of US bank. XXXX told me they wouldnt do that and taxes needed to be collected ; XXXX then transferred me to a lady to get a new payoff quote, the lady I spoke with after her couldn't pull a payoff quote as my account balance showed XXXX .... I called and left a voice message with XXXX on XX/XX/XXXX on her direct line ( XXXX ) for her to call me back. Didn't get a phone call back. Called again on Friday XX/XX/XXXX spoke with a gentleman from the lease maturity department in regards to him pulling a payoff quote for the difference in the sales tax balance, he stated that my account showed a XXXX balance and paid off therefore he couldnt run me a payoff quote that XXXX was referring to .... Told him the situation and what manager I was working with, he put in an email request for her to call me back as she was out of the office Friday. Spoke with a lady by the name of XXXX on XX/XX/XXXX from the lease maturity department. She got in touch with the manager ( XXXX ) about what is going on with my account as the account shows paid off with a XXXX balance still. She reached out to XXXX with the titling department. Per XXXX at the titling department they had finally sent out the title for my loan as of ( XX/XX/XXXX ), they sent this via standard mail. She stated that a check for the taxable amount of {$1400.00} was also sent alongside this title via standard mail and that once this was received myself of XXXX XXXX would still need to provide this sales tax amount back to them. Tue XX/XX/XXXX XXXX XXXX received the title and check for taxes. On Tuesday XX/XX/XXXX the title was brought down to the DMV alongside the sales tax check that was from US Bank made out to the DMV. Lien position was updated to reflect XXXX XXXX XXXX. I called US bank on Tuesday XX/XX/XXXX because the check provided by US Bank reflected a different amount than what was quoted for the sales tax, I confirmed with one of their representatives in the lease maturity department that the sales tax was in fact only {$1400.00} and not {$1500.00} since this is the amount we received in the mail via check from US Bank. Was assured that the sales tax owed was only {$1400.00}. This check for the difference on behalf of US Banks mistake was sent to US Bank via XXXX on XX/XX/XXXX tracking number XXXX. Got a call on XX/XX/XXXX from XXXX from us bank stating that I would need to call them back, found out they were asking for the check for taxes that was sent to them they stated that they have not gotten it yet. Provided the tracking number and the amount that was sent to them, they acknowledged the delivered notice on this tracking number and told me they would reach out to the department and make a note on the account in regards to this and try and locate exactly where this check was and why it hadnt been applied to the account yet. Please see all supporting documents for this claim. | ||||||
| 01/26/2018 | Yes |
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| Summary of Facts: I am providing a NOTARIZED Affidavit from XXXX XXXX (co-applicant) that this account was opened with me as a co-applicant, without my knowledge or permission. This is a Material Fact, that Must be honored unless and until US Bank conducts an investigation and has Material Proof to discredit XXXX XXXX claims. That the balance of $XXXX being furnished to the credit bureaus by US Bank does not belong to me. That XXXX XXXX has acknowledged the entire balance belongs to him and willing to pay it. US Bank must update XXXX, XXXX and XXXX immediately and/or within 4 days and update the Flex Perk credit card they are reporting in light of the evidence provided. *US Bank reports this account to the credit bureaus between the XXXX-XXXX of each month. In five (5) yrs. there has been not one single deviation of any month. This account has reported the balance and status for the same dates in fifty one (51) straight months. * US Bank is due to report this account(s) sometime between XX/XX/XXXX and XX/XX/XXXX US Bank will have received this complaint/dispute on XX/XX/XXXX, providing plenty of time to properly adjust what they report to the credit bureaus at the end of XX/XX/XXXX. *US Bank last reported this account to the credit bureaus on XX/XX/XXXX, consistent with the previous 5 yrs. *As a result of my dispute and claim and according to the FCRA and the FTC, US Bank MUST remove the balance in dispute and the accounts I have identified as not MINE. **If US Bank either reports this account as it is prior to completing a proper investigation or does anything other than removing the disputed balance and accounts, IS Band would be deliberately violating numerous FCRA laws. Summary of facts: In XX/XX/XXXX, I opened the following US Bank account as a Co-signer with XXXX XXXX; acct# XXXX XXXX XXXX XXXX (My CARD) XX/XX/XXXX my US Bank Credit Card was stolen and used XX/XX/XXXX: (Tuesday) I Reported the fraudulent transactions XX/XX/XXXX I also requested my account be closed acct# XXXX XXXX XXXX XXXX. XX/XX/XXXX( Wednesday) US Bank, nearly 2 weeks later initiated a fraud claim Sometime in XX/XX/XXXX US Bank reopened new credit card accounts ending in XXXX and sent these cards to my business address, contrary to my wishes. XX/XX/XXXX US Bank sent me out a statement wrongly claiming a balance of $XXXX with a MINIMUM PAYMENT DUE $XXXX During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was unable to access my account information online. US Bank later admitted they had denied me online access in error, once the fraud claim was reported the restriction should have been removed. See attached US Bank letter dated XX/XX/XXXX. XX/XX/XXXX: US Bank reported this account as 30-days late (this was later determined an error by US BANK) see attached US Bank letter dated XX/XX/XXXX XX/XX/XXXX, I filed a complaint with the CFPB, case # XXXX XXXX. See attached CFPB Complaint Disputing the following: a.) US Bank inaccurately reported me 30-days late in XX/XX/XXXX b.) US Bank has denied me online access to my US Bank account c.) US Bank is reporting the wrong balance of $XXXX d.) US Bank has denied my previous disputes with XXXX, XXXX and XXXX and wrongly confirmed to 30-day late XXXX information furnished to the credit bureaus. e.) As a result I may take on an additional $XXXX in damages towards a XXXX XXXX construction loan. (I did end up suffering over $3,000 damages, which at the time I did not file a civil claim for, YET! XX/XX/XXXX; I filed another round of disputes with XXXX, XXXX, and XXXX, claiming US BANK was inaccurately reporting I was 30 days late in XX/XX/XXXX. I provided proof of statements and payments to support my claim, but all three credit bureaus dismissed my documents and accepted US Banks response claiming the 30-day late reported for XX/XX/XXXX was accurate. Despite the fact US Bank never provided any proof of documents to support their claim. *NOTE: US BANK did NOT provide any documented proof, yet XXXX, XXXX and XXXX still accepted US Banks claim, which after continual disputing and I forced U.S.Bank to conduct a proper investigation, it was finally determined that US Bank did indeed report inaccurate information. Our records reflect that on XX/XX/XXXX, you contacted us to report unauthorized activity on your account and on XX/XX/XXXX, we initiated a fraud claim However, our investigation determined that, we did not take all of the NECESSARY steps to remove all of the related delinquencies from your account XX/XX/XXXX XXXX, XXXX and XXXX sent me a letter advising they had completed a proper investigation and US Bank responded that the 30-late they had furnished for XX/XX/XXXX is accurate. Therefore, denied my request to remove the XX/XX/XXXX 30-day late fee furnished by US Bank. As a result, I was suffered financial harm by being denied credit and my auto insurance increased by more than $900 yearly. As a result of US Banks continued refusal to conduct a reasonable investigation and provide the credit bureaus with accurate information, I had to take today (XX/XX/XXXX) off work to do U.S Banks job by investigating/researching the facts concerning this account, suffering more financial harm. Sometime in XX/XX/XXXX I again contacted US Bank, informing them I never reopened this account and please close it. On XX/XX/XXXX I filed a complaint with the CFPB for inaccurate reporting of late fees US Bank has willfully breached our contract, a contract they created, by changing the interest rates without notifying me, as required by the FTC.* US BANK Errors -IM ALWAYS RIGHT/ US BANK= WRONG Here are previous disputes I have made against US Bank, which US Banks initial response was found to be INACCURATE. XX/XX/XXXX US Bank admitted errors in their initial response to my fraud report XX/XX/XXXX US Bank denied my 1st claim that they were reporting the wrong balance and status to the credit Bureaus However, on my 2nd claim a month later in XX/XX/XXXX- US Bank admitted errors reporting the wrong balance to XXXX, XXXX and XXXX in XX/XX/XXXX. At my request US BANK closed the this credit card account Sometime in XX/XX/XXXX US Bank issued a new account (which I did not request) and has never provided proof that I requested the account to be re-opened. Acct. ending in XXXX Sometime after around XX/XX/XXXX, this account was again closed by me. Another US Bank account was re-opened without my permission ending in XXXX In XX/XX/XXXX, yet another US Bank account was opened in my name without my permission, ending in XXXX. 9. Twice in the past, when I filed disputes with XXXX, XXXX and XXXX, US Bank has admitted to providing the credit Bureaus with an inaccurate update, resulting from NOT truly completing a proper investigation. In Summary and Request: US Bank has admitted in the past to making errors and wrongly denying the claims/disputes I filed with XXXX, XXXX and XXXX, without conducting a proper investigation. Additionally, XXXX, XXXX and XXXX all refused to consider unredacted documents I provided in my previous disputes. Meaning XXXX, XXXX and XXXX NEVER read the documents I provided. Alternately simply forwarded them to US Bank. THESE ARE PROVEN AND ADMITTED VIOLATIONS OF THE FCRA BY US BANK< XXXX< XXXX AND XXXX. *NOTE: I have until XX/XX/XXXX to file a civil claim on the admitted FCRA violations Yet, here we are again, I am again providing Material facts in the form of documents and affidavits that I am disputing this account currenlty reported ending in XXXX, XXXX or XXXX belongs to me US Bank has reported accounts ending in XXXX, XXXX and XXXX as belonging to me incorrectly. I am disputing to be a Co-Signor on any US Bank account ending in; XXXX, XXXX, XXXX I am claiming any charges related to accounts ending in XXXX, XXXX and XXXX do NOT Belong to me and are being reported by US BAnk to the credit bureaus inaccurately. I am requesting for XXXX, XXXX and XXXX to actually READ the documents I provide with this complaint and BLOCK U.S.Bank from reporting any of the above accounts until the final results of their investigation is complete. I am claiming, with documented irrefutable proof, US bank has violated our agreement, has done so knowingly and willingly. Therefore I am claiming this is a Contract of Adhesion. I am also requesting U.S. Bank to remove all the above accounts from the credit bureaus until they have conducted a reasonable and proper investigation, upon which time they can finalize any updates to the credit bureaus. I am claiming my requests in numbers 5 & 6 do not harm U.S.Bank in anyway. Alternately, if US Bank refuses my requests in numbers 5 & 6, I will likely suffer significant harm. I am claiming my requests in numbers 5 & 6 do not harm any of the Credit Bureaus mentioned in anyway. Alternately, if XXXX , XXXX or XXXX refuses my requests in numbers 5 & 6, I will likely suffer significant harm * NOTYE: XXXX XXXX has contacted US Bank and claimed all charges on the cards ending in XXXX, XXXX and XXXX belong to him and were made without my knowledge or permission. and provided them with an affidavit (same affidavit I am attaching) | ||||||
| 05/19/2017 | Yes |
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| As a small business owner which was the sole means of financial support and at the age of XXXX , we ran into a bad economy and severe down turn. Furthermore, when the financial trouble started we depended on our savings and home equity vs unemployment. We felt has the means to cover our expenses did not make it necessary to file for assistance. Afte r two years of using our own cash, we found out we were not eligible for unemployment because we had n't a history of income. After 20 years of being banking with US Bank and being self reliant we were in need of help from our bank On XXXX I call m y US Bank Branch Manager to ask for information and assist because our small business was getting hit hard financially and I was going to have trouble making my mortgage payment and needed to request a loan modification from the bank. The branch manager reached out to Mortgage Assistance and had them send a modification request packet and our Branch Banker provided us a number to call the Mortgage Assistance business unit. After a week of waiting we called Mortgage Assistance to determine if a packet had been sent and they said they would get out ASAP. This is what transpired after the call : On Monday XXXX XXXX XXXX we received a letter from Mortgage Assistance that we were eligible for a loan modification but no packet. XXXX XXXX XXXX received a US Bank Letter we were delinquent on our mortgage which we let them kn ow and needed to apply for a loan modification, but no packet. XXXX XXXX XXXX US Bank Mortgage letter received that they had not receive our Mortgage payment, no packet for loan modification again. XXXX XXXX XXXX US Bank Mortgage letter saying our loan is delinquent, no loan modification packet. Several calls and in the month of XXXX no loan modification application XXXX XXXX XXXX we received a letter from US Bank Mortgage Assistance stating we may qualify for a loan modification, no application packet again. place another call. XXXX XXXX XXXX US Bank Mortgage letter saying our loan is still delinquent but no application packet again, more calls made XXXX XXXX XXXX US Bank Mortgage letter saying our loan is still delinquent. no application packet again, more calls made. Between XXXX XXXX and XXXX conversations with variou s US Bank Mortgage Assistance Managers and finally received a packet to complete to apply for a loan modification. XXXX XXXX XXXX - Long story - short - We filed the Loan Modification packet but the events to actually have the packet down loaded and reviewed was at best arduous ; XXXX XXXX called US Bank Mortgage Assistance on the status of the completed packet but was not confirmed it was uploaded XXXX XXXX XXXX we asked our US Bank Branch Manager to send via internal US Bank mail a requ est for a status on the loan modification request. She called and said, they had not received it. We had proof it was sent. XXXX XXXX called US Bank Mortgage Assistance and sent documents sent again Called US Bank Mortgage Assistance on XXXX XXXX to inquire as to status. Reply in process Called US Bank Mortgage Assistance on XXXX XXXX inquire as to status. Reply in process and it would be about 30 days XXXX XXXX XXXX it was longer than 30 days we place a call to US Bank Mortgage Assistance and they had lost our Mortgage Assistance Packet so we emailed a copy to Mortgage Assistance XXXX and XXXX calls where made again on status of the modification request. No status on a decision. XXXX XXXX XXXX packet lost again by Mortgage Assistance and resent completed packet to US Bank Mortgage Assistance XXXX XXXX XXXX US Bank Mortgage Assistance confirming the copy of documents was received and up loaded. She confirmed they where received an emailed me stating that the information has been up loaded. From XXXX XXXX XXXX until XXXX XXXX , XXXX we made a good faith effort to complete the request for a Loan Modification and after 6 months of call and completing documents and increasing mortgage debt and penalties we get a foreclosure notice. XXXX XXXX XXXX Received a letter that US Bank Mortgage had was starting foreclosing proceedings. The above is just the first six months. The last three years has difficult and the US Bank has not bee n efficient or effective at processing an making decisions. We were simply asking for some relief but relief never came. During this filing debacle a second mortgage was discussed and the bank shared that they would role the first and second mortgage into the decision process. Another debacle but not my main complaint The bank filed and gained a Summary Judgement and we received a stay which is still in place. Due to time delays in the US Bank Mortgage Assistance process we refiled Loan Modifications Applications on XXXX XXXX , XXXX , XXXX XXXX , XXXX and again on XXXX XXXX . All the while accumulating outstanding mortgage payments and penalties. Also, we have had a rough and difficult financial road, we do take responsibility for our actions as well. First Complaint - bad, slow process that was supposed to assist not sink you as a US Bank Mortgage, which the bank holds all the cards and if they foreclose, their mortgage insurance pays for the loan and they get you house to sell for additional revenue ... do they really want to provide a loan modification? Maybe not.. so who holds them accountable? Second Complaint - Comes in two parts : Part A : When we originally notified US Bank Mortgage and Files for a Loan Modification I was XXXX XXXX XXXX and now in XXXX I will be XXXX . The bank can calculate loan duration and age. I would be in my XXXX when this loan is paid off. Also, after age XXXX earnings capacity is reduced. I believe their is some age discrimination going on. Furthermore, I have 20 years of working with distressed companies, the bankruptcy court and banks. Banks can do what they wish depending on how they label the debt. So why not provide me and my family a loan modification Part B. Second Complaint I have tracked down the HAFA program and reviewed the requirements to qualify for the program. In addition, I found a link to A US Bank website offering the Home Affordable Foreclosure Alternative ( HAFA ). Obviously this is the program that you referred to when we engaged XXXX but the program end on XXXX XXXX but was never offered as an option for our family. So why were we discriminated against? See the link : https : / XXXX HAFA REQUIREMENTS Basic eligibility and U.S. Bank specific requirements : Loan is on borrowers principal residence ; ANS : Yes - We comply First lien mortgage loan originated on or before XXXX / XXXX / XXXX ; ANS : Yes XXXX - We comply The loan is 31 or more days delinquent or default is reasonably foreseeable ( loans currently in foreclosure or bankruptcy are eligible ) ; ANS : Yes - We comply The current unpaid principal balance is less than or equal to {$720000.00} for a 1 unit, {$930000.00} for a 2 unit, {>= $1,000,000} for a 3 unit, or {>= $1,000,000} for a 4 unit. Property not vacant or condemne d ANS : Yes to Unpaid balance and Yes to Property Not Vacant or Condemned A borrower has documented a financial hardship, evidenced by a signed Hardship Affidavit or Request for Modification and Affidavit ( RMA ), wherein the borrower has represented that he or she does not have sufficient liquid assets to make the monthly mortgage payments ANS : Yes to all and well documented in the US Ba nk and in our files from numerous request for information that was resubmitted over 3 years up until the HAFA program expired on XXXX XXXX XXXX Loans greater than {$400000.00} will not be eligible for HAFA options if the borrowers liquid assets or reserves ( i.e., savings, stocks, bonds, retirement accounts ) are greater than 25 % of the projected total loss. ANS : We exhausted all of our liquid assets Borrowers with a shelter payment to income ratio less than 31 % are not eligible for HAFA. ANS : The US B ank denied stated our Income to ration was less than 31 % - What was it between XXXX and XXXX during the life of the HAFA Program The shelter payment includes principal, interest, insurances, taxes, and homeowner association fees. ANS : Yes US Bank Mortgage Assistance and Loss Mitigation was aware of the HAFA program and US was openly promoting the program as a loan modification program option but when we filed for Mortgage Loan Modific ation in XXXX until the HAFA program expired on XXXX XXXX , XXXX the program was never offered. Also, the bank is evaluating our modification based on our current loan interest of 6.28 percent VS the 4.5 percent interest they advertise for what is call Jumbo loans. I am not a complainer by nature but I know when some things do not add up. If you require more details, I can provide three years of dates, names and documentation. Also, as an FYI, we will recover financially in XXXX but unfortunately US Bank Mortgage will not give you credit for future success. | ||||||
| 05/05/2020 | Yes |
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| XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a not-for-profit corporation that receives credit card payments from members annually. Elavon ( formerly XXXX XXXX XXXX before name change ), a wholly owned subsidiary of US Bank Corp., is the credit card processing company that processes members credit card payments to XXXX. A contract was executed by XXXX in XXXX with XXXX XXXX XXXX. An accounting analysis from XXXX onwards has indicated that there has been an overcharge of over {$75000.00} from XXXX up to XX/XX/XXXX as compared to the contract with Elavon. Elavon has not produced any documentation as to changes in the contract rate despite numerous requests from XXXX. We have asked to be reimbursed the overcharge but Elavon refuses to cooperate. 1. XXXX XXXX XXXX, a wholly owned subsidiary of US Bancorp, changed its name to Elavon in XX/XX/XXXX. See XXXX PRESS RELEASE enclosed. Since XXXX Elavon has been the credit card processing company for the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a non-profit corporation. 2. Enclosed Merchant Application is the original application signed in XXXX by XXXX XXXX XXXX, the then president of XXXX, in which a rate of 2.54 % for qualified transactions and 3.54 % for non qualified transactions are set out. In addition there is a .XXXXper item charge. 3. I have done an accounting analysis of the credit card charges since XXXX as I only have available financial statements going back to XXXX. The analysis is XXXX Elavon Charges enclosed which shows the fees being charged and the credit card revenues. We have used 80 % as an average of the credit card portion of total income received given that is the best estimate of the administrator that looked after this for 11 years. The other 20 % is received by check. The financial statements only show income and do not segregate credit card income from check income. Hence the 80/20 split is an estimate which we believe is accurate. 4. In the XXXX Elavon Charges Analysis note that there has been an over-charge of {$75000.00} over this period up to XX/XX/XXXX. In addition we were advised that a reasonable interest rate to use in this situation would be 5 % per annum which we used to calculate that we should receive {$93000.00} total rebate for the over-charge. 5. When we first identified this over-charge we got in touch with Elavon and we were directed to deal with Mr. XXXX XXXX XXXX, client rep. See Correspondence enclosed for the ongoing correspondence. He initially indicated that Elavons fees are noted at the top of the monthly statements sent from Elavon. We searched our files and could not find any such notation on any of the statements. I then asked him to produce a copy showing such a notation and he indicated that they dont keep copies, which I find hard to believe for a banking organization. At that juncture he claimed that Elavon sends an annual rate increase letter. We looked in our files for these we found none. I then asked him to send us a copy of the rate increase letters that he claimed had been sent to us and he responded that they dont keep copies ( see his XX/XX/XXXX email ), which I find to be ridiculous for a financial institution. I then notified him on the amounts owing based on the XXXX Elavon Charges Analysis. He responded that their Terms of Services agreement permits them to charge these fees and as such no compensation would be forthcoming although they were prepared to give us a three month rebate. The Correspondence enclosed comprises ( note that time stamps shown on the emails differ based on time zone differences ) : a. XX/XX/XXXX from XXXX XXXX, the executive director of XXXX at the time to XXXX XXXX outlining the problem and asking for an explanation. b. Response XX/XX/XXXX from XXXX XXXX saying that there are two rates and that the non-qualified rate is 7.5 % plus XXXX for each transaction. This was completely new information for us. We had never been informed of there being a qualified rate and a non-qualified rate. Furthermore he was offering us to get on to a new program which is very similar in rate structure to what we had thought we were on based on the original application. Why nobody from Elavon thought it reasonable to inform us of this prior to our complaint is something we do not understand. c. XX/XX/XXXX from XXXX XXXX asking for an explanation as to qualified and non-qualified rates. Also letting Elavon know we had never been informed of this before despite repeatedly asking for information. d. Further correspondence on XX/XX/XXXX back and forth culminating in XX/XX/XXXX from XXXX XXXX indicating that he would submit a general complaint into their system for it to be researched. e. XX/XX/XXXX from myself, XXXX XXXX, treasurer of XXXX since XX/XX/XXXX, to XXXX XXXX asking for a variety of material including contractual arrangements. f. XX/XX/XXXX from XXXX XXXX saying that there was no contract, that the account was on a month by month. Followed by another email on XX/XX/XXXX from him after several phone calls between us. In the phone calls he first said that Elavon fees were noted at the top of monthly statements. We searched our files and could not find any such notations-see Sample Statements enclosed. I then called him back asking him to produce a copy. He then called me to say that they dont keep copies but that they send an annual rate increase letter. We then searched our files again and couldnt find any of these either. Then I phoned him and told him that we couldnt find any and could he please send us copies. He sent his XX/XX/XXXX email in response indicating that they do not keep such letters on file. It is hard to believe, given that they are a financial institution, that they do not have financial records of statements or rate letters if these actually existed. g. XX/XX/XXXX from me to XXXX XXXX : in this I outline that what they had charged us was contrary to their press release claims ( see Press Release enclosed ) that they would respond to the expanding needs of merchants in multiple segments in helping businesses better manage costs. They had certainly not done that with us so this was false advertising as far as I was concerned. I asked if they had an Ombudsman/Complaint process. h. XX/XX/XXXX from XXXX XXXX to XXXX XXXX. In this email he forwarded the Terms of Service the first time we had ever seen this. He drew my attention to 18.2 in which Elavon is required to inform the client of a proposed change in a periodic statement or other notice. They have not produced any copies of any notices to us of any kind as to rate increases. In our files we could not find any and we find it incredulous to think that a financial institution would not keep records. Attached Statement Samples shows the kind of statement we got monthly from Elavon. There is no notation of rates. i. My XX/XX/XXXX email which is self explanatory. j. My XX/XX/XXXX email to XXXX XXXX reviewing the overall situation and our analysis. In it I attached the XXXX Elavon Charges analysis and what they owed us to reimburse us for the overcharges. k. XX/XX/XXXX email from XXXX XXXX to me indicating that they have deemed that they are not at fault ; that theyre willing to give us a three month refund ; and other factors they offered which they indicated would save us money. We have not responded to this because we have last any trust in Elavon and hence we have changed our credit card processing to a different company. 6. The Terms of Services Agreement XXXX XXXX referenced had never been sent prior to his XX/XX/XXXX email. Enclosed TOS - ENG is what he sent. In the Terms of Services the following are of interest : Article 7.3 indicates that they may adjust fees in accordance with Article 18.12. However, Elavon never once notified XXXX that they were changing the rate. Had they done so XXXX would have certainly shopped around for better rates than the 6-7 % rates Elavon began charging without our knowledge. There were and are many substantially better rates in the marketplace. Article 2 sets out that the TOS is binding based on the company application which constitutes the acceptance of the terms and conditions contained in the TOS. The only company application was the original one signed in XXXX. Article 18.6 calls for arbitration for any disputes. However XXXX can not afford a full scale arbitration. We need to rely on consumer protection. 7. We have never received any of the documentation that XXXX XXXX of Elavon has claimed was sent and they have not been able to produce any such documentation. They have consistently tried to obfuscate and, in my mind, their claim that they have no records is a falsehood. This is a financial institution after all! 8. I, XXXX XXXX, became XXXX of XXXX in XX/XX/XXXX. I am an unusual XXXX in that I had a business career of over 25 years before beginning my training as a XXXX. Prior to me becoming XXXX in XXXX, XXXX there was no one in the organization who had the business acumen to analyse the credit card charges, and Elavon took advantage of this to charge whatever they wanted at egregiously high rates. Elavon never properly informed us of any of these rate changes. | ||||||
| 11/20/2020 | Yes |
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| XX/XX/XXXX I was laid off from my {$92000.00} a year job, I asked for a forbearance immediately and by XX/XX/XXXX was approved. My mortgage payments was {$1400.00} monthly at this time and I was current on my mortgage. This includes escrow ; taxes, home insurance and mortgage insurance. 5 months later around XX/XX/XXXX I find another job, now making only half what I was making before my forbearance, around {$51000.00} a year and noticed my mortgage is now at {$1700.00} monthly. A U.S. Bank employee suggested that I ask for an extended forbearance, to get an idea of what my first couple paychecks would look like, and ask for help on figuring out why my new monthly mortgage is now this high of a payment. After 3 full paychecks, getting paid every other Friday, I fill out the loss mitigation application and get a response back with programs I did not qualify for. The unemployment program, because I was not unemployed and the HAMP program, because of my credit score and a payment amount exceeding a target amount? Something ln that area I didnt understand. I did qualify for the Stand Alone Partial Claim. No information at all about this program was given except a letter stating that I must sign a trial period payment plan of {$1700.00} due by XX/XX/XXXX,, in order to accept this plan and permanently modify my mortgage payments for the HAMP program. I was not qualified for the HAMP program, what amount of money goes into the Stand Alone Partial Claim, how do I appeal a decision the correct way? and what is it? Why is this different and higher than the new monthly payment amount on my statements? Why if I did not have enough income to pay this high amount for my mortgage, did I feel forced to have no other option but to file bankruptcy to pay this high amount to keep my home. Why was no other options available or explained to me correctly if at all? Not enough time to get correct true answers between one employee to the next, including not being honest about the Credit Check for qualifying for any of these programs after my wife XXXX XXXX and I asked 3 different employees 3 separate times. I was left with no choice but to file chapter XXXX bankruptcy. I filed on XX/XX/XXXX. For me to even consider trying to make this monthly payment I had to eliminate a car payment and lose the car and eliminate all other debt that was not on hold for COVID-19, such as credit cards attacking me while I lost my job and lost half my income. I know no other way to keep my home but to do this. Now Im confused more than ever.. do I still qualify for the Stand Alone Partial Claim? Am I marked as current as of todays date, even after filing my bankruptcy a week ago? I cant trust what US Bank is telling me anymore nor can I trust where they apply my extra payments I pay In my mortgage payments after specific instructions where I need them applied, like late fees or escrow every time. What do I do to get answers and not lose my home? Why cant I get an amount of what is going into the Stand Alone Partial Claim? Why would US Bank, FHA or anyone else NOT warn consumers that if they need to ask for a forbearance, if they have low credit, bad, or average credit, to consider other options? They will check credit scores in order to qualify and modify your mortgage to make your home affordable, if you were affected by the COVID-19 pandemic. If the company I worked for, XXXX XXXX XXXX, having a XXXX XXXX position, did not have to shut down for a long period of time, because of a mandatory order given, making all work come to a halt in the company. I would still have my job and making this high of a payment would not be that big of a problem, nor would I have filed bankruptcy. My wife, filed XXXX XX/XX/XXXX just had a hearing and is still waiting for a final decision, she has felt helpless the whole time. Now so do I. I owed almost {$210000.00} on my home as of XX/XX/XXXX. My home is worth around {$330000.00} now. I work for the XXXX XXXX XXXX now with, XXXX XXXX XXXX and have a family of XXXX as of todays date. With bad credit, now bankruptcy, I wont be able to sell and buy another home, I probably wont be able to rent another home either due to credit. I want to keep my home, please help! Please at least let other consumers know they will check credit scores. In my opinion, there should be more options for people like me that was affected by the COVID-19. I have equity in my home, U.S. Bank only extends their refinance loans out to 15 or 20 years, not 30 years. By doing this, creates hardship for many to modify their loans due to the length of the loan extended out to 15 or 20 years instead of 30 years. If I had the option to pay for an update appraisal of my home, not get disqualified based on my credit score ( due to reasons to have to modify, caused by the pandemic only ) and extend my mortgage back to 30 years, I would be able to save at the very least immediately {$150.00} a month, due to PMI. My LTV would be satisfied and I would not need to pay that portion in the mortgage payment. When U.S. Bank, repeats themselves in every monthly statement and in their web site, If you are facing challenges making your mortgage payment, we are here to help, I feel it is false advertisement, false hope for me as a consumer and a false promise as advertised. In no way, shape or form is U.S. Bank helping in any way to help me when I face my challenges making my mortgage payment. U.S. Bank only partially offered what was offered through the CARES act and programs that are backed by FHA, in my case. It left my options in a no win, guarantee fail position. I paid mortgage insurance, U.S. Bank is insured if I fail, is able to sell my home extremely fast and it is absolutely not underwater, how can they go wrong and why would U.S. Bank want to work with me now, me making less money and bad credit? I dont understand, What are my options? please somebody give me real, honest answers. I told my bankruptcy attorney, in order for us to pay a mortgage at this high of a monthly payment, I have to stop any garnishment from creditors, lose my car payments and car, this will bring my auto insurance down, Ill find cheaper home insurance and I was approved for the Stand Alone Partial Claim. Explaining this brings all the forbearance payments into a separate loan. I just did not know the amount that was going into this Partial Claim nor did I know why my mortgage payments was so much higher now then they were before? I believe he understands this. I told him I want to keep my home and currently on forbearance. XX/XX/XXXX, when I asked a U.S. Bank employee, if bankruptcy would still allow me to qualify for any of the loss mitigation options regarding my forbearance? She stated yes and I will still also be approved for the Stand Alone Partial Claim if qualified for the rule of current on mortgage 30 days or less, whether I filed bankruptcy or not. After filing the bankruptcy and noticing my new payment amount of over {$14000.00} due by XXXX XXXX, XXXX and stating Im so many days delinquent, I called U.S. Bank, XX/XX/XXXX, a U.S. Bank employee stated to me, my bankruptcy attorney will now figure out a monthly payment, I will make on my mortgage and any payments made to U.S. Bank meanwhile will be all voluntary until then. I dont know what that means? Do I still pay XX/XX/XXXX or do I get denied for the Stand Alone Partial Claim due to payment being voluntary? Confused, I have been hearing about and reading updated blogs, news and looking up information about issues I do not understand what my bankruptcy trustee is doing, as well as U.S. Bank conflicting monthly statements and letters since this forbearance began, I now dont know what is going to happen? I get the idea that chapter XXXX bankruptcy, is more option to lose your home if I do not get the Stand Alone Partial Claim after my forbearance and US Bank does not accept my XXXX XXXX XXXX, payment as an acceptance of that approved program. Will U.S. Bank place me as delinquent and require the entire amount due because of filing a Chapter XXXX bankruptcy? Is this a well known set up plan? Honestly how much worse can it get and what other options does someone like me have? Forbearance was not a help, if I would known, I would have to make this high or payments monthly and to modify was based on my credit score, at least I would been prepared mentally that I had to pack up and move from my home. These programs in the end, were all set up in a way for someone in my position to fail. Im having a difficult time uploading all my documents, this is my 5th attempt and my wife XXXX XXXX called the CFPB twice today to let them know, about our complaint and our uploading problems. I'm running out of time and need answers. If anyone needs to see any additional documents, I have them all and can send them another way. I wanted to send over copies of pay stubs, proof of new income, all billing statements, projected escrow analysis statements and home insurance statements but unsuccessful. I do have them available. There is the copy of the loss mitigation application i filled out, I hope this helps somewhat. Thank you. | ||||||
| 11/27/2019 | Yes |
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| OVERVIEW I opened business checking and business savings accounts with US Bank and there are two issues, corroborating documentation is attached. Both accounts are still open and in good standing : 1. US Bank refuses to honor a promotion they acknowledged multiple times ( also in writing ) I was enrolled in and successfully completed the terms for. I opened a business checking account and savings account in-branch using a public promotion. Various US Bank employees have confirmed multiple times in writing, in person, and over the phone that I was eligible for the promotion, successfully enrolled, and met the terms. This is after several months of false promises and confirmations while I attempted to work with them in resolving the issue. Despite telling me on multiple occasions that I had been enrolled and I met the terms, US Bank ultimately said I wasn't " targeted '' for the public promotion and they will not honor it. They also claim the promo code ( XXXX ) was a one-time use code and already used by someone else when I opened the account. This is highly-unlikely because, in addition to the facts below, the code itself is both generic and not generated for a targeted recipient ( as redemption codes virtually-always are ). I was provided written confirmation directly by US Bank confirming I was eligible and enrolled, including sending me the terms via e-mail so I had them on-hand. Further, there is no language in the terms ( or in any written communication ) about the promotion being targeted. I have exhausted every effort to resolve this with USB, including notifying them of my intent to file a CFPB complaint. 2. The banker didn't open the account correctly and I needed to physically return to the branch on three separate occasions to fix her account opening errors. ATTACHMENTS Flyer with promotion terms Business checking and savings transaction histories showing completion of promotion terms and added USB fees E-mail chains between me and the US Bank banker who opened the accounts Recording of the XX/XX/XXXX call with the US Bank XXXX XXXX manager ( XXXX XXXX ) MAJOR EVENT TIMELINE ( excluding many additional calls to USB about the issue, all XXXX ) : XX/XX/XXXX - I called the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and spoke with a banker, XXXX XXXX. We discussed opening a business checking account and I mentioned the promotion ( attachment 1 ), which she said I'd be eligible for. I forwarded her the promotion via e-mail ( att. 4 ) to save us time in opening the account in branch. XX/XX/XXXX - XXXX encourages me to open the account with her before XXXX so I can meet the deadline for the promotion ( att. 4 ). XX/XX/XXXX - Opened account ( XXXX ) in-branch with XXXX using the promotion, I was provided a flyer in-branch with the terms. XXXX verbally confirmed that the promotion was attached to my account during opening. XX/XX/XXXX - XXXX e-mails me stating that she made an error ( # 1 of 3 ) during account opening and I need to come to the branch to resolve it ( att. 6 ). XX/XX/XXXX - XXXX e-mails me about a second account opening error ( # 2 of 3 ) I need to resolve in branch ( att. 5 ). XX/XX/XXXX - Platinum Business Money Market account XXXX is opened in-branch and funded. I am not informed of the fees on the account ( which accumulate later ). XX/XX/XXXX - XXXX, over e-mail, confirms several terms of the promotion the account is enrolled in ( att. 6 ). She informs me of a third account opening error ( # 3 of 3 ) I must amend. By this time I've already returned to the branch three separate times to fix USBs errors. XX/XX/XXXX - A banker at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX confirms in-person that I am enrolled in the promotion and I have thus far met the terms. XX/XX/XXXX - I speak with a banker at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. He reviews the promotion terms and my account history and verbally confirms to me that I've met the terms. He notes there is a waiting period for deposit verification in the promo terms and I should only escalate the issue after it has expired. I make a deposit to account XXXX and leave. Late XXXXAll of XXXX - I engage in multiple calls between the XXXX XXXX ( mainly XXXX ) and business servicing, where the branch tells me to speak with servicing and servicing tells me to speak with the branch. There are three instances where bankers at the XXXX XXXX tell me they have sent notices to the back office and I should hear back within a few days. I never hear back, and despite continuous calls to the branch and account servicing, the issue never progresses. The branch and back office continuously shuffle me to each other to absolve responsibility in finding a solution. I am assured by both servicing and the branch, repetitively over the month, that I only need to be patient and this time around itll be resolved. XXXX XXXX - I call the XXXX XXXX and speak to XXXX to inquire why the promotion hasn't been deposited. She confirms with me over the phone that I've successfully met the terms of the promotion and assures me it hasn't been deposited yet because the deposit verification period in the promo terms hasn't passed. She says she's sent a request form to inquire why it hasnt been honored, and even attaches the promotion itself to her e-mail so I can review the terms ( att. 6 ). XX/XX/XXXX - As a last ditch effort, I call XXXX to ask if shes heard from the back office ( this time around ) regarding why I havent received the promotion bonus. She says they just got back to her a few days prior and their research showed I wasnt eligible for the bonus because I wasnt targeted. I ask if she can help me understand the written, phone, and in-person communications Ive been having for months with USB that confirmed I was eligible for the promotion, enrolled, and I completed the terms. She tells me shes sorry for the inconvenience and misunderstanding. FINAL EFFORTS + CFPB COMPLAINT ADVISORY XX/XX/XXXX - I called USB business account servicing and spoke with XXXX XXXX, who informed me that he could schedule a callback with a supervisor about the issue. I informed XXXX that this would be the fourth time Ive done this exact process with his department and to save him time, Im only calling in to check if theres any recourse I can take before filing a CFPB complaint. I appreciate that XXXX seems genuinely concerned and is proactive, though it is clear to us both that there is no recourse available during the call beyond what has already been tried three times. I notify that I am filing a CFPB complaint. XX/XX/XXXX - I called the XXXX XXXX and spoke to XXXX XXXX XXXX recorded call attached ) who identified himself as the manager. I gave background on the issue, which he explained he was already intimately familiar with. He ( somewhat rudely and in an annoyed manner ) questioned why I was following up with an issue US Bank considers closed, telling me his bankers and the back office had done a lot of research on my account and affirmed that Im ineligible for the bonus. The reasons he gave multiple times were the XXXX promo code was already used when I came in, and the code was a targeted mailer. I related that I had records and was calling as a last-ditch effort before submitting a CFPB complaint, and before submitting, I wanted to confirm that there was absolutely no recourse left for me to pursue at this point. He said that the issue is closed and as far as hes aware theres no recourse. I notify I am filing a CFPB complaint. The recorded call with XXXX is attached. ADDITIONAL DATES OF COMMUNICATION These are a FEW confirmed dates I called XXXX and other bankers at the branch to enquire about the status of the promotion, with no tangible effect : XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These are a FEW confirmed dates I called US Bank 's business account servicing department to inquire about the same, with no tangible effect : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Note the above dates are only those I could verify on my cell phone and DO NOT include about 15 other calls made from my office between XXXX and XXXX, speaking with XXXX XXXX and account servicing. PROMOTION TERM COMPLETION DATES Attachment 3 and 4 contain the transaction histories for checking XXXX and savings XXXX. Attachment 1 contains the promotion terms. Term 1 XX/XX/XXXX - Opened a Business Silver Checking Package XX/XX/XXXX - Opened a Platinum Business Money Market account and funded with {$8300.00} Term 2 XX/XX/XXXX - Deposited {$1600.00} of new money funds to XXXX in-branch ( {$1600.00} of {$5000.00} ) XX/XX/XXXX - Deposited {$2400.00} of new money funds to XXXX in-branch ( {$4000.00} of {$5000.00} ) XX/XX/XXXX - Deposited {$1000.00} of new money funds to XXXX via ATM ( {$5000.00} of {$5000.00} ) US Banks Deadlines ( per their terms ) XX/XX/XXXX - Final deadline for USBs stated deposit verification to happen. XX/XX/XXXX - Final deadline for deposit of the {$400.00} promotional bonus to the savings account ( 45 days after deposit verification ). Not honored. | ||||||
| 11/22/2022 | Yes |
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| Refer to Complaint # XXXX US Bank allegedly responded to my complaint on XXXX/XXXX/22. In the letter, US Bank simply repeated the facts I provided in my original complaint ; the timeline of the letters sent, my calls, and attached a copy of their cardmember agreement that I already had. In the alleged XXXX page letter US Bank addressed not XXXX single issue I raised, such as evident violation of my rights to privacy and federal tax disclosure laws. They direct me to Section XXXX of their own cardmember agreement that has nothing to do with cancellation of accounts. No provision in Section XXXX applies to my account. I am not in Default, US Bank directs me to Default section XXXX. What is this, a sick joke or making a fool out of a consumer? Or just trying to make a mockery of Consumer Financial Protection Bureau? Section XXXX of cardmember agreement states : " XXXX. Collecting Credit Information about You : You authorize us to make any credit, employment and investigative inquiries we feel are appropriate related to giving you credit or collecting amounts owed on your Account. You agree that a consumer credit report may be requested periodically from XXXX or more consumer reporting agencies ( " Credit Bureaus '' ) and used in connection with your application and any update, renewal or extension of credit. We will provide information about you, your Account or your credit history to Credit Bureaus and others who may properly receive that information. '' Section XXXX does not state that I authorize US Bank to pull my XXXX years of federal tax returns and bank statements when I did not apply for new account, I submitted no application for credit, I did not default, I am not subject to fraud or identity theft, I did not commit any crime, I did not provide false information. I DID NOTHING WRONG. Even in those cases US Bank and XXXX ARE NOT allowed to make an illegal request of federally protected confidential tax returns. Am I buying a real estate to be subject to such request? NO. Did I apply for mortgage? NO. So, why am I being directed to Section XXXX of the agreement? I already read the entire agreement trying to find the needle in the haystack. There is no needle. The agreement is very clear. I have not violated any provision of the agreement to be subject to such harassment by a credit card company. XXXX more time, I need VERY specific answers, facts that state the reasons behind requesting federal tax returns of the last XXXX years, and bank account statements among other things. As a consumer protected by FCRA, CCPA, as well as confidential tax disclosure laws, I have the right to know what US Bank is trying to throw under the rag and is not telling me to protect me from alleged fraud or identity theft that I am completely unaware of? I demand transparency, and not XXXX pages of duplicate complaint language. US Bank and XXXX are the same entity. And they are involved in illegal business practice of requesting consumer 's XXXX years of federal tax returns that is protected by 26 U.S. Code section 6103 due to its super confidential nature. Credit card companies are not listed among government agencies that are allowed to gain access to consumer 's tax returns for hundreds of purposes stated in the code section. Here is the Section XXXX language from the cardmember agreement : XXXX. Default : You and your Account will be in Default if : a ) we do not receive the Minimum Payment by the Payment Due Date disclosed on the monthly Account statement ; ( DOES NOT APPLY ) b ) you violate any other provision of this Agreement; ( DOES NOT APPLY ) c ) you die without a surviving joint Cardmember ; ( DOES NOT APPLY ) d ) you become insolvent, assign any property to your creditors, or go into bankruptcy or receivership ; ( DOES NOT APPLY ) e ) you have made false statements on your Account application or in the maintenance of your Account ; ( DOES NOT APPLY ) f ) we have any reason to believe that your Account is in danger of, or is being used for fraud ; ( DOES NOT APPLY, MY CREDITS ARE FROZEN, I RECEIVED NO ALERT OF ANY FRAUD ) g ) you are a married community property state resident and you or we receive a written termination notice of this Agreement from your spouse ; ( DOES NOT APPLY ) h ) your Account becomes inactive ; ( DOES NOT APPLY ) i ) anything happens that we believe in good faith materially increases the risk that you will not live up to your payment and other obligations under this Agreement; or ( DOES NOT APPLY, I HAVE XXXX CREDIT SCORE AND EXCELLENT CREDIT HISTORY ) j ) this is a joint Account and XXXX of you notifies us that he or she wants the Account closed or will no longer be liable on the Account. ( DOES NOT APPLY ) You and your Account will also be in Default if you make transactions which go over your Credit Limit. ( DOES NOT APPLY ) XXXX. Illegal Purchases : You agree that you will not use or permit an Authorized User to use the Card or Account for any unlawful purpose, such as funding any account that is set up to facilitate online gambling. ( DOES NOT APPLY ) NONE OF THE PROVISIONS APPLY TO ME. The response is false, fake, bogus. US Bank is committing yet another violation of unethical business practices by so blatantly lying to the CFPB and the consumer because they can not come up with valid reasons for this illegal request. They are trying to make the consumer look stupid and unintelligent. I am not XXXX of them. US Bank is in violation of their own agreement and my privacy rights requesting disclosure of my individual federal tax returns and bank statements ( and by the way, I have accounts with US Bank, and they have easy access to my bank statements ). 26 U.S. Code 6103 - Confidentiality and disclosure of returns and return information, states in part : ( a ) General rule Returns and return information shall be confidential, and except as authorized by this title ( XXXX ) no officer or employee of the United States, ( XXXX ) no officer or employee of any State, any local law enforcement agency receiving information under subsection ( i ) ( 1 ) ( C ) or ( 7 ) ( A ), any local child support enforcement agency, or any local agency administering a program listed in subsection ( l ) ( 7 ) ( D ) who has or had access to returns or return information under this section or section 6104 ( c ), and ( 3 ) no other person ( or officer or employee thereof ) who has or had access to returns or return information under subsection ( c ), subsection ( e ) ( 1 ) ( D ) ( iii ), paragraph ( 10 ), ( 13 ), ( 14 ), or ( 15 ) of subsection ( k ), paragraph ( 6 ), ( 10 ), ( 12 ), ( 13 ) ( other than subparagraphs ( D ) ( v ) and ( D ) ( vi ) thereof ), ( 16 ), ( 19 ), ( 20 ), or ( 21 ) of subsection ( l ), paragraph ( 2 ) or ( 4 ) ( B ) of subsection ( m ), or subsection ( n ), shall disclose any return or return information obtained by him in any manner in connection with his service as such an officer or an employee or otherwise or under the provisions of this section. For purposes of this subsection, the term officer or employee includes a former officer or employee. '' Here is the Tax Disclosure language : " The law protects your tax return information from disclosure to other parties by the Internal Revenue Service. IRC Section 6103 generally prohibits the release of tax information by an IRS employee. However, there are important exceptions that you should be aware of. IRC 6103 ( d ) provides that return information may be shared with state agencies responsible for tax administration. The state agency must request this information in writing, and the request must be signed by an official designated to request tax information. IRC 6103 ( i ) ( 1 ) provides that, pursuant to court order, return information may be shared with law enforcement agencies for investigation and prosecution of non-tax criminal laws. IRC 6103 ( k ) ( 6 ) allows the IRS to make limited disclosures of return information in the course of official tax administration investigations to third parties if necessary to obtain information that is not otherwise reasonably available. IRC 6103 ( l ) ( 1 ) provides that return information related to taxes imposed under chapters 2, 21, and 24 may be disclosed to the Social Security Administration ( SSA ) as needed to carry out its responsibilities under the Social Security Act. Chapter 2 relates to self-employment income and does not normally concern employers. Chapter 21 concerns Social Security and Medicare ( FICA ) tax, and chapter 24 deals with income tax withholding. The IRS may therefore share information with SSA about Social Security and Medicare tax liability if necessary to establish the taxpayer 's liability. This provision does not allow the IRS to disclose your tax information to SSA for any other reason. SSA employees who receive this information are bound by the same confidentiality rules as IRS employees. Therefore, they generally can not disclose the information to a state Social Security Administrator ( SSSA ), state officials or other federal agencies. | ||||||
| 06/02/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX XXXX was served ( via United States Postal Service ) an illegal and voided order for garnishment by an attorney XXXX XXXX of XXXX XXXX, SD. This paperwork included proof of XXXX XXXX illegally garnishing XXXX federally protected income in her XXXX, Montana US Bank account. This illegitimate order was issued by a judge ( the order has no signature ) in XXXX XXXX, by a judge who continues to attempt to preside over a civil proceeding in which he completely lacks statutory subject matter jurisdiction, so the case is dismissed and voided. The order was served upon a XXXX XXXX branch. This illegal entry of order by XXXX XXXX and garnishment by attorney XXXX XXXX on XXXX exclusive protected income in her bank account violated federal and Montana statutory law. Unless otherwise stated herein, your account and this Agreement will be governed by federal law and, unless superseded by federal law, by the law of the state in which your account is located. XXXX US Bank account has been located in Montana since XXXX evidenced by the mailing address, property location for her home mortgage, and all deposits being in her Montana branch and by Montana sources. US Bank violated 25-13-608 M.C.A ; 25-13-614 M.C.A. Montana Code Annotated specifically states that XXXX is entitled to 19 types of exempt income or property, including : 4. Medical and/or XXXX benefits 5. XXXX benefits 6. Social Security and XXXX benefits 7. Unemployment benefits 8. Unmatured life insurance contracts 9. XXXX benefits 10. XXXX benefits, also called Temporary Assistance for Needy Families ( TANF ) 11. Workers compensation 12. Professionally prescribed health aids The garnishments included 100 % of XXXX only income paid by the State of Montana for purposes as listed above. Further, XXXX XXXX and XXXX XXXX garnishing 100 % of XXXX weekly income is prohibited under Section 303 ( b ) of the Consumer Credit Protection Act, 15 U.S.C. XXXX ( b ) ( 2 ) and further stated as ( c ) Execution or enforcement of garnishment order or process prohibited. No court of the United States or any State, and no State ( or officer or agency thereof ), may make, execute, or enforce any order or process in violation of this section. The funds garnished from US Bank constitute 100 % of XXXX weekly income and the taking is in violation of SDCL 21-18-52. No more than 20 % of a persons weekly disposable income may be garnished per SDCL 21-18-51. Moreover, XXXX does not reside within the county where US Bank was served [ XXXX ] and as it was not served upon the State of Montana or corporate headquarters of US Bank, so such service is defective. This illegal service in XXXX XXXX violated the current banking garnishments for foreign accounts and enforcing judgements across state lines, upheld across the United States since the early 1900s. A warrant of attachment served upon a branch bank does not reach the assets held for, or accounts maintained by, the defendant in other branches or in the home office. Cronan v. Schilling, 100 N.Y.S.2d 474 ( Sup. Ct. N.Y.Co. XXXX ). The 2nd Circuit Court holding that the separate entity rule precludes a court from ordering a garnishee bank operating branches in New York to restrain assets of judgment debtors held in foreign branches of the bank. Motorola Credit Corp. v. Standard Chartered Bank, 771 F.3d 160, ( 2d Cir. XXXX ) SOUTH DAKOTA COURTS LACK JURISDICTION OVER XXXX Courts are constituted by authority, and they can not go beyond the power delegated to them. If they act beyond that authority, and certainly in contravention of it, their judgments and orders are regarded as nullities. They are not voidable, but simply void, and this even prior to reversal. Elliott v. Peirsol, 1 Pet. 328, 26 U. S. 340 ; Old Wayne Life Assn. v. McDonough, 204 U. S. 8. Vallely v. Northern Fire & Marine Ins. Co., 254 U.S. 348 ( XXXX ) The burden of proof was therefore upon the plaintiffs to show by what authority the South Dakota court could legally enter a personal judgment against the statutory subject matter jurisdiction authorized by the South Dakota legislative branch, which states the plaintiff must be a resident of South Dakota at the time of filing - SDCL 25-4-30. XXXX XXXX acknowledged that the Plaintiff [ XXXX XXXX XXXX ] was a resident of Montana pursuant to SDCL 41-1-1.2. Instead XXXX XXXX stated he could be a resident of XXXX. It doesn't matter. This finding of the Court did not meet the mandatory forty-five day requirement and steps to establish residency as this Court established in Rush v. Rush, XXXX S.D. 56, 12-15, 866 N.W.2d 556, 561-62. When assessing a persons acts and declarations regarding residency, [ m ] ore weight or importance will be given to a persons acts than to his declarations, and when they are inconsistent, the acts will control. It is said in this connection that actions speak louder than words, but that the words are to be heard for what they are worth. Veseth v. Veseth, 147 Mont. 169, 173, 410 P.2d 930, 932 ( XXXX ) ( quoting 28 C.J.S. Domicile 18, p. 45 ). XXXX actions during the years at issue speak volumes. Id. at XXXX. Greenwood v. Montana Department of Revenue, DA 19-0615 ; XXXX MT 149. Both federal and South Dakota law is extensively established DIV18-41 must be dismissed ; with every order voided- even prior to entry by the court. The Court must dismiss any case over which it lacks subject matter jurisdiction. Fed. R. Civ. P. 12 ( h ) ( 3 ). Subject matter jurisdiction is the power of a court to act such that without subject matter jurisdiction any resulting judgment or order is void. Cable v. Union Cty. Bd. Of Cty. Comm'rs, XXXX S.D. 59, 20, 769 N.W.2d 817, 825. Subject matter jurisdiction is conferred solely by constitutional or statutory provisions. Lake Hendricks Improvement Ass'n v. Brookings Cty . Planning & Zoning Comm'n, XXXX S.D. 48, 15, 882 N.W.2d 307, 312. Furthermore, subject matter jurisdiction can neither be conferred on a court, nor denied to a court by the acts of the parties or the procedures they employ. Cable, XXXX S.D. 59, 20, 769 N.W.2d at 825. Lippold v. Meade County. Bd. of Commerce, XXXX S.D. 7 When the circuit court is without jurisdiction of the subject matter in litigation, the Supreme Court does not acquire jurisdiction by appeal to it from a judgment of the circuit court. In XXXX XXXX 's Addition, 85 SD 196, 201, 179 NW2d 268, 270 ( SD XXXX ). Schrank v. Pennington County Board of Commissioners XXXX SD 108, 43 ; 584 N.W.2d 680, 682 Federal law clearly states that res judicata does not apply when a court lacks jurisdiction. The elements of Federal claim preclusion are : ( 1 ) there must have been a final judgment on the merits ; ( 2 ) the decision was rendered by a court of competent jurisdiction ; ( 3 ) the prior action must have involved the same parties or their privies ; and ( 4 ) the prior action must have involved the same claim. According, however, to Rule 41 ( b ) of the Federal Rules of Civil Procedure, the following are not claim preclusive and are not considered an adjudication " on the merits '' : 1 ) a lack of jurisdiction 2 ) improper venue South Dakota states that res judicata is only applicable when a case is decided on the merits. A case can not be decided on the merits where jurisdiction is absent. As such, we are bound by the dictates of XXXX XXXX, both by reason of the exception to the Anti-Injunction Act, as well as by principles of comity, res judicata, and collateral estoppel. The following four tests must be met to sustain collateral estoppel : ( 1 ) The issue decided in the prior adjudication was identical with the one presented in the action in question ; ( 2 ) There was a final judgment on the merits ; ( 3 ) The party against whom the plea is asserted was a party or in privity with a party to the prior adjudication; and ( 4 ) The party against whom the plea is asserted had a full and fair opportunity to litigate the issue in the prior adjudication. Grand State Property , Inc. v. Woods, Fuller, et al., XXXX SD 139, 12, 556 N.W.2d 84, 87 ( quoting Black Hills Novelty Co. , Inc. v. South Dakota Commission on Gaming , 520 *295N.W.2d 70, 73 ( S.DXXXX ) ( other internal citations omitted ) ) ; see Grand Laboratories, Inc. v. United States , 882 F.Supp. 906, 909 ( D.S.D.XXXX ) ( applying collateral estoppel under South Dakota law ). SDDS, Inc. v. State, 15 ; 569 NW2d 289, XXXX SD 114 Therefore, any judge who intentionally and willfully enters a decision in direct contradiction of both established federal and South Dakota statute and law is proceeding in clear violation of law and subjects the judge to personal suit. " officers of the court have no immunity, when violating a constitutional right, from liability, for they are deemed to know the law. Owens V. City of Independence, 448 U.S. .1, 100 S. Ct. 2502 ; Hafer V. Melo, 502 U.S. 21. As such, XXXX XXXX is civilly liable for his intentional refusal to uphold state and federal law, including paying XXXX damages incurred. | ||||||
| 10/10/2023 | Yes |
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| Wrongful foreclosure/sale of property XX/XX/XXXX WITH OUT RECOURSE. When the original complaint filed with CFPB FILE # XXXX XX/XX/XXXX on U.S. Bank Home Mortgage rebuttal was received. In the Beginning of the Rebuttal U.S. Bank states that when the hardest hit funds WERE RECEIVED the funds were applied to missed payments from XXXX thru XXXX. NO WAY THIS IS POSSIBLE WE LIVED IN A HOME FOR 5 YEARS AND THEY NEVER RECEIVED A PAYMENT. I'M EDUCATED ENOUGH TO BELIEVE THAT NO COURT SYSTEM WOULD AGREE WITH THIS NOR ANY GOVERNMENT AGENCY UNLESS LOOPHOLES WERE INVOLVED. IF THE JUSTICE SYSTEM IS IN AGREEMENT WITH THIS IT HAS TO BE DISCRIMINATION ON ALL PARTIES. During the period XXXX thru XXXX I was in an active XXXX XXXXXXXX bankruptcy ; The trustee is in charge of sending all payments to the creditors and in fact I was garnished for these payments. ( XXXX XXXX XXXX filed XXXX XXXX ). There were multiple Addendums as well however U.S. Bank fell to acknowledge those. During the Bankruptcy process I was dealing with an entirely different Law Firm that represented U.S. Bank they were the attorney 's that showed up to the creditors meeting for U.S. Bank and agreed with the terms for the XXXX XXXX. U.S. Bank was being paid through Bankruptcy which show I was caught up with arrearages and the payments were continuing after the discharge of the bankruptcy. I asked for the Bankruptcy to be stopped because one of the rules of the program ( XXXXXXXX XXXX XXXXXXXX ) you could not be in an active bankruptcy. I reached out to my attorney who reached out to the trustee board and advised them of this matter which is why the XXXX XXXX stopped abruptly in late XXXX. When my attorney spoke with the trustee board and advised them of {$35000.00} approval the response was astonishing. My Attorney advised me when that payment comes in you should not owe much per the trustee board this was the best route taken in my situation. This was not the case US BANK OMITTED ALL BANKRUPTCY PAYMENTS AMOUNT OF {$25000.00} AND APPLIED THE HARDEST HIT FUNDS TO THE SAME YEARS THEY WERE PAID THROUGH THE ACTIVE BANKRUPTCY. U.S BANK CLEARLY STATED THIS IN THE CFPB COMPLAINT. U.S. BANK WAS NOT TO APPLY ANY OF FUNDS FROM THE HARDEST HIT/ XXXX XXXX XXXX XXXXROGRAM TO YEARS I WAS IN AN ACTIVE XXXX XXXX HOWEVER, U.S. BANK AND CLEARLY OUTLINED IN THE REBUTTAL TO THE GOVERNMENT FILE XX/XX/XXXX THAT THE FUNDS WERE APPLIED TO XXXX PAYMENTS FROM XXXX. U.S. Bank was Notified by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about the approval and asked amount delinquent and unpaid principal U.S. Bank responded {$4000.00} delinquent and unpaid principal amount of {$80000.00} which does not coincide with the Trustee board after the payments through the XXXX XXXX. ( PLEASE SEE ATTACHED DOCUMENTS ). HAD U.S. BANK APPLIED THE FUNDS FROM THE HARDEST HIT CORRECTLY AND NOT REPAYING THEMSELVES AGAIN FOR THE YEARS OF XXXX WHEN IN AN ACTIVE XXXX XXXXXXXX THE FUNDS WOULD HAVE BROUGHT THE UNPAID PRINCIPAL DOWN TO {$45000.00} amt U.S. bank sent to XXXX XXXX XXXX ) XXXX $ XXXX AND THIS EXCLUDES THE AMOUNT PAID THROUGH XXXX XXXX THAT HAS BEEN OMITTED. A XXXX XXXX XXXX Representative is also available to speak on my behalf. The day I signed off on the legal document for the funds for the Hardest Hit program the representative was disappointed and stated U.S. Bank is one of the hardest banks we have ever worked with when it came to this funding something seems off. Went on to say they have no idea how it is possible for me to owe this amount " the amounts does not add up ''. U.S. Bank sent a modification document dated XX/XX/XXXX XXXX different times forcing me to sign the document and was told by the representative if I did NOT sign the modification the funds would be forfeited and sent back. Fact the same individual that rebutted the government file XX/XX/XXXX provided this threatening information which is threatening and intimidating especially all I have gone through. Later down the line I found OUT that was not true. These funds were not repayable as long as the individual stayed in the home the 5 year period. U.S. Bank made sure I stayed in the home to take the home from me. please see all attached documents. 2. BEING IN AN DISCRIMINATIVE POSITION WITH U. S. BANK AND THE INFORMATION BEING BROUGHT FORWARD. U. S BANK NEED TO BE HELD LIABLE FOR THE PAIN AND SUFFERING I'VE SPENT DAYS DURING AND AFTER WORK, SCHOOL, RAISING MY FAMILY XXXX GIRLS ON MY OWN, SINGLE, XXXX WOMAN, AND MINORITY. I HAVE RECEIPTS THAT SHOW THOUSANDS HAS BEEN SPENT TO SAVE MY HOME AND U. S. BANK WILL NOT ADMIT TO WRONGDOING AND CORRECT THE MISTAKE AND MAKE THIS RIGHT. XXXX WAS THE 5 YEARS FOR THE HARDEST HIT PROGRAM AND WHAT THEY DO MADE SURE THEY FORECLOSED ON THE HOME AND TOOK IT FROM ME AFTER WRONGING ME AND THE COURTS SYSTEM. 14 YEARS THE MATH IS NOT MATHING. HARDEST HIT FUNDS SHOULD HAVE APPLIED STARTING YEAR XXXX FORWARD NOT XXXX. THIS IS DOWN OUT THIEF OF U. S. BANK AND HAD THE AUDACITY TO ADMIT TO DOING SO AND THE COURTS APPROVED IT. I ALSO CAN PROVIDE DOCUMENTS THAT HUD HAD FAILED MY LOAN HOWEVER THIS LOAN MADE IT THROUGH THE SYSTEM SOME HOW XX/XX/XXXX UPSIDE DOWN LOANS IS WHAT THEY CALL THEM. DOCUMENTS FROM XXXX XXXX XXXX XXXX XXXXXXXX, APPRAISALS OVER PROPERTY VALUE, TAXES DROPPED HOWEVER STILL BILLED HIGHER AMOUNTS, DIFFERENT FHA DOCUMENTS, DIFFERENT AMOUNTS OWED. XXXX XXXX XXXX XXXX XXXX THOUGHT I WAS PURCHASING A HOUSE ON XXXX XXXX XXXX ; THIS WAS WHEN RENT TO OWN WAS TAKING PLACE. WELL XXXX XXXX XXXX FLOODED WHILE WE THERE AND I REFUSED THIS HOME. XXXX XXXX XXXXXXXX AND LENDING DROVE ME AROUND UNTIL I FOUND XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX OHIO XXXX. A HOME ON THIS STREET WAS CHANGED FROM A 2 FAMILY TO A 1 FAMILY WHICH NOW CHANGE ADDRESSES. THAT BEING SAID THE HOME WAS A FORECLOSURE XXXX XXXX XXXXXXXX AND LENDING PAID XXXX OR LESS FOR IT. ONCE REHABBED AMOUNT FINANCED XXXX FHA TOTAL PUT DOWN {$7700.00}. THIS WAS THROUGH ALL OF THE FIRST TIME HOME BUYER PROGRAMS I SPENT DAYS TAKING AND USING VACATION TIME THIS IS ANOTHER GOVERNMENT ENTITY AFTER COURSES YOU ARE RECEIVING FUNDING FOR DOWN PAYMENT AND CLOSING CLOSE WHICH AMOUNTED TO {$4500.00}. CASH AMT PUT DOWN BY ME. {$2500.00} CLOSING CLASSES {$3000.00}, AND ADDITIONAL AMT PUT DOWN {$1500.00}. NONE OF WHICH IS RECORDED ON XXXX XXXX XXXX XXXX BUT FOUND ON XXXX XXXX XXXX DOCUMENTS. ALSO, MY ORIGINAL FHA NUMBER WAS FOR XXXX XXXX XXXX THE HOME I REFUSED TO PURCHASE. WHEN XXXX WAS CHOSEN THE FHA NUMBER NEVER CHANGED WHY WOULD 2 HOMES BE UNDER THE SAME FHA NUMBER. I ADVISED FHA OF THIS AND WAS INSURED THAT THIS IS SOMETHING THEY DO NOT DO. FHA NUMBERS ARE GIVEN FOR EACH HOME AND IF YOU DID NOT PURCHASE THAT HOME THE FHA NUMBER WAS ATTACHED TO THAT HOME IS VOIDED AND A NEW FHA APPLICATION WOULD BE COMPLETED AND A NEW NUMBER WILL BE PROVIDED FOR THE HOME THAT YOU CHOOSE. THAT'S NOT WHAT HAPPENED I HAVE PROOF OF THIS AS WELL. BOTTOM LINE SINCE XX/XX/XXXX US BANK HAS NOT BEEN HONEST AND HAS TRIED TO MAKE ME LOOSE MYSELF IN DOCUMENTATION IN HOPES OF JUST WHAT US BANK INTENDED ON DOING AND THAT IS TAKING OUR HOME LIEING ABOUT FUNDS RECEIVED FROM XXXX XXXXXXXX AND REPAYING THEMSELVES FOR THE KNOWINGLY YEARS THEY NEW I WAS IN THE XXXX XXXX THE REFUSED TO CORRECT THIS MISTAKE ON SEVERAL OCCASIONS EVEN THROUGH THE COURT SYSTEM, THE SYSTEM I THOUGHT WAS FOR RIGHT AND THEY ALLOWED THE BANK TO STILL WRONG ME. THE NEXT FILING ON US BANK IS DISCRIMINATION IT FITS ALL OF THE CHARACTERISTICS IN MULTIPLE CODES. THIS ISSUE COULD HAVE AND SHOULD HAVE BEEN RESOLVED THE FIRST CALL TO THIS BANK HOWEVER THEY CHOSE TO CONTINUE TO GO WITH THE FACT NO PAYMENTS RECEIVED YEARS XX/XX/XXXX, XXXX XXXX XXXX XXXX THE COURT ALLOWED THE LIE. WHATS MORE U.S BANK FILED THIS FORECLOSURE UNDER XXXXXXXX XXXX SPOUSE OF XXXX XXXX AND MY EX HUSBAND SIGNED OVER THE DEERS TO THIS HOME DURING THE XXXX XXXX XXXX PROCESS THIS BANK FOUND ANYWAY POSSIBLE TO SKATE BY THE COURT SYSTEM TO TAKE THE HOME ANYTIME A BANK CAN CLEARLY PUT IN BLACK AND WHITE A PAYMENT HAD NOT BEEN RECEIVED FROM XX/XX/XXXX, XXXX XX/XX/XXXX FOR 5 YEARS TO BE EXACT AND I'M STILL OCCUPYING THE HOME KEEPING IT UP, PAYING FOR REPAIRS, CUTTING GRASS MAKING SURE NO VIOLATIONS COME ABOUT FROM THE CITY , PUTTING IN NEW HOT WATER TANKS, REPAIRING CRACKS, HAVING THE STEPS REBUILT ON THE DECK ( XXXX ), HAVING TREES REMOVED THAT WAS DAMAGING TO THE UNDERGROUND FOUNDATION, AND ETC ETC, ANYONE THAT HAS A HOME KNOW EXACTLY WHAT IT TAKE. TO INSULT TO INJURY US BANK BOUGHT THE HOUSE BACK IN THE AMOUNT OF {$100000.00}. AMOUNT IN COURT WAS {$83000.00} THEY ADDED THAT THEY HAD TO PAY BACK TAXES IN EXCESS OF {$33000.00} THEY MADE SURE THAT THEY CAPITALIZED EVEN OFF RE-PURCHASING THE HOME BY LIEING ABOUT THE TAXES AND INSURANCE AS WELL. I WILL REITERATE HAD THE HARDEST HIT FUNDS HAD BEEN ALLOCATED PROPERLY THEY WOULD NOT HAVE BEEN ABLE TO CAPITALIZE ON THIS IN COURT BECAUSE BY BANKRUPTCY XXXX XXXX LAW ALL TAXES WERE PAID UNTIL THE MISS APPLYING OF HARDEST HIT FUNDS | ||||||
| 08/05/2021 | Yes |
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| First of all before going forward, the previous options clicked by me were not exactly the correct ones because I didn't see one pertaining exactly to my situation so I clicked closest one possible. My issue is with US Bank Relicard and I have had to file fraud charges multiple times, have been granted money back twice ( Meaning an investigation was done and agreed that it was indeed fraud by granting me my money back ). I have been explaining time and time again that " XXXX '' is in my devices a hacking XXXX developed software that is thee most intrusive and impossible to get rid of issue ( litterally impossible-unless you throw away device. No buying a new one doesn't fix the issue because if you can afford to have XXXX and use it ( millions ) then you probably are savy enough to just fallow or stalk the person and aim a device at the target and boom ur back in to their new one. Or i'm sure you don't have to even be that close now days with the infrared. Anyways i file a third time just like I told them I would have to even if i don't use it online, they give me money back then i spend {$350.00} around the XXXX of XXXX start of XXXX, now this time for whatever reason they claim is no signs of fraud and assured me that i would be able to request the proof that lead them to that decision. So I did, right when my money was wrongfully taken back out of my bank account and then put into a negative balance of {$350.00} which was also then taken from me upon my next automatic deposit they claimed they would send me proof. So I waited and nothing. Called again asked them to they said they see where I had requested it sorry i didn't receive it confirmed address then said they put a note in to make sure this time and waited, nothing again. This same exact exchange then goes on and on about 7-9 more times and it is now XX/XX/2021 and i am still out XXXX XXXX plus dollars with the last offer of possible resolution being " ok well I can certainly put in a request to have them send the proof of investigation to you that has been promised ''. The same exact statement I was told at the beginning. This lady was extremely rude and condescending lots of push back I was more than appalled and offended twisting my words and making false statements, at one point she claimed that to re open the case I would have to send proof in to show them why to reopen it. I am still waiting for the proof that they were not un-just in going into my account and taking what they had given me back in the first place. I have " re-opened '' this immediately after finding that there was a investigation that went not in my favor well i know for a fact 100 % that I made a correct fraud claim even paying the XXXX $ to send in a packet of transaction history and with everything i have told them in the past with this horrible hacking fraud stuff it seems not one thing was taken serious first of all and second if they have proof where is it? And at what point is the customer allowed to say " ok well it's been X amount of time and chances for them to send proof I think i will just go ahead and take my money now '' thee absolute only thing i have received pertaining to this issue that was sent to me aside from the first initial letter that pretty much was three lines of words stating " sorry our findings were not in your favor, if you want proof call usbankreliacard.com '' was a letter couple weeks ago that was poorly typed up and said " here you go hopefully this explains how we came to our decision '' not a ounce of any other info. What was inside that letter after was only a stack of 42 page back and front transaction history of that time period .... ok. All these months I have explained that hackers hackers and not to even put money on card maybe send paper check incase, and how ip numbers work how it could appear to be me logged on a device using my ip number and someone can get on your network and what do ya know, looks the sam . so I was expecting proof being something that should that side of it how they made confirmation that my claim was faulty, but nope instead i got my transaction history that I sent to them in the first place but with circled and highlighted lines and notes on it showing them. So proof this was not even close of if anything in my favor and somehwere sprinkles throughout these pages is the lines that are in fact fraudulent. Some easier to spot than others seeing as I used XXXX and so did the criminals to mask the charges aligning them right next to my actual real purchases at times very crafty. So at this point thee only " evidence '' we have that we can look up or hold on to and see is that i have filed fraud and been granted that was in fact true by investigators, then i was not, i was promised proof and them being aware of how i was being taken advantage of one could only assume that was taken into consideration being an investigator for a bank of all entities and a bank that was in partnership with us government handling everyones unemployment on top of all that, meaning this isn't a chosen place i had thought up this was assigned. But they made the decision they did being professional investigators and came back and took my money back, put me in a negative with kids, and promised to give me proof showing they are in-fact professionals and did their job thoroughly and ( also assuming once again looking at past track records of mine ) hadn't made a mistake on messing me over or that they are not criminals in going back into a persons private property and taking it. This has not only put me in more than a tight spot, it has messed many things up along the way with it severe XXXX, XXXX, and XXXX XXXX resurfacing from before this that was diagnosed by XXXX XXXX XXXX XXXX for the hacking and other craziness that i was documenting as well that resulted in losing my home, and health etc. this was the cherry on top to bring alot of XXXX right back i have been extremely polite only raising my voice once being this last time because of the way i was being talked down to like a child, and lady saying " is there anything else i can help u with?! '' Over snd over then i kept trying to say something and she repeats it so i said " yes silence! '' And of course her mental compacity for matureness response is " that doesn't pertain to your case Mr . XXXX! '' I the-requested to speak with other people who wouldn't treat me this way and has nothing to do with the decision of the case at this point id just rather be told " no '' even with some respect and matureness but this proved to be offensive to her and impossible as well. She has no people skills and the attention span of a gnat. This is out of control and ridiculous i also requested that she make a request to obtain the recorded phone call for '' quality customer and assurance purposes '' she then did the talk over me thing again and then tried to claim that she never said the word " silence '' referring to earlier me explaining how i had to raise my voice in saying that just to answer the question she kept repeating, in psychology we call that " deflection '' or deflecting blame, a common narcissistic trait used lots among the immature population or what have you along with her other false claims and or the condescending tones of voice used and sound of disgust or as if i offended her by simply explaining something that was said to be wrong and how it was wrong. I have been calling us bankreliacard just for this issue since XX/XX/2021 to now and not once have i ever been talked to like that And there is plenty of recorded calls to prove just that, and if needed to you can look at all of them and see exactly what level of up most respect and mannerisms i have held despite all of this horror story of a mess, I have said " please thank you " yes ill hold again '' and " thank you for your time and sorry you had to get dragged into this mixup. '' I have been told that they see where i had re opened this case I have had them say there is no note of any interactions, This last time ( this morning XXXX ) She said I needed to send my proof in to reopen it, and I " failed on my end to answer a phone call ''. As if I had done this to myself. The FACT IS that I SPENT {$50.00} AND MY TIME To do all the loops and things asked of me and sent in all that stuff already I was told they received it and get back to me. The FACT IS THEY FAILED TO UPHOLD SAID PROMISES ( MORE THAN 6 TIMES ) OF SHOWING PROOF THAT GOING INTO MY PERSONAL ACCOUNT AND TAKING MONEY BACK PUTTING ME IN A NEGATIVE was justified in, AND MESSING UP MORE THAN FINANCIAL ISSUES I was and am still in now even more so than I would be had I not been on phone over and over, or had the money from beginning. Had I not been stuck stuck at home because severe XXXX and worry about everything involving that. I am sorry for my poor grammar in this, I am using a tablet to type and in middle of making dinner and doing other tasks. Thank you for your time. | ||||||
| 08/05/2019 | Yes |
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| On Saturday XX/XX/XXXX I called US Bank to inform them that I had been scammed and to not pay a debit card transaction that would try to come through. I purchased tickets on-line and used my debit card to send the seller money through a mobile app called XXXX. It was the first and only time I used the app. You enter in your debit card number without a pin and enter in the seller information and it will charge your card and transfer the money. I initiated the transaction at XXXX XXXX on XX/XX/XXXX. It became apparent very quickly after entering in my debit card and sending the money that it was actually a scam. I tried to contact the seller through text and by calling and tried to cancel the debit card ( used as a credit card as no pin was entered ) transaction on the app, but it wouldn't allow it. I contacted XXXX customer service via the app and then contacted US Bank at XXXX XXXX, which was only 30 minutes after the transaction occurred on Saturday XX/XX/XXXX and it was quite apparent that it was a scam as the seller did not respond to any means of communication. I told the customer service rep at US Bank that it was a fraudulent person and a scam and to please not allow funds to be transferred. She said that there was nothing they could do until the transaction actually posted to my account as the money had already been sent. I said there has to be a way for you to flag/stop that from happening as it's a Saturday and funds are not settled on a non-business day. She again said there was nothing US Bank could do to help me until it posted to my account and the money had been debited. She instructed me to monitor my account and once it posted to contact them again. I watched my account and on XX/XX/XXXX the transaction posted, so at XXXX XXXX I called and filed the dispute. The person took my information and then asked if I had any questions. I said yes, I have copies of e-mails and police report, etc, how do I get this information to you. They replied that if during their investigation they need it, they will send a letter requesting the documentation. I never received a letter asking for any supporting documentation. Roughly 7 10 days after filing the dispute I received a canned standard form questionnaire to re-explain the scenario. There was no request for documentation. Since it was a canned form and not specific to me or my dispute, I concluded it was just a formality. Since no request for documents was requested, I concluded that no supporting documentation was needed. I wrote as much as I could on the form, talking about dates and times of communication, etc. I figured that once they received the canned form back, if they needed the actual documents to support my statements they would ask, as the person on the phone stated when I filed the formal dispute on XX/XX/XXXX. I never received any such request for any supporting documentation. I heard nothing more until on XX/XX/XXXX ( came in mailbox over the holiday weekend ), I received the letter stating that US Bank was denying my dispute because I received a service. The next day I tried calling the direct dial number on the letter, it went directly to voicemail and I had no clue if the person was in the office, so I called the 1-800 number. After 13 minutes of sitting in queue I was finally able to speak to a person. The person wasnt actually able to help me, but he stated that he was updating the notes in the case to reflect that I did not agree as I did not receive anything from XXXX XXXX and that I had e-mails and supporting documentation that was never asked for. He stated that he put that in the case and they would see it, probably before the end of the day. After not hearing a thing for two days, I called back on XX/XX/XXXX and left a voicemail on the direct dial number of XXXX from Cardmember Services. I finally received a call back later afternoon, XX/XX/XXXX. XXXX from US Bank confirmed what I already knew, based on the e-mail from XXXX, that US Bank never disputed my transaction with XXXX. They were never contacted! Based on what I was told by XXXX from Cardmember Services, US Bank made a determination of what the outcome would be solely based on the merchant name. They did not do any type of dispute with them as I had filed/requested, they did not reach out to me for any supporting documentation as they had closed my dispute without investigating. When I told her I had e-mails from XXXX stating they would do all they could to assist me, she told me to send her the copies of documents I had and she would ask her manager if they could dispute it for me. They had to have it in a fax and not a secure e-mail, so I went into the XXXX XXXX branch of US Bank on XX/XX/XXXX and they faxed for me. I heard nothing, so on XX/XX/XXXX I called and left a message. She called back and left a voicemail later that day and said she had just received my fax and she would file a dispute. It took 10 more days of time ; 10 days from when US Bank XXXX XXXX faxed the information from one of their branches to Cardmember Services, for them to receive it and act upon it. This was now 37 days from when they were first contacted and notified that I was scammed. Sometime after XX/XX/XXXX they finally submitted to XXXX. XXXX denied the dispute as it had been more than 30 days and the customer had already transferred the money so they did not have possession of funds on account to credit me back. ( shown in attached " message from merchant acquirer '' ). I heard nothing from XX/XX/XXXX until receiving a letter on XX/XX/XXXX ( dated XX/XX/XXXX XXXX, 55 days of hearing nothing. If you go from the date of the letter, another 49 days passed without hearing anything, more than 90 days from when they were first contacted. No updates, nothing at all. I went through XXXX and XXXX statement cycles and almost the XXXX cycle ( will cut on XX/XX/XXXX ) and heard nothing therefore I thought this was taken care of and behind us. I first notified US Bank of the scam on XX/XX/XXXX and received the letter on XX/XX/XXXX. It doesn't seem right that they can drag their feet and not dispute right away and then take 49 days once they do finally get around to disputing without any type of notification that it was still pending. Attached you will see my e-mails from XXXX on the very day of the transaction and then again on XX/XX/XXXX. Both state that they would love to help me and do whatever they could to assist but my bank had to dispute it. They couldn't just debit the customers account without cause. Due to the fact they US Bank did not submit a dispute to XXXX in a timely manner, I was not able to successfully dispute my debit/credit card transaction. In the 37 days that US Bank took to dispute it, the scammers funds were released to them to be able to withdraw. If US Bank had processed my dispute in a timely manner, I likely would not be out {$200.00}. XXXX likely would have had additional options to assist, perhaps hold funds pending proof from the seller, which would never have come as they did not transfer a thing to me. I was not aware that the bank could determine which disputes they were going to investigate and which ones weren't worth their time. They did not investigate or dispute my transaction for 37 days from when they were initially contacted about the scam. In no way is that a timely manner. They also did not investigate on their own, I had to call multiple times to insist that they act on my behalf. As the e-mails from XXXX state, they couldn't work with me to dispute my bank had to dispute on my behalf. They did not dispute on my behalf for 37 days from first being notified and only after being contacted multiple times. Every situation is different, they should not have assumed that my outcome would be the exact same as others. Did others contact XXXX within minutes of the transaction, were others transactions done over the weekend? Did others have concrete proof that they never received what they had purchased? They made a blanket determination without ever asking for or receiving supporting documentation. I used my debit card in good faith to make a purchase, I was not trying to get by with anything. I was not trying to use my card to receive goods and then try to get my money back. I was scammed and as my financial institution, they should have done everything possible to help me. Instead of doing that, they acted as if I was trying to get by with something and they did nothing. I had to contact them multiple times after they first closed the case to get them to actually do any type of investigation and dispute the transaction with XXXX. I feel very strongly that there would have been more available options for me, other than just being out of luck, to get my money back from the scammer, had US Bank acted sooner. Had they immediately investigated and disputed my transaction and nothing came of it, I would have accepted it. | ||||||
| 11/05/2019 | Yes |
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| This complaint is hereby filed to document another issue with my home mortgage company U.S Bank Home Mortgage ( USBHM ) concerning a Lender-Placed Home Owners Insurance and the aggravation encountered as a result of their actions. 1. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX titled LENDER-PLACED INSURANCE CONFIRMATION OF NON RENEWAL. This letter specified that U.S. Bank National Association was the Mortgagee and that in accordance with the certificate number XXXX under my loan with USBHM, this certificate expiration dates was to be effective XX/XX/XXXX which allowed me 14 business days to have another homeowners insurance in place for my house. ( See attachment # 1 ). 2. The NON-RENEWAL reason given by the insurance company for the reason for non-renewal was Request of the Name Insured Mortgage. Meaning USBHM. I waited to hear from USBHM in writing or via e-mail regarding this issue. However, since no correspondence was ever received from USBHM, on XX/XX/XXXX, I filed a complaint XXXX with the Consumer Financial Protection Bureau ( cfpb ) against USBHM for this action. 3. On a letter addressed to Ms. XXXX dated XX/XX/XXXX from US Bank and signed by XXXX XXXX, Mr. XXXX stated in Paragraph # 10 of his letter he stating to that " the Bank recently changed insurance vendors ... ... .... '' that the " lender placed policies through ... ... ... ... .old vendor were not renewed. '' Based on this, I began the process for the purchase of my own insurance. ( See attachment # 2 ). 4. On XX/XX/XXXX, a copy of this insurance policy was provided to XXXX XXXX XXXX at The XXXX XXXX XXXX, XXXX XXXX via e-mail. Ms. XXXX is the attorney who is presently handling my Chapter XXXX Bankruptcy. ( Attachment # 3 ). 5. This Homeowners Insurance Policy and premium purchased and paid by me on XX/XX/XXXX with an effective date of XX/XX/XXXX through XX/XX/XXXX was obtained through an insurance company called XXXX out New York. 6. In this e-mail, I explained to Ms. XXXX, the problem that I encountered due to the cancellation of the Lender-Place Insurance Confirmation of Non-Renewal received from XXXX XXXX XXXX XXXX which I believe is one of the insurance company listed in the USBHM Master Contract. 7. While conducting an on-line market research for the purpose of purchasing a Homeowners Insurance, I came across inaccurate information contained in my claim report from XXXX XXXX XXXX and obtained by XXXX XXXX on XX/XX/XXXX. According to this report, four ( 4 ) claims were filed under my property which prevented me from obtaining a Standard Insurance Policy with a well-known insurance company. ( See attachment # 4 ) 8. After a review of these information, I realized that three ( 3 ) of these claims were not filed by me. Investigations for these claims were initiated by the following institutions : XXXX ; XXXX, and the XXXX XXXX XXXX XXXX in XXXX, Virginia. However, when I contacted my prior insurance company, XXXX XXXX XXXX, I was informed that one of these claims was filed by USBHM on my behalf on XX/XX/XXXX. 9. I was not aware of the claim filed by USBHM nor was I in the area since I was attending to my mother who was ill in New York. In addition, I was appalled by this information received from XXXX XXXX since I was in constant communication with USBHM during that time due to a Uniform Borrowers Assistance Form ( UBAF ) and 4506t form that needed to be completed for a Loan Modification. ( See attachment # 5 ) ; e-mail dated XX/XX/XXXX ). Due to the time constraints in obtaining this insurance which did not allowed me sufficient time for the purchase of a Standard Homeowners Insurance. 10. On XX/XX/XXXX, I obtained a policy with XXXX in the amount of {$2200.00} which was forwarded to USBHM as a proof of insurance obtained by the insurance company. ( See attachment # 6 ). 11. However, on XX/XX/XXXX, I received a letter from USBHM dated XX/XX/XXXX ; this institution claimed that since they did not have evidence that I have obtained a new coverage, they were going to buy insurance coverage on my behalf. ( See attachment # 7 ). 12. On XX/XX/XXXX, I proceeded to call the Insurance Department at USBHM and ask for the State where the Master Contract was signed for customer under Lender-Placed Insurance. This information concerning the master contract was needed in order to find out who initiated the cancellation of the insurance policy. 13. In accordance with USBHM statement in the letter sent to my attorney, it was indicated that the Bank recently changed insurance vendor. I was also informed by XXXX that the reason for the non-renewal of the insurance was because, USBHM was allowing me 45 days to purchase an insurance which contradict the statement on a the letter sent by USBHM to my attorney on XX/XX/XXXX. ( See paragraph # 10 of attachment # 2 ) 14. On XX/XX/XXXX when the letter from XXXX XXXX XXXX was received, I called the bank to discuss this issue since I did not know who this insurance company was. I was told by USBHM that I needed to have my attorney contact their attorney while under Chapter XXXX protection. 15. To my dismay, I was also informed by XXXX that on XX/XX/XXXX and after receipt of my new policy from XXXX that USBHM when ahead and paid XXXX insurance company {$2200.00}. I requested to know why since I already had paid my insurance policy. XXXX sounded nervous and her response to me was that I may be owed a refund but first she needed to call another department to find out what can be done. 16. I asked her to call me back with a response and she stated that she did not have an option to call me back and that it was better if I hold on since we needed to have a 3 party conference call with that other department. The other department was not specified. XXXX also mentioned that I may have a shortage on my escrow. 17. After a long waiting period, she came to the line with another person name XXXX from the escrow department. I could not hear XXXX very well. His voice was low and fading and I could not understand what he was saying about the escrow and taxes. 18. In addition, I could not understand why XXXX department had anything to do with me getting and paying my own insurance. I asked XXXX to speak a little louder. XXXX stated that maybe if she leaves the conference call, I may be able to hear XXXX more clearly. 19. At that point XXXX excused herself from the conference call. However, I still could not hear XXXX clearly and at that point I asked him if he could call me back after XXXX XXXX on XX/XX/XXXX. As of today, XX/XX/XXXX, I still have not yet got a response as to why USBHM went ahead and paid for my insurance without prior notification to me or my attorney. 20. This action, again done by USBHM was done in an unethical manner taking under consideration that this changes the whole scenario to the revised payment plan and monthly payments scenario under Chapter XXXX. USBHM did not considered this change made by them which I believe have significant impact in modified plan was modified and the additional payments that was added to my mortgage payments with USBHM. 21. However, in lieu of USBHM write an explanation as to why of their action in paying my policy twice, a letter originated from USHBM of a CONSENT ORDER MODIFYING AUTHOMATIC STAY was received on XX/XX/XXXX from XXXX XXXX XXXX XXXX. ( See attachment # 8 ). 22. All these actions done by USBHM are arbitrary and capricious with no reasonable basis for their action which has prevented me from getting not only the right Standard Homeowners Insurance with a well-known homeowner insurance company. This is not a good business sound decision since it impacts my payments and maybe delays my confirmation once again. 23. At this moment, I am in communication with the following institutions concerning my homeowners insurance and investigation of erroneous and reported information in my insurance report : a. XXXX b. XXXX XXXX and c. XXXX XXXX XXXX XXXX in XXXX, VA 24. I request that the Office of the Consumer Financial Protection Bureau to investigate as to why USBHM is handling my mortgage loan so poorly. a. Why was my claim dated XX/XX/XXXX under my umbrella insurance filed without prior acknowledge and notification since my house was not abandoned nor was I in the area even though, I was paying for my umbrella policy with XXXX XXXX XXXX. b. What reason ( s ) do USBHM have to go ahead and paid for my insurance policy after I paid for it? c. Why the CONSENT ORDER MODIFYING AUTOMATIC STAY letter was sent after I purchased my homeowner insurance which would decreased my monthly payments as oppose to the payments remain unchanged. d. Lastly, I am enclosing a copy of the modified plan dated XX/XX/XXXX and that was originally signed on XX/XX/XXXX. ( See attachment # 9 ). | ||||||
| 01/25/2024 | Yes |
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Web | |
| XX/XX/2023 To CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), Re : Complaint against US Bank In the matter of : XXXX, which was later rebranded as XXXX, served as the main trading platform where fraudulent activities were primarily conducted. It was introduced to me by the scammer named " XXXX XXXX. '' Dear Sir/Madam, I am writing to urgently bring to your attention a distressing matter involving US Bank , my trusted financial institution. This bank inadvertently played a role in facilitating fraudulent transactions that were transferred towards XXXX XXXX, XXXX, and XXXX and directly received by the fraudulent trading platform known as " XXXX XXXX which was introduced by XXXX XXXX. OVERVIEW I have unfortunately fallen victim to a carefully orchestrated scam led by XXXX XXXX XXXX XXXX XXXX XXXX deceptively presented herself and employed illegal and manipulative tactics to engage in trading on the platform she introduced, called XXXX. This has resulted in a significant financial loss totaling {$140000.00}. XXXX XXXX XXXX XXXX portrayed themselves as someone who could assist me with my financial matters, offering efficient investment and trading services or advice. Sadly, they failed to fulfill their commitments, and I have not received any returns or services as initially expected.The money I entrusted to them remains unrecovered. Initially, XXXX XXXX assured me that I could generate profits and make easy withdrawals by following her instructions to trade my funds on the platform of XXXX, which has led to significant financial difficulties. It's evident that XXXX XXXX XXXX and the XXXX trading platform were deceptive, involved false representations, and clearly violated the law in terms of " Goods or Services Not Provided, Misrepresentation, and Merchandise Not as Described or Defective. '' After obtaining my funds, XXXX XXXX and XXXX vanished without any explanation or prior notice, rendering it impossible to establish contact with them or address the issue. Despite my persistent attempts to reach out to them and other relevant parties, my efforts have been in vain in seeking a resolution. Enclosed, you will find the relevant evidence highlighting the fraudulent nature of the situation. ADDRESSING CONCERNS REGARDING FRAUDULENT ACTIVITIES AT US BANK I am reaching out to discuss several critical issues related to fraudulent activities that have occurred within US Bank. 1. It is paramount that I underscore the US Banks role in these fraudulent transactions. They were responsible for initially executing and transferring these transactions to the fraudulent trading platform, thereby bearing accountability for the fraudulent conduct. The Consumer Financial Protection Bureau ( CFPB ) has explicitly conveyed that financial institutions like US Bank must account for the intricate and evolving nature of fraud, refraining from outright denials on the recovery of funds in such cases. 2. CFPB has reprimanded the practice of branding customers as " grossly negligent '' merely due to their unfortunate victimization by scams. The obligation lies with the financial institutions to develop their security protocols and software to ensure the safety of customers ' funds. Unfortunately, US Bank has not met this standard, rendering naive and inexperienced clients susceptible to such fraudulent schemes. 3. I am profoundly troubled and find it utterly unjustifiable that US Bank has chosen to shirk their responsibility by consistently ignoring my repeated attempts to address this fraudulent complaint. Despite the numerous letters and messages, I have sent to inform them of my concern, their actions demonstrate a lack of professionalism, a failure to uphold regulatory obligations, and a substandard approach to ensuring customer protection. This conduct starkly contradicts the core mission of financial institutions, which is to prioritize the well-being and security of their customers. 4. I am truly perplexed by the US Banks resistance to aiding me in recovering the funds that were unlawfully seized by XXXX XXXX XXXX XXXX When I authorized the payments, I was entirely unaware of the fraudulent nature of the involved entities ; it was only subsequently that I uncovered the truth. I implore the US Bank to assume full accountability for the situation and proactively take measures to retrieve my stolen funds. It is imperative to recognize that the scammers not only failed to provide any services but also deliberately misrepresented themselvesto ensnare me. DETAILED DESCRIPTION OF RECEIVED SERVICES Unbeknownst Funds Transfer : Funds were surreptitiously transferred without my knowledge by the fraudulent individual named XXXX XXXX XXXX along with her introduced platform XXXX. These scammers deceitfully presented themselves as trustworthy, offering trading opportunities and financial services. Under the guise of generating profits and extending financial aid, they enticed me and others. However, they consistently failed to fulfill any of their promises, with their true intent being the illicit extraction of money from unsuspecting victims. Fabricated Documentation : The fraudulent activities of XXXX XXXX and XXXX included the fabrication of documents that portrayed them as legitimate entities. These deceptive documents were strategically employed to establish false credibility, persuading me and other individuals to entrust our funds to them. XXXX XXXX and XXXX goal was to perpetrate financial fraud by deceiving people into trading. Inadequate Services Rendered : Despite depositing funds with the expectation of receiving the promised services and returns, the scammers vanished without a trace after obtaining my funds. This sudden demand left me in a state of shock and financial distress, as the funds entrusted to XXXX XXXX, XXXX, and their accomplices remained unrecovered. Deceptive Practices : I was lured into depositing funds under misleading pretenses, under the belief that XXXX XXXX and XXXX would generate substantial profits. Regrettably, their promises proved to be hollow falsehoods. Not only did the projected profits fail to materialize, but my funds were also misappropriated, and the reimbursement they had promised was never delivered. False Trading Claims and Manipulation : XXXX XXXX and XXXX manipulated and coerced me into depositing additional funds by peddling deceptive claims about doubling investments and ensuring immediate returns. Through the introduced platform, XXXX, they falsified information to create the illusion of genuine profits, persuading me to invest more. These additional funds served solely to benefit them, with no legitimate services being provided. In summary, the scammers, XXXX XXXX and XXXX, failed to deliver any of the promised services. Instead, their actions exacerbated my financial circumstances, leading to considerable losses and substantial harm to my overall financial stability. OUTLINING MY DESIRED RESOLUTION FROM US BANK With the assistance of the Consumer Financial Protection Bureau ( CFPB ), I humbly submit the following requests and expectations to US Bank regarding the fraudulent occurrence concerning the entities " XXXX XXXX XXXX XXXX XXXX' It's essential for me that US Bank acknowledges their role in facilitating these transactions and recognizes their share of responsibility in contributing to the subsequent fraudulent activities. I expect them to take full accountability for their part in this situation. I'd like the US Bank to commit to enhancing their safeguarding measures and actively taking steps to prevent similar incidents in the future. This should encompass a review and improvement of their due diligence processes and security protocols. Ultimately, my goal is to rebuild trust in US Banks services. I believe this can be achieved if they address the situation comprehensively, fully acknowledge their responsibilities, and take concrete steps to ensure the security of future transactions. Furthermore, I earnestly implore the Consumer Financial Protection Bureau ( CFPB ) to step in and collaborate with US Bank to fully grasp the seriousness of this situation. Ensuring the well-being and safeguarding the interests of US Bank clients must be the foremost priority. I kindly seek regular communication from the Consumer Financial Protection Bureau to stay informed about the ongoing progress in resolving this issue. This transparency holds significant value for me. With the hope of a swift response and a timely resolution, I extend my appreciation for your immediate attention and collaborative efforts in addressing this troubling matter. | ||||||
| 01/30/2021 | Yes |
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Web | Servicemember |
| I secured a VA loan in XXXX for my first house through US Bank and have paid all payments within the allotted time monthly. In XX/XX/XXXX, I made my payment normally using the website that I have used several times in the past without problems. The payment was accepted and I received the familiar confirmation screen but did not write the number down. I also work two full time jobs so I'm unsure of the day that I logged in to make the payment, I just log in and pay my bills when they're due like most people do. My house payment is due on the 1st of each month but US Bank later contacted me on XX/XX/XXXX, and reported that they had never received the XXXX payment. I was confused why as I clearly had made it but offered to make the payment again on the phone to ensure the account was current. The representative refused to take payment on the phone and stated there was a fee. I asked her to wait on the line while I confirmed the payment through the website but she refused. I made the payment on the website on XX/XX/XXXX immediately after the worker ended the call. I later learned that US Bank had already negatively filed with the credit reporting agencies for a late mortgage payment prior to the call. Over the past 3 months, I have contacted customer service XXXX XXXX, spending over 23 hours of talk time on the phone with entry level, supervisors, and managers and no one is able to help and not one employee states they have the ability to change this once it's submitted to credit agencies. Several representatives asked for my email confirmation but I told them I've never received one of those over the life of the loan. I later learned on XX/XX/XXXX, this was because it was disabled on my account. A manager was able to fix this and I now receive payment confirmations monthly. US Bank has this call recorded. On that same day, I also requested an investigation into the website activity in an attempt to prove that I made the payment. I later received correspondence from US Bank dated XX/XX/XXXX, that stated they conducted an investigation and found that my payment was late. Nowhere on the correspondence did it state that they investigated the website activity, the original purpose of the investigation request. I contacted the company several more times requesting follow-up and all employees stated there was nothing that could be done. When I spoke with the collections department manager, she falsely documented on my account that I was purposely calling to " waste their time. '' I just want my account corrected. The company maintains that they attempted to contact me through several phone calls, text messages, email, and two written statements sent to my address telling me about the missing payment. Out of all of these methods of communication, I only received one letter from US Bank dated XX/XX/XXXX, a mere two days before the end of the month when the payment would be considered late. This obviously did not allow time to receive the notice and due to the current problems with USPS, I did not receive that letter until XXXX. I have never received phone calls or email. The company continues to report that they have records that show they attempted contact me when they did not. I was finally forwarded to the advocacy department, whom I was told would reach out to me to advocate on my behalf. On XX/XX/XXXX, I received a call from a representative of the advocacy department who was calling to inform me of their findings and decision. At no point had I been contacted by the advocacy department prior to this. When I explained the situation, she seemed confused and asked if I would like a " thorough investigation. '' I said yes, unaware that there was any other type of investigation. I was told this would take around 10 days. She further stated that she would talk to her supervisor and " gave me her word '' to call me back the following day. I never received any further calls. I later received a letter from US Bank dated XX/XX/XXXX, the same day as my conversation with the advocacy representative that took place at XXXX. This letter outlines the results of the " thorough investigation '' which was conducted and documented within the remaining 30 minutes of the worker 's shift that same evening. This letter outlined the dates of the attempted phone calls and letters and included the email address that US Bank contacted. US Bank continued to state that their investigation found no errors on their part and late payment would stand due to the number of methods they had documented reaching out to me. Even more interesting, in a later letter from US Bank dated XX/XX/XXXX, they state that their records never show a call taking place on XX/XX/XXXX. If that call never happened, then advocacy never actually reached out to me at all then. I have a XXXX XXXX in XXXX XXXX and feel well versed in the field of advocacy and I still remain confused on how you advocate for a client without ever speaking to them. I called back again after looking at the dates and was told to email a second dispute. This time I emailed advocacy on XX/XX/XXXX, and detailed a complete breakdown of my issues. I included phone call logs from XXXX XXXX XXXX proving that US Bank 's automated phone system never called or left the documented voice mails. I further disputed the email correspondence because they sent the email to a XXXX address when my address on record is through XXXX. Even my current US Bank online account has no record of messages or letter/Correspondence listed. I requested electronic and written confirmation of their receiving the second dispute given that it was an email and the company does not appear to have a formal dispute service. I never received electronic confirmation. I did later receive a written correspondence dated XX/XX/XXXX sent to my home stating they would contact me within 10 to 15 business days with the results of their findings. I never received any further follow-up. I contacted US Bank again on XX/XX/XXXX, to follow up on the investigation. The customer service agent was able to send me an electronic version of the report but I still never received a physical one or any word of the findings from advocacy. They again denied the request stating that despite me referencing recorded conversations with customer service and providing proof that US Bank had not left voicemails, called, and had emailed the wrong address that was not on file ; their findings of the investigation would stand as I have " provided no new information. '' They did not respond to my statement about emailing the wrong email address in this investigation findings. At this time, the company has damaged my credit rating to the point that I am unable to secure a loan to fix plumbing in my home. My credit is also damaged to the point that I am unable to refinance through another company out of fear they will continue to mismanage my account. I have taken vacation from work to contact customer service due to their hours. I have talked with customer service for over 23 hours of recording phone calls and they remain unwilling to admit that something happened with the website payment and there are errors in the automated phone call system that did not complete calls or leave voicemail. Had I received calls or correspondence, like I did on XX/XX/XXXX, I would have promptly rectified the situation as I clearly did. Instead, US Bank has, in recorded messages, told me that I should " not worry about it, it will only be on my credit report for 7 years, '' they have encouraged me to call my bank every month and ensure the payment comes out in addition to calling their system after every payment to ensure the payment is received. They have also encouraged me to contact them every month and request additional statements that show proof of payment. This seems like an insane amount of work for me to do every month that I make a mortgage payment for the next 26 years -- especially if their records are so accurate. I worked extremely hard to get a credit score upwards of 800 only to have this company completely wreck my score when I made my mortgage payment and continue to make my mortgage payment. I have shown them proof that their automated system is not correct and I did not receive correspondence to notify me that the payment was not received correctly until after it was too late and now I'm stuck for the next 7 years paying a company and allowing a company to profit from me, that clearly has no interest in working with me. My interactions with US Bank since XX/XX/XXXX has been disgraceful and I'm embarrassed to be associated with them. | ||||||
| 09/11/2018 | Yes |
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Web | |
| I had been a loyal US Bank customer for approximately 11 years, when I entered the bank one day in early XXXX of XXXX ; I believe it was either XX/XX/XXXX or XXXX, and I was probably there to make a deposit, but I don't remember for sure. XXXX XXXX casually mentioned that they had a great rate on loans right now if I was interested, and because I had just come back from a three week vacation where I had run up some credit card debit I thought this might be a good way to save some money by using a low interest loan to pay off a higher-rated credit card. On XX/XX/XXXX I received an email from XXXX stating that my paperwork was ready to be signed. I believe it was the morning of XX/XX/XXXX that I actually stopped in to sign the paperwork, but it may have XX/XX/XXXX ( according to the email I am attaching, I had stated that I would be in on Thursday ). It wasn't until I was in the office reviewing the paperwork that I realized this wasn't a loan kind of transaction- where I could pay it off early and be done with it- but that it was a line of credit that I would be locked into for a minimum of three years or I would have to pay a {$500.00} fee. But XXXX and the loan application both stated that I had three business days to change my mind, so rather than make a rash decision, I decided to review the paperwork over the weekend before making a final decision. After reviewing the paperwork over the weekend, I came to the realization that I definitely did not want to go through with the home equity line of credit. Because I had to work dayshift for the next few days and knew I would not be able to get to the bank, I emailed XXXX the evening of Sunday, XX/XX/XXXX to advise her that I had changed my mind about the HELOC and didn't want to go through with it after all. On Monday, XX/XX/XXXX, I received a reply back from XXXX stating that she would check into a few things and get back to me. On Thursday, XX/XX/XXXX I received an email from XXXX asking me to confirm that I did not want to go through with the HELOC, and I confirmed that I wanted to cancel my application and not go through with the loan. Shortly thereafter, I began receiving frantic emails and phone messages asking me to contact her at the bank right away. After receiving the messages and calling her back, I was informed that it was too late to cancel the HELOC as the application had already gone through, and the only way to cancel it was to pay the {$500.00} cancellation fee. I believe it was either XX/XX/XXXX or XX/XX/XXXX I called the bank to talk to XXXX, who was president at the time. ( I can't recall his name right now, and he is no longer there. ) I was informed that he was in the XXXX, Mt office so I contacted him there. He advised me that the loan couldn't be cancelled without paying the {$500.00} fee because that was how much the title company charged the bank. He further advised me that the only way I could have cancelled the application was to go to the bank in person and put it in writing within the three business days. I explained that nothing in my HELOC application did it state that my three day window to cancel required my physically being present in the bank, only that it had to be in writing, and that my email was a form of written communication that his staff was well aware belonged to me. Furthermore, I explained that his staff knows that I work out of town and that I am unable to just stop into a branch office unless I am on my days off. I also stated that when XXXX received my initial e-mailed request to cancel the HELOC application, she never gave any indication that my emailed notification was insufficient. He stated that he would look into the matter and get back to me, but I never heard from him again. All of this had me very upset and it was several months before I could even discuss the matter with anyone. Every time I would start to calm down about it, I would get another piece of mail or email requesting proof the property was insurance or " convenience checks '' or a statement. Although I wanted to go to the bank to discuss it, I knew there was no way I could do so without totally losing my temper. While I happened to be in a neighboring town, I went into their branch of the US Bank and I cancelled all of my accounts except my REI credit card and the checking account that I am required to keep open as per the terms of the HELOC- and I keep a minimal amount of money there. I believe it was some time in either the summer or fall that I heard that the bank president was gone. No fanfare or retirement party, just an announcement that he was no longer the president of the XXXX Branch of US Bank and no longer in their office. After about a year I had finally calmed down and I decided to just let it go since I had no plans to ever use the money anyway. Then, at the end of XXXX, I logged into my US Bank account to check the balance on my REI card ( I rarely use it and pay the balance in full when I do so that US Bank isn't getting any extra money out of me ) and discovered my checking account was overdrawn due to an annual fee from the HELOC and several overdraft fees. This got me mad all over again. But this time I contacted XXXX XXXX, a fellow board-member of the local XXXX XXXX XXXX, and XXXX 's replacement after his departure. I was still furious enough that I couldn't go into the bank branch to discuss this matter face-to-face ( although I have been in the bank a couple of times in recent months to discuss XXXX matters ), so I emailed her with a brief explanation of what had happened. Her response made it clear that she was aware and still recalled what had happened with my HELOC application more than a year before- this was not something I had ever discussed with her, and I had only confided in two friends, neither of whom was likely to have mentioned it to her. The fact that she knew about what had happened indicates to me that the whole incident was discussed among the bank staff, and I can see several reasons why there would have been discussion about it- including a compulsion to defend themselves because they knew they screwed up, but also a discussion in the hopes that someone would be able to find a way to fix it. XXXX sent me an email on XX/XX/XXXX that she was able to refund me my overdraft fees, but stated that she didn't have the authority to refund me the {$90.00} annual fee for the HELOC. She did tell me that she would refer the matter higher up the chain and asked if anything else could be done to resolve this matter to my satisfaction. I told her that I would like to be refunded my {$90.00} and have the HELOC closes at no cost to me, since it never should have happened to begin with. Then, in XXXX and XXXX, I started receiving snail mail from some division of US Bank advising me that I needed to provide ( again ) proof of insurance. Every piece of mail I get about this HELOC is just an angry reminder of how the bank with whom I was a loyal customer for 11 years just screwed me over with their incompetence. I went online in early XXXX and submitted a copy of the proof of insurance, but I continued to receive these letters into the first few days of XXXX threatening to get me very expensive coverage at my expense if I don't show them proof my house insured. When I called them the first week of XXXX to ask whether they didn't get my proof of insurance or if I had uploaded the wrong document, I was told that they had gotten it after all, but letters were sent out to anyone that hadn't gotten their proof of insurance in by XX/XX/XXXX. When I feel like I am a valued customer, I can be loyal to a fault. I get that I let this go for too long- but I was so very angry about the whole thing for so long that I knew I couldn't discuss it without losing my temper. If I hadn't been a happy, long-term customer it wouldn't have upset me near as much as it did. But I am very proud of the fact that I own my house outright- or did until this HELOC came along. I am a XXXX year old single ( never married ) woman with a good job and excellent credit. However, it took me a long time to get here- I've always had good credit, but I used to have a lot of debt. US Bank helped me get where I am today by approving various loan applications over the years to help me get out of debt. But I feel like they took advantage of the fact that I have been a loyal customer when they didn't cancel my loan application at the time I requested it, in the hopes that I would change my mind. And every email or piece of mail I get about this HELOC is just a reminder of this whole incident. | ||||||
| 12/29/2023 | Yes |
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Web | Servicemember |
| ON XXXX XXXX I SIGNED OFF ON NOTICE OF ASSIGNMENT, SALE OR TRANSFER OF SERVICING RIGHTS WITH XXXX XXXX XXXXXXXX AND XXXXXXXX XXXX XXXX XXXX THEY HAVE MULTIPLE NAMES. U.S. BANK WRONGFULLY FORECLOSED ON THIS PROPERTY FRAUDULENTLY AND FORGED DOCUMENTS WITH MY SIGNATURE DATE OF THE DOCUMENTS SHOW XX/XX/XXXX. I HAVE THE ORIGINAL DOCUMENTS AS WELL. MY SIGNATURE WAS TAKEN THROUGH AN ANALYSIS AND IT SHOW U.S. BANK CREATED A PDF SIGNATURE TO PLACE ON MORTGAGE DOCUMENTS. I HAVE NEVER AS LONG AS I HAVE BEEN SIGNING DOCUMENTS INCLUDE MY MIDDLE INITIAL. ON THE ORIGINAL DOCUMENTS MY MIDDLE INITIAL IS NOT PRESENT. ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX AND LXXXX LISTED THIS HOME AS A LOST MORTGAGE. THEREFORE U.S. BANK HAS NEVER HAD THE DOCUMENTS I HAVE IN POSSESSION BECAUSE THIS LOAN WAS PART OF THE {$200.00} XXXX DOLLAR LAW SUIT U.S. BANK WAS MADE TO PAY CONSUMERS FOR FRAUDING FHA/HUD. MY LOAN WAS DEFINITELY PART OF THIS SCHEMEXXXX I HAVE GIVEN AMPLE AMOUNT CHANCES TO U.S BANK TO MAKE THIS RIGHT AT THIS POINT AND THIS WILL BE THE LAST AND FINAL TIME. U. XXXX BANK HAS RESPONDED WITH THE SAME INFORMATION STATING THEY HAVE NEVER RECEIVED A PAYMENT FROM BANKRUPTCY. THROUGH MY XXXX XXXX. U.S. BANK STATES XXXX THEY HAVE NEVER RECEIVED A PAYMENT AND APPLIED ALL FUNDS FROM THE SAVE THE DREAM PROGRAM TO THOSE STATED YEARS. U.S. BANKS BANKRUPTCY DEPARTMENT ACKNOWLEDGED THE BANKRUPTCY AND SENT A LETTER STATING SUCH THIS LETTER IS ALSO IN MY POSSESSION.WHEN SAVE THE DREAM REACH OUT TO U.S BANK WHICH EVER ENTITY THESE DOCUMENTS WENT TO THEY ADVISED THE PROGRAM OF A FALSIFIED DELIQUENT AMOUNT AND AN UNPAID PRINCIPAL OF {$80000.00}. U. S. BANK THEN WAITED 8 MONTHS TO COMPLETE THE MODIFICATION AFTER RECEIVING THE FUNDS XX/XX/XXXXXXXX REASON BEING THEY DID NOT HAVE THE ORIGINAL LOAN DOCUMENTS FROM XXXX XXXX XXXX AND XXXX SIGNED BY MYSELF XX/XX/XXXX. XXXX XXXX XXXX AND XXXX AND U. S. BANK WAS COMMITTING FRAUD AND PUTTING CONSUMERS IN UPSIDE DOWN LOANS. ON MY ORIGINAL DOCUEMENTATION IT STATES FINANCE AMOUNT OF XXXX AND I WOULD HAVE PAID A TOTAL OF XXXX SHOWING FINANCE CHARGE OF {$92000.00}. BOTH XXXX XXXX XXXX AND U.S. BANK NEW I WOULD HAVE NEVER GONE FOR THIS. XXXX XXXX XXXXXXXX AND XXXX WAS ALREADY IN TROUBLE AND BARRED FROM ALL GOVERNMENT ENTITIES AND STILL IS BARRED AND NO LONGER IN EXISTENCE. XXXX XXXX XXXXXXXX AND XXXX IS NOT A SUBSIDIARY OF U. S. BANK THEREFORE A PROMISSORY NOTE WAS NEVER SIGNED BY MYSELF WITH U.S. BANK SO THEY FALSIFIED DOCUMENTS TO HURRY UP AND TAKE OUR HOME AND LEAVE US HOMELESS WITH THE LOAN MODIFICATION THAT I WAS FORCED TO SIGN IN XXXX THEN. U.S BANK NEVER FILED FORECLOSUE ON ORIGINAL LOAN DOCUMENTS BECAUSE I WILL REITERATE IT IS LISTED WITH THE COURTS AS A LOST MORTGAGE, I HAVE EVERY DOCUMENT FROM XXXX FOR THIS HOME WITH MY ORIGINAL SIGNATURE ON THEM. GOING BACK TO THE SAVE THE DREAM PROGRAM. IF YOU STATED UNPAID PRINCIPAL WAS {$80000.00} HOW IS IT REMOTELY POSSIBLE FOR A MODIFICATION TO BE DONE AND IT SHOW THAT UNPAID PRINCIPAL IS NOW {$84000.00}. WHATS MORE MY ORIGINAL AMOUNT OF INTEREST ON THE ORIGINAL LOAN SHOW 6.157 % THEN IT SHOW 5.5 % NOW IT SHOW 3.62 %. CONTACTED FHA AND THEY ADVISED ME TO PULL FOIA AND NO DOCUMENTS ARE FOUND FOR THIS SUPPOSE TO BE FHA/HUD HOME.THE FHA XXXXOCUMENTS THAT HAS BEEN SENT TO MY EMAIL ARE FALSIFIED THROUGH U.S. BANK FROM A REPRESENTATIVE AT U. S. BANK SENT THE DOCUMENTS TO ME. THE DOCUMENT DID NOT COME FROM FHA. I HAVE NOW INVOLVED THE FDIC, OCC, AND ARE NOW IN CONTACT WITH THE ATTORNEY 'S THAT HANDLED THE {$2.00} XXXX LAWSUIT. U.S. BANK REFUSE TO MAKE THIS RIGHT I HAVE UPLOADED DOCUMENTS THAT PROVE THEY HAVE WRONGED ME BUT THEY REFUSE TO REVIEW THESE DOCUMENTS AND INSIST THAT I KEEP SENDING THE SAME INFORMATION THAT HAS BEEN SENT TO THEM OVER AND OVER AGAIN. I HAVE SENT PROOF OF PAYMENT THROUGH BANKRUPTCY AND THEY REFUSE TO RECOGNIZE THE PAYMENTS TO STEAL A HOME THAT NEVER BELONGED TO THEM. I SHOULD NOT HAVE NOT PAID THIS BANK NOTHING NOR WENT THROUGH THE BANKRUPTCY TO SAVE THE HOME BECAUSE THEY NEVER HAD RIGHTS TO THIS HOME AT ALL THAT'S WHY THEY FILED FORECLOSURE WITH MODIFICATION DOCUMENTS QUICKLY BECAUSE THE JUDGE HAS ALLOWED U.S BANK TO SCAM AND TAKE THE HOME WITH LAWYERS THAT RESIDE IN FLORIDA. THE XXXX XXXX IS IN THE PROCESS OF RECEIVING COMPLAINTS ON ALL ATTORNEYS THAT WAS PART OF THIS DISCRIMINATIVE/WRONGFUL FORECLOSURE INCLUDING MY ATTORNEY. U.S. BANK STATED I OWED OVER {$130000.00} ON THIS HOME PER THE SHERIFF 'S DEPARTMENT AND THEY BOUGHT THE HOME FOR {$100.00} YOU HAVE TO HAVE A HORRIBLE SOUL TO TAKE A SINGLE XXXX MOTHER THROUGH THIS TYPE OF TRIUMPH. I WILL NOT STOP. IVE SENT THIS STORY TO THE NEWS AS WELL. I HAVE GONE BACK ON THE AMOUNT OF MONEY I HAVE SPENT ON ATTORNEYS AND PAYING A BANK THAT NEVER HAD RIGHTS TO A HOME THAT THE COURTS ALLOWED THEM TO SCAM AND TAKE XXXX XXXX XXXX WILL HAVE A COMPLAINT AS WELL WITH THE SUPREME COURT. NO ATTORNEY 'S OR COURTS SHOULD HAVE BEEN PART OF THIS. THIS BANK HAS COMMITTED FRAUD BEYOND THE POINT OF NO RETURN HOWEVER WEHAVE 6 WAYS TO SUNDAY AS XXXX XXXX SAY. I'M ONE THAT KEEP TAXES BACK TO XXXX. AND HAVE PROOF OF THE FORGERY PROOF OF THE UPSIDE DOWN MORTGAGE AND WHEN PRESIDENT OBAMA PUT THIS PLACE IT WAS SET IN STONE AND NOT TO BE IGNORED, I WAS ONE THAT WAS NAIVE AND WANTED SAVE MY HOME.THE BEST PART OF THIS ENTIRE ORDEAL WAS U. S BANKS ATTORNEY STATED IN THE BANKRUPTCY DOCUMENTS WHICH WE HAVE THAT I WAS 13 PAYMENTS BEHIND ON THE MORTGAGE FROM XXXXXXXX MY FIRST PAYMENT WAS DUE XX/XX/XXXXXXXX HOW IS THAT EVER POSSIBLE U.S BANK HAS PROVED INCOMPETENCE IN MANY AREAS AND UNFORTUNATELY, I WILL NOT STOP. SHERIFFS STATES EVICITON STARTS ON OR AFTER XX/XX/XXXXXXXX THAT IS FINE BUT THIS WILL NOT GO AWAY UNTIL THIS BANK ADMITS TO WRONGFULLNESS ON A LAW-ABIDING CITIZEN. U. S. BANK NEED TO PRODUCE THE ORIGNAL LOAN I SIGNED DATED XX/XX/XXXXXXXX NOTHING WAS EVER SIGNED BY ME ON XX/XX/XXXX. THAT BEING SAID THE 3 BOXES OF DOCUMENTS IN MY POSSESSION DOESN'T LIE AND THIS BANK HAS NO RIGHT TO EVER SAY THEY NEVER RECEIVED PAYMENT FROM BANKRUPTCY THESE ARE GOVERNMENT FILES WHICH I AM ALSO XXXX XXXX XXXX XXXX, AND THEY SPEAK VOLUME. U.S. BANK FILED A FORECLOSURE ON THIS PROPERTY AND STATED THEY HAVE NEVER RECEIVED A PAYMENT BUT FROM THE XXXX THE DREAM PROGRAM. MY RECEIPTS DON'T LIE. THIS BANK IS PREDJUDICE TOWARDS XXXX AND THEY HAVE PROVED THAT WITH WHAT THEY HAVE DONE. NOT TO MENTION THIS SAME HOME WERE IN WAS BOUGHT OUT OF FORECLOSURE FOR {$22000.00} SOMETHING IS WRONG AND THAT CONSUMER WAS UNDER U.S. BANK AS WELL AND HAS A LOT TO DEVULDGE. I ADVISE U. S BANK PAY ATTENTION TO THIS COMPLAINT AND NOT SEND THE SAME DOCUMENTS THEY SENT FROM THE FIRST COMPLAINT BECAUSE THAT IS DECEITFUL AND A VIOLATION OF MY FIFTH AMENDMENT RIGHT. I MUST ADD I AS WELL AM RECEIVING A STATING EVERY MONTH AND THE MATH IS NOT MATHING. SOMEONE FROM THIS BANK SENT ME A DOCUMENT THAT MULTIPLE ERRORS WERE MADE ON MY ACCOUNT AND THEY WERE IN THE PROCESS OF CORRECTING THEM AS WELL. BACK ON A STATEMENT I RECEIVED XX/XX/XXXXXXXX IT SHOW UNPAID AMOUNT {$25000.00} CONTRACTUAL AMOUNT SHOW {$25000.00} BUT NOT ONE OF THESE STATEMENTS SHOW THE MODIFICATION EVERY LAST STATEMENT SHOW OUTSTANDING PRINCIPAL XXXX THE AMOUNT U.S. BANK CLAIM I FINANCED THE HOME FOR. WHAT'S MORE I NO WITHOUT A DOUBT U.S. BANK NEVER OWNED THIS LOAN BECAUSE IT DOES NOT APPEAR ON MY CREDIT REPORT AND THE FORECLOSURE BETTER NOT EVER SHOW UP OR ANOTHER LAWSUIT WILL BE FILED AND EVERYONE, I'M WORKING WITH WILL SEE TO IT. THIS IS MY LIFE THAT THIS BANK IS MESSING WITH AND XXXX XXXX AND BEEN IN AND OUT THE HOSPITAL BECAUSE OF THIS BANK FOR THE FOULNESS THEY HAVE COMMITTED I NOW HAVE TO HAVE XXXX IN XXXX BECAUSE OF THE STRESS THAT THIS BANK HAS TAKEN MY FAMILY THROUGH PAIN AND SUFFERING IS AT THE POINT OF NO RETURN THE NOTICES PUT ON MY DOOR HAS CAUSED MANY AILMENTS I'VE NEVER HAD IN MY LIFE.LACK OF SLEEP SITTING UP WORRIED ABOUT MY GIRLS I RAISED ON MY ON SINGLE PARENT THAT IS XXXX SINGLE AND XXXX TAKING FROM SOMEONE THAT HAS NOTHING GOING TO PANTRIES TO FEED MY FAMILY BECAUSE OF THE MONEY I'VE HAD TO PAY TO KEEP A ROOF OVER OUR HEAD HOLES IN MY SHOES BECAUSE MY GIRLS COME FIRST A XXXX TREE WITHOUT GIFTS HOPING WE HAVE A ROOF BECAUSE ATTORNEYS COST WHOLE PAY CHECK GOING TO BANKRUPTCY AND THIS BANK HAS THE NERVE TO SAY THEY NEVER RECEIVED NOT ONE PAYMENT. SENDING THIS COMPLAINT TO THE NEWS AS WELL. CPFB YOUR NEEDED FOR THIS COMPLAINT AND NOT TO JUST SEND TO THIS CROOKED BANK. WHEN THEY WERE FRAUDING FROM XXXXXXXX OR MOR AND THIS LOAN IN DEFINITELY PART OF THE {$200.00} XXXX CASE OFFICE OF PUBLIC AFFAIRS DOESN'T LIE. | ||||||
| 04/20/2018 | Yes |
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Web | Servicemember |
| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Fraud Claim # XXXX XXXX, I appreciate your timely response. This has been an absolute nightmare and inconvenience for my entire family. We are victims of check fraud and theft. Under penalty of perjury, I whole heartedly believe the information you have stated in your reply is inaccurate and the decision is incorrect. I kindly request this claim re-opened immediately. There are a number of incorrect statements in your reply I would like to address. Including ; the number of checks forged, the time frame the checks were lost, the police report, the information regarding the secondary investigation, and most importantly, the details of informing US Bank of my missing checks to begin with. I would like to start off by sharing that I recently, just this past month of XX/XX/XXXX, received a letter in the mail from US Bank notifying me of an overdrawn checking account. I was able to confirm US Bank charged me funds for a monthly checking account maintenance fee and accrued fines for not paying this monthly fee. I had closed my account after all this fraudulent activity and the poor customer service I received. So, why do I owe US Bank money now? Because someone at the branch made a mistake and did not close my account properly. I called the customer service line. The attendant was able to recognize the error and voided the funds I supposedly owed US Bank. This is another example of the many mistakes on the US Bank side regarding the care of my familys finical security. The mistakes of US Bank have cost me and my family time, money, stress and finical hardship. I would like you to take this opportunity to spend more time to evaluate this fraud claim, recognize the errors on US Banks part, take responsibility, ( maybe more training is required? ), and refund my familys losses. Regarding the details of informing US Bank of my missing checks - This is a significant point. I did in fact inform the bank of my missing checks. I did so immediately. If proper steps were taken at that time by the administrators at US Bank, none of this check fraud and theft would have happened at all. My actions in immediately notifying US Bank of lost checks is not the definition of Customer Negligence. Per the Uniform Commercial Code 3-406 I DID NOT fail to exercise ordinary care that contributed the altercation of the checks. I DID take responsibility to protect my account information. A check book went missing and I immediately informed my bank. At no time have I ever discussed or shared information about my account with anyone else. In XX/XX/XXXX, I had walked into a branch inside of a XXXX XXXX in XXXX near my work. I let the teller know of a lost check book. I wanted to make sure I wouldnt be confused in the future and potentially use checks that were ( or should have been - in this case ) cancelled. So, I ensured to request the new checks to be completely different. I specifically requested a new number series on the checks as well as a completely different style. The lost checks were pink and had a flower motif. My new checks are standard and blue. I wanted nothing to do with the lost checks and I made that very clear with the teller at that time. In the XXXX XXXX XXXX Report of Alleged Fraudulent Customer Statement I state : That I had asked US Bank to cancel the flower check book when I ordered the new checks in a new number series of 700. That would have been in XX/XX/XXXX. I confirmed that my check stock is normally stored in a specific locked drawer with other personal paperwork. No one else had access to the area. No one else had my user ID or password. I stated I had recently moved. I moved in XX/XX/XXXX. In an additional follow up faxed letter to the XXXX XXXX XXXX during this investigation - I state : that I had told the bank of the lost checks and was surprised this situation is even happening. Regarding the police report ; In XX/XX/XXXX I had to take time to travel to the Sherriff Station to have this report taken. I had to wait weeks for it to be prepared. Then, I had to pay a {$25.00} fee to receive a copy and include it with the XXXX XXXX XXXX Report of Alleged Fraudulent Customer Statement. These are not the actions of a negligent person. These are the actions of a responsible party having due diligence. The Sheriff Report states :. the victim did not give anybody permission to sign her name or withdraw money from my account. The victim does not recall when she lost the checks deposited checks, money from her account, she believes when she moved in XXXX she may have accidentally thrown the checks in the garbage. The name XXXX XXXX is printed on all three checks as the payee and it appears his name was used to endorse of all three checks. All three checks are completed using different writing style and signatures. When compared to the signature on the victims DL, all three checks appear to be signed by a different person. The victim has never know this XXXX XXXX Per Your response letter to me dated XX/XX/XXXX you state : during the investigation, and after reading the police report, it was determined that your checks were unsecured after they went missing at an unknown time, but you did indicate they may have gone missing around XX/XX/XXXX. We have included a copy of this report for your reference Thank you for the copy of the report I originally provided US Bank. Lets back track here and review your statement and take a better look at the material noted. My checks were reported missing to US Bank in XX/XX/XXXX. In the sheriff report I say I dont recall when they were lost. I dont. Thats what lost means. But, upon recognition I couldnt find them, I reported them as lost to US Bank immediately in XX/XX/XXXX. I moved in XX/XX/XXXX. In moving home locations and going through all of my personal belongings, I do not recall seeing the reported as lost pink flower check book. Although, if there was any time that this material could have gotten into the position of XXXX XXXX, I was guessing maybe during the move. But thankfully, like a responsible adult, I had already told US Bank months prior that those flower checks were lost. Stating to a Sherriff Deputy during a check fraud and forgery victim report that previously reported as lost checks may have found their way to the trash during a residential move months after the fact they had been reported as such does not constitute Customer Negligence and Customer Liability under the security section of the XXXX. My entire point is that I did in fact upon discovering that my checks were missing reported the loss to the bank immediately and would have prevented any fraudulent transactions from occurring. In your reply letter to me, you state there was a secondary investigation. When was there a secondary investigation of this case? I am not aware nor included in it. What date was that preformed? Is there an additional XXXX XXXX XXXX Report of Alleged Fraudulent Customer Statement made? I did not received a reply letter from the XXXX XXXX XXXX as I had with the first investigation that I was aware of. I requested a secondary investigation and was very rudely declined by XXXX XXXX. In my letter to the CFPB I state I did have back up and supporting documents with me at the time. I did. XXXX XXXX wanted nothing to do with me or the case. It is a shame you would ask me to provide even more additional information knowing that we are all aware the Banks accounting system shows every single time my bank account is accessed. It records dates, times, locations, the name of the bank associate that handled the transaction at the time, as well as notes they add. It is all in the system. Everything I have stated can be validated if someone was to take the time to do so. I implore you to please review my account. This decision to decline the forgery and check fraud and theft of my account was discretional. This was made by someone in the liaison center that misread the sheriff report and assumed I lost my checks when I moved in XXXX and did not validate anything else. You did the same thing in your reply letter. Someone made a poor decision. I would greatly appreciate if you would please review this case with more attention. Thank you for your time and assistance in this matter. I look forward to hearing from you. XXXX XXXX XXXX : I just called the US Bank XXXX to send this reply back to them - XXXX XXXX is not a listed person in their directory. | ||||||
| 07/25/2023 | Yes |
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Web | Older American |
| In XX/XX/2023 we were contacted by NBT that a number ofCharges at stores and restaurants and we did make. XXXX, the contact person stated that for them through the charges by opening up the case I would have to provide a police report within a week. I agreed to doing such. I had called the police department regarding the identity theft/fraud and they gave me the department that works on identity theft and fraud. I left a lengthy message regarding the necessity to have help with removing the charges. Almost 2 weeks went by when I called them and they were not able to answer but the police department stated that it was one or two individuals that were handling all identity theft and fraud charges but because are so many and may be a long time before they contact me. I informed them of the situation. They stated the case was already closed because I can provide them the police report the first week that it happened. So we then went on vacation to XXXX XXXX in California still trying to work with NBT because it was not our fault that the police department was never going to get to us for a long time. XXXX, contact person would not call us back. Sometimes I called three or four times a week to get no response. On her way coming back from XXXX XXXX were visiting our granddaughter and widow of my brother who passed away a couple years ago the XXXX XXXX sent the text that some was breaking into my house. Because I was on the plane is not able to see what was but just before I took off on the plane I called the person who had keys to continue to feed the turtle and water the plants. He's the only person they had the alarm fob. He stated that he had not been there but had planned to go there now that there was concerned so many broken. I was able to give a quick text to XXXX XXXX that it made a been a fluke because nobody had keys except my friend who had watched the house numerous times before. We got in real late that night but I did take it opportunity to take a look at the XXXX XXXX video of the female coming and going from the house without our permission. Early next day I called the police department in regards to the video and the theft that was reported today before by XXXX XXXX. As it was anybody within XXXX feet of the doorway will start another video. When the police officers were at the house I want to show him the video but because they kept on coming back and forth setting off more videos every time I tried another video would show up making it hardTo show them the video of the person entering the house without permission. I got angry and frustrated because he would not let me show them the video. XXXXne officer kept on stating that I had given multiple keys to multiple people and that's why people broke into the house. I explained to him another two officers that only one person at a fob because he was only persons becoming that house and the way I have lost the keys before has been mechanic making copies of the keys. I explained officers that in XXXX we had given them the keys but within the XXXX. We really get our house keys back not knowing that they had made copies of those keys. Anyways so the police report was made with faulty information based on the police not even considering theft or identity theft as a problem and stating that I was angry and unable to show them the video. The next day I tried calling their superior but he was on vacation for about a week. The soon as I was able to speak to him he stated that officers should've done better for that because it was burglary, unlawful entry and identity theft/fraud. The XXXX. sent that officer that very afternoon to see the video and arrest the female in the video. I was at work because the officer was unannounced so I was not able to bring him the video as I work as a since abuse counselor and I was just about to walk into a class to teach. He stated he would be willing to arrest the girl without even seeing the video. I stated the arrest would have to happen after we confronted the couple and see if there was any way they could take care of the money that was taken. By the way were talking about {$6000.00} on the NBT card, not to mention another {$12000.00} between XXXX, XXXX and XXXX 's cards. When confronted the couple say they were wrong and the wanted to be our friends but because of the financial situation was so bad they found a way to help them through this rough time. The mechanic who had the keys stated that he will do all he can to get the money back for the {$6000.00} not to mention {$600.00} that my wife had in her bedroom as she is using the smaller living room downstairs as her bedroom recovering from ankle XXXX and XXXX. Anyway I contacted NBT regarding police report. I explained to them that the plea support is still pending gathering more information but the information that they had prior to the pending was based on their own perception of the situation. While it was incorrect the XXXX over them saw that their perception was also incorrect. Calling a lawyer and the district attorney they saw that it was incorrect as well. XXXX at NBT stated she did not get a plea support. She stated that they were not opening the case because of the plea support and since I had called and talked to multiple bank individuals about the fraud. I explained to her that her bank called me one a payment for the month was passed and when they discovered that part of it was because of the fraud they proceeded to send information to fraud department. XXXX, did not check on that and did not identify getting the plea support again. Again I called XXXX a number of times during the week and every time I called she stated that there was no police report denying that even one of bank staff that called me stated there was a Police report their already from me. So when I called again after sending the police report for the third time she stated there was a police report only after a few minutes stating there wasn't a police report. She stated she will review the police report and then open the case accordingly. She stated she would call me back in a couple days.She didn't call me back. I call her back and she stayed the same thing that she would find the police report and then open the case probably. She not call me back so I called again leaving a message and then her supervisor called me. Her name is XXXX. She stated that there was no police report and that I had changed the story numerous times. I stated that I had been consistent with information that I had only adding more information when it was obvious this information was found. She then stated that she found a police report and treated me so terribly like I was lying or I was the one spending all the money and not once ever stating I'm sorry that you were going to this hard time. She stated they would be reviewing the police report again and by Monday she would let me know what was going on which we probably open the case. She did call again. Since then I called at least two more times to her with no response. My XXXX XXXX is going up, I have lost sleep and I have had no response from them. It was bad enough that the crime was committed especially by to individuals we both know but it was worseBy the bank that was to help me treat me like I was a criminal. Up to this point XXXX was how I was paying for my boiler that stopped working in XXXX. I've been paying on the boiler from $ XXXX {$8000.00} prior to this {$6000.00} charges. I tried to explain that as a XXXXXXXX XXXX XXXX, a XXXXXXXX XXXX XXXX XXXX XXXX, part of XXXX XXXX crime XXXX XXXX and multiple licensed professional for NBT to treat me like that was a travesty. If I can I will also take them the court for all that unnecessary stress and accusations that they have made without any kind of remedy to help the situation even as I almost cried and was very stressed out and explained that such. My wife since then has had her mental health issues increase greatly because of the theft but also because of the way NBT has treated us. We are finding more things that are stolen by way of cards and my wife will be discussing that with consumer financial protection as well as credit report. Please help me with this and make some sense with the NBT individuals that have treated us so unfairly and disrespectful. This started in XXXX and unresolved even today. Thank you | ||||||
| 02/16/2018 | Yes |
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Web | |
| The crux of my complaint stems from US Bank furnishing account information to the credit bureaus that is currently under dispute and in still in the process of being investigated. In other words, US Bank knowingly and willfully furnish information to the credit bureaus which they have reasonable concern could be inaccurate. Additionally, CEOs XXXX & XXXX, who are both obligated by law to sign a document every year attesting to their knowledge of and responsibility for their banks operations. The law establishes punishments of {$1.00} million in fines and imprisonment of up to 10 years for knowingly making false certifications. Yet, XXXX XXXX & XXXX may have known and personally instructed the retaliation against me and other consumers. Historically, US Bank has a long history of LYING, CHEATING, MANIPULATING DOCUMENTS, PROVIDING FALSE DOCUMENTS TO COURTS, STEALING MONEY AND PROPERTY FROM CITIZENS. ETC.. US BANK has committed more fraud and caused more financial losses then ten ( 10 ) XXXX XXXX, yet not one Executive has personally paid a fine or spent one ( 1 ) day in jail. Heres a short list of US Banks most recents frauds : XX/XX/XXXX U.S. Bank to Pay {$200.00} XXXX to Resolve Alleged FHA Mortgage Lending Violations XX/XX/XXXX U.S. Bank fined {$15.00} XXXX for bankruptcy filing violations Heres are examples from recent court cases : Part of a MASSIVE fraud US Bank has been BUSTED for taking part in to steal or pillage homes from honest hardworking homeowners. XXXX XXXX of XXXX, XXXX., had her loan changed by U.S. Bank without her knowledge, from a {$300000.00} 30-year loan to a {$200000.00} loan due in 18 months, and in documents submitted to the court, U.S. Bank included four separate loan applications with different terms : See for yourself ... https : XXXX XXXX XXXX XXXXXXXX XXXX XXXXThis type of abuse is part of a Massive new fraud cover-up by banks and when financial crimes go unpunished, the root problem of fraud never gets fixed The consequences when these crimes go unpunished, the legacy of fraud never gets fixed. In this instance, the underlying ownership on potentially millions of loans has been permanently confused, and the resulting disarray will cause chaos for decades into the future, harming homeowners, investors and the broader economy. Back to my claims ; US Bank unknowingly admitted in their XX/XX/XXXX letter to me while attempting to cover up willful violations of my rights and the law. Further, I firmly believe at least one of US Banks CEOs XXXX XXXX or XXXX XXXX gave the orders to retaliate and have conspired with XXXX Credit reporting agency to ruin my credit and cause me as much financial harm as they could. Following is a chronological history of facts of my dispute with US Bank, including their CEOs XXXX XXXX & XXXX XXXX and the Credit Bureau industry. In XX/XX/XXXX, I was denied a mortgage due to information on my Credit Reports. I bought memberships to XXXX and XXXX, pulled my reports and was Stunned at what US Bank was reporting. My XXXX & XXXX reports : Reported a US Bank ( Closed ) acct. W/balance of {$4100.00}, Last Update by Furnisher ( XX/XX/XXXX ) - XXXX did not report this update until XX/XX/XXXX : US Bank Furnished an update - XXXX did not add the Update until XX/XX/XXXX XX/XX/XXXX US Bank furnished an Update = Balance {$4700.00} & added a ( 30-day late for XX/XX/XXXX ) - XXXX did not report this update until XX/XX/XXXX On XX/XX/XXXX I filed disputes through the CFPB, with XXXX, XXXX & XXXX ; claiming the Balance and late 30-day late for XX/XX/XXXX were inaccurate provided a US Bank statement to support my claim and advised US Bank of the rule of furnishing information prior to completing a proper investigation. ( In order to preserve a private right to sue, consumers Must dispute through a credit Bureau. I included the contact of US Banks CEOs XXXX XXXX * XXXX XXXX On XX/XX/XXXX XXXX, XXXX & XXXX confirm all the information in my complaint has been forwarded to US Bank. On XX/XX/XXXX Incredibly XXXX, XXXX & XXXX report that US Bank had confirmed the accuracy of the Balance at {$4700.00} and XX/XX/XXXX late- Even though US Bank admits they have not completed their investigation. ( See, US Bank letter dated XX/XX/XXXX-A Big NO NO! ) XX/XX/XXXX : Again US Bank furnishes an Update to only XXXX adding another 30 day & 60 day late for XX/XX/XXXX & XX/XX/XXXX, increasing the Balance to $ XXXX- XXXX reports this change immediately on XX/XX/XXXX ( the US Bank & XXXX relationship seems different than that with XXXX and XXXX as XXXX nor XXXX report this until XX/XX/XXXX which is the US Bank reports to all CRAS. pay attention to the XXXX/US Bank relationship ) XX/XX/XXXX ; Suspiciously, Again in mid-cycle US Bank updates the Balance and 60 days late and again only XXXX updates it that same day ( XX/XX/XXXX ) XXXX Filed CFPB complaints against XXXX.XXXX, XXXX and US BAnk . I requested removal of Fraud Alerts ( Which I never asked to me added ) and Consumer statements, explaining I was attempting to finalize a mortgage, but would be denied with a Fraud Alert or Consumer statement on my credit report.I included the contact of US Banks CEOs XXXX XXXX * XXXX XXXX and requested a political website ( XXXX ) to forward emails to board-members of US Bank US Bank Received this complaint on XX/XX/XXXX On XX/XX/XXXX US Bank added an 90-day Fraud alert to my XXXX report. *NOTE through my CFPB complaints on XX/XX/XXXX & XX/XX/XXXX, I SPECIFICALLY requested to remove any consumer statements/Alerts. Informing all that an ALERT would prevent me from obtaining my mortgage. At this point within a 15-day period, US BANK has updated and confirmed to the credit Bureaus at least ( 9 ) different times the balance and status of this US Bank account & added Consumer statements along with fraud Alerts deliberately contradicting my previous request. US Bank admitted in their XX/XX/XXXX letter that they were still investigating my disputes. With that knowledge along with the confirmed dates US Bank furnished information to the Credit Bureaus, we can conclude US BANK has basically conceded to willfully, recklessly and deliberately violating the law on at least a dozen occasions in less than 30 days. ( each time an update is reported with each credit bureau would constitute as a single violation ) and it is clear US BANK was doing so to cause as much harm to me as possible. But there is more, On XX/XX/XXXX Somehow another 90-day alert was placed on my XXXX, XXXX and XXXX Credit reports. On XX/XX/XXXX : I filed a CFPB request and complaint : Requesting XXXX, XXXX and XXXX to Immediately remove the 90-day fraud alert and provide me with an answer of who requested the Fraud Alert to be added. ( XXXX claimed it was from XXXX who claimed they received their request from XXXX ). On XX/XX/XXXX I filed a separate CFPB complaint case XXXX, against US Bank claiming that US Bank had retaliated against me as a result of my complaints. I provided a chronological history of events and violations. ( see attached US Bank XX/XX/XXXX letter responding to my CFPB complaints on ; XX/XX/XXXX Case number XXXX and XX/XX/XXXX Case number XXXX XXXX Between XX/XX/XXXX & XX/XX/XXXX numerous calls were made, pleas, long hours on the phone to have the 90-day Fraud Alert removed from XXXX , XXXX and XXXX . On XX/XX/XXXX, An XXXX fraud representative finally agreed to remove the 90-day fraud alert confirmation # XXXX On XX/XX/XXXX A call was made to XXXX XXXX, US Banks rep. In the Office of the President, card-member services. XXXX XXXX, ( co-applicant of US Bank card ) offered to pay off the entire balance immediately with the agreement US Bank would remove the late fees inXX/XX/XXXX & XX/XX/XXXX only on My reports ( XXXX Co-applicant ). That was denied without a thought! XXXX XXXX implied US Bank CEOs and/or other Executives were angry I had sent them emails with my complaints. Therefore, no agreements ; Poor guys, its ok if we XXXX you, cheat you or violate your rights. But dont you dare stand up to us! US Banks recent history supports my claims, just ask XXXX XXXX. XX/XX/XXXX All my credit reports ; XXXX, XXXX & XXXX were freed of any fraud alerts. XX/XX/XXXX Incredibly! Another Fraud Alert was placed back on my XXXX credit report, XXXX forwarded the Alert to XXXX, who forwarded the Alert to XXXX. | ||||||
| 11/05/2020 | Yes |
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| XX/XX/20 - I filed my first unemployment claim online. I was supposed to receive a prepaid US Bank ReliaCard in the mail for my unemployment benefits. XX/XX/20 XXXX - I called USBank ReliaCard customer service to ask when I should receive my card. The agent informed me there was an active card on my account with a {$0.00} balance. I told the agent thats impossible I had not received any card from them & the card is supposed to have {$11000.00} on it. The agent asked me to verify my address. I told her my address & she said that address is not correct. I explained that is only address I've had for past several years & if what she was telling me was true that someone has stolen, activated, & used the card that was intended for me then police need to know the address thats listed. The agent said I would need to verify my identity first. The agent gave me fax # & told me to send a copy of my driver 's license & piece of mail with my name and address on it before anything could be done. XX/XX/20 XXXX - I called ReliaCard again hoping a mistake had been made. The Agent verified what the previous Agent said. Then asked me if my phone # was xxx-xxxx, I said no ma'am, Agent asked me if XXXX was correct, I said no & wrote the two phone # s down. Agent asked for my correct phone # & updated my account. Then said she had to transfer my call to Tier 2 where someone could help me. I had to answer another incoming call while on hold & accidentally disconnected both calls when trying to switch back over. XX/XX/20 XXXX - I called ReliaCard for 3rd time. The automated system said we found a card in our system associated with this phone number please enter the last four of your SS #, I did, said my balance was {$0.00}, said to hear a list of my recent transactions press -, I did, said to be sent a text message with a link to view all my transactions press -, I did & received a text message with link that showed me all the transactions that had occurred on this card. I took screen shots of all the transactions. I was still on the phone with automated system so it said to report lost, stolen, damaged card press -, I did & was connected with an Agent who said he was starting dispute process for all the transactions. He explained the process & said I should receive the forms within 3-5 business days & make sure that I returned within 10 days of receiving them. He also said I could hand write my dispute & if I chose to write my dispute to list every transaction. XX/XX/20 - I went to the XXXX Police Department to file police report. The police officer said I should be able to obtain the report within 24hrs. XX/XX/20 - I filed Identity Theft Report with the Federal Trade Commission. *I received the XXXX Police Report which stated I would need to file a police report in each city the stolen card was used. * I received a text message from US Bank stating they needed to verify my identity. I clicked the link & submitted the requested information. * I still had not received the dispute forms in mail so I hand wrote my dispute & faxed my dispute with the XXXX police report attached to the fax # the Agent had given me. XX/XX/20 - I called ReliaCard to confirm they had received my fax. The automated system greeted me by saying we're sorry your card has been lost or stolen to order a replacement card press -, I did, then said the card would be shipped to the address they had on file. The address on file was my correct address. I would receive new card within 7-10 business days. Then I opted to speak to an agent. The agent confirmed they received my fax. * I called the XXXX XXXX XXXX XXXX police departments to file the additional police reports. XX/XX/20 - I was contacted by detective XXXX from the XXXX Police Department. He asked if I could get official statements from ReliaCard & gave me his email to stay in contact.I sent email of all the information I had at the time. * I called ReliaCard & requested these statements. I asked if they could tell me the address that was listed on my account before I verified my identity & got address updated so I could give it to the detective working the case. The Agent spoke with someone from tier 2 & I was given the old address. I emailed the information to the detective. XX/XX/20 - I received a text message from US Bank saying that they successfully validated my identity. XX/XX/20 - I received new ReliaCard. XX/XX/20 - I contacted XXXX Police Department & spoke with Detective XXXX who told me I should call the XXXX & file a fraud report with them as well. * I called XXXX after speaking with the detective to file a report. The agent said when she submitted the fraud form it would probably lock my account & if it did to take my ID to my local office along with any information I had about the fraud. The Agent said somebody would contact me soon regarding the fraud report. My account never locked & I havent been contacted by anyone from XXXX. * I called ReliaCard to check on the status of my claim. The agent said the last noted entry on my account said they had received my fax and my claim was under review. She said call back on Monday to check on the claim status again. XX/XX/20 - I called to check on the status of my claim. The agent said my claim had been denied on XX/XX/XXXX. The only thing noted on my account said after their investigation they did not find any billing errors.Therfore no funds would be credited to my account & this matter was now considered closed. I asked if there was somebody I could speak to about the situation. She transferred my call to tier 2 & after being on hold for over an hour I hung up and called back. The agent I spoke to next was very helpful & stayed on the phone with me until somebody from the fraud department answered. He spoke with fraud department then relayed what they had said back to me. The agent said he was going to get me a supervisor to try and get me better clarification on the situation. I spoke to the supervisor & she said the only thing they could do was resend me the dispute forms. When I got them I could submit all the new evidence and information I had with the new dispute forms & have my claim reviewed again.. I asked her if they could email me the dispute forms because I never received the first dispute forms they were supposed to send. She said they could only fax or mail the dispute forms so I told her to go ahead and mail them. Later that evening I went online and registered for a fax number. Then called ReliaCard back to see if they could fax me the dispute forms. The agent transferred me to tier 2. The agent I spoke to from tier 2 said they could not send me the dispute forms again because I could not dispute the same thing twice. I would have to wait until I received the denial letter in the mail & it would explain what their investigation consisted of, how they came to their decision, & what I could do if I didn't agree with the decision. XX/XX/20 - I was contacted by Detective XXXX from the XXXX XXXX Police Department .I emailed him all the information I had. XX/XX/20 - I received denial letter. It was dated XX/XX/XXXX. This letter did not tell me anything about what their investigation consisted of, how they came to their decision, not did it tell me what I could do if I did not agree with their decision. It said if I would like to request copies of the documents used in determining the final outcome of the investigation to call the 1-800 number on the back of my card or write to the address listed. I called ReliaCard to request copies of these documents and to find out what I needed to do. The agent transferred me to tier 2. I spoke with a gentleman who said if they believe a person has new information or new evidence about a claim then they could resend the dispute forms. When he tried to send me the forms it would not let him. After he read all the notes on the account he figured out the reason it would not let him send the dispute form. He said whoever I spoke with on XX/XX/XXXX had already sent second set of dispute forms. They said it would take 3-5 business days. I called Reliacard twice on XX/XX/XXXX to talk to someone about the forms both times the agent transferred me to tier 2 both times I was on hold for more than an hour and nobody answered. | ||||||
| 05/18/2018 | Yes |
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***This is not a duplicate complaint. I am filing that without the third party associated.
I am writing to complaint about the wrongful practice of US Bank who refused to accept the payoff payment and failure to send title to XXXX XXXX which we have refinanced the vehicle and changed ownership from my name to my husband 's name.
I have contacted US Bank since XX/XX/XXXX once I discovered that XXXX XXXX paid off my US Bank loan by mistake ( XXXX, from XXXX XXXX, talked to us on the phone XX/XX/XXXX stated that our loan application was cancelled because their bank does not provide third party vehicle transfer loan ) and trying to get the issue resolved by asking US Bank to return the payoff and process XXXX XXXX Payoff Payment Check ( which was received by US Bank at the same time ). The issue has never resolved until today.
I called on XX/XX/XXXX and spoke to XXXX from US Bank regarding the error and situation, - XXXX requested a letter from XXXX stating that they requested pay off in error, so that US Bank can issue the refund check back to XXXX XXXX - We called XXXX XXXX immediate and demand the letter to reverse the transaction, XXXX from XXXX XXXX stated that they need to escalate to the manager to resolve this issue and will call us back.
We waited a few days and no response received so we called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and they were still escalating the issue.
XX/XX/XXXX we finally received the letter from XXXX XXXX regarding the Cancellation to Payoff request and mailed to US Bank immediately to the address XXXX provided on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX including my name and loan number.
XX/XX/XXXX XXXX- I called US Bank again to follow up - On the phone with the CS rep over an hour and escalated to XXXX XXXX - floor manager from customer service dept.
- Emailed him the XXXX payoff withdraw letter and he is forwarding it to the appropriate department to handle it correctly - He promised the issue will be resolved - Explained to him XXXX is sending back the refund check as they are the correct payoff bank.
- He emailed someone he knows at the back office to get this find resolution - He stated he will reach back out to me Monday or Tuesday - XXXX XXXX Direct # XXXX Called multiple times the following 2 weeks but no response XX/XX/XXXX XXXX emailed XXXX XXXX from US Bank to follow up again - Waited another 2 weeks with NO response XX/XX/XXXX received another copy for the Payment cancellation request from XXXX - XXXX XXXX misspelled my last name so we mailed and emailed the revised letter with the correct name to US Bank again.
XX/XX/XXXX XXXX I called US Bank again due to no response from XXXX - Spoke to XXXX - She stated that she needs to escalate to her supervisor and submit a research - Waited 3 weeks never call me back XX/XX/XXXX approx. XXXX I called US Bank due to no response from this bank - Spoke to XXXX XXXX from customer service escalation - She referred my case to her manager XXXX XXXX Tel # XXXX and promised to get this resolved - I have forwarded her the XXXX payoff withdrawal letter via email to her and faxed the doc again to XXXX fax # XXXX XX/XX/XXXX XXXX I called US Bank again - Spoke to US Bank XXXX XXXX She stated she will follow up with manager and confirm with back office and call me back in a few days.
- There is no note about any check received from XXXX - There is no note about refund XXXX XXXX of reopening account to correct error.
- She stated she need to escalate but never called me back to follow up XX/XX/XXXX via email to XXXX XXXX again - Asked about the status - She responded via email on XX/XX/XXXX - Here are the content - -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX, XXXX XXXX |
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| 05/11/2017 | Yes |
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| On X/XX/2017 , I spoke with XXXX XXXX ( USBank , XXXX XXXX XXXX , XXXX ), where I have a student checking account. We spoke on the phone, and I said that I was interested in applying for my first credit card in order to build my credit score & history. I said that while I would be be graduating with my XXXX as a XXXX soon, and had substantial student debt, I wanted to begin to build my credit score so th at some day I could purchase a house, XXXX XXXX , etc. I stressed that the sole reason I was interested in applying for a credit card was to build my credit score. To that end, I wanted to submit an application with as much documentation and guarantee for a successful outcome as possible. I offered to provide proof of income, or even to bring a co-signer on board from the beginning, in order to decrease the chances of being declined. I stressed that my # 1 priority was applying for a reasonable credit card " without perks and fluff '', to maximize my chances of getting denied. I said this because it was, and is, my understanding that being denied for a credit card will negatively affect one 's credit report. XXXX XXXX originally recommended some fancy Perks card. She was kind of pushy about it, going into detail about airline miles and cashback, even after I said twice that I did not want those things. I again emphasized that I was not interested in a fancy, benefits-laden credit card. Rather, I wanted something simple and low-risk, so that the underwriters would be more likely to approve it. I wanted to pay it off every month to build my credit score, just like my parents taught me. I 've never taken out debt for anything other than my education, and I was using this solely as a vehicle to build my credit. I asked about secured cards, and she laughed and said we could do a lot better. That really stuck with me. She also insisted that it was unnecessary to delay the application even by a few days, in order to have it submitted with co-signers. She laughed at me again when I said that I thought I would need them to due a lack of credit history and my level of student debt. I again asked if she needed proof of income, because I had just received confirmation for my XXXX XXXX position 's starting salary. She said no, that it was n't necessary. She explicitly led me to believe that a co-signer on the application, or a documentation of income, would not help my application much. I stressed that I wanted to do this right the first time. To that end, she informed me that as long as a revision to a denied credit card application were submitted within 45 days, my credit card score would not be harmed. I said I understood that part, but that I really, really did not want to be denied an application. She said that I had " nothing to worry about '', even after I told her my student debt level, my income level, and the value of my present assets. She seemed so devoted and helpful. Even though the branch office proper had closed, she said I could come in and submit the paperwork right now. At the time it just seemed like she was trying to be helpful - I actually signed the paperwork standing up in the parking lot, after hours - now it seems quite suspect. I think I was pressured into that application, and that I signed it under false pretenses. She called a few days later ( ~ X/XX/17 ) and asked me details about how I would be repaying my student loans during my XXXX XXXX . Said there was " nothing to worry about '' with my application, she just needed to fill out some paperwork. Checked in a few days later with her by phone. I was surprised I had not heard anything back, because she originally said I would have an answer by X/XX/2017 . So on X/XX/17 , I asked what was going on. She said that there were some questions about my DTI ( debt to income ), and that it would help if I could provide proof of income. I said yes, and emailed it to her immediately. I was surprised that she wanted it now, because I had originally asked when I applied and she really passed off that concern. I said I was worried about this, and asked if I could include a co-signer. She said " no, you have nothing to worry about, it 's just a formality for the underwriters ''. By this point I began taking down explicit notes of every conversation in a formal log, rather than just in my daily ( XXXX 's ) notebook. That same date, a letter which I received a few days later denied my credit card application citing insufficient revolving credit history, and debt : income, despite my credit score ( XXXX XXXX , according to that letter ). I called XXXX the day I received it ( X/X/17 ). She immediately launches into how I would need a cosigner. " But XXXX , you said I did n't need one. You said I was a shoe-in for this, as a XXXX with a good credit score ''. She totally dismissed my concerns, and was solely focused on getting me to re-apply. I told her that unless she had a different idea or a superior with whom I could speak, I would be coming in to close my checking account, because I did not trust her nor USBank. She was so focused on getting another credit card application submitted that she originally did not understand that I was no longer interested in doing business with her or the company she represents. I then repeated what I said, and she originally said I was going to be charged a {$7.00} fee to close my checking account and take my balance out in cash!! I pointed out that this was not going to occur, that I do not pay money for my bank to give me my money. She put me on hold, and got an ok from the branch manager to waive that fee. She said she wanted to double-check details on the application and asked for a few days to speak with her branch manager, " to see if there 's anything we can do ''. She said they did n't want to lose me as a customer, and would pursue it. I told her I 'd give it a week, and if she could not rectify this situation I would either escalate the situation with her superiors, or leave USBank, or both. Since then I have spoken with the Asst Branch Manager ( XXXX , X/X/17 , X/X/17 ), the Branch Manager ( XXXX , X/X/17 , X/X/17 ), and the Illinoi s District Assistant ( XXXX XXXX , X/X/17 , X/XX/17 ). In each conversation, I said I could not believe that USBank, with whom my professional organization ( the XXXX XXXX XXXX ) has a professional agreement, would knowingly treat me this way. To coerce me with false information to submit a credit card application, then to prove correct my original suspicion that I would indeed need a co-signer, has been infuriating. They blamed it on the underwriters, but never once accepted responsibility for their employee 's outright lies to me. I am now worse off than when I started. I have a stain on my credit report, when I sought to act responsibly and with due diligence in order to improve my credit score . They only offered me a secured credit card ( which XXXX laughed at me, she actually laughed at me on the phone when I asked about that ), or, the chance to re-apply within 45 days of the original application to avoid hurting my credit. But the problem is, I do n't trust them at all now. I have no confidence in USBank. Either their policies are bad and the employee/s have followed them, or the employees are bad yet the bank stands behind them. Now I either need to stick with a bank I do n't trust to keep my credit score from getting slammed, or try it with another bank with my newly dented credit score, o r just throw up my hands and put my money in a dented mattress with a newly dented credit score. It 's been very disappointing, and I 'm not sure they did n't break some rules or laws. Tell your friends, and your XXXX , to stay away from USBank a nd their predatory lending practices. | ||||||
| 01/04/2022 | Yes |
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| I made the purchase of two pairs of sunglasses on XX/XX/XXXX at XXXX at the XXXX XXXX store at the XXXX XXXX XXXX XXXX in XXXX Minnesota XXXX The purchase total was {$200.00} and was made using my US bank Visa card ending in XXXX. On XX/XX/XXXX at XXXX I visited the store to return a pair of the sunglasses from the original purchase. The return amount was {$75.00}. Upon attempting the return, the young gentleman explained that he'd never done a return before and it took several minutes longer than it should have. He obtained the help of the manager, and stated the return had been made to my same visa card. The return amount was for {$75.00}. I received a receipt signed by the store employee. 30 days went by and I still had not seen the return hit my bank account. On or around XX/XX/XXXX I called the store to inquire about what was holding up my refund. The store clerk and the store manager were unable to help and provided the number for corporate. Corporate stated I should contact my bank, which I promptly did. They also supplied a complaint form, which I submitted. And submitted, and submitted again. Finally on XX/XX/XXXX I received a response email from the merchant stating a refund would be issued in 3-5 business days. It was not. I contacted them once more and on XX/XX/XXXX received another response stating that they were in communication with the store, but advised me again to contact my banking institution. In addition to contacting the store, I had called US Bank and began an investigation into the purchase and missing refund. US bank issued a provisional credit, however the credit was for the incorrect amount. I incorrectly assumed this would be adjusted based on the results of the investigation. However, that was not the case. On XX/XX/XXXX I received a letter in the mail saying they had been unable to substantiate the claim and would be reversing the entire provisional credit and closing the claim/dispute. Immediately upon receiving this letter I called US Bank to dispute their findings. US Bank admitted they'd been unable to get a hold of the merchant, and closed the case. I expressed my dissatisfaction with the findings, and the US bank agent stated they would open a new case/claim/dispute regarding the situation. Again I rattled off the same information I'd given to so many others. Purchase date, return date, merchant name, amounts, card used, etc. Since receiving the denial letter on XX/XX/XXXX, I still have yet to receive a refund from either the merchant OR the bank. I have spent more than 12 hours on the phone with both. And while I've received promises from both of a resolution, nothing has been received in the form of a refund. I've called, and called and called, and been promised call backs ( which have not been received ), promises of another provisional credit ( which hasn't been received ) and passed from department to department, and sometimes, even just hung up on by the banker. It has now been 128 days since the refund was said to have occurred and I have still not received my money back. Continued calls to US Bank just end up in a circle of transfers to different departments, and eventually ending the call with zero progress. Calls to the XXXX XXXX store fall on deaf ears and no one has been able to provide the general or district manager information, despite multiple requests, and multiple promises of a call back with the information. Please help me navigate these waters between US Bank and the merchant. I do not wish to take the issue to small claims court, but the ineptitude that both parties are showing is deplorable and makes me wonder how they ever manage to stay in business at all. Timeline of events ( all dates/times are in Central Standard time ) : XX/XX/XXXX @ XXXX - Purchase made totally {$200.00}. Receipt # XXXX, XXXX XXXX, Cashier was XXXX ( ID XXXX ) XX/XX/XXXX @ XXXX - Partial return made totaling {$75.00}. Receipt # XXXX, XXXX XXXX, Cashier was XXXX ( ID XXXX ) XX/XX/XXXX @ XXXX, XXXX and XXXX - called XXXX XXXX to ask about missing refund amount, was asked to hold/call back, and eventually given corporates information and told to contact my banking institution. XX/XX/XXXX @ XXXX - called US Bank for the first time to discuss the issue, spoke with a gentleman who stated he was submitting the issue, and I would receive a provisional credit and a letter regarding the issue once resolved. XX/XX/XXXX @ XXXX - Called US Bank after seeing the incorrect amount issued as a provisional credit. There was no resolution on this call other than being told to wait for the outcome of the investigation. XX/XX/XXXX @ XXXX I received the denial letter from US Bank and immediately called to express my disagreement. The provisional credit was also reversed on this day. XX/XX/XXXX @ XXXX - called US Bank to inquire about the progress of the situation. No resolution. XX/XX/XXXX @ XXXX - called US Bank again to inquire about the progress of the situation. Again, no one was able to give relevant information or provide a resolution. XX/XX/XXXX @ XXXX and XXXX - called US Bank again to inquire about progress, transferred multiple times to multiple departments, again they all claimed to know nothing, and no resolution was provided. XX/XX/XXXX @ XXXX and XXXX - called US Bank and spoke with a woman named XXXX, who appeared to have knowledge that no one else did. She stated the initial claim/dispute had been filed completely incorrectly and it was surprised it was denied. She attempted to re-file the claim, but was unable to due to the incorrect nature of the initial claim. She stated she was emailing someone ( didn't specify who ) and said that I would receive a call back within 48 hours regarding the situation. Was also provided the number for the fraud department. Still no resolution. XX/XX/XXXX @ XXXX - Never received a call, so I called the US Bank Fraud department via the number I was provided in an attempt to follow up on the situation, they stated it was not in their wheelhouse, was transferred around, until the call ended with no resolution, but another empty promise of a call back. XX/XX/XXXX @ XXXX - Called the XXXXXXXX XXXX store to inquire as to the continued issue of the missing refund. Was told that a general manager would be contacting me. XX/XX/XXXX @ XXXX - Contacted XXXX XXXX store asking for the management information, received a call back shortly after stating someone would call me. XX/XX/XXXX @ XXXX - Contacted XXXX XXXX in an attempt to obtain manager contact information, store clerk was unable to provide. Stated someone would call me back. XX/XX/XXXX @ XXXX - Contacted US Bank to enquire about the continued mishandling of the claim. As of XX/XX/XXXX @ XXXX - still no resolution. Just got off the phone with US bank and they have filed yet another claim, and promised yet another provisional credit, and promised yet another call back. Explanation of Attached Documents : Original Purchase Receipt and return receipt. Denial of Claim letter from US Bank Redacted Bank statements from the initial purchase through today. *The initial purchase is highlighted on the XXXX statement. *The provisional credit of the incorrect amount, issued by US Bank is on the XXXX statement. *The reversal of the provision credit is highlighted on the XXXX statement. Redacted transaction list from XX/XX/XXXX thru XX/XX/XXXX ( next statement isn't due for 2 more weeks and I wanted to show the continued lack of refund ). Two emails from XXXX XXXX stating a refund was being issued, and then a follow up email contradicted their earlier sentiments. In addition, I included the call logs from my cell phone with the calls mentioned above all highlighted. Total time on the phones so far is XXXX minutes or XXXX hours. This doesn't include the time I spent electronically communicating with the merchant or the time it took to put this complaint together. | ||||||
| 10/29/2023 | Yes |
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| On XX/XX/XXXX, I applied online for a for a US Bank Altitude Connect card ( application # XXXX ) and for a XXXX Bank XXXX XXXX XXXX card. Both applications were placed under review, so on XX/XX/XXXX, I called in to check if any additional information was needed. I was advised that my business credit card application looked good and was already with the underwriting department for processing. Regarding the consumer credit card application XXXX, I was advised that the Customer Authentication Department would need more information, so I asked to get transferred. The agent from the Customer Authentication Department claimed that the residential address provided in the application XXXX was a business address. I explained to her that I usually provide my business address as mailing address for convenience purposes so as not to receive mail at home, and then provided her with my residential address, XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, as it shows on my credit report since XXXX. It is worth highlighting that the business address that I use as mailing address, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, is already on file with US Bank, and has already been verified by US Bank 's Customer Authentication Department, upon approval of my business checking account, on XX/XX/XXXX, application # XXXX. On that occasion, I was asked to fax in the EIN Confirmation Letter for my business to the Customer Authentication Department, which I did on XX/XX/XXXX. The EIN Confirmation LetteXXXX from the IRS shows my business address on file. So there should be nothing odd about the addresses provided : residential address which matches my credit report, and business and mailing address that match my EIN Confirmation Letter and the information on file with US Bank. Then she claimed that I had stated 3 different addresses on my application XXXX, when I only had provided one address, the one on file with US Bank for business and mailing purposes. At this point I wondered what was wrong with this agent, making inaccurate observations of the data. Why would she do that? In any case, this was not a good sign, she seemed to be biased against me, and I began to feel bothered. She then came back and asked me to fax in a very long list of documents : - valid government issued ID. - social security card. - lease of mortgage of my home. - federal tax return of the last 2 years. - bank statements of the last 2 months. - EIN Confirmation Letter for my business. I was shocked. I explained to her that I had already provided US Bank 's Customer Authentication Department with the EIN Confirmation Letter for my business 1 month earlier ( fax sent on XX/XX/XXXX ), which resulted in the approval of my business checking account, but she seemed not to care, disregarding the review performed by her peers 1 month ago, and insisting I would have to fax it again. I refrained myself from making any comments on the spot, but I was obviously bothered by the situation. The agent wanted to verify/have documented every single piece of single information provided, even the information already verified/documented by her peers. I found this excessive, and of course, made me reconsider whether it would make sense to move forward with the processing of the credit card application. But things got worse. A couple of days later, I realized that some transfers that I had ordered from my personal checking account had been rejected. I then called in Customer Service and was advised that the agent from the Customer Authentication Department had put a HOLD on my approved and funded personal and checking accounts on XX/XX/XXXX. At this point, I was flabbergasted, annoyed and frustrated. How could possibly funds that came from bank accounts under my name, verified and linked on US Banks mobile app, be left suddenly out of my reach? Since XX/XX/XXXX, I have been unable to access the XXXX usd that I hold on my business and checking accounts at US Bank, nor even make any bill payment. This is excessive and not fair. While I appreciate XXXX Bank 's concern for customer 's security, I feel the steps taken by the agent of the Customer Authentication Department have been excessive. To keep it short, I checked in regarding the consumer credit card application, I successfully provided clarification regarding my residential address as the one matching on my credit report, but left the call with a laundry list of documents that I was demanded to fax in, including documents ( EIN Confirmation Letter ) that I had faxed to the same department 1 month ago to have my business checking account approved. I don't understand what the concerns of US Bank are and why my checking accounts got a HOLD. I would like to analyze the situation in parts : 1. Regarding my business checking account, active, approved and funded, the business address provided was verified by US Bank when I faxed in my EIN confirmation Letter on XX/XX/XXXX, which ended in the approval of the account. So I feel I do not have to fax the EIN confirmation letter again as requested ; instead, US Bank should check its records, find the EIN confirmation letter was faxed by me on XX/XX/XXXX, and lift the HOLD on the account. I do not find anything left to be verified regarding my business checking account, so I think the HOLD on this account should be lifted. 2. Regarding my consumer checking account, active, approved and funded, the residential address provided was my mailing and business address, which had already been verified by US Bank. If US Bank requires me to provide my residential address, I had already done so, XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, as my credit report shows. So I feel there is nothing left to be verified regarding this account either, and US Bank should lift the HOLD on the account. 3. If there is any concern about my identity, I do not have any issues in faxing in my government issued ID and social security card, and the banking statements of the last 2 months, as requested. XXXX. Regarding the request to fax in my mortgage and federal tax return of the last 2 years, while I understand this request in the context of the consumer credit card application XXXX, I find it excessively intrusive for a credit card application and I do not feel comfortable sharing these documents. These information can be obtained from my credit reports as all other financial institutions I do business with have done. Therefore, if these documents will be essential for processing of the credit card application XXXX, I would rather have it removed. At this point I feel under the obligation to bring this to your attention, as this situation requires an immediate resolution. There is no good reason to have a HOLD on my checking accounts with XXXX usd on them because of a credit card application. I would appreciate receiving a call from a seasoned specialist from your Executive Office ASAP to have the HOLD lifted swiftly and to provide a proper resolution to the credit card applications. If such an immediate action can not be taken, please have my accounts closed immediately and my funds refunded by check to my mailing address on file or to the bank accounts the funds came originally from. I personally feel under the moral obligation to make this dreadful experience visible to you. I bet this is not the way you would expect your employees to approach a recently acquired new customer, an XXXX from an XXXX XXXX top business school. Of course I would like my case to be resolved favorably and swiftly, but most importantly I do not want anybody else to experience a situation like this. It is just not fair, nobody deserves to be treated like this. I look forward to hearing from you ASAP. Sincerely, p.s. find attached the fax I sent on XX/XX/XXXX with my EIN confirmation letter, which led to the approval of my business checking account | ||||||
| 12/30/2018 | Yes |
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| On XX/XX/2018, we applied for a home equity loan with US Bank. In a letter dated XX/XX/XXXX, we received our first conditional approval with the correct loan amount and term. In a letter dated XX/XX/XXXX, we received two more conditional approvals, both had incorrect terms and both had different interest rates from each other but with the same loan amount. On XX/XX/XXXX, we spoke with the local branch representative, XXXX XXXX, who went through the details and said the loan would take about a week to close. On XX/XX/XXXX, we visited the local branch to ask about payment dates. We spoke with XXXX. We said we needed the payment date around the XXXX of the month ; XXXX said that could be done. While we were there, XXXX asked us to sign the borrower authorization form so that he could gather all of the information for us. He also stated again that the loan would only take about a week to close. In a letter dated XX/XX/XXXX, we received a letter stating that US Bank still needed two items in order to finalize our loan, which is 10 days after we signed the borrower authorization form. On XX/XX/XXXX, we spoke with XXXX at the local branch to inquire about the process since it seemed to be taking a long time. When he looked at our loan, he informed us that our loan was a 10-year loan with a specific rate. We only asked for a 5-year loan to which he replied, he wasnt aware of US Bank offering a 5-year loan. When we asked about the different interest rates, he informed us that the rate could vary up until the time of closing. In a letter dated XX/XX/XXXX, we received another conditional approval with the correct loan amount and term, but with the fourth different interest rate. At the same time, we also received a letter stating that in order to be approved, we would need to include four items for payoff, which were what we had originally stated that we wanted to pay off. We called the local branch at this time to find out what was going on with our loan. We were told that they were still waiting on the same XXXX items that we received a letter about dated XX/XX/XXXX. We asked to speak with a manager but was informed he was out. We asked to speak with a district manager and we were given XXXX XXXX name and number. Before we called XXXX, we called XXXX XXXX and obtained the two items that US Bank hadnt obtained on our behalf in 16 days. When we spoke with XXXX, who identified herself as a district manager, we relayed all of our complaints about the loan and were told she would look into our complaints and get back to us. In a letter dated XX/XX/XXXX, we received another conditional approval with the correct loan amount and term and the same rate as the last approval. At the same time, we also received a letter stating that in order to be approved, we would need to include five items for payoff, which now included an item that we did not want to include to pay off. In a letter dated XX/XX/XXXX, we received another conditional approval with the correct term and loan amount, but with a different interest rate. On XX/XX/XXXX, once we knew about the truck being included, my wife stopped by the branch to talk to XXXX. XXXX said I mentioned including the truck when we first spoke on XX/XX/XXXX. My wife disagreed and asked for the phone records to be pulled. XXXX began stating loudly in front of an elderly couple what our Debt to Income was as well as stating that is was due to having two XXXX loans that we had to include the truck. Very embarrassing! My wife called him later to confirm that I didnt state anything about the truck being included on our 1st phone call. We discussed closing the loan on XX/XX/XXXX. He said that the payment date of the XXXX of the month but not the XXXX as we asked before. My wife called XXXX XXXX, the loan processor, on XX/XX/XXXX, discussing the truck being included and about the interest rate varying. She explained the truck was being included since XXXX had not added our mortgage into our loan debt until mid-XX/XX/XXXX, after we spoke to XXXX. XXXX offered us different loan options not to include the truck that had higher loan amounts or longer terms. In a letter dated XX/XX/XXXX, we received two more conditional approvals with the correct term and loan amount, but with a different interest rate from the previous approvals. We called XXXX XXXX on XX/XX/XXXX, to inquire why the interest rate kept changing. She informed us that the rate had the ability to be lowered by .25 % with automatic withdrawal and .25 % for opening a checking account ; this was the first time we heard this because it had never been disclosed to us. She referred us to the XXXX XXXX XXXX since we didnt get any help from XXXX XXXX, the branch manager at XXXX at XXXX. After explaining the issues to him, he only offered the excuse that he was on vacation the whole time, with no course of action. On XX/XX/XXXX, we spoke with XXXX again to make sure everything was in order with our file so that we could schedule our closing. As we had stated through the whole process, we wanted our payment date to be after the XXXX of the month, preferably the XXXX. XXXX confirmed that everything was set and the payment was set up to be the XXXX, as requested. On XX/XX/XXXX, we went into the XXXX XXXX branch to close our loan. We met with XXXX XXXX, the branch manager, to close our loan. For whatever reason, there were issues with US Bank systems and XXXX was unable to close our loan and had to postpone the closing. We dont believe there were issues since XXXX was still entering our information about payoffs into the computer. He contacted us later to re-schedule the closing for XX/XX/XXXX. On XX/XX/XXXX, we met with XXXX XXXX, the branch manager of another branch, to close our loan at my place of business. What we didnt know was that when XXXX rescheduled our closing, he overrode the payment date and changed it to be the XXXX of the month. Also, when XXXX wrote the checks that needed to be sent for payoffs, he did not include any account numbers on the checks, didnt include any payoff statements with the checks, and sent them regular mail instead of overnighting the checks, which is their policy. It was also at this time, when we were investigating all of these issues, that we found out that XXXX XXXX is not the district manager as we were led to believe ; she is only a branch manager for another branch. XXXX XXXX is actually the district manager, which we confirmed, and we started working with her to correct some of the issues ; namely, stopping payment on the incorrect checks and reissuing as well as modifying the payment date on our loan. This last piece occurred through a modification to the loan on XX/XX/XXXX. In order to finally complete and close this loan, we dealt with 12 different US Bank employees and spent countless hours on the phone and in person working through their incompetence. It was as if this was the first time they had ever done a home equity loan. The entire process was a 73-day ordeal ( not 7 days as promised ) in which we were continually lied to and/or mislead. We were never given disclosures to explain what was happening or what to expect, answers to our questions were never the same from one person to the next, our loan amount was changed ( we were told on one occasion by XXXX on XX/XX/XXXX that our loan was {$23000.00} higher than what we requested ), the term that we requested was changed, the interest continually changed, a branch manager identified herself as a district manager, etc etc. It is our strong belief that we were discriminated against because I work for a competitor bank. We also strongly believe that US Bank violated Regulation C for Mortgage Disclosures, Regulation K for Sales Practices, Regulation P for Privacy, Regulation Z for Truth in Lending, as well as undertook Unfair, Deceptive or Abusive Acts or Practices. | ||||||
| 12/23/2020 | Yes |
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| On XX/XX/XXXX I received a deposit on my ReliaCard with US Bank for {$1.00}, XXXX from my state agency which is unemployment benefits the amount that I received was back pay for the weeks that I missed. On XX/XX/XXXX when I received the deposit I soon attempted to use the card and it was declined. At that point I called US Bank Relia card once I got them on the phone they informed me that I had recently changed my address on file with them. When they said this I told them I was like no ma'am I did not I haven't used this prepaid card in about 6 months being that I was in rehabilitation for quite some time. Of course they argued with me and said I needed to re-up date my contact information which was my address, at the time I was homeless so I didn't have an address or proof of mail with my name on it like an electric bill or something and I told them that but they insisted that I updated my address. At this point after arguing with them I agreed I told them that I'm still homeless I would just have to change my mailing address they said that once I upload the documentation with updated address and also my driver 's license that it would take five business days for them to process it. Never once did they try and contact me within that amount of time I had to call them and proceeded to ask what the status was on this claim but apparently the only information they can give me about it is whether or not, whoever is in charge of the claim reviewed the documentation that I uploaded was acceptable or not. At this point after about a week and a half two weeks after calling them about 4 times they be gone to see that I was getting annoyed at this point they told me that I need to update my address with my state agency so that the address with US Bank ReliaCard and my state agency match at this point I was upset I understand I get it the addresses have to match although they made me change my address in the first place at that point they should have told me that I needed to update my address with my state agency also instead of waiting almost two weeks before they told me that I had to do it. Once again I was upset not upset because I had to update my address but upset because I had to update the address then wait 5 more business days again!!!! At the same time as I was being upset I was relieved at this point because I felt like I was getting somewhere with the claim. No changing my address with my state agency takes less than XXXX minutes and updates automatically and that is just what I did right after I updated my address with my state agency I received an email saying that it was updated also I get a message from the state agencies website that has a message box on the website so not only did I get an email but I got an email in a message from the state agency saying that my address was updated. Same as before never not once have I heard from u.s. Bank ReliaCard. After a few days I call you as US Bank ReliaCard to check the status of the claim once again. Not at this point they proceeded to tell me that the addresses are not matching up so I speak to them and I make sure that they have the proper address I also spelled out the entire address to make sure that they spelled it correctly and they did it was correct. So I just wait a little bit longer hoping that maybe something in the system might update or change I gave it some time before I call usbankreliacard back again and when I did still they proceeded to tell me that the addresses did not match. So after a small argument over the phone with the bank after hanging up once again I go to my state agency online and I update my address once again not sure why I did that but I did because it said right in front of me the address and it was spelled correctly with my state agency also. Once again five business days later I call the bank again and at this point the conversation did not go any further than it did when I called the last time they still proceeded to tell me that the address they had on file and the address my state agency had on file was incorrect at this point I hang up with the bank and I call my state agency. Finally after many attempts I get my state agency on the phone I told them what happened word for word and they proceeded to tell me that the address that I verify with the bank is the same address that they had on file also I spelled it out 2 my state agency to make sure that it was spelled correctly and ask them to re update it for me in case there was a problem with the online site for the state agency.. my state agency preceded tell me that the address has been updated have been updated a numerous amount of times and that she would update it again and assured me over and over that the address has been updated although us bank relia card still denies that the addresses do not match up. At this point I'm extremely frustrated had I not switched debit cards with my state agency I will be going into a month at this point with absolutely no money. As of XX/XX/XXXX XX/XX/XXXX which is now almost two months since that deposit was put on the card I still have not been able to use {$0.00} on this card. Now in between all this I have called usbankreliacard about this one particular situation probably 30 something times and I'm not exaggerating in attempt to fix this problem. Every time I've called them also asking to speak to a supervisor a handful of times I haven't gotten absolutely nowhere with the situation it's been at a standstill for about almost a month now and the only response that I can get from US Bank Relia card is that I need to call my state agency and update my address at this point I'm extremely frustrated because I have tried to tell these people that I have updated it and something is wrong there's a problem somewhere else I've called them I did it myself online four different timesand it doesn't matter how many times I say that or who I said it to at the bank no one seems to care or tried to help me fix the situation any further than that. I asked him I said please work with me I did what you asked me to do tell me what I can do to fix the problem what information can I send you do you want me to go online and take screenshots of my account with the state agency and prove to you that I've updated my address or do you want to call them and ask him that yourself with me on the phone our work with me tell me what I can do to fix this problem because calling my state agency and tell him that y'all said my address is not been updated is not fixing the situation because in my eyes and in their eyes the address has been updated. So after almost 2 months now a fighting with my state agency and us Bank relia card and when I say I called the bank at least 30 times I'm not exaggerating my state agency I've called them about five maybe six times the reason can I didn't call them more is because it's a simple problem update your address I can do that myself online calling them is not helping the situation because they're just doing the exact same thing that I can do online from what they're telling me so at this point I'm stuck in the middle of my state agency and the bank that blames it on each other so yeah I'm stuck in the middle sitting here with {$1200.00} on a card that I can't even use and it's extremely frustrating especially when the state agency will only except my phone call 1 day out of the week and still have trouble calling them because more than half the time the line is busy and I get hung up on because of high call volume. Please Help I just want to get the issue resolved in a timely manner and without argumentation.. Thanks in advance I'm really not sure if there is any type of documentation that needs to be uploaded here or not ... PLEASE PLEASE let me know if so and I can upload any documentation immediately. Thanks in Advance!!!! | ||||||
| 11/06/2017 | Yes |
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| Have had card with Service Provider since XX/XX/XXXX and have had excellent overall payment history with same. Recently due to a misunderstanding I made two payments in XXXX, and thought the one made at the END of XXXX covered my XXXX payment. Here is the Account History as shown on XXXX Website XX/XX/XXXX showing drastic jump in interest rate XX/XX/XXXX which has increased to 28,.99% without warning nor in my opinion justification sufficient to warrant same noting that a late fee was paid $XXXX on XX/XX/XXXX: TRANSACTION DATE POSTING DATE DESCRIPTION AMOUNT XX/XX/XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX *XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX *XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX *XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX,XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT THANK YOU -$XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES $XXXX XX/XX/XXXX XX/XX/XXXX LATE FEE - PAYMENT DUE ON XX/XX/XXXX $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX,XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT THANK YOU -$XXXX XX/XX/XXXX XX/XX/XXXX + XXXX *XXXX XXXX XXXX WA $XXXX XX/XX/XXXX XX/XX/XXXX INTEREST REVERSAL -$XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES $XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT THANK YOU -$XXXX XX/XX/XXXX XX/XX/XXXX + XXXX,XXXX XXXX CA $XXXX XX/XX/XXXX XX/XX/XXXX + XXXX *XXXX XXXX CA -$XXXX XX/XX/XXXX XX/XX/XXXX + XXXX *XXXX XXXX XXXX CA $XXXX Here is the exchange by Message on XXXX Website XX/XX/XXXX Date: XX/XX/XXXX Message #: XXXX From: Cardmember Service Subject: Payment Amount Message: Dear ______XXXX: Thank you for contacting XXXX XXXX XXXX via our Website about your Visa Business account ending in XXXX. After reviewing your account, we show it is set up to be Centrally Billed. This means that you have one consolidated statement for all of your business credit cards issued, rather than separate statements for each credit card on your business account. Therefore, when logged in to Online Banking, your individual credit card is not showing the amount due, because your balance automatically transfers to your central billing account at the end of each statement cycle. However, you can view your central billing account balance via Online Banking. Log in to your account and click on Select Account from the menu on the top left-hand side of your screen. Next, select Accounts Payable from the list of accounts and your balance will appear. Please note the minimum payment on your account for your XX/XX/XXXX statement was calculated as follows: 1% of your balance less fees and Interest Charges or $XXXX minimum $XXXX, plus the Late Payment Fee $XXXX, plus Interest Charges $XXXX, plus the past-due amount $XXXX, which equals the $XXXX minimum payment when rounded up to the next whole dollar amount. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX XXXX the following message was sent: I cannot determine how this payment was arrived at. I had a payment due of $XXXX, and this is larger than normal. Nothing unusual has taken place of which I am aware. Next Minimum Payment: $XXXX Last Statement Balance: $XXXX Current Balance: $XXXX Here is the exchange by Message on XXXX Website XX/XX/XXXX Read a Secure Message Date: XX/XX/XXXX Message #: XXXX Subject: Interest Rate Escalation Unacceptable Message: A review shows excellent payment history for about twenty years. I made two payments in XXXX, one mid month and the other end of month. I thought the later payment covered the XXXX due amount as it appeared to do when making same. This unfortunately resulted in a missed XXXX payment. This was reviewed in our message of XX/XX/XXXX and as far as I know was resolved OK. Kindly return my account to a normal state as otherwise it precipitates a hardship. In the alternative I am willing to settle out the account for $XXXX now to close it out permanently. Please let me know at once as I am holding funds out for this specific purpose which are otherwise needed elsewhere in short order. Thank you for taking such a hard line with me after twenty years. You would not know a good customer if you fell on her. On XX/XX/XXXX at XXXX XXXX the following message was sent: There was an error or issue which was resolved and payment was made. You were to NOT change the rate and must not with my high balance. Otherwise you will precipitate a hardship resulting in non payment. Neither of us wants THAT outcome. My situation can be managed otherwise. The vicious and undeserved attack is unsustainable and unmerited. I have a very long good history with you dating back to XX/XX/XXXX. NOW PLEASE CHILL OUT AND FIX THIS OR I MUST PUT ALL MY ACCOUNTS ON A PAY FREEZE THIS WILL RESULT IN A HARDSHIP ELECTION BEING FORCED ON ALL ACCOUNTS THIS IS NOT AN OUTCOME WHICH I WANT NOR WHICH IS NECESSARY YOU WAIVED THE ACTION EARLIER BUT ARE NOW RENEGING ON OUR AGREEMENT OTHERWISE. PLEASE REPENT OF YOUR VICIOUS ATTACK ON MY PERSON AND OUR MUTUAL WELL BEING On XX/XX/XXXX at XXXX XXXX Cardmember Service wrote: Dear ______ Thank you for contacting XXXX XXXX XXXX via our website about your Visa Business account ending in XXXX. Our records indicate that your Annual Percentage Rate APR has changed to Prime + 24.74% currently 28.99% due to late payments made on the account. This APR will remain in effect until there have been six consecutive months of on time payments and your account remains under its limit. After that time your APR will automatically decrease to your regular purchase rate of Prime + 7.5% currently 11.75% on XX/XX/XXXX. Unfortunately, we cannot remove the penalty APR before that time. We apologize for any inconvenience this may cause you. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX XXXX the following message was sent: I am uncertain why you have escalated my interest rate but I dispute this action and ask that you reduce it to 9.9% at once and adjust my payment due accordingly. I have had your card for quite some time and have diligently maintained a good relationship despite the usual occasional exception. I find no justification for such a drastic interest rate and I cannot pay it without undue hardship in any case. Thank you. Your immediate cooperation will insure immediate payment of the to be adjusted amount and henceforth likewise. Please send emails to XXXX_____XXXX Unfortunately this resulted in the account being flagged for non payment of XXXX and a Late Fee being assessed. I discussed this with the Service Provider on XX/XX/XXXX and it appeared that the matter was resolved, and I made further payment to cover all which was due. A few days ago I saw that a HUGE interest charge was being assessed at 28.9% which I cannot afford and creates a hardship. They now say that the late payment is the cause and that I must suffer six months of penalty interest because of it. After being a good cardholder customer for nearly 25 years this is outrageous and it would cause me great harm. My obligation is near the card's limit of $XXXX. Ty XXXX XX/XX/XXXX (2 days ago) Now what do I do? This SUCKS. | ||||||
| 03/06/2023 | Yes |
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| On XX/XX/XXXX I closed on my mortgage with US Bank. It was clearly understood that my wife was to be added to the deed but not the mortgage itself. During the closing, my wife noticed that she was not listed on the deed. Our mortgage representative was present and asked XXXX XXXX to verify this was on the work order, which it was. The person closing on the mortgage refused to stop the closing because the sellers of the property had " already been waiting too long ''. My wife was not comfortable with this and requested that the deed be prepared correctly especially considering this was a fee we had paid for. They refused. Our mortgage representative continued to tell us that once we received the Warranty Deed in the mail, take it to our county Assessors office and Quit Claim Deed to make the changes. My wife has been a XXXX XXXXXXXX for XXXX years so she knew right away this was against US Bank 's policy and doing so cause them to accelerate our mortgage. The mortgage rep insisted that we continue with the closing and she assured us we would not have any issues but continued to wink her eye and say quote " but you didn't hear it from me ''. For the next couple of weeks my wife continued to contact our representative who refused to help in any way and told us as long as we make the payments after the Quit Claim Deed, we won't have to worry about anything. My wife told her many times that she has read the mortgage in it's entirety and it clearly states that if any changes were made US Bank holds the rights to accelerate. My wife contacted US Bank on at least 6 occasions asking for help without success. We finally visited XXXX different branches and was not able to get help from anyone. As of XX/XX/XXXX, US Bank still does not hold the title to my home and they have no idea who to contact or how to get the title. On XXXX XXXX XXXX my wife scheduled our first payment to be processed on XX/XX/XXXX rather than waiting until XX/XX/XXXX when the first payment was contractually scheduled, in order to avoid accruing unnecessary interest. US Bank lost the payment, refused to help locate the payment until XXXX weeks later. My wife was able to learn that US Bank opened a second mortgage account under my name, applied the payment to that account, and subsequently closed that account. Each time my wife would contact the mortgage department, she was told they would reverse the payment and post it effective XX/XX/XXXX as instructed. This was never completed. It was reversed and posted again in mid XXXX, after another XXXX hour phone call, it was reversed and then posted around XX/XX/XXXX. We visited a branch XXXX minutes away and were told by XXXX XXXX that she didn't want to get involved because she was transferring to a different department in a week and didn't want to worry about following up and told us to come back the next day to speak with the branch XXXX. I took yet another day off of work and we met with the branch XXXX who was absolutely no help at all. He refused to make a single phone call or try to contact anyone with the mortgage department and told us his hands were tied. I took yet another day off of work to visit a different branch the next day. We spoke with XXXX XXXX who assured us he would take care of everything with the exception of helping us with getting my wife added to the deed and told us to do the same thing our mortgage representative did and have a Quit Claim Deed filed and we would have to pay for it. When we told him we were not going to risk having our mortgage accelerated. To which he replied the same as the others, " as long as you make your payments, you'll be ok ''. My wife was extremely angry and we thought it best to leave. We were in the process of cashing a few checks and making another mortgage payment and XXXX approached us and said the mortgage department was going to reverse the payment and post it correctly but the best they could do was XX/XX/XXXX rather than the XXXX. We agreed to that. To date, this has not been corrected and US Bank refuses to do so. They have reported to the IRS that payment was made in XXXX causing us to receive tax notices from the IRS. The payment still stands posted effective XX/XX/XXXX. I have provided US Bank with a financial power of attorney given to my wife and signed an authorization letter giving her the right to speak on my behalf in any and all capacity regarding this mortgage. We received a confirmation letter yet US Bank still refuses to speak with her, stating the authorization is not on file. I applied for a line of credit XXXX weeks ago and was denied due to a low credit score. We were puzzled and couldn't figure out why as my score was XXXX when I signed for the mortgage. My wife contacted US Bank on XX/XX/XXXX to make our monthly payment. The representative continued to refuse the payment and refuse to speak to my wife so she added me to the call to give my authorization. The representative told us that she was not able to process the payment as the mortgage has been charged off as a bad debt. After an hour of going on and on with her she told us that the mortgage account that was opened without my knowledge was marked charged off and was reported to my credit file which absolutely explains why my credit score is now XXXX. We asked when that account was charged off and we were told it was charged off on XX/XX/XXXX when our new mortgage was opened. We explained that we closed on our mortgage on XX/XX/XXXX but her records show it was not opened until XX/XX/XXXX. After quite some time, she was able to override her system and accept the payment, posting it to the correct mortgage. When we asked about the title we were told that US Bank still does not hold the title to our home and they were having trouble getting it from the county in which we reside. I asked what would happen if we pay the house off that day, how would we get the title to which she replied " I'm not sure, you'll have to take that up with your county ''. US Bank has not only destroyed my credit, but I am stuck in a mortgage for a house I will never own because no one seems to know where the title is, we were put into an FHA loan with assistance from XXXX and in our contract it states the XXXX grant is forgiven after XXXX years however we have learned it's actually 10 years and we are not permitted to sell or refinance without severe penalties and also we would be responsible for the XXXX XXXX. We also learned our mortgage was closed without having any insurance on our home. State Farm, our insurance company for many years, contacted my wife asking questions about the property. It was then we learned that an inspection was not completed by State Farm to properly have the policy underwritten meaning we resided in our home for over a month without insurance. Our escrow is approximately {$1700.00} annually for insurance however now that the policy is effective it's {$120.00} less yet it is calculated in our monthly payment at the {$1700.00}. US Bank told us we would not have our payment lowered accordingly nor would we receive the {$120.00} refund annually. Upon investigation, we have learned that US Bank has recently been fined in the millions for opening accounts in customer ( XXXX ) names without their knowledge as well as lines of credit, deposit accounts, credit cards and loan accounts and I am now a victim of their fraudulent activities. I am not in the best of health so my wife is in constant worry that if something were to happen to me, she has zero rights to our home as they required her to relinquish her homestead rights but it was agreed upon she be added to the deed but since that did not happen and US Bank refuses to rectify this, she would immediately be forced to vacate. | ||||||
| 11/03/2020 | Yes |
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| In XXXX of XXXX I called US Bank looking for information on removing the PMI from my home mortgage. I received a letter on XX/XX/XXXX ( Attachment # 1 ) laying out the two options available to me moving forward. At this point I elected for Option 2 or Current Value Cancellation which involved paying {$320.00} for an appraisal to determine the new Loan to Current Value ( LTCV ) ratio. I pay {$88.00} in PMI each month to US Bank. I have a 2 bedroom and XXXX bathroom home. If you are in the first two years or over five years on your loan, you need 80 % or less LTCV. If you are in years three or four, you need 75 % or less LTCV. It is not clear to me why years two to five are different than any other time on your loan. Adding another complexity to this whole situation, my loan was closed on XX/XX/XXXX so I will be at the 5-year threshold in just a few months. The appraisal was completed on XX/XX/XXXX. US Bank and the appraiser told me that he had to get the appraisal back to the bank within 10 days, and the bank had two weeks to process and respond to the PMI removal request. 25 days later, on XX/XX/XXXX I called US Bank looking for information on the outcome of my PMI removal application. I was told that it was estimated to be resolved on XX/XX/XXXX. I inquired about the timeline I was originally given and was not given an answer. On XX/XX/XXXX, I again called looking for information on my case. I was told that I did not meet the requirements for PMI removal and that I would be getting my appraisal in the mail. I received a letter saying the same a few days later ( Attachment # 2 ). This letter did not include the appraisal. After not receiving the appraisal for another two weeks, I called again on XX/XX/XXXX and was able to get a copy emailed to me. The woman I spoke to told me I had to submit a dispute immediately because I only had 60 days from the date of the appraisal to dispute it. I submitted a formal dispute to my appraisal on XX/XX/XXXX. I did receive the appraisal in the mail that same day, post marked for XX/XX/XXXX. ( Attachment # 3 ). I had three major points of dispute with the appraisal. XXXX. I have a patio which was not reflected on the appraisal. 2. Four of the six comps pulled had only 1 bathroom. My house has 2.5 bathrooms. To equalize these comps the appraiser credited these houses {$1000.00} for a half bath and {$2000.00} for a full bath. This extremely low credit value disproportionately affected my appraisal value ( Attachment # 4 ). You can not refinish an existing bathroom for {$1000.00} - {$2000.00}, let alone build an entire new bath. 3. Of the three comps that were included and sold, they dated back to XX/XX/XXXX, XXXX and XXXX of XXXX. The oldest was sold 6 months before my appraisal and 8 months before I even received a copy of the appraisal. After submitting the dispute ( Attachment # 5 ), I received an email back from US Bank ( Attachment # 6 ) the following day stating I had to fill out the attached Reconsideration of Value Request forms. These were completed and returned immediately as it was the 58th day since my appraisal and I only had 60 days to submit. I filled out the form using comps with two bedrooms and two and a half baths. I received the Reconsideration of Value Request form in the mail ( Attachment # 7 ) sometime XXXX with a date of XX/XX/XXXX on the letter. If I had not been calling US Bank over and over again, I would have received this form too late to file it. Following the dispute submittal on XX/XX/XXXX, I called US Bank a few times to inquire if a solution had been achieved. Sometime in mid to late XXXX I received a letter dated XX/XX/XXXX ( Attachment # 8 ) stating that the rebuttal request had been submitted and the results are outlined in the attached report. Unfortunately, but not surprisingly, there was no attached report. In the letter, it did say that I still had not reached my loan to value ratio required ( LTV now 79.4 % ) but they would be more than happy for me to pay them {$10000.00} to reduce my unpaid principle balance to {$180000.00} and they would remove the PMI. I called US Bank and escalated my case up to a supervisor who told me that the appraisal had been adjusted to {$240000.00} because they didnt include the patio, but the comparable properties that I had sent were listed or sold after the original appraisal was completed and they were unable to consider them. They also said that even if they could, these properties had decks and would not be comparable. I am wondering how a onXXXX bathroom home could be comparable, but a home with a deck is not comparable. I am also wondering why homes sold 6 months prior to an appraisal are comparable, but they would not consider homes sold 2 months post appraisal. During the call I filed a Consumer Advocacy Complaint with US Bank regarding my entire case including the process and disinformation I had received along the way. The major piece of my complaint revolved around the comps that were used for the appraisal. I was told before ending the call that the consumer advocacy center reviews these cases within a month. I called back a month later at some point in late XXXX and I was told that the expected resolution date was XX/XX/XXXX. I told them that I had been told in XXXX that it was supposed to take a month to consider the case. The person I spoke to told me that I had actually spoken to their boss in a previous phone call and that they were incorrect. I asked that these issues be added to my open case with Consumer Advocacy Center. The person I spoke with also asked if I had received a letter stating they had received my complaint. I said I had not. Two weeks later I received a letter ( Attachment # 9 ) stating that they had a specialized team reviewing the case and issues I had raised. The expected response time was 10-15 days from the date of the letter I had received which was XX/XX/XXXX. Ive now paid {$880.00} in PMI since beginning of the process. In the last week of XXXX, I received a letter from Customer Advocacy Specialist XXXX XXXX XXXX Attachment # 10 ). All that was included in the letter was a recap of the appraisal dispute and reiterated the appraisers comments to the comparable properties I had included. They said that my appraisal was no longer valid, that I could not submit anymore disputes and that they would be more than happy for me to pay another {$320.00} for another appraisal. They were sorry that what I have outlined above was frustrating, inconvenient and they regret if I feel that I did not receive superior service. I once again called US Bank to speak with someone in the Customer Advocacy team since the bottom of my written response stated that if I wished to discuss this matter further, please contact the Customer Advocacy Center at XXXX. The number that I was given was for Customer Service who escalated me to a supervisor. He told me there was nothing he could do and if I wanted to file another complaint with Customer Advocacy I could. He told me that there was no way for me to speak with Customer Advocacy. I asked if I could speak to his boss and he told me that his boss doesnt take phone calls. Eventually he XXXX XXXX XXXX, the person who signed my letter, and they told him to contact the Vice President. XXXX XXXX called me back a few minutes later to discuss my case. To sum up the XXXX phone call, US Bank did not investigate my claim that the comps used were the most accurate. He stated that US Bank didnt see an issue with the process and nothing else could be done. This process has lasted almost an entire year, I hope that the CFPB can assist with finding some sort of reasonable resolution. Ive paid {$960.00} in PMI since the beginning of this process. | ||||||
| 03/03/2020 | Yes |
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Web | Older American |
| FORMAL COMPLAINTS AGAINST XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES OVER MISREPRESENATIONS IN THE TRANSFER OF XXXX XXXX CREDIT CARD OPERATIONS TO ELAN, AS WELL AS OTHER RELATED AND SEPARATE ABUSES BY XXXX XXXX OF MEMBER # XXXX, COMPLAINANT : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; Contact Info : phone XXXX ; email : XXXX XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU RE : FORMAL COMPLAINTS AGAINST ELAN FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX FOR IMPROPER, CUSTOMER-or-MEMBER ABUSIVE POLICIES & PROCEDURES, MISREPRESENTATION & FRAUD { NOTE : SUPPORTING EXHIBITS ATTACHED TO COMPLAINT } Background : Complaint is herewith filed by this semi-retired professor of economics and business, including Money and Banking, who is a multi-year member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) holding their VISA card. After servicing this card for decades, in Fall XXXX & without advance notice to or the agreement of its members, XXXX XXXX ( now based at XXXX XXXX XXXX, XXXX, MA XXXX ) sold all its VISA credit card operations to Elan Financial Services, an independent firm based at either XXXX XXXX XXXX, XXXX MN XXXX and/or XXXX XXXX XXXX, XXXX XXXX MO XXXX ; and/or XXXX. XXXX XXXX, XXXX ND XXXX ; all of these addresses are listed as home of Elan Financial Services : the ND address per letters Elan sent to complainant ( see Exhibit B ), while on-line data sources give different addresses. Chronology : Upon first discovering transfer of what then seemed only credit card servicing from XXXX XXXX to Elan, complainant herein began emailing his own institution, XXXX XXXX, objecting to several aspects of the unapproved transfer, per email samples in Exhibits ; Elans replacement of XXXX XXXX as his managing bank, combined with vague on-line references to your financial institution which was absolutely NOT any school I had ever attended ; the new requirement of several additional time-consuming steps to access my VISA card account only via Elan ; Elans continuous nagging for income data from the complainant, with no opt-out allowed ( the only choices were to provide income to Elan now or later ) ; the poor reputation of Elan Financial judging from a long stream of very bad internet reviews ( per sample, Exhibit 7 ) ; improper failure of XXXX XXXX to consult its membership and account holders about credit cards being transferred to Elan ; lack of any real XXXX XXXX explanation regarding Elan ; and, in general, violation of prudent man rules. { My attempt ( per Exhibit 6 ) to exclude XXXX XXXX from these complaints failed after complainant later found out, only from Elan ( per exhibit B ), that XXXX XXXX had totally misrepresented facts of the matter -- and in truth had actually sold all VISA card operations to Elan & not just transferred servicing. } FORMAL COMPLAINTS AGAINST XXXX XXXX XXXX XXXX & ELAN FINANCIAL SERVICES ( 2 ) Promptly, upon receiving a replacement XXXX XXXX VISA card in the mail from Elan Financial Services in XXXX, XXXX, complainant suspected that a fraud was occurring, since he got no advance notice or information from XXXX XXXX that their VISA credit card operations were being changed in any way ; due to his serious security concerns, complainant called Activation Number on new card to find out if it was actually an XXXX XXXX VISA card, particularly as card # changed. Elan staff then assured complainant that their card was his new XXXX XXXX VISA, which they activated. XXXX Later, per Exhibit B, Elan tried to distort topic of this call. ) At that point & only after first ignoring his several member complaint emails, XXXX XXXX, interim CEO of XXXX XXXX, finally replied by email and proposed calling complainant on XX/XX/XXXX to supposedly listen to his issues and also reassure him as to Elans role. Her colleague was also on that phone call, which went reasonably well -- but to the best of complainants knowledge, he was never told that his own financial institution, XXXX XXXX, had sold all XXXX XXXX VISA card functions to Elan Financial Services a sale of which he had not been informed, and to which he has never, ever consented. Status and Needed Actions : After many more months, none of the specific recommendations from complainant, a former professor of money and banking et al., which the XXXX XXXX CEO stated would receive serious consideration, have been implemented. Further emails to XXXX XXXX CEO XXXX over the next four months have produced zero positive result in terms of XXXX XXXX taking any responsible, corrective actions in support of its own members. Nor have several communications to the XXXX XXXX Board received any response, let alone any action ( See Exhibit 9 ). Rather, Interim CEO XXXX has tacitly supported Elans incompetent & negligent misconduct by failing to properly notify XXXX XXXX members of the specifics of the transfer of VISA cards to Elan ; by failing to take any useful or constructive corrective actions with Elan as part of that sale/transfer ; or even providing, upon repeated requests of complainant, any direct email address for Elan Executives or for their Corporate Level itself. Further, complainant has zero evidence that his issues were seriously considered by the XXXX XXXX Board ; nor is any information on communicating with Board Members provided by XXXX XXXX. Elan Financial Services claims, per their letters of XX/XX/XXXX and XX/XX/XXXX ( Exhibits B, C ) that Elan is now the sole credit grantor and decider as to XXXX XXXX members credit status and worthiness & that XXXX XXXX makes no such decisions : an abdication of XXXX XXXX responsibilities to its own members, without our consent, as we were not consulted, and never agreed, to transfer of our own VISA card to Elan Financial Services ; nor has the XXXX XXXX Board provided any evidence ( per Exhibit 9 ) of its consultation or agreement. RECOMMENDATIONS, REQUIREMENTS, AND RESOLUTIONS : 1 ) FOR XXXX XXXX XXXX XXXX : Immediately establish a RESPONSE UNIT to handle XXXX XXXX member concerns promptly, expeditiously, and substantively. Fill its long-open CEO position with an outside banking professional within 30 days. Provide its Board contact information clearly on its website and by mail. Implement a full independent audit and review of the transfer of its VISA credit card operation to Elan Financial Services ; and promptly implement any and all recommended steps to achieve credit cards representing XXXX XXXX, not Your Financial Institution, and meeting or exceeding all terms of prior XXXX XXXX cards ; otherwise, prompt reversal of the awful XXXX XXXXELAN FINANCIAL relationship as to VISA card issuance, for cause & in best interest of our XXXX XXXX XXXX XXXX. In addition, XXXX XXXX must cease allowing ELAN FINANCIAL SERV. TO SEND FALSE/MISLEADING EMAIL OFFERS TO XXXX XXXX MEMBERS BY PRETENDING TO BE THE XXXX XXXX ITSELF! 2 ) FOR ELAN FINANCIAL SERVICES : Immediately cease and desist from all misleading and false representations as to ELAN credit cards actually being issued by another financial institution with which ELAN partners or is affiliated e.g. XXXX XXXX XXXX XXXX. A full audit of all ELAN credit card operations is urgently needed to review their rules and procedures as applied to credit cards they issue for other firms, or for credit card operations ELAN has purchased from other banks. ELAN must immediately implement full email communications for their customers and/or cardholders. DUE TO PAST HISTORY OF ABUSES PER EMAIL REVIEW SITES SUCH AS XXXX, ALL ELAN OPERATIONS SHOULD BE INDEPENDENTLY REVIEWED AND AUDITED FOR FULL FEDERAL AND STATE COMPLIANCE & ELAN TO BE SPECIFICALLY REQUIRED TO FOLLOW BEST BANKING PRACTICES & MEET PRUDENT MAN STANDARDS. | ||||||
| 07/25/2020 | Yes |
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| On XX/XX/2020, I sent the following letter to Fidelitys Office of the President regarding the closure of my credit card account : My name is XXXX XXXX, and I was recently fortunate enough to be approved for Fidelitys Rewards Visa Signature credit card. I am absolutely thrilled. I felt that at my other bank, my priorities werent being considered and that their rates were too high and wait times to talk to someone too long. Meanwhile, with Fidelity, Im just in love with how I can view not just one account, but my investment, credit card, and other accounts in just one online profile! That really takes the hassle out of my day when I can see my finance accounts in one place. And I shouldnt even get started on your brokerage investment platform, because I could just go on and on about all the amazing gadgets, tools, and products available to me! And with the credit card, Im somehow getting 2 % cashback ( I dont know how you guys are able to do that, but thank you! ), I have an interest rate way lower than I used to get at my old bank, and I read that you can actually have your cashback rewards redeemed directly into your fidelity brokerage account! I dont think it could get any better than this because Fidelitys terms are perfect. But I have encountered a pretty big problem, which is why I write to you all. So, this is what happened and this is my understanding of the issue we have going on. I made a large purchase at XXXX ( I think on XX/XX/XXXX ) because I had to buy a whole bunch of household things ( like this one cute microwave, a comfy tent to go camping in my states wilderness parks, and a tow hitch so I can finally tow a trailer on road trips, etc. ). Thing is, initially my card got declined, and I received a call to verify the transaction. I figured that made perfect sense. I mean hey, my account with Fidelity is new, Im making a big purchase, and your fraud team just needs to verify its me whos making this huge purchase. So, I talked to Fidelitys card team on the phone and was able to clear it up. Then, ( either the same day or the next day, I cant remember ) I again had to make a big purchase but at XXXX XXXX. This time I had to pay for some of my prescriptions and over the counter medications, as well as a big stock of health products ( like the shampoo I use ) since Ive been running low on everything since a few weeks after COVID hit us hard in Mississippi and around the country. I also had to verify this transaction too, so I spoke with another Fidelity team member on the phone and everything seemed like it was alright. But then I was transferred to a gentleman in a department I cant remember the name of ( sorry! : ( I know that would help ) and he told me there would have to be a manual review of my account. I figured this was alright too, though he did let me know I couldnt buy my stuff at XXXX at that time. It was a bummer, but I thought it was all reasonable and justified given the large purchases and me being new to you all at Fidelity. However, about a week later I called back in to check on my account ( I had tried to buy lunch and something on XXXX but it kept getting declined ). I found out that my account had been permanently closed because I was a suspected victim of fraud. To be frank with you guys, my heart nearly sank. Over the span of that conversation, I felt like I kept getting more and more bad news. I say that because it seemed like your credit card team just needed to verify my receipts at XXXX and XXXX ( or at least the attempted one at XXXX or the receipt from the other card at my old bank I had to use to pay for the medication ). Im not really sure, but it kind of sounded like the fraud people wanted to see that I wasnt buying anything like gift cards and getting trapped into a scam. The problem was, I didnt keep either of those receipts XXXX and against my Moms advice, too-I definitely shouldve listed to her all those times she told me to save them! ), so I would have to see if XXXX or XXXX could reprint them. By the way, on a little side note-I actually extremely appreciate Fidelity having my back with this stuff and verifying transactions with me to make sure Im not a victim of any kind of credit card fraud. Ive had family members fall victim to identity theft and from what theyve told me, it was simply unbearable. Furthermore, I dont think my old bank really cared about security and watching out for its customers at all. One time I called in advance because I had to buy an expensive generator and thought they might flag it, and the person on the phone said it wasnt necessary because their system lets just about anything through. Isnt that crazy! Anyways, they were a pain to deal with. But back to my issue at XXXX and XXXX. I was again hopeful I could get all this sorted out and be able to reap the benefits of being with Fidelity and their great terms until both XXXX and XXXX said they would not print any receipts or copies of receipts for me. It really made no sense. I offered to show my ID, to show my Fidelity credit card to them, but with no luck. I called both of their customer service peoples and went in person to the stores but always got the same vague response about security or customer privacy when I asked. I dont know what the big deal is seeing as how theyre receipts for my purchases, you know? Nevertheless, they wouldnt give me anything. Everything puzzled me and I had no idea what to do, which was why I gave you all at Fidelity a call today ( XX/XX/XXXX ) to see what else I could do to help Fidelity and unfreeze/reopen my account. I spoke with a woman who unfortunately said that Fidelity really needs those receipts to make sure Im not a fraud victim. It was like I was backed into a corner with nowhere to go. And I definitely didnt want to go back to my old bank, thats for sure. But the wonderful lady I spoke with said I actually could write to Fidelitys high up Office of the President to request some kind of appeal so that I could use my card again. From my understanding, she said I would have to do what Im doing now as this would be my only recourse/avenue for trying to maintain my card account with Fidelity. So thats exactly what Im doing now, and what Im trying to accomplish. The thought of me going back to my old bank fills me with nightmares, let alone knowing that I found an amazing financial institution like Fidelity that cares about and watches out for me and I lost my relationship with them because of a big confusing mess. Therefore, I am respectfully asking you all at Fidelitys Office of the President to look into my file/account to see if I can have my account closure appealed. I guess thats all there is I have to say right now, but lastly, I want to wish your executive office and all those at Fidelity good health in these crazy times right now. I know Im finding immense comfort in staying close to my family as we have to stay inside and face a global pandemic together. Thank you for reading my letter and thank you for your time ( Im sure you guys are swamped right now! ). Thank you again. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Today, XX/XX/2020, I received the attached letter in response. However, I was expecting more information in response to my complex situation than just mentioning a short paragraph that allows Fidelity to close my account at any time. I tried to call in today at XXXX XXXX CT, but the Supervisor ( I believe in the general customer service department ) I spoke with couldnt or wouldnt give me any more information either. Im submitting this complaint because the letter I received in response to mine clearly didnt detail what happened and why Fidelity closed my account. | ||||||
| 05/16/2023 | Yes |
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| On XX/XX/XXXX it became evident to me that I had been in communication with a US Bank loan officer who is not authorized to handle my application and whose status as loan XXXX is not active. I had sent many personal financial documents about myself and my husband 's personal finances and my husband 's business to his US Bank affiliated email address. The US Bank representative I spoke with in regards to my concerns- XXXX XXXX XXXX me that no one has access to said personal information because the email I sent these documents to is a protected US Bank email address that no one has access to. This information is incorrect as the officer in question had communicated with me and responded to emails from said email address and clearly had access to our private information. I am concerned for the privacy and safety of my own and my husband 's personal and business information that is in the possession of a person who is unauthorized to handle this information and whose intention is not clear. I am concerned about retaliation by said individual for filing this complaint, as he was in violation of the law. I am concerned about the mishandling of this situation by the bank 's representative, XXXX XXXX by providing me wrong assurances of our information 's safety. I am also concerned about why they allowed an unauthorized officer access to a supposedly protected email address. I believe we have been disadvantaged by the time wasted communicating with an unauthorized loan officer and by the time wasted figuring out the situation we were in and how to handle it. US Bank indicated they are unwilling to honor the information provided to us by by the unauthorized officer and that we would have to start the application process from scratch. Throughout this time interest rates had substantially gone up and we were unsettled about the safety of our information and how to proceed. Here are the details below : on XX/XX/XXXX, was my first contact with US Bank and the region 's construction specialist : XXXX XXXX, using his US Bank affiliation. I spoke with XXXX XXXX on the phone ( XXXX ) in regards to the application process for a construction-to-permanent loan with US Bank for myself and my husband. We discussed the application process and required documents. I received an email from XXXX XXXX US Bank email account ( XXXX ) detailing said process and required documents. On XX/XX/XXXX I responded to said email indicating we have the required documents and are ready to begin the loan process with US Bank. From that point through XX/XX/XXXX, I was in contact with XXXX XXXX through phone, text and email. I sent him the documents he indicated were needed to his US Bank email address and confirmed they were received. At no time did he correct his email or inform me of his non-fiduciary duty with US Bank. By virtue of him using and accessing his authorized US Bank account, he was representing the bank. Towards the end of XX/XX/XXXX, XXXX XXXX became less responsive and I became suspicious. Because of this, on XX/XX/XXXX, I called the US Bank XXXX XXXX branch ( XXXX ) and mentioned I had been in communication with their loan officer XXXX XXXX. They asked to know when this communication took place. They informed me that he is on the roster, but is currently on leave and not at the office. I informed them I am currently in communication with XXXX XXXX and that he has many private financial documents about my family. I asked why he is handling my application if he is on leave. I was told they can not answer that. I was advised I am to receive a call from XXXX XXXX, a construction specialist who can take care of the loan application moving forward. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX ID # XXXX ( XXXX ). He informed me he can not divulge information about XXXX XXXX 's status. He gave me information about the construction loan application process and requirements with US Bank. Some of the information provided was at odds with the information XXXX XXXX had provided in regards to the loan process and the requirements. On that same day, I received an email from XXXX. On the email the following addresses were XXXX XXXX : XXXX & XXXX. in the email, XXXX XXXX informed me that he has briefed XXXX XXXX, XXXX XXXX XXXX District Manager about my concerns in regards to XXXX XXXX and that she had escalated my case and will reach out to me either later that same day or the following day. On XX/XX/XXXX, I received a phone call from XXXX XXXX ( XXXX ). I asked for permission to record the call and was denied. She confirmed that XXXX XXXX is on leave and not at the office. She mentioned he should not have access to his email as he is not at the office. I mentioned that he is still in contact with me. She said she could not divulge information about his status and the reason he is handling my application without discussing it first with the legal department at US Bank. She informed me that I would receive one year of access to identity protection services paid for by US Bank. She said she would follow up on my concerns after talking to the legal department the following week. I asked for identifying information about her and she identified herself as the " mortgage branch manager '' and provided the following NMLS ID : XXXX ( incorrect ). On XX/XX/XXXX, I called XXXX XXXX ( XXXX ) asking about our application process. He informed me he wasn't cleared to handle our application as our case was in escalation and suggested I spoke with XXXX XXXX. He provided me with further information on the loan process. On XX/XX/XXXX, I received a voicemail from XXXX XXXX ( XXXX ) saying she " ... is still waiting to hear back on the information, so that we can get you going in regards to what we spoke about ... ''. She mentioned she is touching base and letting me know she has no answer yet and will let me know when she does. On XX/XX/XXXX, I called XXXX XXXX ( XXXX ) asking if he had been cleared to handle our application already. I asked for XXXX XXXX 's XXXX ID and was provided the following : XXXX ( correct ). On XX/XX/XXXX, I received a voicemail from XXXX XXXX ( XXXX ) saying she is touching base in " ... regards to the credit protection. I got some information for you on that piece of it. And good news, there is no danger or anything with regards to the documents. They are secured. I have spoken to and escalated this above. Give me a call back regarding the credit protection and how to proceed with that as well as proceeding with your loan ... '' On XX/XX/XXXX, I called XXXX XXXX ( XXXX ) to follow up on her latest voicemail. I asked for her consent to record the call and was denied. She mentioned she escalated the situation to the Privacy Protection Department and said they advised her that the information/documents I had sent to XXXX is protected because it went to a US Bank email address. She said the information sent to that email address has not been touched, that nobody has that information and that nobody has access to it. She said that no one has retrieved the information, and that XXXX does not have access to it. I informed her that he has responded to me via that email. She asked to know when. I mentioned I would have to check my records and confirmed that it was recently. She informed me that the Privacy Protection Department will pay for two years of credit protection. She mentioned that XXXX XXXX is now cleared to handle our application. She said that there is no application or information for me on file at US Bank ( including none of the information I had sent to the US Bank email address ) and that we would need to start from scratch. | ||||||
| 09/18/2017 | Yes |
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Web | Older American |
| FACTS IN BRIEF : I took out a U.S. bank auto loan, dated XX/XX/XXXX, in the original loan amount of approximately {$11000.00} to purchase a used car ( attachment 1 ). The seller also had a U.S. Bank auto loan that was paid off with my new loan. Erroneously, the bank issued the title to the car to the seller, free and clear of all liens, instead of to me with the bank as the lienholder, therefore wiping out both their interest in the car and mine ( attachment 2 ). When I made the bank aware of their error, they did nothing to correct it. Then on XX/XX/XXXX, they sent me an email, asking me to bring them the title to the car so they could perfect their lien and protect their asset, even though they knew that they had issued the title to the seller ( attachment 3 ). The seller died within days of my discovering that the bank had erroneously issued her the title free and clear of all liens. I never took possession of the car because I could not get title to it and register it in my name and get insurance on it to protect my asset. FACTS IN DETAIL : I received the auto loan agreement in the mail in an envelope dated XX/XX/XXXX ( attachment 4 ). I did not know that the loan had closed until then, even though the loan is dated XX/XX/XXXX, an unreasonable twoXXXX month lapse. The seller had someone drive the car from California to my home in Arizona so I could register it here ; but when we went into the motor vehicle department, we were told that we did not have the necessary paperwork to register it. All that I had received in the envelope dated XXXX XXXX was a copy of the auto loan agreement in attachment 1. We went into the bank and were told that the title would be coming in the mail to me in the next few weeks. Since I did not have title and could not register the car in my name or get insurance on it to protect my asset, as I said, I did not take possession of the vehicle. In XXXX, three months after the close of the loan, the free and clear title to the vehicle showed up in the sellers name and mailbox. I notified the bank of their error, and as I said they did nothing to correct it. The car was severely damaged while parked in the sellers driveway when a tree fell on it, caused by heavy winds during a major California fire that lasted from XXXX to XXXX. The seller died XX/XX/XXXX. As a lienholder on a loan banks always protect their security interest by requiring insurance on vehicles before they pass title to them ; but the bank did not do this because they made an error and passed title to the seller, free of all liens. The loan payments are current and are being automatically deducted from my U.S Bank account monthly in the amount of {$200.00}. I signed up for auto draft to get a reduced payment. I have several accounts at U.S Bank and if I close the account to try to stop them from deducting my payment, they can deduct it out of another account. My husband and I are XXXX XXXX XXXX, and therefore rely on our good credit rating. We have XXXX XXXX XXXX and their attorney at XXXX XXXX sent three demand letters to the bank asking them to rescind the note, refund my payments, and report to the credit agencies that the loan was paid as agreed and in full since they erroneously gave away both the banks interest in the vehicle and mine to a third party ( attachment 5 ). In response to the attorneys demand, the bank issued a letter dated XX/XX/XXXX, stating that the transference of the title to the vehicle was the seller and buyers legal responsibility ( attachment 6 ). This would be the case if it were an unsecured loan. The loan agreement in attachment 1 clearly states that the vehicle, a XXXX XXXX XXXX XXXX is the SECURITY INTEREST FOR THE LOAN. This means that the bank should have been listed as the lienholder on the title. The bank was holding the title and erroneously issued it to the seller, free and clear of all liens. It was not the legal responsibility of the seller and buyer to establish the bank as the lienholder on the loan, secured by the car. It does not even make good business sense for a bank to shift the legal responsibility of transference of the title to the seller and buyer and entrust them to put the bank on title as the lienholder after they have paid out the funds on the loan. Furthermore, the bank is legally responsible to issue me free and clear title once I pay off the loan, secured by the vehicle, which they will not be able to do. After I received this letter from the bank, XXXX sent me to an outside attorney since they will only represent me as a defendant in a case. The outside attorney sent two letters and made several phone calls, requesting someone at the bank contact him ( attachment 7 ). No one at the bank has contacted him and he is now asking for {$10000.00} to enter into a lawsuit on a loan with an original loan balance of approximately {$11000.00} ( attachment 8 ). Bank attorneys know that no one can afford {$10000.00} in attorneys fees to fight an {$11000.00} loan. So even though they are well aware at this point of their error, they do not have to respond or resolve it. They just keep deducting the payments from my account. We finally had to purchase another car. Coincidentally, our new auto loan was placed with U.S. Bank. However, on this loan the bank is holding the title to the car until the loan is paid in full. They did not erroneous issue it to the seller, free of all liens, relying on the seller to transfer it to us and put the bank on the title as the lienholder after the funds were released. Additionally, the bank required us to have insurance so their asset was protected from loss. Banking rules, regulations and procedures are supposed to be the same by law for all customers. The banks error has put me in a financial hardship, trapped in debt with a loan secured by a vehicle that was damaged and that they gave away to a third party. Their error has me paying on a car that I can never own and would not want to own at this point. U.S. Bank touts as their registered trademark on their online banking site and in the signage in their banks : Were proud to be named a XXXX XXXX XXXX XXXX XXXX. I do not know what group gave them this name ; they do not say ; but if I knew, I would send them a copy of my complaint. The bank is certainly not being ethical in dealing with me. They are well aware of their error and are defrauding me by making me pay for a vehicle that they gave away to a third party and are ignoring my attorneys attempts to contact them. I am desperate and have exhausted all of my limited resources and am seeking immediate relief and your help to resolve the financial entrapment the bank has me in. Can you help me please? Thank you. LIST OF ATTACHMENTS 1. Loan Agreement between U.S. Bank and XXXX XXXX, the borrower, secured by XXXX XXXX XXXX XXXX. 2. Title sent to seller, XXXX XXXX, with letter from U.S. Bank, stating it is free of all liens. 3. Email from XXXX XXXX, assistant Vice President and Branch Manager of U.S. Bank dated XX/XX/XXXX, asking me to bring in the title so the bank could perfect their lien. 4. Envelope dated XX/XX/XXXX, which contained the loan agreement dated XX/XX/XXXX, in attachment 1. 5. 3 demand letters from the Attorney at XXXX to U.S. Bank. 6. Response letter from U.S. Bank dated XX/XX/XXXX, stating that the transference of the title to the vehicle was the seller and buyers legal responsibility. 7. 2 letters sent from Attorney XXXX XXXX to U.S. Bank, requesting someone to contact him. 8. 2 emails from Attorney XXXX to me, regarding his inability to get a response from the bank and that it would costs me {$10000.00} to fight them. | ||||||
| 07/15/2021 | Yes |
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| Gift card purchased on XX/XX/2021 at XXXX, XXXX XXXX XXXX, XXXX, and loaded with {$500.00}. First tried to use at pet store in XXXX XXXX, ( XXXX XXXX XXXX ), on XX/XX/XXXX but magnetic stripe would not read, so just used different card and assumed problem with card reader. Tried to use at XXXX 's gourmet meats on XXXX XXXX on XX/XX/XXXX, but cashier said not enough balance available. Immediately went online to check card balance and saw there was a transaction on XX/XX/XXXX for {$490.00} at a XXXX in XXXX, Ca. at XXXX that same day. Called visa gift card company to file a dispute and called credit card company used to pay for gift gard, XXXX XXXX, and reported fraud. It seems card was tampered with before it was purchased at XXXX in XXXX ( they are accessible to customers ), and card was cloned and used in person by perpetrator at XXXX in XXXX once they saw available balance. After countless hours spent on the phone with Visa, XXXX, XXXX, police department etc visa dispute department have finally issued replacement card and sent letter on XX/XX/XXXX stating it was an error ( which is wrong, there was no error, there was theft ) and the amount was credited back to me in the form of the new visa gift card that was registered to my name. Ive received new gift card on XX/XX/XXXX which wasnt active. Called visa, for some reasons they told me to wait 5 business days for the card to get activated. They also mentioned that I can check this information online. I called again on XX/XX/XXXX since the information online was unavailable to me. They told me to wait till XX/XX/XXXX which would mark 5 business days and the card would definitely start working. On XX/XX/XXXX XXXX as my card is still inactive ) I called visa again. Was now given another number to call which is XXXX XXXX XXXX XXXX XXXX and told that they would be able to resolve the issue. When I called I realized this was XXXX family meaning XXXX. After I was able to get someone on the phone was told by XXXX representative to call visa at XXXX XXXX XXXX XXXX XXXX because visa is the one who issued and mailed my new gift card and they are the ones who should be able to help me out. So I called this number given by XXXX and again I was told by visa to call XXXX. I mentioned that I already did and they told me to call visa because they have nothing to do with the card issued by visa and not purchased at their store. Then I was put on hold, after representative came back I was told that there are actually no funds on the card any more and the decision was reversed. I asked why was the decision reversed, where was my paperwork with the explanation of why the decision was reversed and what was it based on after the initial letter stated that my account was credited {$500.00} and the dispute was considered resolved and the case closed. The representative on the phone then involved supervisor who now said that XXXX is the one who took the money out from the second gift card issued by visa on XX/XX/XXXX. I asked how was it even possible and how do they even have the information if they have never been in the physical possession of this card ( since it was mailed to me XXXX and the supervisor replied that they just do have this information and I have to call XXXX and resolve it with them because visa cant do anything about it. Thats all the information they have. I was also told that XXXX would be able to reload the card ( even though it says A ) the card is non-reloadable and B ) why would XXXX reload the card that was issued by another institution? Its equivalent of going to XXXX and asking them to reload XXXX XXXX credit card! ). What kind of nonsense is that? After that I called XXXX for the third time that day and told them exactly what visa said ( that XXXX took out my money on XX/XX/XXXX ). The representative at XXXX explained that there is no way for them to have this information since the gift card was issued and physically mailed to me by visa, it wasnt purchased at the store. The card is also registered to my name and XXXX has nothing to do with this situation. They also said that visa notified them that they issued a replacement card for me and closed the case since the issue was resolved and I said it isnt true, because the issue isnt resolved, I was mailed replacement card that isnt working, I was mailed a letter by visa saying my account was credit the amount that was stolen from me except I still dont have my money and both XXXX and visa keep blaming each other. Although at this point it appears to me that XXXX is correct and they have nothing to do with the gift card that was issued and delivered by mail by visa. It also makes no sense why would the card be even active on XX/XX/XXXX? According to visa once I receive the new gift card I would have to call them to active it ( which is how pretty much every credit card works once you receive it in the mail ). So if I havent received the card until XX/XX/XXXX and it was inactive on XX/XX/XXXX and is still inactive as of today, XX/XX/XXXX, how was XXXX able to withdraw the amount on XX/XX/XXXX even if they somehow magically were able to get a hold of my new card? I called visa one last time on XX/XX/XXXX in the evening and the person on the phone gave me the number what he claimed to be their higher department. This was XXXX number again! I said you dont even know that the number you are giving me isnt your higher department, how would you even know what is going on with my case? Asked for supervisor one last time and now was told that they escalated the issue again to their back office, the one who said to call XXXX. I asked to talk to that back office or at this point anybody else who could tell me what is really going on? Supervisor said I cant talk to these people, all they can do is escalate this matter again which is going to take another 5 business days. Also considering their track record how do I know in 5 business days they wouldnt come up with some other excuse? At this point Im so frustrated and fed up with inconsistency and lies. This people shouldnt even be in business if this is how they handle theft. I would like visa to mail me new gift card ASAP that is registered to my name and is actually working with available {$500.00} on it ( the amount that was initially stolen from me ) rather then playing these games instead of doing the right thing while the scammers are running free. It appears to me that at this point after the dispute was resolved and the new card issued, the problem is with visa department, they issued the card that is invalid. Since there is no higher department I can call, no number other then the one Ive been using ( provided in this complain ), no follow up email ( in 2021 this company only uses fax or USPS ) I have no choice, but file a complain. According to visa the issue was resolved and the amount credited to my account on XX/XX/XXXX, yet today is XX/XX/XXXX and nothing is resolved and my money is still missing. I also would like CFPB to look more into this because of what this company does to the consumer. Is there actually fraud going in within visa itself? How many more people are going to become victims of this ongoing scam and how much more money would be stolen from law abiding citizens?? These are the reference codes for my conversations : Visa case number - XXXX XXXX code - XXXX ( at the beginning in the dispute ) XXXX XXXX digit code - XXXX XXXX reference number from the conversation on XX/XX/XXXX - XXXX Attached is also all my paperwork filed with them and police report. Please let me know if you need further information. Thank you for your help. XXXX XXXX | ||||||
| 08/05/2021 | Yes |
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| Synopsys : After notifying my bank, US Bank, that I had been defrauded {$1200.00} via a wire transfer from a scammer who had stolen over XXXX Bitcoin ( {$1.00} mil. USD ) it took my bank 30 days to get me a letter to sign so the other bank could return my funds. Not only did I lose my entire income from XXXX, but the scammer is still stealing from people via Bitcoin. Here 's the story ... On XX/XX/XXXX, I made a wire transfer of {$1200.00} from my bank in Iowa to a bank in South Carolina ( see image # 1 ). I was trying to purchase product at wholesale price to sell on XXXX. The seller was verified twice on a website called XXXX. At first he tried getting me to wire the money from my Credit Card via two Bitcoin websites. Those transactions failed so I went with the wire transfer option instead. I thought he was legit, what else can I say? On XX/XX/XXXX, I realized I had been scammed and immediately contacted XXXX and US Bank. I followed all the instructions my banker, XXXX, told me to do, including filing a report with my local FBI office. I also contacted the bank in S. Carolina and talked to the manager, XXXX. I told her that her institution was being used by a criminal who was using her bank for fraudulent wire transfers. After talking to her a few times I was reassured that the fraudulent funds were on hold. She did not tell me they were only on hold for a limited time only. On XX/XX/XXXX I was called in by my bank to sign something called a " hold harmless '' letter ( see # 2 ). As I will prove later, US Bank had already received this letter for me to sign on XX/XX/XXXX. XXXX, the person handling my wire fraud claim, sat on this letter for two weeks. A few weeks later I called my banker for an update. I got a voice mail later saying she was going on vacation and my money was gone. Needless to say, I flipped XXXX XXXX out! Since my banker was on vacation, I called the scammers bank and yelled at XXXX. She said it was out of her legal control to be able to freeze the funds in the account, and that the scammer had withdrawn MY MONEY and had closed down the account. What a waste of energy! So, this is when my nightmare began. I will spare you all the details. I have contacted XXXX with no response, the FBI with no response, the local police department in XXXX XXXX with no help, XXXX XXXX XXXX which charged me {$40.00} to tell me I would have to go to trial and pay them lots of money to get my {$1200.00} back ... Sigh. As a matter of fact, when I first called my bank on XX/XX/XXXX, the receptionist, XXXX, told me I couldn't come in immediately because of Covid. I showed up in two minutes, tried calling three times with no answer, and I ended up having to wait at the front door for someone to leave before I could enter. The apathy regarding this event was palpable. I have a new found hatred for banks, bankers, and all the scum that works for them. On XX/XX/XXXX, I received a reply from US Bank via a complaint I filed via the XXXX ( see # 3 ). The response stated that on XX/XX/XXXX US Bank received a hold harmless letter that needed to be signed by me. If you remember from above, I signed this letter on XX/XX/XXXX. XXXX from US Bank sat on this for two weeks! The XXXX response then goes on to say that on XX/XX/XXXX US Bank received the signed letter. That is a lie! I had talked to my own personal banker XXXX the next day ( XX/XX/XXXX ) to make sure she sent the letter to XXXX! They had my signed letter on XX/XX/XXXX, not XX/XX/XXXX! The XXXX response then goes on to say that after they sent the letter to the S. Carolina bank, the funds were gone ( implying it was my fault because I was the one who delayed the letter getting back in time ). On XX/XX/XXXX, I received a second reply from US Bank via the XXXX website reiterating that, " On XX/XX/XXXX, the receiving bank replied requesting a hold harmless letter be returned. You fulfilled this request on XX/XX/XXXX, at which time we returned it to the receiving bank. '' Again, this is an outright lie! I had the paper signed on XX/XX/XXXX. And again, I contacted my banker XXXX on XX/XX/XXXX to make sure she forwarded it to XXXX at the wire department! In full disclosure, after I signed the letter I did hand it off to XXXX. Perhaps XXXX sat on the letter and XXXX is lying to protect XXXX. I have no idea why XXXX disrespected me the way she did when I found out I had been robbed. I thought we had a good business relationship. To sum it up, it has taken me a great deal of time and energy to decipher all the lies told to me via the people at US Bank. Them telling me I " fulfilled this request on XX/XX/XXXX '' when I actually did so on XX/XX/XXXX was beyond infuriating! This was a simple problem and US Bank failed miserably! This is what I want : I want to know why XXXX refused to help me when I was frantic the day I found out I had been scammed. I was in the process of losing my first years profits working on XXXX, and at the same time I had to listen to her cackle with her customers at the drive up window for 15 minutes once inside while waiting for my banker. This was beyond unprofessional. I want to know why it took XXXX from XX/XX/XXXX to XX/XX/XXXX ( almost an entire month ) to get a signed piece of paper to me and back to the scammers bank! I want to know what XXXX and my own bank manager plan on doing to make sure this never happens again! I also want my {$1200.00} back! And if I can't get it back, I want to make sure this does not ever happen to anyone ever again! This was completely preventable, and only occurred because of the incompetence of a bunch of liars that work at US Bank! If this wire transfer was for {$10000.00}, and I lost it all, I could have done something really horrible, like blow my brains out in the middle of US Bank. This is no XXXX joke! Banks are supposed to protect peoples money. What happened to me was completely unacceptable. I have been with US Bank since they were called XXXX XXXX. After 30 plus years as a loyal customer I requested one simple favor, and they couldn't figure out how to get me to sign a piece of paper within 30 days. I have a XXXX near perfect credit score rating, I pay all my bills and credit card payments on time, and this is what I get in return? What a XXXX joke! The most infuriating part of this whole ordeal is that this outcome did not have to happen. It was completely preventable assuming XXXX and or people working my claim would have gotten the paperwork taken care of in a timely manner. And to top it all off, the head of security from the S. Carolina bank, XXXX, told me his bank sent a third notification to my bank on XX/XX/XXXX requesting permission to send back my funds with no response. I will add his contact information below. The scammers Bitcoin wallet ( XXXX ) to date has XXXX BTC in it. If you search XXXX for " XXXX btc to usd '' it shows XXXX Bitcoin equals {$1.00} million. According to : https : XXXX ... the scammer has continued stealing from people since he defrauded me. Here is a list of contacts if you are interested : XXXX XXXX ( my US Bank banker ) : XXXX XXXX ( wire department ) XXXX XXXX XXXX Wire fraud number / claim # XXXX XXXX XXXX XXXX ( XXXX XXXX / XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( scammer ) : XXXX XXXX XXXX ( XXXX ) XXXX-XXXX XXXX ID XXXX Bitcoin wallet ( XXXX ) Email : XXXX If you need more evidence such as screenshots of the conversation between me and the scammer please let me know. I hope you can help me. Thanks for your time. | ||||||
| 06/24/2021 | Yes |
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| I am a current customer of USBank for my home mortgage loan. I had my loan with USBank since XXXX and currently are experiencing the worst service I have ever received from a major bank. My loan has a deed on 2 names, my niece and myself. My niece is an XXXX Military in the XXXX, stationed in XXXX XXXX, VA, and I reside in California where the property is located. During the COVID-19 pandemic, I took advantage of the opportunity to skip few payments offered by the banks per the California Governor, the application was easy, just a quick short form, I was allowed to skip XX/XX/XXXX XXXX XX/XX/XXXX, then on XX/XX/XXXX, I called to get back on track and began making payments, I was told then they will add XX/XX/XXXX and resume my payments starting XX/XX/XXXX, and that is where the nightmare started. The issues started as follows ; I promptly received a loan modification document packet to get signed and notarized, came with an overnight pre-paid XXXX envelope to be sent back and fast processing, well that was not good. I noticed it had both names for a signature, my niece 's and mine, I only signed mine as she was not available and sent it back, then it got rejected. Since the first document packet was rejected because it had only my signature, I then told the loss mitigation department that my niece was stationed in XXXX XXXX, VA at the XXXX XXXX base and they told me that, they will send her a packet for her to sign and another identical copy for me to sign again. Both again got notarized and sent, only to be rejected yet again. The issue was that they wanted both signatures in one document, but we are on opposite sides of the country, and that is impossible. I requested them to re-draw documents with only one signature per packet and have my niece 's sign hers in XXXX XXXX, VA and I will sign the 2nd packet in California. Since late XX/XX/XXXX, I advised people at the Loss Mitigation department that she would be XXXX at sea on XX/XX/XXXX, for at least 8 months and that they needed to get this right and fast. Time keeps on going, my niece and I keep receiving identical copies as the ones sent prior and rejected, and I keep on calling over and over and being told different things time after time, finally on XXXX she had to leave on XXXX, she did have to leave me a Power of Attorney to sign on her behalf, I notified USBank immediately and sent it via e-mail to USBank to have it on file, they confirmed they receive it and look good. Ive been told it got the documents rejected because the Public Notary writes on the documents that only one signature is being notarized as only one person is present, and the loan processors immediately reject. Yet they can not get the right paperwork sent. Then on XX/XX/XXXX after exhausting calls for hours, I was told I would be receiving the correct paperwork, to wait and once received, sign, and sent since I had the power of attorney. But only for the entire process to come to a halt and stop at beginning of XXXX. Not only did it stop completely due to time expiration. But USBank had the nerve to contact all 3 credit bureaus for both my niece and me and report that we had 8 late payments, sending our credit scores low and affecting all of our finances. I had to contact all 3 credit bureaus, dispute the reports, submit paperwork, and prove that monthly mortgage payments had been continuously paid. I contacted USBank to get them to correct the reporting and re-open the modification, finally, at end of XXXX, one Senior Manager got the process re-open. USBank eventually corrected the credit report in XXXX, but not without causing me and my niece lots of stress and the risk of having credit card interest raised or closed credit lines. Once the process was re-open, I called almost every week, to check on the status of the paperwork. And time after time I was told it was in process and that I should wait a bit longer. During this whole ordeal, my monthly payment has increased not once but 3 times due to people 's incompetence at USBank. It went from {$2200.00} each month to {$2300.00}, then to {$2400.00} and this is because each time it has been XXXX with, the escrow for insurance and taxes falls short as they move the unapplied payments to the months behind. So, the loan modification keeps changing, it started with 8 payments to be added to the subordinate loan, now it is at 11 payments for the subordinate loan. Each time the payments only stop by request of USBank as they re-started the modification. ( XXXX was added again to the skipped list of payments per USBank ) After months of calls, and Notarizing and sending paperwork only to continue being rejected, there is a new twist on the problems. The new paperwork now includes a line for my wife to sign thats a new one, why? She is not on the Property Deed? But anyway I immediately called as spent almost 2 hours on the phone, going back and forth with the Loss Mitigation department and them checking with the Loan department. I asked for specific detailed instructions on how they wanted me to sign this and as a final set of papers. I was told they will re-draw the papers again to include verbiage that will specify that I have the power of attorney to sign for my niece, that line of verbiage was added to the line where my name show. I then received the packet on XX/XX/XXXX, again I had the document Notarized and signed as the instructions indicated nothing extra, the notary did write anything more than the Seal/stamp and signature required. No extra writing. Then on XX/XX/XXXX I received another packet. This time the verbiage was on my niece 's line why was this not done correctly? We again notarized and sent it the same day, received by USBank on XX/XX/XXXX. And on XX/XX/XXXX yet again I received a new packet identical to the one on XX/XX/XXXX. I again called Loss Mitigation, and after 45minutes they told me they have the last packet and they will see if it will work the new deadline is for XX/XX/XXXX, my wife is currently traveling ( I have proof ) and will be back on XX/XX/XXXX, if this paperwork gets rejected again and she is not here before XX/XX/XXXX the entire process will close again. Then today XX/XX/XXXX, at about XXXX XXXX, I receive a call from USBank telling me that the power of attorney was not recorded and they needed to be recorded. Wait what? How can I record a power of attorney without the person giving me that power? They had a copy of this document since XX/XX/XXXX and now almost 6 months later they realized they need something else So, not only have I wasted hours on the phone, stressed out, dealing with incompetent people, but I have paid the Notary each time {$15.00} per signature and I paid so far about $ XXXX, not counting my vehicle fuel, my time and time I had to leave my job to take care of this. This has affected me mentally with lots of stress, sleepless nights, and headaches, but I also economically as I lost the opportunity to refinance my loan to a lower APR and remove my mortgage insurance payment. As I was in the process to refinance the loan and remove the Mortgage insurance back in XX/XX/XXXX, only to be told by the lender that we had to wait for USBank to remove the forbearance and close the loan. I need assistance to get this to finally reach an end, I feel that no one in USBank cares anymore about customers, and I am disgusted with how USBank treats XXXX Military and their families. If this was my niece 's alone in this ordeal, I am sure she probably would have her credit ruined and lost her property thanks to USBank. I hope to end this now as it has been already 10 long months. | ||||||
| 09/23/2022 | Yes |
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| We had a mortgage serviced by US Bank. We decided to sell the home that was associated with said mortgage, found a buyer and had a closing date of XX/XX/XXXX. Our title company called us on XX/XX/XXXX and said when they were pulling liens on the property, they noticed there was one extra lien than what we had listed in our disclosure documents. Also, when the title company requested a payoff from XXXX ( who manages partial claims for HUD ), the dollar value in the payoff did not match the dollar value that we had listed in our disclosure documents. On XX/XX/XXXX, we called the lost mitigation department at US Bank and were transferred to a supervisor who discovered the issue. She said US Bank had made a mistake when we did a loan modification in XXXX of XXXX. Here was the issue : In XX/XX/XXXX we needed to do a loan modification due to covid. We were able to do a partial claim modification, where around $ XXXX was sent to HUD as a partial claim second loan and US Bank put a Partial Claim Deed of Trust on the property form the same amount. In XX/XX/XXXX US Bank contacted us and said they had made an error to the percentage rate listed in the XXXX modification, that our partial claim amount will be reduced to around $ XXXX, and they needed to REVISE the modification. They sent us a new packet which we signed and notarized and returned to US Bank. This is where the error occurred. When US Bank finalized the REVISED modification, they added a new Partial Claim Deed of Trust on the property for $ XXXX BUT never removed the Partial Claim Deed of Trust for the original modification amount of $ XXXX. US Bank also did NOT send the revised Partial Claim amount to HUD ( that is why XXXX was showing $ XXXX instead of $ XXXX in their payoff letter ). On that XX/XX/XXXX phone conversation with US Bank, the representative said that US Bank does Wishes to Do No Harm, would Rush the resolution so that we could still close on the house on XX/XX/XXXX. The representative said she would call us on Friday XXXX for an update, which she did ( US Bank still working the issue ). She said she would call us again on Tuesday XXXX, which she did ( US Bank Still working the issue ). She said she would call us every day to give us an update. She called on Wednesday XXXX ( US Bank Still working the issue ), did NOT call on XXXX XXXX nor did she call us on XXXX which was our closing date. I got on the phone early Friday XX/XX/XXXX to find out the progress. Our representative was not available but the customer service team would leave her a message to call us back. Our closing was at XXXX and US Bank never called with an update before closing. Luckily our title company was able to find a way to close so the new owners could take possession and we would not loose the sale of the house. The stipulation was that the title company would have to hold ALL of our proceeds in an escrow account until US Bank resolved the issue. I called US Bank again on XXXX after we closed and got ahold of a really rude supervisor who PROMISED either he or the representative that we had been working with would call us back that day. No one ever called. Between XX/XX/XXXX to XX/XX/XXXX I either called or our US Bank representative called us to get an update ( which was Still working the issue ). On Friday XX/XX/XXXX, our US Bank representative called and said they had finally resolved the issue! US Bank had received communication from HUD confirming the $ XXXX was an incorrect Partial claim amount and got permission from HUD to remove the partial claim deed of trust from the property. US Bank said to make things easier, we are going to absorb the $ XXXX into the original loan and provide a new payoff amount to the title company which they did. The due date for the payoff remained the same as the original payoff due date, which was the following Monday XX/XX/XXXX. We got in touch with our title company on Friday XX/XX/XXXX to share the good news. They pulled a new payoff from XXXX and looked at public records. Both the {$76.00} deed of trust was still on public record AND the XXXX payoff still showed $ XXXX. On Monday XX/XX/XXXX I called US Bank and our representative was out of the office. The other supervisors can not help with the case because only the supervisor assigned to the case can see all the notes and what departments and staff are working the issue. My husband called HUD directly to see where they were in removing the $ XXXX from their record. In order to reach XXXX, you have to call the FHA Resource Center who will then get a message to XXXX. The FHA Resource Center person said XXXX will respond within 5 business days. She also gave us an email address to HUDs partial claim department. On Tuesday XX/XX/XXXX I called US Bank. Our representative happened to pick up the phone. She said US Bank is in the process of drafting the letter to release the $ XXXX XXXX from public record. She did not have any information on the timeline for US Bank to complete said letter nor did she have a timeline for XXXX to remove the $ XXXX from their records. She also committed to calling us every day for an update. On Wednesday XX/XX/XXXX our representative called at the end of the day and had no new information. I sent an email to the HUD partial claim department, detailing the issue and asking they expedite our case. WE ARE CURRENTLY LIVING IN A CAMPER AT A CAMPGROUND until both US Bank and XXXX resolve their issues. Our title company will not release any funds to us until these resolutions are complete, so we have no money to put a down payment on a new property. On XXXX XX/XX/XXXX our US Bank representative did not call. Today, XXXX XX/XX/XXXX I called US Bank. They were not able to transfer us to our representative but they sent her an email asking her to call us with an update. It has been 23 calendar days, 17 working days since US Bank first admitted their mistake. It has been 5 working days since HUD provided permission to remove the $ XXXX lien from public record. If our case has been stamped with RUSH, WHY is it taking US Bank over 5 working days to fill out a template form to release the lien from public record! We, nor our title company, has received a copy of said letter, which our US Bank representative said they would email as soon as it was complete! US Bank admitted their error on Thursday XX/XX/XXXX. We closed on our property on Friday XX/XX/XXXX. It is now Friday XX/XX/XXXX OVER 3 weeks to resolve this issue. Why is it not resolved? We did our part and paid off our US Bank payoff by the due date of Monday XX/XX/XXXX. US Bank IS DOING US HARM by not resolving their mistake. US Bank should be able to provide a timeline/due date on when they would get their part resolved. They should also provide a timeline/due date on when HUD would remove the incorrect $ XXXX from public record. This whole process has been totally unacceptable. US Bank will NOT give us the contact information for the department actually making the correction. HUD will NOT give us the contact information at XXXX who would be removing the incorrect $ XXXX partial claim from record. We need to know when these issues will be resolved so we can make future plans. We are in limbo until these issues are resolved. Thus far our credit scores have gone down XXXX points. Creditors are calling every day and we are building up additional interest and late fees on said creditors ( which we were going to pay off with our house proceeds ). Any help to get this issue resolved BY THE END OF THE MONTH ( XX/XX/XXXX ) would be greatly appreciated! | ||||||
| 02/23/2022 | Yes |
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| I have attempted to work with US Bank Home Mortgage since XX/XX/XXXX. My son has a mortgage through US Bank. My son has entered a treatment program after suffering from XXXX over the death of his older son. I have Power of Attorney in order to get his affairs in order while he is in treatment. My first contact was around XX/XX/XXXX. I explained the situation to the technician and she stated she could not provide any information until the POA is received. The POA was uploaded into their system XX/XX/XXXX. Afterwards, I made many phone calls and spent hours on the phone because the POA was not getting " approved '' in the US Bank system and no one could provide me information until they could " view '' the POA. Eventually, after weeks of trying, a sympathetic technician escalated the POA to get posted/reviewed/approved. I was then instructed to fill out the application. I requested it be mailed to me, twice, and finally ended up downloading it offline due to never receiving it. Eventually, the POA made it through the system. I changed email contact, phone number, and mailing address. This also took several attempts to complete. To this day, I still do not receive the mail at requested address. In addition to that, it took 6 separate attempts and many hours on the phone to get the verification phone number changed so I could access the online portal. Every process has required my ability to get a sympathetic technician on the phone who would escalate the request. Starting in XX/XX/XXXX, the process became even more frustrating. A letter was received ( not at requested mailing address ) XX/XX/XXXX listing XXXX XXXX as the assigned relationship manager. The letter provided her contact phone # and extension. To this day, I have made at least 40 attempts to contact that number and the system states the party is unavailable and no option to leave voicemail. I have called back and would always get another technician who would try to assist. XX/XX/XXXX letter from US Bank stating the application was received and determined incomplete. The letter was requesting information. I submitted a letter " Explanation of facts in response to US Bank letter XX/XX/XXXX '' as well as requested forms and documents : bank statements, paychecks, and completed forms, through email to XXXX. I received automated confirmation email that the items were received. Then I heard nothing. I called and spoke to a technician days later to get a status update. Again, after spending XXXX hours on the phone, being transferred several times, I luckily found another sympathetic technician who was able to help me get online to access correspondence the bank was sending. The letter dated XX/XX/XXXX stated the " US Bank has received you loss mitigation application. We have determined your application is facially complete** We received the complete application XX/XX/XXXX. We determined additional documentation is needed to complete our review because previous documentation received may have been incomplete or insufficient ''. I promptly responded and uploaded a document and explanation for " Non-burrower income option 2 '' on XX/XX/XXXX titled " Response to US Bank Letter XX/XX/XXXX ''. I also had to compose and submit a separate response to provide explanation for " Contributor and Occupancy '' information. I then waited. I heard nothing. Received no mail or any documents in the portal. In this time I spent a lot of time trying to get IT department to reset the verification phone number so I could use the app. I can tell you this was several attempts and finally an escalation to get it done. After hearing nothing since XX/XX/XXXX response, I phoned again. Spent another XXXX hours on the phone XX/XX/XXXX with XXXX then transferred to XXXX. I explained for the hundredth time the situation and circumstances. They made notes and said they could see it was under review. I phoned again XX/XX/XXXX and spoke with XXXX and she was the one who escalated the XXXX request to get verification phone completed. She then transferred me to mortgage so I could get update on status. I was transferred 4 different times. I finally got a technician who stated he could see they were requesting XXXX more item of explanation. Mind you, I received no written request or email for this request. He stayed on the phone with me and dictated what they were asking for as I typed it. I uploaded the letter of explanation XX/XX/XXXX. Then I waited. I received nothing : no letters, no request, no phone calls. On a side note, I now get spam calls from the US Bank phone number I have saved in my phone as US Bank Mortgage. They ask for a shortened version of my sons name and when I ask for verification they hang up on me. This is also frustrating. On XX/XX/XXXX, I phoned again to get update and spoke with XXXX in loss mitigation. She was confused as to why the application was still asking for things ( unbeknownst to me ) as she could see I had everything in the system. She said they are asking for explanation on occupancy. I informed her I uploaded that weeks ago. She confirmed she could see the documents I uploaded and that they were very detailed in explanation. She said she would ask me a couple questions and would type in my responses then escalate seeing as the application is complete. I heard nothing for weeks again. I called yesterday, XX/XX/XXXX, and got XXXX. Explained my situation, asked to speak with a supervisor, and was transferred to XXXX in counseling. (? ) XXXX then transferred me to someone I couldn't hear her name because her speaker and/or the room she was in, had very bad acoustics. Very muffled but was on the phone long enough to understand her say the case was closed due to application being incomplete. She said a letter was sent out XX/XX/XXXX I had yet to receive. To say I was frustrated is an understatement. I could not believe how from XX/XX/XXXX and the technician taking my answers, imputing them into the system, and escalating the application she saw as complete, to being told the application was deemed incomplete and closed XXXX XXXX. I am devastated. I am not exaggerating when I say I have an excess of 50 hours of phone time with US Bank. I have spoke to XXXX in XXXX, XXXX in Kentucky, XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many others since XX/XX/XXXX. I have had so many that listened and tried to do what they could to help escalate and find resolve for the situation. Along the way, I have attempted on every phone call to make a payment in order to show good faith until a repayment plan could be made. Not one person would/could take a payment. Regular customer service said default had to do it and no one in default would take one either. During all this, the mortgage has gone further in arrears by {$6000.00} plus. US Bank will not allow a person to work with anyone in a local branch. Their system is very flawed : information does not flow across the various departments therefore you are always explaining the situation over and over and going through verification, you will never get the department you are trying to reach no matter what number you call, they do not update contact information in timely manner, they do not provide communication in timely manner, and now, they will close your application and state you must start over without notice. I have tried and tried to work with US Bank to develop a plan to bring the mortgage current. I have documented all my correspondence with them. I am confused after the conversation yesterday telling me the case was closed and that I must start over. | ||||||
| 12/04/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX To whom it may concern : I am also requesting a copy of my updated credit report.I have the right to contest any information on tha credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX Standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681 ( c ). I would appreciate if you could remove them immediately. XXXX XX/XX/XXXX XXXX The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately! XXXX XXXX XXXX XX/XX/XXXX XXXX I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. I would appreciate if you could provide documentation showing compliance with FCRA guidelines. Please respond as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The credit report I received from you showed a few companies that are not familiar to me. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must haves permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry XXXX XXXX XX/XX/XXXX XXXX I didn't know that companies were looking for my information, but this one on my credit report is unfamiliar to me. It looks like they put an inquiry without getting permission first, which isn't possible unless they had a permissible purpose, which is outlined in section 604 of the U.S. Code. If they didn't have a permissible purpose, please remove this or send me documentation proving how we can use these types of inquiries accordingly. XXXX XXXX XX/XX/XXXX XXXX I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. I contest the reporting of the above noted inquiries and challenge the demonstration of the confirmed physically verifiable proof of validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was lactually identified as being me and only me. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. XXXX XXXX XX/XX/XXXX XXXX I received a credit report from you, and I noticed that there are some companies on it that I don't recognize. It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. According to the U.S. Code of Federal Regulations, Title 15, Chapter 16, Section 604, all users of credit reports must have a permitted purpose in order to obtain them. So, can you please remove these inquiries from my report or provide me with documentation proving that they should be on there? XXXX XXXX XX/XX/XXXX XXXX Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly. XXXX XXXX XX/XX/XXXX XXXX I am writing to you because there is an unauthorized credit inquiry on my credit report. I dispute this inquiry and would like it removed from my credit report. I would also appreciate if you could update me on your findings within 30 days. This unapproved inquiry is harming my ability to obtain new credit. Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. | ||||||
| 02/08/2018 | Yes |
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| On XX/XX/XXXX I was released from my employer. I reached out to my creditor US Bank and advised them I was out of work. At that time, I was offered a deferment for my loan. The company only offered me a one month deferment. I advised the company that the time length that was offered wasn't going to be enough time. I also asked why they were unwilling to give me more time? They said it was company policy. I explained that I was a good paying customer for almost two years and deserved more time, however I would accept what they could give in hopes that I would find a new job. Before my next payment XX/XX/XXXX, I contacted US Bank again and advised them that I was out of work and was unable to make a payment. I was told due to me not being able to make my scheduled payment I would be considered 30 days past due. I told them nothing I could do. On XX/XX/XXXX, I received a call from a collector from US Bank in house recovery team. The collector advised me that I was 3 months past due and facing repossession. I advised him that I was just back to work and everything was past due. I would love to keep the car, however my concern was that the car was not affordable. The collector asked if I could make a payment. I told him maybe, however I wouldn't be able to pay the back amount that I owe. The collector offered me the option of paying two months XXXX and XXXX and if I did they would roll the back months to the back of the loan. I made a payment at the beginning of XXXX and the end of the XXXX. Assuming I was current, I then made a payment which I thought was for XXXX. In XX/XX/XXXX, I received a notice from US Bank threatening repossession. I called asking why would I receive this letter. I was told I was still 3 months past due. I told them I did not understand. I made all of the payments I agreed to based on the call on XX/XX/XXXX. Every employee of US Bank said they knew nothing of the arrangement and continued to tell me that I did not maintain the terms of the deferment plan. I explained that I was upfront about the possibility of not being able to meet the terms and I also explained the call that happened in XXXX. The employees denied it happening. This is while looking a notation placed in the system by the employee. I escalate the situation with corporate who then in turns sends me to a manager name XXXX who told me he listened to the call and the employee was not authorized to give me such an arrangement. I asked him that I was clear when I told him if we couldn't come to terms I would have to let the car go because the amount I was paying {$1100.00} was not affordable, however I would try to pay to honor my agreement. XXXX told me the car is not schedule for repossession so I can continue to make payments. After speaking with XXXX, I started to receive a call from US Bank almost everyday, three times a day. I answered one night and spoke with someone and asked that they not contact me as frequent as they were. The representative was rude and said I needed to submit a cease and desist letter. I advised them that I do not legally have to do that. All I need to do is tell you to stop calling. Eventually after I sent and threatening email they stopped the calls. XX/XX/XXXX, I receive the exact same repossession letter. This is now after paying 15 months of payments to US Bank. When I logged into my account I noticed I was being charged a late fee and I pulled up my credit and saw that US Bank was reporting lateness to my credit report. I called and spoke to 15 different agents and managers. After about 7 calls I began recorded the calls. The agents were rude as were the managers. The managers made light of not being able to call me back due to the cease and desist that I filed. I then sent an email/demand from US Bank due to each time I called the agents gave me different options that were never made available in the past. Each agent gave me a different understanding as to the companies deferment policy. One agent advised me that the collector that I spoke to falsified the notes. The agent failed to note what he offered or what our agreement was. He simple wrote " Customer said he was just out of work and will make payments soon. '' Because of this behavior, I have been harassed and threatened with repossession. I received a response to my letter from US Bank. The response represented a timeline of events that did not match the true timeline of events. I called the person from US Bank today that they advised me to call XXXX XXXX. XXXX was professional, however he to was very forceful in stating that the can not do anything unless I pay him 3 months of payments on time. I advised him that wasn't what I was told. I was told if I make one month payment I would be eligible for a deferment. XXXX then said, okay then when can you make a payment. I told him that I could make a payment next Friday, however I would not make a payment unless I had something in writing stating what US Bank would do once the payment was made. XXXX then got annoyed saying, why didn't you get the last offer in writing. I told him I didn't feel like I needed it in writing as the employee of US Bank confirmed the call was being monitored and recorded. I advised XXXX that US Bank is not taking responsibility for taking adnvantage of me during a difficult time in my life. I was down to nothing and owed everyone. I tried to do the right thing under the believe that this would make things better and it didn't. US Bank has charged me a late fee since making the agreement on XX/XX/XXXX and they have reported me as late each month as well. I sent US Bank a final attempt to resolve this. I advised them that if they feel the need to repossess the car I can't stop them. I also advised them that I am willing to pay if they repair my credit, reverse the late fees and adjust the interest because the money should be applied to the balance, roll the back months to the back of the loan per our agreement, as well as a letter of apology I would restart making payments. XXXX replied with " you car is subject to repossession any day. '' What XXXX didn't know was that I spoke to and recorded another employee told me that nothing was scheduled. Yet, another dishonest statement in an effort to get me to pay money. I have tried to do the right thing and this bank will not honor what they told me. I have made a bunch of calls to this company of the last 16 months. They have listened to the call and acknowledged wrong doing by their employee. They just feel like they have a leg to stand on because they have a contract and the employee didn't put the agreement in writing. This is the exact case for the CFPB. There are others just like this. I am not sure what is the deciding factor for how a person is approved for a deferment. Is is the purchase amount of the car, amount of time the loan is open, amount of the monthly payment, how nice they are the agent that they call into, what do they sound like, area they live in, or something else? Either way, all customer should be treated the same as far as policy is concerned. What is offered to a customer should be honored and not retracted after 15 months of payments from the consumer. Please review this company their relief program for consumers. There are many people like myself that go thru a life changing event. The sad thing is that companies like US Bank make millions of dollars off the light people, and when the same people that keep them in business need them they are nowhere to be found. | ||||||
| 02/19/2019 | Yes |
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| XXXX Visa Signature Card Issued by XXXX XXXX XXXX. Case Reference : XXXX Seller Dispute : XXXX XXXXXXXX XXXX XXXX Dispute {$420.00} As a matter of fact, I never received any latter requestin additional information. On XX/XX/XXXX2018, I made a purchase on a Glass Shower Door Package with Hardware Kit to remodel my Shower. It was shipped in 5 days. All the parts are shipped on a loose basis that there were no ways to verify every pieces as there was no installation Menu not instruction shipped with the Glasses. I checked only the glasses to make sure there were no crack. I purchased the encloser based on the specifications shown on the Manufacturer 's Brochure that the Door Hinges were corner Mounted not a flat mounted. During the break down of my shower and rebuild, I went into difficulties. It took more time as I expected as the foundation had to be rebuilt. Once the foundation was removed and rebuilt and repiped the drain. I installed the plumbing and make sure the drains worked. I started to look into the parts of the enclosed. I found out the parts were wrong. Due to limited space, on one side of the wall, I did not had enough space for a flat Hinges. In addition, the other parts, such as the base mount tracks were wrong sizes with wrong cuts. I had no choice but contact the seller to suggest to replace the proper parts. The seller refused. I then filed a dispute with the Credit Card Company on XX/XX/XXXX2018 for {$420.00}. I expected they response in 10 days or less, it never came. Due to a pre-planned vacation, from XX/XX/XXXX2018 to XX/XX/XXXX2018, I left for oversea for amount a month. When I returned, I received a letter dated XX/XX/XXXX2018 with provisional Credit of the dispute amount plus interest. On XX/XX/XXXX2018, Card Member Service staff, XXXX sent me another letter requesting addition information. On XX/XX/XXXX, another letter stated no additional information was not received and the credit was reversed. As a matter of fact, I never received any latter requestin additional information. Anyway, I was unable to respond these two letters as I left the Country on 1XX/XX/XXXX2018 and did not return until XX/XX/XXXX2018, see attached the Boarding Passes. Upon my return I rested then got sick for several days.A letter, dated 1XX/XX/XXXX2018 was received on XX/XX/XXXX2018 stating the dispute was closed. I called in the next business day. I talked to one of your Card Member Service staff explained to her I was out of the Country and request reopening of the dispute and requested an email address to provide addition information. The reasons were I have to send in color photos to show the item specification which the item shipped did not meet. She promised to reopen the case and she further agreed to provide an email address so I could use. She also told me that a letter would be sent to confirmed. I waited several days, I received nothing. I called in again and talked to another customer service staff who was very, impolite, rude and show no courtesy. She reviewed all the logged in conversations. She said she could not reopen the case. I asked her why not and I requested to talk to XXXX XXXX. She said she was XXXX. Upon hearing that, I felt I could not talk to her. I requested to talk to a supervisor. I was able to talk to a supervisor who assured me my requests would be granted and she also stated another staff would call in 24 to 48 business hours to provide such information. I waited, no one called. I called in again and request another Supervisor. She talked to me and provide me her name, XXXX, ID # XXXX. Again she stated she would make sure the case would be opened and provided me with an email in 24 to 48 Business Hours. Despite all these empty promises and wasted all the time, I got not where. Final I got a call, I asked who was calling me. It was XXXX. She told me she would not be able to reopen the case. She was rude. I asked what reason? She was unable to provide any reason. Then I knew I would get nowhere. I immediately I request an upper management staff to give me a call. She granted my request, we handed up. Based on what happened, the Card Member Service Staffs ignored the following facts which were XXXX 's Faults : 1 ) The dispute confirmation letter, dated XX/XX/XXXX2018, was sent after I left the Country. 2 ) The Letter Request for addition information was sent XX/XX/XXXX2018 also sent after I left the Country. Base on both letter dates, I was not in US to view and respond, the fault was never on me. To expedite the response, I requested several time a email address so I could send the color photos so the Customer Service could see how complicated the matter was. The main dispute was the seller failed to ship the right and proper parts for proper Installation. Originally I ordered a right door mounted shower enclosure and they told me the enclosure could be mounted both ways. I did not questioned that as they are professional. When I try to install it, it could only installed only one way. Due to the size of the remolded shower walls, I checked the manufacture specification properly to make sure it meets my space measurements. The problems were : Page1 : 1 ) The Two Hingers are to be mounted inside. The mounting brackets have screw mounting hole on the inside only. It Could not be mounted on both sides. 2 ) 2The Door Mounting Bar are precut three pieces. 3 ) The Mounting Bar and Hingers are mounted next to the doorjamb Page 2 : 1 ) The Door Mounting Hinge only have mounting screw holes on the inside. 2 ) The Return Panel and the Fixed Glass Pieces at the mounting joint has 45 Degree Cut. Page 3 : Photos 1-The 2 wall mounting bars are showing full length. One should be cut into 3 pieces for the Glass Door Mounting of two hingers. Photo 2 and 3-Photo-Showing Hinge have mounting bracket with screw holes on both side, wrong item. Photo 4-The Return Panel base mounting bar has wrong 45 degree cut. It should be level as it is mount against the wall. Photo 5-Over Length base mounting bar on the Joint side of the Return and Fixed Panels. Page 4 : Photo 6-7-Over length size of the return Panel Bar Photo 8-9-Return Panel and Fixed panel joint should have 45 Degree Cut. Since the mounting bars are chrome and custom sized. They have to be precut, then chromed. If it is cut again, it will burn and turn black and could not be chromed again. I dont understand you are able to understand all these complex plans, parts to be joined and installed to form a Glass Shower Enclosure. All in one word, seller did not do their duty to check all the parts if they could be installed. I hope from all I submitted, you surely again, the parts the seller shipped could not meet all installation requirements to an enclosure. Attached is the email I send to seller to resolve the dispute. The seller chose not to respond. You sure agree the seller did not meet their duties. If you view the last attached photo, the Hinges are 90 degree mounted instead of the flat 180 Degree Flat Mounted the way I do not have enough side wall space for such mountings. I demand immediate refund the purchase amount plus pro-rated interest. Truly Yours ( XXXX XXXX ) PS : A Purchase Statement is also attached. View Item 4 dated XX/XX/XXXX2018. XXXX XXXX XXXX XXXX. Encl. : Card Member Service Letters, Itinerary, Boarding Pass, 2 pages of Enclosure Photos Showing Seller Order Specification Errors and email copies to show I was very reasonable and give the seller just reship the proper parts. | ||||||
| 07/10/2019 | Yes |
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| In XX/XX/XXXX, I admitted to a XXXX XXXX XXXX XXXX XXXX facility. While in treatment, with no access to phone, mail, internet or other means of communication, a number of my accounts fell into delinquency. When nearing the completion of the program, I was granted access to email and collected mail that had been delivered between XX/XX/XXXX and XX/XX/XXXX. It was at this time that I was made aware of the accounts that I needed to rectify with each respective lender, financial institution or collection agency. When I completed and discharged from the program in XX/XX/XXXX, I began contacting each agency and corporation in an effort to pay off or settle all accounts that were in delinquency. I paid off the outstanding balances and settled all accounts within the first year of leaving treatment. One account, held by US Bank Corporation, was sold to a collection agency in early XXXX. A Notification was mailed to me ( Attachment 1 ), dated XX/XX/XXXX with a settlement proposal for an account with a balance of {$530.00}. Once able, I mailed the agreed upon amount in accordance with the Settlement Agreement with XXXX XXXX XXXX, the agent of US Bank Corporation, by mailed check, dated XXXX XX/XX/XXXX ( Attachment 2 ). In a bank statement from Compass Bank, there was a successful deposit of that check on XXXX XX/XX/XXXX ( Attachment 3 ), effectively closing the account with XXXX XXXX XXXX AND US Bank Corporation as I had successfully met the terms of the Agreement. Then, on XXXX XX/XX/XXXX, a DIFFERENT agency, XXXX, sent a Settlement Offer ( Attachment 4 ) for the SAME account I had settled with XXXX XXXX XXXX for a higher balance of {$670.00}. I alerted XXXX of the duplicate collection attempt in a letter dated XXXX XX/XX/XXXX. In the letter, I explained this account had been settled with XXXX and US Bank set forth in the terms of the original settlement agreement. I also asked the harassing and intimidating calls to my parents ' telephone numbers cease immediately ( Attachment 5 ). XXXX replied by mail in a letter dated XXXX XX/XX/XXXX confirming the account was closed and the information and my correspondence was sent back to US Bank ( Attachment 6 ). Throughout the next four and a half years, I have worked diligently to rebuild my credit. I have corrected the balances outstanding and the slow credit score improvement led me to assume I had cleared all bad debts and time alone would rectify my creditworthiness. During this time, I was denied lines of credit on multiple occasions as well as extensions of existing lines of credit. Again, I assumed this was the result of the not too distant history of my bad debt. In XX/XX/XXXX, my fiance and I decided we had worked on our credit where we might have the opportunity to buy a house. On XXXX XX/XX/XXXX, my potential mortgage lender had pulled a hard credit inquiry to assess my full credit report, and therefore my creditworthiness. It was at this time I learned that US Bank had marked this account as closed on XXXX XX/XX/XXXX yet had CONTINUED to report the closed account as a Charge-Off each and every month. At no point during this period was I notified of this balance by US Bank Corporation, as I had already settled the account with XXXX XXXX XXXX. My lender informed me that I would only qualify for housing loans that put purchasing a home out of reach. It was at this point that I reached out to XXXX XXXX XXXX to, once again, confirm this account had been closed after successful execution of the Settlement Agreement ( Attachment 7 ). When I called US Bank Customer Service to inquire about the duplicate account, I spoke with an agent on the phone who, also, could not determine why the charge was reporting. She initiated an internal dispute and gave me a different department to contact. When I called the next number, a different agent verified my information and pulled up my account information. When I asked HOW the account still showed an outstanding balance, she said she thought US Bank reported the charge off after the account was sold to XXXX XXXX. When I questioned the change in the amount, from {$530.00} to {$670.00}, she explained the common practice of selling debt for less than the full amount and that XXXX purchased the account for {$530.00}, while XXXX had purchased the account for the full original balance. She pointed me to the Recoveries Department. When I finally reached someone in Recoveries, an agent, XXXX, told me that ALL the information I have received is incorrect, that the account still had an outstanding balance. When I pointed to the documentation from XXXX XXXX XXXX, she told me that, no I had not paid. The account was sent back to US Bank from XXXX. I asked again about the monies I paid to XXXX XXXX XXXX to settle this account and was told there was never any report of THIS account being paid. I was asked if I wanted to settle, and I said I would be interested to learn more about how to correct the information on my credit report. I called back the next morning and spoke with XXXX again. After I had looked through the account documents, I told her that I was no longer looking to settle, as I had ALREADY settled the account. The reply I received was that she was marking my account with a refusal to pay. At this point I thanked her for her time but asked if I might speak to a manager or supervisor. She transferred me to her manager XXXX, who did not answer the call. I left a message with a summary of the situation. I never received any further communication from either XXXX or XXXX. I emphasized in a follow-up email that I was not refusing to pay but I had ALREADY paid to close the account. Not only was there a duplicate amount that I am being held responsible for, but the Charge-Off is reporting every month as a derogatory mark to all three of the major Credit Bureaus. From both a credit analyst at what would have been my mortgage lender, to the credit bureau information sites, a Charge Off removes the account from financial books so there is no longer any account to settle, duplicate or not. XXXX told me that they had purchased the debt BACK from XXXX but in this case, it is my right as a consumer to be notified of this new account number they would have to open, and the balance they were claiming I owe. As the direct result of US Bank Corporation actions, I have experienced substantial financial hardship in accessing financing and now am unable to find affordable access to housing loans. There are multiple issues on my credit report, all of which were disregarded entirely by the representative of US Bank. The Charge-Off closed the account and removed the balance from US Bank. 1. The closed account CONTINUED reporting negatively to my credit from US Bank. 2. This account was SETTLED with XXXX XXXX then sold AGAIN to XXXX. 3. These derogatory marks were made for FIVE YEARS with no efforts to notify me. 4. The MULTIPLE points of error on my credit report were not acknowledged. 5. The documentation evidencing the account had been paid was entirely disregarded. 6. The efforts to resolve the errors has been met with ZERO contact from US Bank. 7. The US Bank reaction to documentation of the account settlement is " refusal to pay ''. 8. The erroneous reports cause financial hardship for an account I SETTLED in XXXX. 9. The US Bank representatives each gave different interpretations of the information. 10. I am being held responsible for this account TWICE, it was sold to TWO agencies. | ||||||
| 08/09/2023 | Yes |
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| XXXXBecame unemployed XX/XX/XXXX -Spoke to USBANK around XX/XX/XXXX or earlier about contract end and was advised I can do a forbearance as long as I pay up till I believe XX/XX/XXXX and to apply in XX/XX/XXXX for a loan modification, told didn't have to make payments until XXXX or XXXX XXXX all I had to do was make XXXX payments before XX/XX/XXXX the rep stated specifically that even though I did a XXXX forbearance it wouldn't effect my chances for getting approved for this modification. -Made a payment of {$960.00} on XX/XX/XXXX over the phone. -Made a payment of {$1000.00} on XX/XX/XXXX over the phone. -Made a Payment of {$900.00} XX/XX/XXXX over the phone. ( during all interactions, I've made it clear I wouldn't be able to pay in XXXX lump sum and that I would like to do the modification to put left over payments at end of the loan, ) was never told of a tier system that I would need to follow in order to accomplish that only that I didn't need to worry about holding the money, ( which I did anyways for awhile until I needed to replace a water softener, auto repair and health bills. ) XXXXI believe XX/XX/XXXX I also advised them that I was starting a job and was advised not to make payments cause it would just go into a suspense account and to wait till I get my application reviewed in XX/XX/XXXX. -Called in XX/XX/XXXX? and started the application process, XXXXI got the application via mail possibly towards the end of XXXX and I filled in what was needed per reps on the phone. -Called XX/XX/XXXX which I believe I asked about not including co-owner on the application since she was not living there for awhile now, they responded that she would need to be on there and that just filling in her income and a signature should be fine. -Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX following up on information they needed several different times and was advised to wait a week between follow ups, in this time frame this played out.. ( to the best of my memory, per notes and call logs ) -They needed more information from co owner about child support and that she doesn't live there in writing, we provided that XXXXthey asked for XXXX paystubs I provided that, -then they needed deposit proof of child support -Then they needed a month of deposits that had no child support deposits -then they needed full bank statements from me and not just deposits -then they needed more info from co owner and paystubs -some calls were follow ups responses about waiting for review - I believe XX/XX/XXXX they said they had everything they needed after co owner talked to them XX/XX/XXXX and provided information they asked for. - they called again XX/XX/XXXX saying they needed my start date for my employer, and address for co owner, I advised I didn't know it and to call co owner, XXXXthey got a hold of co owner and got address but also asked for my start date again or for my previous employment start date? XXXX I called in response to denial letter stating that I didn't make enough and that I owed too much and would only possibly qualitfy for a short sale or foreclosure.. I explained to the reps the whole situation and ended up getting to a supervisor who told me it was put down that I was only getting paid bi-weekly ( which I never said ) I advised no I get paid Weekly as also stated on application of my monthly income.. they stated at that moment I would have to pay a little over {$5000.00} in order to qualify for the modification for putting the amount due to end of the loan ( this is the first time I'm aware of only XXXX payments could be missed to qualify for modification ) or else they will put into process for foreclosure or I can appeal before XX/XX/XXXX and that I should send in copies of more pay stubs, so I sent all paystubs with appeal notice and written explanation of summarized of all that took place and they got it on XXXX XXXX XXXX US BANK calls and hangs up, I call back and talk to a female who stated the same reasoning as other reps and that the investor wants them to call me periodically, I got aggravated and hung up cause I was at work.. XXXXThey called again same day XXXX, a male who says my account is in foreclosure and that it could be signed away or something soon and how did I want to resolve the debt, I advised I was in review for appeal, he said no it was denied XX/XX/XXXX and said I can appeal it again and to talk to appeal department, he also said that * due to be getting a XXXX modification from before that it effected my ability to get a modification per the the investor* this is what the first person said wouldn't effect my chances** and that the investor can change the guidelines at anytime* -transferred to appeal department, and spoke to a XXXX who said that it's still in review and she explained ( first time hearing this** ) that there is a tier system which I would have to not go over XXXX months past due to qualify for the modification I originally needed and that once it hit XXXX months past due I would need to pay the complete balance in a lump sum, not payments accepted and now amount due is XXXX she also stated US BANK uses XXXX different notation systems so shes not sure why other male rep said these things. -So at XX/XX/XXXX would be XXXX months past due which would of meant my total amount I would needed to pay was {$3800.00} in order to qualify for the flex modification where they would put the XXXX months past due at the end of the loan or possibly make payments per XXXX 's explanation. -in XXXX it would of been {$6700.00} in total I would of had to pay in lump sum as stated above, so why is US BANK saying I needed to pay a little over {$5000.00} in XXXX? XXXX would of been {$8600.00} in full and now in XXXX we are actually at {$9600.00} ( assuming late fees were added to make it the huge amount of {$9900.00} due right away! -So with all this information, I have determined that the staff at US BANK Mortgage customer care department and loss mitigation department are not fully trained and not aware of the programs they offer or that FHA offers and misled me through the whole process and set me up for failure. that they also don't take notes all the time or don't clarify what they think they heard. I have the means to pay and expressed that since early XXXX or late XXXX after I got a good paying job.. but instead I was guided into believing my normal payments would just continue slightly more or slightly less in XXXX or XXXX or that I could set up a payment plan to add to my normal amount which i expressed I didn't want to do that, which proves that these reps didn't know what the guidelines were from the start.. I could of started paying it down in XXXX and not be in this situation... Now I am begging and borrowing every day, selling what I can, I have a XXXX account ( https : XXXX ), I asked over XXXX churches for help and multiple other organizations so far to pay this huge amount and it's extremely embarrassing to me and my daughter and I believe I'm losing friends/family and lost plenty of sleep over all this and no rep at US BANK seemed to really care that they falsified info.. I have to get a small loan and pay extra interest on it and possibly use credit cards with high APR due to my bankruptcy mid last year, I'm trying to build my score back up.. I'm submitting this claim due to having no faith in a positive outcome from US BANK with appeal. | ||||||
| 08/02/2017 | Yes |
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Web | Servicemember |
| I had a checking account with US Bank and I received a notice on Monday XXXX XXXX, 2017 that was dated XXXX XXXX, 2017 stated my account was closed. I was confused and did n't know why my account was closed since I had a positive balance on my account at XXXX on Sunday of {$10.00} and I did not use my card on Sunday or Monday and no charges I was aware of was pending. So I checked my mobile app for balance information again on XX/XX/XXXX and it had no information listed for my checking account, only for my credit card for this same bank. So I contacted the recovery number I had in my phone to ask some questions about my open account, and yet the phone was not working correctly because when I called 3 times the recording stated they will close at XXXX, but it was only XXXX and my call was disconnected each time. So I decided to go to my local branch to speak with a manager to see if someone can help me. And the manager at the XXXX branch is XXXX XXXX XXXX ( XXXX married name now ) and she call me into her office with the door open to discuss my personal checking account information while the bank was crowded with people at the beginning of the month. I showed her my letter and asked her why my account was closed. And I am on repayment plan program for the same account that I hard some financial hardships with and this bank allows customers to keep account open and set up a payment plan for 6 equal payments on the XXXX or XXXX of the month. My payments were on the XXXX of each month starting on XX/XX/XXXX of {$140.00} but I paid {$150.00} at the same branch on time each month. XX/XX/XXXX was my final payment of {$140.00} which included hundreds of dollars in fee of {$36.00} each. XXXX XXXX was looking like a deer in a head light while I was sitting at her desk asking questions she had no clue of any answers for her to be a branch manager. I know of 2 tellers whom are very knowledgeable of the repayment plan, but this manager was lost. And instead of asking for assistance from other employees, she folded the letter back up gave me back my ID and said I will have to contact the number on the letter ( recovery ) so I was upset since I had no clue why my account was instantly closed since I missed no payments and my account was current. I was upset she could not help me with this serious important matter since I have been banking with USBank for over 3 years or more and I had an upcoming payroll direct deposit coming on Friday XXXX XXXX, 2017 that I did not want floating in cyberspace. When she called the recovery number as well the phone hung up as well and it was the same recording that I received while at home. She was very insensitive and unprofessional in trying to resolve my concerns that morning. So she pushed several buttons on the computer and said nothing to me, then after I insisted she tell me whom I can contact to verify why my account was closed is when she called someone on the phone. and she wrote down {$1.00} I owed, which was incorrect then stated my account was closed because some charges came through my account for XXXX XXXX apparently in the XXXX that caused my account to go negative {$380.00} and since I am on the repayment plan my account can not go negative. Which was explained to me before I signed up for the plan. But the guidelines that was read and discuss with me was that my account can not go negative for more than 5 business day and no missed payments. Well first of all my account was not negative 1 day yet to make positive and had NO missed payments. So I was confused while sitting in her office to why XXXX XXXX had transactions hit my account on XXXX XXXX, 2017 since I did not use my card and I had available funds to cover all transactions I made on Friday XXXX XXXX and therefore. I knew how much I can use. So come to find out after contacting the merchant these transactions that were made on XX/XX/XXXX, was also submitted again for payment on XX/XX/XXXX and at the time the hold was placed on my available balance to withhold the funds for XX/XX/XXXX transactions. So I contacted recovery when I went home to have someone explain to me the errors of the closed account on XX/XX/XXXX and I was told I had a broken promise code on my account, which was stated to me by XXXX in collections that someone coded my account and stated my XX/XX/XXXX payment was late and not received until XX/XX/XXXX, and I stated to him that was not true, because I paid all my payments on time and my XX/XX/XXXX payment was made on XXXX XXXX, 2017 at the XXXX branch which is my birthday. the payment was input incorrect by an employee by mistake and not applied to the correct repayment plan that was set up with USB and myself by phone on XXXX 2017. So I went to branch and got his corrected when I realized the mistake and received a notice that my account will be closed and no XX/XX/XXXX monthly payment received, XXXX did notice the error and corrected asap when I went back to the branch I believe days later. So therefore that was what cause the payment to be late for XX/XX/XXXX, due to no mistake of my own in paying it on XX/XX/XXXX because I paid it on time on XX/XX/XXXX. So he stated then this was a human error and he understand my frustration and I also had 5 days to bring my account current and the branch manager can call collections to confirm this an reopen my account, But that did not happen, because before I contacted collections and reached XXXX I contacted XXXX XXXX XXXX XXXX ( XXXX ) that morning to ask her this same question, but I was told by phone she was in a meeting and I left my name and number for her to contact me back, but of course she did not. So I decided to call her back again before the branch closes at XXXX and she answered the main line of the bank and I told her whom I was I waited for her to call me back after her meeting and I asked her if I can get a courtesy and have my bank account reopened and she said simply said NO. I said okay thank you. I felt hurt and not treated with respect and unfairly as a customer of USBank for years. I can tell by our visit earlier in the office she was not kind or professional person in the customer service industry. Because she talked loud on the phone to someone while yelling out my SS # and name over the phone with a bank full of customers in line. This type of contact to me for unbecoming and her actions were deliberate to just close my account although she had no clue why it was closed when I first talked to her. She and other employees need better training to assist customers with their concerns since they work at the branch. She told me to call this number ( recovery ) tomorrow and I can tell at that moment that helping me out with my banking concerns was no problem of her and she did n't wish to assist to help me out at all until I told her I need some answers today since recovery line is disconnected me and her at the time because I was expecting my payroll on Friday XXXX XXXX, 2017. She is an awful person that someone will have to come to for help when she made it clear that she did n't want to help me or do her job. So appalling for her be over the other tellers who are kind and helpful when I go inside the branch. To me she has the wrong job title and chose not to care about my important concerns while in her presence or no decency to at least call me back to see why I was calling to speak with her when I left her chair I was stuck and did n't know what went wrong at all. Sincerely yours, XXXX | ||||||
| 04/03/2019 | Yes |
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Web | |
| I work at a XXXX school as a XXXX, XXXX XXXX, and XXXX. In XXXX of 2018 I purchased an antivirus/anti spam software/computer support through XXXX XXXX. They scanned my computer and told me I had a lot of viruses and needed to purchase the antivirus software through their company and my computer would be lifetime warrantee with their company antivirus software. The price was {$540.00} so I purchased it and they said I could call them anytime something went wrong with my computer and they would help me at no cost. My computer was running great since XXXX, then on XX/XX/XXXX XXXX XXXX called me ( several different men spoke with me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) and said their company is closing and they wanted to give a refund of {$540.00}. He said they could not send checks out because they are closing. He said he had to refund me on my usbank account and could wire me the money right to my account. He was doing a lot of stuff on my computer and he said to type in my name, address and then type in {$600.00}, I said I thought it was only {$540.00} and he said we are giving {$600.00} for the inconvenience and taxes, etc. He then had me type in my name again, address, and then he would type the first part of it and then he would say ok now you type. Then when I went to type in $ the number 4 kept popping up and he started to get angry with me and said you have to be very careful and not type in anything wrong and you cant hit the backspace. It took about three times and finally on the third time when I typed in {$600.00} he then added a zero so it said {$6000.00}. I kept saying No that is wrong it says {$6000.00} and he wouldnt listen and then he freaked out on me and said oh my XXXX what did you do, that money went into your account, you need to get that money back to me or I will get fired. I can not believe this has happened. You are responsible to get that money back to me. This is a nonrefundable account that it came from so we have to figure out how you can get the money back to me. Then he showed me my usbank and it showed an extra {$6000.00} in the account. Looking back now they had access to my computer and could change any of the numbers. He told me they are partners with XXXX and I would need to get XXXX gift cards for {$6000.00} and keep him on the phone. This phone conversation was over an hour and half long on Wednesday, XX/XX/XXXX XXXX you can listen to the entire conversation if XXXX & XXXX has the capability to share that information. He told me to keep him on the phone the entire time, but not to tell anyone. I kept him on the phone, I was shaking and I went into XXXX and purchased {$5000.00} in XXXX gift cards on my usbank credit card then he told me to get XXXX XXXX gift cards for {$400.00} and the store only allowed me to purchase {$100.00} of that. Then I got back in my car, still shaking I wanted to get this guy his money back for fear that I would be in trouble. He said to stop at a XXXX or gas station and purchase {$300.00} more in XXXX XXXX cards so then it would total {$5400.00} and the other {$600.00} I would keep because that would be my refund amount. I questioned him several times in our phone conversation and said I feel like I am doing something illegal and I said do you swear on your life that you are not lying to me and I will have this money in my account. He said yes yes of course. I asked what religion he was and he said XXXX. I said I am a XXXX and I dont want you to lose your job and I would hope someone would do the same for me. He then said yes yes and you are responsible to get this money back to me or you could be in a lot of trouble too. Then I went to the XXXX gas station to purchase XXXX XXXX cards for {$400.00} but my credit card was declined. Then he told me to go to XXXX and my credit card was declined there too. I said sir I am so sorry I need to get back to work I have class coming in a little bit. He said ok scratch off the numbers on the back of your gift cards and read them to me, so I did. Then he said ok let me get the receipts in order and Ill make sure everything goes through. I taught my classes still shaking and then he called back and said {$2000.00} didnt go through and you need to get me that {$2000.00} today. I said I couldnt get it until the next day. I then checked my account again and the {$6000.00} was not in there. I confronted him and he said you cant have that money until the gift cards go through. Then I said I am at the point where I am going to involve the police, then he got really mad and locked up my computer and said he will erase everything off my computer and will keep my computer locked until I give him his money. He said if I want my money back I need to do what he says. So then I went to the XXXX XXXX using my XXXX and bought XXXX XXXX gift cards for {$1000.00}. Then at XXXX on the XXXX card I bought XXXX XXXX gift cards for {$1000.00}. Then he wasnt going to unlock my computer until the money went through. The next morning he did not unlock my computer and no money was in my account like he said so I called chief police and met at the police department with him and filed a police report. I brought my computer into XXXX XXXX to have them unlock it and clean it up and put a new antivirus software on my computer. I called all three credit card companies and labeled this as fraud. Both XXXX and XXXX XXXX both immediately when I called gave me a provisional credit and have labeled it as fraud and I am not liable to pay that money back. I would hope USBANK Visa would do the same. I have been a loyal customer with USbank visa for well over ten years I believe and usbank checking/savings for 17 years. XXXX card I have been with for 17 years and never ever had bad credit. My credit score is over XXXX and I am an honest trustworthy XXXX, parent, friend, and XXXX in our society. There is no way I will ever be able to pay USbank visa back {$5100.00} and I should NOT have to because of this Fraud I will do whatever I can with the police to try to get these XXXX XXXX guys closed down so they do not scam anymore people and I will fight this fraud case as long as I have too. This is morally wrong and unacceptable and I DO NOT want this to happen to any more innocent people. I would appreciate any help and support from USbank visa so this does NOT happen to anymore of your customers. XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX ( supposedly the owner of XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX These are the XXXX Gift Card numbers on the back of the card, Please trace them and see how they were spent and in what country or state they were spent in, I did not benefit or purchase anything with these cards : XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX XXXX XXXX XXXX XXXX pin # XXXX This is the letter I sent to USBANK visa and they refused my claim as fraud and charged me the full {$5100.00} plus interest. This is ridiculous I do not have that type of money as a single mom with XXXX children. USBANK is a multi million dollar business and I did not benefit {$1.00} from those gift cards! I have amazing credit and have never had an issue with XXXX XXXX in 18 years and they labeled the {$1000.00} as fraud and never charged me. | ||||||
| 06/08/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX XX/XX/2023 US BANK XXXX XXXX XXXX XXXX XXXX and/or Office of the president, Dear Sir or Maam, I received your mailed response on XX/XX/XXXX. I would like to discuss further somethings that were mentioned in your response to me. First in regards to the check that was deposited in error and from my wrong account, I apologize but I accidentally deposited that check into my US Bank checking account ending in XXXX from my XXXX XXXX account that was closed instead of my active XXXX XXXX account. That was done in error and when I caught it I immediately contacted US Bank to have them stop the check but was told by US Banks 24 hour banking dept that they had no way of cancelling that deposit and I fully explained to them the error that was made. The agent still wasnt trying to be of any assistance in contacting a higher up department to see what could be done in this situation. I did not intend to deposit that particular check. I also feel like after Ive expressed to XXXX as well as every agent Ive spoken to in regards to the check fraud claim that I am experiencing a real financial hardship because of me not receiving my cashiers checks from US BANK which has since caused me to become behind on my mortgage, my auto loan and other bills and has since affected my credit score and could cause other long term affects. I did not cause this issue and I feel very saddened that US Bank would allow this to continue to happen to me when they have all the ability to provide provisional credit while this check claim is still being worked so that Im not caused any further hardship. The fact that you stated in your response to me that you would not offer me a credit knowing very well you could is very disheartening and frustrating to me. So I would have to absolutely disagree with you when you say US Bank delivers an exceptional level of service. Because every time I contact the fraud Liason dept. the agents never know how to address my concern when Im very clear to them what the purpose of my call is about. Either Im left having to argue with the agent back and forth about the reason Im calling and because they never want to get management to the phone when I request a supervisor or manager. Or Im constantly being transferred to XXXX voicemail as if shes the only one that Im allowed to speak to as a customer calling in to discuss business. She never return phone calls. Or the agent doesnt know how to reach the XXXX XXXX to get the most up to date status of my claim. Or the call is disconnected by the agent on me. This has been a horrific situation and US BANK fraud Liason dept has not made the situation any less stressful. I am experiencing a hardship here because of me not receiving my checks from U.S Bank and is causing longterm affects on my credit and payment history. To receive a response that provisional credit wouldnt be honored after it was promised to me is not a sign of showing exceptional service. I am deeply saddened by US Banks response to me and how long it took to even receive a response. Also I do believe that the response was suppose to be given on the XXXX website but Ill be sure to contact the agent there and send her copy of the letter US Bank sent to me letting her know I am still not satisfied with the stance US Bank has chosen even in the midst of me expressing that this situation has caused a hardship for me yet nothing has been done to relieve or rectify that. I will also be reaching out to theComptroller of the Currency, Consumer Financial Protection Bureau as well as the FDIC to get the official policy on cashiers check claims and address my concerns with them. One of your fraud Liason agents gave me the name of the bank that the cashiers checks were cashed with and I spoke with them and their accounting department advised me that US Bank mailed them the claim on XX/XX/2023 and they literally just received it on XX/XX/2023. First off I notified US Bank about the missing cashiers checks back on XX/XX/XXXX and was told the claim was filed them by XXXX. I supplied in a timely manner the information US Bank requested of me.yet US Bank took over a month to notify that institution that they had my funds and needed to return them. Yet I was lied to AGAIN by a US BANK employee ( XXXX ) telling me that the XXXX claim investigator said she was expediting my claim due to my financial hardship and the lie I was told by XXXX on XX/XX/2023. US BANK has absolutely no concern or regard to my situation and how this has affected me financially and has also impacted my credit which I have never had any issue with. US Bank has allowed long term damage to a happen started with how my claim was even handled, your fraud Liason agent XXXX making false promises, XXXX making false promises, numerous fraud Liason agents not even taking my issue serious and constantly transferring me to XXXX voicemail knowing she never answers the phone and she does not return phone calls. I have left her numerous voicemails and shes never returned not even one of them. The last XXXX and I spoke was on XX/XX/2023 when she was suppose to let the agents and supervisors in her department know to not be sending me to her voicemail because shes no longer working my claim. She was also suppose to escalate me to XXXX the operations manager or XXXX who XXXX claimed was the operations manager also. Come to find out ; XXXX is not an operations manager but when XXXX called me on XX/XX/2023 she even said she was an operations manager. I spoke to several fraud Liason agents after that because XXXX never returned my phone call like she stated she would ; and every agent told me that XXXX is not one of the operations managers. That she is listed as Expert Banker Operations which the agents all informed me; was literally the same title as they are just on a different team ( operations ). After experiencing and being treated in such a horrible way I would hate to think this is race related but thats the only thing I could come up with. US Bank from my findings has been in the media for racially profiling but Im praying to God that is not the case because if so US Bank will have a bigger issue on their hands I can assure that. Ive spoken with four agents today all of who didnt even attempt to assist me but when they reached out to the supervisor at that time ; they immediately told the agents to transfer me to XXXX voicemail. Instead of contacting the proper department or team which is XXXX and getting an update and asking questions. The level of incompetence and lazy and discrimination I feel Ive experienced by US Bank is absolutely unbearable and caused me so much stress and anxiety until I go throughout my days with headaches and completely stressed out for all issues this situation has caused me. Its causing me so much agony stress and XXXX and its becoming unbearable because the situation is causing more and more damage as the days go by because US Bank doesnt feel the need to stand behind what I was told or to just do the right thing. If this situation isnt resolved voluntarily by US BANK then I will have no other choice but pursue this matter further in a legal manner. Although that is not what I would want to do ; I cant sit back and be treated like Im being discriminate against and my situation not even be taking accountability for the promises I was made by your fraud Liason agents. Respectfully, XXXX XXXX | ||||||
| 12/19/2023 | Yes |
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| To Whom it May Concern- I am a husband and a father who has worked his entire life to provide a quality middle-class life for those I love. To US Bank I should be viewed as a quality customer/client/consumer of financial products. But US Bank has proven to have complete disregard for what I have worked at for my family by creating massive consequences in my small consumer life due to negligence on their end. Furthermore, after the fact being completely dismissed by US Bank with my issue despite support and validation from their own employees on the mistake that was made. As a simple consumer vs a massive organization like US Bank it is a paralyzing and helpless feeling to be treated how I have been treated and watch an organization, whos tag line is the power of possible, helping consumers achieve financial goals big and small ruin my familys ability to consume and be totally dismissed over the issue. My wife and I have spent 42 years ensuring that we are credit worthy consumers. Weve never missed a payment on anything. Not on a credit card, a mortgage ( we have over 20 mortgages currently ), a car, a boat, a HELOC, a medical bill, not even a phone line. Both my wife and I have put value in our mid to upper XXXX credit scores. We have been US Bank clients with a mortgage since XXXX when we purchased our most recent personal residence and have utilized a personal wealth advisor sine XXXX for financial advice and an XXXX open line of credit. As a mortgagee we have a jumbo loan for around XXXX on a home that is valued at XXXX which results in monthly payments of principal and Interest of about XXXX. We have automatic payments set up and have never missed a payment. Regarding my personal wealth advisor, I had an open unsecured line of credit for XXXX that Ive renewed annually for XXXX years. I would provide a log of payments made but I cant because this account has been closed by us. I encourage you to look at our payment history as proof. So What Happened? In XXXX, which is usually around when we renew our open line of credit, we never received the information usually initiated for the renewal by XXXX XXXX. So as a good consumer, knowing this had to be coming, I then attempted to contact XXXX. I was informed that XXXX no longer works there and was sent onto his replacement XXXX XXXX. At that time, XXXX XXXX took over my account and we started to explore the opportunities to renew the line of credit, close the line of credit or transition the line of credit into a XXXX, given the large equity position we have in our home ( whom US Bank holds the mortgage to ). At that time there was a small balance of about XXXX ( on an open revolving line of XXXX ) left on the line of credit which we were told a payment didnt need to be made until XXXX XXXX explored all of our financial product options so long it was before the end of XXXX because if we renewed or moved to a different vehicle the balance would be transferred. When we heard back about the options, we had to choose from we collectively decided to simply close the open line out given the state of interest rates. XXXX XXXX, proceeded to advise us to pay the outstanding balance at that time. Within 24 hours, I then logged into my US Bank account which was before the end of the month and did what I was informed to do and paid off the outstanding balance that was listed on our line of credit, below our mortgage line, which was labeled outstanding balance and there was no more amount due after the payment. Fast forward XXXX weeks and I was notified by my credit reporting company that monitors my credit, that my credit dropped nearly XXXX points due to a missed payment ( my wifes has been massively affected as well ). This was incredibly concerning to me, as stated before, I have never missed a payment in my life, so I was concerned about fraudulent activity. On the report it listed US Bank as a delinquent payment. I then logged into my US Bank account and unbeknownst to me the open line of credit somehow still had roughly a {$5.00} balance despite the fact that I paid in full the outstanding balance just weeks before. I have absolutely no idea why there would be a balance when I paid what I was told to pay, the outstanding balance. - How would a consumer know to pay a different amount than the amount stated was owed? - Why would a consumer pay more than the outstanding balance? - Why would a consumer pay more than the amount they were told to pay? - Furthermore, why would a consumer who made a XXXX payment, has never missed a payment on their mortgage or line of credit with US Bank, who routinely made payments in the thousands or tens of thousands of dollars leave a {$5.00} balance on this large of a payment. Since this transpired, I was immediately in touch with XXXX XXXX, who has been nothing but incredibly helpful, compassionate and understanding about the mistake that was made. He agreed this was a mistake and he attempted to work internally on having it corrected. He escalated it to his supervisors who also agreed this was a mistake and attempted to help have this corrected. We have this communication in email where they are asking the credit reporting team to have this corrected/reversed due to an error. Both XXXX XXXX and his department have been incredibly communicative and helpful in trying to right this wrong. They should be commended on their customer service. Unfortunately, they were shut down, told to stop pursuing this and they can not help me anymore. So, despite the support of those internal XXXX employees closest to the situation, whom were involved in the situation, whom understand the situation intimately, whom work for the same organization that is bullying my ability to consume, they are being shut down and Im left, as a simple small consumer fighting for my ability to consume against one the largest banks in the world. Maybe the worst part of all of this, is a few weeks ago we were denied a new mortgage for a vacation home in XXXX XXXX because both of our credit scores are all of sudden in the Mid XXXX range, for the first time in our adult lives. All because we were given poor information and a {$5.00} balance existed, that we wouldnt have known about on a XXXX line of credit that was open for years and always paid in full. Im not sure if US Bank is penalizing my wife and I for closing our line of credit as retaliation, because we both dont have a white ethnicity or really any reason why I am being treated so unfairly considering we did was we were informed to do which was pay the outstanding balance. I hope this situation is ultimately handled the right way and corrections are made to have this removed from my and my wifes credit reports before more time passes and our ability to consume as Credit worthy consumers is negatively impacted further. Furthermore, as an informed consumer, who has an immediate family member that is the Chief Compliance Officer at a major US Bank, I will be filing a complaint with the CFPB and we are filing an indirect dispute with XXXX and XXXX. I WOULD PROVIDE ADDITIONAL DOUCMENTATION OF OUR PAYMENT HISTORY BUT AS STATED ABOVE WE CLOSED THE ACCOUNT AND NO LONGER HAVE ACCESS TO OUR STATEMENTS. YOU CERTAINTLY DO. Additionally, you can see XXXX XXXX emails supporting this as a mistake made and asking for this to be cleared up. Please feel free to contact me. Respectfully XXXX and XXXX XXXX XXXX XX/XX/XXXX | ||||||
| 03/06/2023 | Yes |
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| US Bank has provided an very uneven and inconsistent experience with providing funds availability on business checks. Ive been a US Bank business banking customer for many years and Ive experienced very different funds availability over the years. Several times, including a recent event, Ive deposited a client check into a business banking account and US Bank has held the funds for significantly longer periods than appear to be justified. I have been a US Bank consumer customer for over XXXX decades and a business customer since XXXX, with a strong record, so there would appear to be little reason to suspect concerns on any specific deposit. On XX/XX/XXXX, I deposited a check via the US Bank mobile app. Upon making the mobile deposit, US Bank did not indicate any funds holding and the account available balance promptly reflected the deposit. It was the next day when I returned to the account that all deposit funds had been placed on hold. There are several reasons to be concerned by US Banks handling of this deposit. US Bank policy indicates that {$220.00} will be made available immediately, but that hasnt happened. See attachments with screen shots of the deposit date ( XX/XX/XXXX ) and availability as of today ( XX/XX/XXXX ). On XX/XX/XXXX, I spoke with a spoke with a US Bank rep and she could not provide specific details about the reason for the hold on funds. She did provide some general details about hold periods, but not specific to this deposit. The US Bank rep referred me to a department she referred to as eFraud department. Upon calling that department, a US Bank rep informed me the fraud department did not place a hold on these funds and the rep didnt know why a support rep referred me to them. Since the beginning of XXXX, I have deposited thirteen ( 13 ) checks from this same client and their same bank. Of those deposits, twelve ( 12 ) deposits were greater than {$5000.00}. None of those deposits incurred any difficulties in collection. Thus, the current deposit would not seem to merit any additional concerns about collectability. In reviewing Compliance with Regulation CC on the Federal Reserves guidance webpage ( https : //www.federalreserve.gov/pubs/regcc/regcc.htm ), Im concerned about US Banks adherence to regulation, at least in spirit even if not in any violation of the letter of the regulations. Below, I list regulatory expectations and comments about how US Banks actions. Regulation CC requires that financial institutions provide customers who have a transaction account with disclosures stating when their funds will be available for withdrawal. o While US Bank might have provided its terms previously and they might have them somewhere on their website, on XX/XX/XXXX, I asked a customer support rep to either send me the funds availability policy or provide a link to find them on the website. As of XX/XX/XXXX, I have not yet been provided the requested information. The institution is required to establish procedures to ensure that it complies with the requirements of Regulation CC and to provide a copy of these procedures to all employees who perform duties affected by the regulation. o XXXX XX/XX/XXXX, I contact US Bank customer support to get an explanation for the hold on my deposit. The rep had a general understanding of the funds availability policy, but was unable to provide details specific to my deposit or provide specific details regarding my questions about alternative deposit options. Regulation CC requires that financial institutions include a notice of funds availability. o Upon making the mobile deposit, US Bank did not indicate any funds holding and the account available balance promptly reflected the deposit. It was the next day when I returned to the account that all deposit funds had been placed on hold. I had no reason to question or take a screen shot the prior day, so I do not have documentary evidence, but US Banks systems would show the deposit history and when funds were placed on hold. o The funds were deposited on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any notification, either through electronic communications or traditional mail, regarding any hold or funds availability timing. For checks of types not discussed above, funds generally must be made available in accordance with a schedule specified in Regulation CC. That schedule differentiates between " local '' or " nonlocal '' checks. Since there is now only one Reserve Bank check-processing region, however, there are no longer any " nonlocal '' checks for purposes of Regulation CC. Funds from local checks must be made available by the second business day following the day of deposit. o With the deposit on Tues, XX/XX/XXXX, the second business day following the deposit would be Thurs, XX/XX/XXXX. As of today, XX/XX/XXXX, none of the funds are yet available. The Expedited Funds Availability Act requires the first {$200.00} of a deposit that is not already subject to next-day availability to be made available by the first business day following the day of deposit. o With the deposit on Tues, XX/XX/XXXX, at least {$200.00} should have been available on XX/XX/XXXX. As of today, XX/XX/XXXX, none of the funds are yet available. If [ the institution ] decide to hold funds beyond the period specified in your institution 's general availability policy, you must give the customer a notice at the time of the deposit explaining why the funds are being held and when they will be available. If the deposit is not made in person to an employee of your institution or if you decide to extend the time when deposited funds will be made available after the deposit has been made, you must mail or deliver the notice to the customer not later than the first business day after the banking day on which the deposit is made. o The funds were deposited on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any notification, either through electronic communications or traditional mail, regarding any hold or funds availability timing. Regulation CC permits financial institutions to delay, for a " reasonable period of time. '' Elegible exceptions exist. Any amount exceeding {$5000.00} may be held. Your institution must make the first {$5000.00} of the deposit available for withdrawal. o The deposit was made on Tues, XX/XX/XXXX. As of today, XX/XX/XXXX, none of the funds are yet available. Reasonable cause to doubt the collectibility of a check : Doubtful collectibility may exist for postdated checks, checks dated more than six months earlier, and checks that the paying institution has said it will not honor. The general criterion for doubting collectibility is " the existence of facts that would cause a well-grounded belief in the mind of a reasonable person '' that the check is uncollectible. o None of these conditions are present. Since early XXXX, we have made at least ten deposits Deposits into accounts of new customers ( open for less than 30 days ) : Next-day availability applies only to cash, electronic payments, and the first {$5000.00} of any other next-day items. o I have been a consumer customer for over XXXX decades and a business customer since XXXX, thus a new customer exception does not exist. Please review the case history, feel free to request any additional information or clarifications, and have US Bank explain their actions. Thank you. | ||||||
| 06/21/2019 | Yes |
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| XXXX XXXX. ISSUE : Formal Complaint about a wrongful account closure, holding my funds from me, and HORRIBLE treatment by US Bank employees. On XX/XX/2019 I decided to open a checking account with US Bank. My initial deposit was at LEAST over {$3000.00}. I thought that it was a great Bank of Choice and then I would be treated fairly as a valued customer. This simply was not the case .... ( I would love to attach my transaction history and account information to this, but unfortunately US Bank has made it impossible for me to access this information using my mobile app or any other form of banking to access ANYTHING concerning my account. ) Not in the least way was this the case. I have found out over the past few days that being treated like a respectable human being just trying to do their normal banking activities would be impossible with this is financial Institution. I was treated like a second-class citizen who's priorities, safety, and sense of security and knowing that a financial institution had my best interest at heart, did not matter to the u.s. bank branch that I signed up with. My account has now been undeniably wrongfully CLOSED. After being FROZEN while I was across the country for vacationing purposes. In California, right before I flew to XXXX I was told by US Bank customer service that I had to talk to someone at my home branch, which is in XXXX XXXX Arkansas. The branch is located on XXXX XXXX XXXX in downtown XXXX XXXX. Upon calling in the employee named XXXX told me she would call me right back after she found out more information because she could find nothing blocked on her end. I never got a call back instead I waited until literally the day that I arrived back in Arkansas and went straight to the bank to figure out what the issue was and how to get my account so that I could access my funds. I was told by the teller I'll have to speak to one of the two Bankers that were there in the manager was absent until the upcoming Monday. The two Bankers that I spoke with were very very very very rude and told me that my account has been closed due to fraudulent activity. Funny because there was no fraudulent activity on my account. The only instance of fraud was on the incident that XXXX charged me two times for an item that I only purchased one time. This was not fraudulent, this was just a technical mistake I guess you would call it. Another is when I first open the account there were a few minor minor charges, nothing over like {$12.00} Max that were made using XXXX XXXX because my XXXX account was signed in to another person 's phone and they mistakenly made these purchases using my XXXX account information. These very minor and simply solved issues should be no reason for my account to be closed out of nowhere unexpectedly and then to pour salt in the wound and telling me that I can not have my cash that is in my account because they are in the " process of closing my account '' when I asked when it would be closed or who I could speak to to get it closed faster so I could access my funds, or EVEN ask her what the reasoning was for this, she was very short very rude and told me there was absolutely no way on Earth that I could get my funds. I would have to wait WEEKS possibly MONTHS to receive a cashier 's check for the amount of my remaining balance in my account. THIS IS RIDICULOUS AND UNBELIEVABLE. THE EMPLOYEES AT MY HOME BRANCH COULD HAVE EASILY AND STILL CLULD EASILY REMOVE THE BLOCK ON MY ACCOUNT. This would allow me to get my funds out that I have in my US banking account that are rightfully mine in my account of their system and into pocket, or other financial institution, so I can use it for things like rent food gas and everything else people trust their Bank to hold their money for them to use for. The issue begin around XX/XX/XXXX. I had been traveling to California, and being Arkansas resident I definitely had set a travel alert on my US bank mobile at so that nothing would be flagged for unusual activity on my account. Well on XX/XX/XXXX I tried to take a XXXX ride like I had been doing using my u.s. bank debit card. I was unable to do that and the app told me me to contact my financial institution. I contacted US Bank approve the charges on the list and was told that everything would work fine. But this was simply not the case I ended up having to call US Bank three to five times before my card would work using XXXX again. This probably makes it look like there was a lot of fraud activity on my account, but in actuality there was no fraud like this on my account. I tried to correct the issue and did everything asked of me by US bank. If the employees who placed a block on my account would have actually taken the time to listen to me explain the situation I would not be in this dire predicament because of these employees and their lackadaisical attitude toward me and my finacial matters. After thinking the issue had been resolved, I tried to use my card somewhere else and it did not work a phone calling US Bank customer service back yet again I was told to go to a US branch in California, where I currently was located, and get them to make me a new temporary card. I went to a California u.s. Bank branch and was told that I had to go to my home location where I open my account and it only they could resolve it. This makes things a little difficult considering the fact that I'm thousands of miles away from my home location. I called my home location and was told that I had to be there in person or nothing could be done, but if I came in person that I would have no issue with getting my money out and fixing my account. This was a flat-out LIE, as I flew home went to the bank and then all of THIS account closure MESS happened, and I was informed after my second visit yesterday ( XX/XX/2019 ) that my account was being closed and that I would not be able to get my funds, unless I wanted to wait WEEKS or months after the account closure was completed and receive a cashiers check. ALSO she refused to give me ANY date as to when the account closure process MIGHT be completed. As I stated before, This is TERRIBLY wrong and it feels like I am being ROBBED by the people whom I trusted my money with. I want my money now in CASH, and a sincere APOLOGY from US bank!!! I do not want to have this account anymore. I don't want to ever do business with such XXXX people who have no concern for my wellbeing ... It's disgusting and they cause SERIOUS issues for those trusting people who put their business in line with this crooked Institution. I have a XXXX XXXX XXXX account and I would rather do business with them. US Bank owes me an apology and I deserve to have access to my funds IMMEDIATELY. I just want my funds now. My money is mine and there is no sense in all of this confusion and Madness caused by u.s. bank and their lack of customer service interaction and understanding. I've never seen anything like this in my life and everyone I talked to agrees that I've been treated severely wrong and that this matter needs to be resolved on the highest level possible, so u.s. bank can not do this to any more customers like me. Thank you for taking the time to read my formal complaint and request for my horrible situation that I'm going through right now with the financial institution, US Bank. XXXX XXXX. | ||||||
| 10/12/2022 | Yes |
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Web | Older American |
| XX/XX/22 I was called by a US Bank branch manager in another city to inform me that a male tried to cash a fraudulent check that was made out to my name, and fraudulently endorsed by signing my name in the amount of {$3000.00} using my US Bank checking account number, and advised me to go to my local US Bank branch, notify my branch of the Identity Fraud breach, and close my account immediately- which I did within XXXX. - I was told by my local branch consultant my account was closed/locked for further transactions ; and that my balance was transferred to my XXXX Account temporarily, and to come to the branch to setup a new checking acct. XX/XX/22 I filed a Police report on the above event. XX/XX/22 at my US Bank branch appt to set up new checking acct, and then transfer my balance into the new account, the bank consultant reported noticing a {$3200.00} check reversal charge placed by US Bank on my prior " closed '' /frozen account - and discovered that on XX/XX/22 in XXXX XXXX cashed a fraudulent check on my account - and that the banking system had not passed it through until XX/XX/22, but that a reverse charge was placed on my closed/frozen account for {$3200.00}, and a {$19.00} returned check fee, and a {$36.00} overdraft charge on the closed/frozen account XX/XX/22 picked up a copy of the fraudulent {$3200.00} XXXX check from my US Bank branch XX/XX/22 I XXXX XXXX formal paper US Bank fraud report and affidavit to U.S. Bank Claims Services - XXXX XXXX XXXX XXXX as advised by my US Bank consultant XX/XX/22 My wife and I noticed 4 of our personal checks had not reached payees - and my wife remembered mailing all 4 checks at the same time in the Blue Mailbox in front of our local US Postal branch ; also XXXX the local news had just reported that there was an individual using a stolen US Postal Service key to steal mail from the US postal boxes in our county. I notified my local US Bank branch and when I requested cancellation of those four check numbers. I was told that since the account was closed/frozen that the checks would not cash. - also on XX/XX/22 mailed the paper original copies of my US Bank XXXX report and Affidavit and supporting documents to U.S. Bank XXXX XXXX - XXXX Check Claims Dept XX/XX/22 filed Police Report on the 4 checks stolen from the US Postal Service blue mailbox in front of my local XXXX branch XX/XX/22 Called U.S. Bank XXXX, Claims Services - XXXX Check Claims Dept to check on status of my account ; reported the XXXX stolen check information - agent stated it was under review, to call back on XX/XX/22. XX/XX/22 called U. S. Bank XXXX, Claims Services - XXXX XXXX XXXX XXXX to report my branch notifying me of XXXX electronic deposits to my old account that were for my wife 's Social Security and pension payments ; I requested transfer to my new acct ; told this would be under review. XX/XX/22 Sent in additional documentation letter, copies of the XXXX Police Reports, and cancelled copies of the XXXX cancelled stolen checks to U.S. Bank XXXX XXXX - XXXX Check Claims Dept XX/XX/22 called U. S. Bank XXXX, Claims Services - XXXX XXXX XXXX XXXX ; was told still under review, confirmed receipt of all info needed; was told the review would be complete by XX/XX/22, then would need 1-2 wks to resolve my requests XX/XX/22 obtained closed/frozen account transaction register from my US Bank Branch - no further transactions had occurred ; called U. S. Bank Fraud XXXX Claims Services XXXX XXXX Check Claims Dept and was told no further action could be taken on the closed/frozen account until it was formally closed. I explained that I had requested account closure repeatedly at my branch, and via the US Bank XXXX dept line - but the US Bank was holding the acct XXXX due to the negative balance ( which was due to the fraudulent check reversal charge which the investigation was about ). Agent stated she sent a memo to the review agent and he would review this week- asked me to call back at beginning of next week ; agent stated that the fraud review dept was running behind and that it was taking about 6-7 weeks from the initial fraud report to get a conclusion. I Noted that from XX/XX/22 ( formal fax filing ) to XX/XX/22 was XXXX8wks so far and counting .... XX/XX/22 called U. SXXXX Bank XXXX, Claims Services - XXXX XXXX XXXX XXXX ; was told that now my review was still pending, that it could take months or more, but that the hold up was that the account would need to be formally closed prior to further action or review, that once the account is closed it will take another 6-7 weeks to review ; states she saw that the request to close was already in place, that no further info was needed, and was not sure why the investigation could not proceed - states she sent another memo to the fraud review agent to request completion and pointed out all the prior requests, and that it all depended on the US Bank agents to close and complete the review XX/XX/22 after my call, I received a letter on XX/XX/22, dated XX/XX/22, stating that Account Action Required : " due to the fraud against your account ( s ), you are required to take the following action against your account before U.S. Bank can process your claim : Fraud Prevention : Compromised account must be closed and new account opened, or Indemnification Letter must be signed ( if compromised account will not be closed ). Please send email to XXXX when fraud prevention is completed .... Please note that if we do not receive the requested documentation within 30 days of the date of this letter we will consider this matter resolved and your claim will be closed. At that time, any provisional credit to your account as a result of this claim will be revoked. If the reversal of this provisional credit causes the account to become overdrawn, please contact the branch to discuss your options on this account. '' XX/XX/22 I went to my branch to request/confirm closure again and to be paid the remaining $ in my closed/frozen account to my new account ; was told by my branch consultant that she could not effect this due the account being frozen and in process of closure since XX/XX/22 ; I explained the US Bank Fraud team told me that my local branch needs to close the account - my local agent states that she had been told by the US Bank Fraud Dept not to do further action on the account, and actually could not take any action to the to ongoing Fraud investigation and that that account remained " frozen '' and in process of closure - the exact same status it has been since XX/XX/22 I have requested beginning XX/XX/22 to date : 1. Please remove the fraudulent - {$3200.00} XXXX XXXX Items charge from my acct 2. Please remove the Return Check fees {$19.00} XXXX. Please remove the Overdraft fees {$36.00} 4. Please transfer the final {$160.00} residual in my prior acct to my new checking acct ; this amount was to cover a pending payment and my US Bank Branch Consultant recommended it be left in the account but the payment was denied anyway. 5. Please transfer to my new acct the XXXX deposit {$1000.00} from XX/XX/22 6. Please transfer to my new acct the XXXX deposit {$230.00} from XX/XX/22 7. I now ask that you recognize that US Bank has been holding up the closure of the prior frozen/closed checking account and that US Bank is retaining {$1400.00} of my money that should be transferred to my new account | ||||||
| 11/10/2023 | Yes |
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| Hello, I deposited my XXXX check into my new bank account at US Bank on XXXX XXXX & the manager helped me! He told me there would be a {$200.00} release immediately, & the rest of the amount would be deposited today XXXX XXXX. We discussed the issue & I explained that I must pay my mortgage & on time & how serious this is to my future, & also how my power will be shut off in days, & he said there would be no problem, {$200.00} was released immediately, & the rest would be available the next morning. He made the deposit. Then, I dont have a debit card yet, the account is only a few days old, so I asked if I could withdraw {$100.00} with him, & he said yes & withdrew & gave me {$100.00}. We discussed how I only take XXXX, so I made sure the {$100.00} would be available for funds, & again, I was told yes it would be. I take XXXX from the bank & order XXXX XXXX with my account. Then I look into my mobile app, & my account is {$190.00} negative, & I am completely concerned as I have never used the account until I left the bank that day, & where I made a {$2500.00} deposit, leaving me with {$100.00} in my accnt, & withdrew {$100.00}, as {$200.00} was released & the rest would be today. I immediately call US Bank & the first employee informs me the total amount of the check was put on hold, & no funds were ever released & no {$100.00} deposit was made, & the {$100.00} withdraw the manager made put me overdrawn & overdraft fees I was charged {$36.00} for that, while I WAS IN THE BANK! I was never informed of any fees on this withdrawal or that I had insufficient funds when the withdrawal was made by the manager. Then, my XXXX XXXX and my XXXX XXXX were also tallied onto the negative balance and all transactions got fees, & that was how I was {$190.00} negative! Within hours of making a first deposit to my 2 day old account that I had never used until I left the bank that day! Where the bank manager told me {$200.00} would be released immediately & the rest would be the next day. I have never heard of anything like this is in my life, & I do not even have a debit card, and the reason why he made the withdrawal for me. I explained to her what happened and she waived one fee from the XXXX dollar withdrawal, & that I needed to contact another department who would handle it from there. I immediately contacted that department who informed me that they were not familiar with Branch procedures, and that the branch manager did not know that there was going to be a hold placed on it, & that he was overridden afterwards by a back department. Only the branch manager I was told could handle it and take off the hold, and fix my account, and that she sent the manager an email detailing everything and that I was going to be calling or going into the branch this morning! When I called the branch this morning, I was told the branch manager was not in today. I asked to speak with whoever was in charge, and another woman got on the phone and explained to me that he did believe that {$200.00} was released and that the rest of the funds would be available this morning. She explained how employees are unaware of another departments procedures & that they would place a hold on my checkand now the hold can not be lifted by himself! There is a 7 day hold placed on my XXXX benefits, my account is {$150.00} negative, on an account I have had 2 days, & was told by the branch manager {$200.00} was released & the rest would be available today. I was later told that when the branch manager made the withdrawal, the funds were available, but immediately after he made the withdrawal, another department then put the entire check on hold, & so the withdrawal he made for me made my account negative! How is it legal that a branch manager can tell a customer information about transactions in their account, then withdraw from an account with no available funds, never informing the customer who is completely unaware of any of this activity, which leaves the customer to pay monetary consequences because of this information? I am outraged that my new bank branch manager can tell me information about my account of any kind that is not accurate & /or expires period.I am wondering if thats ok that this wrong information given to me about my account, & a withdrawal made by the branch manager himself could put me overdrawn in the negative and incur such fees on a two day account that I had never used, but when I left the bank, being told I had funds available? It doesnt matter that he believed what he said was true, or if it was true at the time, because regardless, it was wrong information. There was no money or funds available in my account & the check was not deposited into my account the next day. So what he told me was happening with my account, is not what happened period, & therefore it can not be the correct information. The lady that I spoke to when the branch manager was not available, kept explaining to me what happened. I know exactly what happened as I am the person it happened to. I am not debating what happened. I am asking how what did happen is appropriate business conduct & acceptable procedure for a customer? Now, I will not receive my XXXX benefits until the middle of the month, & I will not receive the full amount due to this issue from the start. I will be even later paying my mortgage and bills. All of the fees will increase from before, I will be further in debt, & Im sure my credit score will be affected. All of these consequences & I have done nothing wrong literally! This is unacceptable treatment to me & just not right to do to someone. My power is going to shut off in days, & I am trapped at my home with no money to XXXX or for food while my benefits are on hold. I cant imagine this is ok. I feel uncomfortable going to the branch, and I dont trust what the employees state to be true information about my account because that information could be wrong after they tell it to me. I am concerned that my account will not be handled correctly because of this issue, & the employees will not help me appropriately now. I dont feel this bank has my best interest in mind. I am having a letter written to XXXX XXXX from USBank explaining this bank procedures & why I will be late making my mortgage payment at such a critical time. Id also like to ask in your wisdom, if the situation of a branch manager giving incorrect information to a client about transactions in their account is ok practice to do, whether they knew the information to be correct or not? I feel like a bank employee giving a client information about their account should know if it will be correct, & not able to be over turned or made wrong by another department & I am being taken advantage of. If theres any knowledge or advice anyone has I would greatly appreciate it. I am very concerned that I can not trust what information my bank manager tells me cause he doesnt know what another department will say! I cant imagine its legal practice for an employee to make a deposit into your account making {$220.00} available, then withdrawing {$100.00}, while having no knowledge its being overridden by another department who holds the entire amount, making no funds actually available, to put you overdrawn with fees from the {$100.00} the very employee withdrew themselves? I dont believe that this could be legal practice! | ||||||
| 03/23/2022 | Yes |
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| In regards to refinancing my US Bank loan, see case XXXX I had applied for a loan which was declined because of discrimination by one of the employees XXXX XXXX I had received a response which had a lot of discrepancies and lies. When I tried to clarify the numbers the company once went dark on me. Even after emailing to CEO of UsBank XXXX XXXX XXXX hoping it would solve the issue I never got any reply When I reviewed reply Unfortunately as I had suspected and raised my hands many times many discrepancies still persist. I had emailed the supporting docs again to XXXX and he went dark 1. You mentioned in your emails and correspondence to the CFPB that you were not being provided the details of your loan denial and felt you were being unfairly discriminated against by sales manager, XXXX XXXX, and our underwriting department. You also felt that you were being pressured into accepting the declination of your loan application by XXXX without being provided a breakdown of your debt to income ( DTI ) ratio or principal, interest, taxes, and insurance ( PITI ) payment. During the processing of your application XXXX spoke with you on several occasions via email and on the phone. This is a complete lie. XXXX could not explain any of the numbers. When I confronted him to share it via email and set up a call to review it, he simply refused. 2. In addition, after your application was declined, he also made several attempts to explain the details of your denial and respond to any additional questions you had with regards to your DTI. XXXX also communicated that our senior underwriting managers conducted an additional review of your application file. I apologize if you felt disrespected at any time during your conversations with XXXX This is a lie again, XXXX had threatened me and told me I will not get a loan from US Bank under any circumstances, used profanity as well as accused me of bullying because I kept asking him to provide a DTI/PITI breakdown while he could not explain them. 3. I apologize if you felt disrespected at any time during your conversations with XXXX. XXXX, I cant accept your apology because I don't think its sincere, Frankly speaking, I dont understand XXXX XXXX why you had been continuously covering up lies from XXXX who simply does not give a XXXX about his job in my humble opinion. I am a very experience Real Estate Investor with a mortgage background, XXXX is incompetent Manager unable to provide a simple DTI/PITI breakdown that Underwriter had probably communicated to him several times, this person should not be holding a Manager position at a reputable Bank in my humble opinion. 4. In your XX/XX/XXXX, email to our chairman, president and CEO, XXXX XXXX, you requested that we provide a breakdown of your DTI/PITI. It is important to note that the initial underwriting review was based upon the verifiable income documentation provided by you at that time. The initial underwriting review reflected a combined total borrower income of {$9600.00} ( Borrower 1 as {$1300.00}, Borrower 2 as {$8000.00}, Net Rental Income {$200.00} ), which resulted in a DTI of XXXX XXXX, and exceeded our maximum allowable threshold of 45 %. Your qualifying PITI was {$7300.00} ( XXXX & I {$6100.00}, Homeowners Insurance {$86.00}, and Property Taxes {$1000.00} ). XXXX. Can you explain how did you come up with PITI was {$7300.00} ( XXXX & I {$6100.00} payment on XXXX mill? how was this payment calculated with XXXX XXXX rate i/o for XXXX year loan? ) 5. In addition to the review outlined above, an additional senior level underwriting review was completed on XX/XX/XXXX, which XXXX discussed with you on XX/XX/XXXX. This review was conducted using all the documents you had provided after the initial review was completed. The combined total borrower income was {$15000.00} ( Borrower 1 as {$7900.00}, Borrower 2 as {$7300.00}, Net Rental Income {$470.00}, XXXX {$240.00} ), which resulted in a DTI of XXXX XXXX and still exceeded the maximum allowable threshold of XXXX XXXX. You mentioned that the income from your home rental was ignored ; however, it was not ignored, and it was calculated by using a 24-month average. Your estimated qualifying PITI was {$6200.00} ( XXXX XXXX XXXX {$5000.00}, Homeowners Insurance {$86.00}, and Property Taxes {$1000.00} ). 5a. Why was Borrower 2 income had decreased from {$8000.00} to XXXX? Please provide a breakdown how was my XXXX XXXX income calculated as she has multiple employers? 5b. Your estimated qualifying PITI was {$6200.00} ( XXXX & XXXX {$5000.00}, how was payment calculated on XXXX loan? My rate lock is at XXXX XXXX interest only XXXX yr loan I am calculating i/o payment at XXXX vs XXXX, something is seriously wrong here and way off 6. You mentioned that you included my rental income in my DTI, but I don't think that had happened. Borrower 1 income is XXXX Borrower 2 Income XXXX Interest and Dividends are calculated incorrectly see more for details later down below in my email My income does not include rental home income of XXXX per mo. from a new lease agreement that somehow it gets ignored/lost several times I am attaching it again. 7. Regarding the payment calculated for your sons college, the statement you provided does not reflect any payment amount, rate, or term to calculate the payment. Also, the student loan is in deferment and no payment was reported on the credit report. Therefore, the student loan payment was calculated using XXXX XXXX of the balance, which was explained to you by your mortgage loan officer, XXXX XXXX, on XX/XX/XXXX. I had informed XXXX and XXXX that since you could not calculate payment correctly because my XXXX XXXX college loan was in deferment I changed the terms to start paying it now and submitted a revised statement, obviously it was ignored as many other docs and not looked by your Underwriter as was stated. My mo. payment is XXXX, see attachment one more time. 8.. However, the only item you provided to support your XXXX income was a spreadsheet for XXXX distributions ; nothing for XXXX or XXXX and we were unable to locate any corresponding income reported on the XXXX you provided. Not true for XXXX debt fund, I had shared XXXX for XXXX that showed income of XXXX and and a bank statement that had quarterly distribution of XXXX on XX/XX/XXXX both docs were provided to XXXX and XXXX, but somehow miraculously were lost and ignored, re-attaching all docs again for your reference. Please consider adding additional XXXX per mo. income going forward as my balance is XXXX at XXXX XXXX annual interest It continues to amaze me that I am not getting a fair treatment after so many emails, complains and escalations. What has to happen for someone to take charge and do a thorough job of reviewing my loan file? I am not asking for a miracle but for a fair underwriting which is still not happening, so many docs are being lost/ignored/misinterpreted. I am kindly requesting another XXXX, Underwriter to look at my file yet again, because it was not looked with correct documents Please move away my file from XXXX and his XXXX Underwriters as far as possible, I don't trust them at all. XXXX XXXX Looking forward to your reply and receive more details. Please let me know if you have any questions or need additional clarification. | ||||||
| 10/21/2019 | Yes |
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| Reopening Claim : XXXX Initial Complaint : violates visa/us bankfraud protect garunt. not enough characters. Card was open just 3 months before I noticed ~2/3 of all transactions on this card ( via electronic statement access ) were fraudulent. The bank did not contact me in any capacity in just three months of rampant abuse when the card 's numbers were used out of state, internationally, repeatedly for the same charge and multiple charges a day from the same vendor, for mostly XXXX purchases not associated with my identity and out of state and country purchases made concurrent with in person charges i made in california. I can not quantify with any accuracy what % of credit was fraudulent, but with a balance of ~ {$6500.00}, knowing I made a 0 % transfer of $ 3K-5K ALSO ILLEGALLY UNDOCUMENTED BY US BANK, and with nr $ XXXX in fraud, that's over 100 % fraud vs. legit transactions. I repeatedly called the fraud division and corporate offices to ask for full credit card forgiveness and was denied it by the 877 number and not allowed to connect with a corporate office professional at all.Compliant with the XXXX and US Banks 's false/unsubstantiated 24/7 protection compliance in reporting suspicious activity, I am entitled to for full card forgiveness AND DAMAGE, and with each supervisory call and each correction I found more mistakes in having to report that tripled the size of my 3-mo bill -- with more transactions to void than possibly can be validated in frequency and number of occurrences ' ; without a single flag -- in context of my credit cards always getting flagged even when I do give travel notice -- when the card was used internationally despite lists of suspicious XXXX activity, not even a red flag there. I was actually protected from all foreign transxn fees to my knowledge but even so, I received not one call or flag ever from US Bank or Visa. I canceled this fraudulent card and left it open compromising my security. US Bank Response : Re : Consumer Financial Protection Bureau ( Case No. XXXX ) Dear Ms. XXXX : [! I ; jbank. usbank.com U.S. Bank has received your request for assistance from the Consumer Financial Protection Bureau. We appreciate the opportunity to respond to your concerns. In your correspondence you express concerns regarding our effort to protect both our account holders and the bank, we have established fraud detection systems, which monitor authorization requests and transactions for every account. Certain criteria, including current fraud trends, locations of the transactions, the type of transactions, and authorization amounts may flag an account for potential fraud. In the majority of circumstances, this system is effective in preventing fraud. Although no bank error had occurred, we have elected to grant you a {$50.00} cash plus reward bonus to your account. This will be reflected on your next billing statement. Our records reflect that on XX/XX/XXXX, we initiated a fraud claim on transactions totaling {$800.00} made between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we issued provisional credits for the transactions totaling {$800.00} XXXX to your account, credited {$0.00} for the foreign transaction fees and mailed you the enclosed Statement of Fraud letter. Please note that provisional credits are provided with the understanding that if your claims are denied, our credits will be reversed. On XX/XX/XXXX, we added a transaction to your existing fraud claim for {$11.00} with the merchant XXXX XXXX XXXX, we issued provisional credit for the transaction, and mailed you the enclosed Statement of Fraud letter. We also sent you the enclosed letter advising you that we had concluded part of your fraud claim and the provisional credit that was issued totaling {$64.00} is now final. On XX/XX/XXXX, we sent you the enclosed letter informing you that we have concluded another part of your fraud claim and the provisional credit for {$540.00} is now permanent. On XX/XX/XXXX, we initiated a fraud case on transactions totaling {$960.00} plus a credit of {$110.00} for applicable interest and sent you the enclosed letter. On XX/XX/XXXX we sent you the enclosed letter advising that we have also concluded your fraud claim and the provisional credit totaling {$960.00} is now final. On XX/XX/XXXX, we sent the enclosed letter advising you that your remaining fraud case totaling {$210.00} had been resolved and the provisional credit is now final. In your correspondence, you express concerns regarding a balance transfer. Our records indicate that on XX/XX/XXXX, we sent you the enclosed letter advising that the balance transfer that you had requested for {$10000.00} to XXXX was not processed due to Insufficient funds. At that time, you had a credit limit of {$3500.00}. On XX/XX/XXXX, we sent you the Creditor is U.S. Bank National Association, c/o U.S. Bancorp Service Center , Inc., XXXXXX/XX/XXXXXXXX, XXXX, ND XXXX ~ XXXX usbank.com enclosed letter advising that we approved a credit line increase to {$20000.00} that you had requested and but there were no new balance transfer requests. In your correspondence, you also expressed concerns regarding the card not being closed when you called to report fraudulent activity on your account. After reviewing the telephone interaction, we can confirm that, you had asked the supervisor in the Fraud Department not to send you a new card as we could not send you documentation listing out all valid and frauduler transactions, other than a copy of a billing statement. The supervisor did not proceed with sending you a new card. If you would like to close your account, please contact the Customer Service department at the below phone number. Please accept our apologies for any inconvenience this matter may have caused you. If you have further questions concerning your account, please contact our Cardmember Service Department at XXXX ( we accept relay calls ). Sincerely, XXXX U.S. Bank Retail Payment Solutions Office of the President cc : Consumer Financial Protection Bureau Response to US Bank : The bank has not in anyway addressed to two key issues with card ; 1 ) 2/3 of card transactions were fraudulent and US Bank and Visa both provide/advertise the card as having premium security features. 3 months of illegal foreign transactions, out of state transactions, numerous transaction in a row with the same vendor, nothing was ever flagged for my attention as suspicious and I had to dispute and redispute each individual transaction when the Company and its Visa sponsor did nothing to protect my consumer identify and had no security clearly monitoring my card. My other cards wouldn't even work in another country, and sometimes don't when i do authorize. There is no security feature let along a premium as you advertise. 2 ) I absolutely canceled the card due to the security breach. I asked not to send me another card because of the security breach and implied in that is I don't want another card, not keep my account open and not give me my card. You left my account open and exposed to identity theft after all that I had done to close the card and my account. For the failure to have the technology and provide security coverage both US Bank and Visa claimed to have for this highest grade card -- clearly was not there and you left me exposed to more fraud for years. | ||||||
| 05/06/2023 | Yes |
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| I had been w/ US BANK ( home branch located in XXXX XXXX Illinois and Branch Manager, XXXX XXXX XXXX whom was always kind to me )! I opened an account in XXXX with XXXX XXXX and opened a joint account that the other person on the account closed without my consent a couple months later. I had looked back several years and seen from the advice of one of the US BANK representatives on the 24/7 phone number that I was being charged such an excess of Overdraft Fees that she had NEVER seen before. They went over what the law allows the financial institutions to charge in one day by thousands of dollars! I had cash run through both accounts and used my account quite frequently, until Covid hit and I feel as if I was not treated fairly and lied to twice by one of the bank tellers that was supposed to fax over about 35-50 pages of DISPUTES to the proper office! I had originally had them inside of envelopes with stamps on them ready to mail, and I gave them to the bank teller before she left work and she promised that she would fax them over. I had a bad feeling in my stomach and I definitely was right. The bank teller did none of this sort. They never ended up going to the US bank dispute department so that I could get my money back from a few places, XXXXXXXX XXXX XXXX XXXX included for over th {$1600.00} that was coming out of my account every month for my XXXX XXXX XXXX that he purchased when they were still sprint and it never ever showed up at the doorstep. The only thing that showed up was a note that they couldnt deliver an item like that I had called XXXX several times, which is now XXXX and never ever. Would they send another phone it was never ever activated in his name. They even saw that somewhere around Wisconsin. Somebody tried to activate the device and it was to be mailed to XXXX Indiana not Wisconsin or Minnesota. XXXX or XXXX got all their money back from the first dispute. I was paying monthly out of my account for this phone that never ever showed up and was apparently insured when finally it came down to letting them know that he was going to leave the company, XXXX XXXX actually offered to finally mailed the phone that was enough. New phone was already purchased and my money was gone. I just want my money back into stay back.! Well, I was very disappointed that the bank teller after being there for five years, never ever faxed my dispute papers in about 50 pages or so that I spent hours writing for what I never received and the reasonings, and just everything in detail even police reports that were made. XXXX or XXXX XXXX now just had got their money back and also also they put on my fiancs credit report that he owed them over {$1600.00} as well for that phone. How could they get paid their money back which was taken out of my account and put me in the negative in my account was closed because of this and then on my fiancs credit report its on there that he owes them money as well. They are really making out from that and completely destroying. My fianc is Credit as well as mine with opening up a bank account after being with them and having at least {$50000.00} of cash or {$50000.00} go through the account and even more every single year for five years! Earlier in the year of XXXX I was taken for I believe it it had happened when I was in the hospital and somebody took my card and they stole almost {$10000.00} from me. I dont know how they got my information and my money was given back to me since it was in during the pandemic then I ended up looking at my account one day, and all of a sudden they took the money back. My money was supposed to have been insured by the FDIC, and they promised over and over again to mail the paperwork for The fraud and for me to sign and they never ever mailed it not once they acted like they didnt even care and the person who made sure that I got my money back right away was almost in tears when she heard the story she was wonderful on the phone. Im actually a XXXX person so I would talk to a lot of people that worked midnights And I really did love my bank. I would love to have my bank account back at US Bank, and I would love this matter to be taken care of, and especially looked into about how many overdraft fees that I was charged over the years and especially on the joint account that was close by the other party. Once again, one of the bank representatives from US Bank over the phone told me that it was against the law how many overdraft that I had been charged daily it went over thousands of dollars over the years and I was due that money back. Apparently its in a credit, or its against my credit right now and theyre trying to collect a debt. I would hope that somebody could work with XXXX XXXX XXXX with having my account opened back up and this issue resolved as soon as possible. I really enjoyed him and I could trust him and I probably should have went to him to talk about this however, he had no control over what the big bigger parties did in this process, I also want to mention that I was given a letter right before the pandemic started that one of my insurance companies had an encryption issue, and I had passwords my Social Security number my ID, a whole bunch of information about myself. It was hacked into, and they apologized profusely and now there were several other entities that are saying I owe them money and I do not even know who they are this insurance company that I dont even know whom they are offered me some {$200.00} identity theft or the best one for the year which I did not go into since a lot of it was true and traumatic at the time now I would hope that somebody can help me to resolve these issues as well. I will come back and fill this out to the best of my knowledge my bank account was closed from US-BANK I believe in XX/XX/XXXX. This was completely wrong. I am definitely owed my money back plus my money back from when my card was stolen plus some money back from other places and entities that had stolen from me. I was even send messages that my information was on the dark web. I would like to get this whole spiderweb of things cleared up on my credit as soon as possible and I thank you so much for your help in solving this issues as soon as possible. I pray God blesses you all with abundance in every area in every way needed plus more and I thank you very much for listening and reading my long message here. I hope that I was very thorough, if you need better dates Im sure I can provide them however, I do not know the exact dates and times. Thank you very much and God bless once again if you can, please get a letter to this company. I do not want to be in collections for this, and I would like my bank account back my money back, and my fianc would like his name to be off of the Credit-Bureau list for XXXX XXXX XXXX Basically theyre trying to get money from it some thing that was stolen and never or never sent out they got their money back from my account that was disputed and a police report made and then they wouldnt since we were not gon na stay with XXXX once they decided to want to mail the XXXX XXXX so now you know this was quite a few years ago they went and they put a {$1600.00} charge on my fiancs Credit report with XXXX XXXX XXXX XXXX and XXXX. Thank you very much. Sincerely & Truly Yours, XXXX XXXX XXXX XXXX | ||||||
| 12/25/2020 | Yes |
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| So I get unemployment on the ( Reliacard ) US Bank, on XX/XX/XXXX find out through a declined purchase these XXXX turned off my card and are refusing me my money because I updated my address on the unemployment website, not even theyre website. Its a secure and gor so angry I hung up. website.I called US Bank on XX/XX/XXXX I called back was told to send a picture of my drivers license and a selfie XX/XX/XXXX over the website verifyusbank.com/Id if I remember correctly and it will take 24 to 48 hours. Not once so us bank contact me to inform me they locked my card and to date my card is still locked. They will not return the money to unemployment and they wont let me have it. Ive asked for supervisor on XX/XX/XXXX and was hung up on. On XX/XX/XXXX I asked for the representatives employee id number and again was hung up on. Us Bank has made no effort to inform me of of any thing actions theyve taken on my account just are keeping my money.I had to call and ask why I cant access my unemployment deposits. On XX/XX/XXXX I spoke with unemployment and two supervisors there who state my account should not be locked. So I went into the bank on XX/XX/XXXX and was told US Bank does not have control of the card but thats a lie because they froze my card. On XX/XX/XXXX I again called as we are way passed 48 hours and they will not contact me re : I.d . Issues nor have they released my funds. And the representatives do not have any info they say. So who os accountable. Us bank denies accountability yet are the ones stealing my money. Visa isnt and refers me to US Bank as does unemployment. The bank is anything but transparent and Im still broke and XXXX in the cold on XXXX so greedy bankers can go on nice vacations and exploit me when Im most vulnerable. I read an article in the XXXX Colorado XXXX County news stating XXXX XXXX XXXX has been inundated with fraud complaints exactly like mine since XX/XX/XXXX!!!!!!!!! Its very close to my story. I have {$230.00} I can not touch because of this fraud by US Bank. They locked my card access for updating my address on the unemployment secure account website. Ive never in my life had a bank block me from my money because I updated my address as I am legally bound to do and its a mailing address on another site. Here is the article below. Unemployed chef says her U.S. Bank ReliaCard was frozen due to fraud concerns, funds not available Attempts to verify her identity were unsuccessful items. [ 0 ] XXXX By : XXXX XXXX Posted at XXXX XXXX, XX/XX/XXXX and last updated XXXX XXXX, XX/XX/XXXX Editor 's note : XXXX seeks out audience tips and feedback to help people in need, resolve problems and hold the powerful accountable. If you know of a community need our call center could address, or have a story idea for our investigative team to pursue, please email us at XXXX or call ( XXXX ) XXXX. Find more XXXX stories here. XXXX -- The XXXX XXXX inbox has been flooded for months with messages from viewers who believe they are a victim of fraud involving unemployment claims and the U.S. Bank ReliaCards being used to distribute those funds. Contact XXXX previously reported on a fraud scheme that is plaguing the Pandemic Unemployment Assistance ( PUA ) program. People often find out they've been victimized when they received a U.S. Bank ReliaCard in the mail, even though they never filed an unemployment claim. Now, it seems like an attempt to crack down on fraud is preventing unemployed Coloradans from accessing their unemployment benefits. Contact XXXX has received several tips from viewers who say their cards have been frozen leaving them unable to access the funds. " I went to use the card and it was declined. I called the number on the back of the card and the woman told me there had been a block or a restriction placed on my card because of the amount of fraud thats been going on, '' said XXXX XXXX. XXXX has worked as a XXXX for most of her life and has been laid off twice this year. The first time she filed for unemployment was back in the spring, and she used a U.S. Bank ReliaCard to receive those benefits. XXXX said it worked great, so she was planning to use the card again when she filed for unemployment in late XXXX. " So I reopened my account for the unemployment and thats when all of the issues started to happen with this card, '' said XXXX. After her card was declined, she was able to reach several customer service representatives at U.S. Bank ReliaCard who told her how to verify her identity. XXXX has made several attempts at proving it is in fact her and that she is unemployed but nothing has worked. She has been trying to reactivate the card and access her funds for nearly three weeks now. XXXX said she was instructed to submit a photo of her driver 's license and a selfie. She's submitted the information multiple times, including a copy of her passport and Social Security card in case anyone had doubts about her identity. " When I called to sort of check the status of whats going on, they cant really give me any information on why the hold on my card hasnt been released, '' said XXXX. " They said they couldnt verify my identity, which is kind of weird. '' Contact XXXX has reached out to U.S. Bank ReliaCard and the Colorado Department of Labor and Employment to see if they can sort out this issue out for XXXX. Until the problem is resolved, there is more than {$400.00} on her card that she is unable to access. " It is very stressful and its just frustrating because no one that Ive been able to get a hold of on the phone can give me any answers, '' said XXXX. If you have received a U.S. Bank ReliaCard but did not apply for unemployment benefits, officials are advising you to destroy that card and file a report on the ReliaCard website. You should also notify the state unemployment agency that paid the benefits of potential fraud and take precautions to mitigate identity theft. Here 's the link where you can report potential fraud in Colorado. Obviously this article is scattered but its real. I need that money. Thats why they approved me for it. Why is this still happening!!!!!!!! I know theyre stealing federal funds from claimants and its evil. On XX/XX/XXXX I XXXX XXXX XXXX who owns Visa and I called XXXX thebank listed on the card who transferred me back to US Bank where I kept getting hung up on. I made a pointless complaint to the Federal Trade Commission Yet despite complying with their ridiculous verification process, I still can not access my money. Not once have they contacted me about this. I contacted them when I asked for a supervisor and the operators. id number I was hung up on twice. I get up, read the news and imagine my dismay when I see an article about us bank stealing unemployment checks since XX/XX/XXXX freezing/locking accounts under the guise of security. And thats just XXXX. Imagine how much money theyre stealing in the USA daily. Theyre stealing from the federal government and its citizens and its ok?!?! When I stole I went to XXXX and paid restitution. Why shouldnt they? XXXX XXXX XXXX states they have been swarmed with fraud complaints re : Reliacard and US Bank since XX/XX/XXXX!!!!!!!! | ||||||
| 04/03/2019 | Yes |
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| To Whom It May Concern, This complaint is about a problem with US Bank 's Flex Perks credit card travel rewards program. Here is a quick overview of the problem : I had a confirmed reservation using my Flex Perks travel rewards points at a hotel in XXXX, XXXX. When I arrived at the hotel, front desk staff told me my reservation had been cancelled. Because the hotel would not honor the reservation using my Flex Perks travel reward points, I used my US Bank Flex Perks travel rewards credit card to pay for the room. US Bank deducted my Flex Perks travel rewards points from my account, and charged my Flex Perks travel rewards credit card for the stay. In essence, US Bank charged me twice for the hotel room - once by deducting my Flex Perks travel rewards points, and twice by charging my Flex Perks travel rewards credit card for the stay. Here is a brief overview of what happened. I attempted to check into the XXXX XXXX XXXX in XXXX on XX/XX/XXXX using my confirmed reservation. My confirmation number is XXXX. My XXXX XXXX XXXX trip ID is XXXX. On XX/XX/XXXX, I received an email from XXXX that states Your itinerary is confirmed. XXXX Flex Points had been applied. The email was sent by : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Upon being informed by XXXX XXXX front desk staff that my reservation had been cancelled, I asked for a reason. I was told XXXX XXXX XXXX was no longer participating in the program. The hotel would not honor my confirmed reservation paid for with XXXX Flex Perks travel rewards points. This response came as a surprise because XXXX XXXX never informed me my reservation had been cancelled. US Bank never informed me my reservation had been cancelled. Upon learning XXXX XXXX had cancelled my confirmed reservation without notifying me, I called the Outside the XXXX number on the back of my US Bank XXXX XXXX travel rewards card, which is XXXX. After speaking with US Bank representatives for about 90 minutes, I was cut off. US Bank was unable to resolve the problem. I then checked into the hotel, paying with my US Bank Flex Perks Travel Rewards credit card. I checked out of the XXXX XXXX XXXX on XX/XX/XXXX. The hotel charged my US Bank Flex Perks Travel Rewards credit card XXXX XXXX. This amount includes six nights for my room, one night for another room for a friend, and one breakfast. I am not disputing the room for one night for my friend or the breakfast, which totals XXXX XXXX. The total amount I am disputing is XXXX XXXX, which is the charge for the six-night stay. I completed my XXXX trip and returned to my home in the XXXX on XX/XX/XXXX. Upon my return, I called US Bank to explain the problem and receive a solution. It is now XX/XX/XXXX. I have called US Bank approximately 20 times between the end of XX/XX/XXXX and today in an effort to resolve the problem. At first, the bank appeared to take my problem seriously. I was told to file a dispute. Once I filed the dispute, US bank issued a provisional credit of XXXX {$1200.00} ( plus {$20.00} for applicable interest ) on XX/XX/XXXX pending investigation. During the investigation, US Bank sent me a letter dated XX/XX/XXXX stating, You have informed us that this purchase was also paid by other means. In order to further research your dispute, additional information is required. I did not know what the bank meant by the term other means. I did not complete and return this form because I did not understand the term other means. I called US Bank on XX/XX/XXXX to ask for clarification of this term. The representative told me it was all right, and that I should fax the confirmation of my itinerary to the bank. This information was faxed from a US Bank branch. A few days later, I followed up with US Bank. A representative confirmed receipt of my fax and informed me the investigation would continue. I told the representative that I would not make a payment towards the credit card account while the investigation was in progress. When I saw US Bank had charged interest to the credit card account, I called US Bank to complain about this charge. I should note that every time I called US Bank, there was no single contact person. Instead, I had to explain the situation anew to a different person each time I called US Bank. It appeared the investigation had not been concluded and was ongoing. Because I had not heard anything from US Bank, I called them again last week to find out if the investigation had concluded. I recorded these conversations in their entirety. During one call last week that approached two hours, I was transferred several times among various US Bank representatives. I was told the investigation had concluded. When I pressed for details, no one could tell me the findings of the investigation or explain why it was denied. I then asked a representative - a manager - how US Bank could end the investigation and find the dispute was resolved when the XXXX Flex Points had been applied to the hotel stay in addition to the XXXX XXXX I charged to my US Bank Flex Points travel rewards card. The manager could not explain how US Bank could claim to have resolved the dispute without either returning my XXXX Flex Perks rewards points or refunding the {$6800.00} I used to pay for the hotel room. Instead of providing me a rationale, the manager told me the position of US Bank is that It is not their responsibility. I was told I must contact a company called XXXX to resolve the dispute. At this point, I wondered why US Bank did not tell me at the onset that XXXX bore sole responsibility. I had called XXXX before, and was told that they must call the vendor XXXX XXXX XXXX. If the vendor does not cooperate, there is nothing XXXX can do. I was told by US Bank before that XXXX XXXX would not cooperate. Therefore, because the hotel would not cooperate, it was clear there was nothing XXXX could do for me to solve the problem. I had told US Bank this response earlier during one of the many phone calls. It is a US Bank credit card and a US Bank rewards program. It is my position that US Bank should have solved this problem rather than referring me to a third-party. The problem I have, and the reason I am filing this dispute with CFPB, is US Bank will not resolve the problem, and XXXX will not solve the problem. Despite the fact that these corporations refuse to take responsibility, US Bank will not refund my Flex Perks travel rewards points or reverse the amount charged to my credit card. The relief I am requesting is a full refund of the XXXX dollar equivalent of the XXXX XXXX I charged to my US Bank Flex PerXXXX travel rewards cards to pay for the six-night stay at XXXX XXXX after the hotel would not honor my confirmed reservation that had already been paid for using XXXX Flex Points. I am not requesting refund of the XXXX rewards points. I planned this stay in XXXX only because I could use my travel rewards points. I relied, to my detriment it turns out, on all parties honoring the contract that was made. I simply want to be made whole by all parties honoring the contract that was agreed upon. For this to occur, US Bank must reverse the XXXX charge to Flex Perks travel rewards credit card. Thank you! | ||||||
| 07/13/2022 | Yes |
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Web | Older American |
| I have a XXXX credit card issued by US Bank. My original card was a XXXX that offered rewards for everything but enhanced rewards for travel. I used this card for every purchase I made, groceries, travel, gas, etc. I paid this card off every month since I joined. XXXX changed to XXXX held by US Bank. I continued to use this card as I had the XXXX for everything and paid in full every month. I checked my rewards points and noticed I had between $ XXXX {$700.00} in rewards. I made a determination that I would apply that money towards my upcoming credit card statement that exceed {$13000.00} based on travel I put on the card. Looking forward to my enhanced rewards, due to travel rewards were significantly higher than any other reward. So once the card was charged, I looked at my rewards balance and was surprised that it had not changed. So I emailed the card membership asking where my rewards were? They said they were not giving me rewards and it was not their problem. Right away, I determined I was going to close the account but first I went to the rewards tab, hit transfer to bill. Then I closed the account and paid it in full. I was expecting that since I paid the card in full, that I would be reimbursed the rewards money via a refund from US Bank. So I emailed them again asking where that reward money was, and they replied that since I closed the account and they showed no transaction to claim the rewards that they would not honor the claim. ( see attached ). I emailed and appealed to XXXX with the same results. I want my past rewards money sent to me ASAP as I did what was right, claim them as a credit to my bill and then closed the account. THE BIG LIE, they claim I did not claim the rewards and since my account was closed, too bad. When I went in to the rewards tab too prove my point, quite conveniently this is what appears : Something is broken, sorry about that. Were not sure what went wrong. Here are communications between my and card services : Date : XX/XX/XXXX Message # : XXXX From : Cardmember Service Subject : award $ Message : Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your XXXX XXXX XXXX XXXX XXXX account ending in XXXX. We show your account is closed, after reviewing your rewards we show the last redemption was submitted on XX/XX/XXXX. All reward points are lost at time of closure ; therefore, since your account has been closed we are not able to process any redemptions. If you have further questions or concerns about your account, please contact us again. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX AM the following message was sent : Before cancelling this card, I requested my rewards dollars be applied to my bill. As of today, that is not the case. I tried to go into the rewards folder shown here and was blocked out. Please send the refund to my home address On XX/XX/XXXX at XXXX XXXX Cardmember Service wrote : Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your XXXX XXXX XXXX XXXX XXXX account ending in XXXX. We have completed your request to close your account. If you have any pre-authorized charges billed to this account, its your responsibility to cancel these charges. Pre-authorized charges may include, but are not limited to, recurring transactions from merchants such as XXXX XXXX, XXXX, and insurance or internet providers. If the charges arent cancelled, they may continue to be accepted and billed to this account. Your account will remain accessible online as long as an account balance remains and will continue to show online for two additional billing periods once the account balance is at XXXX. After that time, well automatically remove the account from Online Banking. If you have further questions or concerns about your account, please contact us again. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX AM the following message was sent : Cancel this credit card On XX/XX/XXXX at XXXX AM Cardmember Service wrote : Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your XXXX XXXX XXXX XXXX XXXX account ending in XXXX. We can confirm, your current XXXX XXXX XXXX XXXX you earn 3 % XXXX cash rewards per {$1.00} on the first {$8000.00} spent on net XXXX and travel purchases ; 2 % XXXX cash rewards per {$1.00} spent on net gas, grocery, dining and drug stores purchases ; and 1 % XXXX cash rewards per {$1.00} spent on eligible net purchases everywhere else XXXX is accepted. Net purchases are purchases minus merchant credits. Some transactions are not eligible to earn rewards. Ineligible transactions include cash advances, interest charges, convenience checks, balance transfers, purchases at the XXXX XXXX, and fees. XXXX Card Services can not control how merchants choose to classify their business and reserves the right to determine which purchases qualify. When logged in to XXXX, you can review your XXXX cash rewards information and redemption options by clicking on the Rewards & Benefits link that appears at the top of the page. This link will take you to your rewards information. To view your redemption options and to redeem cash rewards, select the Redeem rewards at Rewards Center link. In addition, you can redeem your XXXX cash rewards by calling XXXX ( we accept relay calls ). Your account must be open and in good standing to redeem XXXX cash rewards. XXXX cash rewards expire at the end of the quarter five years after the date they were earned. If your account is closed to future transactions for any reason, rewards would immediately be forfeited and could no longer be redeemed. If you have further questions or concerns about your account, please contact us again. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX AM the following message was sent : I can not tell you how furious I am that I have this card and just now found out that there is no award program any longer. I was so excited to put my $ XXXX trip money on this card and couldn't wait to see my rewards. I am going to pay off this XXXX account! DELETE MESSAGESAVE MESSAGEREPLY And : Read a Secure Message Date : XX/XX/XXXX Message # : XXXX From : Cardmember Service Subject : rewards Message : Dear XXXX XXXX XXXX : Thank you for contacting Cardmember ServicXXXX via our website about your XXXX XXXX XXXX XXXX XXXX account ending in XXXX. We strive toward excellence in customer service, and we sincerely apologize for the frustration you experienced. Your comments will be shared with management to improve our service and prevent similar issues from occurring. If you have further questions or concerns about your account, please contact us again. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX AM the following message was sent : You people have the worst public relations of any company I have ever worked with and you lie. I had a wonderful relationship with XXXX until your company took over. Your records are wrong. On XX/XX/XXXX, I activated the rewards to be credited to my account. I am going to appeal to XXXX. SHAME DELETE MESSAGESAVE MESSAGEREPLY | ||||||
| 11/26/2022 | Yes |
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| SUMMARY My bank failed to disclose the full cost of an international wire transfer that involved a foreign currency exchange. Instead, it disclosed only minor applicable wire transfer fees and did not disclose other costs, likely to include additional fees, markup, and significant bank profit. It did this in a fraudulent manner by hiding these additional costs in XXXXhe exchange rate it used for the transaction while representing this rate as the prevailing rate issued by the Federal Reserve Bank XXXX Fed ), which it was not. This lack of transparency regarding the actual prevailing foreign exchange rate prevented me from properly comparing rates available elsewhere. As remedy, the bank should apply only those transaction costs it disclosed to me and apply the true daily exchange rate published by the Fed, and return to me all non-disclosed transaction costs. It must also be more transparent in its future cost disclosures with its customers, to include all applicable fees, markup, and profit from any similar transactions. DETAILS I am a US citizen residing in Washington state and decided to purchase a vehicle in XXXX, XXXX XXXX, XXXX. The XXXX car dealership required payment of funds in a timely manner to remove the vehicle from public sale. On XX/XX/XXXX, I contacted the local branch of US Bank, my bank of 33 years, to understand my options. My banker explained that my options for payment included an international wire transfer, a cashier 's check, and/or cash. My banker recommended the wire transfer option and disclosed that a fee of {$50.00} would apply. No other disclosers were made. I scheduled a time with her to complete the transaction on XX/XX/XXXX. On XX/XX/XXXX, after making arrangements with the car dealership, I met with my banker to complete the wire transfer. At that time, she advised that an additional transfer fee of {$32.00} would be applied by the recipient bank and that I needed to include that payment in the amount transferred. I agreed to the additional fee. No other disclosures were made until she presented the exchange rate she would use for the transaction, {$1.00} USD = {$1.00} XXXX This rate was well below the prevailing rate published elsewhere, so I objected. She replied that it was the " Fed 's rate '' and that she couldn't change it. Her statement involving the Fed lent great credibility to her quoted rate and she provided no further explanation or options, so I assumed that rates must have dropped rapidly and without my knowledge. With a pending deadline with the car dealership, I completed the transaction. A name-redacted copy of the receipt is attached. On my return home from the bank, I internet-searched the prevailing USD : XXXX XXXX rate to satisfy my curiosity. A XXXX screenshot is attached, indicating the rate at about the time of my transaction as {$1.00} USD = {$1.00} XXXX. A week later, the Federal Reserve Bank published the daily rate for XX/XX/XXXX as {$1.00} USD = {$1.00} XXXX. This screenshot is also attached. Another website published by XXXX XXXX provides opening, closing, high, and low rates for XX/XX/XXXX, and indicates the rate did not fall below {$1.00} XXXX on that day. Additional attached screenshots from the XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX XXXX and XXXX provide very similar results and confirm that the rate quoted at my bank as the Feds rate was not the actual rate published by the Federal Reserve Bank and was well below any prevailing rate for any moment of that day. A statement near the bottom of my bank transaction receipt acknowledges my right to dispute errors in my transaction, so I re-contacted my banker to ask about the discrepancy. She notified me that she discussed the matter with her manager and determined that nothing could be done because I had signed the rate disclosure. She suggested that I contact the Wire Department in case there was anything it could do. I contacted the Wire Department and was only referred back to my local branch. It is outrageous that any bank, much less my bank of many years that I have placed so much trust in over multiple decades, would consider our transaction to have included a proper disclosure of the USD : XXXX exchange rate for a wire transaction! In both my discussions of the cost of the transaction with my banker, on XX/XX/XXXX on the phone while researching my options and on XX/XX/XXXX in person at the time of the transaction, the only cost disclosed was the wire transaction fees. It is now apparent that the bank hid an additional cost, its very exorbitant profit, without disclosure to me. It is equally outrageous that this bank would rely on its disclosure as defense for why it had done nothing wrong! Its exchange rate disclosure, combined with my bankers verbal explanation at the time of the transaction, was exactly what was wrong, because it was incomplete, misleading, and not representative of the full breadth of my options for making the transaction ; it was likely, however, the most profitable option for the bank, so it was recommended. My internet research also led me to the website of a competing national bank, XXXX XXXX XXXX, which includes a page labeled, Foreign Exchange Rate FAQs. This page addresses how the bank determines exchange rates and discloses several factors including profit, fees, and markups ( a screenshot of the page is attached ). No such webpage was located during my search of the US Bank internet site. No such explanation was provided either verbally or written during my transaction ( or even subsequently since my complaint! ). I wonder whether this detailed explanation is mandatory or whether XXXX XXXX XXXX just considers this good business. If mandatory, the requirement was certainly not met by US Bank ( nor was any standard of good business met ). RESOLUTION Due to the deceptive non-disclosure practice by US Bank of its additional profit hidden within its low exchange rate, US Bank owes me the difference between the amount equivalent to the prevailing rate published by the Federal Reserve Bank for that day and the amount it applied, less the fees that it actually disclosed. Given that the car dealership required {$51000.00} XXXX paid to it, that US Bank charged a {$50.00} USD wire transfer fee, that the recipient Bank XXXX XXXX XXXX charged a {$32.00} CAD wire transfer fee, and that the daily rate published by the Federal Reserve Bank for XX/XX/XXXX was {$1.00} USD = {$1.00} XXXX, that amount is calculated below. The amount required by the XXXX XXXX XXXX XXXX was the vehicle purchase price ( {$51000.00} CAD ) plus its wire transfer fee ( {$20.00} CAD ) for a total of {$51000.00} XXXX, or {$39000.00} USD at an exchange rate of {$1.00} USD = {$1.00} XXXX. The amount transferred from my US Bank account to the XXXX XXXX XXXX XXXX was {$40000.00} USD, for a difference of {$1100.00} USD -- this is the amount that US Bank actually charged me for this transaction! Subtracting the legitimate US Bank wire transfer fee of {$50.00} USD from that amount, provides a difference of {$1000.00} USD. This is the amount that US Bank overcharged me and that should be returned to my account without unreasonable delay. | ||||||
| 04/20/2021 | Yes |
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| I submitted a previous case. The responder, US Bank, said they didn't have my correct address and my previous complaint was closed. They have all of my information. That was untrue. To be sure they have it again, it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX My former complaint was : XXXX. I will resubmit everything again as I was just instructed by your customer service line. Here is my feedback to the previous complaint that was closed first, then my original submission will follow : Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Please do not close this case. I received their letter and sent everything they have requested. I told them I moved to XXXX XXXX XXXX , XXXX, IA XXXX all along. I told them to be sure and send everything to my XXXX address. They keep sending things to my temporary XXXX XXXX address no matter how many times I tell them not to do so. I called XXXX XXXX who reports to the USBank Mortgage President when I wasn't getting anything. He emailed their affidavit to me on XX/XX/XXXX. Once I got this printed, I emailed everything to which they asked on XX/XX/XXXX to XXXX as mentioned in their form. I sent the hard copies certified on XXXX to XXXX Fraud XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX on XX/XX/XXXX. US Bank mortgage signed that they received my certified letter with everything on Monday, XX/XX/XXXX. They then still sent me another affidavit via their secure site out of error on XX/XX/XXXX. I called and and talked to XXXX, ID of XXXX, who took care of me. She had me email everything AGAIN, this time to XXXX so they could link everything up. I did that as well. She said everything should be linked up now. They have everything. But, it seems that US Bank Mortgage and US Bank Fraud Liaison Department keep getting confused and on top of one another. What happened now that I get this letter from XXXX XXXX? They say they can't find me? I am so confused. I will call that number again. Just please reopen this case. This is not resolved. Their communication within their company is either terrible or inept. Please contact me at XXXX or XXXX so we can discuss. Thank you, XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I do not understand what is going on here. I do everything they ask, send everything to the places they mention, tell them to only send things via mail to XXXX XXXX XXXX XXXX XXXX, IA XXXX, but they still say they don't have things, resend me the same form, and don't do anything. What do I need to do next? I am so frustrated. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS This needs to be resolved. Nothing has been done. Please call me at XXXX Here is the original submission : My wife and I got divorced on XX/XX/XXXX. After the divorce, some newly discovered funds came through in the form of an escrow refund check from US Bank Mortgage. Per our decree, newly discovered funds are to be split XX/XX/XXXX. We have had money escrowed for the last 6 months to a year included with our mortgage payments from XX/XX/XXXX and prior. These funds were escrowed to eventually pay our XXXX XX/XX/XXXX property taxes and annual homeowner 's insurance policy. Since we got divorced on XX/XX/XXXX, we did not need to pay this bill and the money was refunded to both of us in the amount of {$4100.00}. The refund check went to my ex-wife 's address only, had my name listed first, then my ex-wife 's name was listed second. There was no " or '' or comma in between our names, and she cashed it by only endorsing her name. I have been informed that this should have been rejected since both of our names are on the check. The US Bank teller failed in this instance by cashing it, and my ex-wife committed fraud in cashing it. She will not return the funds and I have asked several times. I have a copy of the check, the account number of the check, the mortgage account number, and the statement that was mailed to me to which was the only way I would have discovered that this fraudulent activity took place. I have been researching and talking to the US Bank Fraud Liaison Department which handles their banking fraud, and the US Bank Mortgage division who handles mortgage fraud. Everyone has agreed this is 100 % fraud. After getting transferred back and forth between the banking Fraud Liaison Department and the US Bank Mortgage division for the last 2 months, being told a fraud case had been opened on the banking side to later find out it was cancelled since it needs to go to mortgage, I finally got to someone high enough and with the wherewithal to handle this. My most current contact is on the mortgage side and his name is XXXX XXXX who reports directly to the USBank Mortgage president. They have said for over a week that an affidavit is being mailed to me to which I must promptly return for them to start the investigation. This is the 3rd time since XXXX where I have been told an affidavit is coming. This time, I have been assured it truly is coming. They say they always start from the beginning, and they will start the investigation on the Mortgage side which is their policy, and then take it to where it needs to go from there. As I mentioned, for a while, I was getting the runaround with all contacts at USBank. Most likely this is because my ex-wife is an employee there, and she had to take this check to a teller she knows within her branch to get this fraudulently cashed. Being a nearly 30-year employee, she knows banking practices and the law, and she knows this was fraudulent which was the only way this would have gotten through. I have verified this as the case per the contacts I have spoken with at USBank fraud, USBank Mortgage, and others. I have setup a case with the XXXX, IA police department as well. It is case # XXXX. The police chief is XXXX XXXX and his email address is XXXX and their phone number is XXXX. He has emailed me a few times stating he believes this is more of a civil matter, but he will help me any way he can. He has contacted the XXXX XXXX Iowa attorney. I contacted the Iowa XXXX XXXX over the weekend, and they referred me to you, the XXXX, and they mentioned I may want to get in touch with the Iowa XXXX XXXX XXXX at the state level. They thought I may want to get in touch with the FDIC at the national level, but your rep, XXXX ( XXXX XXXX ), said you will handle contacting the FDIC if necessary. I have been taking notes of nearly every conversation with every person to which I have conversed since XXXX. I can provide any supporting documentation to which you may need including the endorsed check, the mortgage statement showing the refund, and all conversations. The US Bank Mortgage department only gives me their customer service number which is : XXXX and I have to get transferred several times until they get me to XXXX XXXX who reports to the US Bank Mortgage president. The US Bank Fraud Liaison department can be contacted at : XXXX. XXXX has been my main contact there and her employee ID is XXXX. The auditors are XXXX and XXXX. That's the best information she could give me on them. Thank you for your assistance. | ||||||
| 12/24/2019 | Yes |
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| XX/XX/XXXX THRU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX forged my name to documents. Falsified documents to obtain a modification approval. U.S. bank approved the modification in 3 days. XXXX XXXX. XXXX XXXX XXXX gave me the run arounds for 2 months refusing to talk to me. After 2 months they agreed to pay me my money back stating it was about the reputation. U.S. bank negotiated a deal with them that would have forced me to fall behind further after U.S. bank originally told me that I had to be at least 2 months behind in my mortgage XX/XX/XXXX, and that is the only way I would qualify for loss mitigation or be considered to get my payments lowered. U.S. bank has committed fraudulent modification Behavior and assisted XXXX XXXX. XXXX in a fraudulent Mortgage Modification scam. I have reported this to the Attorney Generals office in Illinois. Currently, I am preparing a rebuttal to U.S. Bank response to the Attorney General 's office as XX/XX/XXXX. There has been on going violations with U.S bank since they took over my payments XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX are the dates U.S. Bank called me because I might have been late paying my mortgage, but I paid it. I was not behind until they told me not to pay so that I could get my payments lowered and to qualify or be considered for loss mitigation. I was told that in order to apply you had to qualify for one of the hardships that they had listed. They would even tell you how to write it to make it seem as though you fell behind because of the hardship and not because they told you not to make payments. XXXX XXXX. XXXX XXXX XXXX did make me aware after I told them during my one and only free consultation that I had because I did not pay them the whole fee up front. I was told that I would have to come in after I made a full payment of XXXX to start the process of the team of lawyers and experts come up with a plan and then they would sit down with me. That never happened. This occurred XX/XX/XXXX.I missed my first payment XX/XX/XXXX, I waited the 2 months like I was told by U.S. Bank to be considered to get my payments lowered. I never signed any Mortgage documents, the bank, and XXXX XXXX XXXX refused to send me anything. I obtained the paperwork after I filed a complaint with the Attorney General 's office. I noticed documents with forged signatures and falsified paperwork that I never signed. I noticed the dates were stamped with my forged signature and I had not been in the office. I noticed inconsistency with the paperwork because XXXX XXXX. XXXX XXXX XXXX tried to cover up their wrong doing. I was told by the XXXX XXXX XXXX XXXX XXXX. XXXX himself that I should have been glad that they made up paperwork because it got me lowered payments. The bank agreed to a 3 month trial so that it could look like XXXX XXXX. XXXX XXXX XXXX had done their job, but later sent another letter stating that after the trial period my payments would go from XXXX anoth to XXXX. My original mortgage loan was XXXX a month. During the modification that started XX/XX/XXXX for the same way the bank does, fall back 2 months to be considered to get my payments lowered, and they continued asking for paperwork over and over. 10 months later in XX/XX/XXXX, they approved the modification, but never went down on the payments. They pushed them to the back of the loan. Later increased my payments. They approved the loan for XXXX XXXX. XXXX in 3 days. I received documents XX/XX/XXXX from the XX/XX/XXXX related to my complaint from The XXXX XXXX XXXX XXXX XXXX XXXX showing faxes until XX/XX/XXXX abour my account that I knew nothing about. I was only told by the law offices after they would ask me to fax them information is that they were gathering up my paperwork creating a file and then I would come in to the office to discuss the best work out plan to fit my situation at that time. I received a trial period dated XX/XX/XXXX suggesting that in 3 days of review they approved the modification based on fraudulent and forged documents. I made the bank aware, and I told them I had not signed any documents. I had only received a free consultation. U.S. bank refused to allow me to resend documents telling me to appeal it knowing that u can only appeal one time during the life of your loan. Also, U.S. bank made me wait until After the appeal period was over telling me then I had to do a whole nother application making me fall further behind. They refused to communicate with my HUD counselor, I was told by a XXXX at U.S. bank stating to me he was from the underwriting department with s default counselor on the phone with him that they do not like talking with third parties. I am asking that there be an investigation done. I do know of other single women who are at risk loosing there home because of XXXX XXXX. XXXX and the banks helping them with Fraudulent Mortgage Modification Scams. I do have documents to support my claim. I do have a complaint with the Attorney General 's office as well for U.S bank. I had 10 days to respond with XX/XX/XXXX but I could not meet that deadline due to things out of my control, and the case was closed. XXXX XXXX. XXXX XXXX XXXX did refund me all of my money back for what they had done after going through being cursed at, to hanging up on me, and stating they would call me when they could that I just had to wait after I paid them from XX/XX/XXXX to XX/XX/XXXX over {$2000.00}. U.S. Bank still refused to allow me to resend documents. They changed Relationship managers, or they would give me the wrong information, or answer my calls. They would call me at XXXX after I said many times that I would be at work and couldn't answer my phone because I am XXXX and I worked at a XXXX 1:1 with a student that was total dependent on me. I would call leaving messages, and I would not receive a return call. I reported it, and I now have a new relationship manager and it is the same thing. I report things, and the turn it around. The bank deny my applications stating it is incomplete after I faxed as always that they didn't receive it even though I had a confirmation page. They tried to force me to send a profit and loss in when I repeatedly told them that I did not have a XXXX business. The employer that I worked for had misclassified me as an Independent contractor instead of an employee. I reported to the bank that I was waiting on an appeal to receive the documents to verify my claim. I sent in checkstubs, but they denied my application for loss mitigation stating incomplete. I later received the documents, but I had to complete another loss mitigation packet. The bank received Hardest Hit funds of XXXX, XXXX. My property taxes at signing was changed in my name, I had to sign paper at closing. U.S. bank took over and they were paying them in a XXXX XXXX name. I Found that this person ( name ) was on the person that ordered that plat of survey ... Field work completion XX/XX/XXXX. I did not find out until a a realtor had called me concerned about it. There is so much that U.S. bank have put me through, my family, and I have grandchildren that depend on me as well. | ||||||
| 02/02/2018 | Yes |
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| On or around XX/XX/XXXX, we received a letter from XXXX, our homeowner insurance company, stating that our homeowner 's insurance would be cancelled on XX/XX/XXXX due to non-payment. Our homeowner 's insurance is to be paid through our Escrow account through our mortgage at US Bank. We contacted XXXX, who informed us that they had sent two letters to US Bank, starting in XX/XX/XXXX, and had received no response, so they had to cancel the homeowner 's insurance if we did not pay. We reviewed our mortgage statements and determined that US Bank had been collecting for the insurance through our Escrow account through XX/XX/XXXX, and then abruptly stopped collecting for homeowner 's insurance in XX/XX/XXXX. At no time did we change the terms of our mortgage. We then contacted US Bank and spoke with a representative who reviewed our mortgage. He stated that yes, the terms of our mortgage, did include collecting for homeowner 's insurance through Escrow, and that it was collected through XX/XX/XXXX, but he could not see any reason why they stopped collecting it. At one point, he said, " Honestly, it looks like human error, like someone pushed a wrong button, but I see no documentation on this at all. '' He turned it over to US Bank 's insurance department to review and said it would take about 2 weeks. At that point, we had no choice but to pay the homeowner 's insurance ourselves to avoid cancellation as US Bank could not resolve it in a timely manner. Luckily, we had the funds to do so. And, luckily, the letter arrived when it did, as we were taking a 2-week vacation, and, had we missed the letter, we would have had our home uninsured while we were gone due to US Bank 's error. On XX/XX/XXXX, we received an email from XXXX XXXX at US Bank, whom I assume is with the insurance department. He wrote, " I have received a request to review the escrow on your loan. It looks like, according to your closing documents, that escrow was requested for your homeowners policy at closing. Your account was never set to escrow in our system, and has been set to non escrow since XX/XX/XXXX. I have updated your account, and your premium will now be paid from your escrow account in the future. If you wish to change this at any time, please give us a call at XXXX. '' On XX/XX/XXXX, we responded, " Thank you for the information ; however ; the information you are providing is not correct.If you look back carefully, you will see that you began collecting escrow for homeowners beginning immediately and through XX/XX/XXXX of last year when you suddenly stopped doing so. I am curious as to why you were unable to see that information when I can clearly see it on all my statements? I look forward to your further review and information. '' We received no response, and on XX/XX/XXXX, we wrote, " I wrote back to you on XX/XX/XXXX indicating that the information you provided, stating that the account was never set to escrow for our homeowners policy in your system was incorrect, as you collected escrow for homeowner 's immediately upon receiving the loan through XX/XX/XXXX. I would like to truly understand what happened as the explanation provided was incorrect. Please respond with information as to how this occurred, and how we almost lost our homeowner 's insurance due to you discontinuing escrow without notification, by XX/XX/XXXX. '' On XX/XX/XXXX, XXXX XXXX responded, " I am sorry, I can not see exactly when Hazard Insurance was collected for your escrow account, as I am not in the Escrow Dept. All I can see is in our system, your premium was not disbursed because it was not set to escrow by an error in our system. If you have further questions about your escrow please call XXXX. '' We immediately responded the same day, " Which is who we contacted immediately when we received notice of cancellation of our insurance. They indicated they could see no reason that it would suddenly stop and sent to your department to determine how the error had occurred. However, you are telling me you can not see that it was originally going into escrow and then stopped. We will go ahead and escalate. '' XXXX XXXX wrote back on XX/XX/XXXX, " Let me talk with my manager this morning, she can help me get in contact with a manager in the escrow department and hopefully I can get some better answers for you. I assure you myself or someone within the bank will reach out to you by the end of the week. '' We immediately wrote back, " Thank you, XXXX that would be great. It is just extremely frustrating to not know how this happened. We were leaving on vacation when we got a letter saying our homeowners insurance was being cancelled : Had that letter come two days later, we would have had an empty home while we were gone that was uninsured which is frightening. And XXXX told us they had contacted US Bank twice alerting them to this before contacting us. And then the question is what happened to the money that was collected for the insurance and put into Escrow through XX/XX/XXXX? We have statements showing it was collected. We appreciate the follow up so we can understand how this happened, how it will not happen again, and where the money that was collected for the insurance and put into Escrow went. '' We did not hear back from him, and on XX/XX/XXXX, we received a mortgage statement showing that {$0.00} had been put into Escrow for insurance. We wrote back to XXXX XXXX, saying, " I know you assured us that someone would get back to us by the end of last week. That did not happen. And, today, we got a statement showing {$0.00} taken out for insurance this month. We need an answer today -- this is incredibly frustrating, and we have lost any trust whatsoever in US Bank. '' On XX/XX/XXXX, we received a message from the US Bank Hazard Department saying, " This email is in response to your recent request regarding your homeowner 's insurance. It is always a pleasure to assist you with any questions you may have. U.S. Bank reviewed your HUD-1 Settlement Statement and verified your homeowners insurance was escrowed at the close of your loan. We have made the necessary changes to your account, and will begin escrowing for your homeowners starting with your XX/XX/XXXX payment. We sincerely apologize for the inconvenience this issue has caused. '' So, we are still at a complete loss : 1 ) Why did they stop taking the insurance money into Escrow? 2 ) Why, when notified by our insurance company -- twice -- did they do nothing about paying the insurance or contacting us? 3 ) What happened to the money that was taken into Escrow from XX/XX/XXXX through XX/XX/XXXX? 4 ) Why are they unable to see that they did indeed take out that money when we can see it on our statements? 5 ) Why did XXXX XXXX tell us it would be corrected in XX/XX/XXXX, and then our XX/XX/XXXX statement says that they took out {$0.00}? And why did we then receive another message saying it was corrected for XX/XX/XXXX when it supposedly was corrected for XX/XX/XXXX? We finally decided to come to you as we can not get any responses from US Bank that make sense. Thank you for your help! | ||||||
| 07/22/2021 | Yes |
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| On XX/XX/2021, I arrived in XXXX XXXX for a XXXX procedure as I was receiving my XXXX. I was more than excited as I been hoping to get this done previously but unsuccessful. In my opinion I felt I was quite knowledgeable. However, I was proved wrong. Die to the fact, I had already plan for a different medical procedure there, I figured I would see if the XXXX XXXX XXXX network would be an option. After speaking with XXXX XXXX : I was assured XXXX XXXX would be able to price match the costs and procedure received from XXXX of {$4600.00}. Attached. In the end, the cost was more because The over all costs included everything whereas after three days of work XXXX XXXX XXXX XXXX. Though I expressed it was many issues in which I was dissatisfied. I was assured of completion the next day. Needless to say, the days were 12-hour days and I was exhausted and so was the doctor. On the third which was the day before I was scheduled to leave out. XXXX XXXX did not have the interpreter to adhere to my desires. However, he called for her to come Once she arrived I come to find out the : o 1 ) XXXX on the ( XXXX ) XXXX XXXX would not be completed o 2 ) The back of my teeth are two different colors. It was so bad it made the rest of my teeth look more yellow than, before. o 3 ) None of my XXXX were XXXX. Though I asked repeatedly if there were cleaning the teeth. I found out later that it was cleaning the teeth with the XXXX. No XXXX was done. ( It was my assumption the XXXX XXXX XXXX go hand and hand with XXXX. They did not correct me or clarify for me until near the end. ) I asked why you would not XXXX the teeth. They replied It would take 14 days and you are not here long enough for this to take place. This did not make sense to me. The whole purpose of XXXX is the LOOK. After all it is called, XXXX XXXX. Not to mention, the quote from XXXX XXXX included everything such as XXXX and the ENTIRE mouth being XXXX and looking aesthetically pleasing. This should have been told to me at the beginning. No one I know expects to leave from obtaining veneers to having two different colors in their mouth which aesthetically looks worse. Cosmetic procedures are ALL about making you look better and feel better. o 4 ) There was an additional cost for them to clean the back when I though they were clean and XXXX at the same time. It is no way ANYONE WOULD BE OKAY WITH TWO DIFFERENT COLORS IN THEIR MOUTH o 5 ) Though I was very concerned about the way my teeth looked and felt. There were repeated compliments from the interpreters and other staff about my XXXX. However, I quite unhappy because it felt like a a lump of something the glue or whatever, it was the XXXX were not molded as it should have been. I felt there was something on the surface of the XXXX that I felt. o 6 ) I even wrote out the issues and gave to the interpreter. Yet, I was still unsatisfied. ( Attached the list of concerns as it was handwritten ) Though it took two days of 12 hours of work each. XXXX XXXX had assistance for the input of the XXXX. He never just completed one XXXX as I requested meaning the smoothing and shaping of one XXXX. He kept doing a little and ask how does it feelAt this point, I asked arent my XXXX apparent to you through whatever the gunk on there, right? He said, Yes. I said, why not just get all the gunk off and smooth and shape the XXXX. This took two days. He still had not did as I requested, and my XXXX were not right. Once I realized the fact, he literally was not able to do my XXXX correctly. I decided I did not want him to do anything else because he could not seem to get the XXXX shaped and smoothed out right. Even with the interpreter it took too long for him to smooth and shape the veneers. o 7 ) My XXXX did not have a XXXX XXXX XXXX XXXX should have been shaped but it was not. Currently, the space between my XXXX is sharp and hurt my tongue which should not be. o 8 ) I asked if it ( the XXXX ) was 100 percent porcelain I was told it was and no other materials. However, this was presentation of the XXXX were not as bright white. I was told, Once they are your teeth with whitening it will be brighter and you will see once they are on. So basically, the color I see is not the final color. However, the color of the XXXX is matted with something on the surface of it which makes it dull. o 9 ) My front teeth no longer have a bite. The teeth are rounded and my side teeth are sharp. My entire eight XXXX with XXXX are not asymmetrically same length ( longer on the left side ). So, if I need to bite an apple I have to bite on the left side as opposed to my two XXXX XXXX. Also, this non-alignment has caused me to chew differently, and I hear the squeaking in my mouth of the gunk that is still on my mouth ( on my XXXX ). o 10 ) Due to the fact, there is a slough of gunk on my XXXX, my XXXX XXXX XXXX whenever I run my tongue between my XXXX. There is a space between my XXXX that is sharp. It is difficult to floss. Because the floss keeps getting cut by the XXXX themselves. When I kept asking for the XXXX to be smooth. It was NEVER done. o 11 ) Also, the part of the XXXX that is near the gum. It was not smooth. I asked for it to be smooth. Right now, my front and bottom XXXX has a grittiness, and it is peeling. When I chew food it is easily stick between my XXXX. That was not a problem for me before. I am not able to smile because I feel the food and yet I can not pick the food out. Due to the fact the teeth are bulky and thick between the XXXX it is thick I know I need to to get my XXXX fixed because food embedded in there will cause decay acceleration. Upon retuning to the XXXX XXXX area, I made an appointment with a XXXX for an opinion regarding all of the issues above : More specifically the color of the XXXX The lack of XXXX XXXX XXXX and XXXX different colors is not ideal for an end result regardless, to what the doctor and staff states. The fact the XXXX are transparent, and no XXXX was done The uneven positioning of the top XXXX The fact the top XXXX are hanging over the bottom too far down I never received the temporary XXXX to gage if I like the XXXX or not. Nonetheless, I kept saying I dont like the way it feel and the XXXX of them Though I stayed an additional day and paid more than, the original quote from XXXX which included everything. I will not ever understand why it is so complicated for a XXXX, with well over thirty years of experience, would allow me to leave his office with all of the above issues and think it was fine. Once I seen his wife XXXX ( which were not great to me ) I understood this poorly done job was perhaps his best efforts. I simply am bamboozled at the lack of truthful responses or lack of knowledge from the dentist to think this was okay. Now I have to get my mouth corrected. Whereas, if XXXX XXXX had done it right or even stated it not going to look right and gave me a choice to XXXX XXXX XXXX for a superior finish. I am just done with this and want my mouth fixed. This has now affected me emotionally because now I am self-conscious about my smile. | ||||||
| 02/06/2023 | Yes |
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| Hello, Ive had an issue with credit abuse concerning Elan Financial Services XXXX XXXX XXXX dating back to XX/XX/XXXX. Since I have not been able to get any resolution from either Elan Financial Services or XXXX XXXX, Im forced to write to XXXX XXXX XXXX XXXX. My issue is certainly not for a lack of trying to resolve my situation. Ive even had an in-person meeting with our XXXX XXXX Manager, XXXX XXXX XXXX XXXX To which of no avail of a resolution. For background, I've always paid what bills Ive owed on time with never any issues. To start from the beginning of this injustice on the behalf of Elan Financial Services XXXX XXXX XXXX dating back to XX/XX/XXXX. On that date I switched to my current credit card company, XXXX XXXX XXXX Services. Taking what balance and bills I had left due on my now previous credit card company, Elan Financial Services XXXX XXXX XXXX, to transfer a total amount of {$990.00} over from Elan, to XXXX. Further stopping any payments due including for the following month which would have been XX/XX/XXXX and so on to Elan Financial Services and XXXX XXXX. Following I made a call to get the reinsurance from an automated voice from Elan XXXX XXXX that I had no more payments due moving forward and with that it was all in the further hands of XXXX. Five months after my transfer to XXXX everything was going swimmingly with a credit core of XXXX. Only to check my credit score on XX/XX/XXXX through XXXX and XXXX using the XXXX XXXX app. To find that my score had dropped XXXX. Going from an impressive score of XXXX of never paying late, down to XXXX. Upon seeing this that night I immediately went on to find out what the issue was. Ive never had any problems paying either on time or my bills. The following day being XX/XX/XXXX I called one of my creditors, XXXX. Only then preceding to find out that Elan Financial Services had put a claim on my credit reports. On that same day after receiving nothing from Elan Financial Survives prior. I got a blank envelope with a letter stating to call an unknown XXXX ( XXXX ) Number from XXXX XXXX. Even after getting confirmation from both Elan Financial Services and XXXX XXXX from their automated system that every bill and balance that I owed was nothing more to them. Somehow there was an incorrect payment of {$27.00} from the following months bill that would have been due on XX/XX/XXXX dating back to XX/XX/XXXX. Within those five months from transferring over to XXXX. Elan Financial Services previous to this had not even sent me so much as letter, let alone a phone call or email to give any form of notice as to this payment of {$27.00} to their card member service. Upon finding out this out, not only was the amount not paid for from that following month. But also continuing late fees for said balance were added to make a total of {$120.00}. Without further hesitation on that day being XX/XX/XXXX I paid the balance of {$120.00} to Elan Financial Services. So to no longer have anything else due to their card member service. On XX/XX/XXXX I put in a dispute over to Elan Financial Services and XXXX XXXX for the incorrect billing of the the initial {$27.00} and the three late fees of another {$27.00}, {$29.00}, {$31.00}, and three minimum interest charge fees of {$2.00} each adding to the total amount of {$120.00}. I put in this dispute with the accompanying support of an employee of Elan Financial Services named XXXX. Who stated that it was indeed their error as she went on to apologize. She as well told me that I should write a letter of dispute to Elan Financial Services. Upon doing so I was told by Elan Financial Services and XXXX XXXX that was indeed in the right of not owning for all of those months due that they stated. As of that statement by them they gave me my money being the {$120.00} back in the from of a check ( to which I have proof of ) to right their wrongs of falsely charging me. On XX/XX/XXXX being my next credit report update. For a brief period of time on that day. The dispute that was made on my credit score from Elan Financial Services was fully and rightfully taken off. Only for some unknown reason sometime later that day to have another dispute from Elan Financial Services back on my credit report. Making me go down almost the same amount of points to the high 700s, to the low 600s. To my otter shock thinking this whole debacle was over and done with. I sent another letter to Elan Financial Services a day or two after in conferment as to why another dispute had been made by them. I then received a letter back from Elan Financial Services ( To which I proof of ) dating XX/XX/XXXX. On that letter it was stated that I did not call their automated service to see if I still owned anything to Elan Financial Services back on XX/XX/XXXX. As well as stating there was no bank error on their part despite what I was told by their representative, XXXX. But they originally only gave me back my money because, after admitting they were wrong, and I quote ; As a gesture of our appreciation for your business, we reversed all late payment fees and interest charges, and, on XX/XX/XXXX, you were issued a credit balance refund check in the amount of {$120.00}, per your request, as you had credit reporting for the account. To which on that letter it processed to state nothing more as a reason to why another dispute was put on my credit score and I have not gotten a clear cut answer still, even today. That dispute will now be on my credit report for the next five years even after they stated they were in the wrong of falsely changing me, giving me no insight that that amount was due, taking off the dispute, and giving my money back! A couple of months went by and in late summer of XXXX. I sat down with our XXXX XXXX XXXX Manager, XXXX XXXX XXXX. Who told me to get a copy of the check from Elan Financial Services. Only to get denied twice from Elan Financial Services as to get not only a copy of said check. But any proof that it exists at all. Thankfully I have a XXXX XXXX transactions and reversal statement that I kept for physical proof. I sit here now almost a full year later with no resolution to this unfair injustice on the behave of Elan Financial Services and XXXX XXXX. Through out the year I have spent time and energy sending multiple letters, making phone calls, and having in person meetings back and forth between Elan Financial Services, XXXX XXXX, and XXXX to only still come up empty handed. Thankfully, I have a full file of paper work, letters, dates, and proof of everything that has transpired in the past year. That I will be more than glad to show as proof if needed. I thank you for taking the time out of your busy day and schedule to read about my situation. As I hope you and or your organization can help me finally put this nightmare to rest and fully get this wrongfully accorded dispute from Elan Financial Services and XXXX XXXX off my credit report so it may rightfully go back to where it additionally was as this is fully effecting my credit in an unjust way that is holding me back. | ||||||
| 10/04/2017 | Yes |
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| US Bank has repeatedly ignored requests to rectify a situation due to failures on their part. As such, I am requesting once again for US Bank to clarify the circumstances surrounding the stopped foreclosure in XXXX with the XXXX XXXX XXXX Sheriff office so I can attempt to sell my home to pay off the mortgage. I am currently under contract ( for the third time ) and US Bank WILL NOT send the appropriate payoff amount in order for the title company to complete the closing process. As a quick background, my home was severely flooded in XXXX XXXX ; and after much thought and consideration, I decided to sell my home as-is and use the insurance proceeds ( {$XXXX} ) to pay off the mortgage. I entered into another agreement with XXXX XXXX XXXX, XXXX on XXXX XXXX, XXXX using XXXX XXXX XXXX for the closing. I have communicated several times to US Bank my intention to use the insurance proceeds to pay off the loan even faxing over the purchase agreement as further proof ; but every time they sent the payoff amount, it reflected the full loan amount which made it infeasible to close. On XXXX XXXX, XXXX XXXX with XXXX XXXX XXXX and I called Loss Draft ( via conference call ) and spoke to XXXX ( sp ) who informed us they had no request on file and needed a written statement from me requesting the funds to be moved. That afternoon XXXX XXXX sent the letter on my behalf to US Bank. XXXX XXXX notified me on XXXX XXXX that XXXX notices of XXXX ( appears to be a duplicate ) from XXXX that need to be canceled before the closing can take place. XXXX XXXX attempted to contact the attorney that handled the foreclosure and the attorney ( XXXX XXXX ) and the law firm ( XXXX XXXX XXXX ) no longer represent US Bank in such matters. He also informed me that the XXXX XXXX XXXX Sheriff office has a balance on the account ( case number XXXX ) in the amount of {$XXXX} which includes the sheriff sales commission that has to be paid prior to canceling the notice. I have called US Bank on XXXX XXXX and was told in their system it appeared to be paid but could take up till the XXXX to mail me a copy. On XXXX XXXX, I sent my account representative XXXX XXXX with US Bank an email explaining the situation as well. On XXXX XXXX, after researching on my own, the commission is not owe because the sheriff sale was halted due to the bankruptcy filing the day before the sale in XXXX. In accordance to the LA XXXX XXXX which reads in part : " In the event a defendant in XXXX files for bankruptcy before a sheriff 's sale and a stay order is issued canceling the sale, the plaintiff in the suit shall be liable for all costs, other than commissions, incurred while property was under XXXX ''. I went to the sheriff 's office on XXXX XXXX, XXXX with the statue LA XXXX XXXX and proof of XXXX XXXX filing ( attached ) to get the commission removed and the dismissal completed, but since I 'm not the " attorney of record '' they were unable to resolve it. They were able to provide me a copy of the letter that XXXX XXXX XXXX ( attached ) sent in XXXX and because it does not state the matter was being dismissed due to bankruptcy, the commission fee was assessed. The sheriff 's office told me in order to get the commission removed, the attorney of record will need to send another letter requesting a dismissal due to bankruptcy to remove the fees. I notified XXXX XXXX of the developing situation, and he informed that he did speak to XXXX XXXX with XXXX XXXX XXXX who explained they no longer have a foreclosure division and was n't sure where my record would be because it 's an older case. Once again, I reached out to US Bank trying to find out who handles foreclosures for them now because the Sheriff 's office still has XXXX XXXX XXXX listed on the file ; of course no one was able to help me. On XXXX XXXX I went back to the Sheriff 's office to get a copy of any correspondence to stop the sale of the home because of the bankruptcy in XXXX and they could n't find any official correspondence stopping the sale in my file ; but somehow it was stopped anyway. In order to try and help me out they emailed XXXX XXXX, XXXX XXXX and XXXX XXXX at XXXX to request a revised dismissal letter addressing the bankruptcy in order to get the commission removed so they can cancel the XXXX. On XXXX XXXX, I sent a follow up email to the same individuals along with bankruptcy documents as proof to try to get a letter as well. After receiving no response, on XXXX XXXX I forwarded that email to XXXX XXXX along with proof they were aware of the bankruptcy filing as XXXX was listed as representing US Bank at the time and requested again a revised letter to cancel the XXXX and have received no response. Unable to resolve the XXXX foreclosure situation, I lost the investor in XXXX XXXX. XXXX XXXX, I called US Bank customer service line and my account representative every day, explained in great detail ( every day ) what I needed and was told my information would be processed. US Bank ( or their representative ) has yet to send a letter to the XXXX XXXX XXXX Sheriff office noting the reason behind the stoppage of the foreclosure was due to the XXXX XXXX filing by the homeowners which will eliminate the balance due to clear the notice of XXXX and fix the title issue. As of today, XXXX XXXX, XXXX, the Sheriff office still shows the outstanding balance of {$XXXX} which is impeding me from attempting to sell the home again. On XXXX XXXX, I received a letter from US Bank attorney XXXX XXXX dated ( XXXX XXXX but postmarked XXXX XXXX ), that US Bank intends to foreclose on the property because of a balance due of {$XXXX ( which includes the flood insurance payment amount ). I put the house for sale as is again and under contract since XXXX XXXX. XXXX XXXX with XXXX XXXX has repeatedly requested a payoff amount INCLUDING the flood proceeds and after waiting weeks for the payoff.it shows a balance without the flood payment. To date ; US Bank wont include the flood proceeds in the payoff amount after requesting it multiple times and there is an outstanding balance at the sheriffs office after repeated attempts to get US Bank to send a simple letter clarifying the situation surrounding the stopped foreclosure process. In closing, I am appalled that I am receiving a letter threating foreclosure while for months I can not get anyone at US Bank to send a simple letter to clear the title because their attorney ( XXXX XXXX XXXX ) failed to do so. Furthermore, Im attempting to sale the home in order to avoid foreclosure and payoff the mortgage and US Bank wont honor any requests made thus far. I will also like to note, in the event the home is foreclosed on and the title issue is magically resolved in order to sale the home at the Sheriffs sale.I will consider this action as malicious in nature as a blatant attempt for me to not be able to sale the home myself. It is ridiculous after YEARS of dealing with US Banks negligence ( the reason behind the first foreclosure ), they are not allowing me to sale the property for MONTHS since the flood. | ||||||
| 09/05/2023 | Yes |
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Web | Servicemember |
| A Visa Gift Card was purchased from XXXX on XX/XX/XXXX for {$270.00} + {$6.00} for the activation fee. An activation confirmation was given with the purchase to proof activation. The provider is XXXX XXXX. After some online research, there is a well-known issues with some of these cards going back XXXX and as recent as XXXX. People issues that customer service doesn't help to resolve but who may give you false information to get you off the phone. They will even hang up on you. The card was registered for the recipient. Who tried to use the card online and it was immediately flagged for possible fraud. The company put the transaction under review. A refund was requested when it seem like the transaction obviously had some issues on their end. The money was refunded to the card. I took the card back from the recipient due to them having issues and I was the one who purchased it. Basically, the card would not work on any website for online purchases. I attempted to attach the card to XXXX like you can with most other gift cards. After no success, I called customer service who stated that they saw the transactions including how the card couldn't be attached to XXXX. But they would put me on hold if I wanted them to call XXXX to authorize the car attachment. From there, it was stated that it would work within XXXX minutes. I did not work. I called the XXXX number which is XXXX again to try to check the balance or possible issue. I would like to note, after each call things would get worse not better no matter what the reps would say who were also quite dismissive. With each call I was able to verify all the information on the card including the numbers on the barcode on the back to make sure it wasn't someone electronically trying to hack it. I would also like to note, the website associated with the card is prepaidbalance.com via XXXXXXXX XXXX. It barely works correctly no matter what browser you use. However, when you call automated voice refers you there for certain information. I ended up trying to see if the card would work on XXXX. Because at this point, I wanted to use it online and was very afraid to take this card inside the store even with the pin I registered due to not trusting customer service and also not knowing if this card was already compromised prior to purchasing. As XXXXXXXX XXXX has a documented set of complaints about their cards ( that are sold at XXXX and XXXX ) being randomly compromised. And people have stated how hard it is to get it resolved. The card attached to XXXX but my XXXX account was immediately suspended. I uploaded a receipt and an explanation and it was restored quickly. I called the customer service line again at XXXX. They said that the 3-digit security code was put in wrong too many times. Which I believe they completely made up. I know I personally did not put in the wrong code over and over as it is very easy to remember. So they said, the card would be blocked for 24 hours because of that. However, I could still take the card in the store and use it there or anywhere that didn't require the 3-digit security code on the back. I actually wasn't at peace with this explanation. But there is not way I could disprove or prove it to be false other to go to the store and try. Prior to this call, I had to made a purchase overnight and was notified via email that there was an issue with the card ( again ) so those purchases couldn't go through so they used my backup payment instead. Well, the company obviously blocked the card or the 3-digit code making it useless. So I called customer service again on XXXX, and I received a very aggressive and dismissive customer service rep. This is after the phone ringing and someone just hanging up more than once before you could even verify information. The call being hung up isn't good because by this time, I had to speak with someone as their website at prepaidgiftcardbalance doesn't work all the time or it works sporadically. So to not be able to get through made this feel like a scam on their par. I would also like to state with each call, something would happen after like the card wouldn't do like they said it was supposed to. And the automated system eventually claimed it couldn't recognize the gift card number. When I talked to the dismissive and aggressive rep, I admittedly almost lost it because by this time I have been trying to resolve where my money went on and off for hours, days really. I called and said, I am calling because I was told that the card would work in the store with a pin. The woman on the phone said let me check. And she came back and said, I don't know why she told you that. The whole card is blocked for 24 hours. Now, I am livid. if it's blocked for 24 hours only, this made me wonder if this card was already compromised since the issues were from the onslaught. I said so the other women lied And the rep proudly said, yes. But it should work in 24 hours. I think that was something said to get me off the phone since there are issues with the card that I can't see. I do believe XXXXXXXX XXXX is well aware of issues but maybe it's not wide-spread enough for them to be held accountable. I am basing this off other experiences. I have purchased these cards a couple times before. But it's hard to tell they aren't from XXXX. Pretty packaging but they are one of the worse gift cards I've ever purchased. I hope the issue is looked into or at least there is a record on my part in the form of a complaint. This card is unusable. And it also has a clear film placed on the back of the card where you would scan it instore which I am not sure is normal or not as far as it possibly being tampered or compromised at a certain point. The complete dismissiveness and runaround that was given is something that may not be able to capture even though this is lengthy. This company comes off like it's very shady. It's understandable that there are federal laws that have to be followed if fraud or identity verification issues are present. But to call into a company ( XXXX ) and be lied to each time you interact with it is definitely something I hope they are eventually held accountable for. I don't think the reps care because they are likely in another country and there is also obviously isn't a great standard in how issues or identified and resolved or at least attempted to be. I know they couldn't do anything but I did go back to the store I purchased the card from to at least see if one of the reps had other issues with people coming in with a similar story. So I had to take time out of by day to do that as well as feeling quite silly even having to explain it. I also sent an email to the store 's contact chain for issues like that. I don't expect any resolution because why would they continue to partner with a XXXX when there are several issues already out there that seem to not be addressed including the customer service issues, and the poor working website that is hit and miss. And that may possibly block your IP or card. | ||||||
| 01/04/2023 | Yes |
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| THE MYSTERIOUS DISAPPEARANCE OF {$2000.00} FROM MY ACCOUNT During COVID-19, I experienced an unexpected layoff from my full-time regular job, which at the time, immediately caused a little fear to sink in when thinking about how I was going to get my bills paid. After reaching out to others and seeing on TV and Social media how bad this Pandemic was begging to pan out after all, I decided to follow through with the state 's recommendations being advertised : for anyone experiencing sudden job loss due to effects of the current Pandemic to visit the XXXX XXXXXXXX XXXX to file an Unemployment Insurance Claim. I took the advice, applied for Unemployment compensation Benefits with the XXXX XXXX XXXX and was approved for benefits. The XXXX issued me a total amount of {$4000.00} in XXXX Unemployment Compensation Benefits in XXXX. When I signed up for benefits on the official website, I was given 2 options to select how I would be issued my benefits, and the Debit Card option was highly suggested and recommended by the agency, so I chose it. The debit card was issued by U.S. Bank Reliacard and was mailed directly to me in the mail shortly after being approved. I called to activate the debit card as the mail notice instructed me, and registered my new account online to be able to track my funds. For awhile, I had no issues with the services, until... One day all of a sudden I was sitting at home relaxing, when my electricity was turned off at my house. To my girlfriend 's surprise, she went to pay our entergy bill on the morning of XX/XX/XXXX, and my account balance of {$2000.00} that should have been in my account ... .was suddenly GONE!! DISAPPEARED!! Account Balance = {$0.00}!!! ( which caused our Entergy Bill payment to not go through )! I immediately called U.S. ReliBank 's Customer Service Phone # provided on the back of my issued Debit Card, and was told by an Agent that the Unemployment Office took my remaining account balance of {$2000.00} out of the U.S. Bank Reliacard Account. They did not provide me with any reason, and advised me to call their office. I immediately called the XXXX 's XXXX XXXX and spoke with an Agent that advised me that they had nothing to do with the money being removed from my account, and advised me to call U.S. Bank Reliacard back to speak with a Supervisor about this... which I did... again... and again ... and again ... for months on end. In fact, I called the U.S. Bank Reliacard Office that referred me back to the XXXX XXXX XXXX for months without anyone EVER providing me WITH ANY RELEVANT INFORMATION or anything to work with. I was constantly just left not knowing where my money in my account disappeared to or who removed it from my account!!!! After months of being put on hold with customer service and arguing with every Supervisor from U.S. Bank Reliacard, the Supervisor finally agreed that they would mail me a printed copy of the account 's transaction history... ( BECAUSE UP UNTIL THIS POINT..MY ACCOUNT ONLINE WAS BLOCKED!! ). I had no way of being able to see my online banking account history so that I could even try to figure out on my own just why my {$2000.00} DISAPPEARED FROM MY ACCOUNT ON XXXX WITHOUT ANY PRIOR NOTICE ... WITHOUT HAVING AN ANSWER AS TO- WHO HAS MY MONEY AND WHERE DID IT GO?!? The printed banking statements that were eventually mailed to my address from U.S. Bank Reliacard, were selective-in that they only printed my transaction history from XX/XX/XXXX onward- showing some account history that had the account details provided, as follows : The activity from XXXX showing a total {$4000.00} was the total amount that XXXX Unemployment Benefits Office awarded me for my Unemployment Benefit Filing Claims that were issued and given to me via the U.S. Bank Reliacard Debit Card Account . My account started out with the amount {$4000.00} total, which the Unemployment Office uploaded on the Debit Card. The next transaction on XXXX was activity that I participated in, when I transferred {$2000.00} from U.S. Reliacard Debit Card Account to my other Personal Banking Account. After I made this transfer, my U.S. Bank Reliacard Debit Card Account should have had my remaining balance of {$2000.00} left in my account to spend, but it DISAPPEARED on XXXX at XXXX and my account balance was left to be {$0.00}, with no explanation from the bank besides I should call the Unemployment Office because they took it from my account. The Unemployment Office Agent Reps told me time and time again ( because I called both companies on a minimum bi-monthly basis to no oblige! ) that once the Unemployment Benefit Fund Amounts are issued out to me, that U.S. Bank Reliacard gets the money and they have nothing to do with it again. They explained to me that the Unemployment Office system shows no back refund of any money they ever issued me and advised that my account would show any type of transaction being made ( on their system administrator end and my personal online user customer account end of the system 's interface ) and it would be logged for me to see and them to see. XXXX XXXX has became very frustrated with my attempts at trying to call them to help locate my Unemployment Claim money from my U.S. Bank Reliacard account because they advised apparently that the bank has made this claim too many times recently with all the Unemployment Claims that were filed and they couldn't help me because they issued the Bank the money for my claim, so I'd have to deal with the U.S. Bank Reliacard. XX/XX/XXXX & XX/XX/XXXX Posted Account Activity : Date : Time : Amount : Account Detail Activity : $ Fees XXXX XXXX am + {$4000.00} U.S. Bank : ACH from Known Remitter. {$0.00} XXXX XXXX XXXX ( - {$2000.00} ) XXXXXXXX XXXX XXXX XXXXXXXX. {$0.00} XXXX XXXX XXXX ( - {$2000.00} ) XXXX XXXX XXXX ( XXXX ) Debit. {$0.00} Ultimately, I am struggling financially, since this crazy disappearance of my Unemployment Benefit Funds of {$2000.00} was removed without ANY WARNING OR ANY KNOWLEDGE AS TO ITS WHEREABOUTS SINCE IT TOOK PLACE BACK ON XXXX. I applied for the benefits in the first place because I desperately needed the financial assistance, and this event has set so many other catastrophic events off in my financial life because of my money going missing from my account, and has caused a downward spiral type domino effect for the worse unfortunately. I'd like my Unemployment Benefit Funds, that totaled {$2000.00}, and were in my account, to please be given back to me. I've waited too long, and haven't been able to gather any information from the U.S. Bank Reliacard Agents or Supervisors or XXXX Workforce Commission Office 's as to the whereabouts of my money, but I believe the Bank illegally took them from my account. I'm desperate and didn't know where else to go to get help to try and get my money back... and help trying to locate who took it from my account and help locating it to be able to utilize in my current financial struggle and hardships I'm enduring due to its disappearance. | ||||||
| 07/13/2020 | Yes |
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| U.S.Bank home mortgage company is the worst company that I have ever had to deal with. Not only were they not helpful by not giving me all the information I could have used, but infact sabataged initially while attempting to work out my mortgage with a telationship manager they assigned to me. In XXXX of XXXX Due to financial hardship initially, my new XXXX was not bringing in enough to pay for the shop bills and my mortgage. My husband a abandoned me 1 week after opening in XXXX year before, with his income. For the first time since I bought my home in XXXX, I could not pay my mortgage nor ever late, in XX/XX/XXXX. In XXXX I called the mortgage company, told them i would be closing the XXXX, and they suggested to file an application for loss mitigation. Thier recommendation was to file to get the mortgage owed put on the back end, as I did not want to refinance with such a great interest rate, i qualified at that time for that plan. With several faxes and scans and over XXXX dollars faxing they kept insisting the application was not complete. Meanwhile i had to close the XXXX and try to salvage what I could selling equipment and such. Finally with no help from the relationship manager they assigned to me I realized myself that I used the application online, and she was looking for a different application sent by mail. Either one would do. Pages were in different order but all the same. She would only say page 5 is missing, would not after weeks of faxing a page 5, or whatever page she wanted while i insisted it is complete, then waited for a response. .. I finally asked for a different manager to work with. The application infact was complete but now the entire app was null and all the bank statements and documents were no good. Application was expired. The lady was missing a page that did not pertain to me and left blank therefore I did not fax that, the pages were over a dollar to fax at XXXX. She used up my time until it was too late. So again I filed and with my XXXX closed I had not enough income to file for that plan. Meanwhile my son started helping before I was past 3 months late, or they would not take a payment. Now starting over with the app. I no longer had the income to file for that plan but could file for a forbearance. I was awfully upset because I didnt have that choice anymore. My son had moved his family in and was paying while I prepared to change careers, go back to XXXX and sell and salvage what I could. I took the money I made and left for prospects in XXXX XXXX. Son paid the note. And in XXXX my son was looking at a place for him and his family while I had a good prospects job in XXXX. While I was in out of state a week before finalizing a job., I had been there working on my XXXX stuff, getting my profile in order for several companies. My boyfriend joined me in myv travels. And short story, and he decided on XX/XX/XXXX to XXXX XXXX. Ofcourse this really set me back. I was in shock and my family had to come as I was all alone in a strange place with my truck and my motorcycle.. they helped me get home. At this point I had to start all over and just get out there and work .stay close to my family and push through. I was not able to make the payment that would make me 4 notes behind and the mortgage company would not take a payment after that unless I paid in full. Threatening foreclosure. I pulled myself together and I had a job orientation set for XX/XX/XXXX, it was a little difficult getting the job i preferred being out of XXXX for almost 2 years so i took a job that was less than my skill set and leas money just to get in and I was still healing. On XX/XX/XXXX a very good friend came by to check on me. He convinced me to get out the house. We rode side by side on our motorcycles, he filled my tank and took me to eat a stel dinner I was long overdue. On the way home after dinner, he dropped his bike, he was behind me and I saw. Stopped and had to XXXX XXXX XXXX and XXXX for him until emt arrived and XXXX. I then spent the last hours of his life with him at the hospital until he died, he had no family in town. I went home by XXXX and i pulled myself up the morning to start my new job. I was a wreck inside. But i did it.. Now since i had income i was able to reapply. Once i got all the info in, since I hadnt had much for paystubs I also sent an offer letter. This amounted to another denial they said I didnt make enough money. But the calculations they had were not correct. Infact it was double. They told me to appeal. So I did and I got more of the same. I believe I was denied again. Sometime between XXXX and XXXX. I found a short term contract making good money and finally found a lawyer to help after getting foreclosure letters again and again.. I continued to work and a my lawyer actually called and tried to negotiate. I had XXXX minimum and could pay every 2 weeks or however ... and they told him no. So we were just in time to file chapter XXXX the day before a sale date. They did receive money from my trustee ... meanwhile that contract ended 3 weeks sooner than my expected date and I had bot yet secured my next position. Once I did it was again a job that paid less and we would have to change some numbers to financially suit the case, my pay went from XXXX an hour to XXXX an hour. Bankrupsty was dismissed. Meanwhile i was searching for a new job. My lawyer suggested I try again to file the application for loss mitigation first, chapter XXXX cheaper to file and I could offer that extra money to mortgage company. Well i by then started my new job working overtime and i had to have income to apply. And just as I was getting all the paperwork in order to send in the application I received a bill. It was a XX/XX/XXXX statement due due XXXX. {$8300.00} I was real close to having that saved by that time so I kept working over time and just paid my utilities. .. and around XXXXXX/XX/XXXX-XX/XX/XXXX, because XXXX would include late fees ... I called and proudly stated I would like to pay my housnote. She said no. I said I recieved the statement I would like to pay it in full. Again she said no. That was not accurate. I said why not. And she said it is in foreclosure. I said why did u send a bill? I've saved up now to pay it. He answer was now they have to send reinstatement paperwork with all the fees added such as lawyers fees, ect. So they sent it via email. I can send that and the bill. And I'm highly disappointed in them because I do believe they want my house. My husband also had a home and they were the mortgage company. When he left me he did not pay his mortgage and they foreclosed and got his house. I kept wondering how they could do that when he has a wife and they did not even address me about it. They just foreclosed his home. That was before I was ever late on my own payment. Us bank, I think has done nothing to help me. And they will not bend. Now they want almost XXXX. After they clearly sent me the statement for {$8300.00}. | ||||||
| 02/21/2018 | Yes |
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| My husband and I recently entered in a contract to build a home with XXXX XXXX XXXX in XXXX XXXX, AZ - Subdivision : XXXX XXXXXXXX XXXX XXXXXXXX. We signed the contracts in late XX/XX/XXXX with a projected closing date of XX/XX/XXXX. As we continued moving through the process, we agreed to use their in-house lender - XXXX XXXX XXXX XXXX. We are pre-qualified without a contingency to sell our previous primary residence, also in XXXX XXXX. However, we intended to sell once we were closer to the closing date. In late XX/XX/XXXX, we received a call asking us to move up our closing to XX/XX/XXXX. They didn't even have our house framed yet. We declined and they pushed for a later date and were advised to prepare for a XX/XX/XXXX closing. We immediately began to work with our buyers to accelerate the sale of our home during the holiday. Throughout the process we received financial disclosure statements estimating our mortgage, which included property taxes, homeowners, and P & I. As signed our final disclosures the week before closing, our escrows were estimated at {$710.00}, which I contacted the lender about being high. I was told it was an estimate and we have better numbers at closing. The afternoon we got to the closing table on XX/XX/XXXX both the title company and us struggled to understand a number of changes to their documents that didn't add up. The property tax estimated had skyrocketed to almost {$10000.00} per year for escrow changing the total monthly payment by over {$500.00}. The new amount was {$1000.00}. I immediately called our loan officer while the title company worked with those preparing the papers to make corrections and we were told they estimated our taxes based on a mil levy estimate received by XXXX County Treasurer 's office and this was their high figure. When they ran their numbers again, they couldn't determine who that number was derived as XXXX Conty calculates tax at .85 % of the assessed value, which would be approx {$450.00} per month in property taxes. I was advised that everyone had already left the office for the day ( on a Friday ) and they would work to resolve it on Monday. They aslo reminded us that we had signed a document correction agreement and we would not have to return to title company for them to resolve. Monday came and we were told that given we has signed and the loan would be sold so we would have to wait to be contacted by the new servicing company at completion to resolve the issue. This didn't make sense because they were still sending me documents that were not signed or incorrect so they could fix things found in their audit of the paperwork and I entered into a contract with XXXX XXXX. In the interim, I called the XXXX Country Treasurers Office and the Assessor 's office and neither could determine how the lender came up with their {$9700.00} tax estimate. I again asked it to be reviewed and was told they were sorry for giving us incorrect information, but it would have to resolved later after the loan is sold. How is this fair to the consumer and what does another lender have to do with this when my assumption is they can correct before supplying the loan information to whomever they sell it to. I entered an agreement with XXXX XXXX XXXX. All my paperwork and contracts reference them. I have text messages and email reflecting even after a 3rd audit their was a gross miscalculation, but their leadership was unable or unwilling to help. Today, I again spoke to the Assessor 's office and they provided the following info - 1 ) our home will only pay property taxes for land this year and next year. The valuation we receive in XX/XX/XXXX will still only be for land. We are estimated to pay and approximately XXXX $ for XXXX and no more than 5 % more next year. In XX/XX/XXXX, we will receive that actual valuation for our property at which point they can find multiple parcels in our subdivision who have actual property tax bills. They advise property taxes are calculated on lot size and livable space and since most of the homes that have their final tax bill are of similar size in land and livable space our property taxes in XXXX should be between {$4500.00} and {$4800.00}. The gentleman gave me his name and phone number in case someone wanted to speak to him because regardless of the calculation used there would be no way our property taxes would ever be anywhere near {$10000.00}. More like half that amount. Comparable parcels included XXXX, XXXX, XXXX. I have about 6 more that all reflect property taxes for my neighbors all printed out for comparison. Given the fact XXXX XXXX still has my loan and I recently sent back documents to correct that benefit them, I am asking for them to re-evaluate my escrows and correct my loan before it is sold. I was told to make the XXXX payment to them and since they are still the servicing company this gross error should be corrected and we should not have to live with the error for a year and risk financial hardship over something that was communicated at the closing table as an error. We were rushed to the closing table with 2 hours notice and we bent over backwards to work with this company. When you have a family and XXXX children and are living in a temporary house, we would have moved mountains to be able to be in our forever home and we took their word they would make this right. My current escrow payment is {$1000.00}, which includes homeowners insurance and property tax. My homeowners insurance through XXXX is {$850.00} a year, not {$1300.00} as priced by XXXX and referenced in the docs. The declaration page and info was sent to XXXX XXXX on XX/XX/XXXX. Our property taxes should be closer to {$4800.00} a year if they want to make sure they are collecting on the high side even though we only owe {$1600.00} for this year, which is already in the escrow account. We estimate our escrows to be approximately {$470.00} a month ( high and based on final tax bill, which again can only go up 5 % per year ) and even with a potential uplift to over overages, that would still be a {$500.00} savings on our current monthly escrow payment and overall monthly mortgage. I am asking for assistance for someone to help us get XXXX XXXX Mortgage to do the right thing and correct this issue so we don't have to wait a year once the loan is sold to have a new company complete an escrow analysis. A 40-50 % overcharge on escrows is unacceptable and I would like to resolve this jointly before I engage an attorney for assistance. As of XX/XX/XXXX, I have now been informed by XXXX XXXX that my loan has been sold to XXXX XXXX XXXX XXXX. I contacted them today and spoke to customer service operator, XXXX. He didn't have all the info from XXXX yet but said they should send everything regarding my request to review my escrows and they should be able to run another analysis when they have the supporting info. I have no info yet and he said I should be receiving a letter within the next few days. | ||||||
| 09/25/2020 | Yes |
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| I was given a forbearance on my primary mortgage with US Bank back the all of this COVID crisis started, not for my inability to pay but simply because the future was uncertain and I felt it would be smart to do so. When the forbearance ended I made the multiple payments when they were due and got caught up. I have never missed a mortgage payment, I consider paying on time, paying late. I usually pay weeks before a due date. I have impeccable credit. I regret not keeping better records of the dates and bills to which I am now going to address, but you expect not to have these types of issues, so my explanation will be recalled from memory. Months ago, maybe XXXX, I get a bill of XXXX due for my HELOC with US Bank. I thought this was odd, but considering many times I pay more than what is due, I though perhaps I actually do not owe ( when I thought that I should ). I did not spend the money, but put it aside in case later I found out that they had made a mistake. I month or 2 later and get a bill 3 or 4 times larger than I expect, ( more than it should have been even if there was an earlier mistake ) disturbed and upset, I pay it, but only because I didn't want to deal with the back and forth and headache and stresses that come along with trying to resolve an issue. Then about a month later, while checking out my accounts online It says, again XXXX due. I think to my self, " Ok, I did pay more that I though was due last time, I guess they have credited my account and this could be right ''. Fast forward to XXXX ... I'm looking to pay a bill for XX/XX/XXXX. I should owe a normal payment typically somewhere around $ XXXX {$140.00}. The online profile says {$580.00} due XX/XX/XXXX, and I know this can not be correct. It should have read $ XXXX {$140.00} due XX/XX/XXXX. Even if XXXX 's bill was skipped an XXXX payment would have only been $ XXXX {$280.00}. I begin making phone calls to US Bank to try to resolve the discrepancy. Multiple phone calls. Hours upon hours of phone calls ( no exaggeration ). I eventually find out that US Bank had out my HELOC into a forbearance plan ( WHICH I NEVER ASKED FOR ), it came off of said forbearance and was placed on one again! All without my asking. Since XXXX I have been calling trying to make the payment that I KNOW should be due for XXXX to no avail. XX/XX/XXXX goes and comes- thank XXXX their systems says XXXX 's payment isn't due otherwise my credit would be affected. I continue to call multiple times and spend hours being switched back and forth between different incorrect departments, each time having to tell my story all over again, each time with no results and no real cooperation, empathy or concern from US Bank. Mind you what we have here s someone calling in and practically begging to make a payment I actually should be due ... Finally I lose my temper 2 or 3 weeks ago while speaking to XXXX XXXX ID # XXXX ( this in unfortunately where I start taking notes with each conversation ). She puts my on the phone with someone named XXXX XXXX ID # XXXX email address XXXX ... I lose my mind at this point an blow up. I cuss like a XXXX. I tell hime exactly what I think about how sorry they have treated me and how no one cares at all to help. When I say I lost my mind and blew up, I mean it. The guy got a BIG earful. Guess what? This guy actually begins to put the pieces together, says he understands what needs to be done and will make sure that he watches the process ( which would be handled through another department ) each day he came into work. He even gave me his personal email address to follow up with him if I had any questions but that he felt it should be resolved within a few days to a week and that he would call me daily with updates/progress reports. I believe this conversation with XXXX was around XXXX XXXX. I apologize for losing my temper with him ( because that is NOT who I am ... it takes ALOT to bring me to that point ), and he said he understood because he and his wife had just got done refinancing his house and what should have taken a month took over 6 months. It seemed at that point that maybe there was some hope, maybe this guy would work for me to get the issues fixed. Sure enough the next day he calls me with a little progress report that everything was with the right department now and being handled. A day or 2 goes by and I believe I get another phone call from him with a little update, no real progress yet, stay tuned ... That was the last I heard from him. Meanwhile, I'm going online looking at my statement and STILL NO CHANGES. I reach out by email to him on XX/XX/XXXX and get no response. I reach out to hime by email on XX/XX/XXXX, still no response. Here today XX/XX/XXXX, after being on the phone yet again this morning, NO PROGRESS. The lady I spoke with today was named XXXX who was in the Ohio call center. When I get on the phone with her I simply ask that she pull up my account and begin reading the notes attached to my file, Each time I have spoken to someone at US BANK before I let them get off the phone with me I ask them specifically to add notes to my file recording the details of our conversation, date, and times. XXXX XXXX told me that NO notes have been attached to my file by the XXXX people that I have spoken to since this whole fiasco began and still NO resolution. I refuse to speak any further to her and asked agin to speak to someone in authority, to which she replied no one was available. Eventually she says a manager named XXXX, also from the call center in OH would call me back ... .still waiting. The Labyrinth of inefficiency and continued passing off to other incorrect departments, and a complete lack of empathy from the people of US Bank runs rampant there. What frustrates me are the endless HOURS of phone calls that I have had to make and the repeated conversations over and over again to people who evidently can do nothing. As XXXX is my witness I have had multiple hours of conversations, each frustrating and stressful. I value my time above just about everything else because it's sometime that we all only have a certain amount of. No to mention the stress of having to deal with the endless failures with each call. Honestly companies like this some somehow be held accountable for their actions. It is absolutely ridiculous to think that this level of incompetence and utter disregard for their customers is not taken seriously. I hope that in some way they can experience the stress and anguish that we consumers feel and change for the better because of it .... I would much rather spend my time doing something else rather that composing this description of my interactions with US Bank for the public to see. I do hope this record of my experience will help others to avoid the trouble that I have had, and perhaps persuade others to find a company who will value the customers to do business with. | ||||||
| 08/28/2018 | Yes |
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| In XXXX, I opened a business titled XXXX XXXX, XXXX. I purchased a sailboat in that name and placed it in a charter fleet in the XXXX XXXX XXXX. On XX/XX/XXXX, the sailboat I owned was destroyed during Hurricane Irma. The mortgage on my sailboat was held by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. My account number is XXXX. My sailboat was considered a business by the IRS, and it was regularly rented out to other sailors. The rental income I received on these charters paid for the mortgage and upkeep of the boat. In fact, almost every single month I owned the boat, prior to XX/XX/XXXX, I made additional principal payments on my loan. My insurance carrier, XXXX XXXX XXXX, contacted me immediately after the hurricane hit the XXXX to say that they would be surveying my boat to determine damage. However, I was warned that this process could take months based on the location and the amount of destruction to the region. Throughout those months, I continued to make my regular loan payments on the boat using the income I had already saved for my business. By the end of XXXX, the accrued business income had run out as the boat was no longer available for rent but I continued to make payments from my personal accounts. In early XXXX, my insurance company contacted me to say that the boat had been surveyed and was declared a Constructive Total Loss. And on XX/XX/XXXX, I received a check from my insurance company for approximately {$310000.00} and deposited it into my XXXX XXXX business checking account at XXXX XXXX. The very same day, I contacted US Bank to find out what I needed to do to pay off my loan. I was told that the payoff amount was {$200000.00}. And I was instructed to wire the money to US Bank using their account number XXXX, and routing number XXXX. When I attempted to wire this money from XXXX XXXX, I was told that I would need to wait approximately one week for the check to clear the bank. Several days later, I received a phone call from a XXXX XXXX representative stating that my check had improper endorsement and couldn't be deposited. Unbeknownst to me, my insurance check was incorrectly made out to both me personally and to US Bank. I endorsed the check but didn't realize that someone at US Bank also needed to endorse it before it could be deposited. Unfortunately, the teller at XXXX XXXX didn't notice this either. A few days later, on XX/XX/XXXX, XXXX XXXX contacted me and said that US Bank would need to sign an affidavit endorsing the check before they could release the funds. On XX/XX/XXXX, I brought XXXXXXXX XXXX affidavit to my local US Bank branch and requested that someone sign it so I could access the funds to pay off my loan. The branch manager refused to sign it but spoke to someone at the corporate office who suggested she send it there for a signature. At this point, US Bank held on to the affidavit for almost two months but never contacted XXXX XXXX, XXXX XXXX or me to say that they were refusing to sign it. Meanwhile, my bank, XXXX, continued to hold on to these funds and wouldn't release them without the affidavit. So basically, for two months I had two banks working against me when all I wanted/needed to do was pay off my loan with the payoff from my insurance company. On XX/XX/XXXX, XXXX XXXX requested that XXXX return the funds to them so the loan could be satisfied. Unfortunately, this request languished at XXXX XXXX for another two months before it was " expedited '' and the funds were returned. Meantime, I continued to make regular payments on my loan on XX/XX/XXXX and XX/XX/XXXX in the amount of {$1600.00} per month, even though I was essentially out of business and had no income to cover this mortgage payment. And, on XX/XX/XXXX, I made a double payment of {$330000.00} because US Bank started harassing me for being behind on my payments. On XX/XX/XXXX, XXXX sent the final payment in the amount of {$310000.00} XXXX approx ) to US Bank via registered letter. I have a copy of this tracking documentation for reference. I was told by my insurance agent that US Bank would send me a check directly for the difference between the insurance amount and the loan payoff. However, I was warned that it could take a couple of months before US Bank would process the check and refund the difference to me. In early XXXX, XXXX, I started receiving voicemail messages from US Bank telling me that I was late on my loan payment. My husband contacted US Bank on XX/XX/XXXX, to find out why we were being harassed when we had confirmation that they had received the check from the insurance company. He spent almost three hours calling, sitting on hold, and being transferred before finding out that US Bank was refusing to cash the insurance check because it wasn't written for the EXACT amount of the loan payoff. And when he finally spoke to someone to find out what the next steps were for us to follow to pay off this loan, he was once again transferred and disconnected. Since that date, no one at US Bank has contacted us to resolve this situation other than to continue with the harassing phone calls about being past due on the monthly payment. I have contacted my insurance representative at XXXX to look into this matter further. I am still waiting for them to communicate with someone at US Bank and get back to me. However, I do not feel that I should be held responsible for a loan that I have, in good faith, made every effort to pay off for the past 8 months. To be clear, there are multiple parties at fault in this scenario. XXXX XXXX has made mistakes ( and I have filed a complaint against them ). XXXX XXXX has made mistakes. And I made a mistake back in XXXX when I inadvertently tried to deposit a check with improper endorsement. However, off all these parties, I truly believe that I'm the only one who has tried repetedly to resolve this matter. And I've continued to make payments on a loan despite being completely out of business and income. I'm a very little fish in a big pond of banks who care nothing for me and the loss I've sustained. I've now spent almost an entire year dealing with this issue on some level or another and NO ONE has stepped forward to help in any way. At this point, I understand that I'm not going to be compensated by anyone for the mistakes that have been made by the banks and insurance companies. However, I don't want my credit rating to suffer because these parties can't come together to figure out a resolution. And I don't think I should have to continue covering monthly payments on a loan that I have tried multiple times to pay off and should have been resolved over six months ago. I truly hope that you will support me in this effort. Losing my boat was a heartbreaking experience. Dealing with huge banks who are trying to make a buck off of my misfortune is insult on top of injury. Best, XXXX XXXX XXXX | ||||||
| 09/25/2020 | Yes |
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| This whole incident begins on or around XX/XX/XXXX of 2020, I had lost my wallet during the train trip to handle some business affairs out of town and did not notice this fact until I was on the ground at my destination. I had previously linked my U.S. Bank debit card with my XXXX account to be able to send money to friends, family, and business associates as well as receive money from the same. Since I had los my wallet, my host had agreed to pay for the accommodations ( hotel, food, transport, etc. and I would pay her back as soon as possible ) I said that I had about {$240.00} in my account that I could send to my host via XXXX to help cover the expenses that I normally would have covered myself had I not lost my wallet. I proceed to make the transaction via XXXX to my host and it looks as if it goes through without incident. When I settle in my motel room I have my advocate XXXX XXXX U.S. Bank on my behalf using what her department calls Transparent CA which allows her to Act As me by answering all questions as me using information stored in various systems filling in an interactive script ; to the person or organization being interacted with, they can not tell the difference between my interacting directly or through an advocate since the interaction is completely transparent. Theres no CA branding or identification nor any other indication that Im at a remote location or that the advocate is working off a script. The purpose of the call was to get a new debit card since I had lost my old one during the train trip to my location. They said theyd express mail it to my address and I made sure to have XXXX ask if the XXXX XXXX transaction had gone through. The representative said that yes it had. Fast-forward to about two weeks after I had gotten back home and Im checking my XXXX account for the upcoming bill amount and find that I seem to owe double when I had multiple witnesses that would be able to corroborate that I paid my bill through their automated telephone system. I proceed to have XXXX call XXXX and ask whats going on and they tell her your bank took back the money and reversed the charge effectively making it look like I never paid my bill in the first place. XXXX is instructed to transparently call U.S. Bank for assistance with this and their excuse is the merchant always blames the bank, youll have to talk to XXXX about that and provides no further information even though XXXX my advocate has answered all their questions as if she was me without hesitation. Now fast-forward a few days and I check my bank balance and I see that I have about {$500.00} in the account when just 24 hours before the account was at a XXXX balance. I have XXXX transparently call them and they say thats not an error and that money is mine to use as I see fit and they had no idea why it was there. As a result I try to XXXX a few other things and am told I can not send payments at that time. Fast forward to the beginning of XXXX and I try to pay my rent using XXXX and get an error that my cash balance is negative by the amount I paid my host around XX/XX/XXXX when I lost my wallet on that business trip. Bear in mind that at no point during any of this had I received any automated phone calls, text messages, or other alerts asking if a transaction was authorized or not. XXXX calls the main U.S. bank customer service department in a non-transparent manner so shes identifying herself as XXXX XXXX and giving her enterprise ID. The reason that she did not just transparently interact as me is due to the severity of the situation. After getting transferred a few different times they tell her that since I never opted in to receive phone calls or alerts of any kind thats why no one said a thing, effectively blaming me when no one made it clear during the account creation process that I would need to do anything to receive such alerts if a transaction is held for fraud. During all of this when Id have XXXX call U.S. banks general customer service number for account servicing questions, wed get redirected to the fraud department and their automated system would ask us what number they called us on and would not be able to find anything and eventually transfer us to a live person who would have no clue why we got transferred to the fraud department. After identifying herself using her full name and enterprise ID number ( badge ID ) they ask to talk to me to get authorization to talk to her and she tells them that I am nonverbal and use my XXXX or other various systems to communicate and they say thats not possible for them to take the interaction or my authorization from me using my XXXX or XXXX being used as a speech output device and thus would be unable to help me. Fast-Forward to XX/XX/XXXX when I ask XXXX to submit a complaint to the CFPB at my request about all of these shenanigans as described herein and they recommend that I type up a letter that I give XXXX authorization to act on my behalf and she calls them after the letter is typed up and signed through our eSignature platform and she asks them in general where does she need to send a letter stating that I XXXX XXXX full authorization to work with my accounts and the representative says thats not good enough and that Ill need a power of attorney or that shell need to be a secondary signer on the account, there are multiple problems with both of those proposals as follows : 1 ) a power of attorney is way too broad to follow our security standards that would protect me if XXXX left the advocacy team for any reason 2 ) adding her directly to the account is not a valid possibility since shed need to take about a five hour trip to my city to physically show up to do the paperwork and take the same five hour drive back to the operations desk to get her partner who would be stuck at the desk for 10 hours about depending on traffic both ways since the operations desk can not be left unattended for my safety there always needs to be someone at the desk at all times. In summary, U.S. bank is making it extremely difficult to undo their error since they refuse to take responsibility for something XXXX nor anyone acting on my behalf did not initiate ( the fraud claims ). These unnecessary fraud claims that are not initiated by me or anyone acting on my behalf have caused more trouble than theyre worth because now my primary checking account is {$20.00} negative that will be taken out of my government benefits on the first, and I am unable to use XXXX to pay friends, family, and business associates since they without warning or notifying me reversed the transaction. Their policy of reverse first, ask questions later is impacting my ability to perform routine operations like pay my rent or pay my mother back for helping me out with groceries. | ||||||
| 05/07/2019 | Yes |
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| On XX/XX/19 my mother gifted me a cashier 's check for {$10000.00}. I researched it and the IRS website stated that {$14000.00} is the max amount an individual can receive as a gift, free of taxes. I received a letter from US Bank that I assumed was junk mail so I did not open it for a couple days upon receiving it. On XX/XX/19 I opened the letter and it stated that a hold was placed on my deposit and " this action was taken because we have information that leads us to believe the check may not be paid. '' So I called the XXXX number to find out what they were talking about. Cashiers checks are guaranteed and paid in advance according to my understanding so how could it not have been paid unless I committed some sort of theft or fraud? The representative I spoke with said that it was not US Bank that placed the hold, it was the branch manager and I would have to get it cleared up at the branch. My car was in the shop and I was unable to make to the branch so XX/XX/19 i emailed US Bank requesting the branch managers email so I could see what exactly is going on and find out what this information they claim to have is and where they obtained it, as it is entirely untrue and unfounded. I was informed they couldn't give me the email address and I had to get it from her myself. I proceeded to send another email explaining the situation and why I was upset and had several exchanges with the representative regarding this issue. Once I was able to clearly get my point across as to why I was upset, it wasn't the hold ( which after researching on your site I believe was a violation of federal regulation ) it was the claim to have information that I knew was 100 % false and implied that I had done something unlawful. The representative quickly shut down and said he could no longer discuss this matter with me and I would have to take it up with branch and stated it was a generic letter they send to everyone and was not a personal attack. I have an extremely hard time believing that US Bank makes false claims of having information of which they do not as a generic statement to their customers. XX/XX/19 I responded to this email saying I thought that was a very odd thing to put into a generic letter and thanked him for his effort. XX/XX/19 I went into the branch that supposedly issued the hold, with a copy of the original letter and a request for a written statement declaring what this information was and any sources. The branch manager, XXXX, who I have dealt with since she was hired as a teller years ago, said she did not issue the letter and had no knowledge of it until my email conversation XX/XX/XXXX-XX/XX/XXXX had been forwarded to her and she had no information to give me because she was not responsible and was very apologetic that this happened. I'm inclined to believe her having dealt with her for close to 10 years approximately and having this discussion face to face. That made me feel somewhat better because I had felt like she stabbed me in the back for no reason. I told her I will be closing all my accounts with U.S. including my 2 lines of credit and filing a complaint with the CFPB because I'm outraged by the this falsified claim of information about my transaction and the implication that I somehow fraudulently obtained the check, along with believing that a federal regulation was violated under false pretense as the entirety of my deposit was unavailable until XX/XX/19. She said she was very sorry and felt terrible but understood and hated to see me leave under these circumstances. I'm of the understanding that a cashier 's check of {$10000.00} should have had {$5000.00} available the next business day with rest in reasonable time, unless there was reason to suspect fraud. XXXX XXXX, which issued the cashier 's check, did not receive any contact from U.S. Bank in an attempt to verify the authenticity of the transaction and had no explanation as to why there was any delay or complications. I went into XXXX XXXX XX/XX/19 immediately after leaving the U.S Bank branch to open a new account with them and see if they had any information to help explain this situation. They found the letter extremely odd as well and saw no reason why any of this had taken place as they were never even contacted to verify the check. I feel my rights and federal regulations have been violated in this process. False claims of having information that does not exist have been made and used as reason to keep my funds as long as possible along with and implied accusation of some sort of wrong doing. I now have to close all my accounts with this company because despite whatever their " information '' says, I'm a man of high integrity and refuse to do business of any sort with any company I feel is participating in unethical and dishonest business practices. Especially a company I've done business with for over a decade and have done absolutely nothing to warrant such treatment. Pending an appraisal I could be submitting an offer on a home and applying for a loan in the next 60 days, closing 2 credit lines will surely impact my credit negatively which I've spend several years building and is currently excellent. That could potentially raise my interest rate and cost me a considerable amount of money over the next 30 years if not prevent me from being able to make the purchase all together as I've done the math and my highest offer I could afford at the rate I was preapproved is probably going to be around the bottom of the range they might be willing to accept. It's a private seller and I have no competition on bidding. If I want it and we can agree on a price, its mine. If not then they will put it on the market and get as much as possible for it. Not only has this caused me stress, cost me time, and been an extremely offensive experience but it could potentially cost me the ability to buy a home which was the reason my mother gifted me the cashiers check in the first place. Everybody is claiming it wasnt them but somebody has to be responsible and it begs the question, what is their reason for doing this? Somebody somewhere must be gaining something from this somehow. If not then why do it? I hope I have done an adequate job giving you every detail I have and you are able to see why this is such a big deal to me. It's not just the insult of this situation but it has potential to have a huge negative impact on my life that will never be able to be repaired. Please help me get to the bottom of this and see that justice is served and help me try to prevent anybody else from dealing with this sort of situation. Thank you very much for your time and I apologize for such a wordy explanation. I just wanted to be as thorough as possible and cover every detail. Best Regards, XXXX XXXX | ||||||
| 09/13/2019 | Yes |
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| In XXXX of XXXX we refinanced our mortgage with XXXX. Said mortgage is serviced by US Bank, including the escrow account associated with many traditional mortgages. Until this year, we have had no issue with payments being made from the escrow account. We received a statement from our insurer, XXXX XXXX XXXX XXXX, dated XXXX XX/XX/XXXX which referenced a premium due of {$4300.00}. This differed from the estimate used for our escrow payments of {$4000.00}. With our monthly payments of XXXX and XXXX, XXXX, we made additional payments of {$150.00} and {$150.00} respectively to make up for the escrow shortage. We have never been late on a monthly payment, and review our escrow statements annually for accuracy and make up any shortages. On XXXX XX/XX/XXXX, we received a Final Payment Reminder - Impending Cancellation from XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX, we called XXXX to verify if payment had crossed in the mail, which it had not. To ensure that our policy was not cancelled, XXXX XXXX made the minimum payment by phone in the amount of {$730.00} at XXXX. Also dated XXXX XX/XX/XXXX, we received a letter from US Bank requesting we provide insurance information for the property, the tone of which we did not appreciate considering that : 1 ) we had never made a late payment ; and 2 ) we escrow funds for US Bank to pay insurance and property taxes. Also on XXXX XXXX, XXXX XXXX called US Bank to find out why we were receiving letters of cancellation, both from our insurer and US Bank, for funds that were escrowed to pay for the insurance. The final representative we spoke with on that day was XXXX at XXXX. He claimed that they never received the insurance statement, that US Bank had called XXXX once to request one and did not receive a response, and that was the only action taken. No follow-up was done by US Bank, other than to send the aforementioned unappreciated letter. During this call, XXXX conferenced XXXX XXXX in with XXXX at XXXX. We verified the policy, that the amount due was the full {$4300.00} and our partial payment of {$730.00} should not be taken into account, and XXXX promised XXXX with XXXX, with XXXX XXXX on the line, that payment would be sent out the following day which would have been XXXX XX/XX/XXXX. XXXX XXXX was then transferred to the escrow department when she spoke with XXXX regarding the process for requesting an escrow waiver, to include the escrow waiver fee, as this series of events was wholly unacceptable. The instructions were followed, and the escrow waiver was granted, to include the escrow waiver fee, on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, XXXX XXXX called the US Bank escrow department to inquire as to how long after a waiver is granted will the account be reconciled, closed, and the balance of funds returned to us. XXXX XXXX spoke with XXXX at XXXX and was informed that the escrow account balance of {$2000.00} was emptied on XXXX XX/XX/XXXX, that the check had not yet been sent, and that the checks are typically mailed within one week of account closure. On XXXX XX/XX/XXXX at XXXX, XXXX XXXX called the automated insurance line for XXXX XXXX XXXX XXXX to learn that the payment of {$4300.00}, which was supposed to have been made on XXXX XX/XX/XXXX, was not posted to the account. XXXX XXXX immediately called US Bank and spoke with XXXX at XXXX in their escrow department to inform them the payment had not been received by XXXX. She checked the record to find that the payment on XXXX XX/XX/XXXX was made to XXXX XXXX XXXX in XXXX XXXX, Iowa. Additionally, on XXXX XX/XX/XXXX payment in the amount of {$4300.00} was sent to XXXX and XXXX XXXX - the insurance agent for the XXXX. Both of these payments were returned, naturally, as they were issued to the incorrect payee even after XXXX XXXX heard XXXX speak with XXXX at XXXX, promising to make full and appropriate payment. XXXX XXXX then spoke with XXXX at XXXX in the US Bank insurance department who informed her that a third check was sent to XXXX XXXX XXXX XXXX at their address in XXXX PA on XXXX XX/XX/XXXX. XXXX XXXX countered that the number of checks sent do not matter if the checks do not clear. XXXX then informed XXXX XXXX that the payments could not be sent because US Bank requires evidence of insurance from XXXX, which they did not received until XXXX XXXX. This was not mentioned - at all - in any previous conversation, especially in the conference with XXXX of US Bank and XXXX of XXXX in which XXXX promised to send payment on XXXX XXXX, nor by XXXX in the escrow department who referenced two prior checks being sent. XXXX XXXX informed XXXX that she believed that US Bank had proven their gross incompetence, and that anything short of a check in the amount of {$4300.00} sent to the XXXX via XXXX was unacceptable, and that she considered the fact that they had collected escrow funds that were not paid out in a timely and appropriate fashion to be theft in light of the phone calls made by XXXX XXXX to rectify the situation. XXXX responded that he would like to do that, but could not until an appropriate amount of time had passed for the check to arrive at XXXX and clear the bank. On XXXX XX/XX/XXXX at XXXX, XXXX XXXX again called the XXXX automated insurance line to learn that the payment still had not been applied to the account. This is ten business days after the third check was supposedly sent, but in light of the history and misinformation provided by US Bank the XXXX harbor doubt that the third check was even sent. As millions of mortgagees entrust their money to mortgage servicing companies, per said companies ' and mortgagors ' requirements, to fulfill obligations of insurance requirements and property taxes, these accounts are regulated. This series of events cause concern that US Bank is not taking their responsibilities to their account holders seriously. The XXXX live in XXXX South Carolina - a hurricane-prone area - and this lapse occurred during hurricane season. Knowing how difficult it was to bind insurance in the first place, the XXXX have serious concerns about what their ability to rebind would have been if they had not been proactive in addressing the notices received. Many are not, and while they do have the ultimate burden of responsibility, it does not diminish that US Bank broke their trust by not properly addressing their responsibilities. More, many mortgagees can not afford to pay their insurance outside of the escrows they have already paid, putting them at further risk. We thank you for your assistance to ensure that US Bank fulfills their obligation to other account holders. If I could refinance with no fees to remove all my business from US Bank, I would. Also on XXXX XX/XX/XXXX, at | ||||||
| 11/25/2020 | Yes |
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| I am filing this complaint against US Bank XXXX XXXX on behalf of XXXX and XXXX XXXX for the failure of US Bank XXXX XXXX to deliver the legal title to the XXXX XXXX XXXX that was purchased by XXXX and XXXX XXXX on XX/XX/XXXX. Under applicable law, US Bank XXXX XXXX is required to provide title within 10 business days of sale of the vehicle. XXXX and XXXX XXXX would not have acted to purchase the XXXX XXXX XXXX in XXXX but for the fact that they expected to receive title and the associated benefits of ownership ( which includes assignability and transferability ) in the month of XXXX. XXXX and XXXX XXXX do not have title, do not have the legal benefits of ownership of the vehicle and would not have purchased the vehicle without the receipt of title and the associated benefits within the legally required timeframe. US Bank has had ownership and possession of {$41000.00} of XXXX and XXXX XXXX ' money since XX/XX/XXXX without fulfilling its legal obligation to provide title and therefore denying XXXX and XXXX XXXX the right of ownership and the benefits associated therewith. Timeline of events : Purchase : XX/XX/XXXX : XXXX XXXX XXXX " XXXX '' XXXX and XXXX XXXX XXXX " XXXX '' XXXX entered into a 36 month lease of the XXXX XXXX XXXX from XXXX XXXX, XXXX Connecticut at an agreed upon rate of {$490.00} ; this rate was later amended to {$520.00} to account for the change in sales tax once XXXX and XXXX moved their primary residence to Massachusetts. XX/XX/XXXX : Connecticut Title was issued to US Bank XXXX XXXX ( " US Bank '' ) for truck. Initiation of Sale : XX/XX/XXXX : Potential buyer ( " Buyer '' ) of truck contacted XXXX, set up time to view truck for potential sale. XX/XX/XXXX : Buyer viewed truck and gave his intent to purchase. XX/XX/XXXX : XXXX and Buyer agreed on sales price of {$37000.00} ; Buyer gave {$1000.00} deposit to XXXX. XXXX called US Bank and declared his intent to purchase the vehicle from the leasing company. US Bank indicated that they would send payoff documents in the mail, and that those documents would arrive within 2-3 business days. XX/XX/XXXX : Called US Bank. US Bank informed XXXX that documents had been sent and they should be received in next several days. XX/XX/XXXX : No documents were received. XXXX called US Bank and they confirmed that they could fax payoff information. Payoff form was sent via fax ; XXXX filled out payoff information, including check for {$41000.00} and overnighted documents to US Bank. XX/XX/XXXX : Confirmed via XXXX that documents were delivered to US Bank. XX/XX/XXXX : Check was cashed by US Bank. Upon funds clearing, XXXX called to confirm that a purchase receipt was sent in the mail, and that a new title would be processed within 8-10 days XXXX as required by law ) and mailed to XXXX and XXXX. XX/XX/XXXX - XX/XX/XXXX : Called US Bank approximately 6 times to check on status of title ; was not able to confirm that title had been processed or the status of title transfer to XXXX and XXXX. XX/XX/XXXX, XX/XX/XXXX : XXXX spoke with US Bank who stated both on XX/XX/XXXX and XX/XX/XXXX that US Bank was in possession of amended title in XXXX and XXXX name, and that it would be mailed via USPS to XXXX and XXXX address XX/XX/XXXX. XXXX spoke to multiple employees who all provided that same false information. XX/XX/XXXX : XXXX spoke with US Bank who asserted via phone that the title in XXXX and XXXX name had in fact not been mailed on XX/XX/XXXX, and could not confirm whether it was still in the possession of US Bank. Representative at US Bank noted the matter would be expedited and that XXXX could expect the title by XX/XX/XXXX. XX/XX/XXXX : XXXX filed a consumer complaint ( attached ) with the Massachusetts Attorney Generals Office. XX/XX/XXXX : XXXX and XXXX sent a demand letter ( attached ) to US Bank stating that XXXX and XXXX would seek legal action if the title is not mailed within 3 business days from receipt of letter. XX/XX/XXXX : Presumably in response to the demand letter, a representative of US Bank called XXXX and XXXX 'XXXX insurer XXXX XXXX, Agent, XXXX XXXX, and stated that title had been mailed in XXXX. XXXX and XXXX spoke, and XXXX confirmed the title mailed in XXXX was a title in US Bank 's own name in relation to a separate administrative matter and was not the title at issue. XX/XX/XXXX : XXXX spoke with US Bank who asserted that the title was being processed, however US Bank could not give a timeline on delivery of title. XX/XX/XXXX : XXXX scheduled appointment with Massachusetts XXXX in XXXX XXXX, MA to attempt to title and register vehicle in XXXX name using the Bill of Sale and prior registration. XXXX was told that it is not possible to register the vehicle in Massachusetts unless US Bank XXXX XXXX signs existing paper title to XXXX or provides an amended Connecticut title showing XXXX as owner. XXXX was not able to register and title vehicle in Massachusetts. This appointment took approximately 6 hours of XXXX time. XX/XX/XXXX : XXXX spoke with US Bank who asserted that the title was lost during the replacement process, and that a request for a replacement amended title would be placed through the Connecticut XXXX. US Bank estimates that the timeline for delivery of a replacement title is approximately 6-8 weeks. In a separate conversation with the Connecticut DMV, XXXX was informed that CT maintains the right to take up to 90 days to process such requests. XX/XX/XXXX : XXXX independently contacted the Connecticut XXXX, who confirmed that the duplicate title requested on XX/XX/XXXX had been processed and sent back to US Bank on XX/XX/XXXX. XX/XX/XXXX : XXXX spoke with US Bank, who confirmed receipt, and stated that the title was in the process of being 'perfected. ' The individual XXXX spoke with stated that the title would be sent out in the next 3-5 business days. XX/XX/XXXX : XXXX spoke with US Bank, who were not able to confirm whether the title had been received from the Connecticut XXXX, or processed, or sent to XXXX. US Bank stated that XXXX should call back on XX/XX/XXXX. In addition to the above, XXXX and XXXX have released the Buyer of the vehicle from the conditional agreement of sale with the on XX/XX/XXXX, as they have not been able to obtain legal ownership documentation for the vehicle. XXXX and XXXX have maintained insurance on the vehicle during this time at a rate of approximately {$100.00} per month, and will be subject to annualized property tax on the vehicle for the period aforementioned. Our desired resolution of this matter is the refund of the {$41000.00} paid to US Bank, at which time we will relinquish possession of the vehicle. | ||||||
| 02/22/2023 | Yes |
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| I had a covid-19 mortgage forbearance and was told there would be options when the forbearance ended. At this time the average interest rate was about 3.5 % The only option US Bank gave me was to do a short sale. They said I did not qualify for any other options, or pay the full amount due to avoid foreclosure processes. When I called to discuss the matter, the rep told me that I could not appeal the decision as they provided the reasons, and she was documenting that I was declining the short sale option they gave me. I was denied an additional forbearance for unemployment after the covid forbearance because they said my account was due more than 11 payments. Options listed ; HAMP loan modification denied : the modified payment would exceed the target payment, which does not meet program guidelines. What does that mean? Stand Alone partial claim : based on current market rate, the interest rate on this account is higher than market rate, which does not meet program guidelines, & Your current payment is greater than target payment which does not meet program guidelines. HAMP Combo Modification payment after modification created a housing to income ratio greater than 40 % does not meet program guidelines. Repayment plan not approved unable to create an affordable monthly payment to meet program guidelines. Dead in lieu not reviewed. They said well I'm not working and my credit score isn't good anymore. I seen on your site and had previously heard HUD/FHA does not require lump sum repayment at the end of the forbearance, but this is what they were demanding to stay in our home. I do not see that I was ever evaluated for any COVID-19 Recovery Home Retention Options per the documents received, such as COVID-19 Advance Loan Modification ( ALM ), COVID-19 Recovery Standalone Partial Claim, COVID-19 Recovery Loan Modification etc. I thought these options were to help me and my kids keep our home not lose it and become homeless. The only option that I was given was to pay the full balance within 30 days and that partial payment may not be accepted, or to sell. This process caused sever suicidal ideation, and I wanted to admit myself into a hospital but would have lost my home before being released. In XX/XX/2022, I was able to get assistance from the Arizona Housing Assistance Fund ( HAF ), but it was not enough to cover everything owed, and because Arizona set a max of {$25000.00} and had also helped with utilities. Per the rep helping me with HAF I had to call the bank to ensure they would take the partial payment and asked again about how I heard the balance could be moved to the end, and was there any way part of the payment could be used for future payments if we can do this and they said no. After US Bank accepted the HAF funding I got a call about the balance. During that call the lady said I now qualified for a loan modification. I asked how I didn't qualify a few weeks ago but now that they took all the funding I magically qualify. She said because my hardship had been resolved. I told her it had not but ok. She said I had to agree to the modification over the phone and there was nothing I could review before agreeing even though I told her I was dealing with mental health issues and wanted to make sure I understood everything. However She said if I wanted to lock the rate of 5 % in I had to agree now. Seeing how fast rates were going up I felt I had no choice but to agree. When The documents came the rate was 5.5 % and the balance was larger than on my statement. I did not understand the calculation. The man tried to explain over the phone but it still did not make sense. He put a supervisor on the call who went over it again. I told him I still did not understand where these numbers were coming from. He said the rate is 5.5 % now even though I had to agree on the last call. This took the payment from aprox. {$1000.00} to XXXX I asked him out of the {$1300.00} how much was going towards the principal as the payment details were not broke down on the documents like on my statements. He kept insisting that over {$500.00} was going toward the principal. I told him over and over again that didn't make sense as my interest rate was 6 % and only like {$230.00} goes toward the principal and if the principal was going up my house would be paid off twice as fast not over the same time period. He continued to insist he was right and his calls were recorded he is a supervisor, so I told him I would call back for an adjustment when I got my statement. Of course my statements show that {$200.00} is principal. This made me feel even more unsecure about the mortgage contract and said I would go into the bank for hopes of better understanding. I went to 3 branches and none had anyone to speak to about mortgages. I was given a card for the district manager to call for help. She said she retired 3 months ago and moved to XXXX. This was a Friday and the documents had a deadline of Sunday. I called the bank to see about getting an extension on submitting the documents and was told this was not an option. I underdress I went back to the bank first thing Saturday morning to get the documents notarized and they said they were booked up and could not help until Monday. I explained the documents had be sent XXXX by Sunday and they just apologized. It ended up costing {$200.00} for notary services. I did not have {$200.00} I had {$20.00} and fell into a full blown XXXX XXXX in fear of losing the house. A stranger in the store offered me a loan. Fast forward my XXXX appeal is still under medical review. I again submitted for assistance as I have had COVID twice and the flu once since doing the modification. US Bank again has only offered me a short sale. I am not employed as I became XXXX and awaiting social security appeal review. I was denied a unemployment forbearance because they said I am not unemployed. And again none of the options listed on the loss Mitigation summary are any of the COVID options. I feel that US Bank has not been helpful at all in trying to help me keep me and my family in our home due to circumstances of the pandemic, health issues and has cause me additional health issues. My children are also displaying XXXX and XXXX symptoms as we don't know how long we will even have a home and are with out a vehicle to go anywhere right now. I am sure that US bank took covid relief but now are not wanting to comply for homeowners. Im sure they would love to foreclose on my house with the current equity. Unfortunately because of my credit I cant access my equity to help me catch up on bills. I already tired to apply with US bank for an equity loan. Please help us! | ||||||
| 03/13/2019 | Yes |
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| I would like to file a complaint against US BANK for their customer service and credit reporting departments unprofessionalism towards me and their poor handling of my dispute. I contacted the customer service department numerous times last year after my banking and credit card accounts were mysteriously frozen because I was not made aware that a statement was missing and left undisclosed to me. The shocking way in which I found out my credit cards minimum payment was apparently a few days late was by the bank shutting down ALL access to my checking accounts and credit card, which is insane to me because this could have absolutely ruined my life had I been desperately in need of my money. Thankfully I was at the ATM for some petty cash for the day but I was sincerely shocked at how they handled an apparent late credit card statements that was due only a few days before that. No one called me, emailed me or mailed me a statement or a notice of any payment being due or even late. though not passed the grace period. My main reason for this complain is that within days of the missing statement/email reminder phone call I got a notification from my credit monitoring service that I had lost nearly 100 points off of my FICO score because US Bank prematurely sent my monthly status as 30 days late for XXXX of 2018. I had a nearly perfect FICO score before that and have so all of my life. It was XXXX before they affected it. As soon as I was aware that there was a statement due I called the customer service department and spoke to a representative, made the payment and asked that I be made certain that this would not affect my credit and right on that phone call the representative promised me and assured me that I was still within the grace period and I would not have anything negative reported against name and if by some chance it was I would be able to call in and have them reverse the negative reporting considering I never received any sort of notice for payment due reminder and that this has never happened to me not to mention my excellent customer status with the bank and my mortgage. I was furious when I saw my credit report and I went into the branch and spoke to a supervisor who said she couldnt reverse it on her end but if I contacted the customer service rep on the back of my card again they would do it for me. I called the department right away and then I was told that I had to submit this dispute in writing. Why? Is that the law, to submit it only in writing? Who is that convenient for? Why must I submit my personal information and situation thru the mail? One letter has completely gone missing and no retuned receipt was sent back to me nor was the letter forwarded back. Who is now at privilege of my birthday, last four of my social security number, complete credit card number and address? Also, this stall method means I look like an unreliable credit customer to all of my other creditors during the extent of their investigation. How is that fair? Why couldnt they take my dispute right then and there? Why inconvenience us and risk the letter getting lost and my credit damaged for even longer and further credit denied to me because of this late payment? Imagine my frustration here. One person leads me to another and no one wants to handle anything that concerns my unique situation. Further, I submitted 4 letters, 3 via certified mail with return receipt requested and one via regular mail to ensure that the letters were received by all departments found on the US Bank website ad via XXXX. By the 4th week I only revived back 2 of the certified returned receipts but not from a 3rd department. I dont understand why they did not receive my 3rd letter and I would like that investigated because I spent a lot of money on these letters and it seems to have gone missing. In my letter I specifically stated my issues and my frustrations that no one called me or emailed me or mailed me anything regarding a payment due and I also reminded them of their very own words when they assured me that my credit would not be affected and yet it was. I sent this out on XX/XX/ 2018 and in response I received a very generic and unacceptable response from ONLY 1 department in XXXX XXXX, MO. Where were the responses or letter acknowledgment from the other 3 departments? I was disappointed to see that the 1 and only response was generic with no facts or details referenced. Clearly no one read my letter apart from the sentence about the 30 day late XXXX. No one took my situation into consideration and their illegal acts of saying one thing to me and promising me that my financial life would not be jeopardized and them doing the complete opposite is a contradiction. There is not even a single mention of my complaint regarding their poor handling of my credit card account and their dangerous stunt of freezing all of my money and credit pending a payment! How are they allowed to hold my financial life hostage until they get a payment? What if I had a life and death situation? What If I had a huge financial decision to make that day? Their action wouldve completely jeopardized me. Why would this company not call me and notify me before doing something like this? I have been a loyal customer with them for over 13 years and never expected this kind of treatment. There is some sort of discrimination here for sure because they are illegally ruining peoples lives in order to bank on fees and such. I never received a statement and that is their initial mistake. I sent a huge amount of documentation and it was all ignored and all they want to leave me with is that I can resubmit more information. I truly feel that I have been wronged and I would like the CFPB to investigate everything that has conspired here and to hold them accountable for being inconsistent and for such poor customer treatment. My letters were not answered, a response from 1 out of 4 addresses is unacceptable. I was told it was not affecting my credit but it did. My situation was not addressed and a generic shut down of my request to remove the unfair 30 day late on my credit was thrown at me. I have been a loyal customer and being 30 days late is obviously not consistent with me and they have completely disrespected me and over looked that, even for courtesy sake. I do not wish to escalate this to litigation but I have suffered tremendous financial backlash because of the 100 point credit score drop and I have been denied improved interest rate elsewhere as a result. ( for security reasons I have created an email specifically to monitor and document this complaint and to avoid oversharing online on a public forum ) | ||||||
| 08/17/2023 | Yes |
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| I called Elan Financial Institution Customer Service for Credit Card Holders over the course of the last week on multiple occasions. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and I spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and Elan Financial Institution, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Elan Financial Institution privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 35 months ' worth of creditworthiness information unlawfully without my written or verbal consent and that's grounds for an {$35000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( 2375 ) without my expressed written consent. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The XXXX and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least XXXX cases of identity theft. More recently, in XXXX, a group of companies and individuals settled XXXX allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer. | ||||||
| 04/11/2019 | Yes |
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| Due to US banks gross negligence I XXXX XXXX am requesting that {$1000.00} of overdraft fees be refunded to our accounts, and that the threat of Collection cease. Heres what happened : On XX/XX/XXXX after an ongoing hardship due to my wifes XXXX related illness, our personal checking account began accruing overdraft fees at {$36.00} each. My Wife XXXX who is joint on the account, suffered with XXXX XXXX the entire XXXX, and XXXX XXXX during XXXX, which we learned is often brought out of dormancy in XXXX/XXXX, accompanied by daily XXXX XXXX and XXXX. Her XXXX XXXX XXXX XXXX which I worked for - our only source of income, had ceased to serve or attract clients. I called US bank XXXX and spoke young man XXXX, who said he had only been there two months, and refunded Qty 10 {$36.00} overdraft fees on the spot, after I explained our hardship. That same day I went to the local US bank branch at XXXX XXXX XXXX XXXX, XXXX, CO XXXX and asked XXXX, the branch manager, if there was any way I could block my personal checking account so the fees would stop and I could contact my creditors. He replied no, we can only do that when there is fraud By XX/XX/XXXX, 10 more overdraft fees had accrued between our personal and business checking account. I called US bank XXXX and spoke with XXXX, a manager of online banking. I explained my wifes illness and our present hardship, with a XXXX and a XXXX year old to care for and requested assistance with the fees. XXXX first said she could not refund any more fees, and after I pleaded with her she proceeded to shame and scold me, then begrudgingly agreed to refund five fees between the two accounts. I again asked if my checking account could be blocked to avoid further fees, and she said No it is not possible We received one time assistance from my XXXX yr old mother, who is living on Social Security, while I looked for a job and tried to attract clients for the business. On XX/XX/XXXX, I was sent {$300.00} via XXXX from my Mother, so I could avoid more upcoming fees, and there was a glitch with XXXX that prevented them from being received on the XXXX and I called US bank XXXX and spoke to XXXX, who place me on hold and explained what happened to an online manager on XX/XX/XXXX, XXXX said yes we can see the glitch and are in the process of refunding the six fees that occurred, please continue to hold. By accident my XXXX year-old hung up my phone. I called back and got a different manager XXXX, who argued with me and said he would not refund anything. I called back and explained what happened to a rep who, said all managers are different, and sent a message to XXXX asking her to call me back to continue the refund, and she did not call back. On XX/XX/XXXX I began a new job training to manage a XXXX XXXX XXXX center, after placing countless applications and resumes. My job would be paying $ XXXX/hr for 6 weeks during the training phase before I would begin earning commissions, and could not afford to have my checks directly deposited into my account against so many overdraft fees. I called the US Bank branch in CA where we opened our accounts 8 years ago - XXXX XXXX XXXX XXXX. XXXX, CA XXXX XXXX and spoke to XXXX the branch manager. By this time, the number of fees accrued were insurmountable. I explained our hardship with my Wifes XXXX illness, our XXXX XXXX XXXX taking a major hit and my frantic search for a job while caring for XXXX children. He said and I quote we could just block your account. After two US Bank online managers, and the manager at the XXXX XXXX XXXX location had all told me know that could not be done! From XX/XX/XXXX to XX/XX/XXXX, there have been 34 overdraft or extended overdraft fees at {$36.00} each on our personal checking account ending in XXXX, and 11 overdraft fees at {$36.00} each on our business checking account ending in XXXX. Thats a total of 45 fees. 14 fees were refunded in account ending in XXXX, and three fees were refunded in account ending in XXXX. XXXX then proceeded to advise me to call XXXX XXXX, the US Bank regional manager, at XXXX or XXXX and said he would be out of the office until Friday. He further advised that if I could not get favorable results from XXXX XXXX, that I should contact The consumer financial protection agency, stating the agency had helped him personally in the past I left a message for XXXX XXXX on Thursday, XX/XX/XXXX and his personal secretary called me back, asking me to give her the details. I once again, explained our hardship, and the fact that all of the overdraft/extended overdraft fees charged after XX/XX/XXXX would not have occurred if US Bank online or branch management had told the truth about their ability to block my account so I could communicate with our creditors and avoid the inevitable overdraft/extended overdraft fees. Friday, XX/XX/XXXX, I received a call from XXXX, the manager at the XXXX XXXX branch saying that XXXX XXXX reviewed my accounts and could refund only 4 of the 28 outstanding overdraft fees. I told XXXX that this was not acceptable and asked him to block our personal checking account which he did easily over the phone - in minutes. Thus I am contacting theConsumer Financial Protection agency, as advised by XXXX, the US bank branch manager. Since XX/XX/XXXX our two checking accounts have been debited {$1600.00} in overdraft/ extended overdraft fees, and refunded {$610.00}, leaving {$1000.00} in unpaid overdraft fees. On XX/XX/XXXX, we received a phone call from US Bank stating that if the fees on our checking account were not paid by XX/XX/XXXX, we would be sent to collections. I was fully cognizant of the impending gravity of our financial situation back in XX/XX/XXXX, and knew the time it could take to land a job to make up for my our home business loss. I have been relying on assistance and charity to feed my family. Id inquired numerous times for assistance with our hardship, requesting the ability to block our accounts, and was lied to about US Banks ability to block our checking accounts on 3 occasions. Had I been given complete and accurate information by US bank Management I would have have blocked one or both of our accounts, on XX/XX/XXXX upon my first request at our local XXXX Colorado Branch. Due to US banks gross negligence I am requesting that {$1000.00} of overdraft fees be refunded to our accounts, and that the threat of Collection cease. Currently our personal checking account ending in XXXX has a negative balance of - XXXX and our business checking account has a negative balance of XXXX. You Assistance in this matter is greatly appreciated. Sincerely, XXXX XXXX and Family | ||||||
| 12/15/2020 | Yes |
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| Unemployment benefits are being frozen fraudulently by US Relia Card. I myself along with several thousands of other Americans have had our accounts frozen for no legit reason. Mine was locked after I made a claim after money was stolen off my card. And when I did the address change my card never arrived. But it was activated and someone did try to withdraw funds. When I called them about this they informed me that my card, the one that I never received was locked. And that I would need to send proof of ID and address in order to unlock my account. My account has a positive balance of over 700.00 that I have not been able to access in over a month. I sent in all fax 's as I was asked and each time I would have to wait in between for the system to so called update. But when I would call back I was told they never received it or it was unreadable. I have sent in fax 's 2 or 3 times. Each time something was preventing my account from being reactivated. This all started in XX/XX/XXXXwhen I saw the unauthorized transactions. I first sent copies of my ID on XX/XX/2020. I asked the CS rep before I faxed them anything that my ID was from Texas XX/XX/XXXXXXXX XXXX. Seeing as how that was the only ID I had at the time, I asked if that would be accepted. I was told that it would be accepted as proof of ID. So on XXXX XXXX XX/XX/XXXX I faxed them my ID. And as instructed I lightened the document and enlarged them as well. When I called US Relia Card back on or about 4 or 5 days later, to verify that they had received my fax they said they had received it and that my ID had been accepted but I still needed proof of address. I asked what were acceptable documents to do this and was told since I didn't receive any mail at the address like a bill or a govt.letter or document, that I would have to send in a copy of the home owners ID with the address on it and a letter stating I could receive mail there. I did this a few days later. And waited another four or so day then called back. I was told that the ID of the homeowner was unreadable. Now mind you the copy of the home owners ID that I faxed covered the entire 811 sheet of paper. So in no way could it not be read. So I asked for a supervisor and was told it wasn't the size which is what I had been told several times before I asked for a supervisor. But it was to dark. So I obliged and resent the fax of the homeowners ID. I lightened it by two shades and faxed it again about 3 days later. So then I had to wait for the so called system update then called back and asked if the fax was received. I was told it was but the fax was once again too dark I started questioning the CS rep cuz I had just gone through this. Then she switched it and said oh it says that the fax was fine but it wasn't a fax of my ID and that they needed my ID. Now by this time I am very angry. I asked the rep to give me a supervisor. I was then hung up on cuz I was yelling at the rep. So I called back and I asked for a supervisor immediately. I was placed on hold for 20 min. When I finally got thru I was told it was my ID that I had sent in over a month ago that was too dark. I knew at that moment that these people were lying to me. I had been told back in XXXX that my ID had been accepted. And had been in touch with these people for the last few weeks and if my ID was the problem then why wasn't I told that a month ago or any of the other times I had called in. So the so called supervisor told me to download this app that I could use my phone to fax my copy of my ID that was now 30 days later all of a sudden isn't able to be read. I also told her what kind of ID I had XX/XX/XXXXXX/XX/XXXX and she too said that was fine. She also let me change my address by also faxing a copy of a govt document that I had received at my previous address because at this time I have no idea who stole my card that was mailed out during the very beginning of all this. So I downloaded the app. I asked the " supervisor '' how would she kow I had sent it did I need to put her name on it she said no that she had the fax that were coming in, on que so she would be able to see when I faxed it. She also told me that once I did this that she would expedite me a new card and my account would be unlocked finally. So I did as I was asked amd called in 3 days later when no card arrived amd was told that my ID wasn't accepted from when I sent it on the XXXX of XXXX And that they didn't know anything about a fax that I was told to send in by a " supervisor ''. So I asked how is my ID all of a sudden 30 or so days later not accepted. But the reps at this place are either very stupid or they know exactly what's going on. She said that the ID I sent in with offender on it was not acceptable ID. But wait I thought my ID was not able to be read cuz it was too dark? Then how did she know it read offender at the bottom if it was too dark to be read? Which means that they had received my fax from the XXXX of XXXX from the app that the supervisor from a few days ago asked me to send. By then I was done. I hung up and haven't called back. I did ask what would happen if I couldn't prove my identity she said the account would eventually be closed. Which didn't make any sense. Also when I was told my ID wouldn't be accepted they also said that I needed to send in a letter from the person who I was receiving my mail from which I already had done and they said her copy of the ID I sent for the homeowner the lightened copy was still too dark. So in all it was three or four of the same excuses or lies they had told me before. So I did a lil digging and found out that thousands of people were going thru the same thing. will help us people are being thrown out of their homes cuz they can't pay their rent or they are having things repossessed like family vehicles. People 's children are going hungry some with no utilities all because of US Relia Card illegally freezing accounts for profit. Also I would like to add that someone from one of the sites I think XXXX came up with a way to get your ID verified through the bank without having to send fax through people who were obviously lying. We were directed to a site from the bank that has to verify your identity by uploading a copy. So I went to the site from my cellphone which is also the registered number on the account. Once I did that and it went to the site I was shown a message stating that the site was down for construction and would be back up in 30 min. So I went to the same site from another device and was given instant access to the webpage. I screenshot both. Needless to say the site never came from under construction. | ||||||
| 07/11/2023 | Yes |
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| Chronologically : Points XXXX are all from previous complaint XXXX. XXXX onwards are new. XXXX ) Friday XX/XX/XXXX, I received a notification from my customer XXXX that my consulting fees of {$24000.00} have been XXXX transferred to my bank account at US bank ( checking account ) XXXX ) Weekend of XXXX XXXX, I tried to check online and found XXXX XXXX. I called customer service and was told account has been locked by fraud department. Since this is the weekend, call the fraud department on Monday. XXXX ) Monday called customer service and after a long wait connected to the fraud department. She refused to say what is the fraud and refused to help. On Tuesday, I was told briefly that the reason they see is names do not match. I was also told to go to my local branch in XXXX XXXX, IL and talk to branch XXXX. I could not since I was traveling. XXXX ) On XX/XX/XXXX my customer XXXX called and asked if everything is OK with my bank. Someone from US Bank called them and asked her if transfer is legit. She told them of course it was. XXXX ) On Saturday, XX/XX/XXXX I went to local US Bank and was told XXXX is on vacation. He will return next Tuesday XX/XX/XXXX. I reached out to US Bank efraud department who has frozen my account- XXXX XXXX by phone multiple times, she never replied. Called local branch XXXX XXXX on XX/XX/XXXX, he was the only XXXX who was helpful. I was told that bank suspected fraud since the name on XXXX was XXXX XXXX XXXX XXXX and the name on account is my name XXXX XXXX. I told him that is my company name and I and my wife are the only owners and workers in the company. Also, I had been receiving XXXX XXXX payments XXXX XXXX to US Bank this XXXX without any issues. He told me to reach out to XXXX XXXX from XXXX to resolve. I called and emailed him tens of times without a single response from efraud department. XXXX ) On Friday XX/XX/XXXX, I sent my business license XXXX to XXXX, local branch XXXX by email proving that I am the President and owner of XXXX XXXX XXXX. XXXX ) Tuesday XX/XX/XXXX - response from XXXX - " I received a reply from XXXX, the XXXX XXXX you had reached out to. After sending the business documents, they are required to send the funds back to the sender and the account be closed. They are not allowing branches to release the funds. I asked him to expedite the process and he was able to submit the request but no time frame. '' XXXX ) XXXX passed, followed up with my customer XXXX if they received any request, they never did and nor did their bank XXXX XXXX bank. From XX/XX/XXXX - XXXX followed up with US Bank XXXX department multiple times and never any response. Received a response from XXXX - bank XXXX on XX/XX/XXXX - " I apologize that they are unresponsive. There are updated notes stating US Bank has submitted the request to send the funds back to the originator and we are waiting for the originator to respond to the request. '' Again, my customer XXXX said they received no request. I don't know if their bank XXXX received any request. XXXX ) Monday XX/XX/XXXX - email from XXXX- '' I received a response today regarding the account. They gave me approval to release the holds and release the funds to your business name. However, we have to wait until the XXXX in order to create the check. '' XXXX ) Went to bank on XX/XX/XXXX hoping that I will see my money. I was told by XXXX that there is a new claim ( from my customer XXXX bank XXXX XXXX Bank ) - XXXX ( description in letter that I received says Hold Harmless Request ). US Bank debited {$24000.00} from my account and is holding it. The funds will be held for XXXX business days ( after already being held for a month ) before being released to XXXX. The option is to dispute the claim which I was advised to do by the XXXX XXXX XXXX and the bank XXXX. Bank XXXX again submitted my business license papers to US Bank fraud center by email. XXXX ) Today XX/XX/XXXX, I received a notification from customer XXXX that the bank XXXX has told them that US bank has denied the claim and there is nothing more XXXX can do. US Bank will be able to release the funds to my account. XXXX ) I called US Bank XXXX XXXX XXXX and talked to front office XXXX. First issue is front office knows nothing about the case, only back office knows, and they wont speak with me. Front office told me that back office says claim is still there from XXXX. They can not do anything. XXXX already said there is no claim anymore since they received the denial affidavit. Back office also said to front office ( XXXX I was speaking to ) that even after claim is withdrawn, they wont pay me back. They can only return money to XXXX which anyway they failed to do after more than 1 month. XXXX ) Reached out to XXXX branch XXXX again and requested that he release the funds now that there is no claim from XXXX XXXX He himself wrote before " I received a response today regarding the account. They gave me approval to release the holds and release the funds to your business name. However, we have to wait until the XXXX in order to create the check. '' XXXX ) He responded " Prior to the funds being taken out of your account from our fraud department, that statement was true. Once the funds were taken out, the approval to release funds was revoked. It is now completely out of the hands of the branches as everything has been taken over by US Bank fraud, which is why I have provided you with the case # and phone number to the fraud liaison center. When the funds are returned with no holds on the account, that is when I can obtain a new approval to release the funds. '' XXXX ) As shown in the XXXX attached letters - XXXX encl CFPB ( XXXX ), I was told to wait XXXX business days from XX/XX/XXXX ( XX/XX/XXXX ) before the funds will be automatically released to XXXX XXXX XXXX XXXX XXXX ) Called on XX/XX/XXXX and the front office fraud rep said yes since the letter stated XXXX business days, the funds have been returned. I told my client company to find out from XXXX if they received the funds. XXXX ) XX/XX/XXXX, client says XXXX has not received any money. Called XXXX department again and the lady there promised to give me the transfer date and any reference number like ACH number so that XXXX can locate. She asked me to follow up. XXXX ) Called today XX/XX/XXXX and found she has been unable to find any information since back office is unreachable and there is no information that funds have been returned nor any information when it will be. It is open ended instead of XXXX business days as promised and written in enclosed letter. I asked again to get the reference number and transfer date. | ||||||
| 11/01/2019 | Yes |
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Web | Servicemember |
| US Bank contradicted itself by charging {$520.00} per month in XX/XX/XXXXwhile the attached letter from US Bank states that the payment was {$480.00}. US Bank is in breach of the Settle Agreement of XX/XX/XXXX by changing the agreed monthly payment, did not explain itself after numerous inquiries, charged attorney fees in XXXX and XX/XX/XXXX, not applying payments on the effective date, refused payments, and refused to send requested documents. US Bank also has charged numerous " Property Preservation '' fees beginning on XX/XX/XXXX. ( see Customer Account Activity Statement ) This is more than a year and a half before US Bank falsely claimed that I was in breach of the note. Property Preservation fees are paid to someone hired or contracted to " preserve '' the property, particularly when the property is abandoned. At no time was my property abandoned, and at no time did anyone come onto my property to do any work to preserve it. Please keep in mind US Bank charged my account {$15.00} each time. Which begs to ask, what work can be expected for {$15.00}? Did they sweep the sidewalk for 5 minutes? Who at US Bank decided on the need to preserve my property and who did the work? Attached is the US Bank letter dated XX/XX/XXXX, Customer Account Activity Statement supplied by US Bank, receipts from hand delivered payments to local US Bank branches. Comparing the dates on the receipts and the dates on the Customer Account Activity Statement, it is obvious that US Bank applied only 2 receipts on the effective date, while delaying or refusing 102 payments. In a letter written XX/XX/XXXX by XXXX XXXX, Customer Advocacy Specialist for US Bank, she states the following : The term " without '' : After I wrote stating that US Bank is operating without the Security Instrument and the Note, Ms. XXXX thought " without '' meant that US Bank was not in possession of the Instrument and the Note, and includes a copy of both in her response, instead knowing the meaning of " without '' is the opposite of " within '', thereby disregarding all proof I provided of US Bank using a suspense account, delaying payments, rejecting payments, and requiring certified funds. Payment and unusual account activity XX/XX/XXXX : Ms. XXXX wrote " your account was brought current and due for the XX/XX/XXXX installment. '' The account was not taken out of foreclosure untilXX/XX/XXXX as per a letter written by US Bank attorney Ms. XXXX. Shortly after payment was mailed to Ms. XXXX law firm in XXXX. US Bank applied the payment on XX/XX/XXXX. On XX/XX/XXXX US Bank levied a {$15.00} late fee as per the Customer Account Activity Statement. On XX/XX/XXXX US Bank charged {$690.00} and {$380.00} as an Attorney Advance. On XX/XX/XXXX US Bank accredited the loan {$1000.00} and also charged the loan {$1000.00} as Corp Advance Adjustment. See Customer Account Activity Statement. Payments applied effective date of receipt : To the readers be advised that all payments beginning XX/XX/XXXX were delivered to local US Bank branches, and once in XXXX, Indiana. Ms. XXXX wrote " payments made at a branch are mailed to our payment processing center creating a slight delay in processing payments ; however, once payments received and processed, the payments are applied with an effective date of the day it was received at the branch. '' Ms. XXXX did not mention that US Bank can electronically process payments at a branch and is applied the day after. As per the Customer Account Activity Statement only 2 of the electronically processed payments were applied the " effective date of the day it was received at the branch ''. Also, no payment mailed from the branch was applied the effective date received ( see Receipt images ). Furthermore, some of the payments delivered to the branch were processed electronically, but most of them I was told had to be mailed. Ms. XXXX did not answer my question of what the US Bank policy is on whether a payment is to be processed electronically or to be mailed in. Neither did she answer by what law based authority nor who at US Bank makes this distinction. Partial payments : Concerning partial payments Ms. XXXX wrote " we are not able to credit your mortgage account payment, until the entire amount of your principle, interest, and escrow has been received. '' She did not answer my question of US Bank policy to not credit partial payments immediately. But she then states " funds received that were less than the amount of your payment and the account the due date has passed, the funds are applied to your suspense account until additional funds were received to credit the entire payment, or possibly returned depending on the default status of the account. '' As per the Activity Statement no partial payments received before the due date were applied the effective date of receipt. Also Ms. XXXX did not answer my question of US Bank 's use of a suspense account not being enumerated in the Security Instrument or the Note. ( Suspense accounts are used by corporations to hold funds that are either not known of what account to apply funds to, origin of funds not known, or suspected illegal use such as drug money. None of these descriptions apply to my mortgage account being that US Bank knows who I am, what account the funds are to be applied, and that my funds are not of illegal origin. Therefore, funds that US Bank applied to " my '' suspense account should've been applied to the escrow account. ) Ms. XXXX then affirms both her and my assessment of partial payments ; " If the due date has not been reached, and a partial payment is received, these funds will be applied as a principle curtailment. '' As per the Customer Account Activity Statement, no partial payments received before the due date were applied to the principle, but instead applied to the suspense account, thereby not reducing the principle and reducing the accrued interest, but keeping the principle at the previous level, not reducing the accrued interest level, and giving US Bank the opportunity to make interest off funds in the suspense account intended for principle. Payment increase : Ms. XXXX writes ; " Your payment increased form {$480.00} to {$540.00} effective XX/XX/XXXX ''. This statement is in agreement with my argument that payments were {$480.00} as I paid {$480.00}. Therefore, US Bank 's assertment that payments in XX/XX/XXXX were above {$480.00} are false. US Bank is breach of the Settlement Agreement of XXXX XX/XX/XXXX. Due to these facts I request that the account be reassessed for the year XXXX to date following the writings of Ms. XXXX. | ||||||
| 11/08/2022 | Yes |
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| I recently obtained the American dream a few months ago and US bank has turned it into a nightmare. I was fortunate enough to close on my mortgage in XXXX and thats when my troubles started. I have been continuously given misinformation as to my first mortgage payment due date. Outlined below is how my ordeal unfolded. XX/XX/XXXX Signed into my online banking account to set up my mortgage payments to be paid online, noticed two accounts totaling over {$400.00}, XXXX. I called XXXX XXXX ; she is the agent who helped me with my loan. I explained to her that I went to set up my online mortgage payments and noticed two accounts, and asked did she know why there were two accounts? She couldnt tell me why but suggested that I go into a branch to make my first mortgage payment. XX/XX/XXXX I went into the US Bank branch located on XXXX and XXXX XXXX XXXX XXXX, IL to make my first mortgage payment that I thought was due XX/XX/XXXX per my closing documents. I walked up to the teller ( cant remember his name ) and explained to him that I was there to make a mortgage payment. He asked for my name, looked up my account and advised me that he could not take my mortgage payment due to the account being closed. I responded that I didnt understand as to why there were two accounts under my profile. He was unable to explain to me why and neither was he able to accept any payment into either account and advised me to speak to their mortgage loan agent who wouldnt be back in until Monday. XX/XX/XXXX Monday morning I reached the mortgage loan agent from the XXXX XXXX branch and she could not help me and advised that I call the person who originally helped me with my loan. I called XXXX XXXX and explained to her I went into the bank on Saturday to pay my first mortgage payment and was told that they could not take my payment because the account was closed. XXXX asked me to give her a moment to find out what was going on and she would call me back. XXXX called me back the same day and told me that that first account was indeed closed because they were setting up a new account which is why I saw the two accounts when I logged into my US Bank account. She stated that she was instructed that I not deposit any money into that account and that my first mortgage payment is now due XX/XX/XXXX. I asked if she was sure and why? XXXX explained that due to the XXXX down payment assistance program that I received it has to be added to the account. Later the week of the XXXX received a letter from US bank via the USPS stating that I have a new loan number and effective XX/XX/XXXX the servicing of my mortgage loan was being transferred. I noticed a total payment balance on the document and made my first call to the new servicer to inquire about the new loan and to ask what is that balance on the document. I was told to not worry about it and that my first mortgage payment is due XX/XX/XXXX. I asked if they were sure, and they reassured me ( I didnt think to get person name ). XX/XX/XXXX I get a text message stating my mortgage is due, I make another call to the new servicer and ask why am I getting this text message when I was told my first mortgage payment is not due until XX/XX/XXXX. Again, I was told basically the system has not made the update yet and to make my first payment on XX/XX/XXXX. XX/XX/XXXX I get another text message ; I call the new servicer again and was told make the first payment XX/XX/XXXX. XX/XX/XXXX I go online to make my first mortgage payment for the XX/XX/XXXX. The payment goes into the new account and next mortgage payment due date was XX/XX/XXXX. XXXX I went into my account to make sure everything was good and I see that my mortgage payment was moved from the new account into the old account that I was informed had been closed and to not put any payments in. I called the new servicer again. This time I started taking names. First, I spoke with XXXX, she was shocked at what happened and stated she couldnt understand why the payment was put into that old account and asked could she call me back while she investigates. XXXX called me back about 1 -2 hrs. later to tell me she is not sure why the money was placed in the old account but that she would transfer me to someone who could help me. I was transferred to XXXX. XXXX doesnt understand why the payment was placed into the old account and informed me she could do a reversal and put the money back into the correct account. She placed me on hold for a very long time and when she came back, she introduced XXXX from the escalation department and explained that she could better help me. XXXX, first told me that she could do a reversal, and placed me on hold for a long time. She returned and had a different story as to why the payment was placed into the old account. I was informed by XXXX that a letter was generated on XX/XX/XXXX and sent to me via mail informing me that my mortgage payment would go into the old account. I explained to XXXX that I had just paid my mortgage on XX/XX/XXXX so how was the letter sent to me? And that I had not yet received it in the mail and that XX/XX/XXXX was just 3 days ago. I asked XXXX if she could explain how I could walk into a US bank branch and be told that they could not take my payment because the account was closed? And then to be told by several other US bank employees the account was closed and not to make a payment until XXXX. How does my payment go into a closed account? And now she is telling me that I still need to pay XXXX mortgage. I told XXXX I paid XXXX mortgage as I was instructed to do and then she added XXXX to the call from the collections department. I asked why is XXXX on the phone from collections? At that point I was tired of the back and forth and asked if I could speak with a manager. She informed me that she was the manager and so I asked XXXX if she could start an investigation as to why I was told one thing and another happened. In the meantime, I called XXXX XXXX to explain what is happening and she said that payment should not have gone into the old account and that she would inform her manager as to what was happening and that maybe she could help. XXXX I called US bank new servicer to inquire if the investigation was opened by XXXX and it was not. I then spoke with XXXX who stated that she initiated an investigation and that she also called the XXXX XXXX branch manager to have her start an investigation within the branch to ascertain why my payment was not taken the day I came into the branch. I am thoroughly frustrated at this point. | ||||||
| 10/16/2023 | Yes |
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| on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX l was informed that they were instructed to commence a non-judicial foreclosure on my property. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX by the servicer U.S. Bank National Association . The underlying debt is the sole obligation of the individual ( s ) who obtained or who legally agreed to assume the loan. It states the letter should not be construed as an attempt to collect a debt from any non-obligated party, including authorized persons receiving this letter on behalf of the consumer. Then it states other things. ( see enclosed copy of letter ). Who is the individual who obtained or legally agreed to assume the loan????? The loan is not assumable. I have XXXX or XXXX in equity. My business closed do to COV-id. I have not been able to find suitable work since XXXX of XXXX. I have been jumping through hoops with the State of Idaho and haven't received a paycheck since XXXX which was not enough to pay the utilities and the house payment and a car payment. I tried to communicate with U.S. Bank and thought they were reviewing my paperwork for forbearance. Seems if you are a native XXXX, you can't get a job here. How could I owe XXXX dollars on a loan that was for XXXX in XXXX. I have paid all the penalties to the tune of XXXX dollars after my forbearance. Which now obligates me to pay HUD XXXX plus interest. If I received the letter on the XXXX, of XXXX how can I respond by the XXXX. I don't show a date when the letter was written. Today is the XXXX, and Sunday. On the XXXX I had the medical Navigator try to help me with the bank. The first person I was connected to said they received the paperwork and were reviewing it. At that time, I asked for a breakdown of the XXXX they received from XXXX XXXXXXXX from the haf program, for the 5th time. Then she kept giving me the run around this went on for at least 20 minutes. The reason I asked for help through the navigator is because this whole experience with U.S. Bank home mortgage has been a nightmare. In XXXX. I claimed bankruptcy but the house was not included in the bankruptcy. I hadn't missed a payment from XXXX to XXXX, when I was XXXX XXXX on a job. I had started this business in XXXX and at that time I realized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against a XXXX XXXX woman. That experience cost me XXXX dollars a month. So my part time job of 21 years said they would put me to work full time in XXXX. I was already at the XXXX XXXX which is the place you wanted to be to make more money. So I thought I would be okay. I was also working some hours with the XXXX XXXXXXXX. Then XX/XX/XXXX those were the first two business to shut down. I had worked it out with US Bank so I thought but as soon as I tried to get a loan to start my other business in XXXX I found out that US bank had never reported the sale of my house on my credit report. I filed a complaint with the CFPB because they had received money from Respa in XXXX when I made the payments. So they finally gave me the forbearance after the complaint. 9 months after first asking for help. Then in XXXX I was behind 3 payments and had just got divorced they said they would push the payments to the end of the loan. The next thing I knew I made an appointment with a person at the US bank on XXXX, she informed me at that time she showed 3 modifications, and I left there crying thinking I was going crazy. One modification said I personally appeared in XXXX. I have never been to XXXX Not only has this loan caused me severe physical harm but jumping through the hoops to get back to work has been one obstacle after another. I was found to be partially XXXX and didn't realize why I was having such a hard time when trying to read the paperwork associated with my mortgage it's been overwhelming it has come close to killing me and I am not exaggerating. That is why I had the Medical Navigator help me because I feel like I am stupid and that I wasn't making myself clear when asking questions and trying to get information from my servicer. Not only did they get XXXX from Hud in my name but they also received another XXXX from me for anything behind in XXXX which was in dispute also, considering the house payments at that time were only XXXX dollars. I have XXXX and it seems that stress is the motivating factor, and it has been attacking my body for over 9 months. I have plenty of equity in this house to help me through this unfortunate battle with the bank. The medical Navigator was still shaking her head when I left her office in disbelief at what had just transpired with that telephone conversation. But she had another appointment and I had already been there for an hour and a half with no resolution. She informed me at that time she understood my distress and was still shaking her head at that time. To address the letter I received from XXXX XXXX XXXX XXXX I am disputing alot of the information in the said letter I received on the XXXX Saturday, at XXXX XXXX. Trust me nobody wants me to get back to work worse than I do. I can't wait to get the glasses that were prescribed me back in XXXX which finally qualified me for services through the XXXX XXXX. I figured since my car was repossessed 2 weeks ago, I could make a house payment once I get back to work. If the stress of it all doesn't kill me first like it did my sister when she lost her house. Now I see how she couldn't get the services she needed being on XXXX and XXXX that took her life in XXXX on the 28 day which was her Grandsons, XXXX birthdays. I thought she wasn't being proactive enough, but I was wrong. Do you want to know the saddest part of all that is her and my nieces ' trailers are still sitting on the land that was supposed to be sold to the big developers that was a bad actor trying to get the property that he/she had no right to. My sister had been there for 17 years and kept the property cleaned up as part of the agreement she had with the owner. If I hadn't been in my own battle with my property maybe I would have realized how sick she was. XX/XX/XXXX was when she had to be off the property that caused her XXXX XXXX that XXXX XXXXer XXXX months later. So, my XXXX is going crazy right now. She was only 18 months older than I am. And the lawyer who almost had my property foreclosed on was her lawyer and he got her XXXX dollars for her trailer and the 17 years she was there. Pretty sad don't you think. | ||||||
| 06/15/2018 | Yes |
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| XXXX XXXX XXXX XXXX has been calling me since XX/XX/XXXX threatening me by saying that I will be taken to court and sued if I do not pay off a debt. Each time I've spoken to someone there I've gotten different information, the most concerning piece is that I was first told that their company did not know where the supposed debt originated from, then when I sent a debt validation letter requesting specific information to prove this was a valid debt they sent me a 1 page document stating the debt originated from XXXX XXXX. After ensuring it was not through XXXX XXXX, the company is now telling me that the document they sent me was incorrect ( supposedly human error ) and that the debt actually originated from US Bank. I did have an account opened XX/XX/XXXX ( 10 days prior to the date XXXX XXXX XXXX quoted me on the phone ) and the high balance was {$630.00}, which is very close to the amount quoted to me. Sometime around XX/XX/XXXX to XX/XX/XXXX I paid off this debt owed to US Bank. I had gotten calls about the debt and so I went into a US Bank and paid it off. I believe the US Bank I walked into to pay it off was at XXXX XXXX XXXX XXXX, XXXX ID XXXX. If US Bank could help confirm either my payment of this debt previously or that this debt is legitimate that would be great. Like I said, I paid a debt to US Bank around 7 years ago and do not believe I owe anything else. However, with this being related to an account 10 years old and the constant pressure from XXXX XXXX XXXX XXXX I am doubting myself and want to be sure I do not owe this money. Please see the timeline below of communication that has occurred and my attached documents : Thursday, XX/XX/XXXX - Initial voicemail left on my phone stating legal paperwork was scheduled to be delivered but no address was on file so I needed to call and give that address or else I would be considered as non-compliant. - My initial phone call to XXXX XXXX XXXX XXXX to get further information and I spoke to XXXX XXXX. - He could not tell me where the original account was through, stated the only information provided to their company was that it was a DDA ( direct deposit account ). -I called US Bank and XXXX XXXX XXXX XXXX ( only two banks I would have had at that time and both had no information on that account number in their system ). - Researched debt validation letter and decided to send one. Friday, XX/XX/XXXX - Called XXXX XXXX XXXX XXXX to get contact information and spoke to XXXX who gave me the email address. - Called XXXX XXXX XXXX XXXX a second time to get physical address to be able to send debt validation letter to company via certified mail also. - Spoke to department manager. He asked if I needed the address to mail a payment or for correspondence. I answered for correspondence and he freely gave me an address ( XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) - Sent debt validation letter request to XXXX XXXX XXXX XXXX via email. The letter requested the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent Monday, XX/XX/XXXX - Received return email considered to be XXXX XXXX XXXX XXXX ' response to debt validation letter request ( attached ) which listed the debt originated from XXXX XXXX. It was just a one page document and provided basically none of the information I had requested. Monday, XX/XX/XXXX - Stopped at USPS to send debt validation letter via certified mail - USPS employee was unable to locate company/address to mail the letter. - USPS employee stated that the city and zip code did not match and he was unable to find any company information. Tuesday, XX/XX/XXXX - My wife received voicemail from XXXX XXXX XXXX XXXX stating the delivery of legal documents was unsuccessful and that they would attempt to deliver the documents at my place of employment next unless I called and gave my address. - Called back and spoke with XXXX for 1 hour. - XXXX asked what address I had been given previously because I had mentioned that I was unable to mail my letter. I told him I'd rather he give me the correct address so I could compare. At that, he stated that it was not the company 's standard practice to give out their address. I responded that the department manager had given me the address previously. He put me on on hold for a bit, then came back on and gave me a brand new address. Completely different than the address I was given before ( XXXX XXXX XXXX, XXXX, XXXX XXXX ). - Told that once I sign for the legal documents that their business is no longer involved because they are only the mediators. Once I sign for the legal documents I will be taken to court and it will cost way more money than just paying XXXX XXXX XXXX XXXX the balance that is owed. - While discussing all of the issues at hand, I explained that XXXX XXXX had confirmed that the debt was not with them. After stating this, XXXX told me that the debt was through US Bank, not through XXXX XXXX. This was the point that I discovered the original document they had sent to me on XX/XX/XXXX has listed the incorrect origination of debt. - Requested that XXXX XXXX XXXX XXXX send a new debt validation letter and also confirmation as to how the mistake occurred in the original document sent to me that had stated the debt was through XXXX XXXX. -Spoke to XXXX a second time when he returned phone call to say that XXXX XXXX , a young lady in their letter producing department, had mistakenly put the wrong bank on the document. She supposedly had two accounts pulled up and had put XXXX XXXX on my document and US Bank on the next person 's document, in essence, had supposedly swapped them. Wednesday, XX/XX/XXXX - Spoke to XXXX about the new corrected document being emailed because I had not yet received it. While on the phone he had XXXX XXXX send the new document. - XXXX assured me that if I'm able to prove that this debt is not owed then they will close this account out. He has given me until Monday, XX/XX/XXXX to try and get some answers before he sends out the legal documents again. | ||||||
| 04/28/2022 | Yes |
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| This is a follow-up complaint to complaint ID # XXXX that was resolved and closed. Issue # 1 : On XX/XX/XXXX at XXXX PM eastern time, I received a sales call from a banker at the XXXX XXXX, OH branch who called me from ( XXXX ) XXXX and told me " since you have a mortgage with us we'd like to offer you other services like our platinum checking, etc. '' This sales call was made despite being on the do not call list. I previously complained about unsolicited sales calls from their local branch ( formally as part of my prior CFPB complaint referenced above ) and requested to be placed on the do not call list. I received a letter from US Bank dated XX/XX/XXXX in response to my CFPB complaint that specifically stated : Regarding your solicitation concerns ; we contacted your local U.S. Bank branch and it was determined that your profile reflected marketing allowed. They updated your profile to reflect no mail or phone marketing. If you have any questions, please contact the XXXX XXXX, XXXX XXXX... Why am I still getting sleazy sales phone calls despite repeatedly asking to be on the do not call list and U.S. Bank and even verifying per their letter dated XX/XX/XXXX that I was placed on the no mail/no phone marketing list? Furthermore, the fact that theyre stating that I have a mortgage with them as the reason for their sales call as if we have some consensual relationship is absolutely misleading and downright sleazy behavior directed towards consumers. My mortgage is owned by XXXX XXXX, U.S. Bank is just the servicer ( albeit a servicer who is incompetent and negligent in servicing my loan ) which I had no choice in. U.S. Bank was happy to sign me up for additional accounts I dont need its like the XXXX XXXX XXXX all over again. What an absolute disgrace to consumers and downright unethical way to conduct business. I have no interest in doing business with U.S. Bank as I have repeatedly expressed. They have not honored my demand to not be contacted despite formally requesting such months ago. Issue # 2 : As a result of ( and resolution to ) the prior complaint ID # XXXX, U.S. Bank admitted fault using my escrow funds to pay a neighboring parcel 's property taxes, which made my parcel 's taxes go unpaid and incur penalty from our taxing authority. To resolve the issue, they sent me a letter dated XX/XX/XXXX that said a ) they would refund the {$540.00} errant tax payment they made to me ( so I can reimit to our taxing authority ), b ) they would pay me the {$53.00} penalty incurred which was their fault ( so XXXX can remit to the taxing authority ), and c ) they would disburse the remaining escrow funds in my account to me and waive any further escrow requirement per my request. I did receive the above-referenced refunds and disbursements in late XX/XX/XXXX, which I considered to be adequate to resolve the issue. Just a couple weeks after receiving the refunds and disbursements, I received a letter dated XX/XX/XXXX stating that : " property tax/insurance was paid on your behalf. This has resulted in an escrow advance in the amount of {$53.00}. If no response is received in 30 days, the advance balance will be prorated over a 12-month period and {$4.00} will be added to your mortgage payment. '' My mortgage payment has subsequently gone up by {$4.00} from {$1000.00} per month ( principal + interest ) to {$1000.00} per month ( principal + interest + escrow clawback ) as of the XX/XX/XXXX payment. This supposed escrow advance U.S. Bank is claiming is the exact amount of the tax penalty that I incurred that was paid to me by U.S. Bank. I have attached the check for reference. It was not an advance, it was a penalty levied by my local taxing authority and incurred due to U.S. Bank 's negligence in servicing of my loan and paying my taxes on time with my escrow funds. They took responsibility for the error and paid the penalty to me so I can remit to the taxing authority ( which I did - tax statement attached for reference ), and then mere weeks later, U.S. Bank threatens to claw back the {$53.00} penalty funds they paid me. This is an error on their part and needs to be reversed immediately. In an effort to resolve directly with U.S. Bank, I submitted a complaint/inquiry via their website in XX/XX/XXXX, upon seeing that my monthly mortgage payment was increased. On XX/XX/XXXX at XXXX XXXX XXXX XXXX, I received a voicemail from US Bank with the phone number of ( XXXX ) XXXX. I retained the voicemail and the transcript is as follows : " This message is for XXXX XXXX, my name is XXXX and I work with U.S. Bank. I'm calling in regards to the question received about the taxes on your property and the shortage in your escrow. I'm calling to advise you the reason that there is a shortage in your escrow is because the escrow overage check was sent to you in error and taxes were disbursed. If you have any questions or concerns or need further information on this, please call us .... '' I received a follow-up letter in the mail dated XX/XX/XXXX letting me know that my question was addressed and a detailed message was left. This voice message and conclusion from the U.S. Bank representative is factually wrong. The check was not sent in error and was rightfully owed to me. I do not have a shortage in my escrow account. Upon calling the 1-800 number they provided, I was lead through a maze of their phone system and endless questions from their automated phone system and put on hold. I can not explain how frustrating and ridiculous it is that I have to spend my time and effort resolving continued issues with U.S. Bank that are 100 % their fault and negligence. Between efforts to resolve the issue directly with U.S. Bank, and time spent filing complaints with the CFPB ( both this complaint and prior complaints ), I have lost significant hours of my time attempting to correct such fundamental errors. The fact that U.S. Bank is sending me letters demanding payment as if I'm in the wrong is predatory and unethical consumer practices. I have consulted an attorney who believes U.S. Bank has committed substantial negligence and violations of the Real Estate Settlement Procedures Act ( RESPA ) in the servicing of my mortgage. Furthermore, U.S. Bank has violated the Telephone Consumer Protection Act ( TCPA ) via continued solicitation after being placed on the " do not call list. '' I plan to initiate litigation in the coming weeks. In the meantime, the aforementioned issues need to be corrected immediately. | ||||||
| 01/03/2020 | Yes |
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| I opened this business account package with the summer bonus promotion code XXXX ( see attached image with terms of the offer ) at the end of XXXX and the bonus was supposed to be paid after 45 days after meeting the requirements of deposits to the Money Market account within 30 days, which I did as per terms. I have made 5 trips to the bank now since mid XXXX to get resolved and the first time I went to meet XXXX XXXX, the assistant manager who had told me during the appliction ( when XXXX XXXX who opened the account was not able to put the code in ) that she would make sure that she would put in the bonus code in my app as XXXX XXXX who opened the account told me that he was not able to get that code in the application during signup. A few days later I called XXXX and she said she did put in that code and I also emailed US bank support from my account panel got a reply saying that bonus code was applied. So I wanted to meet XXXX and the first time I was told that she was not available and so I left and then 2-3drd time I met XXXX ( banker, I think ) and she told me the same thing - that I need to talk to XXXX or may be I can call her but she was " not avaialble '' and she says this both times, she ( XXXX ) is looking across from her table to the check/customer counter bedhind where XXXX is standing - so she in the branch but not available. So I told her ( XXXX ) that it was my 3rd trip now and if she ( XXXX ) could perhaps call their corporate office to talk to someone, she hesitantly agreed and went on to talk to someone and said that she has filled in some form and sent in the inquiry and I would here back by email from someone within 3-4 days but by the following week for sure - this I think was on XX/XX/XXXX. It has been over 3 weeks now and I have not heard back from anyone. So, I went back there on Tue. the XXXX, which was my 5th trip and XXXX XXXX asked me what I was there for when I mentioned him of the application that he did and that I had not received that bonus and so I wanted to talk to XXXX, of course he nodded his head with the usual answer - that XXXX is " not available '' and the strange thing - he is looking at her where she is standing - behind the counter. So, I told him that the last time I was there XXXX filled some form and told me that I would hear back from someone but I haven't and if he could find out if they got that email, he said " I don't know she filled the form, I didn't fill the form, ask her, she is not here but I can give you her card ''. He gave me her card and patted me on the back and said happy new year and I felt like " man this guy just can't wait to send me out the door ''. As I was walking I saw XXXX behind the customer counter and I thought might as well just let her know that I am just going to email her and not make another trip, I told XXXX that I will just tell her that I am going to send her an email and from the look of his ( XXXX ) face I felt like he was ok with that and so as I walked to stand in line at the counter suddenly I hear the security person who was leaning on the table but in front of XXXX and yelled " sir she is not available ''. I said ok, I get the point and I left. I want to clarify that - may be I was wrong to go back to stand in line to talk to her when XXXX had already said that she was not available - I understand that but I would not have gone to stand in line but when I said that to him and looked at his face, from his expression, I thought XXXX was ok with that - that is the way I felt or else I would have left. Even when I opened the account with XXXX, it was not a good experience and it seemed like he was not well versed with the whole process and went back and forth with questions and then one application had to be redone because of an error he made and took almost 3 hours for opening 2 accounts - at one point I asked him if he was new and he said he was new to the branch but had number of years of experience with other bank. The last step was to get the ATM pin established and the ATM was outside so went and we did that and as everything was done and it was 3-4 mins till XXXX XXXX - closing time but as I was sitting there for so long I had to go to the restroom badly and as he was going in, I wanted to go in to the bathroom but he said sorry but we are closed now and wouldn't let me go in - now you might think the bank closed, all the staff left and the front door got locked so he said I can't go in - no, that was not the case, he himself went in and there were other staff and the doors were not locked yet. I ended up walking up to the fast food place a block away to use their restroom. In closing, there is no justification for the same " not available '' excuse everytime - if " the assitant manager '' XXXX were a responsible trained staff she would have definitely made an effort to talk to XXXX after I left to find out more about this and would have made an effort to to call me or email me by now ( she already knows that I have been there several times and heard from behind the counter ). If XXXX were a responsible person, he would have taken my number and would have told me that he would make sure XXXX would call me, instead of saying " I didn't send the email, ask her '' response. So, I waited until the XXXX and I decided to open this complaint here as I have no interest in going back to that branch to see any of these people again - if I have to go to a branch, depending upon the outcome of this, there are a couple of other US Bank branches nearby and unless it is the same corporate culture everywhere. At this point it is not just the issue about the bonus but the service too so I searched online to see if others have had similar issues, and while researching I found out that some other users have an issue with this specific bonus too where some of them said they receive it after chasing for months and while bankers had no clue or not being helpful and the rest were given some other reasons and did not receive it and I am sure unlike us who spent so much time following it up I am sure many just did not have the time or gave up - and then like some other customers in the comments here, I have had the same analysis service charge fees that started showing upon my statement all of a sudden on an account I have had for several years and I only found about it a few months later ( images of comments attached ). I too have seen the same poster on the wall that these users are referring to and I wonder. | ||||||
| 09/08/2022 | Yes |
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| This is my second time submitting a claim about US Bank, in regards to my home mortgage. It appears to me that US Bank has deceptive practices that prey on consumers. They continue to give me false information and do not accept responsibility for it. In XXXX of XXXX, I applied for Mortgage assistance through US Bank, the bank that holds my mortgage. At the time all I wanted was a 1-month deferment to provide some relief from my monthly expenses. That month I was not doing well with my business and had some unexpected expenses come up. At that time, when I applied for the Mortgage assistance, I was not behind on my mortgage and was still within the 30-day period. I was notified that I was approved for loan modification. The terms where my monthly payment would get lowered to {$660.00} and the first payment was not due until XX/XX/XXXX. Again, at this time I was still within the 30-day payment period and was not behind on my payments. To confirm the information, I received in the mail, I decided to call US Bank. This is all still in XXXX of XXXX. I spoke with 2 representatives from US Bank. I asked them specifically, according to the loan modification my first payment is not due until XXXX XXXX. Does that mean I don't have to make a payment until then? And if I don't have to make a payment will this go as a negative on my report? Both US Bank representatives stated that I do not have to make until XXXX and that the missed payments will not be a negative on your report. Based off the information I received from US Bank I decided not to make my XXXX and XXXX payment as I was told it would not be a negative mark on my credit report and the first payment of the Loan Modification program was XX/XX/XXXX. Once XX/XX/XXXX, came, I made my first payment for the loan modification program, on time. After that I received a credit report notification that I was 30 days late on my Mortgage payment. I immediately called US Bank to get this corrected as I was told it would not affect my credit. When I talked to the US Bank representative, she confirmed what the other 2 representatives said, that I should not have a negative late payment on my credit report. And was told they would submit a report to to the credit department to correct the error. I was told it would take 30 days to update. Later in XXXX I received a letter stating that the late payment would be suppress. XXXX and I made my payment within the 30-day period. My credit report updated to show that I am now 60 days past due. I once again called US bank to complain. The US bank representative told me once again that I should not show any late payments and that she would input another dispute to their credit department to update and correct the issue on my credit report. I was once again told that this would be corrected in 30 days. After that call I received a call from US Bank stating they had important information about my account, I missed the original call, but called them back. This is still in XXXX. When I call them back, I once again brought up the late payments that were showing up on my credit report. This time the US Bank Representative told me that this was not true, and the loan modification does offer any credit report protections. And that the previous representatives gave me false information. I asked her could they update my credit report because I received false information and based my decision on moving forward with the loan modification off the information US Bank representatives gave me. She said I could not. I proceeded to ask to speak to the Manager and was connected to her supervisor. I explained the situation to her, and she confirmed because they have recordings and notes from all my previous calls. The Supervisor for US Bank told me there was nothing she could do even though she admitted that I was given false information, they refuse to correct the information on my credit report. The only thing she said she would do is have the representatives I spoke with go through more training. That does not help me. I was following the instructions US Bank gave me and if I had of known that this would affect my credit report would have not accepted the modification and made my payments as normal. Again, US Bank also has notes and recordings of all the phone calls I made trying to do my due diligence on this option that is supposed to help consumer not hurt them. Most recently, I made additional calls into US Bank. On those calls I was told that once I have successfully completed the Trial Loan Modification program that those payments would be applied to my account and the 60 and 90 day late payments that are reported on my credit report would be removed. That never happened, when I called back in they told me the information I was given was not true. Once again I was lied to and given false information. I spoke with a Manager, which I would like to highlight that she hung up on me. When I spoke with her and explained the situation all she said was you were given a letter with the terms and theirs nothing we can do. As I stated to her the terms do not highlight directly how this loan modification affects my credit. I call in because I need better understanding to make a decision whether or not to accept the trial program. How can I be penalized because you are given me false information? As stated in my previous paragraph, I was not more than 30 days behind on my mortgage before the trial program. And if I would have been correctly informed I would have not done the program. And in all honesty US Bank is the reason for the late payments showing up on my credit report because they gave me false information and lied to me. They talk about caring for the customer and consumer but they don't, they just say and do anything they want. They need to take responsibility for their actions and remove all late payment notices from all of my credit report. All the calls are recorded and you can hear me clearly asking questions and voicing my concerns. But they continue to give false information. In addition, if you review my credit report their are inconsistences being reported. The following is being shown in regards to US Bank Mortgage. XXXX XXXX - 60 days late XXXX - 90 days late XXXX XXXX - 30 days late - THIS WAS SUPPOSED TO BE REMOVED, BUT WAS NEVER REMOVED XXXX - 60 days late XXXX - Paid on time- XXXX 90 days late XXXX XXXX - 30 days late - THIS WAS SUPPOSED TO BE REMOVED, BUT WAS NEVER REMOVED XXXX - 60 days late | ||||||
| 12/21/2023 | Yes |
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| SUMMARY : US Bank ( usbank.com ) offered a promotion : fund a checking account with at least {$15000.00} in 60 days and receive {$750.00} bonus. Or, fund with at least {$5000.00} and receive {$500.00}. I opened my account. US Bank prohibited me from receiving the {$15000.00} by : - Limiting the incoming transfers to between {$25000.00}, and only allowing a maximum of {$5000.00} per week. - Not providing me the bank account number or transfer information until I specifically requested it 2 weeks later. - After 5 successful transfers ( in approximately the 3rd week out of 30 days for promotional offer ), US Bank blocked my 6th transfer which would have put me over the {$15000.00} balance. - US Bank then said that the phone number I had originally supplied, and which US Bank had approved, was no longer acceptable as a verified phone number. - US Bank gave misleading information on what was required to modify my account phone number. First stating an email, then stating an email formatted as a letter with a signature, and then stating a notarized letter must be sent in. - I then requested a debit card while talking with XXXX on XX/XX/XXXX ( the debit card would get me a PIN which would enable me to modify the phone number ) and she said it would be sent to me, yet US Bank did not send it for over 3 weeks. Combined, these actions prevented me from receiving the bonus. It was wrong of US Bank to offer a promotion and then block me from qualifying for it. As soon as I was able to maneuver around the US Bank hindrances, I did get more than {$15000.00} in to the account (. I then shared my story/this information with US Bank and appealed for consideration of the {$750.00} bonus. I was told that a regional manager from US Bank who had the authority to have approved my appeal reviewed my case and refused, instead only authorizing me to receive a {$500.00} bonus -- which was not the promotional offer I had accepted and had worked to achieve. ADDITIONAL DETAILS : - I opened an account the end of XXXX and immediately began trying to transfer funds into US Bank. - I would have transferred/deposited the full {$15000.00} into the account but US Bank limited the amount I could initially deposit to a maximum of {$3000.00}. I deposited {$3000.00} on XX/XX/XXXX when the account was opened. - US Bank did not notify me of my account number or account info and I had no way to transfer additional funds for approx two week delay. Eventually a CSR contacted me ( XXXX, approx XX/XX/XXXX ) and I asked her what my account number was. I was then able to set up my online bank account. - When setting up my online bank account the US Bank website asked for my phone number. I provided my business number, which is XXXX. The phone number is a XXXX phone number and works for voice and text. US Bank accepted my phone number. - On XX/XX/XXXX I was finally able to begin making external transfers into the account. Unfortunately, US Bank limited the amount I could transfer to {$2500.00}, and US Bank limited the amount of times I could make a transfer. I would have transferred the full amount in to get {$15000.00} but was not able to. I transferred the most I could, the fastest I could : - XX/XX/XXXX {$2500.00} ( balance {$5500.00} ) - XX/XX/XXXX {$2500.00} ( balance {$8000.00} - XX/XX/XXXX {$2500.00} ( balance {$10000.00} ) - notice the one week delay here? This was due to US Bank imposing a weekly transfer limit. - XX/XX/XXXX {$2500.00} ( balance is now {$13000.00} ) After completing 1 initial deposit and 4 external transfers, I tried to initiate the final transfer of {$2500.00}. Notice that this would have qualified as 30 days from initial account opening. Yet, US Bank 's website refused my final transfer and said I needed to supply a phone number- which I previously had supplied and was in the system just fine for the first 5 transactions. When I clicked on the website to the link to provide a phone number, my phone number was already populated in my profile. In other words : my phone number was not missing. - Thus began hours of phone calls and troubleshooting. - I was told that I should have set up a personal profile to access the web site before setting up my business account. I set up a personal profile - transfers still did not work. - I eventually was told my phone number needed to be an actual mobile phone, even though the web site did not say this. - I tried to change my phone number to my personal mobile phone number but the site would not accept the change. - I was told I needed a debit card and a PIN, or to email them to change the phone number. - I sent an email to a certain email address to have my phone changed. The change was rejected. - I called in and was told I needed to email in as a letter with my signature. - I emailed in as a letter with my signature to have my phone number changed : they replied I needed to have a notarized letter sent in. - At this point I decided to instead get a debit card and PIN - On XX/XX/XXXX I called in and talked with XXXX who said she would send me a debit card. I would then have a PIN and be able to change my phone number. - No debit card arrived. - On XX/XX/XXXX, XXXX, from the local branch called to see how I was doing. I explained my problems and she checked the computer. No debit card had been ordered. She placed a debit card order for me and one arrived a few days later on XX/XX/XXXX. Several days after that a letter arrived with the PIN ( XX/XX/XXXX ). - With the debit card in hand and then a PIN, I was able to change my phone number and complete the final transfer on XX/XX/XXXX ( arrived at US Bank on XX/XX/XXXX ) - so the balance was now {$15000.00}. This was VERY close to the 60 day window. Note that a few of these days are approx. yet still accurate, because I did not anticipate having to create this level of detail about the entire situation. Some of the dates, such as the dates of transfers, I was able to get from my bank statement. Other dates I had in my notes from phone calls with US Bank employees, or in emails that were sent. Throughout the entire process none of the delays were my fault : I processed every action the day or, or, no later than the next day. Every delay was caused by US Bank. Despite the hassles and delays from US Bank I came very close to the 60 day time, yet US Bank refused to honor the promotion, even when I supplied details about the extra ordinary circumstances I had to work through. | ||||||
| 01/15/2019 | Yes |
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| XX/XX/2018 My husbands check card and my check card were counter fitted or duplicated unsure how because my husband had both cards in his possession. Our cards were accessed at an atm we previously had issues with fraud at and its continued at the same location. From beginning of problems in XX/XX/XXXX we asked for new accounts with new cards not just new cards and denied. XX/XX/XXXX card ending with XXXX there were atm withdrawls for {$300.00}, XXXX, {$200.00} XXXX. Card ending with XXXX, {$100.00} XXXX, {$300.00} XXXX. We were given money back and investigation is final on drink charges not listed on here but they never investigated XX/XX/XXXX. We were told they dont investigate because our chip was used that they are 100 % fraud proof. I found articles tested that theory was incorrect and it had to be because we did not nor did we ever authorize the use of our check cards. We were no where near XXXX at time. We provided our location via maps timeline, police report, report we made also with FTC. Still nothing on this moved until we made a report with CFPA. Which they gave credit the day of their response to us and the next business day it is gone no trace it was there or taken away just gone. The letter stated from CFPA site that they approved my husbands but not mine due to location history, atm use, etc which is a false conclusion my husband held onto my card at that time not me and we both were together the entire day and entire night of XX/XX/XXXX which this happened on XX/XX/XXXX-XX/XX/XXXX but processed on XX/XX/XXXX we were together on XX/XX/XXXX-XX/XX/XXXX. Also. The only time were apart is while he at work. We were in XXXX but did not use cards at atm period we did not. There is a history with the same place in XXXX and XXXX showing atm withdrawls on same date that's not possible that we didnt dispute as we tried fee at time with this repeat pattern with only this two locations. My cell phone was stolen in XXXX in XXXX and they at XXXX refused helping us and were dirty about it. It was obvious so we had not returned since and yet atm withdrawls and misc charges continues at these locations that we have asked bank to block from their or change our accounts totally because there were sign on attempts thru their site online with cell or internet ISP close to ours not ours. My cell phone was not locked no code so access was easy. My email my husbands emails continue getting compromised, XXXX hacked we have changed passwords 5x yet somehow they continue getting access more likely thru the phone similar to what we have still getting in, recognized, XXXX passcodes. Location tracked. Etc we made this known to usbank and pleaded to change checking accounts because they were getting out card numbers from one place I emailed once a month for storage pymts that we figured must be how they cards were known. My phone still gets located still has things deleted etc we are bout to close down get nee numbers which we hate because we had these over 15 yrs but this hasnt stopped. We are victims of identity theft while we stayed at XXXX an employee got security clearance paperwork, ID info, social info, etc we received alerts our info sold on dark web we told bank this issue as well as mail theft we experienced great welcome to WA welcome. So why USbank refuses to change our accounts totally we have no clue. My complaint is why my husbands card was approved and mine wasnt when we were together when this happened and now why after the complaint we had just closed thru CFPA why did the credit of {$730.00}. Disappear? Usbank credited it only to show CFPA they abiding by what's right then after case was closed took the money back with no evidence it was there or gone except a letter stating they will put it there in one day thru CFPA response from usbank. They are always changing the dates we disputed or talking about other dates and not the ones I am questioning at that time. Yes there are more fraud disputes but let 's keep it to the ones I'm inquiring at that time before jumping to the next that still nothing gets resolved. They try every possible way to confuse you, change dates, to make it in their favor.. We want the money back that we had fraud on and have had with same company. We ask for their findings yet we only receive a letter stating if we want their findings contact blah blah we have 6 x now still not received anything from them in regards to this. Usbank is deceiving small time customers. Taken advantage of XXXX XXXX twisting your claims, or stating they never received or that it's different dates yet I sent documentation showing they responded on a claim they state they never got. They do stall tactics and delay trying to get you to give up.transfer u on calls no one helps or knows how or has authority too. Rude treat you like your the one committing the crime but making you feel they are stealing and belittling. We have alot of money from other transactions bigger amounts and none are disputed only the same company from XX/XX/XXXX thru XX/XX/XXXX. Their findings on our cards for drink chrges are final but not for atm withdrawls. XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX then XX/XX/XXXX we were at XXXX and our last there when we did attempt to use our cards and were not successful in getting money we made calls 11 min each on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX where there own fraud dept states they see we attempted wait til XXXX then it should work so we tried and of course nothing we called again they said they see it pending not to worry it would work itself out that they noted our cards were locked yet we still battling with this issue where we were in contact they know our cards were locked and yet they say we got the money to we dodnt file to we filed to late etc just the run around and not resolved. This was previous dispute and not sure which one they took money back after it closing on CFPA site. They are dishonest and a bank mo one should ever consider banking at. Anyone who wants after reading this whose claims are still not resolve want to get together for a class action lawsuit please contact me XXXX. usbank is paying money onnsuut for londering this year so I assume this must be the reasons they are taking small peoples money. Please please help us resolve this issue again as they took the money given back one day after this case was closed.. Do not use usbank people trust me you will only regret you did the hard way. | ||||||
| 04/02/2019 | Yes |
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| Attention : US BANK Credit Card CARDMEMBER SERVICE XXXX XXXX XXXX OFFICE OF XXXX XXXX CEO XXXX XXXX MO [ XXXX XXXX. XXXX XXXX Phone : Phone : ( XXXX ) XXXX-XXXX XXXX, ND [ XXXX ] Routing/ABA ROUTING NUMBER - XXXX - XXXX-XXXX-XXXX USBank Account # XXXX XXXX XXXX XXXX FAX XXXX-XXXX-XXXX Name - XXXX XXXX RE : RESPONSE TO CFPB WEBSITE US BANK XXXX RESPONSE NO LAST NAME ONE IS NEEDED Contract XXXX XXXX XXXX XXXX XXXX contract # XXXX XXXX XXXX. Dear XXXX XXXX CEO and Back offices of US Bank, On XX/XX/XXXX approximately XXXX XXXX, i received a letter from the CFPB website concerning the payment made to USBank. The letter stated lies and misleading information. XXXX and USBank are basically lying. I never submitted a US Treasury account number to settle a debt. This is false. Based upon the law I submitted the tender of payment as directed by USBank documents and employees. They said that the payment could be in a money order coupon or check i have no idea what is a US Dept of Treasury account Number ... this is false. The law states The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. I have purchased items that is now property, my property. i XXXX XXXX XXXX have agreed to pay for by way of my credited account or tender of payment, i never had made an agreement to make payments only by bank check bank card which is a debt form of currency. I have kept my part of the agreement. They have not! The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I have no idea what US Bank and or XXXX is speaking of. This makes no since, and they should be fined for fraud. If this letter has been sent via USPS mail this is considered mail fraud and perjury. i attempted to explain the act of 1933 and i was interrupt during my explanation of the law during the call. i was told on XX/XX/XXXX, approximately XXXX that they have received my payment and had sent it to the back office where they receive this type of payment. So again i have no idea what XXXX is speaking of. When it is clearly i made a Tender Of Payment Offering. I requested and sent payment to the CEO not the President, so please advise! They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) USBank presented purged documents to the CFPB This is false and someone may need to educate XXXX no last name or extension to her dept. Base upon law " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. i, a woman XXXX XXXX XXXX called USBank on XX/XX/XXXX and XXXX stated that they USBank had not received the payment. Can you explain the documents you sent pages 1-9? Again this is false please see the USPS tacking letter signed by their agent providing tacking references of the Tender of Payment received by US Bank on XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and currently another remittence payment is on the way and shall be delivered by XX/XX/XXXX. XXXX stated falsely that USBank does not receive the US Treasury Tender of Payment when your own employees within USBank as stated the opposite. In fact they stated to me over the phone [ all calls recorded ] that the payment was re-directed to your BACK OFFICES whereas the CEO and or Controllers would receive the payment review the Tender of Payment and then credit the account. The new law of money states that all banks within the territory of the UNITED STATES OF AMERICA under the postal jurisdiction are to accept this form of payment. So please XXXX explain why you and or the Office of the President would state lies and misleading statements within a letter and place it in the USPS mail and post it on the CFPB website? INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of March 9, 1933 ; the act of May 12, 1933 ; DO you USBank file forms such as 8-K or 10-K with the SEC? under the 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). NOTICE THAT ALL CALLS HAVE BEEN AND ARE RECORDED I noticed that several of my USPS mailings have gone missing and are now under investigations by the USPS. Please see attachment within this FAX tracking No XXXXUnder United States Code 18 Section 1708, federal mail theft is a felony. If you are charged with mail theft, you could face up to five years in federal prison and fines of up to {$250000.00}. The post office has shown proof of delivery on more than three occasions to all addresses herein. Such is destruction of mail, mail fraud and mail theft and a complaint is underway against USBank Cardmember Services | ||||||
| 10/12/2022 | Yes |
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| I XXXX XXXX am making this complaint against US Bank National Association for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. I XXXX XXXX XXXX a natural person, consumer am aware that my consumer report is being used to conspire against my lawful rights. I have recently looked over account # XXXX and found some discrepancies fraudulently furnished and erroneously billed. As I just overcome Covid-19 illness, I have contacted US Bank National Association in association with account # XXXX. Not only has US Bank National Association omitted information regarding COVID-19 Cares Act, they discriminated against me without allowing account to be rectified. US Bank National Association has been put on notice XX/XX/2022 via certified tracking mailing United states Postal Service. According to United States Postal Service certified tracking systems, US bank National Association billing department, CFO and CEO, received notice XX/XX/2022 at XXXX ; XXXX, XX/XX/2022 at XXXX at XXXX. Upon receiving my letter of billing error dispute and breach of fiduciary duty for US Bank National Association, their Chief Financial XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX fail to honor my request and send documentary evidence of accounting. Under the Fair Credit Billing Act under section XXXX of XXXX XXXX, I am aware that a creditor must make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor. ( 2 ) any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. ( US Bank National Association ) has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. It has come to my attention on XXXX that US Bank National Association has willfully engaged in sharing my non-public personal information with the consumer reporting agencies without my lawful consent. This has been proven that US Bank National Association has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. US Bank National Association and the consumer reporting agencies are fraudulently reporting inaccurate information with the intent to defame my financial reputation as well as exhort repayment on extensions of credit. US Bank National Association has reported account # XXXX has been late 90-120 days and that indeed is inaccurate and false. Also I am aware that Pursuant to billing error 15 USC 1666 within 30 days an investigation of dispute should be the required time needed to complete the billing error dispute. This billing error was not resolved and violates the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Us Bank National Association reportedly closed my account on XX/XX/2022 without resolving the billing error dispute. Us Bank National Association conspired with Consumer Reporting agency to conspire and discriminate upon me for exercising my rights. US Bank National Association along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. I am aware that US Bank National Association reported to consumer reporting agency that account # XXXX was late XXXX days as well as closed my account without notifying me of such information. Under the FCRA, XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) states that because information solely as a transaction or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report. XXXX Bank furnished account # XXXX was late XXXX days and that in fact is inaccurate due to the dates that certified tracking mail was sent out. Upon notification of tracking information, it has not been XXXX days since Billing error dispute resolution. | ||||||
| 05/31/2018 | Yes |
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| I've been the holder of an XXXX XXXX XXXX XXXX since XX/XX/XXXX. The card is issued by U.S. Bank. On XX/XX/XXXX, I received a promotional email offer from U.S. Bank : Simply use your XXXX XXXX XXXX XXXX to make four online purchases of at least {$25.00} each by XX/XX/XXXX and you'll earn a {$25.00} Statement Credit! On XX/XX/XXXX, I made four separate purchases {$25.00} at XXXX. I did not receive a {$25.00} statement credit and in early XX/XX/XXXX I called U.S. Bank to inquire. I was told to wait another week or two to give the credit time to post. When the statement credit still failed to arrive I called U.S. Bank again on XX/XX/XXXX. I was told I did not qualify for the offer because one of the four transactions invoiced to my statement on XX/XX/XXXX. I quickly checked online and saw three XX/XX/XXXX items and one XX/XX/XXXX item on my corresponding statement. I found this curious because I knew that all activity was completed on XX/XX/XXXX well before XXXX and I told this to the representative. I made the point that the offer referred to " purchases '' and that I had placed and completed all orders on XX/XX/XXXX. The representative said she had no information regarding the offer language. I said I had XXXX order details for all four items, each and every one dated to XX/XX/XXXX. The representative said I would be mailed a form that would allow me to demonstrate the purchase times. When that form did not arrive I called U.S. Bank on XX/XX/XXXX. I spoke at length with a representative named XXXX and a supervisor named XXXX ( employee ID XXXX ). XXXX said that no claim form had been mailed to me. He repeated that the statement credit had been denied because one of the four items had an invoice date of XX/XX/XXXX. Again I disputed the " invoice '' method of determining what transactions met the offer terms. I said I had XXXX order history, order numbers, order details, order confirmations for all four items, each and every one dated XX/XX/XXXX. I also had email confirmation from XXXX for each item, dated to XX/XX/XXXX. I said that, because all the items were XXXX e-gift cards, actual delivery of all four items had taken place virtually instantaneously with placing the orders themselves and that I have the emails from XXXX proving XX/XX/XXXX delivery, time stamped well before XXXX. I referred the supervisor to the offer language which says " make purchases ''. I said my actions and XXXX activity clearly demonstrate purchases. He said that he had no knowledge of the terms as U.S. Bank does not keep records of the promotional offers they make such as these. I was ( and remain ) incredulous at this statement but the supervisor repeated it several times. I asked him if U.S. Bank had the exact time I used the U.S. Bank XXXX card to buy the items on XXXX. He said yes and confirmed the exact times to be XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX CST, XX/XX/XXXX. I asked, if those are the acknowledged times, why is my claim being denied? He would only repeat that U.S Bank was denying the claim. I read him the offer terms verbatim from the original U.S. Bank email. I asked him, given such language and the fact that the purchase times are acknowledged to be within the offer window, if he thought the rejection of my claim was fair. He said it did not seem fair. He gave me a U.S. Bank fax number to submit further claim information, which is where we stand today. I believe the evidence is clear that I fulfilled the terms of the XX/XX/XXXX offer and that I am due a {$25.00} statement credit to my XXXX XXXX XXXX account. I completed a purchase the moment I hit the " place order '' button on XXXX. It is the moment where I " make '' a purchase, i.e. when I have control and act with intent. I can not " make '' the invoice time to a monthly statement. The offer clearly states " making purchases '' ; nowhere in the offer terms or fine print are " posting '', " invoicing '' or references to outside definitions mentioned. Therefore, we must rely on the reasonable and common sense definition of " make purchase ''. If I use my XXXX XXXX in a brick and mortar store to make a purchase I am entitled to leave the store with the merchandise at that very time, not hours or days later. An online purchase should be interpreted in the same way. We've all clicked that XXXX button, and if we were speaking with a friend about it we would say, " I just now purchased it online. '' There is no dispute as to when I clicked the button. I walked in to XXXX 's virtual store where full price was paid and received and I left with the items. All of this occurred on XX/XX/XXXX. If that's not a purchase I don't know what is. Even U.S. Bank acknowledges that the actual time I used the card to buy all the items was on XX/XX/XXXX. I also find it interesting that all the purchase times are closely bunched well before XXXX and three post to XX/XX/XXXX and yet one purchase, conveniently for U.S. Bank, was invoiced to the next day. I am quite irked by U.S. Bank 's position of pleading ignorance of the offer terms. When speaking to customer service, I kept referring to the text of the email offer and was told repeatedly by each rep that they had no idea what the offer said, as U.S. Bank does not keep a copy of email offers such as this. Is this a responsible way to do business? If true, they are making decisions about what to honor on an ad hoc basis. On what basis can U.S Bank deny my claim if they don't know the terms? And yet, they have done it, which means U.S. Bank is either being disingenuous, or in the alternative, behaving negligently. Without a knowledge of terms, how do they deal with disputes that arise? Poorly, is the answer. It is irresponsible and shows a lack of thoroughness and concern. It is sloppy. It's as if U.S. Bank can't be bothered with details and will use ignorance of terms to try to weasel out of its obligations. That's their choice. However, I do have a record of the terms and I believe it shows I'm due a {$25.00} credit. I am attaching the original U.S. Bank email offer and screenshots of XXXX information and email receipts to show that I used my XXXX XXXX card to buy the items on XX/XX/XXXX. Therefore, I am due the {$25.00} credit. I ask that you please look into this matter. I am happy to answer any questions you may have. I look forward to hearing from you soon on this issue. Sincerely, | ||||||
| 04/04/2019 | Yes |
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| On Saturday XX/XX/XXXX, my husband and I came in to view RV for our Retirement and the 2019 RV on the lot. The salesman asked for {$250.00} deposit for that unit and charged oir card and ran out credit. We went to look at the unit a second time and noticed that the refrigerator had kick dents all of the nottom, the closet had been torn off the closet and had to be repaired, as well as the gauges on the wood under the cabinets. We told him we did not want that unit and he said he woukd keep our deposit to put tiwards another unit he would have transferred from another location. We explained to XXXX we were not ready for an RV for another 2 months, since we had the put a road in and cut trees so that we could safely bring in the RV. We also explained to him.that we have to clear land and have a custom built building to house the unit to keep it safe from any weather damage. He called me on Monday and said they would have the exact unit delivered, so if my husband and I woukd like to stop by and look at it on Saturday, XX/XX/XXXX, it would be there. We arrived and looked at the unit and noticed that the second awning was missing, even though it was listed on the sales invoi e in the RV. We said we would have to get the bug screens put in and a Washer and Dryer installed in the unit, as well as the awning. He was fast talking and making us wait while he waited on new drop in customers, so he put us in a room to watch a video and to read terms tgat the company was not responsible for. He then came in and asked us whether we wanted gap insurance and warranties and said he woukd be right back to show us the total costs. We looked at the prices og gap insurance and the costs and my husband signed the paper. We were under the impression this was a Truth and Lending statement. Hecwas in a hurry to get back to another customer and grabbed the paper and left. We told him that my husband was moving onevof his 401 accounts to his company 401 account because we could borrow our own money for the down payment and it woukd take some time to transfer funds. Then we woukd have to request money from that account. It woukd take up to 7-10 days for each to occur and we were not in a hurry because we were not ready to receive the RV until all the work was done. That would be sometime between the end og XX/XX/XXXX to the middle of XX/XX/XXXX. XXXX said his manager had no problem with the time frame and woukd hold the unit for us until we were ready to do the walk through and take full possession. We left and about 10 minutes later, I received a frantic phone call from XXXX asking me to take a picture of my insurance information and send it to him. It seemed odd, but we were going to use XXXX on our RV anyway. I sent it immediately. Then it all started. He called me the next week asking if the money had goyten there yet. I told XXXX we were just there on Saturday 2 days before and XXXX had already called to make the transfer and it would take 7-10 days for the first transfer. He started to panic about the money and I said, we havent even done our walkthrough and we havent even closed on the RV. He said he was trying to get this closed by the end of XX/XX/XXXX for a XX/XX/XXXX closing. I reiterated what I had told him several times before. He then called me 3 days later and asked if I coukd pit the money on a credit card or several credit cards. I was getting really angry and told him he was being pushy and I did not like it. I explained AGAIN and he was panicking again. I did not understand what was wrong with him. He asked me about getting a call from XXXX from their maintenance dept. And I said yes and I tried returning his call 3x that day and I was disconnected 2 times and the 3rd time they were out to lunch. When I finally got in touch XXXX said it would take a couple of weeks to get the awning delivered so they could install it. I explained I was not in a hurry for it and I would make a tentative walk through appointment for Friday morning at XXXX since I only had Mondays and Fridays available to pick. I explained my husband would have to put in a request to take that day off from work, so it was tentative. He said he wouks email me a list of options to be installed on the RV. I never received it afyer a few days, so I called back this week and was told it was his day off Tuesday, so I could call back on Wednesday. I called on Wednesday and spike to XXXX, who informed me XXXX was oit having XXXX and he would send me the list which included an option for bug screens. I inforned him that was suppose to be included and the Washer and Dryer option. He was going to check with XXXX about it. I have not heard anything yet. A couple of days before that I told XXXX how uoset I was woth him when he divulged that the lian had already been funded before the end of XX/XX/XXXX. I was livid. I informed him that I did not understand how they coukd fund a loan when we had not signed our lian documents or given our diwn oayment yet, as well as not having a walk through on the RV. He said that he does this all the time and had been selling RV 's for a long time and they usually sell within a week or two. I said we have been deveived and he did representbus properly and was only concerned about the money aspect. He then said he would talk to his manager and get back to me. He then called back on XX/XX/XXXX and said they are going to delete the original and make a new one when we are ready to close and take posession. I asked him about a payment that was due XX/XX/XXXX and what about that. He said to ignore any paperwork that might arrive and I am not required to make the payment. I told him it better be done correctly ecause if he rui s! my husbands credit by not majing this payment, I would hold him and XXXX XXXX responsible. He had offered the week befire to pay the paymebt out of his commission and I had said that I just wanted the paperwork and chain of events to be correct and I am requiring a Truth and Lending statement this time. I do not trust XXXX or any of the information filteted through him from his manager. I have not heard from either his manager XXXX XXXX or XXXX XXXX since I emailed a complaint to them after I valled the Bank and found out that the lian had not been cancelled by them and the payment is still due by us. Please help us with resolving this problem with XXXX in XXXX, Texas | ||||||
| 01/06/2021 | Yes |
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| Hello, Below is an email that I had written to MasterCard on XX/XX/XXXX to resolve my problem of not being able to use a MasterCard gift card as I found out it had {$0.00} balance when using it for the very first time. I was later referred to the consumer support team, who had not been able to resolve this issue. I will attach related emails and attachments for your reference. Their last resort is always to blame the US Bank and escalate the issue to the US Bank, but in all cases ( including in the very last email attachment XXXX XXXX XXXX Mastercard Gift Card ( 3 ) ), I have not heard back from the US Bank, which is why I am writing to the Consumer Financial Protection Bureau ( CFPB ) as I have lost hope in the entire system and you are my last resort. I would like to prevent this type of traumatic experience happening to other consumers, and would appreciate your support to help and inform the public of such scam-like traps in purchasing/using gift cards like these. I have excluded personal/account information from the below as instructed, but include them in the attachments. In the attachments you will find : Message to MasterCard Executive Response email : Original email letter to the MasterCard Executive that explains this issue ( see the text below as well ). XXXX XXXX XXXX Mastercard Gift Card ( 1-3 ) email : Emails going back and forth with the customer support team. Pictures of the MasterCard gift card both front and back. Please see the email below : XXXX and MasterCard Executive Response Unit, I would like to bring your attention to my struggle I am having regarding the MasterCard gift card. I am losing trust in the MasterCard gift card, and now feel as if I had been ripped off by spending {$100.00} plus a purchase fee to buy the gift card. In summary, I bought a MasterCard gift card for my mother and I to use before its stated expiration date in XX/XX/XXXX, but was shocked to find that the card had XXXX balance on XX/XX/XXXX after opening the packaging for the very first time. In the end, we had been taken away the {$100.00} gift card that we had bought and can not get it back. It feels like we have gotten {$100.00} stolen from us, and even paid a purchase fee for it. The details are below : In XXXX, we had bought a {$100.00} MasterCard gift card that is set to expire in XX/XX/XXXX. Please see the attached card and its packaging. As the expiration date on the packaging says XX/XX/XXXX, I had saved the whole package to be able to use later before the expiration. As the expiration date is approaching, we decided to use the MasterCard gift card. The package was unopened for the past years since the purchase date, and we had saved and kept the card in our safe, and so it was definitely not used by anyone else as we even had the gift card in its protection packaging unopened until the very first day on XX/XX/XXXX when we tried to open and use it for the first time. On XX/XX/XXXX, we opened the outside packaging of the card for the very first time, but was not able to use it in store. To find out why this was so, we registered the card online at XXXX. When I registered the card, I was stunned to see that the gift card balance was {$0.00} as it was the very first day we ever opened the gift card packaging and had never used it before. While I was aware that in the fine print on it says that the an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity, except where prohibited by state law. I had interpreted that the 12 consecutive months of inactivity to mean from the date of first using the card balance hence the first date of use and not the date that the card was bought. This is very tricky to me, especially for a gift card, as it is not necessarily that the card will be given within a year or even a few years to the gift receiver, and so I had interpreted that the inactivity to start from the first date that the receiver started to use the gift card, as long as it is within the stated expiration date on the card. Additionally, if this is the case, it is very misleading to write down an expiration date on the front of the card ( as XX/XX/XXXX in this case ) that is past the true expiration date. I have called your customer service multiple times since XX/XX/XXXX, but have still not been able to resolve this issue. When I talked to your customer service representatives, they keep blaming the bank, which I am assuming is the U.S. Bank National Association, for taking the transaction fees, and yet, they would not get me in touch directly with the bank and just kept telling me the bank will call you to see if your request to solve this issue will be resolved. The U.S. Bank National Association has not called me. Additionally, while the bank might be the ones executing the transaction, the MasterCard name is on the gift card and I believe having the association does entail responsibility for MasterCard to fulfill their customers satisfaction. Thus, I had put my trust and money into what I thought was a reputable MasterCard gift card that I had worked so hard to pay for. I would not be writing this letter if someone told me from the beginning that I would be losing the transaction fee every month if not used for 12 months since the purchase date instead of the first date of use. No staff really cared or took responsibility when trying to resolve this issue. I would very much appreciate it if you could fix this problem and give me the {$100.00} as I had purchased. Otherwise, I will stop my relationship with MasterCard because I do not have any more trust in this financial service company anymore since I had been deceived. It may just be {$100.00} to you that you would like to blame an external bank about, but to me, losing {$100.00} plus the purchase fee is very painful as my family and I had worked so hard for this. I will have to warn those around me about avoiding buying gift cards from MasterCard for their consumer protection safety. Ive entered the workforce for a very good finance job after completing my XXXX program, and need a reliable credit card and financial service company more than ever in the near future ; To me, I would like to have a dependable and trustworthy company that I am proud of and will be loyal to. Please do not deceive those who trust in your company to buy and share a gift card. | ||||||
| 12/14/2023 | Yes |
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| The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. This mandate is clearly stated in 15 USC 1681 Section 602 ( a ), which declares the need for " consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies '' qualifies as a financial institution under this statute. Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) restricts the circumstances under which consumer reporting agencies like XXXX and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX nor XXXX, nor the furnisher of information, possess written consent from me to access my personal information. Therefore, any form of implied or verbal consent, written or otherwise, is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their " nondisclosure option '' before disclosing nonpublic personal information to unaffiliated third parties. However, the furnisher of information failed to inform me of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including " other adverse item [ s ] of information, '' other than criminal convictions exceeding seven years, in consumer reports. This provision directly contradicts the inclusion of outdated negative information on my report without my permission. In conclusion, the actions of XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and the furnisher of information clearly violate the Fair Credit Reporting Act and my right to privacy. I demand immediate rectification of this situation, including the removal of unauthorized information from my credit report and adherence to the legal requirements outlined in the aforementioned statutes as well as XXXX $ per violation of the FCRA. Unauthorized Credit Inquiries and Inaccurate Reporting : Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] - Compliance procedures regarding accuracy and integrity of information. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA Section 607 - Compliance procedures regarding accuracy and integrity of information. Unverified Accounts on My Credit Report : Unverified Account - ( Account Number : ) : Violation : Unverified account ; Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; FDCPA Section 807 [ 15 USC 1692e ] - False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6805 - Enforcement 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 313.7 Form of opt out notice to consumers ; opt out methods. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 12 CFR 1016.1 Purpose and scope. 12 CFR 1016.4 Initial privacy notice to consumers required 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods Privacy Act of 1974 ( 5 U.S. Code 552a Personal Impact : These infractions have far-reaching effects that go beyond the financial setbacks including lose of job opportunities, denial of Housing and psychological distress they inflict. I have been unable to provide a stable environment for my family. Now 5 years of homelessness I'm looking for security and a fresh start. Unfortunately, the errors and disputed accounts on my credit record have turned this fantasy into a crippling ordeal. My family has been severely hampered by the difficulty to obtain advantageous financing anything to stay alive but also keeping a loop of uncertainty alive and causing stress, XXXX and XXXX. This experience has diminished our emotional resilience and put our financial stability in jeopardy, which lessens the likelihood that things will get better in the future. Action : Given the recorded transgressions and the upsetting effects on my life, I beg the Consumer Financial Protection Bureau to take action and make these violations right. I fervently ask that the unlawful credit inquiries be stopped, that false information be corrected in reports, that the unverified accounts be thoroughly investigated, and that there be a monetary remedy provided for the aforementioned infraction. I think that consumer protection legislation have the ability to guarantee fair and just financial practices. By taking action against these infractions, you protect the integrity of credit reporting systems for all customers while simultaneously helping to restore my financial stability. I value your consideration of this issue and look forward to a thorough conclusion that upholds consumer rights and advances financial justice of XXXX $ per violation of the FCRA. | ||||||
| 07/31/2023 | Yes |
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| I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. ) | ||||||
| 12/20/2023 | Yes |
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Web | Older American |
| XX/XX/23 I purchased a VISA Gift Card ( issued by US Bank ) for {$500.00} at a Kroger grocery store in XXXX XXXX, CO. The store properly Activated the card. I have remained in possession of the card at all times and have not shared or shown it to anyone. XX/XX/23 I went online to Register the card, which involved logging-in to the designated website using the cards credentials XXXX card number and XXXX XXXX XXXX on the back. At that time, I discovered the value on the card was {$260.00}, not the {$500.00} I had purchased. Panicked, I called the number on the card to report an apparent theft. After providing the cards credentials, I was asked for the registered name. When I gave my name, the phone call was terminated several times. After clicking around the cards Account online, I discovered the name & address of the person ( unknown to me ) who registered the card : braine sand, XXXX XXXX XXXX, XXXX XXXX, nv XXXX. ( Yes , street name spelled here as it appears on the Account. ) Also in the Account was information about the transactions made with this card : XX/XX/23 for {$1.00}, XXXX XXXX, XXXX, Florida, XXXX Pre-Authorization XXXX AM XX/XX/23 for {$230.00}, XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Purchase ( Domestic ) XXXX XXXX When I called back to the Customer Service number again that night, I knew to first ask to not be hung-up on and gave both the registered name and explained that it was not the same as my name that I was trying to report XXXX. I called this number 7 times that evening before finally being told to fax all the appropriate documentation and it would be reviewed for fraud : front/back of the card, purchase receipt, front/back of my ID, I also included a short letter explaining this sequence of events. Since the XXXX card number is white text and some of the cards background is very light, getting a readable copy of the card was difficult. I completed this task and sent the fax. As a result of this fraud-reporting, the card was de-activated and the remaining balance unable to be used. When I called a few days later to check on the status & receipt of the fax ( as instructed ), I was told that one of the images was insufficient and Id need to re-send everything. I completed this task. All of my phone encounters to this point were with customer service agents who seemed limited in the range of service options or information they could provide. XX/XX/23 I received a call from an unknow number and took a chance and answered it. It was the first person I spoke to who appeared to be able to provide me information about my case. She summarized the status of my claim ( I did not need to re-send the fax any more ), the Fraud/Theft claim was submitted and would be resolved within 90 days, and a card reimbursing me for the remaining value on the card after the theft ( {$260.00} ) would be sent to me. A separate card would be issued for the amount stolen ( {$230.00} ) if the investigation concluded in my favor. When I received the card reimbursing me for the remaining value on the original card following the theft ( {$260.00} ), I registered it at the website indicated on the sticker attached to the card. When I subsequently tried to use the card, it was declined multiple times at restaurants and brick-and-mortar retail locations. When I called back to the customer service number, I was told that this card was registered improperly, it got thrown into fraud, and Id need to repeat the faxing exercise again with this card. I completed that. I received another card in the mail accompanied by a letter dated XX/XX/23 indicating resolution of the error that occurred which prompted me to file the Fraud claim in the first place. This card was apparently replacing the {$230.00} that was stolen. I called the number on the card to register it first ( rather than using the online option as Id done previously ). I was told that phone registration was not necessary, just go online and register it there. This did not work. The website to register the card did not accept the cards credentials XXXX number and XXXX security code. I kept getting the message Try again. After a few failed attempts ( including a fresh browser window and re-checking the card number and entering it again ), I called the customer service number. I was told to either register it online, or they could transfer me to the Automated system to register the card. After explaining again that the online website did not accept the card, I agreed to be sent to the Automated system. When asked for my cards XXXX number, I entered it, and the system sent me to a phone rep the same call center I had just called! I rode this circle XXXX times on XXXX phone-call before insisting on another approach. Then the call-rep told me to press the # XXXX in the Automated system. I tried to explain that there were no options presented just silence while the call transferred then a voice saying to enter the XXXX card number. Pressing XXXX at this point would only be entering a card number! She told me to press XXXX during the silence while I waited for the transfer to the Automated system. This only triggered the after-call survey about your experience with the customer service agent. I had asked for the number of the Automated system so I could call it myself ( instead of being transferred ) and was told there is no number, I can not call the Automated system myself. No, I have not tried just using this card. I fear it will be thrown into Fraud for not being registered and Id need to repeat the faxing exercise yet again. These are the VISA debit cards in my possession : Card # XXXX, XXXX XXXX, {$500.00} ( original purchase ) Card # XXXX, XXXX XXXX, I think this was the replacement for the remaining balance {$260.00}. Card # XXXX, Code XXXX, I think this is the card that came with the resolution letter and should be for {$260.00}, but I can not register it so I dont know what its value is. I should have received a replacement for the {$260.00} card which I supposedly invalidated with improper registration but do not have another card for this. I do not have access to any of the original {$500.00} that I purchased a VISA gift card for. Can you help me get my {$500.00} back from US Bank, please? | ||||||
| 03/19/2022 | Yes |
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| U.S. Bank has failed to convert my trial modification into a permanent modification. U.S. Bank has failed to honor the modification agreement on my home loan. I have made all trial payments per the agreement. Turned in all documentation by the dates specified on documentation and followed through with all required obligations. U.S. Bank has required me to a to resubmit Information duplicate documentation on numerous occasion. Below is a brief over view to explain why I am filing this complaint with dates pertaining to incidents. My mother and I applied for loss mitigation on approximately XXXX XXXX. My mother and I were on a forbearance due to COVID-19 the forbearance was for 12 Payments. On XX/XX/XXXX US Bank sent a letter that the application for a assistance was facially complete. XX/XX/XXXX US Bank sends another letter determining that the application is completion date is XX/XX/XXXX although the letter from XX/XX/XXXX, says the application is facially complete. XX/XX/XXXX US Bank sends a letter that the application is determined facially complete. On XX/XX/XXXX US Bank sends a letter that loss mitigation application is determined that it is complete. On XX/XX/XXXX US Bank sends a letter offering a conditional trial period plan under the FHA Hamp Loan. The letter explains that the First trial period payment would be {$930.00} and be due by XXXX XXXX. Second trial period payment would be {$930.00} due by XXXX XXXX and third payment trial period would be due {$930.00} by XX/XX/XXXX. On XX/XX/XXXX U.S. Bank sends a letter explaining that we are able to apply for assistance on past due payments. All payments were made an complete per the agreement. On XXXX XXXX US bank sends a letter stating that there is additional information is required to complete Customer Assistance Review. HOA documentation was sent to US Bank per this request. XX/XX/XXXX US Bank sends a letter about options to apply for mortgage assistance. On XX/XX/XXXX US Bank sends another document requesting additional information " HOA Insurance Policy '' I complied with all request. On XX/XX/XXXX US Bank sends the final modification documents. Finalized documents were sent back to the bank XX/XX/XXXX, XXXX mothers signature was not on these documents as she passed on XX/XX/XXXX. Per US Banks directions in the modification documents " If any of the vested owners are deceased, we must have a copy of the death certificate, obituary or newspaper article reporting the death returned with the documents '' I did exactly what was asked and sent the documents. US Bank resent the documents on XX/XX/XXXX with my mothers name on the documents again. I asked why I was receiving again if I complied and was told not to sign the XX/XX/XXXX documents since they would be kicked out due to my mother not signing although the directions specified I send the death information which was in the directions to fufill the obligation. On Approximately XX/XX/XXXX. XX/XX/XXXX sends letter to notify me that they received the documentation that my mother passed all though it was sent weeks prior.A US Bank customer service rep states that I will be receiving new modification documents with only my name and that I would receive by the XX/XX/XXXX. On XX/XX/XXXX I did not receive modification documents instead I received a letter informing me that the assumption of mortgage had been complete and all records were updated to reflect that I am the morgagor of the record. XX/XX/XXXX I receive the final modification documents with only my name the document states that I have 14 calendar days from the date notated on the document to sign and send back. On XX/XX/XXXX US Bank sends me a letter stating the modification has been revoked due to not receiving the modification documents. On XX/XX/XXXX I contact US Bank and speak to a customer service rep in loss mitigation she states she sees the error when I explain that I have the documents in hand signed and am sending that same day. Her response is that she will escalate to the proper person to reopen the closed modification that was closed in error. Modification documents were mailed XX/XX/XXXX signed and notarized. On XX/XX/XXXX I receive a modification application from US Bank asking if i need assistance. On XX/XX/XXXX I receive a new set of modification and partial claim deficiency letter stating that there was a problem that a signature was missing that the partial claim received wasnt dated correctly and the document wasnt notarized which is not the case.. All documents were signed notarized and sent back. On XX/XX/XXXX I receive another Modification agreement with partial claim deficiency letter. requesting the same information I signed the documents on XX/XX/XXXX and mailed out on XX/XX/XXXX. US Bank received documents on XX/XX/XXXX. US bank will not accept payments on my mortgage due to the error of closing the modification without a valid reason. US Bank has continued to breach contract. They refuse to disclose details when asked to identify what is missing. The dates on the modifications for when the modification should start are outdated and dated for last year which if that was the case and had the documents been sent when they were supposed to to finalize the modification my mother would have still been alive to sign off. A hud counselor that I am working with listened and spoke with me regarding how US Bank is not in compliance is basically setting me up to cause my loan to go into foreclosure. I have every document that was sent to me I have correspondence that I have emailed and retained every copy of the modifications with the exception to the one that was sent in XXXX. If possible I would like to have an investigation open as I feel that processes and procedures are not being followed. US Bank had done this in XXXX and forced my mother and I to vacate our home I have documentation from that incident. It should have been a wrongful foreclosure case but at the time I did not know my legal rights. My home was damaged during that time because we were told to vacate that the home would be up for auction then later was contacted by US Bank to regain the home while they added on more fees and had to repair my damaged home on top of it all. | ||||||
| 02/27/2018 | Yes |
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| False claims brought to the State court in violation of Consumer Financial Protection Bureau against a Certified Consumer, tax underreporting, tax evasion and illegal insider trading by multiple parties. Continued harassment, stalking and abuse by unauthorized debt collectors impersonating the original creditor, issuer a certified consumer by multiple parties in a complex abusive debt collection and breach of privacy scheme. Certified claims sent by the United States Postal Service against a certified consumer and XXXX XXXX XXXX continue to trespass against the rights of private consumers at the request / due to intentional actions by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX. by the unauthorized conversion of consumer property, unauthorized claims against the original creditor for the rights, titles and interest of exclusive private property ( for personal, family and household ) of the XXXX XXXX XXXX. These known parties have without consent traded for profit the personal information using private credits from financial transaction devices, executed by and held in the name of the certified consumer. On XX/XX/XXXX written demand was made for the taxpayer identification number for each co-conspirer in every alias that each is operating under including XXXX XXXX XXXX XXXX AND the eighteen 18 listed associates / partners of XXXX, XXXX XXXX XXXXXXXX XXXX. operating under multiple alias ' for each act against consumers that violates judicial processes, evidences tax underreporting, tax evasion and the lack of proof that multiple foreign agents have registered in the United States as required by law or received the required authorization by the Department of State to bring the false charge, without a sworn affidavit, without an injured party to a non-judicial district using the State court system as a tool for illegal debt collection and extortion actions against known certified consumers. None of the parties are operating pursuant to their corporate charters, and all are operating ultra vires outside their legal and lawful authorities to cause significant injury and attempted murder by the continued unauthorized acts against multiple senior 's committing elder abuse, contributing to the near death and continued long-term hospitalization of one of the consumers that continue to be harassed and abused by the unauthorized debt collection practices by the multiple parties. Demands for proof of authority, proof of claim, proof of taxpayer status have been denied by the multiple trespassers that continue to breach the privacy, peace and continue to make threats of XXXX causing terror and fear. The abusive debt collection scheme is based on the securitization of debt, the unauthorized sale of the securitized debt, continued privacy violations, false claims to the Securities and Exchange Commission, false claims to the Department of the Treasury, impersonation of the original creditor by the unauthorized use of multiple financial transaction devices. The abusive debt collection scheme includes the securitization of the original loan application, securitization of the false charges in State of California Superior Court - a pattern abusive debt collection action evidenced by a public records search of the many false claims brought by XXXX, XXXX XXXX XXXXXXXX XXXX without delegation of authority and each in a name other than the name the STATE OF CALIFORNIA issued BAR credentials to practice. The names on each lawsuit do not match the names each impersonator is practicing by the use of non-judicial district, non-district courts against certified consumers to obtain false judgments to extort property from certified consumers is a proven practice evidencing the racketeering and conspiracy between multiple parties that have failed to register to do business or being charges in the local county, failed to file charges in the name that they have been authorized to practice and use of the mails to commit wire fraud. The debt, property of the originator, has been securitized without the consent of the consumer ; the personally identifiable information has been transferred / sold and monetized without consent and multiple accounts ( the original loan and the false court case are currently actively being traded under separate CUSIPS ) without authorization, disclosure or consent by the original creditor. Multiple parties continue to conspire and commit criminal acts against multiple certified consumers not limited to tax under reporting, money laundering, extortion of private property and the continued transmission of XXXX threats of debtors prison for failure to convey private property to prevent further injury by the complex financial racket. Public records evidence tax under reporting and lack of proper assessment not limited to mail fraud, securities fraud and the collection of debt certified by the Securities and Exchange Commission as being securitized, certified by U.S. Bancorp Chief Executive Officer pursuant to Rule 13a-14 ( a ) under the Securities Exchange Act of XXXX and Certification by U.S. Bancorp 's Chief Financial Officer pursuant to Rule 13a-14 ( a ) under the Securities Exchange Act of XXXX in violation of XXXX XXXX requirements. The bank executives as United States Treasury withholding agents have also certified the debt. The debt, property of the creator has been stolen and is in the possession of a criminal enterprise that on the public record acknowledges possession of stolen trust estate property without evidencing how each came to lawful possession and how each is making claims as the beneficiary, beneficial owner or having authorization by the original creditor for the unauthorized debt collection actions. The debt collectors do not have consent by the original creditor for the collection of the debt. The original creditor did not and does not consent to the financial transaction devices being securitized. The original creditor does not and has not consented to any of the unauthorized acts by the co-conspirators against natural rights of the certified consumers that have been injured by the unauthorized acts of criminal conversion against multiple certified consumers. | ||||||
| 11/15/2019 | Yes |
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| CONSUMER FINANCIAL PROTECTION BURO XXXX XXXX, Director XXXX XXXX, Deputy Director XX/XX/XXXX Matter : US Bank reject to open a legal and in compliance MSB Checking Account without a reason, and without the fair process. With all due respect, hereby, I am writing regarding to be unable to open an account for MSB in US Bank who has refused to provide us reasonable banking access despite and in clear contempt of the FinCen and Federal Bank Agencies regulation. On XX/XX/XXXX I approached to the local US Bank branch by XXXX XXXX XXXX XXXX, XXXX NM XXXX, to request a checking account for our MSB. The store manager kindly explained me that US Bank do not open MSBs accounts any more, and that they only keep the MSBs the have from before. I asked him if considering I was US Bank customer for another MSBs in the past it could be an exception given the good background and the good banking culture and compliance on the past. He told me that, he could try but with no guaranty to get the approval. Then, he came to our location to do a visit and he asked us for some basic documentation, but with out an application with the usual long questionnaire on a risk assessed basis. After a couple of weeks, he came back with bad news asserting his compliance department refused to open the checking account. We asked him why or whats the specific reason, and he said that they did not give him a specific reason. Just too risky. We shared with him the Advisory dated on XX/XX/XXXX from XXXX, where XXXX and The Federal Bank Agencies on XX/XX/XXXX issued a joint statement recognizing the importance of ensuring that Money Service Business that comply with the law have reasonable access to banking services. The statement also confirmed that banking organizations should apply the BSA requirements to Money Service Business, as they do with all accountholders, on a risk-assessed basis. Therefore, in accordance with this provision, there is no place to reject MSB petitions for checking accounts without following this advisory. However, seems like US Bank do not care of the XXXX advisory non the Federal Banking Agencies advisory they made in joint statement. In this advisory we see two lines of analysis. First. The MSB should be in compliance with the Law. Second, the Bank must perform a risk-assessed bases analysis about the MSB. We are in compliance with the Law, and we have a strong risk management ; and US Bank did not say something about it. In these lines of analysis, we can prove that : 1 ) We comply with Federal and State Laws and permits required. 2 ) We have a strong AML internal program, even with higher standards than big money transmitters. We comply with the Four pillars of the MSBs in accordance with the BSA. We have developed in addition a strong AML software to prevent structuring and to comply with all the BSA requirements. We have a strong Check Cashing procedures and a great performance in Cashing Checks with cero looses. Also, the history of our 3 years of bank statements shows a very high and excellent banking culture. Since we did not have more news from the local US Bank branch, we sent a letter directly to US Bank President and CEO Mr. XXXX XXXX on XX/XX/XXXX by USPS certified mail a petition of reconsideration. Two days later they received the letter. ( Is attached ). This Letter was sent with a full file of the Company formation documentation and legal permits. Also, we attached our full internal BSA AML Program, MSBA membership, the last independent review, the overview of operations with detailed numbers from XXXX and XXXX YTD, the last 3 monthly bank statements from our current bank, etc. On XX/XX/XXXX we received a letter from US Bank date on XX/XX/XXXX signed by Mr. XXXX XXXX, Senior Customer Care Specialist, asserting that, US Bank, through internal review, has elected to decline your request [ ] we will be unable to revisit the decline of your account application at this time. Considerations about the US Bank response. First.- Never was a real internal review as described on the letter. We never received to fill out the questionnaire they use for MSBs. I know that questionnaire from the past in other accounts I was part in with US Bank. How can US bank have made an entire and sincere analysis in that first attempt? In addition, I want to clear that no one from the compliance department contacted us, not even a conference phone call from the compliance department to perform an entire and sincere deep analysis such as other banks do. They just asked for basi c documents though the local store manager. We just perceived the good intention of the local store manager, but not the spirit of the XXXX and Federal Bank Agencies advisory for the true and entire process above mentioned. Second. The deny from Mr. XXXX XXXX to revisit the case or application, could show that in the bottom of the matter US Bank is having an attitude against the MSB industry in general and they are potentially incurring in unfair proceedings discriminating and blocking new MSB accounts. Third.- Unless US Bank , in accordance with the advisory of their regulators, can be able to point specifically how we are not in compliance with the Law, and how our MSB with our Strong BSA-AML Internal Proceedings and internal control [ 31 CFR 103.125 ] are too risky for them, and since our MSB is a LEGAL industry, the deny from US Bank will be not acceptable ; and it could be considered a deceptive and unfair banking practices and a clear contempt of the FinCen and Federal Bank Agencies regulation . Therefore, with all due respect, hereby, and pursuant the 31 CFR 103.125 ; the UDAAP ; and the Finicen and Federal Bank Agencies date on XX/XX/XXXX and XX/XX/XXXX, we request the intervention of the Consumer Financial Protection Bureau to prevent unfair deceptive and discriminatory practices from US Bank and their ambiguous responses. We expect to have the right and fair treatment as should be with all the customers ; and if they are not able to prove we are not under the law and what is too risky in our MSB under the BSA Law scope ; then, reasonable access to banking services shall be granted. Looking forward for your response, Respectfully | ||||||
| 08/30/2023 | Yes |
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Web | Older American |
| I am XXXX years old XXXX XXXX and my wife is XXXX years and a XXXX XXXX. She had a major XXXX in XX/XX/XXXXXXXX and, except for medical visits, had largely been confined to home. Her doctor has informed her it typically takes a minimum of 2 years to recover from a XXXX like hers. Our children, a son and a daughter, felt it would be a great idea for her to get out in the open fresh air by seaside, and after doing some research and with friends ' recommendation, picked on XXXX XXXX, XXXX XXXX, XXXX. We booked three rooms, one for ourselves, a second for our son and family and a third for our daughter and her family. The rooms were reserved through XXXX. They were " All Inclusive ' and included all meals, drinks and entertainment. Each one of us paid for our own respective rooms. We used a XXXX credit card to pay for our room. At the resort we presented our US Bank credit card when we checked in, for them to place a hold on it in the event of additional charges not included. Details of disputed additional charge : {$380.00} on XX/XX/XXXXXXXX XXXX XXXX Details of dispute : This charge was not incurred by us nor charged to our room by XXXX XXXX and they are not aware of such a charge. Please see attached documents for details of our correspondence with the resort and US Bank. US Bank reported nonpayment of this charge to XXXX and my FICO score dropped by XXXX points. Around the same time, XXXX XXXX XXXX, I had applied to XXXX for a credit card that they declined for this very reason. Meanwhile XXXX XXXX Bank keeps charging me monthly Late Payment Fees and also charged me interest for the same. They have reported me several times to XXXX and my FICO has dropped some more. I disputed this with XXXX without success. I don't know what transpired between them and US Bank. They have ruined totally my financial reputation that I carefully built and nurtured over many years of professional working life, and it is now in tatters. I have received several reminders by message from U S Bank. I wrote to them a letter on XX/XX/XXXXXXXX requesting some information related to the disputed charge. They have avoided answering but on XX/XX/XXXXXXXX they responded without referring to my referenced letter and did not provide any information or answered any of my questions. Instead it included some earlier forms that I had already responded to. We are not lawyers but feel we have been, and still are, subjected to harassment, intimidation, coercion and extortion. We are receiving by US Mail, statements demanding payment of all these charges that are based on a fraudulent charge, a work of fiction and an outright lie. We expect U S Bank to prove to us with solid irrefutable evidence that this charge was incurred by us or charged by the resort to our room for some valid reason that was unknown to us. The only additional charge of {$14.00} to our room was for a tube of Neosporin anti-biotic that we bought at the Gift Shop. This was paid separately by our daughter with her XXXX XXXX card when she checked us out. In the absence of such a proof or documentary evidence it is clear to us that a fraud has been committed and communicated to us both via U S Mail and electronically by internet and phone app in violation of U S Mail Fraud law 18 U S Code 1341 and 1343. We expect U S Bank to provide information requested in letter dated XX/XX/XXXX, remove all related invalid charges from our account including late payment fees and interest, restore my credit rating to what it was before they reported nonpayment, and make us whole for all the hardship, harassment and anguish we have suffered by paying us damages, both exemplary and punitive, and other as applicable under the law. Our trip was meant to alleviate my wife 's pain and suffering but has been turned into a nightmare by someone's greed that saw an opportunity to make some extra money {$380.00} plus additional charges. Details of phone contacts with U S Bank : 1. I called U S Bank credit card customer service on XX/XX/XXXXXXXX and spoke with their fraud department. I was told somebody would call me back. I received a call from them on XX/XX/XXXX. Their representative was very rude and loud and shouted at me by saying I was yelling her. I told her I have not said anything and it is you who is yelling at me. She yelled some more and finally said " I am done with you '' and cut off the phone. XXXX. On XX/XX/XXXXXXXX U S Bank credit card called me on my landline @ XXXX XXXX and cell phone @ XXXX XXXX from ( XXXX ) XXXX. On answering the second call, nobody answered. On checking further, I determined it was a caller identification number only and there was nobody to respond. XXXX. I have been receiving " stalking '' calls on my cell phone from XXXX that on checking further I found out it to be a scam call from US Bank. This number called me twice a day, sometimes three times, and also on XXXX. We were afraid that if we answered these calls we would be stuck with hefty charges and/or threatened with further actions. Details below : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX : XXXX XXXX and XXXX XXXX On XX/XX/XXXXXXXX I received bank scam calls from XXXX @ XXXX XXXX and XXXX XXXX on my cell phone that I have determined that answering these calls or calling back at this number could cost me thosuands of dollars. Please note I have additional documents if required. | ||||||
| 07/29/2020 | Yes |
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| Oh boy, where to start. Initially, my husband and I realized credit fraud had happened when I tried to co-sign on a loan application with my son. I was turned down based on my credit report that showed a credit card had been opened in my name with US Bank, I believe in XXXX, 2019, with a charge and balance of {$13000.00}. ( I am not certain if this was a single charge or multiple charges ). The card appears to have been issued by XXXX XXXX, but again, I am not certain how XXXX fits into this complaint. Unfortunately, I do not have exact dates or the number of times I attempted to call the different agencies or businesses involved, but to give you an idea of the madness, I have literally written down 15 different phone numbers to the four primary players ( XXXX, XXXX, XXXX and US Bank ) I was given to try and resolve this issue. Online websites to these four provided even more numbers. At one point I was told by US Bank to call the collection agency because the matter had been turned over to them adding a fifth company. The collection agency was much more helpful and cooperative than US Bank has ever been but was essentially told that I needed to resolve this with US Bank. But US Bank does not seem to care. When you think about it, I am not only trying to restore my credit but help the bank recover $ 13k dollars and at least try and prosecute the perpetrator so he/she will not continue their evil ways. Part of my problem in getting this resolved is that I work full-time and do not have the time at work to resolve the issue especially in dealing with this extremely time-consuming bureaucratic nightmare. Also, it has been impossible for me to fully understand the issues and resolve this fraudulent matter myself, so I enlisted my husbands help who in turn has spent countless hours trying to figure out the details. Something so simple has morphed into an endless cycle with " Customer Service '' representatives who have forgotten why they were hired. To resolve the problem, US Bank told us they were available 24-7 so we should contact them during hours when I am not at work. So we called during non-business hours, reported the problem and asked US Bank to please allow my husband to be added and authorized to represent myself because I not only trusted him in such matters but knew that I did not have the time or patience to resolve this on my own especially given the absurd run-around primarily by US Bank. It is worth noting that on one of many conversations with US Bank, we were told that they would be sending out some sort of paper work to further identify the charges and I supposed to be a form we could fill out to file an official complaint and inquiry and add my husband as an authorized agent on my behalf. Never received anything. More than two weeks later, my husband called US Bank again. The Customer Service agent told my husband they would have to speak to my wife since the account was in her name. After explaining that we had already tried that and were led to believe US Bank had already added my husband as an authorized person when I spoke to them several days prior, my husband continued the dialogue initially in a pleasant but firm manner. The Customer Service agent eventually hung up on my husband. On the 2nd call he was not as courteous and admittedly berated the agent ( after initially trying to cordially explain our problem ) and was hung up on by the Customer Service agent a 2nd time. ( Keep in mind, this is after numerous calls and exchanges with US Bank Customer Service Representatives. Our problem ( both myself and my husband ) is that this account and fraudulent charge had nothing to do with either of us. IT WAS FRAUD and yet we feel we have been treated by US Bank as the criminal, unwilling to offer reasonable help and direction. US Bank and their Customer Service agents have been rude and frankly incompetent to listen and think outside the box of their standard legalistic rules. My husband in trying to resolve this was not requesting any personal information about me, the credit card number or any other information that could have been used against me even if we were not married. He was not asking for anything that could make the situation worse, but desperately tried to make US Bank understand that our attempt to clear up the matter was in ours and US Banks best interest. We simply needed HELP from CUSTOMER SERVICE REPRESENTATIVES to correct a wrong. But because US Bank does not have representatives who have the ability to consider the entirety of each situation on its own merit and could not think out of the box beyond their own inept and limited rules, we continue to struggle to have someone from US Bank act as if they care about FRAUD or anyone else other than the criminals rather than innocent potential customers. We requested many times to escalate this to someone else willing to listen, but their way of handling Customer Service was to hang up. I would like to know how someone can apply for and be issued a credit card so easily. Are there not checks and balances to thoroughly vet and investigate your applicants without a picture or something else proving they are who they say they are? No wonder there is so much FRAUD in the industry. The bottom line is again I need assistance from US Bank to resolve this matter and recommend changes to your policies and perhaps additional training to your " Customer Support '' agents in dealing with FRAUD. A little bit of effort from your investigative FRAUD department may boost your profits by {$13000.00} with maybe 2-3 hours of investigation. Pretty good return I'd say. Please make immediate arrangements to add my husband, XXXX XXXX as my authorized agent in resolving this matter and taking whatever action is necessary to dismiss this charge from your records within 30 days from the date of this notice or I will have no choice but to retain legal counsel and pursue all remedies and recourse as allowed by the governing states and agencies of both Texas and Minnesota. You should be ashamed the way your company has so unwillingly handled and offered Customer Assistance to resolve what should have been a very simple matter. | ||||||
| 06/29/2021 | Yes |
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| XX/XX/XXXX ISSUE : Discriminatory/unfair/deceptive mortgage practices by US Bank Mortgage ( hereafter called US Bank ) Based on the amount due that US Bank listed for my XXXX ( $ XXXX ) and now XXXX XXXX $ XXXX ) mortgage statement, US Bank is refusing to honor the mortgage agreement that was made based on the escrow shortage statement ( Statement 3 ) they provided to me. US Bank sent to me an escrow shortage statement ( statement 1 ) to pay {$590.00} shortfall, mortgage will be {$990.00} ( current mortgage $ XXXX ), otherwise it will be {$1000.00}. I contacted them in XXXX at the listed toll free number to ask about making the payment in one of their branches. I was told that I could not make the payment in the branch because the form had to be signed and that the branches did not have the form. It made no sense to me that in the age of electronic mortgage payments, the escrow shortage payment had to made by mail. So, I knew this was their way of trying to add unnecessary difficulty to the process. I told the representative that I still wanted to make the escrow shortage payment because I wanted to make sure my XXXX payment was not the increased amount. I was told that a new escrow assessment ( statement 2 ) would have to be done and I would receive another letter with the agreement and escrow amount in 3-4 days and that my mortgage would not be increased if the amount was paid by the date on the agreement. I waited for the so called updated escrow letter/agreement and did not receive it. After about 8-10 days, I emailed US Bank about the issue from the contact us option in online banking ; I did not receive an email response or direct response. Several days later, I received in the mail the supposed updated escrow agreement letter/shortage document ( Statement 3, since statement 2 was not received ) with the stated escrow shortage amount that needed to be paid ( {$1000.00} XXXX and the amount my mortgage would be ( {$960.00} XXXX if the escrow shortage payment was made before XX/XX/XXXX. Unlike Statement 1, this was a letter only and a preaddressed return envelope. Statement 1 was a shortage coupon that contained the return address and a window envelope to display the address on the coupon. I obtained a US Bank cashiers check from my US Bank checking account for the amount ( {$1000.00} ) stated on the Statement 3 letter/agreement. I sent the payment to US Bank via priority mail with tracking. I sent the payment to the address listed on the preaddressed envelope that was received with Statement 3 ( I kept the original preaddressed envelope for my records ). I took photographs of Statement 3 and the cashiers check, and a photo of the mailing envelopes ( the one that they provided, which I retained, and the one that I put the payment in before placing it in the priority mail envelope with the same address designated in the mailing system ). The item was delivered to the address 15 days before the XX/XX/XXXX mortgage payment date. I will attach these items if your system allows ; otherwise, please contact me for these items. Near the end of XXXX, I noticed that a mortgage due amount of $ XXXX was listed on my account for XX/XX/XXXX th. I called US Bank to ask why the reduced amount was not showing since they received the payment on-time. I was not provided any satisfactory answer and was even told that the payment had to be transferred to a XXXX XXXX address because it was sent to the Minnesota office, which is the wrong address. I informed the call representative that the payment was sent to the address listed on the preaddressed US Bank envelope that was received. I was told that the XX/XX/XXXX th payment of $ XXXX would be taken. I was also told some additional things that made no sense ( if I did not accidentally delete it, I should have a recording of the call ). In XXXX, US Bank took XXXX, from my account for the XXXX mortgage payment. I checked my account around XX/XX/XXXX th or a few days after and noticed that the XXXX payment due amount is listed as $ XXXX instead of the XXXX listed on the agreement. I emailed US Bank using the same mechanism as before to let them I was upset about their deception and to let them know I would be filing a complaint. Its amazing to me how signed agreements against the consumer are considered to be binding but not nothing is binding for businesses and institutions. The mortgage payment is on automatic payment, US Bank can take what they want, so they dont care about what the means on my end if the account is short because I am expecting the payment to be lower based on the agreement. If the account is short, US Bank is going to want to charge me late fees or place negative things against my credit standing. It appears to me that US Bank is intentionally steering me towards what can be counted as missed payments and also result in negative impacts to my credit standing. I also have a high balance credit card with US Bank ; I am now thinking they have analyzed my accounts to add difficulties that benefit them - keep me from paying the little extra that I am able to pay on the card at times, by working to keep my mortgage higher than the agreed on payment listed on the statement. I believe that my race is a prevailing factor in why I am being targeted with these deceptive practices and being steered towards a higher mortgage payment unnecessarily. If they are doing this to me, I know there are others. All US Banks accounts, should be audited by an independent regulatory authority to determine if this type of discriminatory, bait and switch tactic is systemic nationally or if it is regionally dependent. I do not want to be contacted by phone. To ensure written records are generated and maintained, I want responses to be in writing, just as this complaint is in writing. I want to receive the records pertaining to this complaint and kept abreast of the status. I want the agreement that I signed to matter and my mortgage payment set to the agreed amount. I know what my budget can handle and I know the things that I need to do to continue to own my property. I did that when I made the payment. I need the agreement to be honored as stated. | ||||||
| 06/26/2017 | Yes |
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| On XX/XX/XXXX, I inadvertently requested a balance transfer from City National Bank Credit Services to be paid to XXXX XXXX XXXX in the amount of {$750.00}. During the online application process I was not provided with the rate specifics of the transaction and due to this fact, I did not want to carry out this request. Following the submission of the request on XX/XX/XXXX, I contacted the City National Bank Credit customer service line at XXXX within 15 minutes of the online request being made and spoke with an agent identified as " XXXX ''. I explained to XXXX that I did not want to carry out the transaction and asked how the transaction could be stopped or cancelled. XXXX indicated that she was unable to view the transaction at the current time and that I needed to contact the customer service department in 24 hours to resolve the matter. She indicated that she placed a note in my account specifying my request to cancel the balance transfer request. The next day ( XX/XX/XXXX ) I called City National Bank Credit customer service again prior to XXXXXXXX XXXX. I again explained the situation to a new agent identified as XXXX. XXXX indicated that she could see the note in the account posted in reference to my previous request to cancel the balance transfer. She placed me on hold and when she returned, she indicated that the transaction had been cancelled. I thanked her for her assistance and proceeded to use card for multiple transactions during my vacation with the understanding the balance transfer request had been cancelled. When I returned home from my vacation on XX/XX/XXXX, I reviewed my mail and I had received a letter from City National Bank credit specifying that the balance transfer for {$750.00} to XXXX XXXX had been completed on XX/XX/XXXX. I was puzzled and frustrated by this letter as I had formally requested for the transaction to be cancelled on multiple occasions and had received assurance from City National Bank service reps that the matter had been resolved on XX/XX/XXXX. Therefore, I called City National Bank Credit customer service again on XX/XX/XXXX and spoke with another agent identified as " XXXX ''. I explained the situation to XXXX, and while she seemed to be sympathetic, she indicated that nothing could be done to resolve the matter until the money was returned by XXXX XXXX. She recommended that I call XXXX XXXX to see if they could cancel /return the payment to City National Credit. I expressed my frustration with the situation and was concerned that XXXX would likely not be willing to send back the payment or charge a fee to do it. I called XXXX XXXX and they indicated that the payment had been received from City National Bank Credit, but they could not refund. Therefore, I called City National back and asked to speak with a supervisor and I spoke with an individual named " XXXX '' ( Employee # XXXX ). XXXX was not particularly helpful as he said he could not do anything without the return of payment from XXXX and inquired on multiple occasions as to why XXXX could not / would not return the payment. I told him that XXXX was not the problem and this would not have been a problem in the first place had the transaction been stopped or cancelled as requested. During my conversations with " XXXX '' I asked for contact information to file a complaint against a credit card provider and he only provided me with the complaint department for City National Bank Credit { XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX } While I plan to file a complaint with this department as well, I feel he should have been able to provide me with contact info. for an outside agency as well. I asked him if he had the ability to review the audio from the discussions I had had with agents " XXXX '' on XX/XX/XXXX and " XXXX '' on XX/XX/XXXX. He said that it was possible, but process this would not change the outcome so it would not be necessary nor would it be completed. I asked him if it was required to provide a customer with specific rate information for a balance transfer offer before executing the transaction and he did not provide specific answer to my question ( he only referenced the requirements for a phone-based transaction. As I could see I was getting nowhere with this issue, I asked " XXXX '' what date did I have to have the transfer paid off by to avoid any interest charges on the additional purchases I had made on the account + the transfer offer. He indicated that if the account was paid off in full by XX/XX/XXXX that I would incur no interest and would not pay any fees associated with the transfer with City National Bank Credit. It is my desire to resolve my business with this company as soon as possible, so I plan to pay the account off in full once all transactions have posted. In summation, these are my primary complaints : # 1 : When making and online balance transfer with City National Bank Credit, the specific terms and rates are not provided until after the request has already been executed. The terms arrived in writing after it was paid out. # 2 : Near immediate ( within 15 minutes of the request being made ) notification was made to City National Bank Credit to stop / cancel the transfer request and assurances were provided by the company that the issue was resolved, yet the transaction was executed anyway and I now have to deal with the issues associated with the mistake. # 3 : Unwillingness by City National Bank to review the audio from the calls made on XX/XX/XXXX and XX/XX/XXXX. { They did admit that they could see the account notes and they admit to the mistake, but basically will do nothing to assist in helping me resolve the problem. # 4 : Supervisor " XXXX '' was not particularly helpful ( could not adequately answer multiple stated questions and did not seem particularly interested in helping me resolve the issue. He seemed more concerned as to why the other company could not return the payments and not the issues that lead to the problem in the first place. # 5 : The rushed timing of this transaction gives the appearance that it was pushed through regardless of my documented requests to stop or cancel the transaction. | ||||||
| 04/19/2021 | Yes |
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| In XX/XX/2021, I instructed a freelance marketing specialist who I found online to produce for me a guide to enable me to use my XXXX profile to gather new students for my XXXX XXXX XXXX business. The premise of this job was that I wanted a clear, easy to understand guide that would teach me how to search for and identify potential students from XXXX members, and to also provide me with message templates to then send to the members on XXXX who I had identified as potential students. I explained clearly what I was looking for, and also that I had no experience in marketing and so would need everything clearly explained and any specific terms defined. I paid a total of {$140.00} for this service, to a company called XXXX XXXX. I first received a 10 page document that was supposed to be about how to find clients on XXXX. 6 of these pages were absolutely irrelevant material about how important XXXX is. The other 4 pages described a complex process with many unfamiliar terms designed to harvest emails and personal information from random people with the intention of spamming them by email in the hopes of getting them interested. I didnt understand anything that was described and asked for many point to be clarified. I was sent a few replies with more confusing instructions. I was then sent the message templates. These were not meant to be sent on XXXX but by email, although this was not what I had requested. I asked to set up a XXXX call so I could ask my many questions. A date was set up which I confirmed but at the last minute this was cancelled because the staff members wife was taken to hospital. In total frustration I then composed a 6 page document with all of my questions detailed clearly. I received a document back which was basically a list of videos to watch that would supposedly explain things. None of it made sense. None of my questions were answered in a clear manner. I paid {$140.00} for an expensive email spam campaign, not a XXXX targeted approach. After 5 wasted weeks of getting nothing practical from the merchant, I emailed to request a refund. She responded immediately with a furious message telling me that if I really wanted it to work I would have made more of an effort. I then opened a case with XXXX to request a refund. I uploaded all documents involved with the case, and the seller offered a {$50.00} refund which I rejected as I got nothing whatsoever in return for my money. XXXX made what I feel was a hasty decision in the merchants favor saying that I had received what was paid for. I most definitely did not. I then contacted my credit card company, US Bank Cash Plus Visa. I explained the story detailed here and said I wanted to raise a dispute. I was given a temporary credit of {$140.00}. I asked on this occasion, as well as on several other occasions during subsequent phone calls, if I could submit my evidence for the dispute by email or by upload link, as the total number of pages in all documents was approximately 35 and I didnt have the ability to print out that many pages and then mail them. I was told Im not sure, youll have to talk to the dispute department or else well have to ask about this. Eventually I received a letter in the mail requesting I submit evidence for my claim. There was no email address or upload link, only a fax number. I dont have any form of access to a fax and dont live anywhere near to a facility that sends faxes. Even if I had access to a fax machine, sending 35 pages by fax is completely impractical as its difficult to keep them organized. Email or upload link is far more practical and used frequently by other credit card companies. I was unable to print out this number of pages as my printer only prints out about 2 or 3 pages before it stops working and I then have to reset it and wait for it to become functional again. I also dont live near a post office so would have to take an XXXX to the nearest post office, and it would cost me around {$10.00} to mail the number of pages. Again totally impractical. I called US Bank to explain the impossibility of submitting my evidence in the forms available to me, and again asked if an email address or upload link could be supplied. I was told that this would be looked into and I would be contacted. I was told if an email address was an option that I would be contacted by email and I confirmed my email address. I received no letter or email after this but on XXXX XXXX I received an email saying that my case was nearing resolution. When I again called US Bank to enquire as to the status of my case I was informed that the assessor on my case had closed the case after a response from the merchant. I asked what evidence the merchant had supplied and apparently the merchant offered no evidence at all apart from a claim that they had provided the service requested. I on the other hand had not been given a reasonable opportunity to present my evidence and the case was closed without giving me a fair opportunity to respond. The staff member I spoke to about this most recently told me that due to the difficulties I faced in submitting my evidence, I would receive a phone call from the assessor dealing with the case within 48 hours. I gave the staff member specific times that I could be reached on Friday XXXX XXXX. No one contacted me. I am often away from my phone while I am working and cant leave my ringtone on because it will disturb my teaching schedule as I live in a small apartment. I therefore cant guarantee that if the assessor calls at a later time I will be available to take the call. I was also informed that in fact there is no option to submit evidence by email, which was completely different from how the question of providing email contact had been answered during my previous calls. It appears to me that the assessor on this case simply couldnt be bothered to carry out due diligence on my behalf and accepted the merchants assurance at face value. This is completely unfair and imbalanced. I therefore would like my {$140.00} to be refunded to my account immediately or an electronic means of submitting my evidence to be made available. | ||||||
| 07/28/2020 | Yes |
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| This account has a number of concerns that have been presented yet not handled. I received a condescending response to my concerns from XXXX no last name disclosed with the office of the president which I hope is not true because the level of service provided here and lack of decorum was so bad I had to write a cease and desist that he continued to violate. Now getting to the actual concerns I initially advised that this account was said to have been XXXX out in late XX/XX/XXXX despite having two separate conversations and call logs reflecting as such US Bank claims it never happened Im imagined it. I was disputing the amount owed they said they place an active dispute on file and escalated and I was not responsible for the dispute balance but keep in mind interest would XXXX XXXX continued to accrue on the account during the dispute process. The other reports past due 30 days again we go back on the round and round. After being psssd around from rep to rep supervisor to supervisor each of which offering different information none of the information aligning with the other they put the account on a 2 month billing cycle extension for Covid 19 as part of their disaster assistance for consumers that also does not Happen and I get two additional reporting making it 90 days past due. The account was paid off in full at the end of XXXX within the 90 days and physically cleared my bank account onXX/XX/XXXX. The company has been furnished with proof of such and acknowledged such yet no amended has been made to any of the above least of all XXXX. During my initial dispute process XXXX was also added as past due on my credit profile. A copy of my credit profile, payment receipt were sent in verifying the information of such. I was called a liar in a lot of non so round about ways by this XXXX at the Office of The President claiming my disputes and allegations that contact was made never transpired. I advised because o felt as though I had exhausted every reasonable recourse as a consumer if I could not get the proper correction I would have no other direction but to seek legal remedy. XXXX takes little regards in any concerns and just reminds me of the arbitration process and gives a number. Keep in mind I am not a customer of 6 months that was late three out of 6 months. I am a customer of 7 years that has never once been 30 days late. Ive never not communicated despite having been called a liar multiple times indirectly by XXXX which is started to become slander I have furnished the credit reporting that shows the account was in fact reporting late for XXXX and amended at US Banks request though XXXX states it was not. My allegations do to speak that calls were made and not properly notated is verified by extension calls logs and multiple witnesses the callback from the Supervisor advising the account was in fact on extension for XXXX and XXXX was on speakerphone with colleagues. Additionally the account was paid off completely in XXXX just to be done with the account altogether because of the terrible service so clear there was XXXX financial issues preventing me to pay I continuously advised my ongoing dispute and when I paid on a recorded line US Bank I again stated I 100 % dispute the validity of this remaining balance and request monies paid be returned upon conclusion of my disputes. After 7 years I can assure you I didnt start being late not only to pay everything off completely in the same month you XXXX are alleging I am 90-120 days late. NO Not happening what in fact happened is that your company failed to process the extension as promised, you are relying upon notes that may or may not have been input correctly based upon your own correspondences alone you are not reflecting 13 calls, any letters once so ever. You also called me 3 times in the month of XXXX alone reconfirming each time that the account was absolutely in extension with XXXX payment due. Your response is that you verified multiple times with my prior responses what you did was resend me the same condescending correspondence you sent the first time with little regard to customer service or actual proper service. You took a baseline overview and your position towards a customer regardless of their circumstance was honestly terrible. I paid this account in full during a pandemic during a time which your company stated it was extended and was failed to be so this notion that the information reported to the credit bureaus is accurate is completely false and could not be further from the truth. The service was so bad during service with you and after that I even said I would be willing to forego 6+ years of positive history just to be done with US Bank completely and you couldnt even do that. The FCRA does not require you to report any any means it only requires that any information be reported be 100 % accurate in which despite your allegations and assertions is 100 % not so again it was disputed for XXXX and XX/XX/XXXX no payment said to have been due XXXX and XXXX were extended for Covid and failed to be applied also have multiple inbound and outbound call logs that you claim never took place that I will include my case if you continue to fail to just do the right thing. Additionally you have many instances of the same circumstance online so clearly its a routine problem. Whats more likely that somewhere in the chaos and communicating with over 8 different reps during a pandemic that someone made a mistake which is ok as long as you own it and make it right or that a customer that has over 6 years of positive history whom is capable of paying off the entire account right then and there just miraculous shifted course and became 90-120 days out of nowhere with no worries in the world except the opposite is true Ive communicated so much prior to during and after it almost completely eliminates any margin of error on my part to be considered because I clearly care very much and this is honestly insane and highly disappointing. I can honestly say I am done with all things US Bank as a result of this if this is not rectified. This is terrible! | ||||||
| 11/30/2021 | Yes |
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| Dear Sir or Madam, 1. US BANK XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with US BANK XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX | ||||||
| 11/15/2021 | Yes |
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| 1. US BK HM MTG Account Number : Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 180 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with US BANK HOME MORTGAGE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX | ||||||
| 01/26/2021 | Yes |
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| XX/XX/XXXX I received a statement for {$3600.00}. I paid this in full, on time. After that I stopped using this card and received no further statements. XX/XX/XXXX I suddenly receive a debt collection letter from XXXX XXXX XXXX on behalf of Elan Financial Services for {$7300.00}. I had never heard of Elan Financial Services before, as far as I knew my credit card was with XXXX XXXX XXXX. Every single statement I had received from when I opened my account until my final statement on XX/XX/XXXX never mentioned Elan Financial Services anywhere. Once I was made aware that my card was actually with Elan Financial Services, XXXX XXXX XXXX sent me all statements, at which point I was able to see that fraud had been committed with my card. I had never received any statements past XX/XX/XXXX, despite there having been activity present ( not by me ). Had Elan continued to send me my statements, I could have alerted them to the fact that there is fraud. Elan simply continued adding late fees and interest charges to my account, never contacting me, never sending me a statement or any other documents to let me know what was happening. Apparently my card was being used in XXXX and XX/XX/XXXX still, and it wasn't me. They also neglected to alert me when my credit limit was exceeded by whomever was using it. Elan Financial Services did not perform any of the most basic things every other credit card company does - send me my statements, alert me to exceeding my credit limit ( again, that wasn't actually me ), alert me to excessively large purchases being made, or alert me to suspicious activity. There were several large charges supposedly from Systemic Formulas amounting to about {$2500.00} in a 2 week time period. That is a supplement company I use a lot for my business, which is why I didn't notice right away, but as it turns out these charges do not correspond to any orders I placed with Systemic Formulas. Nor does Systemic Formulas have any records of receiving those amounts. These are charges that were on the statements that had never been sent to me XXXX and I wasn't expecting statements as I wasn't using that card ). Throughout my investigations, I also found that on the XX/XX/XXXX statement that I had paid in full, there was already a fraudulent charge for {$1600.00} that I had paid, not realizing that this was fraud from Elan Financial Services. Despite Radius Global Solutions sending my file back to Elan Financial Services, Elan never reached out to me. I made many attempts to reach Elan Financial Services, I always ended up in never ending transferring loops and usually ended up in a dead end. My assistant tried. My lawyer tried. I sent them a fax on XXXX. In the fax, I was still willing to take on some of the financial responsibility, because I simply couldn't understand what had happened. Then I had investigated and found all the fraudulent charges done in the name of Systemic Formulas, etc. My lawyer mailed them letters, and made it very clear that I do not owe them and what they need to do to rectify this fraudulent situation. Even an employee at XXXX XXXX XXXX tried to help us, she got nowhere. We got no response from anyone. I also discovered that Elan had done many credit checks on me, but never reached out to me about any of the charges or unsent statements. My lawyer referred me to a consumer protection lawyer. He took a look at everything and suggested if Elan Financial Services isn't doing anything to rectify any of it, to just leave it be as pursuing this would incur very high costs for me. While I found this highly concerning as fraud was committed against me, I had no other clear option. But then, on XXXX, I receive a debt collection letter from XXXX XXXX XXXX on behalf of Elan Financial Services for {$1400.00}. I called XXXX XXXX XXXX right away and informed them there had to be fraud as there was before, and they sent it back to Elan Financial Services. 2 days later, Destiny in the fraud department of Elan Financial Services calls me, and explains I need to request the statements so I can specifically tell her which items are fraud. I called Card Member Services of Elan Financial Services as I was told, and was stuck in never ending transferring loops as each person told me they can't help me with that. XXXX even told me I can't make that request as my account is closed. Finally, someone in the legal department says she can help and places that request for my statements. She also updates my address, as each time I call the zip code I had to state was unclear. At times it was the original practice location zip code, then my old home zip code in Colorado, and then sometimes my current zip code. 2 weeks later, I still had not received my requested statements. I tried calling XXXX in the fraud department of Elan several times, each time it went directly to her voicemail. At this point, her voicemail even says she's with the cardmember services and does not mention the fraud department anymore. She has not responded to my voicemails either. So I called cardmember services again. XXXX very politely kept me on hold for 30 minutes while trying to find someone to transfer me to who might be able to help ( I was just trying to find out about the status of my statement request ). She finally connected me with XXXX, who was exceptionally rude and after more time wasted, I was finally told to call the debt collection agency. This was surprising as they had already transferred my case back to Elan several weeks ago. I spoke with someone at XXXX XXXX XXXX again, and she was very apologetic and confused as my case had been sent back to them from Elan despite my telling them there is fraud. Instead of mailing me my statements so I can clarify the fraud, Elan Financial Services sent me back to debt collection. XXXX XXXX XXXX, knowing this is not correct, has asked me to wait for another 1 -2 weeks for them to find out how this could've happened. I'm attaching some of the documents, there are far more if needed. | ||||||
| 05/14/2021 | Yes |
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| I seek your assistance to ensure due process for those who applied for Forbearance Mortgage Assistance and Mortgage Assistance Programs through the US Bank. In XX/XX/XXXX, I submitted my application to the US Bank Mortgage Assistance Program. On XX/XX/XXXX, the US Bank emailed me and stated that I needed to explain an extra {$3000.00} to my income. On XX/XX/XXXX, I called the US Bank and verbally explained that my oldest child and only XXXX unexpectedly passed in XX/XX/XXXX. And because her life insurance with my State benefits expired on her XXXX birthday, I had to pay for all her funeral and burial costs. The funeral and burial expenses were not in my budget. Therefore, as the single XXXX XXXX XXXX XXXX, I XXXX extra university classes to earn more money to help keep my family afloat. The Customer Service Representative told me that I needed to email documentation to verify that information. Thus, on the same date, XX/XX/XXXX, I received the US Bank 's email. I also emailed the US Bank a written explanation documenting my university 's pay-schedule dates and contracts of the extra courses I XXXX Please note that I regularly made mortgage payments when while I was on the US Bank forbearance program. The US Bank mailed me a letter dated XX/XX/XXXX, stating my consumer mortgage assistance application was closed because I did not explain why my income increased by {$3000.00}. The US Postal mail is slow. Hence, I did not receive and read the US Bank letter until XX/XX/XXXX. After reading the letter, I immediately called US Bank and spoke to XXXX on XX/XX/XXXX. XXXX reviewed my US Bank electronic file, and she too was perplexed because my written explanations of my XXXX XXXX unexpected death and the additional {$3000.00} documentations were noted in the US Bank electronic files. She told me she would forward the matter to management and to call US Bank in a week to obtain an update. On XX/XX/XXXX, I called to follow up and was rudely told by a Customer Service Representative that : 1 ) My case and application were close 2 ) The US Bank electronic files did not have any written or verbal XX/XX/XXXX documentation explaining the extra {$3000.00} income 3 ) I could not appeal the US Bank decision 4 ) I would not be able to speak with a supervisor. Knowing she was not telling the truth, I challenged her on her unprofessional and incorrect responses. Subsequently, she put me on hold but never returned to the call. Therefore, I immediately called the US Bank again seconds later, on XX/XX/XXXX. This time, I spoke to another Customer Service Representative, her name was XXXX. XXXX told me that my application was denied because the Customer Representative I spoke with on XX/XX/XXXX, did not note in the US Bank electronic files that I verbally explained the extra {$3000.00} income. She stated documentation I emailed the US Bank on XX/XX/XXXX, was unnecessary. XXXX said that the US Bank that I just needed me to provide them a verbal explanation of the extra {$3000.00} reflected in income. She stated even though the US Bank had the documentation I emailed on XX/XX/XXXX, because the Customer Service Representative did not provide any electronic notes in the US Bank 's system, my application was denied for being incomplete. XXXX put me on hold and said her supervision would review the recorded XX/XX/XXXX, Customer Service Representative to assess if I " verbally explained the extra {$3000.00} income ''. XXXX also stated the US Bank would put me back on the US Bank forbearance program effective XX/XX/XXXX. She assured me I did not have to worry about losing my home. XXXX then directed me to call the US Bank back on Friday, XX/XX/XXXX, to receive an update on the US Bank 's internal investigation of the XX/XX/XXXX customer service call. On XX/XX/XXXX, I called and spoke to a Customer Service Representative. Her name was XXXX. She informed me that while the US Bank electronic files show that I called on Monday, XX/XX/XXXX : 1. The Customer Service Representative, XXXX, never put any electronic notes in the US Bank IT system about any such internal investigation of the recorded XX/XX/XXXX customer service call 2. On XX/XX/XXXX, XXXX nor her supervisor never re-instated me back on the US Bank mortgage forbearance program as I was told they did 3. As XXXX verified on XX/XX/XXXX, XXXX also confirmed that all my dated ( XX/XX/XXXX ) documentations were in the US Bank electronic filing system. 4. On XX/XX/XXXX, XXXX legitimately put me back on the US Bank forbearance program, so my home would not be in jeopardy of being foreclosed. I am requesting that the US Bank 's closed and denied federally subsidized mortgage assistance programs applications are randomly reviewed to ensure equity and due process on behalf of me and other US Bank customers. I also want the Consumer Financial Protection Bureau to review recordings between the Customer Service Representatives and me. Then compare the verbal dialogue between us with the US Bank 's electronic customer services notes. My calls with the US Bank Customer Service Representative were lengthy. I want to ensure that no systemic maleficence is occurring at the US Bank Mortgage division. Any United States bank or lending institution that bases federally funded mortgage assistance decisions solely on electronic customer services notes while invalidating submitted written documentation does not appear sensible, legal, or ethical. Customers are at a severe disadvantage if, in my case, the Customer Services Representatives do not leave any electronic notes in the banks ' electronic filing system. Below are the dates of my specific Customer Services calls were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID-challenges and life have been hard for many Americans. More important, as a federal agency, I am certain that you concur with me that any unethical and potentially illegal banking practices of federally subsidized mortgage assistance programs can not be tolerated or overlooked. | ||||||
| 03/23/2019 | Yes |
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| I purchased a laptop, speaker, and a pair of headphones from the XXXX online shop late XX/XX/XXXX for the amount of {$3100.00}. After receiving a different laptop and other speakers as a gift, I decided to return my items to XXXX. I contacted XXXX and to request the return, and I was informed that I would receive an email with prepaid shipping labels and instructions on how to proceed with the return. I received this email on XX/XX/XXXX, which stated that I have 14 days to return the items and that receipt of said items will be confirmed by email after which I proceeded to return the items in the same boxes that I received them in. On XX/XX/XXXX, I received an email confirmation from XXXX stating they have received the laptop, speakers, and headphones and that I should expect a refund for the items within 5 business days. After waiting 5 business days and not receiving the refund for the items, I proceeded to contact XXXX to resolve the issue. After being asked to stay on hold for over half an hour, I was told that I would not be receiving a refund for the items. I proceeded to contact US Bank to dispute the transaction and was asked to provide relevant dates of purchase and return along with " proof of return '' of the items. I provided the relevant order number and return number provided to me by XXXX ( Order Number : XXXX, Return Number : XXXX ) and also offered to forward all relevant emails from XXXX to me regarding my return request and their confirmation of receipt for the items I returned, however I was told that I provided enough information and that I would be contacted if any other information was needed from me. On XX/XX/XXXX, I received provisional credit for the dispute and on XX/XX/XXXX I was charged back for the same {$3100.00}. When I contacted US Bank I was told that my claim was denied on the basis that I did not provide " proof of return '' for the items, which I provided when I originally called to file the dispute with US Bank. I told the US Bank representative that I provided all relevant information and was confused as to why US Bank did not attempt to contact me to request this information and resolve this matter instead of denying my claim. After being put on hold for a long time, I was asked for the proof of return information which I provided again, was informed that US Bank will be reopening my claim again, and to wait for a letter in the mail which I had to complete and return. I was also told that I would not be provided provisional credit again for the dispute since they were opening this dispute for a second time which was preposterous since it was not my fault that the bank did not have the information that I provided! I was then contacted by the caseworker from US Bank handling my dispute and was informed that they are now requesting additional " proof of return '' of the items and are requesting tracking numbers for the items that were shipped! I informed the representative that I did not have access to any tracking numbers as XXXX sent me an email with a link to a webpage that provided prepaid shipping labels for the return of the items which I offered to provide. I also notified the representative that XXXX should have access to the tracking information since they were the purchasers of the shipping to which I was told that if any other information would be required I would be contacted and to include all proof I had with the paperwork that I should be receiving soon. After I received the paperwork from US Bank, I completed the requested documents and also attached photos of the emails sent to me by XXXX for the return request and the confirmation of receipt of the returned items, which was what I had originally provided to US Bank! On XX/XX/XXXX, I received a credit to my account for the same amount of {$3100.00} and on XX/XX/XXXX, I was charged again for the same amount of {$3100.00}. After contacting US Bank, I was told that my dispute has been denied again because I did not provide " valid proof of return ''. I stated that was ridiculous since this has happened once already and I already provided all the required relevant information. I then asked if US Bank had the information I provided such as the return number and email sent to me by XXXX stating they have received the items and when to expect the refund for the items. I was placed on hold once more and then was told that I would have to be contacted by my case worker to answer any more questions and to resolve the issue and agreed that I provided enough evidence for the return. I asked if there was anyone I could speak to at that time about my case and was told that only my case worker can contact me within 1-2 business days and I have no way of attempting to contact them myself concerning the issue! After I was contacted by my case worker, I was informed that since no tracking number was provided my claim was denied and that I should try to contact the merchant to resolve the issue! I stated that this was ridiculous and the information and proof I provided was more than substantial to substantiate my claim. But I was told that now without the tracking numbers, the claim can not be continued. I proceeded to contact XXXX and they provided me the tracking numbers and I called US Bank back to provide the information. After providing the tracking numbers I was told that if they need any other information from me that I would be contacted by my caseworker which did proceed to contact me and inform me that it is in fact now too late to proceed with my dispute and that I should try to contact the merchant to resolve the dispute. It is very unfair and even insulting that I should be held accountable for {$3100.00} for items that I returned and for a national bank to conspire with its merchants to deny consumers any protection against simple things like receiving a refund for returned items. Please note the tracking numbers for the 3 items I returned : XXXX XXXX XXXX | ||||||
| 10/06/2020 | Yes |
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| Back in late XXXX I had XXXX girls extremely XXXX. I was out of work on extended leave through XXXX and when I returned to work I had back pay that was taken to catch up on insurance. I went a few months with partial pay or no pay. In doing this we became right around one month behind on our mortgage. I was encouraged to apply for the mortgage assistance program. Keep in mind, we were paying end of the month or right at the first of the following month so right around one month behind. I applied for the program and was accepted and was advised that I was approved for a plan in which I would make six months of payments at a reduced amount. Our regular payments are around {$1800.00} and these payments were around {$1400.00}. I specifically asked the agent I was working with, XXXX XXXX how paying less would bring my account current. I was advised trust me it will work. I confirmed on the phone if I pay six months at the reduced amount on the seventh month I go back to regular payments and loan is back to normal. I was advised yes that is correct. This agreement was done verbally. I agreed and made the payments on time and even early. I paid the XX/XX/XXXX installment, which was the final one of the plan in XX/XX/XXXX. At this point I was no longer able to contact XXXX and had to speak with whomever I got on the phone. At that point I asked the representative, this is my final payment on the installment so I make my regular payment next month correct? I was told I needed to contact XXXX and she would make adjustments to my account so I could resume regular payments. She attempted to transfer me to XXXX and I was routed back to the queue, where I reached another agent who told me the same thing. I continued to attempt to reach XXXX over the next few days via phone and email with to no avail. I called back in and got another representative who told me yet another story, that by me being o/n this plan my account can not be brought current and that I must pay the past due balance. I asked for a supervisor to which no one was available so I tracked down XXXX 's supervisor, XXXX XXXX, who advised what I actually need to do is reapply for assistance. I asked why I was not initially told that and she said it is a training issue that she would address. Within a week I applied with a new application and now an account much further past due. I submitted the application and initially received a call back asking about deposits into my account. I explained while my husband is not on the mortgage he does send me money for household expenses all of which are paid from my account. The representative said that's all she needed and she will pass this along to the underwriter. I then received another request for information, this time it was a profit and loss statement. I called in at least six times and explained I am not self-employed there is no profit and loss statement I can provide. The first person I spoke with didn't know what a XXXX XXXX XXXX were then I was asked to send a letter stating this and I did so. I then continued to receive requests for a XXXX XXXX XXXX statement and finally asked for a manager and reached XXXX who is a senior representative. I spoke to XXXX on XX/XX/XXXX and she researched my account and found that someone relayed to the underwriter that I was self employed but the letter should have cleared up the issue but she reached out to the underwriter and said they cleared the request and I am now in the queue for underwriter review. I continued to receive calls so I called back on XX/XX/XXXX and explained that I was still receiving notifications that I need to submit a XXXX XXXX XXXX. XXXX assured me that she handled this and it was an automated system sending the messages and to disregard. Then, around XX/XX/XXXX I received a call that my file was denied for not submitted the required documentation. I was asked how I could submit something that does not exist? I was told they would research it and get back to me, this was XXXX XXXX I spoke with. I received one call back after attempting to reach out multiple times. I was promised another call back by Friday XX/XX/XXXX and did not receive a call and I attempted to call several times Friday and today. I finally got through to an analyst who told me I needed to reapply because I did not comply with the last request. I asked for a supervisor or manager and again was denied one. I have been told multiple times someone would call me back and no one ever does. I have been told several times they do not understand what the underwriter was doing and they would research and help me, it never happens. The bank is in violation of UDAAP. I started this venture barely 30 days past due, and was never told this would make my account further past due as a matter of fact I asked them how lower payments would make me catch up. I get zero help from the bank. I have done everything that has been asked. This process has been very deceptive and unfair. We have a good bit of equity in our house and I feel as if the bank is doing this to take our home. At this point if I would have handled it myself we would have had no problem being on time months ago.I regret getting a mortgage with the bank and I regret allowing them to try to " help '' me. I was even told on multiple occasions I was not allowed to make payments despite begging to. Now my loan is severely behind and in this case it is no fault of my own. I have made numerous attempts, spent hours on the phone to get a different answer with each contact. I want one point of contact that will give me the same " story '' each time I call. I want to know specifically why I was told conflicting stories. Why was my file denied for not submitting a document that does not exist? What specifically do I need to do going forward? I am trying my best to resolve this and get no support from the bank. I am currently consulting with legal council as well to determine how to move forward. | ||||||
| 06/13/2022 | Yes |
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| In early XXXX XXXX XXXX the U.S. Bank branch - located at XXXX XXXX XXXX, XXXX, IA XXXX- froze my account for suspected fraud and subsequently closed the account. I was restricted from the funds that were in the account, was informed that they would be sending me a check for my account balance, and to expect it within 15 days. It has now been over two months and I still have not received my funds. The timeline of events are as follows : My wife deposited a check that was a refund from an attorney in XXXX, Texas. The check was for {$750.00} and they granted us access to {$300.00} of it immediately. The following day I was contacted by phone by a U.S. Bank representative asking me if " the XXXX transactions on my account were legitimate. '' I assumed that they were from my wife and stated that " yes, they are legitimate. '' The representative then informed me that they had placed a temporary suspension on my debit card, but since I confirmed that everything was legitimate they would be removing the temporary suspension. The next day I attempted to use my debit card and it was still suspended. I called the customer service line to get the suspension removed and the representative informed me that the suspension was due to XXXX transactions. I explained that I already confirmed that those transactions were okay and to please re-activate my debit card, to which she stated that she would put in a request to do so. Once I arrived home that afternoon my wife informed me that she had went to the bank to withdraw some money and the bank had told her that our account was frozen due to " suspected fraud '' and that we could not access any of our funds. I called the customer support line and the representative stated that there was a notation on his computer screen stating that my bank account was being closed and that a check for the balance of the account would be sent out to me within a few days. I asked why my account was suspended and closed without informing me and he stated that he " did not know, it appears to have taken place at the branch level. '' Over the next couple days I attempted to contact someone at the branch level to explain to me why this was happening, but no one would answer the phone or respond to the messages I left. After about a week I was able to speak to someone ( I think her name was XXXX XXXX and she stated that " she does not know why the account was frozen and closed, that it had something to do with the 'back-end ', and that I would have to call the Fraud Department. XXXX She explained that they would be unable to send me the funds from my account until the Fraud Department had concluded their investigation. I subsequently contacted the Fraud Department, who informed me that they had already concluded the investigation, and that my account was frozen and closed due to the check that was deposited by my wife. I explained that the check was a legitimate check from a prominent attorney in XXXX, Texas and they could verify that everything was legitimate. I also asked why they did not just place a hold on the check until it cleared instead of freezing / closing my account. The Fraud Department agent said it was the bank branch who did it, but that the investigation had been closed and that the branch should have already sent my funds to me and to contact the bank branch for my funds. I called the bank branch and spoke with XXXX again, and explained to her what the Fraud Department said to me. She placed me on hold to speak with someone and then informed me that they were unable to release the funds and send me the check ; it was physically impossible for them to do so at the branch level because there was no option to do so on her computer screen. She again stated that it was up to the " back-end '' to release the funds and to contact the Fraud Department . I once again called the Fraud Department ( this was like the 5th or 6th time I had spoken to them ), who once again stated that the investigation was closed and that the funds should have been released and the check sent " long ago. '' The woman at the Fraud Department emphatically stated that the funds were being withheld at the branch level and to give it another week or so to see if the funds were released and sent to me ; and, that if they were not to file a complaint on the bank branch and its employees, if needed. I waited two more weeks and my wife contacted the branch to see what the issue was with the check for our funds, and they stated that " the Fraud Department had reopened the case and the funds were frozen and they could not release them or send them to us in a check. '' We immediately called the Fraud Department, who once again stated that there was no open investigation, it had never been reopened, it had been closed almost a month prior, and that the branch location is mistaken. '' To this day I have still not received a check from this bank for the balance that was in my account, totaling nearly {$1000.00}. This bank should have NEVER frozen my account AND CLOSED IT behind a legitimate check from a prestigious law firm that was deposited by my wife. The procedure they followed in this instance is like nothing I have ever experienced by any other banking institution in my life. Furthermore, they have added insult to injury with the way they have handled this obvious error on their part from the very beginning. There seems to be a lack of accountability within this organization throughout all its departments, further exacerbated by the deliberate indifference and/or feigned ignorance perpetrated by its employees. This banking institution has, in effect, wrongfully and unlawfully seized my funds and refuses to release them while at the same time consistently passing the blame back and forth between the different departments. They have failed to resolve the issue and release my funds to me, either in person or via check sent to my address on file. This is nonsense. | ||||||
| 10/04/2021 | Yes |
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| Dear Sir or Madam, 1. US BK HM MTG Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with US BK HM MTG and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/24/2021 | Yes |
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| On XX/XX/XXXX I applied for a job online and was asked to deposit a check amounting to {$2000.00} for equipment. The next day XX/XX/XXXX they asked me to pay for the equipments thru XXXX which made me worried and in doubt of the said check, on XXXX AM PST the same day I contacted the fraud liaison department in regards to the check i deposited, he confirmed to me that the employer was scamming me. I asked him if he can reverse/cancel the check and he said he cant since it is already cleared. I also asked him for the next step to take in regards to this and he told me nothing since it's going to bounce anyway and just wait for the {$20.00} fee and I can easily have it reversed when I go to my local branch. Since my account number was compromised I asked him if he can change my account number and he told me he can. What he did was close my account and made a new one. He transferred all the funds and told me to wait a few days to get the new acct number and I can still use my old debit card. XXXX weeks later, XX/XX/XXXX I realized that my account was then again frozen so I called the customer service at XXXX AM PST and the lady confirmed that my old acct ending in XXXX has a - {$2000.00} balance and that my debit card was still tied to it technically freezing my account ending in XXXX. She issued me a new card and told me to wait for it in the mail. I asked her about settling the negative balance and she told me she cant really answer me and so, she transferred me to the Fraud department. I was able to speak to someone from the fraud department and asked her about the negative account, she told me I can't do anything because the risk department already got involved and my account is now being closed. I asked her how I will get my money and pay for the negative balance and she told me that I need to wait in the mail for XXXX weeks and I will be issued a cashiers check thru mail and a bill for the negative balance. I asked her if there is any way I can speed up the process since I have enough funds to cover for the negative balance and she said no, there is nothing I can do. She also told me that my accounts are already getting ready to be closed so, nothing will come in and that all check deposits so as checks issued will be rejected and returned. I have accepted my fate and tried to survive XXXX weeks of no money for my bills and also had a delayed paycheck since it was going to be rejected. Fast forward to XX/XX/XXXX, my current employer asked me if i received my pay for the last month, I told them no and that it will be returned to them. They showed me a screenshot that the amount was successfully deposited to the bank account and so, I decided to call customer service on the same day at XXXX AM PST. The customer service rep told me that my account was already at the collections and so, she transferred me to the collections department. The lady from the said department told me that the money that was indeed received was used to fund the negative balance. I asked her why it was taken if the account was closed and it was supposed to be returned to my employer. She told me my account was reopened and it was still open when my check arrived. The statement was different from what the fraud liaison told me and so she decided to transfer my call to the fraud department to gain some clarity on the issue. I was able to speak to the fraud department and he was able to let me know that the account was reopened and that I should have been instructed to go to my local branch to speak to the branch manager. He told me that the branch manager would be the one who can help me communicate with the risk department and possibly have my account back or atleast get my money and fix the issue before it went to collections. I told him how hard it was the past XXXX weeks having no funds, having my paycheck taken away and technically my money was held for that long and there was an actual way to resolve the problem. With that same guy I asked to report a complaint regarding the first representative that told me i don't need to do anything and just to wait for the check to bounce which resulted in the negative balance in the first place. And another complaint for the lady who told me I can't settle the negative balance and that I cant do anything about it. He told me he sent the complaints but I didn't really get anything from this complaint, no response, updates nor calls. I also called my local branch the next day XX/XX/XXXX XXXX AM PST to ask for assistance in regards to my account and they said it was already too late. My accounts are already closed and she cant do anything anymore. I received the bill on XX/XX/XXXX but with no cashiers check, I decided to go to the local branch on XX/XX/XXXX XXXX AM PST to ask if I can do a payment plan since the actual money to cover the negative balance hasn't arrived. He told me that the bill had already been paid for and that my cashiers check will be issued soon, no actual dates yet. The negative balance amount was deducted to the final check that will be issued. I told him that this is the way it was supposed to be done in the first place. Lastly, it was a good thing that I didn't mail in any payments since it will double the amount lost in the process. I didn't even get any alerts, calls or email regarding this which made it even more frustrating. Fast forward i received my check for the remaining balance and it was sent to the wrong address! it was sent to the old one my moms house. I have already contacted your department thru mail and thru phone regarding my case and yet there is still no proper resolution involving this. I spoke to XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm and she told me that your department will check up on my case and will get back to me regarding to what happened, so as my request to help me remove a report for my chex system. Days have passed and I still havent gotten a response. | ||||||
| 10/27/2022 | Yes |
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| US BANK never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of these fraudulent accounts.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about these fraudulent accounts. I don't have any closed accounts with US BANK. Also they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. US BANK stated it was properly investigated but how is that even possible if US BANK DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with US BANK. I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave US BANK ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THESS ACCOUNT. THESE ARE FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THESE FRAUDULENT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH US BANK. They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I recently challenged the validity of US BANK account thats being reported on my most recent credit report. I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act US BANK has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the. fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 US BANK is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give US BANK written permission to furnish these accounts. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : | ||||||
| 10/04/2021 | Yes |
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| Dear Sir or Madam, 1. US BANK Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with US BANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX | ||||||
| 04/27/2022 | Yes |
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| From XXXX to XXXX, I was living in XXXX. I purchased a home in XXXX XXXX in XXXX. In XXXX, my marriage of XXXX years sadly ended due to my spouses substance abuse issues. At the same time, my mom died, I was laid off my job, and I contracted a XXXX XXXX and made me temporarily XXXX and unable to walk without fainting, I was in a XXXX for XXXX months. I had XXXX young children and I worked diligently to find resources to make sure we did not end up living in our car. Because my ex-spouse did not pay his portion of child support or any debts, I did not have enough money to pay the creditors. When I was healthy and back to working full time, I was only making {$10.00} per hour as a XXXX XXXX. Although I was working with the bank to get a forbearance, they eventually took my house. In XXXX, US Bank took me to Court for a XXXX XXXX concerning a credit card debt of around {$20000.00}. Upon seeing I did not have my house or even a bank account, they said they would file a Judgement against me. Periodically, US Bank would contact me and when I showed them my financials, they could see I really didnt have the resources to pay against the debt. By XXXX I stopped hearing from US Bank and the Judgement stopped showing on my credit report by XXXX. Because I had sustained such a harsh financial set-back from the divorce, it took everything I could do to have enough money to live on. I tried and was unsuccessful in gaining permanent employment and continued as a XXXX XXXX until I moved in XXXX to XXXX XXXX. My daughter had received a scholarship to attend an XXXX XXXX in XXXX, but it did not include living expenses. Unable to help her financially and unable to obtain credit, In XXXX we moved to XXXX to use my limited housing budget for her to be able to live at home & go to school. I was also hoping I could possibly earn a better income in a larger city. In Washington I was able to gain temporary contract work, but nothing permanent until XX/XX/XXXX when I was hired as a permanent employee of XXXX XXXX XXXX. On XX/XX/XXXX, I received a notification in the mail from XXXX XXXX XXXX including documents showing XXXX XXXX were garnishing my wages and taking 25 %. I called XXXX XXXX and they told me that they were representing US Bank on a Judgement from XXXX. I told them I was not aware that the bank was still trying to collect and asked how they could still pursue this after 10 years. The representative told me that they had renewed the Judgement in XXXX and again in XX/XX/XXXX. I emailed XXXX XXXX and their attorneys listed on the paperwork, XXXX XXXX XXXX XXXX, Utah. I sent a letter requesting a settlement and/or installment plan that was more reasonable than the 25 % they were garnishing. I also sent a completed IRS Form 433-A showing my income and assets. I explained I was not aware that they were still pursuing this debt and that I was not contacted before the garnishment to be allowed to work out a payment arrangement. XXXX XXXX responded to my email and told me to contact their attorneys who are XXXX XXXXXXXX XXXX XXXXXXXX Utah ( XXXX ). I contacted XXXX XXXX and I spoke to their representative XXXX XXXX, Collection Manager XXXX XXXX. I asked XXXX XXXX if he had reviewed my email, and he said yes. He said that they would not accept my offer to settle this. I asked XXXX that if my offer wasn't good enough, tell me what would be workable, he said keeping the garnishment or paying it in full. I explained that I will be without enough money to have housing, and he said they dont care because they are allowed to garnish 25 % had sent me notices. Interestingly, XXXX XXXX continually repeated that they had notified me prior to the garnishment and that is the reason they wont work out a settlement on this account. He had mentioned that they work with the XXXX XXXX in Idaho. I told him my employer is not located in Idaho. XXXX XXXX said, its because You live in Idaho. I said to XXXX XXXX that I havent lived in XXXX for several years. He asked me where I lived, and I told him I live in XXXX XXXX. He was completely unaware that I no longer live in XXXX, and he said, I will have to update the file with your address. I never received any prior notifications on this garnishment. It is clear that the attorneys office did not know I was no longer living in Idaho and consequently did not send me notification. The last contact was in XXXX. They sent the garnishment paperwork to my employer, and they did not send it to me. Within 5 months of obtaining permanent employment, this agency decided to garnish my wages and diminish my ability to support my family. I simply dont have the resources for this old debt. I am now XXXX XXXX XXXX, and finding employment is challenging because businesses dont readily hire employees in my age group. At the time this debt was incurred, I had no resources. I was not aware that this debt still existed, and I dont have the ability to pay the entire balance. I offered to pay {$6000.00} by XX/XX/XXXX, if they would agree to remove the garnishment and accept this amount to settle the account. This will take all my savings, but I simply can not afford the garnishment. I also asked that they work with me on a reduced settlement balance and/or a reduced installment plan, they refused. I need help because the garnishment amount is excessive and I was not notified in advance and was not given the opportunity to settle this matter first. The organization did not notify me and revealed that they didn't know where I lived, they only notified my employer. Also, the debt is from XXXX and I was not aware they were still trying to collect. I don't know if the debt is too old for allowing a garnishment either. Any assistance in clearing this matter would be very much appreciated and urgently needed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX | ||||||
| 06/27/2023 | Yes |
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| US Banks settlement offer- On XX/XX/XXXX, I received the 2 attached letters, dated XX/XX/XXXX, offering to unconditionally settle disputed accounts with US Bank . I have disputed the entire balances due to willful violations of the FCRA for which I have filed CFPB complaints. Despite my numerous requests in the past, I have been repeatedly denied my requests obtain true and correct binding copies of the Original Credit Card Agreement. The CFPB requires US Bank to clearly list every Credit Card Agreements in its CFPB database so consumers can simply and accurately ascertain with certainty the effective agreement. However, the database presented for US Bank does not allow consumers to determine what agreement, if any, is applicable. The headings for the listed agreements is garbage and not informative. While most agreements may be identical, I can not be assured with certainty what listed agreement covers my 2 credit card products. On XX/XX/XXXX, I called US Bank at the number provided in the letters speaking to XXXX, XXXX and finally XXXX seeking to obtain the exact terms and conditions of the settlement offers as the offers were not clear, concise and complete. At first, I again asked that US Bank provide me with an exact copy of the credit card agreements so I could be assured that there could be no disagreement of the exact terms, especially the forced, mandatory, binding Arbitration provisions which require US Bank to advance and pay 100 % of the Arbitration fees for claim disputes. XXXX refused to provide me with a copy of the credit card agreement including the Exact Arbitration provisions. More importantly, XXXX frivolously stated that she could not find the written offer insisting that I provide complete financial data to apply and see whatHardship offer could be offered but most likely less than what was in the written offer. I explained over and over again that the entire account amounts were disputed and the illegal debt collection tactics constituted a classic bait snd switch prohibited conduct. I called to inquire about the written settlement offer but XXXX said she wanted to have me enrolled in an Re-Age Program to trick me knowing that I disputed all amounts. My call was nothing more than settlement discussions about the written settlement offer AND an attempt to obtain the effective credit card agreement with arbitration provisions. My accounts were long ago disputed and remain disputed despite the willful violations for failing to list accounts as disputed with credit reporting agencies. The frivolous settlement offer was filed in BAD FAITH in willful violation of the FDCPA with no intent to permit acceptance. I asked XXXX to specifically write into her record such as customer demands Arbitration for disputed claims of the parties AND customer chooses Arbitration as the sole forum for dispute resolution so that litigation in a court is BARRED per the forced binding Arbitration provisions written by US Bank and included in the card agreement. Thus demand for Arbitration as my chosen dispute forum was stated over and over again to make it clear that dispute resolution was already effectively in Arbitration, except for the mere ministerial task controlled by US Bank to file the claim and pay the $ XXXX arbitration fees for most likely a retired judge at {$500.00} an hour. I made it clear that the cost of Arbitration with fees to a retired judge could easily reach {$50000.00} plus attorney fees of {$50000.00} with no possible court collection option. I tried to get XXXX to understand that litigation was barred and Arbitration was expensive besides my Social Security Income was exempt from garnishment. So settlement is in the best interest to the bank. XXXX merely tried to PARROT canned statements rather than understand a simple case of expensive litigation with no chance of collection. I must have demanded Arbitration and chose to Arbitrate at least 10 times. I demand complete copies of the credit card agreement with Arbitration provisions as the CFPB database on file with the CFPB is useless. In the event that US Bank, or its assigns, sue me in a state or federal court in violation of the Arbitration forum chosen and demanded, I will have no choice but to file a motion to compel private binding arbitration which will automatically stay proceedings for years until every appeal is pending. ( See attached Friday, XX/XX/XXXX, US Supreme Court decision in Coinbase , Inc. v Bielski delivered by Justice XXXX ). Litigation against me is now barred by virtue of my Arbitration forum selection choice and demand. If you file a state court lawsuit, I will certainly file a Motion to Compel Arbitration and file a federal question US District court lawsuit seeking injunctive relief and $ XXXX statutory and punitive damages, plus a petition to compel Arbitration. I do not trust US Bank so Arbitration is required and it is in the best interest to settle the disputes. I request that my disputed accounts be permanently deleted from every crefit reporting agency as you have violated not only the FCRA but the FDCPA and the bank has not complied with the complex XXXX XXXX obligations as it does not understand and can not fulfill its statutory requirements. A precondition of any settlement is the permanent deletion of all accounts from every CRA. Vague promises to report to credit agencies is worth less than your bait and switch offer. As far as reporting to the IRS, reporting is exempt as your claims are reduced and offset by statutory damages. At age XXXX, I will die or become bankrupt before you receive anything. Dont waste {$100000.00} to pursue an uncollectible disputed claim. As I explained to XXXX, you will most likely sell the claim for XXXX cents on the dollar so your settlement offer for XXXX cents was in your best interest. Your illegal and deceptive debt collection conduct must cease. | ||||||
| 02/07/2022 | Yes |
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| I opened an checking account with us bank in XXXX Minnesota, my account number is XXXX XXXX XXXX XXXX my name is XXXX XXXX. On XX/XX/XXXX I deposited money in the amount of {$750.00} Sometime that night my debit card went missing. I thought I just misplaced it. I was wrong. Later I checked my online account found out there has been alot of transitions going through my account. From XX/XX/XXXX after my deposit to XX/XX/XXXX. Are ALL UNAUTHORIZED CHARGES. Except for 2 from XXXX. I told us Bank what is happening and told them the dates that were not from me. They told me they could help and get my money back. So I believed them. Next I made a police report and the officer found a surveillance tape with a guy using my card .It turns out that that guy '' believe it or not '' is my brother. I was shocked.. I thought that a woman stole my card and I was wrong he took about {$530.00} out of my account the police officer helped me figure that out The cop went through my bank account with me and showed me at the bottom of the statement shows the last three or four digits of the card that was used, so we figured out exactly which ones were fraudulent and which ones were not then I realized that two of them we're actually from me, it was 2 XXXX transactions both of them were XXXX purchases same day the XX/XX/XXXX and my card is already registered on XXXX and saved so XXXX didn't need my card physically to have that purchase go through. it just went through and the XXXX and the XXXX of XXXX those two I found out later that was from me. those were the only ones that I got wrong. so I called the bank and straightened it out with them, they told me it didn't add up they said they saw me on camera which doesn't make sense because I didn't use my card. My card was stolen the only card that I got is my new one. I canceled that old stolen debit card and I received a new card. I used that new card and I'm thinking that they saw me use that new card and thought that it was me the whole time. But that's NOT TRUE AT ALL. I don't know why they say it doesn't add up? or why they don't believe me? I wouldn't lie about something like this. It was very devastating to me to have my own brother steal my money like that. I am a single mother on XXXX and I'm a Christian and I try to do the right thing. and all I do is help him out and he screwed me over so did the bank.They charged me {$750.00} and put me {$400.00} negative in my account. They want me to pay. Why would I have to pay any money for getting robbed and taken advantage of. I just got robbed and they're asking me for more money than what was stolen. I don't have money like that... that was all the money that I have... I am low income and I feel like the bank just screwed me over, they had many many months from XXXX to XXXX to fix my account and look at all the transactions but I think they didn't look at them cause if they did they would see. I'm being honest. They would of seen someone else use my card on surveillance ... why? if the cops can find it on one try, how come the bank can't? they act like I'm lying about it, I'm Not! Said it doesn't add up? I don't understand why they are doing this to me? they're not doing their job properly... I went to them for help because I just got robbed and they just blew me away. I found out that they just close my case/ account and sent it to collections .I 've been working on my credit for some time now and this is going to hurt my credit. for something that I didn't even do .I have never been negative or overdrawn in my account since I had that account open. Us bank made me overdraft and they charged me a whole bunch of money. that I don't have, why should I have to pay money when I am the victim and I got robbed. they're not taking my story seriously and they're not doing their job or anything to help or fix it. I gave them the police name and number and I told them to get the surveillance from him. Talk to him. and I don't know what to do. they closed my case multiple times, I had them open it multiple times. I been waiting forever for it to get resolved. And nothing. They won't fix my account or give me my money back and then they go and close it. I got screwed over by getting robbed once and then by the bank too.they just completely screwed me over. I did NOTHING WRONG.. I am the victim... I didn't do anything wrong but Reach out to them to help me. I thought they would help me and fix it. not accuse me of lying or telling me my story don't add up.. I'm telling the honest to God truth and I feel helpless and hopeless and I don't know what to do. I don't like to be accused of something that I didn't do I got robbed and they're robbing me again. I don't know who to turn to. I want something done about it. I want my money back and I want those charges gone. because I didn't do anything to have those charges put on me. I was robbed and taken advantage of and that's the same thing that US Bank is doing to me. I've called them crying on the phone begging them to help me to fix my account and it's just they won't do it. I don't understand, I'm never had this problem ever in my life .Can you please help me in any way? point me to the right direction? what should I do? should I call the cops on them? because what they're doing is wrong!! I don't really know what to call it but they're screwing me over ... anyways I hope that you can get back to me and help me and give me some lights and I want my money back I want those charges gone, I didn't do anything to deserve to have {$750.00} charged against me plus {$400.00} negative in my account which I did not do... I got robbed twice... PLEASE PLEASE HELP ME I DONT DESERVE THIS .IM THE VICTIM HERE.DONT KNOW WHO TO TURN TO FOR HELP.MY CREDIT IS IMPORTANT TO ME.I PRAY IT GETS RESOLVED IN JESUS NAME . THANK YOU FOR YOU TIME. Reply Back Please ~ XXXX XXXX XXXX XXXX XXXX | ||||||
| 02/04/2020 | Yes |
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| verview : XXXX has a student account and I was on with her because at the time we opened, she wasn't of legal age. On XX/XX/2020, XXXX XXXX and XXXX XXXX noticed one deposit was pending XXXX account. XXXX is not working, so XXXX XXXX and XXXX XXXX called the bank and alerted them to the fraud department of the pending deposit, and that it possibly maybe fraud because XXXX shouldn't have any deposit pending her account. The bank called XXXX and spoke with her regarding the fraud which they can legally do because she's XXXX years old. However, they told her that the check looked legal, from XXXX XXXX, and it needed to pend through the account. XXXX did have her spiritual sister on the phone when the fraud was reported. She spoke with XXXX in the fraud department, and she was told that her account did have fraud done on it, by then another check was pending her account. The fraud came from North Carolina, from a payday loan place. That they know the phone used wasn't XXXX 's phone. On XX/XX/2020. I went to use my card from my personal account unrelated from XXXX account to purchase a drink, it was declined. I called the bank to discuss why my account was closing, and the bank decided to close it because " of risk '' to the bank. I'm told two different things from fraud. 1- my account was forced closed by the " fraud risk department, and because my name was on XXXX 's account. They have the right to close my accounts although it was unrelated. 2- there are representatives that's told me it makes no sense for my accounts to close being that it's unrealed and my log-in information, so it shouldn't be any holds on my account. The rep told me that my accounts are closed, and all deposits would be returned, and all ACH withdrawals wouldn't go through anymore. I was then told to call the branch manager from where I opened my account because they would be the only person able to remove the hold and talk with " the risk department '' to release the hold. I'm thinking my accounts was closed. This was right close to a pay period, so I really didn't have time to change anything, as this was the first day I'm finding out my personal accounts would be affected. I was fine knowing my account were closed, and nothing would be coming in or going out. On the XXXX of XXXX, there was a deposit made from my School The College of XXXX XXXX. I called customer service, told them my story, and asked why this deposit was able to come through my account, and would they be sending it back to the school? I was told that my accounts weren't actually closed. They just shut down all of my ATM cards and ACH holds because the bank doesn't want to take a risk of losing funds from that account. I asked XXXX, " If my accounts were so much a risk, why would they allow any deposits to pend through my account, and we're talking about two different bank accounts. He told me to call the fraud department because there was nothing else they could do for me. I spoke with XXXX about releasing the hold and returning the deposit back to the school as I just moved to a new state, not working, and need my money to pay rent and take care of my children. He just told me to talk to XXXX his manager. I spoke with the manager XXXX in XXXX, XXXX, and he told me the bank couldn't help me because they have the right to terminate the relationship with me just like I have the right to walk into the bank and terminate the relationship. He said, the fraud risk department is the one holding the account, and it's beyond the bank level. I told him, we're the one ones who alerted the bank, so why are we being treated like this? He said, the bank doesn't have to have a reason, it was something my daughter said to XXXX to cause off this. I have called XXXX 8 times, and left messages on her voicemail, and she hasn't returned any of my calls, not even when she was working on the account. No returned calls. However, she spoke with an XXXX year old, who doesn't understand banking that well nor does she know what a Pay loan. I've called and left messages for the bank manager XXXX over three times to try and see when this will be closed. No returned calls. I've been going back and forth between departments. No one is telling me an estimated date of when they will close my accounts. I just moved from XXXX to XXXX, XXXX. I'm not working at the time, and the money in the bank is all I have to care for my children and pay my bills. I just moved into a lease home, and the rent was due yesterday XXXX. I called this morning and spoke with a US Bank fraud representative, and asked her to please tell me who I need to speak with regarding an estimated time my money would be released, so I know what to tell my landlord. She said that she didn't know, and all she could do was get in touch with the bank in XXXX. Also the fraud department handling my case, doesn't have a direct line. I told her that, no one from the bank calls me back, and when I have spoke with XXXX and XXXX, they told me it's beyond a bank level to speak with fraud. Now, I'm just being bounced back and fourth. My daughter and I are the ones that called and alerted the bank of possible fraud happening to her account. It makes no sense to alert the bank of possible fraud, and you're the one who caused it. Then, if my accounts were such a risk to the bank, why allow another direct deposit to come through the account for over four thousand dollars, and risk the bank taking a loss? Why not send the money back? My money has been siting in that account since the XX/XX/2020. No one at US Bank cares that I'm a single mother, rent and bills are due, and I have a XXXX child in need of medication. I pay for his medications. I would like to hear the tapes from the call with XXXX and XXXX. XXXX my daughter stated, said that she never told XXXX she gave her log-information out. | ||||||
| 08/30/2017 | Yes |
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| I am a survivor of a flood which took place in XXXX XXXX, LA in XX/XX/XXXX. I lost everything in my home. I had insurance for the structure of my home, but I became a victim of Contractor fraud. On XX/XX/XXXX, I called USbank to report I fired my contractor. The remainder of my insurance money which is the balance of {$26000.00} was immediately frozen the same day. I felt like I was being penalized for what the Contractor did. I reported my concerns to USBank on several occasions regarding my issues with the Contractor misappropriating funds, not completing repairs and I reported the work which the contractor completed was very sloppy. This is documented on a couple of the inspection reports, but the bank did n't do anything regarding my complaint. I also provided Loss Drafts with documentation that my Contractor lied about being a General Contractor. He held a commercial license which I found out expired XX/XX/XXXX, but he worked on my house up until XX/XX/XXXX. He was in violation because he was not supposed to work on houses with damage over {$75000.00}. I also found out the paper work he submitted to the bank regarding his insurance was not valid. He only had insurance for one month which was XX/XX/XXXX, the policy cancelled XX/XX/XXXX due to non payment, therefore when he signed the contract with me XX/XX/XXXX, he did not have insurance as stated in his contract that was submitted to the bank. While working on my house this contractor had issues paying his employees and subcontractors. He also received money for permits and I later found out the fee was waived for flood victims. In the beginning, the bank requested several documents to be verified for approval of the contractor before any of my insurance money was released. The contractor 's license expired the very next month after the contract began but he worked on my house three months after expiration. The insurance documentation provided by the contractor was not valid. The effective date of his insurance was XX/XX/XXXX but I found out it cancelled the very next month due to nonpayment, therefore he did not have insurance when he signed the contract with me in XX/XX/XXXX. If the bank verified the information which was requested for the contractor, they would have know this from the very begining. Due to the fact that the Contractor would not provide me with all receipts upon my request and his misappropriation funds, I acted in the capacity of my own General Contractor. I had to coordinate, manage and pay for subcontract work to be completed. The bank was informed of this as well and I provided a copy of all checks and receipts to the bank. After the contractor was fired, I was told by XXXX XXXX with USbank Loss Drafts dispute resolution that I would not be allowed to get another contractor until I sent two certified termination letters to the contractor at least 7 days apart from each other and I would have to send the return receipt to the bank. I was advised I could go to court to settle the dispute to have the funds released, ( this was not an option to me because this would have taken even longer to get back in my house ). It was also suggested that I try to work things out with the contractor. ( Why would I want to do that when I had already sent the bank confirmation of the fraud that took place with the contractor ). The only reasonable option I was given was to send the certified receipts. This process took two months because the fist certified letter never made it to it 's destination, the other two copies of the termination letters mailed to the contractor was sent to his local post office and was held for 14 days because the contractor never claimed the letters. This is why it took close to two months to get both receipts. I was also told on two different occasions that anything I purchased while the account was frozen, would be reimbursed back to me. I returned the certified receipts from the letters sent to the contractor to USbank XX/XX/XXXX. My funds became available again, but I was then told that my money would not be returned because they wanted to make sure there was enough money to complete the house. The money that was owed to me was borrowed from a friend. This additional money did not come out of the insurance money, so this money should be paid back. I would have never used my friend 's money, if the bank would n't have told me the money would be reimbursed. As of today the contractor was reported to the Louisiana Licensing Board for Contractors and did not show up for the hearing but was fined the maximum penalty of {$10000.00} to be paid to the licensing board. He will also be facing criminal charges for Contractor fraud, his arraignment date in XX/XX/XXXX. In the meantime, I have been out of my house for a year, the floors which the contractor placed down has buckled due to the floors not being leveled. I was told by several contractors the wood floors in every room will need to come up. The sheetrock in every room will need to be repaired because nails are pushing through the sheetrock, because it was not installed properly and there is mold left in the house. The contractor treated the house for mold, but I later found out he was not licensed to treat the house for mold. It was stated on the contract that he was treating the house for mold, the bank never informed me that the contractor had to be licensed to treat mold. All of this is new to me, but the bank 's loss draft insurance department has been doing this for years. I was very disappointed that I did n't get any help regarding the fraud even after I reported that I was not satisfied with the contractor at the last two inspections and this is documented on the inspection report. I would also like to add there is alot of work that was paid for in the house that was left incomplete by the contractor. | ||||||
| 12/22/2021 | Yes |
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| From the dates of XXXX I travelled from XXXX XXXX XXXX MO to XXXX, TN. On XX/XX/XXXX a {$4000.00} advance on a credit card was deposited in my checking account at U.S. Bank. I spent money that weekend and as I checked the account, I seen what I'd spent in my pending transactions and taken out of my available balance ( normal ). I had an issue with an XXXX charge on my account and after returning I contacted U.S. Bank and was sent to their fraud department and they then reported it, cancelled my debit card and the money was returned to the account the week of XX/XX/XXXX. There was still an available balance and I spent based on what I had. Fast forward the day before XXXX I woke up and the account was severely negative. I was hit with multiple overdraft fees and all my transactions from the weekend of XXXX were dated for the week after or further. I then put {$1200.00} cash and a {$500.00} check into an ATM outside of the branch, those amounts should've covered the negative balance. I check my account on my phone and the account was still over {$20.00} negative. I go inside and I try to explain to the teller that my account shouldn't be negative after the deposits. She told me it was because I deposited a check. I told her I've worked at two different banks in my past & at least half of the check should've been available immediately and she just sat there and stared at me as I continued to inquire a male got involved who I assumed was a manager ( actually a banker ) and printed out my recent transactions and began adding them all up with a calculator. As I was talking to him, he ignored me and continued calculating and another teller who I wasn't working with and did not authorize to review my personal account information came over and was looking at my transactions with him. When he finished, he told me that I had over {$7000.00} in transactions but I only had a little over {$6000.00} in deposits. I asked him how could that happen when my account has no overdraft protection and my card will decline if I have insufficient funds. He told me authorizations/holds were dropped and then charged again and the XXXX XXXX fraud case was reversed because they never actually charged me it was just a hold ( {$710.00} was held over the weekend, their phone agent told me to report it as fraud and the money came back, then since it was just a hold the bank took it again ). It made no sense and I didn't understand, all the charges that were pending came out in real time but at some point they fell off and I was able to spend the money. All I needed the banker to do was reverse 1 overdraft fee to get me out of the negative status in fear of accruing more fees over the holiday. I told him I've been a customer of this bank for 10 years and I've never had a problem with overdrafting and I recently was XXXX due to XXXX and was out of work over a month at the time. I've been so financially secure in the past I barely used to look at my account, let alone pay attention to how long it takes and the dates transactions post from real time. I average over $ XXXX in my account, but my account doesn't accrue any interest and they use my money to loan out to other people and I just needed my account to not be negative. Not only did he NOT reverse any fees, he told me, " YOU supposed to know how much YOU spending! '' After standing there a little while longer trying to make sense of the matter and plead my case, I left the branch in tears when I realized no one cared to help and I was just embarrassing myself. I called U.S. Bank 's customer service number explained the situation and attempted to close my account. The representative told me that since there was money in the account I should go to a local branch, and I asked would I be able to close the account with pending transactions and she reassured I could. I go to that same branch and get the same female teller, I told her I wanted to close my account. She tells me I'm unable to close it with pending transactions. I told her the phone agent told me I could and she said, " If she told you, you could close it, you should've did it on the phone with her then. '' As I stand there in disbelief, the same banker from the other day is across the lobby at a desk next to the security yelling out, " no you can't close your account with pending transactions, I tried and it wouldn't let me do it. '' I never gave him my name or permission to access my account and it definitely was a breach of my privacy to shout that information across the branch. Afterwards the female teller was just staring and blinking at me and stated, " I don't know what you want me to do. '' I told her I wanted my ID back and I left. I contacted corporate to complain, they referred me to the district manager for the area. I told him all my complaints and as we attempted to do account research, he was having the same issues as me with future dating and fees that were assessed disappearing on the statement making it impossible to recall. I told him how illogical this system was and I could never prove anything if their system adds, removes, re-dates and charges ridiculous fees. I told him for all that I know money could be stolen from me and I would never know based on the way this company operates. I would have to screenshot my spending the moment I do it to prove anything. I told him their company has underhanded practices and I refuse to leave my money in this account and I get no incentive for it. He apologized and reversed 3 fees for me but the relationship has been severed due to incompetent staff on the phone and in the branches, poor customer service, malicious business practices and no retention incentives. I closed my account on XX/XX/XXXX. But I want someone to investigate how they are able to get way with adjusting spending statements, it should be illegal. | ||||||
| 10/10/2020 | Yes |
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| 1st off I would like to say thank you for giving me the opportunity to speak Out and for you guys to hear me out For me to say what needs to be said ..I am pandemic unemployment assistantce Claimant receiving help from the governments in these tough times, so I will say this my family of 5 really reli solely most dearly to receive these benefits of this tragic crisis for our bills food and living expenses every week so on XX/XX/XXXX I go to pull off cash from local US bank atm without any notice to later call in to relia card holder se Services and to find out that my card had been put on a freeze for this reason I have no idea But to find out that all I would need to unlock the freeze would be my copy of my social security card valid ID copy proof of address faxs docs over to Fax numberXXXXThey told me to label it XXXX investigation ID verificationTo me the same kind of strange because a couple weeks later while I talked to one of the supervisors she sent me a link saying to send A selfie with my ID It seems strange and out of the ordinary So when I did the send the faxes because the other alternative was fishy i desperately needed my card unlocked because my family as I stated in the sentences before rely solely on the fund sSo I ended up having to order a new social security because I have misplaced mine at the time And when I had talk to the supervisor I didn't get her name which I regret not asking for it but when I talked to her she had stated and got it verified with her fellow employees or higher ups that my piece of paper from the social security office with stating my social security number on it would be verification good enough as equivalent to a social security card which I had misplaced at the time.That it would be valid for the facts for them to unlock my cardWhile waiting to receive the card in the mail or the paper as soon as I got it I faxed it off on XX/XX/XXXX I got the fax out with again no warning or notification I had to call back and when I did I found out that the paper that they said was valid enough to work wasn't gon na work so the following Saturday on the XXXX of XX/XX/2020 I ended up calling in to talk to a supervisor buy the name of XXXX Being persistent in arguing with me on information that I felt that I have a right to kno wear my personal information was going and what organisation was going to besides the XXXX because each and evey time i call in to get an update of status of unlock i would get different answers to same question luckilys some would say its a dispute some would say its a audit and i might not even get my governmental funding in my name for me back that there no Guarantee But luckily with finding my social security so I ended up faxing all the right and proper documents including some extras To verified that I was who I was saying I am with dealing with very unprofessional card services agent calls with a lot of misleading information on contacting or requesting a supervisor at times and even challenging me on why I would like to speak with a supervisor and even stooping as low as hanging up the phone intentionally in my perspective there was one supervisor that Was really rude telling me things like that she's the top dog and she knows everything that I was requested to ask but wasn't fulfilling my questions about where's my information who has my information when will it be done when is this card gon na be unlocked etc. Her name XXXX she should not be in a supervisor position acting very rude unhelpful and stand offish also hanging up as well I find It's very strange that when I request or ask for a supervisor it take super long to even get ahold of them and sometimes in the process of getting hold of them the call either gets lost or get hung up on but I find it very strange even when I talk to a supervisor when I ask for a manager someone above them they can not connect me to or this FI see people whoever they are they have no ways of communicating to them About the progress of my report to see but to see if it's been a fax read Etc what all of this said to the best of my abilities in all honesty and truth With most respect I hope Truly and honestly that something can be done about the way these people act how they talk to their consumers it is very unprofessional in a timely matter being that were in the middle of a pandemic and we rely on those funds Well a lot of us Americans rely on those funds and there are withholding it Like I said I sent them all the correct documentation every time I call they give me different answers on length of time they told me it was gon na take 3 days then they told me it was going to take 4 days up to 5 days then they told me it could take up to 9 days man when is it when is it going to stop my families on the verge and we are in a car a crunch of financial crisis in the middle of a pandemic dealing with uncooperative and XXXX XXXX XXXX members that have no remorse or care for the consumers in my opinion this business has no way of showing any Gratitude to its consumers at the end of the day if you ask me I think this needs to be investigated with scope speculation it seems fishy in a lot of ways out of the Normality on how a proper business should run i have spoken to a few people as well going through the same Scenarios which I just above explained now in my opinion And I really don't know too much about laws and consumer rights etc but if you ask me I feel very violated unappreciated As a consumer to rely card customer services and I will never ever be using anything related to US Bank Because of this situation like I've stated before I feel like my rights have been violated And I hope that you guys can sincerely investigate this thoroughly and get to the bottom of this and get this whole situation fixed thank you guys appreciate your time | ||||||
| 04/26/2022 | Yes |
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| On XX/XX/XXXX I sent XXXX a letter disputing the US Bank Home mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through US Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through US bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are 15 payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of US Bank and XXXX on XX/XX/XXXX and did not receive a response. I let the account sit because there was no where else for me to turn. Nothing had been done to correct this account, even with proof. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into XXXX today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as US Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen. I received a letter from US bank dated XX/XX/XXXX. Below is the response I sent back to US bank still showing inconsistencies in their reporting and the credit bureaus reporting. In the letter I received from XXXX XXXX dated XX/XX/XXXX from US Bank, there are quite a few inconsistencies that still remain between this letter and the credit bureau reporting. In paragraph 3 you stated " We confirmed the original date of delinquency was XX/XX/XXXX. However, please know that the payment history from XXXX is no longer being reported to the credit reporting agencies ''. This is incorrect. I pulled my credit reports in the month of XXXX and this account is reflecting on both XXXX and XXXX. As of the XXXX report pulled on XX/XX/XXXX and the XXXX report pulled on XX/XX/XXXX, both credit bureaus are reporting the payment history from XXXX. Both of these show the original date of delinquency as XX/XX/XXXX, which is correct. In paragraph 4 you stated " A modification was completed on the account in XXXX, with the first modified payment due on XX/XX/XXXX, per the enclosed Final Modification Agreement. Completion of the modification resulted in the account reflecting as current on the reporting that went out on XX/XX/XXXX. This report reflected the status for the month of XX/XX/XXXX ''. This is also incorrect. Both XXXX and XXXX are reporting 120 days late for the month of XX/XX/XXXX. I did agree to a modification agreement, however, that does not mean that it is a new loan and/or the payment history previous to that agreement disappears. In paragraph 5, you stated " However, the XX/XX/XXXX installment was not received timely, resulting in a XXXX delinquency being reported with the XX/XX/XXXX credit reporting for the month of XX/XX/XXXX ''. This again is also incorrect. My XXXX report from XX/XX/XXXX shows that my XX/XX/XXXX payment was on time. There is no payment history listed on my XXXX report from XX/XX/XXXX for the month of XX/XX/XXXX. In paragraph 5, you also stated " This is the date now reflecting on your credit report as the first date of delinquency ''. A loan modification does not change the previous payment history. While it does change the original terms, it does not create an entire new loan. The original date does not change or get wiped away. The first date of delinquency does not change as it is based on the original loan contract. The first date of delinquency is defined as 'the month and year of the commencement of the delinquency that preceded the reporting of an account to a consumer reporting agency as set forth in Section 623 ( a ) ( 5 ) of the FCRA '. I received another letter from US Bank dated XX/XX/XXXX. This is my response which shows the inconsistencies still remain. In paragraph three it states " The date of first deliquency is based on the date the account first becomes deliquent leading to a default status ''. This date is XX/XX/XXXX. In paragraph four, it is stated we are no longer contractually reporting date from our systems from XXXX to the credit reporting agencies due to the account being in a close status. However, information from XXXX is being shown on both XXXX and XXXX as of XX/XX/XXXX credit reports. In paragraph 5 it states the account did report current for XX/XX/XXXX due to the completion of the modification, and the account was due for the XX/XX/XXXX payment. However, the XX/XX/XXXX installment was not received timely, resulting in a XXXX delinquency being reported with the XX/XX/XXXX credit reporting for the month of XX/XX/XXXX. On my XXXX credit report as of XX/XX/XXXX it is still reporting ok. There are still multiple errors being reported on my account. The XX/XX/XXXX letter from US bank states the original date of delinquency is XX/XX/XXXX. The letter from XX/XX/XXXX, the XXXX payment should show as delinquent but it does not do that. From XX/XX/XXXX to XX/XX/XXXX, every single payment shows as delinquent so therefore the original date of delinquency still stands. My account has had errors for years. | ||||||
| 01/17/2022 | Yes |
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Web | Servicemember |
| This is my second complaint against US Bank regarding the HELOC loan I took out in XXXX. After further investigating the issue I believe US Bank has participated in predatory lending that must be thoroughly investigated. Types of predatory behavior used are as follows : XXXX ) Truncated Credit Life and Disability w/o full disclosure to the Borrower. I worked through a real estate broker that dealt directly with the bank. I was told I had to agree to the terms " as is ''. Apparently, the premium " XXXX '' I paid expired in XXXX. This did not help when I transitioned out of the military in XX/XX/XXXX and was unemployed for two months. I was charged unreasonable late fees and could not take advantage of the any of the credit options I had purchased. Interesting US Bank offered " Life and Disability '' for people in their twenties but not insurance in case of unemployment. In addition, the total credit amount charged was {$4300.00} which is unreasonably high for a $ XXXX loan. XXXX ) Equity Skimming- There was no equity in my home when I took the " equity '' loan from US Bank. I took the first mortgage the same month from BoA that I took out my HELOC loan with US Bank. Again, due to my busy schedule I trusted the real estate broker and bank to do the right thing. XXXX ) Incorrect Assignment of Loan Type - When I look closely at the original loan document it is categorized as " Other ''. It appears to be more of a debt consolidation personal loan... not a HELOC. The Loan from US Bank paid off $ XXXX in credit card debt and a $ XXXX construction loan I took from BoA. Why was it even categorized as a HELOC? XXXX ) Escrow Advances - In XXXX US Bank opened an " Escrow Account '' eleven years after the loan was taken out. I called them multiple times to explain that my insurance and taxes were paid from my first XXXX and to remove the escrow account all together. Escrow advances leave the Borrower with a large sum to pay at closing. I currently have {$68.00} remaining to pay on my loan. US Bank has informed me that I owe them {$4700.00} for escrow advances taken on my " behalf ''. The Frank and Dodd act of XXXX only requires banks to take out escrow on the first liens for up to five years. The consumer has the right to close escrow accounts at any time with no explanation. XXXX ) Homeowners insurance was higher than the value of the home or the HELOC Loan - US Bank was the only party that was protected the premium insurance taken out on " my behalf ''. My property is worth $ XXXX. US Bank took out Homeowners insurance in the amount of $ XXXX or higher for approximately {$1100.00} per year. My loan with US Bank at the time they took out a lender forced policy was $ XXXX. Last year my loan amount was $ XXXX. If XXXX Bank were allowed to take out insurance to protect their interests, they should have only covered the remainder amount of the Loan to keep the " premiums '' lower for the consumer. Based on my research HELOC loans can not charge for insurance above the current amount due on the loan. XXXX ) Charging for homeowner 's insurance for twice in XXXX - After speaking to representatives I was informed US Bank charged 12-month insurance premiums once in XXXX and again in XXXX. I don't even know how this can happen. For the year XXXX, XXXX Bank charge {$2400.00} in homeowner 's insurance. This is on the XXXX. XXXX ) Discrepancy in documents - Premiums on the insurance declaration pages do not match the XXXX and XXXX XXXX. XXXX ) Asset Based Lending - The Lender required the loan be protected by my property. XXXX ) Unreasonable charges and additional fees without proper disclosure - The HELOC loan was for $ XXXX but the lender charged $ XXXX for Credit fees, $ XXXX in interest, and $ XXXX in Escrow advances. XXXX ) Lack of Transparency - There are no XXXX for XXXX, XXXX, and XXXX available to me to show the true amount taken. I have requested all documents from US Bank. XXXX ) Duplicate insurance - BoA and US Bank used the same insurance company, XXXX XXXX XXXX for the following years : XXXX, XXXX, and XXXX. I was told I could not correspond with the insurance company and that US Bank would not reach out to advocate for the consumer. XXXX ) Incorrect Credit Reporting - US Bank has been notorious for incorrect credit reporting. Loan type, balance, etc .... I have {$68.00} remaining on my $ XXXX loan. My credit report includes the " escrow advances '' XXXX Bank is fraudulently charging me. XXXX ) Reassignment of Loan Number - At some point during the life of the loan, likely after XXXX US Bank reassigned the Loan as a " First Lien '' and provided a new loan number. This was never explained to me and was an error with US Bank 's system and processes. XXXX ) Refusal to refund - US Bank Representative stated if I furnished insurance documents from my first mortgage lender they would credit my account for homeowner 's insurance taken in XXXX, XXXX, and XXXX. In XXXX they did refund me for a disbursement in the amount of {$1100.00} after I called to explain the situation. XXXX Bank reps continuously say they did not do this even though I have evidence of the refund / credit. I have no idea what numbers add up to the {$4700.00} dollars they say I owe them. XXXX ) XXXX Bank will not let me pay the {$68.00} to close my loan. XXXX ) Original loan documents are unsigned. It appears US Bank is going above and beyond to steal people 's property through predatory lending practices. They are like vultures swarming around live meat. It is fair enough they received a relatively large amount of profit in interest payments on the loan I took in XXXX. They should get their talons out of my back and other consumers and start playing a fair game or be penalized by Federal Reserve and CFPB. At the very minimum thoroughly audited. | ||||||
| 06/09/2022 | Yes |
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| XX/XX/2022 I deposited a check from the IRS into my US bank account. The bank teller XXXX placed the check on an extended hold until XX/XX/2022. On XX/XX/2022 US bank placed a hold on my account because of suspicious activity. My husband and I contacted e-Fraud and spoke to XXXX, who was the XXXX reviewing our account. She told us we needed to visit a branch in person to get assistance and verify my identity because according to her, I said my birthday incorrectly and did not correctly identify myself over the phone. So we visited a branch where we sought the assistance of XXXX, the branch XXXX and contacted XXXX to speak to XXXX again to prove that I am who I said I am over phone. With e-Fraus on the phone We verified ALL the activity that US bank assumed was suspicious which included a failed XXXX transaction attempt, previous incoming deposits from my father XXXX XXXX, and several XXXX transactions which were reversed by XXXX causing it to appear as though funds were being deposited when they were only be credited back to the account. It seemed as though US bank was looking for any reason to freeze the account, which it has demonstrated. On XX/XX/2022 we received a letter from US bank that our account was going to be closed due to its incorrect determination and assumption of suspicious activity within the account. Since then we have been trying to schedule a meeting with XXXX XXXX, the branch manager of the XXXX XXXX branch in XXXX XXXX, which is our home branch. We scheduled a total of XXXX appointments with XXXX XXXX and called the branch as well as customer service a total of XXXX times, while the branch failed to answer a single call, each call with US bank customer service was recorded by us as evidence for any current or future action ( s ) to be taken by my husband and I against US bank for its misconduct and mistreatment. US bank still has not issued our balance of {$120000.00} although it stated in its correspondence that it would remit our balance to us in XXXX business days after XX/XX/2022. After further attempts to receive our money we spoke to the XXXX XXXX, district XXXX who told my husband and I that US bank was holding the funds in the account because it does not believe that a check which was deposited on XX/XX/2022 in the amount of {$130000.00} would not be paid when in fact US bank has already received payment for the check which was deposited as it was a check directly from the IRS, a treasury check, fully verifiable. Several customer service representatives that we spoke to confirmed that US bank had already received payment for the check, which is why it did not return, these statements were captured by my husband and I on a recorded phone line. US bank still refuses to allow the branch manager to payout our account via cashier 's check nor fully close the account despite its own letter stating it intended to do so, and issue our balance. US bank is literally withholding all our money from us intentionally and maliciously. We have entered into extreme financial hardship as a result. Due to the harm inflicted upon us by US bank we have become homeless, having lost our home, and continue to suffer because US bank thinks the check that has already been cleared and paid to US bank will return, however as US bank well knows the funds from the treasury check which was deposited on XX/XX/2022 was from the IRS and can easily be verified through treasury resources and systems furnished by the IRS, or simply by calling the Internal Revenue Service and confirming the check via the check number, amount, and payee ( s ). My husband and I have not requested the IRS to cancel the check and issue us a new one, nor have we filed Form XXXX ( opening an inquiry into the tax return we have not received ) simply because we have already received our tax returned and deposited it into US bank. US bank has financially crippled our family for about a month now and has shown no signs of relenting, moreover it is waiting for a valid check to return which based on how financial instruments work, would've already returned by now if it weren't valid., simply put US bank is looking for any reason to withhold paying us our remaining balance and will try to justify it by any means necessary. It does not care about the harm it is causing us directly from its actions, it using words such as " inconvenience '' and " frustration '' to pretend it is not destroying what is left of my family which would otherwise be well had we not trusted our money and business with US bank which has ironically turned out to be the one conducting suspicious activities. US bank says that it protecting the interests of its customers as well as itself but clearly based on all the actions that have taken place by US bank it truly has no interest in protecting its customers rather it prefers to inflict unforgivable and major harm upon those who have placed every XXXX of their money into a US bank account. US bank is a common criminal for what it has done and still continues to do. We are entitled the money that we put into US bank. The funds which US bank believes will return will never return as the check is valid and can be verified, therefore it can be assumed that US bank will continue to withhold our money until either we contact the IRS and request them to issue a new check, which will cause that check we deposited to US bank to return thereby justifying US bank 's false claims and accusations or it can be assumed that US bank will wait the maximum legal time allowed before they will issue our full balance, after which time we may be unable to collect them. We deposited the check into the XXXX branch because it was closer, we did not purposely avoid depositing the check into our home branch, as we did not know the concept of a home branch. | ||||||
| 02/29/2020 | Yes |
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| On XX/XX/XXXX I made a purchase from a Website that I had a free membership account with where you could purchase Physical DVD 's and Stream and/or Download Movies. I Purchased 2 DVD 's that with tax added up to -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$31.00} I also purchased an Online Movie and a Online w/Download Movie adding up to -- -- -- -- {$24.00} Originally I had also ordered a Third DVD that came to -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$18.00} Which would have brought the Total to -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$75.00} Because of a Computer Glitch my Bank mistakenly reported this as a Fraudenlent Charge and contacted me the next Day. Their Computer had Two entries in My Pending transactions. One for the Total Charge of {$75.00} and One for the Total of 2 DVD 's plus Tax of {$31.00}. I Clearly told them that the Total charge of {$75.00} was correct, but that the extra Charge of {$31.00} was Not. Because of their Computer Error, it also appeared to me that the Website ( Which I had never had any previous problems with, after Years of Membership ) had overcharged me. So, at the suggestion of my Bank I reported the charge as Fraudelent. They also sent me a new Credit Card and Canceled my old Card Eventually the Website realized that the Third DVD was unavailable due to it being backordered and were unable to provide it to me at that time so they deleted it from my order. They had shipped my 2 DVD 's in a timely manner and had added my 2 Online Movies to my Free Account which I could access at anytime with my E-Mail/Username and Secure Password. Because of the Delay of the Backordered then Deleted DVD from my account they did not charge my Card/Checking Account until XX/XX/XXXX 2 DVD 's with tax -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$31.00} which the site then charged a Usual/Nominal International Processing Fee of -- -- -- -- -- -- - {$0.00} Online Movie and a Online w/Download Movie -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$24.00} which the site then charged a Usual/Nominal International Processing Fee of -- -- -- -- -- -- -- XXXX Not having realized their mistake my Bank Denied the Charges on the same date XX/XX/XXXX Refunding the above charges identically. After several E-mails back and forth with the Website I assured them I would clear this up with my Bank. They made it clear that my Free Account with them with which I could access the Many Online Movies I had purchased in the past was susspended until I could get this cleared up with my Bank, it being Their ( The Bank 's ) original Mistake. I made several calls back and forth with my Bank 's Fraud Protection Line and their Customer Service Lines, which are Two Seperate Departments that do not appear to Communicate with each other at all. Each Call I had to make with my Bank, I had to tell this story ALL over again, with a Brand New Person. Even within the Customer Service Department I had to Repeat Myself Again and again. Eventually either on XX/XX/XXXX or XX/XX/XXXX I Called the Customer Service Line of My Bank and went through the whole story again, and asked if it was correct that I should call my Website 's company directly and give them my New Credit Card Information over the phone, so they could be paid for the services they fulfilled a month prior, OR would they be paid by the Bank when they reversed the Mistaken Fraud Charge on my Original Credit Card that my Bank had Mistakenly Canceled For No Reason. They said YES when I suggested the Idea of Calling the Company and giving them my New Credit Card information. Sure enough I was promptly charged TWICE for the same services. Once for {$56.00} and a Processing fee of {$1.00} on XX/XX/XXXX AND a " Forced Post Ach Withdrawl Adjustment '' for {$31.00} and {$24.00} on XX/XX/XXXX {$31.00} and {$24.00} add up to {$56.00}, I don't know why my Bank didn't include the Processing fees, I guess they just kept that money for some reason. Another of their many Mistakes. I called Customer Services and the Fraud Protection Lines. Fraud Protection told me that the Claim was " Closed '' so they couldn't Reopen it for some reason, and that my only recourse was to file a New Claim of a " Duplicate Charge '' with the Customer Servive Line. Which I promptly did. I informed Customer Service I was on a Fixed Income as I am On XXXX and I also had Timed Withdrawls for Bills Due out of my Account that Would be covered had they not Overdrawn my account with their mistake. They assured me they were on top of it. They were not, But when Overdraft fees Were drawn out of my account they were imediately refunded by my Bank and eventually they did correct their mistake and Refunded my charge on my New Credit Card of {$56.00} and the Processing Fee of {$1.00}. Apparently, my Bank wanted to keep the original processing Fee, which I assume they still have. I considered the matter closed until I recently on XX/XX/XXXX i went on my Bank Account Website to balance my checkbook and I noticed a suprising and shocking Negative balance. My Account was Overdrawn because out of nowhere and with No notice from my bank, no E-mails, no Phone Calls, Nothing ... I noticed the following charges on my account. Dated XX/XX/XXXX " Forced Post Ach Withdrawal Adjustment '' for {$56.00} and {$1.00} I have notified them that this is an error and as usual they have told me to Call them where I will have to relay this to yet Another individual who has not communicated with anyone else in the company and has No access to any of my information which I have relayed about Ten times now. | ||||||
| 02/24/2021 | Yes |
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| Been with US BANK for 5 yrs plus and always had my account on autopay so I would not have to worry about having late payments or any other problems with any of my accounts. In XXXX of 2020 COVID 19 pandemic hit, the United States decided to shut down for two months to slow down the virus. Due to the shutdown A lot of businesses shut down and the flow of money stoped, A lot of people did not know which direction we were headed in as far as money to feed families or how to pay bills. As far as myself I took it in consideration to take all my accounts off auto pay due to pandemic. During pandemic shutdown you can tell that a lot of creditors adapted to the peoples reaction, to the way people were paying accounts or bills. They put into action a systematic way to handle the great amount of people reacting in a certain way due to pandemic ( payments ). Im reaching out due to the fact of pandemic that after the two months pass and United States opened up, I put all my accounts back into autopay ( 15+accts ). As I go about my days, about a month later I received a phone call from US Bank stating I missed a payment as I speaking to rep I say thats odd because I put all my accounts on auto pay, I told them that there probably was a mistake and if I can have late payment Took it off, they waved it and I put auto pay on though website. Let me note that I been dealing with my credit for 10 years plus and Im on it due to the fact that I have goals in life which involve credit so Im pretty good at payment history and have apps that I pay to Monitor and view credit, I can say, pull my credit before this incident and I only have one miss payment throughout my 10 yrs plus and the miss payment is from the beginning of my credit years. So two months pass and I get a phone call from US Bank stating that I am two months behind of no payment I explain to them how could this be accurate due to the last call that I received, which I fixed problem and Resolved issue and put my account back on auto pay they stated that this information was incorrect as far as payment being received, I explain to them very well about the situation and stated to them that why would I continue to disrupt my credit and if there was anyway to resolve and fix this problem, the customer service rep advise me to take it up with the credit bureau because it was not in his Authority to act on this particular issue. And there was nothing he could do about the miss payment we went back and forth with the situation coming to a conclusion that We can not do nothing about the situation even after I spoke to a supervisor which stated the same thing the customer service stated. I also implied that why did they go pass so many days without informing me or sending me letters to my address or my email which I asked them what email they have on file and it was the wrong email I wanted to state that I also asked him to put it into the computer as a note. Again I went to auto pay and applied my bank information just so my account could be updated. About a month later I got a notification on my XXXX credit stating that my score had dropped 60 points at this moment my feelings are involved and I was very upset due to the fact Ive been working on my credit for many years and its hard to gain credit but easy to lose points which we work so hard for. So I contacted the credit bureau and explained the situation they advised me to write a dispute under website and send it in. With this information I then went to the Internet and looked up forms on my situation. I then took it into consideration that I should pay somebody that specializes in credit which I did and they disputed it in their own manner which the outcome was not very well due to the fact that they have so many customers and they dont look at mine like if it was their own. I am now going into action On my own to really look into the situation and trying to resolve it, ive contacted US Bank and spoke with another supervisor which got me nowhere because she keeps stating with me that the information on the computer states what it states and therefore it is what it is. Frustrated with the situation I asked her if there was anybody else I could talk to because I look at it like if it was a local bank within the community looking at your best interest and knowing the customer that you would have this Bond and the issue would be resolved the very first time and even if the first time wasnt resolved Im pretty sure the second time certainly with no doubt be no problem and the situation will get taken care of. At this point I feel like US Bank does not take each customer lightly as a person of a community. I hope you understand that Ive been working on my credit for many many years because I have goals in my life and US Bank has disrupted my credit 60 points which devastates me and I dont think that I am being viewed as a customer and no one is hearing my situation out properly. Im trying my best to resolve this issue and have this late payment disputed off my credit so I could go back to normal, I am going through the steps Im trying to reach out to you to resolve this issue I hope you gather all my information and look at the big Picture and see the facts That I provided and you can go and research the facts and see That I am not lying about my payment History please take this into consideration. US Bank does not have headquarters nor banks in communities which they can relate and bond with the community and understand Situations and move forward With happy customers On a personal level I feel like their corporate and dont wan na resolve the issue because customer service reps have to go by the book. Typical bank standard issues which I think the government should help people resolve this issue is with banks | ||||||
| 10/26/2023 | Yes |
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Web | Servicemember |
| Bank regarding an illegal transaction Dear Sir/Madam, I am writing to bring to your attention a highly distressing matter involving a series of deceitful actions by " XXXX XXXX, '' its proprietor XXXX XXXX XXXX XXXX and the lack of assistance from US Bank in resolving this issue. I believe that it is of utmost importance to report these actions to the appropriate authorities and seek your intervention. My ordeal began when I came across " XXXX XXXX '' online, where they were promoting turnkey investment opportunities in the real estate market. I had an initial conversation with XXXX XXXX XXXX, who represented himself as the leader of the company with a dedicated team to handle transactions. Unfortunately, it later came to light that XXXX XXXX operated alone, and this was just the beginning of a series of deceptive practices. XXXX XXXX persuaded me to enter into a contract promising to assist in acquiring XXXX for a payment of {$10000.00}, along with an offer for project management services at an additional 15 % of monthly revenue. He assured me that the state of Georgia had no regulations against XXXX or subleasing. However, these assurances turned out to be inaccurate and misleading. When I applied for an apartment through XXXX XXXX 's guidance, he advised me to falsify my rental history by claiming that I had been residing in one of his Georgia apartments since XXXX. This misinformation was exposed during the background check, leading me to cancel the apartment application due to the misrepresentation. Despite my initial reservations, XXXX XXXX convinced me to give him another opportunity. He claimed to have identified a real estate company that permitted subleasing, and I proceeded with the application process. I received approval based on my credit, but upon carefully reviewing the lease agreement, I discovered that subleasing was explicitly prohibited. Realizing that this was not a viable path forward, I promptly informed the realtor of my decision to withdraw. When I attempted to contact XXXX XXXX to discuss this situation further, he became unresponsive for an entire day. Feeling deceived and misled, I canceled the contract and requested a refund of the {$3.00} I had paid. Initially, he agreed to refund the money, but he later claimed to have used it to purchase furniture without my consent. As I insisted on a refund, XXXX XXXX continued to pressure me and even went so far as to block my phone number when I set a deadline for resolution. Disturbed by the ongoing situation, I reported the matter to the local police and contacted XXXX XXXX 's supposed employer, XXXX XXXX XXXX, who confirmed his fraudulent activities under their name. To exacerbate the situation, US Bank, where the initial payment of {$3.00} was made, has proven to be of no assistance in resolving this matter. Despite my attempts to seek help and address the fraudulent transaction, US Bank has displayed a lack of responsiveness and failure to take appropriate action to protect its customers.. Sincerely, XXXX XXXX Here you will find my letter to the US Bank To : U.S Bank XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Subject : Dispute of Unauthorized Transaction and Fraudulent Activity Dear Sir/Madam, I am writing to dispute an unauthorized transaction on my account, which I believe stems from fraudulent activity. The situation revolves around my dealings with a company called " XXXX XXXX '' and its owner, XXXX XXXX. Initially, I found " XXXX XXXX '' online, advertising turnkey investment opportunities. I spoke with XXXX XXXX, who claimed to be running the company with a team to handle transactions. However, I later discovered that he operated alone, and this was just the beginning of a series of deceitful actions. XXXX urged me to read a contract promising to help acquire BnBs for {$10000.00} and offered project management services for an additional 15 % of monthly revenue. He assured me that the state of Georgia had no regulations against XXXX or subleasing. When I applied for an apartment, XXXX advised me to falsify my rental history, stating I had lived in XXXX of his Georgia apartments since XXXX. However, the background check revealed the lie, and I decided to cancel the application. Despite my initial reservations, XXXX convinced me to give him another chance. He claimed to have found a real estate company that allowed subleasing. I proceeded with the application process and got approved credit-wise. But upon reading the lease agreement, I discovered that subleasing was explicitly prohibited. Realizing this was not the right path, I informed the realtor of my decision. When I tried to contact XXXX, he was unreachable for the entire day. Feeling deceived and misled, I canceled the contract and requested a refund. Initially, he agreed to refund the money, but later claimed to have used it to purchase furniture without my consent. As I insisted on a refund, XXXX continued to pressure me and blocked my phone number when I set a deadline for resolution. Disturbed by the situation, I reported the matter to the police and XXXX 's supposed employer, XXXX XXXX XXXX, who confirmed his fraudulent activities under their name. I believe the unauthorized transaction on my account is directly tied to the deceptive practices of " XXXX XXXX '' and XXXX XXXX. Therefore, I kindly request your assistance in investigating and reversing the transaction promptly. Additionally, I seek measures to protect my account from potential fraudulent activities in the future. I have attached relevant documents to support my claim and am willing to provide any further information necessary to resolve this matter. I appreciate your attention to this serious issue and anticipate a prompt and fair resolution. Sincerely, XXXX XXXX | ||||||
| 08/03/2018 | Yes |
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| This narrative begins with the experiences of my husband using an account of which I am a joint owner. I am filing this complaint on behalf of both of us as account holders. My husband attempted to send {$2000.00} to his sister using the USBANK mobile banking app on XX/XX/18. He tried twice, and each time got a message that said, " unable to complete transaction at this time. '' He then decided to use a different app to send the {$2000.00}, and it went through shortly. The following day, XX/XX/2018, my husband received an email from USBANK notifying him that there was a pending transfer of {$2000.00} from his account, and to make sure that he had sufficient funds before it was processed on XX/XX/18. Upon receiving this email in the morning, my husband walked to the nearest branch ( XXXXXXXX XXXX XXXX in XXXX, Nebraska ) during one of his breaks from his job. When he spoke with a banker, she was very dismissive and treated him as if he were the one who had made the mistake. After explaining and re-explaining what had happened, she assured him that the transaction would probably not go through. If it did, she said he was to go see her the following day. On the morning of XX/XX/18, the funds were placed on hold as a pending transfer. This caused my husband 's available balance to drop to about a negative {$990.00}. He went back to the nearest branch ( XXXX XXXX XXXX ) around XXXX that day and asked to speak to the same banker he spoke with the day before. The teller told him that she would be unavailable until XXXX and said that he could either wait, or she could see if she could help. He then explained the whole story to her, and all she did was message the banker from the previous day. She then offered to have him speak to a different available banker. He then spoke to a second banker. This banker listened to his story, grabbed a business card, circled the national customer service hotline, and handed it to him. She said that because this was a problem with mobile banking there would be nothing that they could do. At this point, we begin to wonder why we were not told this in the first place. After several transfers and 20 minutes on the phone, my husband was told that one of three things could happen. The transaction might not be allowed to process as it would put him so far in the red, the transaction would process ( in which point we would need to get his sister to send the money back to us ), OR the money could go through without the sister receiving it, in which case we would need to file a dispute. A dispute could take 10-15 business days to process. My husband explained the events to me on the afternoon of XX/XX/18 and expressed his concern that he was not being taken seriously. The dismissiveness and lack of help that he experienced at the local branch had an air of poor customer service at best, and racial discrimination at worst. The employees acted as if they did not believe him, and that the matter was not at all urgent and deserving of a prompt solution. As for the customer service hotline, the ambiguity of what would happen as a result of the bank 's error was unacceptable. At this point, I called the customer service hotline, still on the afternoon of XX/XX/18. I spoke with a representative who was very compassionate, understanding, and willing to help. She helped me to file a complaint with the manager of the local branch, and then proceeded to navigate the hotline on my behalf and speak to someone with mobile banking. She called back and explained to me that they told her the same thing that they had told me, but that the employee she spoke to was relatively sure that the transaction would be stopped because of insufficient funds. If it did go through ( which again, was supposed to be highly unlikely ) then we would have my sister-in-law send us the money back, and USBANK would remove any overdraft fees. Now, on the morning of XX/XX/18, the transaction has officially gone through on our end ( along with other normal pending charges ) leaving us with a balance of about negative {$1100.00} in this account. Unfortunately, the USBANK online system is currently unavailable, so I am unable to access the exact dollar amount at this moment. My sister-in-law has not received the {$2000.00}, nor does she have it listed as pending anywhere in her account. When looking through recent transfers and/or payments on his mobile app, no record of any such transfer of {$2000.00} appears as pending or recent. In summary, we attempted to transfer money using the USBANK mobile app, and received a message that said it was unable to process. The transfer then went through the following day, even though it said that it was unable to process. By this time, we no longer had the funds in our account because we had sent the money using a different method. When my husband attempted to get help from the nearest branch, he was treated like a second-class citizen and his concerns were quickly dismissed. The customer service hotline was unable to help other than reassuring us that we would most likely not have to worry about the transaction going through. Now, we are missing {$2000.00}, being charged overdraft fees, and within a few days will be unable to cover living expenses. This is problematic in that a dispute ( which was what we were told we would need to file ) can take up to 15 business days. A national bank with an annual net income of {$6.00} XXXX made a mistake that is causing us financial hardship, and is unwilling to correct it in a timely manner though it could easily do so. I also am under the impression that nothing will be done to compensate us for the unnecessary stress, time and money lost, and inconvenience that was caused by a bank error. This is unacceptable. | ||||||
| 12/08/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX. This information does not relate XXXX any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. US BANK bal. {$18000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 | ||||||
| 02/07/2022 | Yes |
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| Dear Sir or Madam, 1. ELAN FIN SVC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/2021. I immediately disputed this information with ELAN FIN SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX | ||||||
| 01/04/2022 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .US BANK bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 | ||||||
| 10/23/2017 | Yes |
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| On Wednesday, XX/XX/XXXX, my XXXX year old son made a deposit through the ATM at the XXXX, MN US Bank branch. This is a joint checking account with my son and myself. The check was for {$77.00} and the auto scan at the ATM read the check as {$770.00}. My son did not catch the error. This part is we acknowledge our error. By that evening, his card was denied. He tried calling the customer service, was told the account was frozen and that we would have to call in the morning. I tried helping by talking with customer service and they said there was nothing they could do and that I would need to call in the morning. In the morning, we drove to our closest branch in XXXX, MN. The personal banker made some phone calls and they replied that we would have to go to the XXXX XXXX, MN branch where we opened the account. I politely insisted that as a customer with a national bank that we should be able to receive service at any location. The banker then through multiple calls reached the branch manager at XXXX XXXX. They looked at the transaction, our account history at a XXXX year customer, and the branch manager agreed to remove the hold on the account signing off. It was explained to us that it would require the branch managers signature to approve. The banker then helped to set up a new debit card for my son. The account worked most of this week until the account was again declined on Friday, XX/XX/XXXX. I went again with my son the morning of XX/XX/XXXX to the XXXX branch. The manager was professional, had an awareness of our initial issue, pulled up the recent transaction history, apologized to us and signed off assuring us that the bank made an error. For a second time, he helped my son to again set up a new debit card. He verified everything was working before my son left. The next week, this happened again while I was out of town and my spouse went to the XXXX XXXX branch. Same routine with apologies, the manager working with systems to reactivate the account. Then I was on a vacation with my son on the week of XX/XX/XXXX. Upon returning home, my son tried checking his online banking on XX/XX/XXXX and there was no record of him having an account. As the second person on his account, I also tried verifying and the account was no longer listed within my accounts. I called and left a message with the personal banker at the XXXX XXXX, MN branch. She called me back that afternoon to inform me that the account was closed, a check was mailed, and there was nothing else further she could do. We received not only the check on XX/XX/XXXX, but a letter that said that based on our management of the account, we were reported to XXXX. All of this was a result that began as an auto-scan error at the XXXX ATM. My son carried enough balance that this did not compound any other problems, and all of my banking relationships were with US Bank with enough between our checking and savings. I returned to the bank on Wednesday, XXXX XXXX and spoke with the Sales and Service Manager. He was well aware of the series of events, he said that he understood our frustrations, and explained the go around from this series of events would be to open a new account. Due to the treatment we had received, we began the process of moving all of our accounts. The one thing we asked was for the bank to own up to the numerous mistakes and to remove the XXXX filing and we would just move one. I received a call back that they needed me to file the complaint and if needed, at this point, they would write the complaint and I would need to sign. After three assurances of branch managers overriding, saying it was fixed, apologies, etc ..., I wrote a complaint on XX/XX/XXXX and copied each level of management up to the CEO of US Bank. I received a response form the regional manager by phone call from the regional manager on XX/XX/XXXX. He apologized for the series of events and explained that it was the result of the branch managers not completing a final step of the override process on their computer system. He was professional, asked if we would consider reopening, or the idea of coming back to the bank at some point, but also was understanding of our frustration. He apologized for the XXXX filing and said that this would be taken care of and that he would follow up when he had final confirmation. Imagine my consternation when receiving a letter dated XX/XX/XXXX on XX/XX/XXXX rejecting our dispute defending their actions as accurate. I placed a call again on XX/XX/XXXX to the regional manager leaving him a message. He called me back later that day assuring me that he was sorry to the point he said that he was frustrated to the point he had to walk away from the phone because he could n't believe it either. I emailed him copies of the letter and he assured me that this would be fixed and he would provide us with something in writing for our records when he had it completely resolved. Since this point, I have tired following up with emails to the regional manager on XX/XX/XXXX with his reply that he is making progress on XX/XX/XXXX. On XX/XX/XXXX I sent another email and to date have heard nothing more from US Bank. As you can see, we have tried multiple times to resolve this with the bank. My son 's made a mistake in the initial transaction where he would have had to confirm the amount of the deposit. It was an honest mistake acknowledged in every part of this process. My relationship with the bank has been since XX/XX/XXXX. Regardless, the branch managers three times assured us of their mistake, that they approved the reopening of the account. Twice, the regional manager has apologized, explained that the branch managers erred in missing the final step in the override process on the systems. | ||||||
| 02/05/2023 | Yes |
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| I ordered a canner / pressure-cooker from " XXXX XXXX '' at XXXXXXXX on XX/XX/XXXX for {$510.00} total because it had a nice website and looked legit. They said online checkout wasn't working in their " chat help '' and said they would call me to take the order - would then send the invoice to my email and I would pay be XXXX using credit card. I was told the sooner I paid, the order would clear for delivery within 24 hours and I would receive tracking details. I was in a hurry for XXXX so paid quickly by invoice with credit card branded by XXXX XXXX but issued by Elan Financial Services. By early XXXX I hadn't heard anything and was worried - " XXXX XXXX '' wasn't answering the phone number I had originally made contact with them by ( XXXX ) and wouldn't provide shipping details. I looked into them on internet and saw reviews saying they are a scam. I called " XXXX XXXX '' and left a voicemail to cancel the transaction. I saw they had billed my credit card so I called Elan Financial Services cardmember services on XX/XX/XXXX and informed them. They said charge would be reversed and they would " investigate. '' They took down the information I provided them regarding the lack of shipping details and correspondence from XXXX XXXX. The initial charge on my credit card was reversed. However, on XX/XX/XXXX I saw XXXX had recharged me for the initial charge ( {$510.00} ) and there were 2 more identical charges each of {$510.00} - so now there was {$1500.00} worth of charges for this on my credit card. I called Elan Financial Services Cardmember Services - spoke with representative who again took all of the information down that I told him about the case and evidence of fraud. He said " the case is closed because it has been 30 days, '' that they had finished their investigation and went ahead and re-charged me for the initial charge and the 2 additional charges. I protested and he said he would request the " case be reopened '' so they could investigate further. The representative said Elan Financial Services had sent a paper form in the mail for me to fill out in the case. I informed him I had not received the form he said they sent. He advised me to get a new credit card number / card. The representative then attempted to contact the " XXXX XXXX '' merchant at the number he had for them ( XXXX ) and they did not answer. He also agreed this seemed like a scam. I called that number as well and left a voicemail again to cancel the transaction. By XX/XX/XXXX I saw the charges remained on my account. I called Elan Financial cardmember services. They informed me again that the case was " closed '' but they would put in a request for the case to be " re-opened. '' I requested a call-back by the " case specialist '' who was supposed to be " investigating. '' They said the case specialist would call me back within " 24-48 hours. '' I called Elan back on XX/XX/XXXX after waiting over 48 hours without callback. They said there was no request for a callback or for the case to be reopened. I asked to speak with the case specialist 's supervisor- they said they would have the case specialist 's supervisor call me back within 2 business days. At the last minute, 2 business days later ( XX/XX/XXXX ) my phone got a call from an North Dakota area code ( XXXX ). I answered the phone and repeatedly said " hello '' - no one answered but the line didn't hang up. I repeatedly said I couldn't hear anything and to call back. After about XXXX seconds the line hung up. No voicemail was left. After several minutes I called the number- it said " this is a caller identification # for office that houses US Bank and Elan Financial Services. You can't reach a person at this # - refer to a voicemail for a valid callback #. '' However, they hadn't left a voicemail. I then called Elan Cardmember Services and told them what happened. They said the " case processor '' had questions but said I didn't answer the phone. The cardmember representative then asked me the two questions which I answered ( 1. were charges supposed to be recurring, and 2. do you still want to cancel the transaction. ) I let her know they were not recurring and of course I want the transaction cancelled and had tried to do so repeatedly. I then asked for a transcript of our conversation- she said they couldn't give me a transcript or " release that information to me. '' She also didn't have a reason for why the " case processor '' hadn't left a voicemail to speak with me or call back again if they were having difficulty. Now, I have received mail from Elan Financial Services with a letter dated XX/XX/XXXX and post-marked XX/XX/XXXX that has enclosed forms they want me to fill out that are back-dated XX/XX/XXXX and XX/XX/XXXX instead of properly dated as to when they sent them to me. In the meantime, I sent a certified letter by USPS to Elan Financial Services dated XX/XX/XXXX and post-marked on XX/XX/XXXX and delivered XX/XX/XXXX that disputes the charges and provided the original order email received and invoice from Delight Furniture. This is the worst kind of treatment by a credit card company towards those who are supposed to be their " customers. '' Instead, at every turn, Elan Financial Services has gone out of their way to make this process difficult for the consumer. They have done very little to " investigate '' the dispute. They have put a great burden on the consumer to communicate with them and will not provide transcripts or records to the consumer to help them in the process. Elan Financial Services appears to have a vested interest in not letting the consumer know what they are, ( or are not ) doing to " investigate '' or to allow them access to information they need to move the process forward. | ||||||
| 02/02/2022 | Yes |
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| Of note : the name on this account is under XXXX XXXX, which was my previously married name. There are two issues with regards to US Bank and deceptive practices : I turned in my XXXX XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX as my lease had ended. At that time I was not asked to inspect the vehicle, nor did an employee inspect the vehicle for any visible damages. I only received a document acknowledging that I had turned in the vehicle on that date respective to my lease termination. I received a statement dated XX/XX/XXXX from US Bank stating that I had remaining contractual charges of {$3800.00} which included a {$390.00} end of term fee, excess mileage fee of {$2900.00} and excess wear and tear charge of {$650.00}. I called US Bank at that time to inquire about the excess wear and tear charge as I had returned the vehicle in great condition. The representative told me that the charge was to replace a cracked windshield on the vehicle. I disputed this charge because there was no damage to the windshield when I turned in the vehicle, otherwise I would have paid to have it replaced at a lower cost prior to returning the vehicle. The representative told me that US Bank did not pick up the vehicle from XXXX XXXX until 2 days later and there was no proof that there was no damage to the windshield at the time I dropped it off. I advised that the employee at the dealership did not do a walk around with me when turning in the vehicle and I should not be held responsible for damage that occurred in the dealership parking lot if it sat there for two days prior to being picked up. The representative advised me that unless I had photo proof from XX/XX/XXXX that the windshield had no damage, I would be responsible for that charge. I do acknowledge that I am responsible for the mileage balance and term fee. I was contacted by US Bank I believe in XXXX or XXXX of XXXX to discuss payment options. At that time, I stated that I would be unable to pay the balance in full at that time due to reduced work hours as a result of Covid and requested options for a payment plan. I was offered a 24 month payment plan with monthly payments of {$160.00}. I asked the representative for monthly statements to be mailed so that I could send payment each month. After a couple of months I received another phone call asking about payment arrangements and at that time I advised the representative that I had never received a statement from US Bank so that I could make the monthly payments. The representative confirmed the address on file was correct and she said she would send a ticket in to research why I am not receiving statements. I never received a response back. I received another phone call from US Bank and was told at that time that statements are not mailed and that it is my responsibility to make the monthly payments as they have the option for me to do that over the phone. I advised I was not comfortable with that method and that again I needed to be mailed statements so that I could ensure payments were being received and that my balance was decreasing accordingly and also as a reminder to make payment. I receive other mail from US Bank but never a monthly statement after several requests so I advised the representative that is why monthly payments are not being consistently made because any other outstanding balance I have from any other business or vehicle lease I am mailed statements. XXXX XX/XX/XXXX, I called in to attempt to make another monthly payment. XXXX is the representative that took the call and he advised that he has no record of me ever having a payment arrangement on file and that at this time US Bank is only offering 12 month payment arrangements. I advised him that was incorrect and that I did have a 24 month arrangement set up because how else would I have known to make payments of {$160.00} if I didn't have an agreement set up, I couldn't have just made that amount up. Again he stated that there was no record of any arrangement and that 12 months was the best they could give me as of the date of the call. I asked why wouldn't my agreement be honored since it was setup prior to today. He then asked me why I couldn't make the higher payment and I explained that was the most I could pay per month because of a reduction in hours due to Covid. He then offered me a one time hardship offer of {$2000.00} to pay off the account in full. I advised I could not pay that amount today and he became very rude and pushy asking me why I could not pay off that amount today, which is frankly none of his business. He stated that I could make the same payment amount of {$160.00} but since it's not in a " formal '' agreement I would continue to receive monthly collection calls. I asked if paying that amount would keep me from having collection practices put against me, which he stated that he could not say yes because I would continue to receive calls. He then looked up my previous lease payments when I had the vehicle and stated " well your previous lease payments were {$640.00} so why can you not pay the higher amount per month? '' to which I advised him I have a new car payment. This is deceptive practice on the part of US Bank. I know there are multiple phone records with regards to my account as they document every time I have had to call in for an issue, so there has to be phone record of the 24 month agreement being set up as well as multiple calls with me requesting for statements to be mailed. The actions of XXXX today I would expect from a collection agency, but not from a bank. It almost seems like they want to do everything in their power to make it difficult for me to honor my payment obligation since I am not rich enough to just pay off a $ XXXX balance. | ||||||
| 04/05/2022 | Yes |
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| On XX/XX/22 I logged into my business US Bank mobile banking app and followed the process suggested by customer service representatives to apply for a credit card. I do not have any personal banking with US Bank. On the homepage of the app, there is an ad that states : " Explore and Apply>Reach for financial freedom>Credit Cards '' you can click on the credit card link and it opens a page that states " Credit Cards : Find a card that fits your lifestyle. '' It shows Filter by Card Feature and " All Credit Cards '' is selected. The following page shows ONLY personal consumer credit cards including all of the following : " U.S. Bank Altitude Go XXXX XXXX XXXX ; U.S. Bank XXXX XXXX XXXX XXXX XXXX ; U.S. Bank XXXX XXXX XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX ; U.S , Bank XXXX XXXX XXXX XXXX XXXX XXXX and the following Secure Credit Cards : " U.S. Bank XXXX XXXX XXXX XXXX U.S. Bank Altitude Go Visa Secured Card ; U.S. Bank XXXX XXXX Secured Card '' In addition to the ad posted on the homepage of the Business Banking App, you can click on the menu on the upper left and then click on " Explore accounts & offers '' From there you can click on " Credit Cards '' under financial products. This takes you to the same page that ONLY displays consumer credit cards. On the advice of the customer service rep I applied for a credit card while logged into my business account under the assumption that I was applying for a business credit card NOT a personal consumer credit card. When I spoke to the customer service rep inquiring about obtaining a business credit card for my new business account, I was advised to apply via the mobile banking app since it would be automatically tied to my business account. I asked since it was a new account with no credit history if I would first need to apply for a secured account and they advised me that no, it would look take into account the personal credit of myself and my business partner. I applied for the " U.S. Bank XXXX XXXXXXXX XXXX XXXX XXXX while logged into my business banking app thinking this was a business credit card. No where under the credit card page with " All credit cards '' did it show or mention any difference or availability of a business credit card. I applied on Friday, XX/XX/22 and added my business partner onto the application and was approved for {$20000.00}. On XX/XX/22, I called into US Bank customer service for an unrelated issue and inquired about my credit card application. I was told by the customer service rep that the card was being mailed but in the meantime I could see details ( credit availability, etc. ) on my mobile banking app. I let the customer service rep know that nothing showed on my account. She researched and let me know that I would need to create a PERSONAL banking account to access my credit card info because I had applied for a personal consumer credit card instead of a business credit card. From that point I spoke to multiple customer service reps and managers to try to cancel my personal credit card applcation. I spoke to customer service representatives and managers from both personal and business banking who all advised me ( including while on a cobrowsing/screen sharing process ) that if I wanted to apply for a credit card for my business, I would need to follow the steps I listed above ( click on the menu in the upper left hand corner then click on credit cards ). After these multiple customer service representatives realized that they had all advised me to XXXX for a personal credit card instead of a business credit card they apologized and said they would escalate my issue to cancel my application and reach out to the credit bureaus on my behalf to void any application and hard inquiry into my credit for the application. I was on the phone and placed on hold by 6 different representatives and when I reached their credit card department they said that all other representatives lied to me to get me off of the phone and that was no way that they could rectify the situation with the credit bureaus and that I would need to mail in a letter so that they could review the situation. This rep tried to get me to keep the personal consumer credit card by suggesting " maybe you can use this personal credit card '' and can I incentivize you to keep this if I offer you a " {$25.00} cash credit towards a future purchase ''. I responded that I do not need a personal consumer credit card and have no need for personal banking and/or credit with the bank, that I wanted the application cancelled/removed from my credit report through their escalation process and that if I were to open a business credit card with them, I would take the cash credit there. This customer service rep cancelled my application and then let me know there was nothing else he can do which makes it seem like I ( as a consumer ) decided to apply and then cancel an approved credit card. Multiple customer service representatives placed me on hold and were unable/unwilling to assist me. Several did not listen to my issue and attempted to transfer me to the wrong department just to get me off the phone. I realized that there is a way to apply for a business card while logged into business mobile banking app by clicking on the menu in the upper left hand corner, clicking on " Explore accounts & offers '', scrolling down to " business banking '' and then clicking " Business credit cards ''. There you have the option of seeing their 3 business credit cards. US Bank is practicing deceptive marketing tactics and not properly training their staff in order to get business account holders to apply for personal consumer credit cards. This practice is unethical and their overall customer service is absolutely horrendous. | ||||||
| 07/18/2018 | Yes |
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| On XX/XX/XXXX you foreclosed my property after I spoke with one of your representatives there at U.S. Bank Home Mortgage expressing the need for extended time to pay the required reinstatement fee. As I had spoken with one of your representatives, she told me I could make the payment until the day of the sheriff 's sale. I explained to her that I need more time to pay as the fees added were excessive. She said contact the their attorney XXXX XXXX for a payment arrangement. Immediately afterward I called the office and left a message informing the attorney that I needed to speak with him as the office had already closed. I called the morning of XX/XX/XXXX as soon as I knew the office was to have opened and I was told by someone to fax my request to them explaining why I would need a new reinstatement letter. I did so and was told they had to send the request to U.S. Bank and that I could check back with them on Monday XX/XX/XXXX. Well I called back on Friday XX/XX/XXXX and their representative said they had gotten the letter too late. The previous reinstatement letter said I could request a new one after the XX/XX/XXXX which was when it expired. It did not state that it should have been requested by any particular time other than after XX/XX/XXXX. You did not honor your word verbally nor in writing. I was prepared to pay the amount of the past due payments required to remove the account from default status, although I couldn't afford those excessive and unexplained Recovery Corporate Advance fees you added to the account. As I was reviewing prior correspondence from I you I saw a letter from XX/XX/XXXX stating you received and placed my partial payment of {$10.00} into a suspense account. Well, during prior conversations with your representatives I was told you don't accept partial payments. You said send the remaing amount of the payment so it could be applied to the loan. And that's what I did. What charges were added to the total amount of the recovery corporate advance fee? About {$2400.00} was added and I would like to know what the charges were as well as the amount of each one. It has been brought to my attention that a face-to-face interview with me was required of you. I'm sure you knew that and yet you failed to inform me of its importance. With that in mind, you should really have expressed how important it was to have an appointment set. Being as it was that important I feel you should have randomly scheduled an appointment by phone, postal mail, or email and I would have confirmed if I would meet with you or not. Perhaps a relationship manager would have known to do so. You seem to have neglected to assign one to assist me. I wasn't able to speak with one particular person who may have been able to better assist me. Each time I called -- there was always someone different to speak with. I don't feel you attempted to help me save my home according to how things were done. Please explain the responsibilities of U.S. Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Which of them carried the Promissary Note in their possession prior to XX/XX/XXXX? Which of them carried the Mortgage in their possession prior to XX/XX/XXXX? On XX/XX/XXXX I spoke with XXXX to inquire about the possible sale of the property, as someone has claimed to have purchased it. I gave what information I had obtained about that person and I just wanted someone to inform me if ANYONE had actually done so. Your representative said she would call back after she could get the answer to that question as well as some others. She asked for updated contact information and really spoke as if she would call me back and she never did. I attempted to call back and couldn't get through the line. There was a message stating to call back later and everytime I did so I got the same result. I mentioned the name of the person claiming to have purchased the property and how theft has occurred since the first encounter and how she has continued to trespass or send other people to view the property. About 3 weeks ago a relative observed that person walking through the property from front to back, all around the house and then attempted to unlock the doors to enter the home. She didn't seem to have noticed that someone had observed her actions during the time. She's deliberately disrespectful and doesnt care about the law as she has continued to trespass after i met her on XX/XX/XXXX. XXXX said you sent a Redemption Letter. To what postal address did you mail it to? On what day and date did you mail it? Or, to what email address did you mail it? Will you be sending another? If so, I need to know when to expect it. Amongst the other issues, I suspect I am a victim of negative amortization. I noticed on one of the Mortgage Tax and Interest Statements from XX/XX/XXXX, the interest paid on the loan was the amount of {$1300.00} and the amount paid on the principle was {$300.00} for that year! Do you think that's acceptable? There must have been an error made. The amount of interest paid over the years is enough to have paid well over the original loan amount. Why is the amount of {$19000.00} the amount you said I owe on the loan after you foreclosed, not the same as what your Amortization Schedule says? The Mortgage documents you needed to file in court contains an agreement called a Confession of Judgement which removes my legal rights to take action against it, however the contract is void as it causes invalidation of the agreement. The United States Constitutional Amendment XIV protects every person 's right to notice and opportunity to be heard in court. I can provide copies of the original loan documents and multiple billing statements if you need to view them. | ||||||
| 06/20/2023 | Yes |
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| Chronologically : 1 ) Friday XX/XX/XXXX, I received a notification from my customer XXXX that my consulting fees of {$24000.00} have been ACH transferred to my bank account at US bank ( checking account ) 2 ) Weekend of XXXX XXXX, I tried to check online and found username disabled. I called customer service and was told account has been locked by fraud department. Since this is the weekend, call the fraud department on Monday. 3 ) Monday called customer service and after a long wait connected to the fraud department. She refused to say what is the fraud and refused to help. On Tuesday, I was told briefly that the reason they see is names do not match. I was also told to go to my local branch in XXXX XXXX, IL and talk to branch manager. I could not since I was traveling. 4 ) On XX/XX/XXXX my customer XXXX called and asked if everything is OK with my bank. Someone from US Bank called them and asked her if transfer is legit. She told them of course it was. 5 ) On Saturday, XX/XX/XXXX I went to local US Bank and was told manager is on vacation. He will return next Tuesday XX/XX/XXXX. I reached out to US Bank efraud department who has frozen my account- XXXX XXXX by phone multiple times, she never replied. Called local branch manager XXXX on XX/XX/XXXX, he was the only one who was helpful. I was told that bank suspected fraud since the name on ACH was XXXX XXXX XXXX XXXX and the name on account is my name XXXX XXXX. I told him that is my company name and I and my wife are the only owners and workers in the company. Also, I had been receiving 8-9 ACH payments from XXXX to US Bank this way without any issues. He told me to reach out to XXXX XXXX from XXXX to resolve. I called and emailed him tens of times without a single response from efraud department. 6 ) On Friday XX/XX/XXXX, I sent my business license XXXX to XXXX, local branch manager by email proving that I am the President and owner of XXXX XXXX XXXX. 7 ) Tuesday XX/XX/XXXX - response from XXXX - " I received a reply from XXXX, the XXXX manager you had reached out to. After sending the business documents, they are required to send the funds back to the sender and the account be closed. They are not allowing branches to release the funds. I asked him to expedite the process and he was able to submit the request but no time frame. '' 8 ) Time passed, followed up with my customer XXXX if they received any request, they never did and nor did their bank XXXX XXXX bank. From XX/XX/XXXX - XXXX followed up with US Bank XXXX department multiple times and never any response. Received a response from XXXX - bank manager on XX/XX/XXXX - " I apologize that they are unresponsive. There are updated notes stating US Bank has submitted the request to send the funds back to the originator and we are waiting for the originator to respond to the request. '' Again, my customer XXXX said they received no request. I don't know if their bank XXXX received any request. 9 ) Monday XX/XX/XXXX - email from XXXX- '' I received a response today regarding the account. They gave me approval to release the holds and release the funds to your business name. However, we have to wait until the XXXX in order to create the check. '' 10 ) Went to bank on XX/XX/XXXX hoping that I will see my money. I was told by XXXX that there is a new claim ( from my customer XXXX bank XXXX XXXX XXXX ) - XXXX ( description in letter that I received says Hold Harmless Request ). US Bank debited {$24000.00} from my account and is holding it. The funds will be held for 15 business days ( after already being held for a month ) before being released to XXXX. The option is to dispute the claim which I was advised to do by the fraud liaison center and the bank manager. Bank manager again submitted my business license papers to US Bank fraud center by email. 11 ) Today XX/XX/XXXX, I received a notification from customer XXXX that the bank XXXX has told them that US bank has denied the claim and there is nothing more XXXX can do. US Bank will be able to release the funds to my account. 12 ) I called US Bank fraud liaison center and talked to front office CSR. First issue is front office knows nothing about the case, only back office knows, and they wont speak with me. Front office told me that back office says claim is still there from XXXX. They can not do anything. XXXX already said there is no claim anymore since they received the denial affidavit. Back office also said to front office ( CSR I was speaking to ) that even after claim is withdrawn, they wont pay me back. They can only return money to XXXX which anyway they failed to do after more than 1 month. 13 ) Reached out to XXXX branch manager again and requested that he release the funds now that there is no claim from XXXX XXXX He himself wrote before " I received a response today regarding the account. They gave me approval to release the holds and release the funds to your business name. However, we have to wait until the XXXX in order to create the check. '' 14 ) He responded " Prior to the funds being taken out of your account from our fraud department, that statement was true. Once the funds were taken out, the approval to release funds was revoked. It is now completely out of the hands of the branches as everything has been taken over by US Bank fraud, which is why I have provided you with the case # and phone number to the fraud liaison center. When the funds are returned with no holds on the account, that is when I can obtain a new approval to release the funds. '' I believe that US Bank Fraud department has no intention of releasing the funds to me nor returning the funds to the originator bank XXXX since they did not do this for more than a month. | ||||||
| 01/10/2018 | Yes |
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| In XX/XX/XXXX we took out a loan to do some home improvements from US Bank. Our original mortgage was with XXXX. No lien was filed for the home improvement loan received from US Bank. In XX/XX/XXXX, we refinanced our home and the mortgage was placed with XXXX. This is important because had US Bank filed a lien with XXXX County OR, the US Bank loan would have been paid off as a second mortgage when we refinanced. But there was no record of one when the title search was done. In XX/XX/XXXX, we sold our home. Again, a title search as done and there was no lien filed by US Bank. Had that existed, it would have shown up as an incumbrance. It did not. I had no knowledge that there should have been a lien or that US Bank should have filed one and that they did not. There are many types of loans some with liens and some without. I take my responsibilities seriously. At no time have I disputed that we took out the loan, or that repayment was needed. I agree to this. And for 18 years I have made a monthly payment to US Bank. That includes every month since the house was sold. I have attached the closing statement for the sale of the home that shows the payoff being made to XXXX. In early XX/XX/XXXX I was contacted by US bank about the lack of homeowners insurance. I supplied US Bank with the information that the home was sold in XX/XX/XXXX. They did tell me that they were listed as the second mortgage and I could not have sold my home without the loan being paid off. I supplied US Bank with information proving that they did not have a lien on the property and it was indeed sold. I received a letter from US Bank confirming that they were removing the insurance and I would not be charged for it. That letter is attached. In the summer of XX/XX/XXXX US Bank again trying to force me to insure a home that did not belong to me. I did call my insurance company to have a talk with them about this situation. I was told that you can not insure a home that you do not own. Additionally, I was told that if there are two insurance policies on one residence, both policies will not pay. If the house burned down, the insurer for the new owners would pay and the claim would be denied by XXXX XXXX XXXX whom US bank uses for the force placed policies. The policy from XXXX XXXX says it will not pay if there is another policy in place ; which there is. So there is no benefit or consideration for myself or US Bank for the {$5500.00} that are telling me I have to pay. In my numerous conversations with US Bank on this subject, they have told me that they do not care and that I will pay for the insurance. I have tried to escalate this, but even the supervisors say I had to pay for insurance on a home I do not own. There is no human you can sit down with and discuss the situation. Just the people in a phone center somewhere. On XX/XX/XXXX, I had enough money to pay off the balance of this loan. The balance listed was {$3700.00}. I paid that. On XX/XX/XXXX I looked to make sure that the payment was credited. The loan now showed a balance of {$16.00}. I paid that on XX/XX/XXXX. I had previously set up a payment to be paid on XX/XX/XXXX for the normal monthly payment of {$220.00}. I had forgotten to cancel that and that was paid also. So, in my mind I paid of the entire loan on XX/XX/XXXX and overpaid {$220.00} in XX/XX/XXXX. The payments of {$16.00} and {$220.00} are not being applied to the load. US Bank has now placed those monies in suspense. I have attached a statement from US Bank to support that. This is not, nor has never been about the loan or the repayment. This is about US Bank forcing me to pay for an insurance policy that will never be used. Lets explore that for one minute. The house burns down. The new owners, the XXXX, file a claim with their insurance company. Their insurance company pays out with XXXX XXXX XXXX as the lienholder. US Bank will never even be aware as they are not listed as a lienholder and therefore not on the new owners insurance policy. No one will ever contact them or XXXX XXXX. If for some fluke of nature, I find out the house burns down and I want to file a second claim for the value of the home, it would be denied as the claim was already paid by the XXXX XXXX. So, there is no benefit to US Bank or myself for paying for the homeowners insurance. How can a bank blackmail a customer into paying for insurance that can never be collected? They are holding my loan payoff hostage demanding payment for not one, but two years insurance. In XX/XX/XXXX, I received a copy of an insurance policy from XX/XX/XXXX to XX/XX/XXXX. I had never seen this before. If they did not know the house was sold, is it a coincidence that the policy start date is the day after the house was sold? Either way, I already have a letter from US Bank ion XX/XX/XXXX saying it was removed and I would be credited as the house was no longer owned by me. Secondly, comes the question about the second policy. If US Bank had a right to insure a property that they do not have a lien on and that I do not own, the loan was paid off on XX/XX/XXXX. Why would I have to pay for entire year instead of 2 months. It should have been prorated. I can not cancel the policy as it is not mine. And when cancelled where does the refunded amount go? Not to me, but rather back to US Bank. That is pure profit for them to put in their pocket, paid for by me. This can not be right or fair. My checking and savings accounts have been with US Bank for 25 years. I am astounded that this is how they treat long standing customers who pay their bills on time. I can not get anywhere with them and I feel this is wrong and unethical. I have no idea if it is even legal. | ||||||
| 12/10/2019 | Yes |
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| XX/XX/2019 I emailed (XXXX) the below probate documents showing I was appointed as personal representative Death Certificate Letter of Administration (certified copy) Order Appointing Personal Representative (certified copy)XX/XX/2019 I called US Bank and spoke to XXXX, who transferred me to XXXX, she advised me to complete the Successor form and this would give my sister and me the ability to apply for refinance and she said to send it in a soon as possible XX/XX/2019 Mailed documentsXX/XX/2019 I called US Bank and spoke to XXXX, she advised the documents were received and loaded into the account on XX/XX/2019 XXXX transferred me to XXXX, she stated I needed to submit my probate paperwork showing I was the successor, I emailed the below documents to XXXX Death Certificate Letter of Administration Order Appointing Persona Representative Property Appraisal Warranty DeedXX/XX/2019 Called US Bank spoke to XXXX, she advised she spoke to the foreclosure department and they were going to email me the workout packet, which I never received, as well as, mail it out. Rather than waiting I went online to mortagagehelp.us.bank.com and completed it I asked to get one point of contact so I would get all the information I needed at one time. Contact was not providedXX/XX/2019 I called US Bank and spoke to XXXX, she advised they had not received legal documents showing me as successor, emailed them again on XX/XX/2019 @ XXXX XXXX to XXXXXX/XX/2019 I called US Bank and spoke to XXXX, he advised I am now showing as successor I called MAP and spoke to XXXX, she advised they were not able to use the application I sent on XX/XX/2019 because I had not been established as the successor at that point I asked to have one point of contact, so I could get all the information I needed at one time, contact was not providedXX/XX/2019 My sister, XXXX XXXX, gathered all the information again and faxed it to XXXX. She received fax confirmation on XX/XX/2019 @ XXXX XXXX. XX/XX/2019 Called US Bank and spoke to XXXX, she advised they had received all paperworkXX/XX/2019 Called US Bank and spoke to XXXX, she transferred me to Loss Mitigation Department and spoke to XXXX, she contacted underwriting and they needed explanation of deposits for the below dates – XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX – emailed the requested information on XX/XX/2019 @ XXXX and received email confirmation back from XXXX with Mortgage Assistance Point (MAP)XX/XX/2019 I called US Bank and spoke to XXXX. I told her I had received a letter advising the Loss Mitigation Review had been Cancellation and I didn’t understand why because we had submitted everything they had requested. She stated we were missing explanation of deposits and my paystubs – I told her I had emailed the explanation of deposits and my sister forgot to print off my paystubs and they had my contact information, why didn’t someone call me and let me know it was missing, at this point, I asked to speak to a supervisor, she transferred me XXXX, he said there was nothing he could do and said he would transfer me to the Consumer Advocacy Group – XXXX, somehow the called was disconnected. I called the number above and spoke to XXXX, she opened a case for me, case # XXXX, I advised her I didn’t understand why they would close the review when we had sent them everything they had requested. I also told her my brother was on active duty and would like to know if that help delay the sale of the property. She said she didn’t know but would include that info in the email to the foreclosure attorney. My sister and I called back that afternoon and spoke to XXXX, she stated they had submitted the request to suspend the sale but there were no notes stating what additional information was needed or any additional dates for explanation of deposits. She then gave me the name and number of the supervisor I had spoken with earlier in the day, XXXX, XXXX extension XXXX.XX/XX/2019 Called Consumer Advocacy Group and spoke to XXXX, she confirmed the sale had been postponed and to call back in 2 days for statusXX/XX/2019 I received Certificate of Sale dated XX/XX/2019 with a post mark date of XX/XX/2019 stating the property had been sold back to US Bank for $XXXX. I called the Consumer Advocacy Group and spoke to XXXX, she advised the foreclosure attorney stated the sale had been postponed, but they sale went through anyway. XXXX advised the department manager XXXX XXXX is the one who confirmed the sale date was postponed. She put me on hold, came back to the line and said the supervisor was on a call but said in the State of Florida the postponed sale must go through the court and maybe that didn’t happen. I was never advised a sale postponement had to go through the court. XXXX gave me the phone number to XXXX XXXX XXXX, Attorney XXXX XXXX, I called and was told he was on vacation. I asked if there was anyone else who could tell me what was going on, she said his assistant, XXXX XXXX, I called and left her a message and have not heard anything back. XX/XX/2019I called US Bank Consumer Advocacy Group and spoke to XXXX. I informed him I had submitted a letter for the sale of the home to be rescinded yesterday, XX/XX/2019 I told him I had called XX/XX/XXXX and left a voice mail for XX/XX/XXXX on XX/XX/2019 & XX/XX/2019 and had not heard back from him and I wanted to know if the legal group had added any updates to our file. He stated there were no new notes, but he was adding this info to the file. | ||||||
| 07/30/2018 | Yes |
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| US Bank unilaterally changed a credit line into TWO mortgage loan notes, then attempted to foreclose on my domicile multiple times. The full complaint has been previously submitted and responded to by the Consumer Advocacy Specialist at the US Bank, however, the response avoided the main issue : which is the unlawful exparte judgment, the unlawful doubling of the loan during the HAMP application, auctioning off my domicile after a bankruptcy was filed, changing the payoff amount arbitrarily, counteracting their own paperwork. I must have the original note. There is no signed mortgage. How can they attempt to foreclose on a home without a mortgage. The credit line is the only paperwork that is signed and lawful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX, Consumer Advocacy Specialist Case number # XXXX XX/XX/XXXX Dear XXXX XXXX, I am in receipt of your letter dated XX/XX/XXXX Your letter fails to address the following : 1 : You had an exparte judgment, which is unlawful. This is a judgment ofXX/XX/XXXX. 2 : US Bank did NOT inform me about any hearing for a judgment. This is unlawful. 3 : The judgment has been vacated by an Affidavit of Truth and by a Writ of Error. US Bank refuses to accept the vacated judgment. 4 : There was no note other than a credit line number XXXX which you admit in your letter. The other mortgages were manufactured by the bank for their own purposes. 5 : US Bank returned my regular monthly payment check for no reason given. 6 : After the rejection of my monthly payment I applied for the HAMP program. 7 : The loan amount was doubled in the HAMP program. In your letter you have made NO mention of the unlawful activity of the doubling of the HAMP program. Consequent to the unlawful activity of the HAMP program, I was forced to declare bankruptcy to protect my home. There was only one true bankruptcy. The first two were dismissed because of inaccurate paperwork. The third was dismissed due to misfiling. Please provide proof of the following : A : Provide proof of a denial of the Writ of Error to vacate the judgment of XX/XX/XXXX B : Provide copies of any notifications sent to me regarding any hearing for any judgment before XX/XX/XXXX.C : Provide proof that my being able to file in court is lawful and remains unchallenged. D : Provide proof of any original note regarding my loan. E : Provide an Asset Balance Sheet regarding my property. F : Answer the subpoena issued to you before my bankruptcy was filed in the first instance. G : Provide paperwork to show the change of the credit line created by US Bank, transferring the credit line into a promissory note. This must show my signatures on the transfer or pay off For your information : The Loss Mitigation program is the very same that was started in XXXX, but due to the inefficiency of your bank and its departments there were at least 4 application refiled because the applications were lost or so I was informed. The reason for the extension of any servicing of the credit line is not because of me, but because of the inefficiency of your bank and its various departments. You admit in your letter that the credit line was changed by the US Bank, who paid off the credit line! Who gave the authority for that to happen? You claim in your letter At no time throughout the history of this Mortgage Loan have there been any handling or servicing issues. Yet you admit the credit line was changed to a mortgage loan. Regarding your comment about the incomplete applications : All previous applications were lost by Relationship Managers who were changed. Please review the number of Relationship Managers on my case. The inefficiency is appalling. Finally, you are in error about the wrong address. During a hearing with Judge XXXX the correct address was given in court by me and was logged in court records. Yet : : DESPITE the correct information the debt collectors continued to send notification to the wrong address, attempt to auction my home without sending me notification, attempt to have a hearing with Judge XXXX, without sending me notification, due to which Judge XXXX was recused. Please correct the statement regarding the {$88000.00} sent to you after the sale of my condo in XXXX : The payment was interbank and not by me. I do not personally handle such large sums of money. That US Bank can not find it is further proof of inefficiency on the part of US Bank. Currently, the Loss Mitigation department is working with me on my application. I hold US Bank responsible for : * Attempting to auction off my home while I am under the HAMP /Loss Mitigation program. This is against Federal Law. * Actually auctioning off my home after bankruptcy was filed. This is against Federal Law.Can you imagine the enormous pressure and anguish created on me by the US Bank for these repeated unlawful attempts of auctioning my domicile? People are peering into my windows and trampling through my garden and ringing my doorbell looking to buy my domicile. Is this bullying and harassment by the debt collectors authorized by US Bank? Either the US Bank or the debt collectors or both are to be held accountable for this bullying and harassment. Each and every unlawful auction attempt is accountable for by US Bank. In closing, the legal counsel you mention are debt collectors. You had hear that announcement on their recording of their office answering machine yourself. Debt collectors are not allowed to foreclose on a home. They have purchased the debt of the bank, the US Bank in this case. Please provunilateralylide the responses demanded in this letter within 14 days. Signed, XXXX XXXX. | ||||||
| 09/12/2022 | Yes |
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| I opened a credit card through my local bank in XXXX XXXX Webster Bank and they had ELAN Bank a XXXX XXXX US BANk issue me a credit card labeled a Webster Bank, I had used it occasionally for about 2 years and then somehow it was misplaced or lost and I I made a call to ELAN and then wrote a letter to them about 6 month later stating I thought i may have lost my card and to cancel the card. ELAN must of misplaced or never processed my written request back in XXXX and the card went from {$600.00} estimated to a much higher balance near {$1900.00} or more without me realizing it until calls were coming in telling me i was overdue on payment I had been making all aking for the amounts i thought I owed online. The online epay does not provide a balance or show me any statement information so I was in the dark for three years and eventually they sent me to XXXX XXXX XXXX agency to collect {$2000.00} they said I owed when it should have only been {$600.00} and closed out way back when I sent in a written concern that the card may have been lost back then. I wasn't sure if I had even owed anymore money and was skeptical about the debt collection agency being legitimate or not, I tried several times to speak with ELAN reps and the credit card loss area and they refused to speak to me because i was a debt collection matter and sent me each time to XXXX XXXX which I refused to speak to not knowing who they are and why they were calling on an ELAN Bank credit card matteXXXX XXXX XXXX XXXX XXXX XXXX XXXX mostb anks have their own colllection departments until they write off the amount owed XXXX XXXX XXXX XXXX I never dispusted that I had owed {$500.00} or a bit more at one point but i had paid over {$3000.00} or more in payments over a 3 years period then cut back when I was XXXX and tried to negotiate a settlement twice with Elan for the {$500.00} but they kept on insisting its {$1900.00} or {$2000.00} total. Once ELan validated XXXX XXXX was real last year I set up a {$22.00} payment per month for a year but then i was XXXX XXXX and could not make anymore payments being XXXX and XXXX XXXX I tried to get a waiver of the reminder of the payments since the bank wrote off the account in XXXX or XXXX and sold it for pennied to the collection agency with the wrong debt information that they never resolved based on my letter stating those were not my charges other than about {$500.00} which I had paid of 5 times over in payments -- -- -- -- I never authorized ELAN to share my personal inforamtion with a third party and I tried to resolve the dispute with no help on their side in resolution of the issues -- -- -- -- I also tried to resolve the issues with XXXX XXXX several times and eventually had to stop talking to them they would not listen or help. They made illegal calls to my wifes work place looking for me and to my fathers house where I do not reside and I think a call attempt was made to my neighbor but she asked not to get involved or be mentioned so I can not prove that. Recently withink the last 30 days I received a notice of lawsuit from Connecticut Superior court that I am being sued in small claims by XXXX XXXX through an XXXX XXXX XXXX Debt Collecting lawyer who has been fined several times by already for illegal debt collection practices -- -- -- -- - the lawfirm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are suing me on misinformation and monies i do not owe of {$1800.00}. -- -they were hired by XXXXXXXX XXXX XXXX in XXXX Virgina XXXX I have spoken to other law firms in the area and this is the big millions of dollar money makers that XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX and a couple other law firms in Connecticut have set up together to intimidate and scare consumers who are down on their luck or have become XXXX or are XXXX which I am both to cave in and give them any money they claim even when it was not resolved property by the bank that initially was involed for following up on complaints and suspicous activity in the first place. I attempted in good faith one last time today to call the Bank Credit Card loss services who refused to speak to me and transfered me over to XXXX in ELAN Collection services who again refused to speak to me her number is XXXX she transfered me to XXXX XXXX after I told XXXX to let me talk to her legal department without any luck to ask why they never called when I sent the letter in back in XXXX or investigated my complaints and claims of charges that i was not sure got on there for such a larger amount then what I had owed, then i was transferred to XXXX XXXX who refused to listen or answer me for the illegal calls they made to my wifes work and my fathers house trying to hunt me down. XXXX tried to transfer me to XXXX XXXX XXXX attorney XXXX and I hung up and called myself and spoke to XXXX XXXX to try and explain the misunderstanding and the banks error and she could not help me other than telling me they can send me an affidavit letter to have me sign about the issues and claims I am making but i would need to provide a police report as procedure to negotiate any debt or remove any from what she was trying to explain in a roundabout way without legally getting in trouble, I called the police stating asked them about the policy there about filing lost credit cards if I had only realized it was lost like 2 years later and they said it be to late to do so -- -- -- -- So the law firm told me thats their required procedure or they can not help me -- -- -- -so I am stuck getting dragged into court to try and pay for charges they should have reviewed and removed. | ||||||
| 04/09/2022 | Yes |
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| XXXX XXXX has two ( 2 ) accounts with USBank that are being erroneously reported - a personal loan account, and a revolving credit account. Around roughly XX/XX/XXXX XXXX XXXX was in the process of marital separation from XXXX XXXX. XXXX XXXX sought to place a personal loan with US Bank into forbearance or obtain deferred payments, but was told that no option was available at the time by an in person representative. In the following months, XXXX XXXX was put under the false impression by US Bank branch representatives that she had to pay the cumulative amount of all of her missed monthly payments for US Bank to stop reporting XXXX XXXX 's personal loan account as being delinquent i.e. if she missed a XXXX XXXX monthly payment, next month she would have to pay a full {$800.00} to not be considered delinquent, and the next month she would have to pay {$1200.00} to not be considered delinquent. Unfortunately, XXXX XXXX was unable to make these cumulative payments in the amounts falsely purported by her US Bank representative. In XX/XX/XXXX, XXXX XXXX 's personal loan account was placed in a " charge off '' status ; ultimately, a {$1700.00} settlement was reached with US Bank in XX/XX/XXXX that XXXX XXXX successfully paid off. With proper counseling after a XX/XX/XXXX credit pull for an apartment rental, XXXX XXXX has been informed that she would have been able to make payments of her regular monthly amount on this personal loan account in order to not be considered delinquent beyond the XXXX XXXX month that she was unable to make a payment and was denied both forbearance or deferral. The XX/XX/XXXX report also shows that US Bank continues to report XXXX XXXX 's personal loan account as in an active " charge off '' state at the time it was pulled, despite the settlement coming 4 full months earlier in XX/XX/XXXX. Both issues of falsely purporting that forbearance/deferment, as well as the issue of continued false reporting of the " charge off '' state, are at issue on this account for XXXX XXXX. Ultimately, USBank continues to harm XXXX XXXX 's credit, both by denying her the ability to be afforded her contractual right to forbearance and/or deferred payments without negative credit reporting, and USBank also continues to harm XXXX XXXX 's credit to maintain her account in a " charge off '' status after both parties have engaged in a bilateral settlement agreement. Additionally, on XXXX of XXXX, XXXX XXXX sought forbearance and/or deferred payments on a US Bank credit card account due to unemployment challenges stemming from COVID-19. XXXX XXXX was again misinformed by USBank staff in person, and not permitted to place the account into forbearance or obtain deferred repayment. As a result, XXXX XXXX 's credit card account was reported by USBank as delinquent, when no negative reporting would have been more appropriate given that XXXX XXXX was negatively impacted by XXXX and sought a short term forbearance or deferment. XXXX XXXX requests that this account reflect forbearance being granted for all payments between XX/XX/XXXX to XX/XX/XXXX, ultimately reporting on time payments and correspondence with US bank XXXX this period, in order to reflect her attempt to obtain her contractually obligated right to forbearance or deferment during this period. Upon receiving her updated credit report during an apartment application in XX/XX/XXXX, XXXX XXXX sought counsel about the reasons for her low credit score. XXXX XXXX, along with XXXX XXXX, reached out to US Bank both via phone and writing over a dozen times in XX/XX/XXXX and XX/XX/XXXX to request resolution for their errors at the lowest level possible by directly engaging the USBank and XXXX teams ; during these correspondences, XXXX XXXX offered to compensate USBank for monies that they felt they may have been owed on either account in exchange for accurately representing that XXXX XXXX 's credit reporting should not reflect any missed payments after she sought forbearance/deferment. When XXXX XXXX and XXXX XXXX spoke with US Bank 's legal team " XXXX '' in XX/XX/XXXX, the latter initially recognized that XXXX XXXX 's personal loan account in a " charge off '' status should be modified and agreed to look into the other concerns. However, US Bank made no attempt to investigate upon frequent follow up calls from XXXX XXXX and XXXX XXXX, and merely obfuscated their error by having US Bank refer XXXX XXXX to XXXX and XXXX refer XXXX XXXX to US Bank. After a multitude of attempts via phone, XXXX XXXX sent a written request sent via fax regarding her accounts on XX/XX/XXXX, US Bank bizarrely responded with a letter indicating that no mistakes were made by their team on XX/XX/XXXX ; this letter asked XXXX XXXX to direct her inquiry to a USBank line of business that she had already corresponded with. As a result of XXXX XXXX 's fatigued with US Bank 's games and obfuscation, XXXX XXXX relies upon reporting these matters to the Consumer Financial Protection Bureau to gain the reasonable resolution of returning her reported credit scores to a status showing correspondence and accurate payments on each of her US Bank accounts dating back to XXXX. On XX/XX/XXXX, XXXX XXXX submitted complaint XXXX on XXXX XXXX 's behalf, and included a letter demonstrating XXXX XXXX 's authorization for XXXX XXXX to represent her interests regarding USBank 's failure to resolve her complaints mentioned herein. USBank incorrectly purported that they needed authorization to address XXXX XXXX 's complaint, and unilaterally ended the complaint process. This complaint is resubmitted so that USBank properly attends to XXXX XXXX 's concerns. | ||||||
| 06/28/2019 | Yes |
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Web | Older American |
| ON SATURDAY XXXX XXXX, 2019 I RECEIVED A CALL FROM XXXX XXXX XXXX ( XXXX ) SAYING THAT THERE WAS A CHECK SENT TO ME AT THE XXXX XXXX BRANCH. RECEIVING A CHECK ADDRESSED TO ME AT A BRANCH OF XXXX IS NOT CUSTOMARY. I DROVE TO THE XXXX BRANCH AT XXXX XXXX XXXX XXXX, XXXX, IL XXXX AND PICKED UP THE CHECK. I WAS EXPECTING A CHECK FROM XXXX AROUND THAT DATE. I HAD CLOSED A CHECKING AND SAVINGS ACCOUNT AT XXXX ON OR AROUND XXXX XXXX, 2019. I WAS NOT HAPPY WITH THE CUSTOMER SERVICE THAT I WAS RECEIVING FROM XXXX. I ASKED FOR THE MONEY IN MY ACCOUNTS AT XXXX. I WAS TOLD THAT I WOULD HAVE TO WAIT FOR AT LEAST A WEEK FOR ANY DEBIT CARD OR CHECKS OUT STANDING TO CLEAR. SO WHEN THE XXXX BRANCH ON XXXX XXXX CONTACTED ME I ASSUMED THAT THIS WAS THE CHECK THAT I HAD BEEN WAITING FOR. I PICKED UP THE CHECK AT THE XXXX XXXX XXXX BRANCH AND NOTED THAT THE CHECK WAS MADE OUT TO ME, WITH THE XXXX BRANCH ADDRESS. THE CHECK LOOKED ODD. THE XXXX BANKER AT THE XXXX XXXX BRANCH COMMENTED THAT THE CHECK LOOKED LIKE A XXXX XXXX CHECK. I HAD NEVER HEARD OF XXXX XXXX. HE TOLD ME THAT XXXX XXXX OFTEN HANDLES FINAL SETTLEMENT CHECKS WITH FORMER XXXX CUSTOMERS THAT QUIT THE BANK. THIS PERSON 'S NAME IS XXXX XXXX. HE IS A BANKER AT THE XXXX XXXX XXXX BRANCH BANK. THE CHECK WAS MADE OUT TO ME FOR {$2300.00} I THEN DROVE TO THE US BANK BRANCH AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX WHERE I HAD PREVIOUSLY OPENED A CHECKING AND SAVINGS ACCOUNT. I WORKED WITH XXXX XXXX, ASSISTANT BRANCH MANAGER TO OPEN THE TWO ACCOUNTS AND SHE WAS THERE THE DAY THAT I CAME IN TO THE BRANCH TO DEPOSIT THE CHECK REFERENCED HEREIN THAT I HAD PICKED UP FROM XXXX ABOUT AN HOUR BEFORE. I WAS TOLD THAT THE FUNDS FROM THIS CHECK WOULD NOT BE AVAILABLE UNTIL THE CHECK HAD CLEARED WHICH WOULD REQUIRE 1-2 DAYS OF RESEARCH. I TOUCHED BASE WITH US BANK ON DAY 1, WHICH WAS MONDAY XX/XX/XXXX AND AGAIN ON DAY 2 WHICH WAS TUESDAY XX/XX/XXXX. I WAS TOLD ON TUESDAY XX/XX/XXXX THAT THE RESEARCH HAD BEEN COMPLETED AND THE CHECK HAD CLEARED. I THEN COMMENCED TO USE MY US BANK DEBIT CARD AND WRITE CHECKS ON MY US BANK CHECKING ACCOUNT TO PAY MY RENT, UTILITIES, ETC. ON WEDNESDAY XX/XX/XXXX, I WAS TOLD THAT THE CHECK HAD BOUNCED. THAT MEANT THAT ALL OF THE DEBIT CHARGES AND CHECKS THAT I HAD WRITTEN WOULD BOUNCE ALSO. I WENT INTO THE BANK TO TALK TO XXXX XXXX THE ASSISTANT BRANCH BANK MANAGER. SHE WAS NOT IN THAT DAY. I SPOKE WITH XXXX XXXX, PERSONAL BANKER, AT THE US BANK BRANCH ON XXXX XXXX XXXX XXXX XXXX. HE TOLD ME THAT I NEEDED TO COME BACK TO THE BANK WHEN MS XXXX WAS THERE AND THAT SHE WOULD WORK WITH ME TO RESOLVE THIS ISSUE. I RETURNED THE FOLLOWING DAY TO SEE MS XXXX. SHE INFORMED ME THAT US BANK HAD ELECTED TO CLOSE BOTH MY CHECKING AND SAVINGS ACCOUNTS AND THAT I OWED US BANK {$2300.00}. I FILED A COMPLAINT WITH THE XXXX XXXX POLICE DEPARTMENT ON XX/XX/, 2019. OFFICER XXXX. XXXX TOOK MY INFORMATION AND ASSIGNED A POLICE REPORT NUMBER XXXX TO THIS CASE. OFFICER XXXX ADVISED ME TO CALL US BANK 'S FRAUD DEPARTMENT AND THE CFPB IMMEDIATELY, WHICH I HAVE DONE. US BANK PROVIDED A COPY OF THE CHECK IN QUESTION TO ME. HOPEFULLY IT IS ATTACHED TO THIS DOCUMENT. THE FOLLOWING COMMENTS RELATE TO THIS CHECK : 1.PLEASE NOTE THAT IN THE CENTER ABOVE THE PAYTO LINE ARE THE WORDS " US BANK NA ''. FROM MY OWN INVESTIGATION IT APPEARS THAT THE XXXX XXXX IS AN AFFILIATE OF US BANK. THE CHECK ORIGINATED IN US BANK AND BOUNCED WITHIN US BANK. 2. PLEASE NOTE THAT THE CHECK IS MADE OUT TO ME. IT WAS MAILED TO OR DELIVERED TO XXXX XXXX XXXX XXXX XXXX, IL XXXX WHICH IS THE ADDRESS OF THE XXXX BRANCH BANK ON XXXX XXXX THAT I FREQUENTLY USED. SO XXXX XXXX/US BANK SENT A CHECK TO ME AT THE XXXX XXXX XXXX BRANCH BANK FOR {$2300.00} 3. PLEASE NOTE THAT THERE ARE STATEMENTS PRINTED ON THE CHECK THAT POINT TO A CHUMMY RELATIONSHIP BETWEEN XXXX AND US BANK. THE FIRST IS AT THE TOP OF THE CHECK : " PLEASE POST THIS PAYMENT FOR OUR MUTUAL CUSTOMER ''. WHO DOES THAT STATEMENT REFER TO? I AM CERTAINLY NOT THEIR MUTUAL CUSTOMER. PERHAPS MS XXXX XXXX, THE OWNER OF THE ACCOUNT AT XXXX XXXX XXXX, IS THE MUTUAL CUSTOMER? I DONT KNOW MS XXXX. THE LOWER RIGHT HAND SIDE OF THE CHECK CONTAINS THE FOLLOWING LANGUAGE : " THIS CHECK HAS BEEN AUTHORIZED BY YOUR DEPOSITOR ''. WHO DOES THIS COMMENT REFER TO? WHO IS " YOUR DEPOSITOR? '' I WAS TOLD BY US BANK 'S FRAUD DEPARTMENT THAT MS XXXX PLACED A STOP PAYMENT ON THE CHECK WHEN SHE WAS INFORMED THAT THIS CHECK HAD BEEN CASHED BY ME. THIS STATEMENT RAISES A WHOLE SLEW OF QUESTIONS. WHO WROTE THE CHECK IN THE FIRST PLACE? DID MS XXXX WRITE IT? DID SOMEONE ELSE WRITE THE CHECK WITH OUT MS XXXX 'S APPROVAL? I DONT KNOW THE ANSWERS TO THOSE QUESTIONS. FINALLY, MY LAST EXHIBIT IS AN EMAIL FROM US BANK TO ME INFORMING ME THAT I HAD REQUESTED THE ADDITION OF A PAYTO ACCOUNT TO MY US BANK ACCOUNT. THE PAYTO ACCOUNT WAS FOR A XXXX XXXX, BUSINESS CHECKING ACCOUNT. I MADE NO SUCH REQUEST. THIS REQUEST WAS MADE BY SOME OTHER PARTY IN AN ATTEMPT TO DRAIN MY CHECKING ACCOUNT AND MAKE OFF WITH MY ENTIRE ACCOUNT. MY COMPLAINT IS THAT US BANK OWES ME {$2300.00} THE FAKE CHECK CAME FROM WITHIN US BANK AND WAS SENT TO ME. US BANK SHOULD HAVE BEEN ABLE TO DETERMINE THAT IT WAS A FAKE CHECK DURING THE 1-2 DAY RESEARCH PERIOD, ESPECIALLY SINCE THE FAKE CHECK ORIGINATED WITHIN US BANK. US BANK HAD TOTAL CONTROL OVER THIS WHOLE MATTER AND QUITE FRANKLY BLEW IT. BLAMING ME FOR THE LOSS IS IMMORAL AND REPUGNANT. I HAVE SINCE BEEN INFORMED THAT US BANK HAS TURNED THE MATTER OVER TO A COLLECTION AGENCY. SO NOW US BANK IS TRYING TO HARM MY CREDIT SCORE BY FILING FALSE INFORMATION TO THE CREDIT AGENCIES. | ||||||
| 12/15/2023 | Yes |
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Web | Older American |
| Below is a description of the incident explaining how I became a bitcoin ATM victim, which was stated in my IC3 complaint I filed with the FBI on XX/XX/XXXX, the day after I lost {$19000.00} from my money market account ( " savings account '' ) at US Bank. I have yet to receive any response from the FBI regarding my IC3 complaint. On XX/XX/XXXX, I called the US Bank Fraud Dept and verbally reported a fraud claim and on XX/XX/XXXX, I submitted a written fraud claim form to US Bank together with a copy pf my IC3 complaint and other related supporting documents. On XX/XX/XXXX, I called US Bank to check the status of my fraud claim and was told by a fraud investigator that my claim was denied because I withdrew the money from my savings account. In response, I told her that I was under DURESS when I withdrew my money and that I did it to save my money, {$20000.00}, at my savings account. And I told the fraud investigator at US Bank that there was no single security alet sent to me by US Bank when my savings account was compromised by hackers/ scammers on XX/XX/XXXX and that had I received a single security alert from US Bank XXXX I could have avoided being a victim of this so-called bitcoin ATM scam. Below is what I stated when I filed my IC3 complaint with the FBI on XX/XX/XXXX. My name is XXXX XXXX XXXX, and I am an XXXX with offices in XXXX XXXX, California. My office address is XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I am filing this complaint because as a victim of computer data breaches, bank fraud and Bitcoin ATM scam, I lost {$19000.00} to a group of scammers on XX/XX/XXXX. On XX/XX/XXXX, at XXXX am, while working at my office, my desktop computer was locked all of a sudden and stopped working with a warning sign of data breaches and hacking alert. The warning sign says that I should not close the screen and contact XXXX at XXXX XXXX to fix the problems. I called ( from my cell phone ) XXXX at the number provided in the warning notice and was able to connect with a lady named XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Employee ID : XXXX. XXXX guided me through the whole process to fix the problems for 2-3 hours. She gave me her name, her XXXX Employee ID number and secure phone line number, which is XXXX and told me to reach out to you if I have any more securtiy problems. XXXX also told me that she would serach for any financial hacking. Soon thereafter XXXX informed me that hackers gained access to my U.S. Bank money market account and suggested me that I should talk to the Fraud Department of US Bank. She requested me to give her US bank phone number. She told me to find the bank phone number from my US bank debit card. After I gave her the US bank phone number, she directly called US Bank to connect me with the Fraud Dept. I was not given a chance to directly call the Fraud Dept. From that point on, I was transferred to XXXX 's secure phone line number listed above ( XXXX ). While I was on the phone, a guy started talking to me by introducing himself as an employee with the US Bank Fraud Department. He warned me that hackers contacted the US Bank at XXXX XXXX on XX/XX/XXXX to have access to my money market account to withdraw {$20000.00} for the purchase of Bitcoins. US Bank, once verifying all personal information about me, was ready to authorize their {$20000.00} withdrawal request. When I asked him what his name is, he said his name is XXXX XXXX. Yesterday, XX/XX/XXXX, when I reported this incident to the Fraud Dept. of US Bank, I asked a lady named XXXX if a XXXX XXXX works at the Fraud Dept. I was told there is no such person working at the fraud department. This guy, XXXX XXXX, brought another lady to this scam alleging she's working for the FTC. She told me to buy bitcoins with {$20000.00} I withdrew from my bank account no later than XX/XX/XXXX not to lose {$20000.00} at my US Bank money market account. I followed their nstructions and went to US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX mile away from my office and withdrew {$20000.00} in cash. And the lady allegedly working for the FTC asked me to go to a XXXX Bitcoin ATM located at XXXX XXXX XXXX XXXX, LA. When I got there, XXXX XXXX started giving me the instructions about how to buy bitcoins from a ATM and around XXXX XXXX. tht were sent to a wallet OR Code XXXX XXXX emailed to me. At the time, I did not know what a waller is for because I had never purchased bitcoin before. After I got home from XXXX Bitcoin ATM, I became suspicious about the three persons I had dealt with for several hours in the afternoon and called the secure phone line XXXX employee XXXX gave me, but no one answered. Late at night, I sent a text message to XXXX asking for cancellation of my bitcoin purchase transaction and the next day I received a text message from XXXX that this transaction became final. On XX/XX/XXXX, I called US Bank and verbally reported this incident to the Fraud Department and I also called XXXX to verify that a lady named XXXX XXXX is working for XXXX. I have not received any ansewers to this question from XXXX. __________________________________________________________________ XXXX Complaint Financial Transaction ( s ) Transaction Type : VirtualCurrency Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : US Bank Recipient Bank Name : XXXX Bitcoin ATM Recipient Account : Wallet Number : XXXX XXXX I would agree to have the CFPB publish my case only after my personal information is deleted. Please check with the FBI whether they have reviewed my IC3 complaint. Thank you. | ||||||
| 01/21/2021 | Yes |
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Web | Older American, Servicemember |
| In XX/XX/XXXX, US Bank contacted me to ask if I were interested in a forbearance plan for my HELOC. I contacted US Bank to ask about the forbearance plan for my HELOC account XXXX. I was told, that by entering into a forbearance plan, there would be no negative impact on my HELOC or on my credit score. I was told that interest would be deferred and a payment plan would be worked out at the end of the plan and that no other negative actions would occur. I agreed to do this, since I did not know if my income would be affected by COVID. On XX/XX/XXXX, I received a letter from US Bank confirming the forbearance plan for my HELOC. Fortunately, my income ended up being sufficient enough so that I could make my HELOC payments and I never did use the forbearance option. I have and continue to make payments of {$500.00} per month, p and i, even though my monthly minimum payment is only about {$100.00}, hoping by doing this that I am reducing my principal balance on the HELOC. In XX/XX/XXXX I received a letter from US Bank outlining that I had no obligation to make payments for the HELOC for 3 months ( XXXX, XXXX, XXXX XXXX. I called US Bank on XX/XX/XXXX and advised them that I was not going to use the forbearance plan any longer and that I could make payments. On XX/XX/XXXX, US Bank sent me a letter stating that my HELOC forbearance were extended for 3 more months ( XXXX, XXXX and XXXX, XXXX ). On XXXX XXXX, XXXX, I received another letter from US Bank stating my forbearance was extended for another 3 months ( XXXX XXXX XXXX XXXX XXXX. This was long after I advised them that I wanted to terminate the forbearance plan. I received a similar letter dated XX/XX/XXXX, again advising that my forbearance plan was extended through XX/XX/XXXX. On XX/XX/XXXX, US Bank sent me a letter advising me that I have " accepted '' an extension on my forbearance of my HELOC. ( This is AFTER I told them on XX/XX/XXXX, that I wanted to terminate the forbearance plan. ) In this letter, US Bank advised me that it had suspended my ability to request advances on my line. US BANK DID NOT ADVISE ME THAT IT HAD REDUCED MY AVAILABLE CREDIT ON THE HELOC TO {$0.00}. ) The letter said that I could not obtain funds via ATM, credit cards, debit cards, branch advances, telephone or electronic transfers, etc., effectively limiting my access to funds completely! I filled out a form called a " HELOC Reinstatement Request Review Form '', requesting that US Bank " reevaluate the HELOC for reinstatement of credit advance privileges ''. I sent this form to US Bank on XX/XX/XXXX. On XX/XX/XXXX and XXXX, XXXX, US Bank sent me two similar letters granting my request to terminate the forbearance program. The letters did not mention anything about NOT granting advance privileges on my HELOC. Since XX/XX/XXXX, I have made over 20 calls to US Bank and talked to their customer service, credit specialist, collections, forbearance, loss prevention, loan servicing, default counseling, and other departments. I have been put on hold for hours at a time, and transferred repeatedly from one department to another to try to ascertain why my available credit on the HELOC was still {$0.00}. In XXXX, I spoke with a customer service representative that said she would make sure my account was in an active status. On XX/XX/XXXX, I spoke with a credit specialist, XXXX, ( XXXX ) who said my credit availability was set to $ XXXX ( the original amount ), that my monthly payments were reallocated properly to principal and interest, and that I would have access checks and an access card sent to me. I received the access checks, but nothing else was changed on my account. On XX/XX/XXXX, I spoke to XXXX, credit specialist ( XXXX ) who said she would submit a form to reinstate my credit under the HELOC to $ XXXX, and that the account would be changed from " pay down '' to " open ''. She said this would take 2 hours before showing up on my online account to view. She said she would order an access card and that my checks were ok to use now. On XX/XX/XXXX, I used a HELOC access check to pay for a home improvement for shades for windows. I called US Bank and the vendor on XX/XX/XXXX, and was told the check had bounced, because there were no available funds in my HELOC account. Today, XX/XX/XXXX, I have spent over 5 hours on the phone to US Bank trying to get this straightened out. I still am unsuccessful and am constantly transferred from one department to another. The last person to whom I spoke was XXXX ( employee ID XXXX ) in the customer service dept ( XXXX ), today he advised me that he would look into my account and see if he can restore my credit line and would also reverse any fees for my bounced check. He said he would call me back in 5 days to confirm. I am not holding my breath. The customer service is terrible. The bank has illegally denied me credit without an approved reason through an approved HELOC, a violation of the Equal Credit Opportunity Act and Regulation B. Since I am also a XXXX XXXX, this may be a discriminatory action, and also would constitute and unfair and deceptive practice under the consumer protection laws. I want my available credit restored, and an access card to my HELOC provided to me. I want proof this has not affected my credit scores or my availability to credit. I also want US Bank to pay any fees associated with the bounced HELOC access check. And I want an apology and assurances that this type of nightmare will not happen to someone else. If necessary, I will take this to the local media. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX | ||||||
| 09/03/2021 | Yes |
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| It's the second time I submit this complaint. The former case number is XXXX. I will just repeat what happened in the following. On XX/XX/XXXX, I opened a U.S. Bank checking account online. It happened that my friend who just came to the United States. Before he came to United States, I helped him pay some rent and some service fees and he owed me XXXX dollars. So he added my U.S. Bank checking account to his payroll profile on that month to pay off what he owed me. On XX/XX/XXXX, I received a XXXX dollar direct deposit in my checking account. Since he just came here, he was not familiar with services such as XXXX XXXX so he used this way. On XX/XX/XXXX, I received a call from the fraud department of the bank and they asked me the details about this transaction. They say the name on that transaction didn't match to me so they doubt it was a fraud. Then they notified me my checking account was suspended and I can not withdraw or make deposit into my account, and they even locked my online account so I even can not access to my both my checking account and credit card. They told me the only way to unlock my account was to return that XXXX dollar to the original sender. I totally understand this decision so I waited for them to return the direct deposit to my friend and then unlock my account. After that, I contacted them at least ten times, I even went to their branch once, which is 80 miles away from my home. They just told me they were in the process returning the deposit, and I just need to wait, they didn't how long it would take. One of their staff even tried to blame me and say some unfriendly words to me. On XX/XX/XXXX, I received a paper mail from the bank and I was notified that my checking account was in the process of closing due to irregular activity. I contacted them again and again, they just told me they will return all the remaining balance before they terminate my account. On XX/XX/XXXX, I received an email from the bank and told me that there is a XXXX withdraw. Then one week later I received a check of XXXX dollars, that was the deposit I made when I opened the account on XX/XX/XXXX. Another paper mail came on middle of XXXX, saying that my account was officially terminated. I contacted them to check the status of the XXXX dollars, they told me it sent back to the original sender. I asked my friend to call his payroll department, he told me the central payroll of his institute didn't receive any refund related to him. I contacted the bank again, like the one hundred time -- I don't remember the exact time I called them. They suggested me go to branch to talk with banker there. Then I drove 80 miles to the branch on XX/XX/XXXX, the banker there told me they knew nothing and they could do nothing. They helped me contact fraud department, the answer was still they returned the XXXX to the original sender. But they refused to provide any details. The banker told me if I have any questions I could call fraud department again. I felt that they didnt really care about my feeling, I am just like a basketball to be passed from one to the other, again and again. On XXXX, I submitted the first complaint. I got the following replies. ( 1 ) The section of the Agreement titled Closing Your Account outlines our policies and states that we can close your account for any reason, or no reason at all. -- -- -I believe this totally violated consomers ' right. You are financial institution, not bandit. ( 2 ) The remaining {$2000.00} was placed into a general ledger account held within the bank, as the funds will be returned to the originator. -- -What does the second half of the setence mean? You will return or not? ( 3 ) Although this process can take an extended period time, we suggest that you recommend your friend contact their payroll department, who can work with their financial institution, and request them send U.S. Bank the Letter of Indemnity ( LOI ). -- -- What is that? What does " extended period time '' mean? Any timeframe if you relly gon na return it. ( 4 ) It should be noted that U.S. Bank sent this information to the originators financial institution in XX/XX/XXXX, but they never responded to our request. -- -- - What does the information mean? What you should return is money, not information. It's you suspect this is a fraud, you need to take full responsibility for it. They did't reply, why? You really sent or not? ( 5 ) If you have further questions, please contact U.S. Bank Customer Service at XXXX XXXX XXXX XXXX, where representatives are available to assist you 24 hours a day, seven days a week. -- -- -I called this number several times and they just transfer me to fraud department again. What I got is " I don't know. '' " We will hold the money forever. '' " Your friend need to be worried, not you. '' You ask me to call the number, and that was how I was treated. Another four months passed. My friend tried to contacted the HR department. But they can not help. They said they didn't get any information. It's pandemic and almost every one work from home, it's really hard to reach these staff. I really hope your side could be more helpful. I have documents prove that the transaction just like what I said. And it is my money. Even think in other way, the XXXX University, where my friend worked, didn't take any action if you really sent it back or sent it the request, suggested that they believe there is no anything inappropriate. Then why can not you just return the money even to me and make the thing so complicated and I am totally mad. You will hold it like forvever? | ||||||
| 07/04/2023 | Yes |
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Web | Older American |
| U.S. Bank is continuing to charge me for a {$5.00} charge that was paid off and verified with a hand written receipt from my branch manager XXXX XXXX at the XXXX XXXX. branch in XXXX XXXX, CA. The debt I have been trying to pay for weeks on end, that nobody over the phone or inside the XXXX XXXX XXXX branch closest to me, including the manager was able or knew how to take on a closed account, was finally addressed by the bank stating that XXXX XXXX could take the payment. I paid the debt inside my branch on XX/XX/XXXX and have a dated hand written receipt since they still have no way of paying the debt within the banking system on closed checking accounts which they closed on me without reason or explanation. The account was in good standing with a positive balance when they closed it on me. On XX/XX/XXXX the bank responded with a letter to my complaint with the XXXX that not only do I still owe the {$5.00} that I paid on the XXXX, but that they are also adding on an overdraft fee of {$30.00} bringing the total to {$35.00}. XXXX, the branch manager apologized for the inconvenience on the XXXX and told me everything was settled and at a XXXX balance. This bank is continuing to threaten collection by breaching my {$50000.00} CD account, reporting me to collections and 3rd party credit bureaus and therefore ruining my credit over a debt I have already paid. Something told me this was going to happen since they obviously have no way of erasing this charge within the banking system itself on closed accounts that mind you, that they closed on me. I never wanted to close the account I have had for over a year without any issues. I have good reason to believe they do this to breach CD accounts, profiting off the early withdrawal fee they are hoping the customer incurs before the bank closes the account and ties up their funds for months before refunding. I am convinced that all 4 of my other accounts that were all in good standing would still be open had I not invested in the CD which triggered all the account closures. This explains why they have no reason for any of the closures. The employees at my branch are just as baffled as I am and they have nothing to do with any closures as this comes down from corporate. How can I get them to credit my payment, drop the overdraft fee that should not have happened because the debt was already paid, and isn't it illegal to double charge a customer plus an extra {$30.00} for a {$5.00} debt that has already been paid and settled that they are refusing to acknowledge payment? I am XXXX XXXX XXXX and this is continuing to affect my health and well-being on a daily basis since they not only gave me no way to pay the debt for weeks on end until I filed the complaints, but now that it's paid, they are continuing to not credit or honor my payment and adding additional charges to a debt I have already settled. I am positive they are doing this so they can breach my CD account so it won't be allowed to mature as stated in the contract. Can your bureau please stop the harassment as this constitutes unwarranted XXXX financial abuse of a XXXX citizen who has done nothing wrong and has paid all outstanding debts that they are refusing to honor. I just want them to be fair and credit my payment, stop threatening collections and closure of my {$50000.00} CD account that I want left alone until maturity in XXXX. It's my very 1st CD and I purchased a 7 month maturity date. I want them to honor the contract for the CD as they should so I can make the interest they promised without them continuing to not honor payments for debts that have been paid, double charging me for the debt, adding on additional charges to the paid off debt and continuing to threaten breach and closure of an account I shouldn't have to continually worry about on an on-going basis. I implore your bureau to please consider how unfair, unethical, as well as illegal this bank is acting by not crediting my paid off debt as they should as well as honoring my investment account without threats that they are using to get me to close my CD early. The on-going harassment has been unbearable and something they shouldn't be imposing on someone who has done nothing to deserve it. Please investigate other large CD accounts held by US Bank customers, especially seniors, as I presume it's very likely they are experiencing the same unfair tactics this bank is still imposing on me by not crediting payments that have already been paid. I don't know what else I can do to make them erase a debt I paid in good faith and to stop harassing me about my CD as soon as it matures as it should in XXXX, I will take my interest and principle to my current bank and never bother them again. It can't possibly be legal what they are doing to me. I paid off all my debts with them and they refuse to credit the payment I have a receipt for from the manager! They are charging me AGAIN plus additional fees for what is already settled and paid in full. Please inform what I can do about the on-going stress, threatening letters, and constant worry this bank has unfairly and illegally imposed on my daily life. No financial institution should be allowed to cause this kind of undeserved grief and confusion to anybody, let alone a XXXX citizen who's retired and doesn't have many years left. The bank is committing fraud against it's own account holders for profit and gain while the customer loses what he/she was promised in a legal and binding contract. Please consider these actions a serious offense that turns account holders into victims. Thank you. | ||||||
| 10/05/2023 | Yes |
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Web | Servicemember |
| I am currently XXXX outside of the United States with the military. Two days after arriving in country I finally had cell service to receive a voicemail from US Bank regarding card fraud. I called the US Bank XXXX number and was told two days after I arrived in country for XXXX that my credit card was used to make a {$10.00} purchase at XXXX XXXX in the state of Georgia ( I reside in XXXX state ) . On the XXXX call around XXXX XXXX I explained to the representative that I am XXXX in a foreign country and this card is the form of funding I brought with me and the billing card for all of my autopay bills in the US while I am gone. I asked her to see if the bank could do anything about NOT cutting my card off. She understood my situation and put me on hold. She came back approximately 5-10 minutes later letting me know she spoke with the fraud team and they approved NOT cutting my card off due to my situation, but to monitor my account and call back ASAP if other fraudulent charges appear. Less than 30 minutes after getting off of the phone with this first representative and extremely happy they did not cut off my only personal card overseas and my billing card for everything back home, I received a notification from my XXXX XXXX saying the card was no longer active. Approximately XXXX XXXX on the same date, I called back to ask why my card was cut off when I was just told they would keep it on due to my XXXX circumstances. The representative this time said they can not keep my card on and policy would only be to extend the card for 10 days. She was not sure why I was told my card would stay active but that it has been cut off and a new card number was issued. She let me know there was no way to reactivate the previous card at this time. I made sure to explain that I am XXXX for 6 months and now without a card. I requested a new card be sent to my residential address in XXXX ( different from my home address on file ) so that my spouse could either verbally give me the numbers to change all of my autopay bills at least OR be able to send the physical card with our last remaining group deploying and coming to the same country as me this week. She assured me the card had been ordered to my correct address and would arrive by XXXX. On XXXX at approx XXXX PST and XXXX at approx XXXX XXXX I called to check on the card as my spouse confirmed it had not yet arrived at my home address. Both times I was told it is still en route to your home and due to it being the weekend I should " give it until tomorrow ''. I was told both times by different representatives that if I did not see it by XXXX the next day to call back. Both ladies noted there was no tracking number due to the card being sent by USPS but they could see that it was labeled as shipped to my Washington address. On one of these calls they read the notes and told me " someone called and was mad the card got cut off '' and I explained yes I was upset that I am out of the country for 6 months with no card and was told they would keep the card active only to have it shut off in 30 minutes. On the XXXX call I was told at one point that the card had been marked received and activated. I harped on the fact that we had one more group of individuals coming to the same country as me and that my spouse would have the chance to give someone my card to bring me if it was received this week. This was very important to the shipping date of the card and the fact it was supposed to be there on XXXX. No one could provide a tracking number throughout any of the phone calls. My final call on XXXX I explained all of the above conversations to the representative. She pulled up the account and said NO CARD WAS EVER SENT. I continued to ask if there was no card sent then how are these other representatives telling me dates it would arrive, confirming it was shipped to my residential address ( again different than on file ), and that it is in the mail but must be delayed. She apologized and said the process was started but the card was never sent after the first call because I " could not receive mail ''. This was NEVER a topic of conversation as I had asked from the very first call after cutting off my card that it was sent to my residential address where my spouse can receive it. I never asked for the card to be mail to me out of country as it would take months and potentially never get here at all. After my final phone call on XXXX I received a confirmation email approximately 10 minutes later that a new card was ordered. It took 7 days and 5 different customer service reps to finally determine my card had NEVER been shipped. Not a single one of these representatives understood the urgency and importance of getting a card to my spouse in order to send it with our next group shipping out. In the last 7 days I have had notifications from multiple utilities and companies that my Autopay bills were denied because of this situation. I have immaculate credit and now am receiving unpaid bill notices due to US Banks carelessness. I have been a loyal US Bank customer for 20+ years, however, due to the mishandling of this situation, when returning home from this XXXX I will be changing banks to ensure this situation never happens again. PLEASE do retraining with your customer service reps. Don't placate customers and tell them " Its delayed in the mail '' if the notes say a card was never shipped. Do your research on the customers situation. I should have had to go through 5 customer service reps during a week to ensure MY card was mailed to my home. | ||||||
| 10/12/2021 | Yes |
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| I received a letter in the mail from US Bank in early XXXX that stated my credit card had been closed due to inactivity. When I had time to call them, I contacted the US Bank credit card company to request to re-open my closed account. I called on XX/XX/XXXX to make this request and was told I was not able to re-open the card/account over the phone and that I would have to submit either a letter in the mail or via fax to request the account be re-opened. I was told I needed to include the request as well as my annual income, whether I rent or own, and my portion of the monthly mortgage/rental payment. I was not informed of this needing to be done by a specific timeframe. I submitted this request via fax on XX/XX/2021. When I called in to verify my fax was received, I was told I would receive something in the mail as to the decision. The decision I received was that I was outside of 30 days and could not re-open the account. I wanted more information and to express frustration at not being told about needing to have this done in 30 days, so I reached out to US Bank again. The person I spoke to on the phone that day for about 30 minutes tried to explain the process, but during the phone call, realized I attempted to re-open the account over the phone on XX/XX/XXXX but I was told that was not possible. She informed be that they absolutely could have re-opened the account over the phone and they would take another look at this because of the error. Naturally, I received a letter about one week later saying the request was outside of 30 days. I again called US Bank at this time ( XX/XX/XXXX ) to try to understand this as nothing more was said in the letter. I spoke to another female that morning that tried to explain that there was nothing they could do since it was outside 30 days ( despite multiple attempts within 30 days ). After the conversation going nowhere, I asked to speak to a supervisor ( the female I spoke to to begin the call was the 4th or 5th person to tell me something different about the process to re-open an account ). When speaking with the supervisor ( XXXX, I believe ), she informed me that it wasn't the fault of the first person I spoke to about saying the card could not be re-opened over the phone because, " They don't know that is an option. '' Of course, this was very frustrating as I was speaking to the credit card services for US Bank when I was told there was no way to re-open the account over the phone despite that absolutely being an option. As the phone call with the supervisor continued, I was told that the fax I submitted was outside of the 30 days window ( again, never informed of this in any letter about the account being closed or in my first phone calls with US Bank ). I asked the supervisor when the fax needed to be submitted, which I was told was XX/XX/XXXX. I told her that is when I submitted the fax as I submitted it from my office before I left for the day, and I did not work on XX/XX/XXXX, which is the day they claimed they received the fax. I asked her if I still had my transmittal page showing the date/time I sent the fax, if that would show I was within the 30 day window ( basically like a postdate on a letter ). She said that if I still had it, I should fax it in to show that it was sent on XX/XX/XXXX, not XX/XX/XXXX. This last Wednesday ( XX/XX/XXXX ), I sent the transmittal page in via fax and the reference number I was provided during my discussion with the supervisor. I called in today to just check whether they had received the fax or not, but was told they did receive but nothing could be done as it is outside of the 30 day period. I tried to discuss with the male on the phone ( XXXX, I believe ) what had transpired over, at this point, six phone calls I believe. He was intentionally vague and just said it was outside of 30 days so there is nothing that will be done at this point. I explained to him my numerous discussions with US Bank prior ( lack of knowledge by certain service members, being told numerous different conflicting things, what the last supervisor I spoke to told me I needed to do, etc. ) and that I was told if the fax shows it was XX/XX/XXXX, that would be within 30 days. After just trying to get me off the phone and telling me I have to apply for a new card, he said now the fax needed to be sent one day prior to XX/XX/XXXX. I pretty much gave up at this point and eventually hung up the phone. I have never seen such horrific customer service/knowledge of one 's product from a company in my life. They were all very nice over the phone and XXXX was somewhat professional enough despite trying to end the conversation 15 seconds into us talking but how am I the one being punished in a situation that I have tried to rectify over-and-over again based on the information I'm give that has been wrong each time. All I am trying to do is re-open an account that has been with US Bank for 12 years and each phone call has led to another incorrect statement or withholding information from the account holder. Simply put, if you are going to put a deadline on something, make the consumer aware of this deadline at any point between multiple phone calls and letters. And when you do wrong by telling your consumer something can not be done that easily could have been done that day within 5 minutes ( told to me by another US Bank representative ), just admit your wrongdoing and make it right. This account should have been re-opened within 30 days based on numerous attempts by me, but US Bank keeps finding ways to say no. | ||||||
| 01/01/2019 | Yes |
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Web | |
| NOTE : I have selected available options regarding the complaint but it is regarding the purchases that I did not make as the card was never used, activated or opened from the origina wrapper until XXXX - details below. COMPLAINT about Mastercard Gift Card but inside wrapper pamphlet says " US Bank Gift Card : Ok, so one more thing to do before the year end. I purchased 2 Mastercard gift cards in XX/XX/XXXX from XXXX ( I still have the original receipt ) mainly to use these cards for phone recharging and some online purchases. Before this I had purchased a similar {$200.00} Mastercard for the first time and was using it without any issues and since do small amounts in recharges the first one was still good and I had put away these other 2 gift cards in my safe box ie. I never opened them or activated them or used them. One thing I would like to mention is that I did not know myraid of " GOTCHAS '' these cards have and as the date of expiration on these is XXXX, I thought they were good as long as I did not activate and use them and never thought these are susceptible to fraud when they have not been activated or used. In fact when I search online ( and if you search online ) it seems that there have been thousands of users who have been defrauded. It is one thing when a card is active and used online and some thief or hacker gets a hold of the card number and uses it for fraudulent purchases - we all know this happens, but what if a card has never been activated or used for any purchases and put away in a safe with original wrapper unopened. How does a thief get a hold of the card information? It seems like this happens often ( specifically with Mastercard Gift Cards by US BANK ) and again if you go online you can see several forums where users discuss this. This is something I was not aware of. So, in XXXX XXXX I opened one of the 2 cards that I had in my safe ( in original wrapper ) to start using it and upon calling the phone number to check my balance I found that the card had been charged a " {$2.00} fee for each month '' for inactivity and almost half of the account had been drained by monthly inactivity fees. Again, I was not aware of this but I take responsibility for it although I would like to mention that it seems like a novel idea to charge someone for " not using a product '' - we all know companies charge for something when a product is used but how about charging someone for not using it? Is this done by design to make more money or does it really cost the bank in fees when the consumer is not using the service? However, the real issue here is that with regards to my 2nd card and when I checked the balance on that it had a balance of {$11.00} ( something like that ) and I was shocked. So, I called the customer service. Without going into all the details of the conversation which will make this even longer, he first told me that he did not know as there is history for only 24 months in the system. Then after I pressed him and told him that I never used the card before then said that the card was first used in XXXX of XXXX there were two charges for {$43.00} or something. So, I was not able to understand how he was able to get that information beyond 24 months which he was not willing to share first. Again, I would like to reiterate that I had never opened the wrapper, activated or used this card and I told him that and at that he said that he supected fraud and that he was going to lock the card and if I wanted to use the card I have to fax my original receipt and my address etc., so they can mail me a new card and when I asked him if it was for the original purchase amount of {$200.00}, he said no it would be for {$11.00}. I asked to speak with a supervisor and he said he would have someone call me back. Anyway, after that I spoke with 2-3 agents and they said they would refund me back the fees. Later I understood that by that they meant that they were " only refunding me the {$2.00} fee '' and not restore the original card. Different agents told me different versions. Anyway, I wanted to complain to CFPB about this since XXXX ( as you can see how long this is ) and just did not have the time to do so and wanted to this before the year end. The issue is that as of today, they have locked that card, ( even with what was left {$11.00} ) and for that it seems I have to fax them and write them, etc., I am not willing to do that and as I told the agent in anger they can keep that, since they have taken the rest already. This is disgusting and if you search online, this seems to happen a lot where theives steal money from " never used/inactivated '' cards and yet banks like US Bank and Mastercard continue to issue these cards every year but customers lose millions of dollars to fraud and fees. I hope they can resolve this and I hope that your agency will look into the whole issue of " GIFT CARD '' business where banks are profiting at the expense of customers with inactivity fees for " not using '' the service and of course the issue of fraud. Bottomline is that if they are willing to resolve and restore my original amount to that card or mail me a new card with the original {$200.00} purchase ( minus any monthly fees for inactivity, as absurd as they are and fees for not using a product ) I will fax them my original receipt and the mailing address, etc., and please provide me the proper contact phone number or email address and not your general phone system where I will have to go through the whole history again with another helpless rep. Thank You | ||||||
| 03/09/2021 | Yes |
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| I refinanced my mortgage XX/XX/XXXX, my mortgage was transferred to US Bank. This bank has been an absolute nightmare to work with. After my mortgage was transferred my first property tax payments were due on XX/XX/XXXX. I have two parcels of land, the first parcel payment was {$1200.00} and the second parcel was {$360.00}. US bank only sent payment for the second parcel of land. I received a letter from the XXXXXXXX XXXX XXXXXXXX that my tax payment was late. I called US Bank on XX/XX/XXXX to let them know they did not pay both tax bills. I was asked to fax in the tax bills and told they would contact the city for the payment amount with fees since the payment was late and the bill would be paid within two weeks. When I logged in to pay my XXXX mortgage payment I noticed the money for the second tax payment had still not come out of my escrow account. I called US Bank on XX/XX/XXXX to let them know the taxes were still not paid. After being put on hold I was informed that the request had been lost and not processed, but they didn't know why. They had a payment amount good until XX/XX/XXXX and the payment would be overnighted to the city. On XX/XX/XXXX the city still had not received the payment so I called US bank back and they told me they were still working on processing the check, even though they had assured me it would be overnighted on the XXXX. That bill was not paid until the XXXX of XXXX. Next, I received an escrow Analysis on XX/XX/XXXX, dated XX/XX/XXXX stating that I had a shortage of {$540.00}. Looking at the statement my city taxes were input incorrectly. After everything I had been through to get the taxes on my account corrected they were still wrong. The amount of {$1000.00} was put in for both parcels of land which lead to the shortage. This number was not correct for either parcel of land. I called US Bank on XX/XX/XXXX after reading the statement to let them know of the error. I started with the escrow department because it was an escrow analysis I received, after the man I spoke to insisted that the taxes they had were correct because they received them from the city he, transferred me to the tax department to get it straightened out. The tax department told me they had the right taxes and confirmed the amount with me that was on my tax bill and told me that someone from the escrow department must have put the figures in wrong and they had to correct it on their side. I was transferred back to escrow, escrow insisted the tax department had to make a change and transferred me back to the tax dept., when the tax dept. tried to transfer me back to escrow I refused and told him that they needed to figure it out and I was not going to be transferred again. He then put me on hold, called escrow, came back and told me that I would be getting a new escrow analysis in the mail in 2 weeks with the corrected shortage and new payment amount. Two weeks came and went and I received nothing from US bank. I then called on XX/XX/XXXX and spoke to XXXX from the solutions team and told her of my previous conversation and that I had not received my new escrow analysis. She informed me that US bank does not re-do escrow analysis, as that is a lot of work for the escrow team and that she could just give me my new numbers over the phone and I could log on and pay the corrected shortage of {$190.00}. I told her I wanted a new document outlining the new payment. She told me she would order a new statement be sent. Another two weeks came and went and I never received a new statement. On XX/XX/XXXX I called back to find out where my statement was and there was no request submitted for a new statement. I didn't have another two weeks to wait for something that was never going to come so while I was on the phone with the agent, he gave me the new figures for my escrow shortage and I paid the {$190.00}. He told me once the payment cleared that my new monthly payment would be updated on the website and to give it about 7 days. I checked on the 7th business day and the payment was still not updated for me to make my payment, so I called on XX/XX/XXXX to ask that my payment be updated. The first person I talked to told me it was because I didn't pay the entire shortage, I explained to her that escrow analysis was incorrect and new figures were given to me and that I was concerned that they did not show this. After putting me on hold for 27 minutes to do research, she then transferred me to the tax department and gave them zero information, so I had to explain all over again. Then was told they could not help me, the tax department transferred me to the escrow department, who again told me I didn't pay my entire shortage, once I explained yet again that the escrow analysis was wrong, XXXX put me on hold. She came back and told me the person I spoke to on XX/XX/XXXX put notes in but did not put in a request to have my payment updated so nothing was done. Now she was reaching out to her manager to see if a rush could be put on it. My Mortgage payment is due on XX/XX/XXXX. I have been trying to get this fixed since XX/XX/XXXX and still can not get the right payment amount updated so that I can pay my mortgage. I have no faith in this bank and do not think they should be handling people 's money. Not one person I have spoken to has given me correct information or done anything they told me they were going to do. I can not believe a bank is allowed to do business like this and the consumer has no recourse to such poor management on arguably the largest purchase anyone will make. | ||||||
| 04/21/2023 | Yes |
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| They force me into Default, claim its my fault, then get a sale date for my property, while IM TRYING TO PAY THEM MORTGAGE PAYMENTS!! They don't want monthly mortgage payments. They want a large lump sum of money all at one time. They only way to get that is the " force '' ne out of the home I own that I have been trying to pay them for since XX/XX/XXXX. XX/XX/XXXX The " servicer US Bank '' have put a lien and are forcing a sale of my Homestead property. Willfully violating Article X, Section 4 of the Florida Constitution which exempts homestead property from levy and execution by judgment creditors. This means that a creditor can not place a lien against or force the sale of your homestead to satisfy an obligation or monetary judgment. XXXX XXXX does not have a mortgage- see my XXXX credit report attached. XXXX XXXX 's primary residence is Homestead property - see attached receipt from XXXX XXXX XXXX XXXX. I want to save my home from this false foreclosure. The " bank servicer, US Bank '' falsely claims to be my " mortgagor '' to me as far back as XX/XX/XXXX by a false " Notice of Transfer & Reassignment Letter '' I received from them. Since then, for almost 5 years now, they have denied to me the : Right to make mortgage payments Right to a Modification Application processing Right to a Letter that Declares a Default Right to have a Face to Face Meeting with them before Foreclosing Right to obtain loan information from my Qualified Written Requests I sent Right to Homeowner Covid-19 Incentives and Monetary Relief Receive to access any assistance provided by the bank to help me stay in my home Name/Firm/Company representing them : XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Equity Skimming Disguised as a Foreclosure Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Website XXXX XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX Email : XXXX Name/Firm/Company : US Bank National and XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Subject/Category : Equity Skimming Disguised as a Foreclosure Street Address XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website XXXX XXXX : XXXX Date of Transaction : XX/XX/XXXX Amount Paid : XXXX Questions/Comments : Equity Skimmers They work together to steal the equity in your home ( get themselves a loan ) and stick the homeowner with the bill US Bank never secured interest in the first mortgage. US Bank " hid itself '' in the mortgage origination process as an investor and it funded the down payment assistance of {$7500.00}, the second mortgage. That is the only promissory note or agreement between me and US Bank National. Now the bank is trying to skim the equity by pretending to be the holder of the first mortgage, but won't fulfill the duties of the first mortgage holder and have denied the following to me. There is no first mortgage balance. Bankruptcy Trustee already told US Bank it had not submitted any documents to show it had secured a interest in the first mortgage. XXXX XXXX was the lender on the first mortgage. They got paid in the beginning of the transaction. Right to a Face to Face Meeting, Right to negotiate terms, Right to a Modification Application processing, Right to Mitigate, Right to obtain information regarding loans, right to provide Covid 19 relief and other government programs for struggling homeowners For 4.5 years I have been trying to meet Face to Face with the bank but they keep denying me that right. I have been trying to meet Face to Face to Negotiate Housing. XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy I got an Order from the Judge to Mitigate. The bank strung me along for weeks pretending to be processing my modification application. As soon as the XXXX XXXX was discharged and I was no longer protected, the bank filed a Foreclosure action against me in XX/XX/XXXX. The bank lied when filing the Foreclosure action. The bank submitted a notarized Note Certification letter stating it held the original note for the first mortgage when it did not. The bank submitted the cert letter with its own account written on it but the Promissory note of the first lien holder was attached to the letter, and that note had a totally different account number on it. The bank only holds a 2nd mortgage for {$7500.00} for a DPA ( down payment assistance ) loan. The bank is trying to get paid over XXXX by misusing the first lien holder 's Promissory note, the agreement between me and that lender.. Since the bank filed that foreclosure, it keeps pressuring the Judge for Court Orders to sell the property, while I'm in it trying to pay them! I live in my house and have no intentions of leaving. I am employed as a XXXX XXXX XXXX I can afford to pay a mortgage. I have been trying to meet Face to Face with the bank, to negotiate better terms, modify the terms of the agreement, get relief, pay them and continue on with my life. They have stressed me to the point that I have to take XXXX They will not follow ANY rules. Won't offer me any relief and refuse to meet with me to negotiate. They tried to push the foreclosure during covid19 when there were federal moratoriums in place to delay foreclosures. They have stressed me out so bad, during my unemployment period and now even while I'm working and have been willing to pay them. I have followed all the rules. | ||||||
| 09/06/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2021, someone went into a U.S. Bank branch near XXXX XXXX ( XXXX, Nevada ) and used a counter check of some kind ( Teller Savings Withdrawal ) to fraudulently withdraw {$9200.00} from our accounts. Subsequently, the person or person used a fraudulently obtained debit card ( or similar ) to withdraw a total of {$93000.00} in withdrawals and purchases in XXXX XXXX. Unfortunately, the computer on which we normally check/monitor our bank accounts had crashed and it took a couple of weeks first to attempt to have the computer fixed and then to purchase a new one. When we were able to check our accounts, we discovered the fraud and went to our closest U.S. Bank branch to report the fraud at the beginning of XXXX and then, eventually, to close the accounts and open a new account ( XX/XX/2021 ). We told U.S. Bank ( both in person at the local branch and by telephone ) that the fraud started with the {$9200.00} " Teller Savings Withdrawal '' on XX/XX/2021. U.S. Bank immediately began investigating the fraud and sent us numerous forms to identify which items on our bank statement were fraudulent. We completed the forms and took them to our local branch to fax to the U.S. Bank Fraud Department. We also telephoned the U.S. Bank fraud department numerous times and reported the fraud both to our local police and to the police in XXXX XXXX. Over the subsequent months, U.S. Bank refunded all of the fraudulent charges except for the initial {$9200.00} Teller Savings Withdrawal from a U.S. Bank branch in XXXX, Nevada. These reimbursements happened in bits and pieces, making it difficult for us to determine which of the fraudulent claims were being reimbursed, but they did not reimburse us for the initial fraudulent withdrawal. In XXXX, 2021, they claimed that it was a fraudulent check and we had had 30 days from the fraudulent charge to report the fraudulent withdrawal, saying that the date on which we contacted them regarding the {$9200.00} outstanding reimbursement was the date we reported the " fraudulent check '' ( XX/XX/2021 ). First, the fraudulent charge was not a fraudulent " check '' -- the information they wanted was all about where we lost the check, where we kept our checks, etc., none of which was relevant to the " teller savings withdrawal '' of {$9200.00}. Second, we did report the fraud ( not identifying the first item as a fraudulent check because it was not ), well within the 30 days they said we had to report the fraud. U.S. Bank is refusing to reimburse us for the {$9200.00}. The second problem was that we closed the original checking account on XX/XX/2021 and opened a new checking account. We notified Social Security of the new account number. The next two payments ( XXXX and XXXX ) were sent to the old checking account, which was closed at this point. U.S. Bank has not put these funds into our new checking account : U.S. Bank claims they did not receive those funds ; The Department of the Treasury, which we have contacted by telephone 4 times over these several months, says that they did send the funds and that U.S. Bank did not return them. We also contacted Social Security four times ; a Social Security person, named XXXX, called U.S. Bank, attempting to have a 3-way conversation. U.S. Bank re-routed the call three times. On the second contact, U.S. Bank told XXXX that the bank did have the funds, but they gave XXXX another number to call ; he was on hold for so long that he could no longer justify continuing the call when he had other Social Security calls to handle. Then, Social Security had a question about the XXXX payment ( to be paid in XXXX ), presumably due to the issue that The Treasury Department said that U.S. Bank had not returned those monies to The Treasury Department, and U.S. Bank contacted the Department of the Treasury, who then sent an email to U.S. Bank regarding the XXXX payment ( to be paid in XXXX ). U.S. Bank debited our new checking account for the XXXX payment XXXX {$860.00} XXXX on XX/XX/2021, giving us 15 business days ( by XX/XX/2021 ) to respond with the documents to dispute the claim. Nothing other than that letter ( reference # XXXX ) was in the envelope, and the letter did not indicated what documents or kinds of documents they wanted. Our local bank branch did not know what they wanted, called U.S. fraud department, but could not get an answer as to what documents they wanted. We sent ( by fax from the U.S. Bank branch on XX/XX/XXXX ) a detailed letter with our best guesses as to what information they might want. Subsequently, they rejected our dispute, telling us that the matter was closed and confirming that they had returned the {$860.00} to The Department of the Treasury. We contacted The Department of the Treasury on XX/XX/2021, who said they have not received funds from the U.S. Bank for any of the three Social Security payments ( retirement ) in question : the XXXX, XXXX, and XXXX payments. The Department of the Treasury told us that our only recourse was to go to another banking institution. Accordingly, we went to the bank to close the new savings account, put the money into our new checking account, and withdrew two cashiers checks, totaling {$45000.00}. Amazingly, we were not asked for identification for any step in this process, and the cashier who was helping us had never seen us in the past. To summarize, U.S. Bank is withholding a total of {$11000.00} dollars, consisting of the {$9200.00} fraudulent withdrawal and three {$860.00} Social Security ( retirement payments ). | ||||||
| 10/13/2021 | Yes |
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| Beginning in XXXX of 2021, I was defrauded by a company called Voyager who used ACH information from an app to make unauthorized charges against my account. I immediately made a police report, and then contacted the US Bank Fraud department to let them know. The person on the phone did the claim wrong making it a " dispute '', which I thought may have been a mistake by the associate, but now believe it was intentional to stall me. I was told after a month of waiting that they " had to be redone as fraud claims not disputes, because the Us Bank associate did it wrong ''. I physically went to my local bank, submitted the police report to them for case # XXXX about Voyager, and then spent 2 hours with my local banker going over each and every fraud claim totalling {$1800.00} before I signed each of these documents with him present, and watched him fax each of these signed and dated documents to the US Bank fraud department and receive fax confirmations for each. I then called the US Bank fraud department the next day to verify they received each of these documents, and spent another 45 minutes verifying each and every one of the pages and claims they had on file, and the dollar amount of {$1800.00} was verified. I was then told to wait days, and then weeks, which turned into months, after US Bank could only reclaim {$1400.00} out of the {$1800.00} total. The time when they said I would have ALL of the funds back in my account had long passed. My father died in the month of XXXX, and US Bank had taken and withheld the remaining amount of {$420.00} and has refused to give it back. I spoke with the liaison department about the matter, and they told me that after several bankers had been able to find these claims and address them previously, they were now suddenly " missing '' and had to be redone, but they were able to " find '' one for {$100.00} somehow a few days later and credit it back, but that the rest for the remaining {$320.00} went " missing ''. I was without the {$300.00} I had needed as an emergency - my own money denied- and could not pay expenses for my father 's funeral and other bills, to where I had to take out a payday loan elsewhere which cost me over {$1000.00} to repay due to intentional withholding and prejudice by US Bank. I wrote in to the CFPB at least twice now about this, and that is when US Bank 's lies in writing began. US Bank responded that they had not been able to complete the claim for the remaining {$320.00} because they now " didn't have the paperwork for it '' ( ANYMORE ) but also tried to pretend that they had to be made as " credit or debit card claims '' saying that the {$320.00} suddenly wasn't ACH - which is impossible - because the Voyager company that defrauded me NEVER HAD MY CREDIT OR DEBIT CARD NUMBER AND ONLY HAD ACH AND ROUTING INFO. Once US Bank 's fraud department was caught in this lie, they sent additional fallacies in writing to me via the CFPB which you should still have on file, telling me that I can receive my money back by making the debit or credit claim with US Bank. I called US Bank 's separate department for debit and credit claims, and they said they had no idea why they would tell me that since THEY VERIFIED THE CLAIMS AND PAPERWORK THAT THE FRAUD LIAISON DEPARTMENT SAID WAS " MISSING '', WAS NOW SUDDENLY IN FRONT OF THEM, TOTALING {$1800.00} AND ALL IN ACH, NOT A SINGLE DEBIT OR CREDIT CHARGE. MUST BE MAGIC! So I called back to the XXXX center letting them know that NONE of these transactions were " credit or debit '', that I just verified with their credit department they were all ACH ONLY, and that I will NOT allow them to stall me and lie to me anymore to where the claims age out of the period where they can still be on file and handled so that US Bank can get away with KEEPING the money stolen from me they had just reacquired from Voyager who stole the larger amount before them. After numerous lies from " we'll call you '' to " here 's their email address to respond directly '' ( which after 3 emails they NEVER ONCE RESPONDED. THEY ONLY RESPONDED HERE ), I was eventually told that I " would get my money back by going to the local banker I filed the claim with, and having him redo the ones for {$320.00} as credit claims instead ''. I spoke with the bank manager at my local bank yesterday about doing this. She said she would call them and follow through with what they told me. She called me this morning to tell me that she received an email from them - the people above the liaison department - that she is NOT allowed to help me, that they will be keeping my money ( stealing the {$320.00} ), and closing the claims and case. I will NOT be financially discriminated against, stolen from, lied to, or let the grief and suffering caused by this godforsaken establishment go unpunished. I am interested in suing US Bank for discrimination, theft, intentional negligence, loss, pain and suffering, and other damages for an undisclosed amount after what they have done to me with this, and taking the money that belonged to me that I needed to bury my father 3 months ago. I am requesting legal assistance if possible via the CFPB with regard to this matter. If unavailable, I will seek legal counsel for a lawsuit from a legal team to pursue further. I will also need the address for which legal requests and subpoenas are sent to at US Bank to initiate the lawsuit against them. Thank you. XXXX XXXX | ||||||
| 09/27/2018 | Yes |
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Web | Older American |
| While doing my normal grocery shopping I was approached by a man asking me if Id like a XXXX Mastercard. I told him no, I wasnt interested as I have plenty of credit cards and all get cash back, I carry no balances, and I dont want another one. He kept at it and told me I would get a XXXX enrollment bonus that would be applied as a credit. That caught my attention as I have XXXX gkids and I thought it would be good for upcoming birthdays and since I do most of my shopping at XXXX anyway I finally agreed. He asked me lots of questions, dob, ssn, income, debts which are my house and car pmts. He did all this on one of those tablets deals. On XXXX I got a letter from US Bank explaining why they were not approving my credit card based on my debt to income ratio exceeding their guidelines. They then listed my so-called monthly income and debt which was totally wrong. So I called the number on the letter ( XXXX ) at XXXX and spoke to XXXX and gave him the correct monthly info and he told me my card would be approved and I should receive it within 7-10 days. I asked him about the XXXX promotiion and he confirmed it and said it would be applied after the first billing cycle. I got the new card on XXXX and when I activated it I also spoke with XXXX at XXXX at XXXX because nothing in the paperwork that came with the card said anything about the XXXX enrollment bonus. She confirmed it and said to wait 30 days before I see the XXXX promo applied as a statement credit. If I dont see it to call the same number back again. I got my first bill and paid it on XXXX but thought Id wait and see if the credit showed up on the next statement. IT DID NOT. I received the new bill on XXXX and after seeing no credit as promised I called and then spent the next 2 hours on the phone talking with 5 different people starting with XXXX, who said she had no clue what I was talking about and transferred me to XXXX who also didnt know anything and decided to transfer me to the XXXX Loyalty Dept. why they would transfer me to the store is beyond me and I asked why the store would have any information about why US Bank is not fulfilling their promise but they transferred me anyway. Then I spoke to XXXX who told me she could not find any promo offer and kept asking me questions about where I purchased the card. I explained to her that I DID NOT purchase the card..it is NOT a prepaid card just a regular credit card with a mastercard logo. And then she asked me if there was money ON the card when I purchased it. She then told me I would have to talk with XXXX ( whatever that is ) at XXXX but would not transfer me so I had to call them. Guess what? THEY ONLY DEAL WITH PREPAID CARDS so that went nowhere. So I called XXXX and spoke to XXXX who really should find another line of work as his people skills suck. I worked for 50 yrs and most of that was in XXXX and at XXXX XXXX and if I ever talked wo a customer like he talked to me I would have been fired. He told me I was not eligible for the enrollment bonus because the man that took the information didnt do it right and XXXX had to re-enter my income and debt info so I dont get the bonus. IT IS NOT MY FAULT THE INFORMATION WAS NOT ENTERED CORRECTLYIT WASNT DONE BY ME. I told XXXX that I consider that false advertising and he said I was crazy and asked how I considered it such. Explained I was told I would receive it not once but 3 different times by 3 different people at US Bank and because THEY entered the information incorrectly I wasnt getting what I was promised. I consider that false advertising and told him close my account. As I stated in the beginning, I dont need another credit card and only agreed because I do my shopping at XXXX and the XXXX bonus was nice. I also told him to make sure my account is marked CLOSED BY CONSUMER and he said why would he not do that. Explained Id seen it many times when it was listed as closed by the creditor instead. XXXX proceeded to tell me that he would have to read me a disclosure before he would close my account and I told him I wasnt listening to one more word and hung up on him. I then sent US Bank an email explaining the situation and wanting my account closed after I paid them which wasnt due until XX/XX/XXXX and got an automated type email response that they received it and would respond as soon as possible. The next day ( XXXX ) I got another email asking for my feedback regarding the 5 people I spoke with the day before which I did on the survey and it was basically what Im telling you now. Then on the XXXX I got another automated email saying they would close my account once it had a XXXX balance. ( I have all of these emails btw ) but they made NO mention of the XXXX enrollment bonus so I replied to that email that I found it interesting that they didnt mention it at all and just goes to show you what type of business they run. Then I got another email saying that they were in receipt of my email. Yesterday I got an email saying : We have referred your inquiry to the Office of the President to ensure that your concerns are answered appropriately. An Office of the President specialist will send a written response within 15 calendar days from the date of your email. That sounds nice and all but if you really read it they are sending it to a specialist in that office that will respond. I have already cut up the card but this is totally unacceptable behavior from a bank and I want to file this complaint. | ||||||
| 02/08/2020 | Yes |
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| Good morning, CFPB **Introduction : On XX/XX/XXXX I checked my bank account to find that one of my checking accounts had been overdraft to a negative balance, my agreement to the bank had always been to decline any type of overdraft protection. When I first opened my Checking account with US Bank in XXXX XXXX, XXXX I remember the bank teller asking if I wanted Overdraft Protection and I told him I did not want to as I have had prior illegal and fraudulent encounters/experiences with XXXX XXXX XXXX. This was a set agreement for any future reference. Brief History : On XX/XX/XXXX, I moved to XXXX, XXXX and at the time I was disputing a contract with a prior merchant and we had negotiated an agreement. The agreement was that the merchant would take money out of my account for the two months, and that would be it. However they began to take more out, I disputed over the telephone with the merchant however they advised me to speak to my bank about the dispute that they couldn't refund the money. I called my bank and they told me they would use provisional credit and investigate the situation, I forgot to change my address for my bank so I asked if I could run to a local branch and change the address before initiating an " investigation ''. They agreed, and when I arrived at a local branch I met with a teller and explained the situation. He advised me it would be best if I opened a second checking account and transfer funds into another account so when the merchant makes the attempt to take money out it would automatically decline. I thought this was an ingenious plan! I asked if both checking accounts would be linked to my single card he agreed to link the accounts to one card and we shook hands and I was on my way. ** Issue : On XX/XX/XXXX I made a one-time payment in the amount of {$890.00} this was to pay rent, as always I pushed my money into my second account to make the payment of the rent however the merchant took the money out of the wrong account and pushed the XXXX XXXX account to a negative balance. I was shocked because even though I didn't have money, I had enough funds in the second account and because my card was linked it should have processed the amount anyways. Either or, the card should have declined it if I had an insufficient amount in my account because I had declined for overdraft protection. I called the bank to dispute both errors the bank 's error and the merchant 's error, the teller advised me to contact the bank again at a later time and explain the situation as it was Friday at the time and the money hadn't fully posted. That following week, I called again and they tried to remedy the situation by calling it a " merchant error '' and refunding the money or issuing provisional credit but that I had to fill out the dispute documents to have it investigated. I agreed, but they sent the paperwork to the address in XXXX, so I never got the provisional credit. I contacted the corporate bank again to resolve the situation, and they advised me that they would correct my address and resend the paperwork. At this point, I was already frustrated, upset, distraught and angry -- as someone who lives paycheck to paycheck, I didn't know if my rent was paid on time. I didn't have money for food or gas because of the additional - {$36.00} was taken out at this point my account was at -XXXX or so. At this point in time, I was considering to sue the US Bank for breaching contract when I specifically told them to opt-out of overdraft protection, yet they still issued credit were credit wasn't necessary. However, when I contacted the corporate office and a senior advisor informed that I had two checking accounts that were NOT linked to the debit card, I was even more confused and angry -- She asked if I had received paperwork or gone over everything including the disclosure as if I had for the first time opened a checking account. for the one in XXXX XXXX, we did not go over the disclosure form and i was informed by the teller when I tried to subpoena records that Overdraft protection was a verbal agreement that was not captured, so there was no agreement at all. For the one in XXXX, XXXX, I did NOT go over anything nor did I receive a folder with the information needed. So, as of now, there is no real substantial agreement or any evidence of my rights as a consumer. This had turned into a whole new issue, this wasn't now a breach of contract but a consumer issue. Because they didn't disclose any information or issue me the proper agreement paperwork or sign off anything else and accepted no liability US Bank was at fault in violating the ( 15 U.S. Code 1681g.Disclosures to consumers ) rule. Because US Bank issue credit without appropriately investigated the circumstances and penalty. The bank is guilty of Predatory Lending because in this instance the bank knew I had insufficient funds, they knew that I had signed an agreement releasing me of liability of such penalty and yet still chose to issue funds which further put me into a bad situation. Because of US Bank 's negligence in properly reporting and documenting the incident as well as " dragging me into the mud '' with no real substantial evidence that I had violated an agreement and thus the reason for the penalty, the bank violated section 5 of the Federal Trade Commission Act ( FTC Act ). As of now, I have yet to see anything resolved. This had not been the first occasion within this month. | ||||||
| 08/12/2017 | Yes |
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| On XXXX XXXX, 2017, XXXX XXXX XXXX from the Office of the President of US Bank responded in Case No. XXXX. To the Consumer Financial Protection Bureau XXXX XXXX obfuscated, misrepresented, and lied, also by omission. As his correspondence also came from the Office of the President, I believe perhaps this matter should also be turned over to authorities with jurisdiction over fraud by bank employees. This has been conscious, repeated misrepresentation by US Bank going on for several years in this matter, now including misrepresentation to the Consumer Financial Protection Bureau. XXXX XXXX, in an attempt to obfuscate, follows a long line of US Bank obfuscation in this matter, and states that he can find no original purchase on my bank statement of the items returned by me to XXXX and credited to my US Bank account, thus somehow, according to him and put forth repeatedly by US Bank in this matter, justifying the bizarre scenario that US Bank, that somehow I " repurchased '' items I actually returned?!? The items were NEVER purchased on a US Bank account, originally or any other time, as I have made US Bank aware of repeatedly, and thus there would NEVER be a purchase of these items showing on ANY US Bank statement, which XXXX XXXX is fully aware of. The purchase was made through other means completely irrelevant to this complaint. I simply had XXXX do what merchants do many thousands of times a day, return an item to the bank card of my choosing. Merchants do this daily because people lose cards, close accounts, and for a host of other reasons. If this matter between US Bank and I or any other authorities proceeds to discovery at some point, I am certain it will be established that this happens many, many times a day with US Bank customers. Thus, XXXX XXXX not only obfuscated, but also misrepresents by stating that I have said that the items were purchased on my US Bank account. I have said the exact opposite many times, can document this, and US Bank knows this. This leads into the issue of XXXX XXXX lying. He attempts to throw much smoke up in an attempt to hide what really went on here, something that US Bank is fully aware of and was complicit in at the time of the charges, as XXXX 's actions were coordinated at the exact same time and day, a Saturday, with several institutions. When I saw the fraud XXXX had done elsewhere the day at issue, a Saturday at that, when it could be expected that I would have difficulty responding as banks, at best, are open for only a limited time, I pulled my money out of my US Bank account immediately, thus leaving US Bank in the position in which it had to claim earlier authorizations occurred for the charges against my account to justify US Bank allowing the charges by XXXX to go through on an account with insufficient funds. The entire matter was an attempt by an XXXX employee to, essentially, get back at me for the volume of returns I had made to XXXX. US Bank and XXXX had further communications in the matter as well after the day the charges were allowed to go through against my account. XXXX XXXX has obfuscated, misrepresented, and lied in this matter to the Consumer Financial Protection Bureau on behalf of the Office of the President of US Bank. The items were never purchased on a US Bank account, US Bank knows this, and US Bank knows what really was going on here. So XXXX XXXX purporting to extend me the " opportunity '' to point out where on my statements the purchases of the items occurred is just another example of US Bank 's Office of the President misleading the Consumer Financial Protection Bureau. XXXX XXXX is further trying to hide the fact that US Bank 's real position in this matter, for which it, understandably, is afraid to come out and say, is that US Bank feels it can decide, essentially on a whim, and at the behest of a merchant, to charge someone 's account if the merchant comes to US Bank with a sympathetic-enough argument, which in this case would have been an individual at XXXX upset by the volume of my returns. But as you can see, this all took coordination and communication between US Bank and XXXX, and so for the Office of the President of US Bank to feign ignorance while purporting to extend me an opportunity to locate the original charges on my statement is an attempt to intentionally mislead the Consumer Financial Protection Bureau. US Bank knew before it even let the charges go through that there was not an original purchase of the items on my account, and US Bank certainly was made aware of this fact on multiple occasions afterward as part of my communications with US Bank in this matter. US Bank 's deceit in this matter is an insult to the Consumer Financial Protection Bureau. Lastly, by engaging in this behavior, US Bank became complicit in another theft, perhaps at a felony level given the combined dollar amounts of the merchandise involved. To wit, XXXX took possession of property in exchange for crediting my account, all as part of the aforementioned return transaction. XXXX then turned around with US Bank and charged my account for the merchandise it now had in its possession. But it never gave me the property, or even made an attempt to give me the property I purportedly, according to US Bank, had now " repurchased. '' This also further highlights the bizarre smoke that XXXX XXXX is putting in front of the Consumer Financial Protection Bureau on behalf of the Office of the President of US Bank. | ||||||
| 11/19/2020 | Yes |
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| I completed a Loan Modification on my XXXX with US Bank in XX/XX/XXXX due to hardship. I was instructed to make monthly payments of {$890.00} for XX/XX/XXXX, XXXX, XXXX & XXXX of XXXX as a trial period to finalize the modification. The payments were made and were on time. Those payments were reported to the credit bureaus as late, I don't understand why this is. XX/XX/XXXX, I received a cover letter & new loan terms with the existing XXXX cover letter reflecting a fixed rate of 3.5 %, {$410.00} towards P & I, and {$140.00} toward escrow. My new loan payment of {$550.00} was due on XX/XX/XXXX. A payment of {$550.00} was paid, {$360.00} applied towards the principal. {$190.00} applied towards interest and nothing being applied to escrow. The XXXX XXXXXXXX XXXX all payments due in the amount of {$410.00}, XXXX per monthly statements ) each payment was paid. XXXX XXXX XXXX payments being applied towards P & I only. I made XXXX & XX/XX/XXXX property tax payments directly to the XXXX XXXX tax assessor & monthly payments to XXXX XXXX for homeowner insurance. XX/XX/XXXX payment due for modified agreement, was in the amount of {$1300.00}, requesting Principal Due {$220.00}, Interest Due {$190.00}, Escrow Insurance Due {$390.00}, Escrow Taxes Due {$470.00}, Other Due {$60.00}. This is the first time an escrow account has been established for the loan. I was never notified of a deficiency to an escrow account, I only received the large payment due XX/XX/XXXX, and my statement dated XX/XX/XXXX, is the first time an escrow account showed on any monthly statements. I called US Bank to inquire about the increased amount and was told the increased payment was due to having an escrow account. I have continued making payments and extra when I was able, but I am on a fixed income being on XXXX is why I applied for the hardship modification in XXXX. In XXXX I made a payment of {$600.00}, {$410.00} applied principal, {$190.00} applied toward escrow & nothing applied towards interest, escrow balance of {$820.00}. In XXXX I made a payment of {$410.00}, the full amount of {$410.00} applied towards escrow only, US Bank made property tax payments of {$260.00}, escrow balance of {$970.00}. Due to this required large payment, my account has suffered late fees, before this my account was current and up to date. In XXXX I made a payment of {$600.00}, {$410.00} applied principal, {$190.00} applied toward escrow & nothing applied towards interest, escrow balance of {$820.00}. In XXXX I made a payment of {$680.00}, {$220.00} applied principal, {$160.00} applied toward interest & {$290.00} applied towards escrow, escrow balance of {$1200.00}. As of XX/XX/XXXX, the amount due is {$1500.00}, my current escrow balance is {$1200.00}. There have been several errors made to my account since the finalization of my modification. I have contacted US Bank several times over the past XXXX months to address this issue with no resolution. I contacted US Bank again on XX/XX/XXXX, the representative could not answer nor resolve my questions/issues. During the call, I requested a full audit of my account/loan. I also requested a report of escrow sent to me, the representative confirmed the audit/report would take 5-7 days to complete. As of XX/XX/XXXX, I have not received any update of the audit nor have I received a balance report. I contacted US Bank on XX/XX/XXXX, requesting an update. I was told by supervisor Isacc I have never seen a loan such a mess like this before. He was unable to provide an update with my request made on XX/XX/XXXX, he said all he can do is submit a ticket to request an update and it can take up to 3 business days to receive a reply back to him. XX/XX/XXXX, I went into a US Bank Branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, to make a payment. The teller told me, they can not accept my payment because my account was in the process of being closed. I called the ( 800 ) customer services line, after being transferred to multiple representatives ( s ) there has been no confirmation on whether the account is or is not in the process of being closed. There have been several errors made to my loan since the finalization of my modification in XX/XX/XXXX, the following listed below is a REQUEST FOR INFORMATION/NOTICE OF ERROR UNDER RESPA REGULATION X 1.Establishing an escrow account 4 months into the new loan modification terms 2.Requesting the borrower to pay the payment of {$930.00} on XX/XX/XXXX, towards escrow without notice. ( ref RESPA regulations ; Escrow Account Analysis 12 CFR 1024.17 ( c ) ( 2 ) and ( 3 ) and 12 CFR 1024.17 ( k ) ) 3.Failure to apply an accepted payment to principal, interest, escrow, or other charges as required by the mortgage loan and applicable law ; 4.Failure to accept a payment that conforms to the servicer 's written requirements for the borrower to follow in making payments. 5.Failure to pay taxes, insurance premiums, or other charges, including charges that the borrower and servicer have voluntarily agreed that the servicer should collect and pay, in a timely manner as required by 1024.34 ( a ), or to refund an escrow account balance as required by 1024.34 ( b ). 6.Imposition of a fee or charge that the servicer lacks a reasonable basis to impose upon the borrower. 7.All additional errors relating to the servicing of my mortgage loan, payments, notices, balance ( s ), and status of my mortgage loan. | ||||||
| 07/27/2020 | Yes |
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| 30 day late has decimated my credit score by approx. 100, and because of happening in the middle of the Pandemic has been even more disastrous. I can not get any decent loan with such a recent negative late item. Ample time has passed. No correction r has been made. Email included : Custserv - Fargo Consumer Card Shared XXXX Wed XX/XX/XXXX XXXX XXXX Dear XXXX XXXX : Thank you for contacting Cardmember Service via our website about your U.S. Bank Visa account ending in XXXX. We have referred your inquiry to the Office of the President to ensure that your concerns are answered appropriately. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - At U.S. Bank, we have safeguarded money and account information for more than 150 years. Online Banking is no exception. We take all necessary precautions to ensure your accounts and personal information are secure. For your protection, please do not send personal information such as account or Social Security numbers through unsecured email. To send personal information through email, please do so through our secured email service. To access our secured email service : - Point your browser to usbank.com - Log into your account ( s ) using your User ID and Password - Select Customer Service at the top of the page, then select Contact Us, and click the email us link - Submit your information through the form provided U.S. Bank XXXX XXXX XXXX XXXX, ND XXXX https : //www.usbank.com/privacy/ Privacy policy and security | U.S. Bank At U.S. Bancorp , trust has always been the foundation of our relationship with customers ; we respect your privacy and safeguard your information. www.usbank.com -- -- -Original Message -- -- - From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : Custserv - Fargo Consumer Card Shared XXXX Subject : Email Us Category : Other Name : XXXX XXXX SSN : x PID : XXXX Email Address : XXXX User Agent Information : Name=Chrome, Version=70.0, Platform=WinNT, XXXX ( Windows NT XXXX ; XXXX ; XXXX ) XXXX ( XXXX, like XXXX ) XXXX XXXX XXXX Account Number : XXXX Comment Box or Question : Attention for Supervisor Only : Negative 30 late is incorrectly being reported to the credit bureaus regarding this account. the account was already enrolled during the Pandemic assistance Program. Carefully review the consumer rights during this pandemic my rights as I have listed them below. Additionally being from California resident there is no need to ask for dispute/investigation. I do not wish to proceed legally despite having grounds to. Please do what the law requires and remove the incorrect data as you can see the account was enrolled in the Program prior to being over 30 days late. If this doesn't get resolved quickly I'll be forced to act. Thank you for your attention to this. Section 4021 of the CARES Act protects consumers who are approved by their creditor for a forbearance, workout, or similar accommodation. For these consumers, Section 4021 provides : If the consumer was able to obtain the accommodation while they were still current ( i.e., less than 30 days late ), their accounts still will be reported as current. SPECIAL ENFORCEMENT RIGHTS FOR CALIFORNIA CONSUMERS California residents have the option to enforce the CARES Act credit reporting provisions before raising a dispute. Unlike other states ( with the exception of Massachusetts XXXX, the FCRA does not preempt the California credit reporting statutes furnisher accuracy requirement. See NCLCs Fair Credit Reporting 10.7.3.2.2. The California statute does not require a consumer to dispute a report before suing a furnisher for inaccuracy. A number of California decisions hold that courts should look to the federal FCRA when interpreting Californias furnisher accuracy requirements. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX ) ( because the California FCRA is substantially based on the Federal Fair Credit Reporting Act, judicial interpretation of the federal provisions is persuasive authority and entitled to substantial weight when interpreting the California provisions ). For more information Description of the Metro 2 format : See NCLCs Fair Credit Reporting 6.3.2. Litigation against furnishers in reinvestigation cases : NCLCs Fair Credit Reporting 6.10. NCLCs Policy Brief : Protecting Credit Reports During the Covid-19 Crisis ( XX/XX/XXXX ) U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | ||||||
| 02/03/2023 | Yes |
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| XX/XX/XXXX Applied for US Bank Business Silver Checking Account using the promotion code supplied in the mailing from US Bank. The associated bonus was {$400.00} for depositing {$1500.00} in new funds within 30 days ( please refer to enclosed pic # 1 ). I did not take advantage of the optional additional {$100.00} bonus by settling a US Bank Payment Solutions Merchant transaction ( circled in blue on the enclosed pic # 2 ). I also deposited {$200.00} from my XXXX Checking while applying online for the new US Bank account. XX/XX/XXXX I tried to set up an external transfer for {$1300.00} to this US Bank Checking account I opened on XX/XX/XXXX but the US Bank website did not allow me to add and external account to this US Bank Business Silver Checking Account. XX/XX/XXXX I asked at the external FUNDING BANK ( XXXX ), and XXXX informed me that no funds were requested by US Bank. XX/XX/XXXX Since I had no success on XX/XX/XXXX I then added two external accounts, XXXX XXXX XXXX XXXX ( second attempt for XXXX ) and transferred {$1300.00} from my XXXX account to land XX/XX/XXXX. ( please refer to enclosed pic # 3 and Pic # 4 ). I again hit a wall based on problems with their website. XX/XX/XXXX I logged using my US Bank Business Silver Checking Account, and I got an odd " not authorized '' messages when trying to set up external accounts. ( please refer to enclosed pic # 5 and Pic # 6 ) and please also note that I tried logging in using both my linked Business Credit card profile and directly using my Business Checking Account directly, as evidenced by the different urls for each profile. Again, I hit a wall based on problems with their website. Pic # 5 XX/XX/XXXX They seemed to be updating their site currently, so might explain some problems I had? XX/XX/XXXX I took screen shot pic for further proof. XX/XX/XXXX XX/XX/XXXX I made 3 calls to US Bank including a rep named " XXXX '', and a third rep XXXX who did her best to guide me. XXXX told me I would be contacted by US Bank via email to fix the problems I had been having with adding external accounts. I requested an email address for me to contact US Bank in case I didnt get any response and she provided this email address XXXX I was never contacted by anyone regarding this problem. XX/XX/XXXX I see this error below ( please refer to enclosed pic # 6 ) when I logged into my US Bank account and attempted to see any transfers that had occurred or would occur by clicking the Manage My Transfers tab. Again, I have no idea what is happening with my account based on errors with their site. As a result I sent a very detailed email to XXXX to explain the problem and asked for assistance. I complained that I could not set up my external accounts to pull or push funds. I never received a reply from US Bank to that original email, so I was again completely ignored. For CFPB Office reference, Ive enclosed a copy of that email as an attachment and to further verify this issue. The file name is Problems adding external accounts! - XXXX XXXX. XX/XX/XXXX Logged into US Bank account and see a notification message that offered to set up paperless billing for US Bank Business Debit account. I clicked the message, to begin the paperless billing setup, as the account is charged {$5.00} for standard mailed statements. When I clicked the notification, I got still another error on their site ( please refer to enclosed pic # 7 ). Therefore, it didn't let me change to paperless. Pic # 7 XX/XX/XXXX I called US Bank at XXXX and talked to CSR XXXX XXXX XXXX XX/XX/XXXX she did a " co-browse '' to see my screen and helped me activate paperless billing for the Biz Checking account. It did work this time without errors. She also said the {$5.00} billing charge would be refunded and it was. Finally, she asked me to fwd my email I mentioned to here that I didn't receive a response for and add her name XXXX XXXX to the email. The entire email chain is in the attached XX/XX/XXXX Email and No reply. She requested I fwd the email to a different address : XXXX She stated she would contact me back after she looks it over. XX/XX/XXXX I got a reply from XXXX XXXX stating I am not eligible for the bonus. I feel this is not fair based on the multiple documented problems I have had with their website and adding external accounts, multiple lack of responses when reaching out via phone and email, and their indifferent response when asking for help with the online problems. I have two other account with US Bank ( business credit and personal credit cards ) and their indifference will make choose another bank unless I receive the advertised bonus amount. XXXX XXXX listed wire transfer as a funding method but this has an associated {$30.00} cost at XXXXXXXX XXXX as evidenced in the pic below ( please refer to enclosed pic # 8 ). I dont utilize paper Checks through my discover account, so this also invalidates another one of her suggestions. Even with all the mentioned problems, I still see incorrect info regarding my transfer history for this account. This is evidenced with the message There is no activity to view or edit even though I was eventually able to transfer funds into the account after much effort ( please refer to enclosed pic # 9 ) Pic # 8 Pic # 9 XX/XX/XXXX In my US Bank account, it states that account is eligible for wire transfers anyway ( please refer to enclosed pic # 10 ) Pic # 10 | ||||||
| 08/12/2022 | Yes |
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| I received a call on XX/XX/22 from US Bank caller ID. The caller started by identifying themselves as a US Bank fraud banker and asked me if I was traveling- i said no. They then asked me if I made a charge in Florida at XXXX for around $ XXXX I said no. He said it looks like my card is compromised and they would have to cancel the card and send me a new one. I responded and said 'not again, this has happened before ' he said he was aware of that and apologized. He said they would send the card in 5-7 business days for free or it could be expedited for a charge. He said he could put me on hold and ask if he could waive the expedited charge. I said great - I need that card. He put me on hold and came back and said it was approved, confirmed my address ( which was wrong but I had recently moved so I didn't catch that mistake until after the fact ). Before we hung up the caller asked me if I initiated a XXXX transaction which was in my US Bank account I said 'no- when was that- I should be notified ', he said it was seconds ago. I said for how much and he said {$2500.00} of course I panicked. I asked what to do and if he could stop the transaction. He asked me several questions about the person who was doing it- he gave a name and phone and asked if I recognized them, to which I didnt. He asked if I had sent money to this person before. He told me it looked like the transaction was made with a certain iphone model and asked if it was mine and I said that wasnt mine. It sounded like he was going through a set of questions to make sure it wasn't my transaction. Then he walked me through the steps to send the amounts to a specific person that was committing the fraud with a phone number through XXXX so that it would then be reviewed by US Bank- by doing this US Bank would know it was fraud and could start investigating the pending transaction. He then asked if I wanted to prosecute the person initiating the alleged XXXX and I said yes, and he said US Bank would prosecute with no expense to me- he added additional legal verbiage to this that I don't recall, but it sounded very official. I sent two transactions per this person 's direction- one for $ XXXX and one for {$1500.00} and he said my money should be returned within a few days and I would get an email shortly on the status. I hesitated but he pointed out and said - do you see where it says your transaction will be reviewed- it was on one of the instructions in XXXX as you create the transaction. I did see it and so I was confused into thinking this was the review he was speaking about by US Bank. KEEP IN MIND- I have been a US Bank Customer for XXXX years. I have had fraud at US Bank in the past and they have sent a text/called and I they have handled it- so it did not seem unreasonable. I have been called by US Bank when traveling to make sure it is me making a certain transaction. I did not get the email as promised about the transaction and got concerned. I CALLED THE NUMBER back within 45 MINUTES and got the US Bank prompt, which got me to a banker and then to fraud. They then informed me my card was not compromised or canceled and then I asked them about the XXXX and they said it wasn't anything they would do. They put it into investigation for 10 days, I called three times for the status in which I was told it was under review, and XXXX transactions are resolved quickly and I would see the money added back to my account when its resolved but should call back if I don't see it in 10 days they could issue a provisional credit. I received NO correspondence from US Bank during this timeframe. At 10 business days, XX/XX/22, I called and I was told they made a determination yesterday and I would be getting a letter stating the money wasn't recovered so I wouldn't be reimbursed and because I initiated the transfer, US Bank wouldn't do a provisional credit. How would I know this was not an ACTUAL US Bank employee- the first thing that came to my mind was that it was a disgruntled employee and I shared that when I initially reported it. AT NO TIME was I told that me getting refunded was dependent on if US BANK recovered funds until the last fraud banker on XX/XX/22 explained that XXXX transactions were refunded around 30 % of the time based on her experience. I spoke to a supervisor who told me that basically, anyone should know that US Bank would not ask anyone to send money through XXXX, get it- I was scammed and stupid. However the language/script used by the scammer, the phone number, caller ID were all related to past interactions with US Bank XXXX A supervisor informed me that they have known about this scam for several months, however there has been zero communication from US Bank as something to avoid, or any consumer protections put in place. It is unbelievable to me that US Bank 's fraud team could not identify the person/funds as it was reported within 30-45 min of the transaction. US Bank has liability due to this impersonation and its inability to protect the consumer after known issues were occuring. I have a hard time believe that these 'scammers ' are more technologically advanced then a global banking company, which only leads me to believe that US Bank is putting little to no effort into protecting consumers and most of their effort protecting their own stakeholder 's funds with their inability to refund a 20 year customer {$2500.00}. | ||||||
| 04/03/2019 | Yes |
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| In XX/XX/XXXX I initiated a used car loan application through USBank.com. Shortly after applying, I was contacted by XXXX XXXX, general manager of a XXXX XXXX branch to finish processing the loan in the office. Mr. XXXX explained to me the process in detail and overview of the rate, interest, payment, etc. The loan was signed on XX/XX/XXXX for a total of {$15000.00}. During that conversation, I mentioned to Mr. XXXX that I was undecided on the specific car that I was getting and mentioned to him that I would be traveling to XXXX California to make the final decision and purchase the car. Mr. XXXX said that would not be a problem, but that they needed a VIN number for a vehicle I had in mind to process the loan. Once I picked the car, I just needed to give the dealer the paperwork and they along with US Bank would take care of the rest. I proceeded to travel to XXXX California to the XXXX XXXX car lot. Once on the lot I opted to choose a XXXX XXXX vs XXXX XXXX and proceeded to provide the check and all the bank documents provided by US Bank to the dealer finance contact to process. I left the lot with the car and shortly the loan kicked-in and got a statement and due date, etc. as expected. Five ( 5 ) months later I was contacted by phone by MrXXXX XXXX, he communicated with me that there was an error processing my loan - that they had the wrong VIN number on file and needed the car title. I asked him how this could have happened and why they were finding this out 5 months after the loan started. I proceeded to connect him with XXXX directly ( XXXX ), helped to track down the title. During all the back and forth - he never engaged in email, it was always over the phone. At the moment, I didn't see this as odd, since it seemed that there was a sense of urgency. Never during this time did we receive any written notice about the issue by mail or email - it was always over the phone. My wife and I worked with him over a span of two weeks or so to connect him with the XXXX local dealer directly, helped to track down the title, signed it and turned it over to MrXXXX XXXX along with proof of insurance, registration information, etc. for the correct car. Fast forward to XX/XX/XXXX - two years after taking out the loan, we received a written notice first time ever from US Bank about the loan. The notice again lists the incorrect vehicle and again is requesting the car title. Now things were starting to look a bit odd. I reached out to Mr. XXXX by email on XXXX and after 2-3 follow up emails, I finally heard back from him via phone on XX/XX/XXXX. After greeting him, I interrupted him and requested that he send any communication via email to avoid any miscommunication, hung up and reiterated that message with a follow up email minutes after. I never heard back from Mr. XXXX, so I followed up on XX/XX/XXXX and never heard back from him via email as requested or by phone. On XX/XX/XXXX, after not hearing from Mr. XXXX, I submitted a complaint via the US Bank online tool and was told this was being raised with his manager " XXXX. '' XXXX XXXX with US Bank called me, I answered he identified himself as the manager for Mr. XXXX. I proceeded to let him know I was in a meeting and that I preferred communication via email instead. I never received an email from XXXX or Mr. XXXX following up on my request for additional information on the letter I had received in the mail. On XX/XX/XXXX, I followed up with customer care - I told him that XXXX had not followed up, they apologized and said they would follow up. They wrote back the same day and said : " I received some follow up from XXXX. We have the incorrect information on file for your loan because a different vehicle was purchased than was approved. This is causing errors in the system. To correct this, you'll need to refinance the loan for the vehicle you currently have. " This was the first time I had received this written notification of the error still existing and the need to refinance - again with no background or explanation on how this could happen. Two years after taking out the loan, US Bank was saying I needed to refinance the loan, take a hit on my credit and loan would be at current rates, etc. because of an error processing by the bank/dealer. I requested XXXX 's email address to request more information and to clarify the point of the " different vehicle was purchased than was approved. '' After multiple attempts, I was referred to call him and never got his email address. During this entire process, I have never received written notice that I had purchased an unauthorized vehicle until XX/XX/XXXX. If this indeed was an error on me, the customer - then these questions must be answered : Why did Mr. XXXX accept the car title for the correct vehicle? Where is the signed car title for the correct vehicle that I provided to Mr. XXXX? Why is the bank refusing to communicate with us via email or mail? What is the explanation for the " different vehicle was purchased than was approved '' - why would the bank take two years to notify me? Attached you will find documents to reference in this matter as described below. Exhibit A - US Bank Mr. XXXX XXXX email communication with XXXX & me Exhibit B - US Bank Mr. XXXX XXXX email communications Exhibit C - US Bank Email Customer Care communications Exhibit D - US Bank XX/XX/XXXX Car loan mail notice | ||||||
| 02/08/2021 | Yes |
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| As of today, my funds in this bank account are being withheld from me without reason or justification. I have {$990.00} in the account, however US Bank Reliacard has restricted my access. I do not know why they are doing this, however I have fully complied with every request they have made for proof of identity and still, I am being denied access to my own money. This money is from Unemployment as I have worked a job and been fired from that job and have been awarded PUA. They requested my birth certificate, social security card, and school ID ( I am a XXXX ). Due to COVID-19 I have not been allowed access to my school campus since XX/XX/XXXX, therefore my school ID has expired.They rejected all the above simply because my school ID has expired even though they told me to send them a copy of the expired ID! No matter what they ask for, I provide it but they still come up with every excuse to not accept my identification and further withhold my funds. I even went down to the DMV and stood in line for 3 hours to get a state ID. I sent them in the temporary copy as one of the supervisors in the escalations department advised me that would be acceptable. I sent that in and they STILL rejected my state ID! I have done everything they ask and I believe what they are doing is illegal, criminal and unjust. They are saying this is for security purposes, however I have verified my identity to the fullest extend and still they are withholding my funds. I have rent and bills to pay. I do not receive food stamps. I use my unemployment to eat and survive. Each day my landlord adds XXXX dollars late fee until rent is paid. This bank is ruining my life. They are stealing money from thousands of unemployment people and causing them to be hungry and homeless and I am one of them. Something needs to be done about US Bank Reliacard illegally withholding funds so that they can accumulate interest off of our money and in the meantime cause us to suffer more than we already are. Please help! XX/XX/XXXX : Unemployment Benefits are deposited on the the US Bank Reliacard in my name. I attempt to XXXX XXXX my half of the rent to my roommate, its denied. I got to XXXX to get cash back, its denied. I got to the atm to try to get cash back, denied. I call customer service and spoke with a XXXX who advised me there was a 24 hour hold on the card due to XXXX XXXX and to wait until XXXX the next day to use the card and it should work. XX/XX/XXXX : I got back to the atm at XXXX the next day, attempt to withdraw cash, denied. I tried a lesser amount, declined. Called customer service again, they tell me the account is permanently blocked and until I send in birth certificate and ssc they wont unblock the card. I sent in birth certificate, social, last check stub, a letter explaining I am a minor ( XXXX and XXXX XXXX ) and unable to get a state ID until I am XXXX and XXXX XXXX. They said ok and to use my expired school ID ans that it will take 5 business days to review. I sent in the school ID, waited 5 days and called customer service. They then said expired IDs are not acceptable. Even though they told me to send in the expired ID. This is when I began to feel like I was getting the run around. XX/XX/XXXX : I called customer service again and requested a supervisor. Spoke to XXXX XXXX who told me to have my mom send in her state ID since im a XXXX. I did that, and then I got a call from card services saying it was rejected. At this point it is obvious they are telling me anything just to stall and hold my money. XX/XX/XXXX : I get on XXXX and search " Reliacard locked '' and found several groups and posts from thousands of members who are also experiencing this issue. One of the group admins posted that if I call reliacard and request for them to close the account and mail a certified check that they will do that. I tried and was told that since the account is locked they cant do that either. So now they are intentionally holding my Unemployment because sending a check to my address where I have lived for 5 years and where unemployment mails my correspondence should be proof enough that I am who I say I am. You cant even cash a check without identification so why are they denying this? Exactly. So I then reach out to US Bank via XXXX XXXX. They just told me to do the same things, which I again did and was told the next day the documents were rejected. My birthday is XX/XX/XXXX so XX/XX/XXXX made me XXXX and XXXX XXXX old and able to go get a state ID. XX/XX/XXXX : I go stand in line at the DMV for 3 hours and come out with a temporary state ID with my picture and signature on it. I called XXXX XXXX back at the number he gave me and he told me that the temporary ID would be acceptable and to allow 5 business days for processing. I agreed, even though 5 business days is excessive. No traditional bank like XXXX or even XXXX XXXX would do this to their members, but still I agreed and waited. XX/XX/XXXX : I receive a call from card services basically telling me yet again they rejected my ID and are not going to release the hold. At this point, I have nothing more to do. I have do everything they asked and they are still holding my money. In the meantime I am losing everything. Unemployment has determined that I qualify for those benefits, how can this bank just withhold them without reason or warning? I need this resolved asap. | ||||||
| 02/09/2022 | Yes |
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| I had been applying for the U.S. Bank Simple Loan for nearly two years, and each time I received a vague denial reason to my credit application : " Poor credit or deposit performance with U.S. Bank. '' I have attached a sampling of denial letters for these Simple Loans, dating back to XX/XX/XXXX, although there were many more denial letters over the course of my banking relationship with U.S. Bank. I had asked customer service to define " poor credit or deposit performance with U.S. Bank, '' and each time I was told they did not know what this meant, or I was told to call a different department within U.S. Bank. Each time I called whatever department I was referred to, no one could tell me how or why I had " poor credit or deposit performance with U.S. Bank. '' On XXXX XXXX, XXXX, I contacted U.S. Bank by Direct Message on XXXX to file several complaints, one of which was a formal complaint of unfair lending practices in regard to the continued declines related to my credit application for a U.S. Bank Simple Loan. I asserted to their Social Media Ambassador, XXXX, ( his phone number is XXXX ) that I believe I was being unfairly discriminated against when I applied for the U.S. Bank Simple loan over the course of nearly two years. I asserted to XXXX that U.S. Bank must tell me precisely and exactly what " poor credit and poor deposit history '' meant to me, specifically ; a generalized statement was insufficient and did not allow me any opportunity to exercise my rights under applicable credit application and credit reporting laws to rectify whatever " poor credit and poor deposit history '' was causing repeated declines of my credit applications for the Simple Loans, and placing a hard inquiry on my credit report each time I made an application. After more than two months of XXXX stating he found no evidence of any " poor credit or deposit history '' that was specific to me with U.S. Bank, XXXX then agreed to route my formal complaint of discrimination and unfair and deceptive loan and credit practices to U.S. Bank 's corporate offices sometime around XXXX XXXX, XXXX, for them to investigate. After XXXX agreed to this, he let me know that my complaint was out of his hands. Even still, I received absolutely no communication or correspondence from anyone -- either XXXX or U.S. Bank 's Corporate Office -- that my complaint was being investigated, whom to contact with questions or any anticipated resolution date. XXXX informed me that my complaint would be completed within 15 calendar days. On XXXX XXXX, XXXX, I again followed up with U.S. Bank and XXXX via XXXX XXXX XXXX to inform them that I had not received any communication regarding my fair lending complaint. XXXX and U.S. Bank ignored my Direct Message despite my complaint, at that point, having taken more than the promised 15 calendar days. My complaint then continued to not receive any response or acknowledgement from anyone at U.S. Bank. On or around XXXX XXXX, XXXX called me and advised me that U.S. Bank 's Corporate Office had informed him that they were " close '' to a resolution to my complaint, but there still was no anticipated resolution date and XXXX was unable to share any details or information regarding what update he'd received from their Corporate Office. Additionally, I was not allowed to speak to anyone who was handling my complaint in the Corporate Office, and XXXX was unable to answer me when I directly asked him why my complaint was never acknowledged by the Corporate Office, why there was no communication on the delays of responding to my complaint, and why any resolution to my complaint was taking more than 30 days. Overall, U.S. Bank failed to abide by state and federal rules concerning the timeframe of resolving my complaint and communicating the delays that U.S. Bank intentionally caused. I received the attached letter from U.S. Bank, dated XXXX XXXX, XXXX, more than 30 days after making my official complaint of unfair and deceptive lending practices, in which XXXX XXXX says that U.S. Bank will delete only one hard inquiry from my credit reports for the countless Simple Loan applications I had made over the course of nearly two years. When I inquired with XXXX why only one hard inquiry, out of more than 10 hard inquiries would be removed from my credit file, he said he did not know and that I should refer to the letter from XXXX XXXX or contact U.S. Bank 's Direct Consumer Lending department to discuss this. As of the date of this complaint, no hard inquiry has been removed from any of my credit files. Additionally, whatever enclosures that were to have been included with XXXX XXXX 's XXXX XXXX letter, there were no such enclosures included. I am absolutely not doing U.S. Bank 's homework or their work for them by calling their Direct Consumer Lending department to ask them to do work they already promised to do. Failing to include the enclosures in the XXXX XXXX letter and failing to delete the one hard inquiry from my credit file, as promised, further demonstrates that U.S. Bank did not adhere to internal, federal and state guidelines when responding to my complaint, nor did they take seriously the complaint I made to them more than 90 days ago. I have attached screen shots of the Direct Messages on XXXX, providing evidence of XXXX and other U.S. Bank employees not responding to inquiries concerning this complaint. | ||||||
| 04/17/2018 | Yes |
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| Dear US Bank, I am writing in regards to my US Bank XXXX XXXX XXXX XXXX account and it's advertised sign-up bonus of {$2000.00} in eligible Net Purchases ( purchases minus credits and returns ) on your card within the first four months of account opening. I contacted US Bank by email regarding the status of the bonus. This email is as follows : " Hi US Bank, I just wanted to inquire about the enrollment bonus on my account. I was informed that by spending {$2000.00} in the first four months of account opening, I would be awarded XXXX XXXX in addition the usual XXXX awarded for purchases. However, I noticed that I have only received the XXXX on my net purchases and not for the enrollment bonus. Would you be able to see what happened? Thank you for your time. '' On XX/XX/XXXX, I received a response from XXXX XXXX, Card Service Advisor. His email is as follows : " Thank you for contacting U.S. Bank via our website about your U.S. Bank XXXX XXXX XXXX XXXX XXXX account ending in XXXX. Our records do not indicate that you are eligible to receive the XXXX bonus XXXX because the threshold of {$2000.00} in net purchases ( purchases minus credits and returns ) was not met within 120 days of account opening. Our records show that your account was opened on XX/XX/XXXX. Therefore, the 120-period ended on XX/XX/XXXX. Our records indicate that a total of {$1600.00} in net purchases were made during the promotional period. Please contact us again if we can be of further assistance. " In response, I wrote the the following : " Thank you for your email. I see that I barely missed the cutoff and made the spending requirement on XX/XX/XXXX, Would management be willing to extend a 5-day grace period on the 120 day limit? I know it's my fault and I should of been more aware. I incorrectly assumed that my approval date was XX/XX/XXXX since I received the welcome email and was billed the annual fee on XX/XX/XXXX. Also, XX/XX/XXXX was the day I applied and the person who took my application said more time was needed to review my application. However, I hope you can extend a few days on the timeline for the following reasons. The first card that was sent to me was sent to the wrong address. I applied over the phone and maybe it was mistyped over maybe I confirmed the wrong address on the read-back ( XXXX instead of XXXX ). Then being from Guam, mail takes 2+ weeks to get here, so I just assumed it was delayed en route. Then when I finally did call to follow up and correct the address, I had to wait a few more weeks for the card to get in. Mix in being off-island for late XXXX and early XXXX, I was only able to start using my card in XXXX. Thanks again for your time. I hope this appeal isn't too much. : ( " I received my last correspondence from XXXX XXXX on XX/XX/XXXX stating the following : " Thank you for contacting U.S. Bank via our website about your U.S. Bank XXXX XXXX XXXX XXXX XXXX account ending in XXXX. We are obligated to apply our policies in a consistent manner to all cardmembers. As such, we are unable to extend the promotional period of an offer. We apologize for any inconvenience this matter may have caused you. Please contact us again if we can be of further assistance. '' To XXXX and XXXX 's credit, they may not have had the ability to extend the promotional period even if they wanted. In cases like these, its often that management holds sole discretion in overriding these issues which is why I write to you today. I would like to appeal to management in extending the promotional by at least 5 days for the following reasons : 1. Date of Application Approval/Account Opening Unclear a ) Reported date to all three credit bureaus is XX/XX/XXXX which is very misleading and unhelpful. I can understand if this is a common practice among banks to date the first of each month as account opening, but so far I have only encountered this with US Bank. b ) First email from US Bank titled, " Welcome to the U.S. Bank XXXX XXXX XXXX XXXX XXXX '' received on XX/XX/XXXX ( XX/XX/XXXX XXXX Guam Time ) c ) Applied over the phone and was informed more time needed to review my application. However, the same day my credit report was pulled, XX/XX/XXXX, was also the day I was approved. 2. Mailing Address listed incorrectly a ) Had I applied online, this would be entirely my fault. But given I applied over the phone, I am unsure if this mistake was a mistype on the representative who assisted me on the application or my mistake on verifying wrong information on the read back. Perhaps, US Bank can look into the audio recording to confirm. b ) The discrepancy between the incorrect mailing address and what is listed on my credit report should of led to some additional address verification on the application, which in itself is probably a bigger issue in regards to identity theft. c ) Given that mail takes two or more weeks to receive from the US mainland, this meant that I was not able to get the card until XX/XX/XXXX after following up and did not get to use until I returned in XX/XX/XXXX. I hope you will be able to sympathize with the above reasons in extending a 5 day grade period on the promotional sign up bonus. The reason why I had to call since Guam is not listed in the drop down list of states, so thank you again for providing services to people in Guam as many banks refuse to do so. | ||||||
| 11/24/2022 | Yes |
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| On Monday, XX/XX/2022, My elderly mother and I went to XXXX. We went to the cashier to pay for our items. During that time, we starting hearing the commotion between the store clerks, that " they, XXXX '', were having problems with the credit/debit card machines My mother 's card was able to be processed with no problems, but unfortunately, my card did not go thru, but my mother was kind enough to pay for my items. I chalked this up to XXXX 's issue. Then, a couple of days later. on XX/XX/2022, I had to go back to XXXX, for some more items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I went to pay for my items, and guess what happened? My card was once again declined. The cashiers ran my card thru many other check out stands, upon my insistence, because I knew that there was more than enough money on my card to cover my expenses. But my card was declined every time My mother again, paid for my items. much to my horror and embarrassment. Earlier in the day, I had tried to make another purchase online. That was my birth certificate thru the online Oregon XXXX XXXX XXXX. I was having some problems with the purchase, but I had thought that perhaps, it was due to the fact that I had just gone thru a divorce and that my paperwork had not been processed yet, so I sent them an email asking them if there was anything that I could do, to help with the situation. I was wanting my birth certificate, so I could get a star on my drivers license ( yes, I have my drivers license, ODL, but for ID only, not for driving ), so I could fly. I was starting a relationship with a gentleman and we were trying to plan a trip. Needless to say,, he thought that I was making up the problems I was having, He thought that I was making excuses, that I really didn't want to go, so he called the entire thing off -- the relationship and the trip ( XX/XX/2022 ). On Thursday, XX/XX/2022, I tried to XXXX my daughter {$10.00}. That is when I found out that it was my card that was the problem. I called up US Bank XXXX, and a gum smacking customer service rep, told me that my card had been suspended for fraud She had given me an amount that matched up to a couple of purchases previous to XX/XX/2022, and could not tell me the valid reason nor what had kicked off the " suspension fraud alert ''. I was also not notified of any " fraud alerts ''. I have the app on my phone -- if there is an alert, I will get it. I ended up calling administration, ( XX/XX/2022 ) XXXX, and XXXX XXXX, was my first at the administration level. She told me that there will be an investigation and that someone will be getting in contact with me soon. Someone finally got in contact with me XX/XX/2022 at XXXX pm XXXX. I was surrounded by family and did not have anything to write with, so I did not get her name. She called to let me know that me trying to buy my own Birth Certificate was fraud. And that it had kicked off their " automated fraud system ''. All she offered for a solution was " Oopps.. We're Sorry ''.. I have had fraudulent charges on my account before, their system did NOT pick it up, I did. I had to fight a long time for them to clear it up!!! The fought me to clear it up!! They let the charges go thru!!! So their argument of their fraud system is a complete and utter fabrication. They went thru my account, and chose what I could purchase, from my OWN state! I can't even buy my own birth certificate?? With my own money?? My only other option to get my birth certificate is to drive to our XXXX XXXX here in Oregon which is over an hour and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a debit card from MY checking account we are talking about NOT a credit card. This is MY money, NOT the banks money. I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have now suffered immense humiliation and embarrassment and have lost a relationship due to US Bank 's interference. I have documentation, text messages, emails, and phone logs to prove all my claims. This has been devastating to me... I included the last cold text message I got from XXXX. My phone and pc have all the information inside it, and I will gladly hand them both over. I can not find all the places where the information is stored. US Bank has ALL the information, ALL the transactions that were denied, for no valid reasons. I was never given a receipt from XXXX, I was too mortified to ask. You can call down to XXXX XXXX XXXX XXXX. I do not know if XXXX will cooperate, since he is in the entertainment industry, and this might bring unwanted attention. No bank should be able to tell someone where, what, when and who can purchase items with their own private money. I am an XXXX XXXX, born and raised, I have a right to purchase a copy of own birth certificate. This is discrimination, fraud, ID Theft. US Bank, had absolutely NO right to interfere in my life what so ever, let alone in this manner. I can not stress how devastated I am. It took me alot to trust someone.. I don't think I will ever try to date again, or ever try to have a relationship, that is how traumatic this has been. | ||||||
| 03/22/2021 | Yes |
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| On XX/XX/XXXX my Mortgage Lender XXXX a XXXX XXXX XXXX, XXXX, Credit Report on my application for a Home Mortgage ( Att. p. 1-2 ). On XX/XX/XXXX I wrote a letter to XXXX Disputing 10 accounts they were reporting. On : XXXX XXXX XXXX sent me the results of the dispute you recently filed with XXXX. Where the Information contained in this new report demonstrated a completely different set Account History. Where the US Bank, account # XXXX, the Late dates were completely different from the XXXX trport. Where US Bank reported to XXXX ; Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX. Then reported to XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. ( EF 1=30 days late ). In response I then wrote a Direct Dispute to US Bank dated XX/XX/XXXX and sent it by US Mail, Certified Mail, Receipt # XXXX. Where I cited : National Consumer Law Center ; Fair Credit Reporting, 6th Edition : 4.2 ; What is Accuracy? " A report can be inaccurate, even if the report is technically true in some narrow sense, but the report is overly general, incomplete, out of date or misleading ''. ( See Henson v. CSC Credit Services, Diprinzio v. MBNA, et all ). 4.2.1 : The concept of " accuracy '' is an objective one. ( See Cushman v TransUnion Corp., 115 F3d 220, 225, 3rd Cir. 1995 ) A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. On XX/XX/XXXX, US Bank wrote back to say ; We reviewed the information and determined that the information submitted to the consumer reporting agencies is accurate. Claiming that both of these completely different and incomparable sets of information are both correct, at the same time? Title 12 - Banks and Banking 1. CHAPTER X - BUREAU OF CONSUMER FINANCIAL PROTECTION 2. PART 1022 - FAIR CREDIT REPORTING ( REGULATION V ) 3. Subpart E - Duties of Furnishers of Information 4. 1022.43 Direct disputes. ( 3 ) Theconsumer 's performance or other conduct concerning an account or other relationship with thefurnisher, such asdirect disputesrelating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; 12 CFR 1022.43 Direct disputes. ( a ) General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 3 ) The consumers performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) United States XXXX XXXX XXXX, XXXX XXXX. XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ). The key term at issue here, investigation, is defined as [ a ] detailed inquiry or systematic examination. Thus, the plain meaning of investigation clearly requires some degree of careful inquiry by creditors .... It would make little sense to conclude that, in creating a system intended to give consumers a means to dispute-and, ultimately, correct-inaccurate information on their credit reports, Congress used the term investigation to include superficial, unreasonable inquiries by creditors. We therefore hold that [ the FCRA ] requires creditors, after receiving notice of a consumer dispute from a credit reporting agency, to conduct a reasonable investigation of their records to determine whether the disputed information can be verified. XXXX : XXXX Case XXXX Document 1 Filed XX/XX/XXXX Page 1 of 9 PageID 1 UNITED STATES XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX UNITED STATES OF AMERICA , Plaintiff , XXXX XXXX XXXX XXXX XXXX, a limited liability company, Defendant Case No. XXXX. | Case XXXX Document 1 Filed XX/XX/XXXX Page 5 of 9 PageID 5 COUNT II No Reasonable Investigation of or Response to Direct Disputes | Case XXXX Document 1 Filed XX/XX/XXXX Page 6 of 9 PageID XXXX XXXX. Through the acts and practices described in paragraph 19, XXXX, after receiving direct disputes from consumers, as that term is defined in the Furnisher Rule at 16 C.F.R. 660.2 ( b ), recodified at 12 C.F.R. 1022.41 ( b ), has failed to : a ) conduct reasonable investigations of direct disputes ; b ) review all relevant information provided by the consumer with respect to disputes ; c ) complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period prescribed by Section 611 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ; d ) where appropriate, provide notice of a determination that a dispute is frivolous or irrelevant within the time period specified by Section 623 ( a ) ( 8 ) ( F ) ( ii ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( F ) ( ii ), 16 C.F.R. 660.4 ( f ) ( 2 ), recodified at 12 C.F.R. 1022.43 ( f ) ( 2 ) ; and e ) in instances where it has determined that a dispute is frivolous or irrelevant, include the reasons for its determination that a dispute is frivolous or irrelevant and identify any information required to investigate the disputed information. XXXX thereby has violated Section 623 ( a ) ( 8 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ), and the Furnisher Rules direct dispute provisions, 16 C.F.R. 660.4 and 12 C.F.R. 1022.43. | ||||||
| 01/24/2018 | Yes |
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| My husband and I applied and were qualified for a home equity line credit XXXX 2015 in preparation for any home improvement project in the near future and we set up all the accounts in Paperless and online viewing. So when we withdrew {$1000.00} in XX/XX/XXXX and did not get any email or notification about the payment. Suddenly in XX/XX/XXXX, we got a call from debt collection agency about the past-due payment for the balance of {$1000.00} we owed. So by the time we got that call, our Home Equity Line of Credit ( HELOC ) account has been closed, and our {$1000.00} debt is sent to the debt collection agency, and our credit score went down for a couple hundred points! We figured that it is just a small misunderstanding and we will make the payment right away. Unfortunately our nightmare of dealing with US Bank just began. 1. Disorganization and Wrong information : The collect agency said we ca n't pay them right away over the phone which is a strange thing! Then we called the branch, they also said that they ca n't accept a check or cash at the branch for the past due balance of {$1000.00}. Because we do our personal banking with another bank. So US Bank made us send a wire to them for the balance. But then the following week when we talk to them about it, they deny that is the only way to do so. And after 2-3 weeks, they can not find the money we wire to them!!! 2. Difficult customer service : When we asked how can we have our HELOC account reopen, the branch manager told us that it is not reversible due to the federal regulation. So basically we went through the HELOC process for nothing, we could n't access the loan ( except {$1000.00} ) and now our credit card score is being sacked! When we try to contact anyone from US Bank that is in charge of Loan and Credit Line, we can not find any phone number and can not reach anyone, no one!! So we did not get to talk to anyone at all from this department for this matter. The branch gave us a phone number for customer service, but it turns out to be a joke. It 's a low quality voice recording of the address of customer service and they asked us to send a letter ask for the review of our account. They made it so difficult for the customer to review their case by snail mail!! I wrote and sent the letter anyway to ask them to review our case, and of course I never heard back from anyone from US Bank, not even a phone call or email. Just nothing! 3. After a month of hearing from no one and we also can not reach anyone in the US Bank in charge of the loan and credit department to help us. We decided to close all our account with US Bank. Then we found out that the {$1000.00} past due balance that we had paid through wire was not reflecting on our account. Basically our account still show that we owed {$1000.00} after we had paid the bank. When I talked to the bank manager, he dare to ask me to show receipt of my payment!! Is n't that his job to check and make sure the book is correct?! Even after I show them the receipt of the wire and called the collection agency who confirmed our balance is XXXX, my account on US Bank still shows the past due balance. After many weeks of waiting for the branch manager to clear things up for, they did not do anything and they just keep telling me that they do not know what is going on. When does " I do n't know '' is an acceptable answer for doing your job! Finally after several weeks of dealing with their incompetency and deceit, they finally update my account. It is ridiculous that the bank manager dare to tell me that they do NOT know what is going on with my money!! Someone is not doing its job or someone is doing something fishy! 4. Questionable practice of handling the customer 's money and account information : The most suspicious thing that we notice is that through out the mixed up of our {$1000.00} balance online. All the changes were not on the record of our transactions. They freeze the account and once they reopen the account, it did not show the balance we owed, it would not show the date we sent in the payment. Basically it seems like someone has purposely erase all the records of all the transactions to cover the issue of not updating our payment. 5. Ultimately a scam : After painfully dealing with the US Bank for another 6 weeks, our HELOC account miraculously reopen without any explanation! The branch manager tell me again that he does not know why ( he is either incompetent or deceptive ). And after what we go through with US Bank, who would want to bank with them?! When we told them that we are done banking with them and we want to close the account, then they tell us the condition on the " fine print '' of HELOC is that we will be penalized for {$500.00} if we closed the account within 3 years and the 2nd and the 3rd year they will continue to charge us {$65.00} service fee per year. So again we are screwed by the US Bank. I suspect US Bank do not practice ethically and legally and they made it so easy to take our money but made it so difficult to help the customer. Remember the whole time of 3 months of dealing with US bank, we could not get anyone from the loan and credit department to help us. And the branch manager just play dumb and lied to us all the way through. At the end, they erase all the transactions online seem to cover things up. | ||||||
| 05/25/2021 | Yes |
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| In XX/XX/XXXX, Respondent marketed a new checking account promotion to me, which offer provided that if I opened a new checking account with them, signed up for e-statements by XX/XX/XXXX, and within 60 days of account opening made at least two direct deposits of {$4000.00} or more each, I would receive a {$300.00} promotional bonus. The plain language of the terms did not limit " direct deposits '' to deposits that did not originate from another checking account, or to those that originated from an employer in whom I owned no equity and was not an authorized signatory of or other government program. The only time limit specified was for the original two deposits, which already meet the definition of recurring by being more than one such deposit. At some point between offer receipt and XX/XX/XXXX I inquired with Respondent about whether disbursements from the distinct legal entity of the PLLC I perform my XXXX through, which holds a business checking account in its own name ( XXXX XXXX XXXX XXXX XXXX XXXX ), to me would be qualifying, and they indicated they would be. This offer induced me to change banks for personal checking at considerable hassle and effort by opening the new account on XX/XX/XXXX prior to the posted offer expiration and using the promo code advertised ( XXXX ), then timely sign up for e-statements and then through that reasonable reliance, manage the timing of membership disbursements of the PLLC to me as well as obtain financing at some expense to arrange for the payor bank of the PLLC to make two separate {$4000.00} direct deposits into my new personal checking account with Respondent, which were dated XX/XX/XXXX and XX/XX/XXXX, and so were timely made within 60 days of account opening. Respondent 's marketing materials had indicated that the {$300.00} credit could take 2-3 months after completing the offer to post. When the {$300.00} credit had not issued by XX/XX/XXXX, I called XXXX 's general customer service line to inquire. This initial call lasted at least 48 minutes and included 4-5 transfers between departments before a representative was willing to look into it. The final representative I spoke with on XXXX did extensive research and agreed with me that I had met all of the promotion 's terms for the bonus, but could not manually submit it to issue as they could not find the original promo code I had entered, which at that time I did not have access to either. I was then told I'd need to call " Cafe Deposits '' at a specified direct line during certain hours the next day as they would be able to tell what promo code was used and issue the credit. I did so on XX/XX/XXXX, and the direct line redirected me to the automated phone system, then to customer support. Eventually, someone was able to manually transfer me to a representative from " XXXX XXXX, '' who felt they had the promotion identified, but noted that their in-house backend system had classified the deposits the payor bank had sent as " real-time transfers. '' The representative accepted a misclassification had occurred and the terms of the promotion satisfied, but believed that if they submitted the credit request, it would be rejected unless this classification was overridden. Though the account was opened online, they believed the manager of the branch assigned to the account would need to help them approve this, and said they'd email the branch manager and then either take care of getting me the credit or let me know if it needed to be escalated further. This second call lasted at least another 53 minutes. When I didn't hear back from the branch manager or the last representative over the next more than 2 weeks, still with no credit issued, I tried to call the " XXXX XXXX '' " direct '' line on Friday XX/XX/XXXX. I was redirected again to the automated phone system, then to customer support. The customer support agent found notes from the XXXX calls, but not the XXXX references to contacting the branch manager. They could not locate the promo code just as the XXXX rep could not, and could not transfer me to " XXXX XXXX '' as that department had closed. He instead put in a request for me to get a call back from that department today, XX/XX/XXXX. This call took another 33 minutes. A representative from a new department in XXXX followed-up on this and called me today, XX/XX/XXXX. Today 's representative had no issue seeing what code had been entered ( XXXX ), but in contradiction to the information provided to me and the written terms of the offer insisted that because the system classified it as " transfers '' and had originated from another checking account on which I was a signor ( despite that being in my capacity as manager of the PLLC that owned that account ) and that " recurring '' direct deposits meant more than 2 deposits, as well as asserting new terms not provided anywhere in the written agreement that deposits that were not payments from unrelated ( not one 's own company ) employers or government programs did not qualify. Consequently, today 's representative provided me the code that was used and a reference number of XXXX, but indicated that Respondent would refuse to honor the offer. I believe this is a contract breach being done pursuant to an efficient breach policy that may also violate Federal consumer protection regulations. | ||||||
| 01/09/2021 | Yes |
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| I have two bank accounts, one with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the other with US Bank where I do the majority of my transactions at the XXXX, Oregon branch. My complaint is with the XXXX, Oregon US Bank Branch location!!! On XX/XX/2021 XXXX was supposed to automatically transfer electronic funds to my US Bank account in the amount of {$2300.00}. I checked my US Bank account on this day and did not see the funds in there so I called XXXX to see if it went through. They said no, it does not look like it went through. I told the lady who answered the phone at XXXX that it was supposed to be an automatic deposit set for XXXX XXXX. 2021 to my US Bank account and how could this be. She proceeded to tell that the funds do not appear that they were pushed through to my US Bank account and that the only person that can push this through is on vacation. I thought to myself, okay well my bills are not going to wait and this is a bit of an inconveience to their customer so I will have to handle this on my own and asked that XXXX cancel the automatic electronic funds deposit for XX/XX/2021 since it did not show up on time and to restart it XX/XX/2021 instead of XX/XX/2021. Again, she made it clear I needed to talk with the person who I could not talk to because he was on vacation. As a responsible customer trying to fix my problem with my accounts as it was obvious I was not getting any answers with XXXX because someone was on vacation, I decided to write out a check from my XXXX to myself in the amount of {$2300.00} and cashed it at US Bank. I cashed this check at the US Bank XXXX, Oregon location and the teller said only X amounts of funds are available to me immediately and that the rest would be available the next day on XX/XX/2021. I did take the {$220.00} funda immediately available to me at the time of this transation. On XX/XX/2021 I started using my credit card as I knew there were funds available in my US Bank Safe Debit Credit Card account as the teller told me this is when my funds would be available to me. On XXXX XXXX, 2021 an XXXX deposit from my XXXX came in, in the amount of {$2300.00}. I noticed this and immediately called XXXX and said I would somehow need to return that money back into my account with them because I wrote out a check to myself in the amount of {$2300.00}. So, I gave them my ATM debit card to put that money back into my XXXX account from my US Bank account as I assumed the check that I wrote out to myself would go through since I cashed it the day before. So to recap ... I DEPOSITED A CHECK in the amount of {$2300.00} on XX/XX/2021 and THEN on XX/XX/2021 the electronic deposit from XXXX came in and then {$2300.00} deducted ( using my atm card ) from my US Bank on XX/XX/XXXX. 2021 in an attempt to put that money back into my XXXX account to pay for the check that I wrote out to myself. The point here is that the funds were available on XX/XX/2021 for US Bank to cash that check!!! Then on XX/XX/2021 US Bank deducted ANOTHER ... ... ... ... XXXX {$2300.00} from my " Safe/Debit '' account making this account more in the negative! I called XXXX XXXX XXXX and they were able to tell me that the branch placed a HARD HOLD on my account and the be AWARE of this type of account. In the meantime, I'm unable to have access to my funds????? Why would the bank do this. If they simply allowed the check to be cashed, everything would have been fine, but no ... .they have to inconvenience their customer to spend hours on the phone to figure this out in an attempt to get my account back into a positive balance with no assistance from them what so ever. I feel they overreached their bounds by withholding my funds for me when I needed them. So ... .through the advice from XXXX, they suggested I re-write out ANOTHER check and cash it making sure my account has not been stopped from depositing money or that they will NOT charge me fees due to their actions. So, I called XXXX at the XXXX, Oregon location on XXXX XXXX branch because they assist me much better than the XXXX, Oregon location. I asked XXXX if there is a hold on my account and if I could deposit funds into my account. He said yes, you can. So I re-wrote out ANOTHER check from my XXXX account in the amount of {$2300.00} in hopes that this branch DOES NOT return the check back to me like they are doing with the 1st one!!! All that happened here was that I wrote out a check to myself and US Bank returned it because they saw that another deposit of {$2300.00} was from XXXX coming in and then saw me pay XXXX back the {$2300.00} so they rejected my check that I wrote out to myself. In the meantime, I have spent hours trying to fix these accounts in a timely manner to only be inconvenience by their decision to return a check that I wrote out to myself that had available funds. Something so simple, you would think these people at this branch know what they are doing? I have had nothing but trouble and anxiety with this branch. Someone really needs to evaluate how they do business there. Someone seems to be over-controlling their boundaries there and seems they are getting away with it. I sure hope they don't return my 2nd check I just wrote out to myself. If they do, I'm at a loss as to how the XXXX I'm supposed to fix this problem? XXXX XXXX | ||||||
| 06/24/2021 | Yes |
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| I officially launched my business mid summer XXXX, I called into US BANK 1800 customer service department to inform them that I would be starting business and accepting payments from my customers via bill pay through their institutions. The reason being for using my personal accounts is due to the fact all my legal documents weren't finished being processed with Secretary of State California in order for me to open my business bank account. By the ending of that phone call with the rep he stated everything would be fine with me accepting the payments. My customers began sending in their payments for services and setting up auto bill pay. XX/XX/XXXX I was finally legalized in the state and I immediately opened my business bank account with Us Bank as well. The business banker opened the account, transferred {$10000.00} from my checking and into my business account. Days after, I went into US bank branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to make a cash deposit of {$5000.00} into my personal account. The teller XXXX proceeded with my deposit but she took abnormally long to finalize the transaction to where I asked " Is everything okay? Are we done? '' she stated " Oh yes, I'm sorry '' gave me my deposit receipt and I left. The following day, I attempted to purchase items for my office using my personal bank card at XXXX on XXXX XXXX, XXXX, CA and it declined. I called and they said I needed to verify my last transaction at XXXX and I did and they " removed '' the hold. The very next day, I attempted to use my card again and it declined and I called back. I was on hold for 1 hour 45 minutes before the rep said " This type of hold would have to be resolved by the branch '' so I immediately went to the branch and the branch manager XXXX XXXX says " Theres ACH deposits that went into your account that weren't made payable to you are you able to verify all ACH transactions on your account? '' and I states yes, which ones specifically? She skims my account and reads off those that came from my customers, my car accident check that I deposited in person at the branch for {$26000.00} that cleared months prior, she even asked me to verify that my jobs direct deposit were for me. At that point I knew I was being discriminated against, so I verified all transactions via email to the teller XXXX. They stated ; the lift would be removed within 24 hours. I went back into the branch the next day because my card still didn't work & XXXX stated " The account is no longer in our hands, its been sent to the back office and they'll be the ones handling the case someone will be in touch with you '' my account with {$61000.00} had been locked. For months, I've Called 800 and they always tell me " Refer to the branch they'll be able to help you '' never receiving any help from XXXX the branch manager of my home branch or anyone else. I've been to numerous branches, spoke to numerous departments within 800, no one could ever explain what was happening. XXXX came around and I finally received word from XXXX that back office told her " funds aren't payable to you and will be sent back to the originators '' which is my customers. Even after all funds had cleared, been sitting for 2 months at that time that was the resolution. So I'm back calling 800, back and forth to branches looking for the right party contact no one. It's now XX/XX/XXXX, and I finally receive written correspondence that my checking account is now pending closure. XX/XX/XXXX comes and my account is officially closed at a {$0.00} balance! Now I'm back calling 800, back going to and from branches trying to get an explanation as to what happened to my money. I reached out to my customers and no one had received anything back. I called 800 to see if my account had been updated with any notation and it hadn't been but the representative that I spoke with told me that she and her manager were super confused and that she would be getting me over to the right department that would be able to answer all my questions. She got me over to the department that closed my account officially, customer outreach. I spoke with a XXXX XXXX ; he was very understanding and during our conversation it was told to me that my funds went into what US BANK calls it " unclaimed/recovery funds account '' he also stated that my funds weren't being held due to police discretion, there weren't any dispute claims in regards to my funds and that I was entitled to receive them back so he told me to go into the branch and he would be more than happy to talk to the branch manager and guide him through how to get the funds released so I went into a branch on XXXX XXXX in XXXX XXXX, NV and spoke with XXXX ; he then got on the phone with a rep from that department and was given the OK to release my funds and he did. He submitted a report to get my funds sent over the their particular house account and that was finalized the following Friday XX/XX/XXXX. The teller told me she seen my funds in their account but she couldn't sign off on a $ XXXX check the manager XXXX was on vacation until that following Wednesday, so I returned and I was then told fraud analyst XXXX XXXX had put a stop on releasing the funds because " they aren't payable to me '' and that they would be getting sent back to the originators. Thats all I was left with. | ||||||
| 12/28/2021 | Yes |
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| I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted for a fidelity visa signature credit card on XX/XX/XXXX, Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, they're asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Elan financial services aka US BANK of 1 counts of taking unjust advantage against me on XX/XX/XXXX. I XXXX XXXX, consumer natural person and original creditor of an open end credit plan was denied my right of credit by Elan financial services aka US BANK. I was notified of this transgression of my rights specifically 15 USC 1601 Truth in lending act, by Elan financial services aka US BANK via mail on XX/XX/XXXX. Pursuant to 15 usc 1602 definitions of TRUTH IN LENDING act, I as a natural person possessing an open end credit plan was harmed by Elan financial services aka US BANK adverse action taken against me denying my rights which is {$5000.00} in damages pursuant to 15 usc 1640 ( a ) ( 2 ) ( a ) ( iii ) they are now civilly liable. According to 15 USC 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open-end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions don't loan money because there hasn't been any in circulation since XXXX So what is elan financial services denying me for exactly? are they loaning me money? Where is the credit coming from exactly? Can they provide me and the CFPB with documentary evidence on where the money being lent is coming from? According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled Exhibit A & B. This is not a request, I am granted the right to credit under my open-end credit plan which I am administering. Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to Elan financial services aka US BANK was a consumer credit application. Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to Elan financial services aka US BANK as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with Elan financial services aka US BANK. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 USC 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance .I 'm granting the right as the original creditor to open, my open-end consumer credit plan. | ||||||
| 08/01/2017 | Yes |
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| I received a copy of my credit report from XXXX on XX/XX/XXXX. Someone is using my personal information XXXX XXXX XXXX. My drivers license have been stolen in that name. This have been reported to The Social Security Administration. My social security card have been stolen, using XXXX XXXX XXXX. I 've reported to The XXXX Police Department. IRS have been notified of my name and identification being stolen. I recently got a letter from IRS. I 've been told they need 45 more days. I could n't have made wire payments to XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX.I have n't had a checking account since I learned I was a victim of identity theft. There is a address listed on the report that I received from XXXX, that I am not familiar with. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I 've mailed the identity theft packet to you on XX/XX/XXXX. I just received the packet from US Bank in XX/XX/XXXX. I did a change of address with U S Bank to receive the packet. I 've finally got a secured phone line to correspond with you and others. With the help of Consumer Financial Protection Beaura I 've been able to get my credit report. Someone changed my name to XXXX XXXX XXXX. I 've changed my name through probate court to XXXX XXXX XXXX. XXXX is my maiden name. I will send you a copy of the XXXX that I received from IRS, this was reported in XX/XX/XXXX. The Department of Labor Federal Identification Number was used to report information. Tennessee Housing Development Agency was n't used, only typed in, it 's a different address from the address the address with XXXX County Register Office. I did n't receive the XXXX I requested that was reported to IRS. I pulled a copy of the deed to the property, it shows the property was sold for {$18000.00}. I do n't have anything showing {$23000.00} or {$9900.00}. You stated it was sent on XX/XX/XXXX. Yet the XXXX was reported to IRS in XX/XX/XXXX with your dollar amounts. Reference number XXXX. There are two numbers linked to this account. An invoice number XXXX. I do n't have an account to pay using a check with five digits. I notice payments was being made to you with through wire transactions. Example :XXXX, XXXX. The FHA number changed in XX/XX/XXXX/ XXXX XXXX is listed in XX/XX/XXXX. The loan number XXXX, check numbers XXXX was used to make payments. I realized you are not responsible for my mail being stolen. I only mentioned that, because I never received statements from you from XX/XX/XXXX-XX/XX/XXXX. As I 've stated the FBI told me it 's an inside job. I was also told by them to pull all of my tax transcripts. I was also told to pull my credit report. When I filed bankruptcy I told Attorney XXXX I did not purchase the property with XXXX XXXX XXXX XX/XX/XXXX. The credit report reflects that date & year. The report showed a balance in the amount of {$35000.00}. XXXX XXXX showed XX/XX/XXXX also, {$49000.00}. Balance of {$0.00}. The report I recently received from XXXX, do n't show either mortgage. XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX clearly states a bankruptcy chapter XXXX remain on your account for 10 years. From XX/XX/XXXX-XX/XX/XXXX is not 10 years. As I 've mentioned my history is being deleted. Property taxes was n't being reported to IRS on the property for years. I was n't receiving tax statements on the property. I stop receiving statements from the property assessor. All I know is this information should be still listed on my credit report. I need property tax statements on the property at XXXX XXXX XXXX XXXX TN XXXX. The courts have this information on file/case number XXXX. I told Attorney XXXX XXXX XXXX my identity was stolen. I was told by him no-one was going to do anything. A tax return was filed using my social security number in XX/XX/XXXX. IRS is also investigating. Attorney would n't try to help me. This started when I filed a XXXX XXXX law sue in XX/XX/XXXX. In XX/XX/XXXX is the year I began with depositions and received a settlement. I was under wage earner when I filed the law sue. It was filed as workman 's compensation without my knowledge. My records was made public. The XXXX XXXX attorney asked for XXXX dollars. The public had access to my personal information /medical records also. The case number is XXXX. Honorable XXXX XXXX was the Judge over the case. I paid the wage earner courts {$18000.00} to pay my creditors at 100 % when I received the settlement. I did n't receive no where near XXXX dollars. This is why I was targeted in the manner I was. Due to greed/ the love of money. Social Security blocked my social security number on line because of the theft of my identity. I received a letter from them to file a civil sue. I 've been told by The Social Security Administration Department to pull my credit report. I was contacted in XX/XX/XXXX by them. I am seeking counsel to help with that matter. I have been denied XXXX due to theft of my identity. I 'm deprived of health care insurance. It is imperative that the person/persons responsible for this madness be held accountable for their fraudulent activities. I know that I would n't belittle my standards to do a thing like this. I am working with Authority to resolve this problem. I 'm being guided by authority /Federal Government, everything have been touched on a Federal Level. | ||||||
| 03/01/2022 | Yes |
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| Well Im filing a complaint because otherwise you just ignore me I have called and left a message I sent a letter I really dont understand why youre giving me such poor customer service what exactly did I do thats so wrong I was a victim of a crime in the way you handled it issue closed my account for no apparent reason Ive spoken with customer service a couple times Ive spoken with two different people in the fraud department theyve all tried to reopen the account the fraud case was handled in properly I shouldve never had a late fee I shouldve never had anything go wrong they believe it was a computer generated decision why the account was closed if theyre wrong feel free to correct me when Ive spoken to him and Ive tried to get in touch with the office of the president but apparently you dont even take phone calls from your own colleagues I dont understand why as a victim of a crime youre punishing me by closing my account and hiding behind some fine print does it make it OK below is a copy of the letter that I sent to you in the mail a couple weeks ago but nobody has bothered to respond to me you clearly have copies of all the phone calls look at the last phone call I made listen to the customer service listen to the fraud department conversation youll see that Im telling the truth they tried to open the account they dont know why it was closed it should not of been I was a victim of a crime you dont punish your customers for that Im not even sure if its legal for you to punish me and close my account its not my fault that somebody committed a crime against me the bank is supposed to be there to help customers but all you did was give me a hard time not help and now you close the account and you wont acknowledge anybody I got home a few days ago from a trip overseas and there are 1 million letters here so Im reading through them all one of them says that youve increase my credit limit to {$5000.00} which is what I had before Im not quite sure why you reduced it to begin with and then I called and the first woman told me that my account was open and there was no issues with it so I asked why I couldnt see it online she put me on hold she comes back shes like Im gon na transfer you to the fraud department so she transferred me to the XXXXraud department Im on the phone with them for a good 3045 minutes she reviews everything and she specifically read the note that the initial fraud investigation was not handled properly and when they went back to look at it they fixed it and I wasnt liable for any of it after that she said it looks like the account was closed due to past due payments and then the woman I was speaking with started thinking about it and I said exactly if I wasn't liable for any of it to begin with if the case would've been handled properly to begin with no this would've happened there would've been no late payments or be no late fees should be nothing I would've had a good standing account and she said I totally agree with you she's like I'm a put you on hold I'm a see what I need to do to get the account re-opened she contacts her supervisor she contacts a couple different departments and she said finally that I need to get in touch with the office of president but they don't take phone calls which that parts not her fault but you can't help but wonder why you don't take phone calls from your own bank? I'd love to hear the answer to that well because she couldn't get a hold of the office of the president she suggested that I write a letter and she said that she was going to notice so I spoke to numerous people in your bank none of them understand why the account was closed and believe that the account should be reopened because I did nothing wrong there wouldn't be any late payments if the bank hadn't made a mistake to begin with I shouldn't be punish for your mistakes I shouldn't be punished for being a victim of fraud and that's exactly what you're doing you can hide behind your fine print but I didn't do anything wrong and there's absolutely no reason why you should've close my account I'm going to respectfully request that you re-open it there was one other thing she said that there was a cease and desist and she said that was preventing her or possibly preventing the account from being reopened OK I never send the letter asking you to stop communicating with me not once that I send that letter you look up the letter I sent I specifically said that I would prefer things in writing because you told me that this fraud investigation was supposed to be taken care of you didn't do it right so you can understand I have a bit of a trust issue with you at this point so remove the cease-and-desist from my account I don't know why it's there to begin with I just prefer to have everything in writing either be an email or a text message for a paper letter I mean you're welcome to call and tell me what's going on but eventually I want it in writing I definitely look forward to hearing your response and on top of getting my card reinstated and removing the cease-and-desist order I seriously would like to know why your fraud department is an allowed to contact the office of the president thank you so much for your time and hopefully help I look forward to hearing back from you have a safe day | ||||||
| 04/11/2022 | Yes |
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| My pipes froze and burst XX/XX/XXXX. The plumber fixed the pipes quickly for {$390.00} but the flooding caused major damage rendering my house uninhabitable. My insurance is State Farm and my mortgage is US Bank. There is a financial relationship between these XXXX companies, but somehow not for insurance money. US Bank refuses to use electronic fund transfers or next day mail, and resists using email. As far as I can tell they have outsourced most of their loss draft work to XXXX XXXX XXXX XXXX. I am far from the first person to have an issue with them - https : XXXX Mortgage banks can sell mortgages to other mortgage banks, but I can not take my mortgage to a bank I trust without completely refinancing my loan. I did not start with USBank but now I'm stuck with them and their terrible partner XXXX. Electronic banking is how things are done in XXXX. Today is XX/XX/XXXX and I have been unhappily living in a hotel for months. I blame US Bank. The first check I mailed them for water mediation ( removing damaged floors/walls/ceilings and drying it all out ) came back slowly via regular XXXX mail along with XXXX letter dated XX/XX/XXXX. It said to call them if I needed to send more checks, and I did have XXXX more checks so I called and the man said to use the same reference #. Now I know he was supposed to ask me about the total loss amount and tell me about their additional rules for losses over {$40000.00}. When they received the XXXX checks, XXXX for most of the loss and XXXX for {$390.00} to reimburse me for the plumber, they snail-mailed them back to me with no endorsement and a longer letter dated XX/XX/XXXX. This letter lies, because it says they are " committed to helping you get your claims as fast and as easily as possible. '' Electronic fund transfers are fast and easy and possible ; paper checks and snail-mail are slow and have more steps for error. I believe US Bank is more interested in maximizing profit by outsourcing work to other companies ( literally not servicing my loan by paying someone else to do it poorly ) and making sure they never mail anything priority mail ( to save money on postage? ). Now that I understood their additional rules about sharing estimates etc. I followed them. It did not do any good. They insisted they had not received only XXXX doc, the receipt for {$390.00} from the plumber, and according to XXXX they reversed their entire cumbersome check cutting process on XX/XX/XXXX because they didn't have that receipt. But they did have it, since XX/XX/XXXX, and I have the sent email to prove it. Plus it's XXXX separate checks, so if you have an issue with XXXX stop that tiny one not the other one for {$32000.00}. I filed an internal complaint with them XX/XX/XXXX. It still didn't do any good. I was told to call them XX/XX/XXXX to get my tracking # for the complete payment. XXXX told me everything was " completed '' but kept me on hold for XXXX minutes looking for the " priority '' tracking #. I thought the call dropped ( no hold music ) so I called back and XXXX said no they were still working on it. That call did drop and she chose not to call back. Every time you call them they ask for your # to call you back in case a call is dropped. This is another lie. They will not call you back. I've called them at least a dozen times so far and received only XXXX call back, and XXXX emails back. When you call there is an automated system that has never given me accurate information. " Representative '' is not a choice, but once it's done giving you false info and tries to get you to pick another choice if you say " Representative, '' listen to the menu start again and then say " Representative '' again, only then you will get to talk to a XXXX employee. To talk to someone at US Bank you need to tell whoever is not helping you that you need to talk to a XXXX. XXXX was pretty good on XX/XX/XXXX. She is the only XXXX who did anything helpful -- she even agreed to receive email! More typical is XX/XX/XXXX when XXXX didn't tell me that everything had been reversed on XX/XX/XXXX. It's probably not the fault of individual employees, but from my end it's impossible to tell. Today is XX/XX/XXXX. The automated response is still stuck on {$390.00} plumber XXXX and says it's pending an inspection appointment, and that my {$0.00} disbursement is on its way. I went through the menu and got XXXX somehow. He's a XXXX, the one I talked to on XX/XX/XXXX who told me everything was set and to call XX/XX/XXXX for the tracking number. This is the first time I've spoken to the same person twice, so somehow I was hopeful. This feeling was foolish. XXXX said he was looking at the check for the total amount, but still could not give me a tracking number. We enjoyed disappointed silence for awhile because their " teams runs very very slow. '' He said despite reported " approval '' for priority mail it had gone out snail-mail. How can I believe anything they say? He apologized, again. I asked what happens when I pay my mortgage late? Can I apologize and avoid fees etc.? Repeatedly? He did not answer but I'm pretty sure the answer is no -- I have to remit on time or pay penalties every time. As far as I can tell there are no consequences for when US Bank services my loan poorly, so they do. | ||||||
| 01/15/2022 | Yes |
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| I am challenging and disputing that I am the owner ( their records show that I am a joint owner along with my husband, who passed away XXXX months ago ) on a XXXX XXXX XXXX. On XX/XX/XXXX, I called The credit card company to inform them that my husband passed away. They told me that I am a joint owner and responsible for the account balance. I immediately disputed that with them. ( Please note that my social security number is not on their records. They only had my husbands social security number. As of approximately XX/XX/XXXX, they have removed my husbands name and social security number from the account, probably after verifying that he passed away. Now they have me listed as the only owner and no social security number on the account ). At the time of my initial call the payment due XX/XX/XXXX was outstanding, I informed them that I would not make that payment, which I did not feel that I was responsible for, until I heard from them after they researched my inquiry. If at that time they could prove that I also applied for the credit card I would make the payment. I told them that I never applied, or provided my signed authorization to be a co-applicant or joint owner on this credit card. At some point my husband gave them authorization for me to be an authorized user only. I believe when the information was entered into their system, the data was incorrectly entered as a joint owner instead of an authorized user. I immediately filed a dispute through XXXX Credit Bureau, The credit card company responded back to XXXX that the account remains as is. I never received any written acknowledgment from The company directly pertaining to my initial inquiry to them on XX/XX/XXXX. I have continued to call the company to continue to dispute this, I have been transferred to many departments, I hope they have notated the account accordingly. On XX/XX/XXXX, I requested a copy of the application or document showing who applied for the account and more importantly that I applied, for my review. On XX/XX/XXXX, I decided to make payments on the account after discussing with a supervisor in the complaint department.I told her that my concern was if I make payments and it is confirmed that I am not an owner of the account that I will not be reimbursed for the payments made. She assured me that if what I have stated is confirmed that I would be reimbursed for any payments made. On that day, I made the XXXX and XXXX payments in the amount of {$310.00} over the phone with the supervisor. I also told her that I was concerned if the payments were showing late/past due on my credit report and if so would they correct under the circumstances. She said their records did not show that a late payment had been reported to the credit bureaus. I thought that was strange if they reported to the credit bureaus on a monthly basis, but she assured me of this. The company did waive two late fees on the account. On XX/XX/XXXX, I called in and made the XXXX payment in the amount of {$180.00}. I finally received a letter from Elan dated XX/XX/XXXX which says that due to the age of the account the information is not available. Their records show that the account has been open since XX/XX/XXXX. On XX/XX/XXXX, I called in and made the XX/XX/XXXX payment in the amount of {$190.00}. I continue to make the payments so their is no negative impact to my credit. On XX/XX/XXXX and XX/XX/XXXX, I received two Emails from XXXX Credit Bureau to review my report due to recent changes. My credit report now shows that the credit card company has reported a late payment, I believe this was reflected as of XX/XX/XXXX. As a result of the late payment, my credit score has dropped by XXXX points. I called the company on XX/XX/XXXX to discuss this and asked if they would submit an XXXX or whatever needs to be submitted to the credit bureaus to remove the late payment information. I was told that they do not do that but I was provided with a telephone number to call and dispute. I assumed the number was to their dispute department. I called the number, explained the history of my complaint, provided the representative with all of my personal information only to find out at the end of the call that they are not a part of The company. The number given to me was to a Credit Repair company and they requested a hefty fee to challenge this on my behalf. I told them that I was not interested and now concerned that I have provided them with my personal information. They assured me that my information is confidential and protected. I am disappointed that the representative with the credit card company did not tell me who the company was when they gave me the phone number. At this time, I am requesting that the credit card company review their records again and all of the information that I have provided and remove me from the account as the owner. I should not be responsible for the account balance. Also, to update my credit report accordingly and to remove any late payment and any negative impact. I am also requesting to be reimbursed for the payments made to date which totals {$690.00}. Again, I need to point out that my social security number is not on file because I never applied to be a co-applicant or joint owner on the credit card. Sincerely, | ||||||
| 07/02/2018 | Yes |
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| I believe that my credit card account was tampered with and my payments have been fraudulently applied to telecommunication services that I had not authorized on my credit card account. I found it to be suspicious that my statement states the following under the Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay up to a {$0.00} Late Fee. I had called the XXXX credit counseling services in XXXX at XXXX and set up installment payments of {$170.00} per month to be drafted out of my XXXX XXXX XXXX account that I had opened after I closed my XXXX accounts. I have received second hand information the payment was being applied towards one of the telecommunication companies that I have listed below to keep services opened in my name that others were fraudulently using without my knowledge or permission that then aided in doing the external transfers from my bank accounts without my knowledge. Please see the report listed below associated with the fraud : I opened my accounts a XXXX in XX/XX/XXXX. I had a checking account ending in XXXX, savings account ending in XXXX, and a business account ending in XXXX. I closed the business account in XX/XX/XXXX because I decided it was not needed for my XXXX XXXX job as an XXXX. However, after a burglary at my apartment at the XXXX XXXX XXXX XXXX I had to close my original checking and savings account because of some financial documents that were stole that compromised the security of my account. One of the documents being the signature page to add authorized signers to my bank accounts. I reported this to the XXXX Police Department and my renter 's insurance agent, XXXX. I then opened my new checking account ending in XXXX and new savings account ending in XXXX. I continued to bank there think these were the only two accounts opened. But in XXXX I started to move every 6 months and every time I did a change of address on my bank accounts I would receive notice in the mail stating my address was changed but it was also referencing accounts that I had closed due to the burglary. These accounts were kept opened by the people that broke into my apartment and added themselves to my account as an authorized signer. They used my accounts to deposit embezzled money from a fraudulent insurance claim from a XXXX XXXX XXXX XXXX purchase for a XXXX XXXX. The funds were from the secondary insurance company financed into the vehicle whose bank was located in XXXX. The transfer of funds were being made possible through an old sprint account that had access to XXXX XXXX that I had closed but was reopened without my knowledge after I paid the early cancelation fee with my original checking/ debit card account ending in XXXX. When I questioned the bank about the updated addresses on the closed accounts I was told again the accounts were closed. I asked for a statement documenting the closed status on the accounts, but they would only print off a statement that showed a XXXX balance, but nothing that reflected the closed status. When I would speak with the branch managers they told me they could not provide me with the document that I asked for because there was no such form they could provide me. I asked for them to type a letter then stating those accounts were closed and they said their legal department would not allow that. I started to suspect suspicious activity at the bank and felt they were knowingly aiding in allowing my accounts to be used by someone other than myself. I then closed checking account ending in XXXX and savings account ending in XXXX in XX/XX/XXXX. However, all five of these accounts were affected through telecommunication fraud that were being used in fraudulent medical scams. I received second hand information it was settlement money and a trust fund that were placed in these accounts that was never aware of that was awarded to me and was stolen through medical scams. Please see below for the following ic3.gov, FCC, and connected CFPB reports associated with XXXX and the unauthorized external bank transfers that were being done without my knowledge. FCC XXXX # XXXX ic3.gov XXXX # XXXX FCC XXXX XXXX XXXX FCC XXXX XXXX # XXXX ic3.gov XXXX account # XXXX FCC XXXX # XXXX iC3.gov XXXX XXXX FCC XXXX XXXX # XXXX iC3.gov XXXX FCC XXXX XXXX # XXXX iC3.gov # XXXX My XXXX credit card ending XXXX has also been tampered with and my monthly payments have been fraudulently applied to the above referenced a telecommunication service that others have been stealing in my name that I have reported in the XXXX reports that should not be opened because I have closed all of them due to fraud. These telecommunication fraud/crimes have also affected my bank accounts that I have opened since I left XXXX. External transfers have illegally been taking place without my knowledge while other individuals have been operating out my accounts after I open them and keep committing the same scams and crimes over and over again. Please see the following CFBP reports. XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX | ||||||
| 07/31/2020 | Yes |
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| Total Pages:17 Page:1 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC. XXXX To : Whom It May Concern : I am writing you to seek your help in a matter which I shall describe in definitive detail. I seek your help because, I have prior to this writing exhausted all, of the conventional avenues of correction available to me. In early XX/XX/XXXX, I made my monthly credit card, timely, just as I have always done. A review of my record will reflect that I have never been the subject of a late credit card payment over 30 days late. This credit card was originally issued by XXXX XXXX XXXX XXXX. At some point in time apparently the credit union chose to sell its credit card operation to Elan Financial Services, located in XXXX XXXX, Missouri. The card number is XXXX and the card was issued to me, my name is XXXX XXXX. On XX/XX/XXXX, Elan Financial Services reported to the Credit Reporting Agencies that the above referenced payment was late. The following is a chronological dissertation of the events and my efforts towards resolution. XXXX I spoke with XXXX , a customer Service for Elan Financial Services , working out of their Iowa Offices, to advise that the payment that I referred to earlier was still sitting in my account. XXXX I called Elan Financial Services for the second time to advise that the funds were still sitting in my account. I spoke with an associate in Card Member Services, who initiated a conference call to my banking institution, XXXX XXXX XXXX XXXX XXXX ( XXXX ). A supervisor for Elan Financial Services, whose name was XXXX. She advised that her company, Elan Financial Services, had processed the payment incorrectly. She further advised that Elan Financial Services had processed the payment with the correct account number but had failed to process a needed suffix number needed for successful processing the payment. XXXX apologized for the error, refunded the applied late fees back to my account instantly, which was {$60.00} and assured me that she would resolve the issue. The dispute letter from Elan Financial Services Stated that the payment was return to me as a GESTURE OF OUR APPRECIATION FOR YOUR BUSINESS. ( which you can go back and request the phone conversation, that was NOT never mention ). In the letter that Elan Financial Services sent to me the letter Stated that the account was close due to the return payment. Which was totally not correct. XXXX also requested a letter from my Credit Union, If they could provide a letter on their letter head, confirming the availability of funds in my account at the initial time of processing. This letter was provided as requested. XXXX I spoke with an employee of Elan Financial Services whose name was XXXX , to advise her that the referenced funds were still in my account, XXXX advised that I had to file a formal dispute in order to resolve this issue, and that NOW my payment was sill not drafted and that I needed to file a dispute with Elan Financial Services XXXX XXXX I filed the dispute with the company immediately ( Elan Financial Services ) by the way of fax. XXXX I filed my first dispute by Mail and not with the company, I filed it by way of mail. XXXX I received a letter from Elan Financial Services XXXX which in part confirmed the aforementioned facts, stated in this letter but stated that the funds returned to my account as stated earlier, was simply a gesture of goodwill. XXXX I received a response from Elan Financial Services XXXX acknowledging receipt of my dispute. They requested additional supporting information. That information was supplied. XX/XX/XXXX -I filed my second dispute XXXX I received a response from Elan Financial Services , requesting additional Information. That information was supplied. XXXX I filed my third dispute XXXX I received a response acknowledging receipt of the dispute and requesting additional support data. That data was supplied. XXXX I filed my fourth dispute A review in information available on Consumer Financial Protection Bureau website and it reflects that there are over 1600 similar complaints on file against this company within a few months. In addition, If needed, I will reach out to the Office of the Attorney General and the XXXX XXXX XXXX if I can not get any aid in this matter. I have suffered greatly as a result of this improper action. My credit profile has suffered a deficit of 89 points. This lack of corrective action is costing me money, damaging my reputation, as well as depriving me of the fruits of my efforts over a long number of years, caring for and protecting my credit profile and Violation of the Fair Credit Reporting Act ( including but not limited to Section 807-8 ) ( 623-b ) and Defamation and Negligent Enablement of identity fraud. This has impacted my time, finances and is destroying my credit. I beseech you to assist me in whatever manner you can to aid me in resolving this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Page:2 Company Name that I am submitting a complaint : Elan Financial Services *RE : Account Number- XXXX Address : XXXX. XXXX XXXX XXXX, ND. XXXX ( PLEASE FIND ATTACHMENTS ) for the dispute letters | ||||||
| 11/10/2023 | Yes |
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| XXXX XXXX XXXX XXXX an individual stating they were with U.S. Banks Fraud Dept called me from a XXXX XXXX number stating they suspected fraudulent activity on my accounts. For me to confirm it was U.S. Bank, they texted me a code to my cell phone. They sent me a text from the U.S. Bank Alert notifications phone number which was already in my phone as I have received text verifications from this U.S. Bank phone number before. I provided the individual the code and they proceeded to inform me that someone was trying to make a charge outside XXXX and that someone was also trying to issue a wire fraud. I explained neither were authorized. They then proceeded to verify high dollar amount charges that I had made ( therefore, they were in my account and I did not provide them with any personal information such as my SS # or pin ). Ultimately, the individual issued two wire transactions using the codes he texted me. Obviously, I unknowingly had ultimately approved the wire transfers to then go through but again, at this point I thought it was U.S. Bank and that the wire transfers were not going to be successful. XX/XX/XXXX in the evening I was not feeling comfortable with the situation and called the U.S. Bank Fraud line XXXX XXXX XXXX but I was unable to get assistance because it was after XXXX XXXX Therefore, I called the general customer service line and the first individual could not assist me because he only dealt with checking accounts and stated he couldnt do anything about it and I would have to wait until the morning. Therefore, I called this number back and spoke to an individual who was able to freeze my accounts but stated I would have to wait until the fraud dept opened the next morning at XXXXXXXX XXXX to discuss the issue further. XX/XX/XXXX, I went to the bank at XXXX to express my concern about the problem and the bank rep ( XXXX ) stated I would get my money back and that he would file a fraud claim and closed my accounts. He told me to come back at XXXX on XX/XX/XXXX to walk through opening up my new checking and saving accounts. I was at this bank location for almost two hours. XXXX I went down to the bank for my scheduled appointment at XXXX and the bank rep XXXX XXXX XXXX was not there so they had me meet with another rep XXXX XXXX XXXX and I re-explained the situation. I was at the bank for about an hour and a half again as she tried to contact the right individuals and almost seemed to have to go through a completely new and different process compared to before. She advised that I contact XXXX XXXX XXXX XXXX XXXX to follow-up on claim number XXXX XXXX XXXX was unable to return my funds due to the accounts being closed and she didnt have the new savings account information. Therefore, I gave her my new savings account number and she mentioned she only had received information about the wire transfer for {$5600.00} which she believed she could recover, and would complete this return into my new savings account by the next day. However, she mentioned that there was nothing she could do about the other wire fraud of {$9200.00} on XX/XX/XXXX. She said that this could be irrevocable and is unsure why I was guaranteed I would get this money back as unauthorized wire transfers from online accounts may be irrevocable. She mentioned I would need to follow back up with my branch for them to locate this unauthorized claim as she has had no connection to this efraud. XXXX XXXX emailed me the claim number of XXXX. XXXX I went back down to the downtown branch to speak with someone to try and receive yet more clarity on what exactly was going on and XXXX assisted me. I was there again for an hour and a half and I reexplained the situation as he tried to determine next steps. He filed an affidavit of unauthorized paper debt and was to email it to XXXX and was then going to email me the document for my records which I did not receive. XX/XX/XXXX, I called the bank and asked for XXXX to email me the documents as I did not receive them. XXXX I called the bank and spoke w/ XXXX who was going to follow-up with XXXX to have him email me the affidavit which I then received, and she was going to investigate the claim further. She called me back that eve and provided a claim number of XXXX and mentioned it may have been wired to an international bank account and this process may take longer. XX/XX/XXXX, I called U.S. Fraud XXXX XXXX Provided claim XXXX XXXX which was submitted on XX/XX/XXXX and they stated it was denied on XX/XX/XXXX but no reason was provided. The representative was going to email the dept requesting an understanding for why it was denied and get back to me within 48 hrs. XX/XX/XXXX, I called downtown U.S. Bank branch and spoke w XXXX who was going to speak w a manager on XXXX to see if there is anything she may do to reimburse the funds. She mentioned the second wired fraud was likely not going to be refunded due to there not being any funds in the account the money was wired to. XX/XX/XXXX, spoke with XXXX who mentioned that essentially the bank would not reimburse me for the {$9200.00} as there was negligence on my part since my U.S. Bank username/password was compromised at some point and I essentially authorized the wire transfer. | ||||||
| 12/19/2022 | Yes |
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| I filed a dispute in the amount of {$2600.00} on XX/XX/XXXX to US Bank and XXXX under the following categories. My dispute number is XXXX. Charges on goods or services that weren't delivered. Charges for goods or services that are received by not as described. This is part of the Fair Credit Billing Act ( FCBA ) enacted to protect consumers from unfair credit billing practices and enables individuals to dispute unauthorized charges and undelivered goods or services. I submitted all documents showing that the merchant is doing fraudulent business and the service has not been delivered. However, US Bank and XXXX made a FINAL decision favors the merchant and does not allow me to appeal/reopen since Ive signed an agreement of no chargeback and no refund. I disagree with the decision. I made multiple phone calls to reopen my dispute but all the requests are denied. I requested copy of the merchant response after being informed the merchant submitted XXXX pages of response to my dispute. I havent had any rebuttal response chance to the merchants response. Ive received only XXXX pages of merchants response and all agents and even the supervisor said this is a FINAL decision and there is nothing they can do since I singed it. Even though I signed the contract, US Bank and XXXX must have policies based on the FCBA that supersedes the merchants return policy if the product is " significantly not as described '', " misrepresentation '', or not as advertised. The merchant has been misrepresenting themselves and has been selling faulty product and not fixing and refunding it. Misrepresentation is illegal in US. This is my first dispute with US Bank since I have been a US Bank customer from XXXX. I am attaching all documents Ive submitted. The merchant information is as follows. XXXX XXXX has been selling counterfeit product. They have been doing their sales based on the XXXX XXXX clinical experiences as a physician and as an US trained doctor, he has been selling how to make $ XXXXXXXX XXXX XXXX monthly passive income and achieve financial independence without working more hours. The purchase includes access to the website with lecture materials, access to the online community, and weekly feedback sessions with XXXX XXXX for 90 days. Their dominant and primary service is the weekly feedback sessions with XXXX XXXX. Their product is not digital product. They have been selling service. I havent received the weekly feedback session. I requested cancelation ( XX/XX/XXXX ) a day after payment ( XX/XX/XXXX ). They and I, both parties, have recorded sales presentation session which was free occurred before payment. Therefore, the merchant response showing access log on XX/XX/XXXX and 74 % course completion are all false statement. I even realized after talking with a credit card company representative that the transaction was international charges in XXXX XXXX. The sales rep ( XXXX XXXX XXXX, who is also the president of XXXX XXXX XXXX said that XXXX XXXX is an emergency doctor trained in XXXX XXXX and the United States and has vast experience in business as well, which qualifies his teaching where he has successfully guided many doctors making passive income. All their website XXXX has advertisement that he is an ER doctor. Based on National Provider Identifier Standard ( www.cms.gov ), all health care providers who are HIPAA-covered entities, whether individuals or organizations, must get an NPI. All doctors during training ( residents ) and who finished their training get a National Provider Identifier ( NPI ) number, which XXXX does not have. XXXX information is public records in the United States. No information is found with name of XXXX XXXX NPI number. The identity of the XXXX is also in question. No medical training information in the United States is available. XXXX has not been trained in the United States and he is not an US physician as he and the president of XXXX XXXX XXXX XXXX XXXX XXXX ) described. XXXX XXXX is a scammer who pretends to be a US trained doctor and deceives people. I believe that I am a victim of high-level fraudulent organization or scam. XXXX XXXX does not have credentials to say that he is trained in the United States and is misinformed about his credentials that qualifies him to teach US doctors or US health care professionals. This is an intentional fraudulent statement that the rep ( who is also the president of XXXX XXXX ) repeatedly gives to consumers advertently to lure customers to purchase the course. I realized all these facts after paying money. No one would buy this product or pay money for their service if they knew XXXX XXXX XXXX finished his emergency medicine residency and hasn't even started his residency. I am also attaching the response from XXXX XXXX XXXX of XXXX XXXX showing XXXX XXXX is currently not included on the XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX ( the Council ) and the response from XXXX XXXX XXXX why he is not allowed to represent themselves as an XXXX physician trained in US and XXXX XXXX. The official agencies support that this is obvious misrepresentation since he has not finished his residency. Additionally, I have been reporting my case to scam reporting sites. | ||||||
| 05/27/2022 | Yes |
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| XX/XX/XXXX - scheduled my Elan business credit card payment through my XXXX XXXX small business account bill pay. Scheduled to pay on XX/XX/XXXX XX/XX/XXXX - Noticed my bank account was negative $ XXXX. The reason for this was that my payment of {$210000.00} went through to my Elan credit card. Called XXXX XXXX and spoke with XXXX. He told me that due to money laundering laws, this should not even be possible. 25 minutes later, he completed a request to reverse the payment in the amount of {$210000.00} ( the difference between my payment owed of XXXX and what was taken XXXX ). I was told this would take 14-17 days to get returned to me. Since this was not acceptable, I asked him to get a supervisor involved. He came back and assured me that the information was correct and it would take 14-17 days for my money to come back to me. I asked if I should just call my bank and have them stop the payment and he advised that might be quicker. I asked if I was able to make that happen, should I call back and notify them? He told me it would not be a problem and XXXX would see it. I then called my XXXX branch. I spoke to the branch manager XXXX who told me she declined the payment. There were XXXX other smaller payments she approved on my account that day but she had to make a decision by XXXX and since she was not able to speak to me, she denied the payment. She told me she would have to charge a {$36.00} NSF fee but my account was back to the {$42000.00} in it and I would not be bouncing checks for the next 2 weeks. She assured me these were all hand processed at XXXX so she would not process a payment for {$170000.00} more than what was in my account I then went back into my bill pay and sent a {$2100.00} payment to XXXX so my payment was not late XX/XX/XXXX - XXXX XXXX account positive balance {$43000.00}. {$2100.00} payment posted for Elan credit card out of XXXX bank account XX/XX/XXXX - " payment posting error '' showing up on Elan credit card statement. Credit card statement balance - {$210000.00}. Bank account negative $ XXXX XXXX - I noticed bank account negative. XXXX NSF charges of {$36.00} each. Since it was after hours and I was out of town, I called XXXX. Spent just over 2 hours on the phone with representatives XXXX and XXXX. They could not understand how this could happen once, much less twice?! After being put on hold and discussing all sorts of things, we had no resolution. Elan credit card is obviously run BY XXXX and the two can still not find the correct people to figure out how to get this money back into my account quickly. I was promised a call back in the morning at XXXX as their call center was closing and they could not find the correct people to speak with. This phone call back was NEVER received XXXX - Went into my branch of XXXX. Spent 3 hours with XXXX and XXXX. Called Elan and spoke with XXXX. I was told that a check was sent to me on XXXX. A check!?? They could not tell me where the check was sent so things got really infuriating. Finally I was given a check number, a check amount, and told the check was mailed to XXXX XXXX. The address and phone number I was given for XXXX solutions was incorrect ( I called ). Elan told me they could not get my bank a picture of the check, they could not overnight the check, they could not transfer the funds electronically. There was basically nothing that could be done as their policy is to return the funds the same way they were received. Since XXXX solutions is the bill pay company of XXXX XXXX, that is where the check was mailed. The bank ensured me that it was a ACH payment. Elan ensured me they received a check so there was nothing that could be done. The bank offered their Fedex account to overnight the check, XXXX said that was not an option. I simply had to wait for this check to get to XXXX XXXX and wait for them to post it so my account could be positive again. The bank offered me a marker for my account and ensured I would not bounce any more checks. XX/XX/XXXX - {$210000.00} was posted to my bank account XX/XX/XXXX - bank refunded all my NSF charges This has been an absolute nightmare. I am a small business that made it through Covid. This is not the stumbling block I expected to slow me down. There has got to be a regulation in place that stops a credit card from taking payment of 10,000 % more than what they are owed. No bank should clear a payment for {$170000.00} more than a customer has in their account. As a small business, I have never bounced a check. Since this nightmare, I bounced XXXX. During this time, my business still had to exist so I took thousands out of my personal bank account to pay my people for the events they worked so I was not bouncing checks to them ( it's not good for business ). I got no sleep for weeks, my credit card company made interest on my overpayment, I bounced XXXX checks to contractors, and spend HOURS talking to people that did nothing to help. I understand rules and regulations that Elan has but we are not talking about a {$200.00} check here. There has GOT to be something in place to flag a payment that is 10,000 % more than what a customer owes?! No one should ever have to go through this ... .not a human, not a business, no one! | ||||||
| 10/30/2023 | Yes |
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| Synopsis/History : Back in XXXX XXXX my son had a fraud situation on his checking account-I was on the account with him ( although I never went into his account ) and they put a hold on the account for fraud while they investigated-this was understandable, but they also put a hold on all of the accounts that I was also a signer on ( 5 additional accounts ). I spent over 12 hours on the phone and at our local branch speaking with a personal banker and their online banking and fraud dept to get it all resolved-which finally happened in late XXXX. From late XXXX until XX/XX/XXXX, I was able to use my joint accounts with my husband with not an incident, deposits were made-bills were paid-transfers and XXXX went through without a problem. XX/XX/XXXX, XXXXMy husband went to transfer funds from his personal checking to our joint checking account and was told by the teller there was a hold on our joint account due to fraud from XXXXMy husband explained there was never any fraud on our accounts, only our son 's account, and it had all been resolved-so the teller took the hold off and she deposited {$2200.00} into that account. I also received a XXXX payment that day and a auto transfer from our daughters checking account for room & board. It also looked like our bill payments were going through as well, so I was not concerned. XX/XX/XXXX, XXXX go on my online account everyday and noticed that there was a past due notice on our mortgage payment ( also with USBank ) which I had set-up to pay on XXXXso I went on the mortgage side and the payment had disappeared. I then called US Bank Mortgage that evening and was told by the rep, that they tried to process the payment twice ( on the XXXX and the XXXX ) but it bounced back even though there was over {$4000.00} in the account on those 2 days. She told me it looked like there was a hold on the account on online banking side. I want to mention that USBank never contacted me via email or letter stating that they had put a hold on the account-my husband only was told by the teller on the XXXX, 5 days after the payment was made and rejected. So I called the fraud dept to find out why there was a hold and they would not give me any information but said I need to go to the branch to talk to a rep at the bank. XX/XX/XXXX, XXXX went online to set-up a phone call appt with the personal banker at our branch for Friday morning at XXXX XXXX. I received notice that the banker would call me at XXXX. XX/XX/XXXX, XXXX I was to speak with the banker, I went onto my online banking app-and got very upset when I noticed that the checking account in question that had over {$6800.00} in it, ( which should have been less if my bill payments were processed by US Bank ) disappeared from our list of accounts. I then received a notice via email that the withdrawal from that account got processed for $ XXXX-now I was in a panic! I again called the Online Bank dept at XXXX and the person I spoke with, kept telling me I needed to talk to the fraud liason center which would open in 1 hour. So I called the XXXX at XXXX and was told the account was closed-but they would not tell me why and when I asked them to transfer the funds into my other checking account they said to speak with the personal banker at XXXX ( via phone call ) to get more info. At this point, my husband and I decided to go to the branch at XXXX just in case we did not get the phone call. We sat in the car until XXXX and never got a call, so we went in and the personal banker and branch manager stated they were unaware of all of our issues but the personal banker who has always been very helpful and was that day as well took us to her desk and contacted other departments to find out what was going on. They told her they closed the account that morning and that a cashier 's check would be processed for the balance due after another review ( they said it would take 2 weeks ) -Our personal banker told them that their was never any fraud on this account and also asked why the mortgage payment never went through? They did not give her any information but told her we would have to open a new checking account. All of our accounts are at USBANK including savings, Mortgage and L/C and I needed to pay the mortgage which bounced but they did not give me access to our {$6800.00} so we had to transfer {$6000.00} from our Line of credit to cover the mortgage and to pay all of the bills that got returned or rejected by USBank ( even thought the funds were in the joint checking that they decided to close with out our consent our any prior notice. So now we have returned check fees to pay, interest on the line of credit since we had to borrow from to pay our bills, a late fee on our mortgage which I plan to dispute as well and fees to order new checks. We also have not received the payment of {$6800.00} which I believe should have been deposited into our joint savings account or the new account right away. If I had funds at another bank I would have never agreed to open another checking account with them but we both felt we had to do it since my husband 's social security check gets deposited into checking. I feel we have been taken advantage of and scammed by US Bank. | ||||||
| 07/15/2022 | Yes |
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| On XX/XX/2022, I discovered that my personal information had been compromised. This includes my driver 's license and social security number, several of my online accounts had been accessed, I lost access to the majority of my online accounts due to someone changing my passwords, and there were multiple attempts to open credit cards in my name. On the morning of XX/XX/2022, I closed my checking and savings account at my former bank and opened new accounts at U.S. Bank. Part of restoring my identity was creating a new email address and was provided a new phone number by my phone carrier. I provided this information via telephone to U.S. Bank on the morning of XX/XX/XXXX when I opened my accounts. While this was occurring, I also noticed that someone had tried to open a credit card in my name through U.S. Bank. I spoke to U.S. Bank 's fraud department and explained the situation and reassured them that it was not me who applied for a card. On XX/XX/2022, I was able to regain access to my former email account only to see that U.S. Bank had sent my account confirmation emails there. I immediately called U.S. Bank 's customer service department to confirm that these were legitimate emails from U.S. Bank, as these emails were sent to an email address I did not provide them when I opened the account. Further, I asked why they would send emails to an email address that I'd informed them I no longer had access to, and in fact told them that someone else had access to. I was transferred to the fraud department and I again explained the situation. I told the rep I spoke with that I was concerned that U.S. Bank was not taking this seriously enough. Further, I explained to the rep that every single question she asked me in order to verify my identity were questions that could be answered by the person who stole my identity and that I was losing confidence in U.S. Bank 's ability to protect my assets. The rep suggested we put a verbal passcode on my account as an extra step. However, the rep was also relatively rude, and was unable to confirm for me my information on file ( email address and phone number ). She said she didn't have access to that information. It's ridiculous to me that the fraud department would not have access to information such as that. The rep also told me that she wasn't able to explain why the bank sent new account confirmation emails to my old email address and I'd have to go into a branch to talk to someone. I called my nearest branch, which was in XXXX, WI, around XXXX XXXX CST. I asked if there'd be someone available for me to speak with in person. I was asked if I could be quick since they were going to close soon. I arrived just before XXXX and brought the printed emails and once again explained the situation to a rep named XXXX. She called her fraud department and we again asked how those emails were sent to my old email address and why my account wasn't updated with my current information. The fraud rep tried to assure me that I had nothing to worry about, as the emails the bank had sent to my old email address didn't contain my account information. I again explained the severity of the situation and informed both XXXX and the fraud rep that someone has access to all of my personal information, including that email account, and the entire point of me changing banks and creating a new email address was so the person ( s ) who stole my information wouldn't know that I'd changed banks. I again explained to them that I did not have confidence in their ability to protect my information and my accounts. I was at this branch for approximately 20-25 minutes before anyone even noticed that I had a verbal passcode on my account, which only served to validate my concern with U.S. Bank 's privacy claims. It was determined that, because my father has an account at U.S. Bank for which I am listed as a contact, whomever set up my new accounts just took my contact information from my father 's accounts and carried it over to my new accounts, even though that is not the information I provided. XXXX tried to once again assure me my information was safe, told me that the only reason she allowed me to come in was because it sounded urgent, and she'd watch my accounts over the next few weeks to determine if any further issues occurred. Towards the end of XX/XX/2022, I received signature forms in mail in which U.S. Bank is requesting my signature. On each of these forms, my ID type is listed as Military ID. I call U.S. Bank customer service again and ask them to clarify, as I have no affiliation with the military, and given the current circumstances, I want to ensure these are legitimate forms. I again explain that my information has been compromised. Once again, the customer service rep I spoke with not only does not ask me for my verbal passcode but tells me it's probably a typo on the forms and I don't need to worry about it. So now my money is stuck with a bank I have XXXX confidence in. I get charged if I close my accounts too early, so it's been a daily stressor for me. They've made mistake after mistake with very little acknowledgement, and as soon as I can close my accounts with them without a penalty, I will be doing so. | ||||||
| 09/26/2021 | Yes |
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| In XXXX, I sent a paper pay check, to the Bank-by-mail address for U.S. Bank for {$190.00} XXXX I did not deposit the check through the mobile application since the application was having issues, and there were no U.S. Banks in the state where I was attending college. The check never was deposited into my account, so I spoke to bankers in XXXX & XXXX at their general customer service line who informed me that 1 ) the check would eventually be deposited since there may be delays or 2 ) to call my employer and just ask for a new check. I contacted my employer, who investigated and concluded that my check was indeed deposited into an account so they could not issue me a new check. On XX/XX/XXXX, I called U.S. Bank who informed me that they would credit my account with an adjustment within 3-5 business days, and they finally determined through the check number that a banker accidentally deposited my check into the wrong account number. They also stated that they would call me within 3 days to follow-up. However, that never occurred. On XX/XX/XXXX, I called and another banker attempted to do the adjustment, but that never occurred. On XXXX, I called and another banker attempted to do the adjustment for within XXXX business days, and that never occurred. On XXXX, I called, and this banker ( XXXX ) opened an investigation and informed me that I would be receiving a provisional credit within XXXX business days. On XX/XX/XXXX, I called to ask for this information in writing or an option to send this in writing, and the banker informed me that the bankers have back-to-back calls and do not have the time to send confirmation in writing to customers. On XX/XX/XXXX, I called and spoke to a banker named XXXX, who stated that the deposit would now occur on the XXXX business day ( XX/XX/XXXX ) to allow for processing on the XXXX business day. This never occurred. On XX/XX/XXXX, I called and spoke to XXXX, who emailed the ACH department and provided me with their phone number since I had not received my provisional credit or any information related to the investigation. On XX/XX/XXXX, I called the ACH department and spoke to XXXX, who emailed a different department, and informed me that she would call me later that day or the next day. She informed me that XXXX accidentally filed my dispute investigation claim incorrectly, so this is why I have not received my provisional credit. This follow-up call never occurred. On XX/XX/XXXX, I called the ACH department and again spoke to XXXX, who informed that she would put me on a brief hold so that she could speak to her manager. Instead of putting me on hold, she immediately transferred me without informing me to another banker. This next banker informed me that this may not be an issue that has anything to do with the ACH department. They also stated that they would put me on a brief hold so that they could figure out how to resolve this, but again, instead of doing this, immediately transferred me without informing me to another banker. This next banker informed me that I would not be receiving a provisional credit after 10 business days of an investigation since provisional credits are only for credit card or debit card transactions. I read to her the Regulation E guidelines and the information from the U.S. Bank Digital Services agreement, which contradicted her statement. Then, she stated that I should go into a physical branch, and they would be able to provide me with this provisional credit. I reemphasized to her that the reason I mailed the check is because I am in a state without a U.S. Bank. Then, she stated that they had just opened a branch that is a three-hour drive away from my city. I informed her that I did not have a car, and I was not going to drive that amount of time even if I did. Then, she suggested that I call the Bank-By-Mail branch to have them issue the credit. When I told her that there is no phone number for this address, she then discovered that this bank-by-mail location can not be contacted by phone number. Then, she informed me that she would file a new investigation that if I agreed to, I would not receive a provisional credit and it would take somewhere between 30 - 90 days. I declined this since this has been going on for months, and I asked her to escalate this situation. She could not do so and stated that she could not help anyway else, so I immediately contacted the ACH department again. This banker stated that XXXX manager had contacted the XXXX yesterday, and the CCU should be calling me by Wednesday. They also stated that the previous banker 's recommendations would be a waste of my time, and that the previous bankers are trying to " give me the run around so they don't have to do anything. '' I informed her that I have been repeatedly told that I will be followed-up with but they are unable to do so at any point, so I requested their phone number for when they do not call. She could not provide this. This is absolutely ridiculous that I have spent hours over months requesting that U.S. Bank deposits a {$190.00} check when 1 ) I have a picture of the check and 2 ) their Bank-by-Mail service caused this error as they deposited it into an account that is not mine. | ||||||
| 01/18/2019 | Yes |
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| This is my wifes account, I cant figure how to register for my complaint I'm using hers. Trying to get thru to anyone on the phone with issues is virtually impossible. I cant begin to stress frustration with this bank and this issue which should had never escalated this far. My wife has been thru XXXX trying to prove something she never should of had too. This is clearly an error, glitch on there end. We filled a complaint prior to this and they put the money back into our account and once this was closed the next day the money had been taken out as fast as it came. Unbelievable how dishonest, non professionalism, not helpful, always hold then transfered, or the phone rang to get no answer, they have made this process. XX/XX/XXXX we attempted to use our check card which at the ATM terminal is stated an error, tried once again it said declined call bank. My wife calls the number on back if card. We had a 11min conversation and told to wait til after XXXX then it would be ok to try again. XX/XX/XXXX two more attempts. First attempt was {$100.00}, {$200.00}. That we were declined and After XXXX on the XX/XX/XXXX {$200.00}, {$200.00}, nothing worked, the terminal declined. We contacted the same number again after being told first time it was due to over exceeding our daily limit. Which we thought was odd. Because we had not got money from an atm and were trying too. The 2nd call after logging onto the mobile app, which might I add, hard navigating. We noticed the charges showed pending and the atm fee was included, very concerning. Had another 11 min conversation. The lady was nice she said she could see that we had attempted to get money, she could see that it was declined, she see that no money was given. She didnt know why then she stated hmm, there is a lock on your check card for atm usage to give her few minutes she would remove the lock which my wife did received {$100.00}. We needed to access money we pay rent with cash due to issues occurring where we were so I went to a usbank atm and was declined. This {$100.00} was refunded All together there was {$200.00} x 3 attempts totaling {$600.00}. And {$100.00}. X 3. We were credited one of the {$100.00}. And my wife sucessfully received {$100.00} from atm. So total for that owed is {$100.00}. The total owed now is {$710.00} plus {$10.00} in atm fees. We called again concerned due to the transactions showed pending. We were assured told not to worry if would work itself out. That there must been glitch and she was inputting in the system that she saw no money was given out and again assured that the computer would catch and fix this problem before the pending became a final charge. This is where the nightmare began. We sent a claim in, they sent back 4 papers with four separate ref number from the same card used. Investigating. Had they truly investigated or perhaps corroporated with in there own company the phone calls they record make it known there is a recording would have laid this to rest from the start. We made several attempts to ask for them to listen to the calls but told they cant, they cant get video, everything was cant cant cant or the run around, they tried confusing my wife when she stated her mental disorder and used it to upset her confuse her change dates etc. Unbelievable the measures taken when they were the problem. This was on usbank side. No money was given, so then we were told they had to take word of atm owner that their records showed no overage or problems why would it there atm said declined no money so naturally one would think they should check there end check the call logs listen to recordings but that was mistake and they treated us like we were criminals. It took til our previous complaint for them to acknowledge we did send complaint in, They said never received had my wife do again she did on XX/XX/XXXX to be told then it was past the timeline. My wife goes thru our files finds original claims and there letters sent back two wks afterwards And here we are they end the case we complaint with money into our account case closed and took it out and we have again been unsucessful in getting anyone to respond. They always talk or send letters of other dates but not the one in question at the time we referring too..ok u did or that or that date but these are the dates we are referring to. It feels like they are just stealing from us and thumbing their nose in our face. They refuse any help because if they attempted any help or listen to calls made they would see we never received money. Yes you credited us {$100.00}. Yea we received $ XXXX.from atm those transactions are not included in ones we are submitting claims about. These tool place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but went thru on XX/XX/XXXX yet they refuse to stay to the claim were referring too. We only want money that they stole that is how it is. Dishonest bank. Just listen to the calls audit your books what ever it takes because the issue is in usbank end not the atm we attempted not us. This should been included in calls made Why put money in close case on here then take back and not talk to us or help to get this to the dept that handles this? Fraud is on Usbank. CARD ENDING WITH XXXX | ||||||
| 02/12/2021 | Yes |
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| Back in late XXXX of XXXX we entered the forbearance program which allowed us to put our mortgage payments on hold for 6 months during the pandemic. XXXX of XXXX was our last month of forbearance so we called US Bank to figure out the best way to move forward. It was at that time they offered for us to put all 6 months of missed payments in a separate, interest free loan on the back end of the mortgage. We agreed and were told that they would be sending out documents that we were to fill out and return. We were also told to resume our monthly payments the following month, which was XX/XX/XXXX. When I called in XXXX to make my mortgage payment, I asked about the documents we were supposed to have received. I was told that they were extremely backed up with thousands of cases just like ours and to be patient. I was assured that the documents would arrive as soon as possible. When I called to make my payment the following month, XX/XX/XXXX, I was told the same thing. And once again in XXXX of XXXX. My husband and I were getting worried because we wanted to hurry up and get everything signed and delivered as quickly as possible and it had already been 3 months. On XX/XX/XXXX, I noticed a voicemail from XX/XX/XXXX that I hadnt previously seen. It was a lady from US Bank asking me to return her call. No other information, other than a phone number, was left in the voicemail. I quickly called the number back ( this was not the usual number XXXX called while making my monthly payments ) once I was connected with someone I asked about the paperwork for the loan for the missed payments. It was at that time I was told the loan had been denied due to the documents never being signed and returned. I explained to her that we never received the paperwork and had been asking about it for months. She put me on hold for a bit and when she came back she assured me everything would be fine and was able to do a different loan modification for us. At that point everything seemed like it was handled and we would be able to move forward. A few days later my husband and I both received notifications from XXXX XXXX that our scores had been lowered drastically. This was XX/XX/XXXX. The next day I started calling US Bank trying to get a credit correction done. Everyone I spoke with had something different to say. I spent over XXXX XXXXours on the phone with US Bank between XX/XX/XXXX and XX/XX/XXXX of XXXX trying to get this critical error on their part corrected. Finally on XX/XX/XXXX I was put through to a lady named XXXX XXXX in the Loss Mitigation department. She was the first person who actually tried to help me. Apparently up until that point nothing had even been done to start an investigation for us. She called me back the next morning to assure me that they were working on figuring this whole mess out and suggested I call back in a couple days to check for updates. I continued calling every couple days to check for any progress and kept getting the runaround. Once I was told that the credit correction was in fact going to be done but it just takes time and they were not able to provide me with any kind of timeline. Once again I was told to be patient and wait. On Saturday, XX/XX/XXXX, we received a letter from US Bank stating that they would not be doing a credit correction and that they had found that their credit reporting had been accurate. The letter was dated XX/XX/XXXX, the same day XXXX XXXX had called me to assure me an investigation had been opened on our behalf. I immediately called US Bank to find out what was going on and was told the letter may have been sent in error and she didnt see any updates in our file. I called back the following XXXX which was XXXX XXXX and it is at that point I was informed that the letter was not sent in error and that was their conclusion. In addition to me asking about the paperwork every month while paying my mortgage on the phone with a US Bank representative, my husband also called a few times asking about it. Thank you so much for helping me. I hope we can get something done about this. It is really having a negative impact on our lives. With our credit scores as low as they are now, not only will we not be able to buy the house we are already in contract with, its going to be hard to even get into a decent rental until our credit is restored. My husband has actually had one of his credit cards cancelled because of this. According to US Bank, they sent the documents out XX/XX/XXXX. Im not sure how or why the different departments werent able to share information and let us know what was going on when we were continuously asking about something so important. It wasnt until it was too late that we were informed. I was told that the documents were due back XX/XX/XXXX. I was also told that it was officially denied and closed XX/XX/XXXX. I feel like there would be a signature requirement for such important refinance documents. There should be some way of tracking the documents that we never received. I am attaching screenshots from my XXXX XXXX account showing the damage their incorrect reporting caused and screenshots of phone calls made to US Bank from both mine and my husband 's phone. | ||||||
| 07/26/2021 | Yes |
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| Date : XX/XX/2021 To : Consumer Financial Protection Bureau From : XXXX XXXX Re : Reply with the information you requested in your XX/XX/2021 My US Bank checking account XXXX was hacked in the amount of {$480.00} on XX/XX/2021. US Bank has refused to replenish my account in the amount of {$480.00}. They claim the reason they will not reimburse me is due to the fact that I allowed a person who called me later in the day, XX/XX/2021, and said my account at US Bank had been hacked and he wanted to help me get my money back. Then I allowed him access to my account and after several minutes I indicated I had to go so he said call me the next day to continue his efforts. I never did talk with him again. See detailed sequence of events below. Person that called me The person that called me in the afternoon on XX/XX/2021 at XXXXXXXX XXXX after the money had been withdrawn, said his name was XXXX XXXX who was a Level 3 Technician at XXXX. He indicated his XXXX ID was XXXX and his phone number was XXXX. He indicated the XXXX Case # was : XXXX. I confirmed the date and time of this call with my provider, XXXX XXXX XXXX. I never did call this person back because US Bank thought my account was hacked by him. The later facts will not support that as the funds in the amount of {$480.00} at US Bank were removed from my account in the morning as confirmed by US Bank ( See Exhibit 3 ) See further information below in Sequence of events below. I later learned my account at XXXX XXXX ( # XXXX ) was attempted to be hacked for {$480.00}. As it turned out XXXX XXXX caught it and no money left my XXXX XXXX account. ( See Exhibit 5 dated XX/XX/2021 where they state we were able to prevent the transaction below from posting to your account ). Why didnt US Bank catch this hack to my account? The sequence of events on XX/XX/2021 are as follows and are critical in attempting to establish who and at what time my account was hacked. The money had been withdrawn before I allowed XXXX XXXX access to my checking account at XXXX XXXX. on XX/XX/2021. Refer to Exhibit 3 and specifically the time of day. Sequence of events on the hacking of my checking account at XXXX Bank XXXX XXXX : XXXX XXXX XXXXXXXX Received a notice through my email that my email was enrolled with XXXX at US Bank. I didnt even know what XXXX was. I didnt see this email when it first came into my computer. Your company needs to investigate the following : 1. Who is responsible at US Bank for allowing an enrollment of my account in XXXX without my authorization? 2. What is the process and security measurements taken by US Bank upon enrollment in XXXX? 3. Where did this individual get my username and password to get into my account? 4. Doesnt the bank have to confirm that the individual is who he says he is? 5. Does the bank have to get a signature or other form of proof to confirm this enrollment? 6. Is there insurance available from XXXX for this type of loss by a depositor at US Bank? Exhibit 2 : XXXXXXXX XXXX XXXX Received a Thank you from US Bank for enrolling with XXXX at US Bank. I did not see this email when it came into my computer. Exhibit 3 : XXXX AM 6XXXX Received an Email from US Bank that a payment of {$480.00} to XXXX XXXX had been deposited. I did not see this email when it first came into my computer. Note the time as this is 1 hours prior to XXXX XXXX logging into my computer. Exhibit 4 : XXXXXXXX XXXX XXXX Received an Email from US Bank that I added a contact in my apparent XXXX recipient list. I did not see this email when it came into my computer. I do not have or ever have had a XXXX recipient list. I called US Bank on the afternoon of XX/XX/2021 about my account at US Bank being hacked and in one case it had been transferred out and in another case it had not been transferred out. As it turned out the {$480.00} had been transferred out. However, it took until XX/XX/2021 to close the account by me and a new account was established. See Exhibit 6. Conclusion US Bank did not catch the fact that a XXXX account was set up on my account in the morning of XX/XX/XXXX and that someone hacked into my account and sent {$480.00} to a XXXX XXXX on XX/XX/2021. The fact is the money was sent the morning of XX/XX/2021 at XXXX to a XXXX XXXX ( see Exhibit 3 ) and the call I received from XXXX XXXX was not until XXXX on XX/XX/2021. US Bank is unwilling to reimburse me for the {$480.00} that was sent to XXXX XXXX the morning of XX/XX/2021. Their reason is that I let XXXX XXXX on to my account that afternoon when the hack to my checking account had already happened. Where are the security protocols by the bank to prevent this? I am not happy about this as the facts do not support the idea that because I allowed XXXX XXXX on to my account was the reason my account was hacked. The facts do not support this. Also, how could XXXX XXXX catch this event before it happened, and no money was sent out of the XXXX XXXX account and US Bank did not catch this hack. My contact at US Bank is XXXX XXXX in the Wealth Management area at the US Bank located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ( XXXX ) I would like to get reimbursed from US Bank for the {$480.00}. XXXX XXXX XXXX | ||||||
| 07/03/2018 | Yes |
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| The US Bank generated 3 ( THREE ) accounts with my signature and social security number. A : Original Note signed by XXXX XXXX : Number : XXXX This was signed when XXXX was still using her married last name. This credit line account is the ONLY one signed by me. This note is now missing from bank records. B : US Bank loan number XXXX for the sum on {$220000.00}. This number was opened on XX/XX/XXXX and closed on XX/XX/XXXX C : US Bank loan number XXXX for the sum of {$220000.00} This number was opened on XX/XX/XXXX and is still open. 2 : An exparte judgment was made/obtained on XX/XX/XXXX between US Bank debt collectors and XXXX XXXX XXXX. I was given no notifications. 3 : XXXX XXXX XXXX has no lawful claims on my domicile or personal property. 4 : I made applications for Loan Modification with the branch of US Bank loan modification department / HAMP. 5 : HAMP joined BOTH the loan B and C and joined them in one, doubling the loan. This made the payments beyond the value of my domicile which has a fair market value of {$350000.00}. This was not an error, but an act predatory and premeditated. I repeatedly attempted to correct the payoff amount with the US Bank and HAMP, but it was never accepted until now, after signification highlighting the matter in court. 6 : Despite court filings, The US Bank debt collectors attempted to auction off my domicile without giving notifications to me as per law. Instead, they attempted to auction off my domicile by sending notices to the wrong address, trying to slip a sale on the sly, under the table, as it were. 7 : The letters were returned to the court clerk by the post office. I had a hearing to enforce an injunction on the auction of her home. During that hearing the correct address was given to the debt collectors. 8 : Despite the correction, US Bank debt collectors persisted in sending the notices to the wrong address, in repeated attempts to auction off my home. 9 : I filed a Writ of Error in the superior dejure court of record was filed to overturn the unlawful exparte judgment of XX/XX/XXXX. The Writ of Error was not challenged well past the requisite 30 days. 10 : A second Writ of Error was filed. Again it was not challenged well past 30 days. 11 : Judge made a ruling that I could not file any more papers, until the judge approved of them. 12. Judge told me to file a motion to file papers 13. Judge XXXX denied me the motion to file papers. 14. Without the ability to defend myself, I am at the mercy of unscrupulous debt-collectors. 15. US Bank debt collectors refused to answer a subpoena by petitioner. 16. US Bank debt collectors refused to supply the original note. 17. US Bank debt collectors refused to supply an Asset management sheet on my property. 18 : Although these demands were listed in the Court of Record, the US Bank debt collectors refused to accept because the magistrate/judge of the lower court quashed these demands for accounting. FURTHER FACTS : 19 : Before the debt collectors bullying and attempt to take my home and domicile, my monthly payment into my credit line at US Bank was rejected. 20 : Further : I sold my condo in XXXX for {$500000.00} and paid off my mortgage with XXXX XXXX XXXX which had an outstanding balance of {$350000.00} and the sum of {$88000.00} was sent to US Bank. The US Bank can not find the {$88000.00} and are just ignoring that intrabank payment. 21 : Further : My domicile is assessed at {$350000.00} and the debt collectors say it is valued at {$150000.00}! thereby dropping its value to significantly below market value. They then Increased their 'demand ' amount to {$300000.00}, despite the fact that on the form 410 Creditors form filed during bankruptcy they listed an amount of {$160000.00}. 22 : Further : They had absolutely NO mediation despite repeated attempts. 23 : Further : With the exparte judgment, which was vacated by me, they did not go into a negotiating of mediation, to work out the problem. Instead they would only keep pushing for a sale of my home and domicile without giving me any mediation. Therefore they are not allowing me to pay down my credit line and not allowing me to settle my affairs, not allowing me to complete my HAMP process after the 'doubling ' of the loan was corrected, and not allowing me to live in my domicile in peace. IN VIOLATION : I am under the HAMP program loss mitigation and despite that they have attempted to foreclose on my home four times. IN VIOLATION : I filed for bankruptcy and they still auctioned my home after I filed for bankruptcy. That sale was vacated by bankruptcy court. IN VIOLATION : Now they have another sale date despite the HAMP program application. Reason for the delay is because the TWO notes were added up and the 'loan ' doubled while all I had was a signed credit line. Through multiple applications with HAMP the doubling of the notes for a final amount is only now being straighted out. This is enormous torture. This is my only place to live. I have been honorable and direct with my account. Their attempts to take my home and domicile is horrifying. I am a senior citizen. THERE IS NO JUDGMENT SINCE IT HAS BEEN VACATED> | ||||||
| 08/05/2023 | Yes |
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| I opened a business checking account with USBank on XX/XX/2023 using a promotion the company was offering XXXX with a {$3000.00} deposit. The promotion was for new accounts keeping a balance of {$3000.00} for 60 days would receive a {$500.00} bonus. These were the only conditions to earn the promotion. In XXXX, there was a {$6.00} charge deducted from my account for a paper statement. This fee dropped the account below the minimum amount required for the bonus. I immediately called the 24 hour banking line to fix the error, and they indicated that I needed to sign up for paperless statements. The agent I spoke to was XXXX. In their attempt to help me do so, I was disconnected and then their help line was down when I called back. I followed up because the online system was not allowing me to sign up for paperless statement, saying that I needed to have an email account on file. My email was clearly listed right there and the online system would not allow me to go any further, somehow not reading my email was already entered. I called back and spoke with XXXX ( ticket number XXXX ) and he told me he couldn't help me because I didn't have PIN secure account. He had to order a debit card for me in order to get a PIN. This would take 6-10 business days. I received the card in the mail approximately 10 days later, but was away on vacation and when I returned I called 24 hour business solutions line again. This time they were able to " cobrowse '' with me because I had a PIN number. The agent saw the glitch and that my email was already there, but that it wouldn't allow me to sign up for paperless statements. She reimbursed the charges for paper statements and assured me that it was their error and IT WOULD NOT PREVENT ME FROM EARNING MY BONUS! She further told me if it did affect my bonus, not to worry. They would put in a " research request '' and correct their error. Her name was XXXX and this call happened on XX/XX/2023. She told me my promotion amount should be in the account by XX/XX/2023. On XX/XX/2023 I called again because the promotional {$500.00} was not issued. I spoke with a XXXX with an ID of XXXX and she assured me that they would get it resolved and to give them until XX/XX/XXXX to do so. In the meantime, I noticed another paper statement fee was deducted from the account. I called on XX/XX/XXXX and spoke with XXXX, who said she had no verification ID. She also cobrowsed with me and saw the error that my email was entered and it wouldn't allow me to sign up for paperless statements. She reimbursed the fee due to it being their system issue. She indicated that the promotion amount would be a branch manager issue, and gave me the name of XXXX from the XXXX, CO branch location. She told me it would be his " decision '' to make about the promotion. She tried to get him on the phone but he was unavailable. I finally was able to reach XXXX later that day and he told me that it was not his decision or responsibility and that they were just " kicking it down the line to him. '' He was willing to put in a request that the promotions department take a look at it and he would follow up with me by Friday XX/XX/2023. He has never called me back. I called again on XX/XX/2023 and spoke with a XXXX at the business solutions center. She told me that she could see the request, but that it hadn't been solved yet. She asked me to patiently wait until Tuesday, XX/XX/XXXX. I still heard nothing! On XX/XX/XXXX, I decided to go into a branch to see if I could get it resolved. The manager XXXX was unavailable so I worked with XXXX XXXX. He was able to get XXXX on the line and began asking me questions including WHY I DIDN'T USE THE ACCOUNT MORE WHEN IT WAS OPENED AND IF I PLANNED TO CLOSE THE ACCOUNT AFTER I RECEIVED THE PROMOTION. I told him those questions were irrelevant because I HAD MET THE CRITERIA of the promotion and was owed my bonus. He indicated he agreed and would advocate for me, but that there was nothing more he could do that day. The next day, I received a call from the manager XXXX XXXX from the XXXX branch that I visited ) and he asked " What he could do for me ''. I told him again the story that their online system had a glitch that didn't allow me to sign up for paperless statements and that they were using that as a reason to not pay out my bonus. He asked me to give him a couple of days to research it and he would get back in touch with me by end of business on XXXX the XXXX. Today is XX/XX/XXXX and I never heard back from him at all. It is clear to me that they intentionally design glitches in the online system that make it impossible for consumers to meet their criteria and then they don't have to pay out the promised bonuses. I met all of the criteria that were in my control and they have done nothing but give me the run around the entire time. I have spent hours trying to make them keep their word and it is clear that they are operating dishonestly. I have no other choice but to get you involved and ask that you look into this and help get it resolved. The only appropriate resolution is that they pay the {$500.00} bonus I earned by meeting all the criteria that I was in control of. Thank you for your time. | ||||||
| 05/06/2017 | Yes |
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| We would like to lodge a complaint against the holder of our home equity loan - U.S. Ba nk. We believe they have engaged in deceptive lending practices as well as dishonest and unfair loan servicing arrangements. In XXXX of XXXX , my husband and I closed on a home equity loan through U.S. B ank. We were made to understand at the time that this was a traditional mortgage/home equity loan with a standard amortization repayment schedule. We did understand that the terms of the loan required us to open a US Bank checking account and arrange to have our monthly payment withdrawn automatically fro m that account. Approximately six months i nto the repayment period, we started noticing that the amount of interest applied towards the loan payment was varying from month-to-month. In any other mortgage we have ever held, with each subsequent payment the amount applied towards interest decreased and the amount applied towards the principal balance increased. We were a little bit stumped as to why this would be occurring. Subsequently, we approached the local US Bank branch where we initially secured the loan and asked to speak to a manager . We asked for an amortization schedule so that we could fully understand why the interest payment amounts were not consistent from payment to payment. Tha t manager told us that I would have to contact U.S. Ba nk mortgage loan servicing because she could not provide us with any answers. I then contacted US Ban k home mortgage via emai l. [ PLEASE NOTE, A COPY OF ALL CORRESPONDENCE IS ATTACHED TO THIS SUBMISSION. ] Our first contact with loan servicing was to request an amortization schedule. The reply we received was that they could not provide a copy of the requested amortization schedule. I then wrote back, wondering why they could not provide me with an amortization schedule on a mortgage! XXXX XXXX XXXX , with loan servicing, replied that it was because I had a " daily simple interest loan '' type mortgage. With a " daily simple interest loan '' type mortgage, interest amounts would vary monthly depending on how much interest had " accrued '' based on the date the payment was applied. For example, if my loan payment date was the XXXX of the month, and if the XXXX fell on a Saturday, interest would accrue over the weekend until the XXXX when the funds were finally applied to the loan payments. I specifically asked if this was made clear in my loan documents since when I reviewed them was unable to find any reference to obtaining a " daily simple interest '' loan. XXXX XXXX replied in the affirmative that indeed my loan documents did NOT specify " simple interest '', but rather simply stated " accrued interest. '' This was the first of the misleading and deceptive practices engaged by U.S. Bank when we secured this loan. It should have been made very clear to us that this was anything other than a standard amortized loan. XXXX XXXX then implied that by reading the note should we know that accrued interest really means simple interest loan, and that because it didnt state monthly interest we should have then been aware of the nature of the terms. My husband and I wholeheartedly disagree for the average consumer who is not fluent in legalese and/or manipulative financial language it was far from apparent, and deliberately meant to deceive. I then wrote back asking if I could move my payment date so that I could make sure my loan payment was submitted each month prior to the due date so that I could avoid any excess " accrued interest ''. XXXX XXXX stated that they could schedule my ACH withdrawal ON the due date or 1 to 5 days AFTER the due date ( thus incurring even more " accrued interest '' ) but that they were unable to move it to a date prior to the scheduled due date. I find it suspicious that a simple keystroke cant change my ACH withdrawal to the date of my choosing as long as it is within the on time payment window. I then asked if I could cancel my ACH withdrawal and manually schedule payments and she confirmed that by doing so I would violate the terms of my loan. In summary , U.S. Bank deceived my husband and me when receiving this loan as to the specific type of mortgage we were obtaining. Indeed, it seems the note was deliberately written to be misleading and/or deceptive to any person/consumer who does not have a background in the legal or financial industries . US Bank is also forcing us to pay extra accrued interest on our loan month after month ( e ven with an on time ACH withdrawal ) due to when they have chosen to withdraw the funds from our account and apply it to the loan. They are also refusing to allow us to escape these excess interest charges by failing to allow a loan payment prior to the due date . US Bank also acknowledges that submitting the loan payment by any other method than through ACH with a US Bank Checking a ccount will violate the terms of our loan. Over the term of this loan, they are effectively adding hundreds or thousands of dollars in interest costs because of their refusal to allow us to submit our loan payments on the date of our choosing. We find this no less than extortion. | ||||||
| 02/15/2022 | Yes |
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| I submitted an application online for a Home Equity Loan with US Bank. Immediately following the application process, I received a request to supply loads of documentation to include pay stubs, W2s XXXX and XXXX, home insurance policy, current 1st lien mortgage statement, current 1st lien mortgage Note, etc. This was prior to receiving any idea of rate ranges, terms, etc. Also, some of this documentation, especially my 1st Mortgage Note which the application screen said was being requested to support a Benefit to Borrower, seemed to be not necessary unless the plan was to bait-and-switch my application for a HE loan to a full 1st refinance with cash out. I tried to contact the processor contact that was referenced online as tied to the application. I did not receive a response back ( admittedly I only waited a little over a day but rates are increasing daily at various lenders ). So, I thought that since US Bank is a known lender, I would go ahead to submit the documentation even though I was annoyed as I believe recent regulatory requirements support that " money is time '' and lenders should not require all sorts of documentation from applicants prior to providing at least some information about the loan for which the applicant is applying. I had received ( and still have not received ) absolutely no info on rate ranges or product terms. It took me hours of my life to find everything, log into various accounts, try to scan papers into the computer, submit to US Bank online, etc. ) Once I submitted the final document due, the next screen that popped up was one with the following comment : " What to expect during your application experience : Thank you for choosing U.S. Bank as your lender. Once we receive the required documents your income will be verified, an appraisal will be completed-at no cost to you. The appraisal may be a full, requiring a licensed appraiser to come to your home. Once all steps are completed your closing will be set up at a local branch with a banker to complete the closing paperwork. Your patience is appreciated while we experience higher volume due to lower interest rates. Our current response time is 24-48 hours. Due to volume our loan process is taking an average of 50 days. '' If I would have known they were taking 50 days to close, I would not have applied. I also do not want to automatically move into a valuation product being pulled ( I would be okay with an electronic or desktop product ) nor to waste the time of my company to validate income if the rates are going to be ridiculously high. How dare this company waste my time when they are running 50 days to close and request documentation that is not really required. ( Why is my 1st lien Mortgage Note required? Specific reason given for Note request was that it was supposedly needed to support B2B, but that seems off unless I am applying to refi my current 1st lien to another 1st lien ( which is not the case ) and comparison of rates, payments, etc. becomes important. They did not provide some high level or range info about the product for which I am applying and for which I may be approved at best case. There was no link to clarify the product details. I will be furious if the offer that returns is 7 %, for example when I already have 6 % offer. I thought " well, I will give US Bank a try just in case is cheaper ''. Now, I have wasted so much time and been treated contrary to my understanding of recent rules designed to avoid just this type of situation. Also, and this may be unfair but I suspect it is potential that US Bank was requesting the Mortgage Note which they stated was needed to support B2B in order to do a switch-a-roo ( trying to send me towards a 1st lien refinance which is not the product I requested ). In fairness I may be wrong but can not think of any B2B reason why the Note is required. Note : I am more savvy than a regular applicant because I have worked in compliance and risk management functions for another financial institution but many who apply are not so savvy and may feel they have too much skin in the game to not continue towards closing with US Bank even if the rates and terms come back less than desirable. I was a fool to waste my time to even apply without any kind of rate ranges but read an article that the lender had competitive rates and thought most of the larger financial institutions had moved to a path that would give preliminary terms prior to seeking additional documents or at least disclose if they are running 50 days out ( as is an important factor for us since we are interested in potentially spending a portion of the money for an investment purpose but this extra time has totally ruined that option, I fear ). PS - I have gotten literally nothing with an application number or any way to reference my specific application ( which was entered on XX/XX/XXXX ). I received an email with a link button to Review Disclosures on XX/XX/XXXX at XXXX XXXX MST with email header of Liabilities Review Document Reminder but when clicking on that link, it just took me to the site where the company was requesting additional documentation. No disclosures have been received thus far. | ||||||
| 07/03/2020 | Yes |
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Web | Servicemember |
| First, let me start with a 'Thank You ' for staff at this agency and their previous help to me to try to open this communicae with some positive energies since your agency for the situations you can investigate does actually get results at an Individual level and in quicker time. I am hearing I must include a note for myself and good spirits that when I was falsely XXXX and XXXX in XXXX XXXX XXXX XXXX XXXX via the us consulate, XXXX XXXX, then XXXX starting XX/XX/XXXX a contrived situation because of XXXX XXXX XXXX XXXX and XXXX XXXX to force me off the land XXXX XXXX XXXX XXXX I was trying to help save I had heard a connection from FTC and something went wrong in that pulling on me although/albeit there were other events occurring simultaneously. A note of thanks for anyone strong and anchored to hear through those periods and help to retrieve good spirits is greatly appreciated. I couldn't keep up alone before, please dump some of these situations on the rich and foreigners invading us pushing all this sick XXXX and let them be pulled-down. I must also please request help against XXXX XXXX on XXXX XXXX XXXX they stole my new XXXX XXXX {$810.00} with extended warranty and {$650.00} minimum base price of the generator directly out of their store. XXXX XXXX refused to take a report let alone do any investigation, XXXX XXXX are XXXX to XXXX XXXX corporate and only repeated back what XXXX XXXX wrote to them, ny state attorney general is corrupt and did do anything, nor did XXXX XXXX. This is just one of the many corruptions allowed against me and other XXXX, XXXX Americans by XXXX lining their pockets, and for the firms/corps stealing from Americans to hand over to XXXX foreign social types to lazy and cheap to do Real Work and are violent to everyone in every land including their own that they infest physically and spiritually pushing their XXXX consumerism social order XXXX through different types of XXXX destroying the quality of life everywhere for everyone. CurrentEvent : XXXX XX/XX/XXXX at XXXX I attempted to make a cash advance in the amount of {$1000.00} from USBANK FOCUS debit card at XXXX XXXX Maryland branch of XXXX XXXX to Deposit to my account with XXXX XXXX to conduct regular business transactions. I had made a cash advance from this card before XX/XX/XXXX COVID 19 situation. I recall two times attempting and I queried the teller Agent what it was stating and he claimed that he didn't know he hadn't seen that screen before and asked of his supervisor. She stated I could go and try to use the ATM but I was not allowed to make a cash advance that something was wrong with USBANK side of transactions. They didn't explain how it couldn't work as a cash advance that I previously conducted but that the card would work from the ATM. I didn't want to handle money through the ATM so I admidt I got angry and didn't attempt using the ATM. According to the USBANK FOCUS debit card updates I viewed yesterday dated from XXXX? XXXX before I called the bank number for customer service, I was within the updated {$1000.00} cash advance limit and hadn't made any transactions for several months. Yesterday, XX/XX/XXXX dialing the number XXXX XXXX option for lost cards, an alleged XXXX employee # XXXX call ending at approximately XXXX claimed he could see that I had changed my pin on the XXXX but had no recorded indication of an attempt for a cash advance from that XXXX XXXX branch in XXXX XXXX Maryland . After querring this XXXX for other options than his extension that this is a severe issue, he told me he sent an e-mail to what he described as tier 2 and I would receive a call from them. He first stated he didn't know when, but then when questionioning him with when he would generate the e-mail and when to expect a call back he stated 1 hour. It's 28 hours and still no response back. I see on the web browser that for two months prior to my search today people have had money stolen from them including federal unemployment money by this bank that the bank is not responding to anyone through any contact method. I don't see this same forum because tab reset your formula but there are several entries including 1from XXXX a news clip in XXXX dated XXXX that these people in Colorado are having issues with their money from Colorado unemployment being stolen by USBANK. Numbers in a automated system that you can't access is intention to steal. They have therefore stolen both state and federal money and their fractional lending corruption needs to be stopped. The government needs to start stepping in with the military to overtake these corrupt businesses and go after the corrupt ceo 's, management, agents, employees, and contractors to confiscate their wealth and this entire banking system and liquidate them and just get the pay directly from the government and save all this headache. I am on a contract now and this company is paying us through USBANK FOCUS debit card so I am deeply scared that I will not get this pay since I can't access the previous funds stated in their automated telephone system. But this then pertains to any other debit card also. Thanks again for your help. | ||||||
| 01/23/2020 | Yes |
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| I purchased home on XX/XX/XXXX. My purchase amount was XXXX my interest rate is 5 percent my PMI is XXXX. Projected payment is as XXXX plus XXXX for insurance and XXXX in escrow. The total monthly payment at signing was XXXX. My homeowners, insurance was with XXXX. To knowledge at this time everything with my mortgage was accurate until my Tax Return Information for the year XXXX was received and my XX/XX/XXXX Mortgage payment statement. The Tax documents show that the insurance was paid in the amount of XXXX according to my calculation my insurance should have cost XXXX that year. On XX/XX/XXXX I called the mortgage company in XX/XX/XXXX I inquired about the increase to my mortgage payment as it went from XXXX to over XXXX. I was informed at that time that the US Bank put enforced insurance on my file. I updated the insurance on XX/XX/XXXX the explanation was their was an issue with the underwriting with the original insurance company. I at that time advised I did not receive any documentation to support their claims I asked why was I not called emailed or mailed notification. The rep stated a notice was mailed. I NEVER received anything in written form acknowledging there was an issue with my original insurance company. I provided the bank with my Steadfast exception which stated my property taxes were XXXX. Moving forward to XXXX tax documentation. As I review my tax documents I notice right off the bat that I am charged XXXX in home owners insurance when my policy was for just over XXXX I also noticed I was over charged for my property tax in the amount of XXXX and Mortgage insurance at XXXX Initially I called the tax department and was assured I was over charged for one insurance policy in the amount of XXXX The rep stated the refund will take 48 hours I was transferred to the Escrow department at which time I was advised my escrow balance is delinquent in the range of XXXX I asked why this was their answer was that the property taxes went up. I asked why if I have a Steadfast placed on my home. The rep was unable to address that concern however did say that since they paid out XXXX in insurance that left my escrow balance in the whole. I proceeded to ask what is my upcoming mortgage payment the rep stated XXXX will be due on XX/XX/XXXX. Of course I asked why would my mortgage go from XXXX To XXXX The response was due to Property taxes. On XX/XX/XXXX I called the tax department to inquire if the over payment was credited back to my escrow account. The individual explained to me that due to their being an underwriting issue with my original insurance it laps on XX/XX/XXXX. I asked the rep to explain to me as to why I was not informed of this information right away to address the property taxes before it got out of hand in addition I NEVER received any documentation that there was a problem. The gentleman continue to say that on XX/XX/XXXX a letter was mailed to my property advising of the laps in coverage So I asked if the insurance laps on XX/XX/XXXX why would you wait 10 months to claim a letter was mailed and again I NEVER received a letter. I explained to the rep in the insurance department if they were monitoring the mortgage insurance would it not be their responsibility to educate their homeowner so that they can address the issue as soon as possible. The insurance rep stated they would not refund me the insurance because it was my fault that I went without insurance. AGAIN I was NEVER informed of an issue so being fair. If you are not informed you can not make changes When I asked to speak with a supervisor I was given a Team Lead to speak with I asked him 5 times to get a manager on the line and then the line was disconnected WHY would I be penalized for their lack of professionalism file review loan follow up and/or the ability to monitor a consumers property insurance In the year of XXXX I was billed XXXX for Property Tax even though I have a Steadfast Exception which was in the amount of XXXX. The explanation I am receiving as to why my mortgage payment will increase is due to the property taxes going up. So I called the Tax Collector for my county and confirmed my new property taxes are in the amount of XXXX This is a difference of XXXX a year the monthly break down would be XXXX. There is no due cause for US Bank to charge me for Forced insurance I did not authorize and I was not properly provided the opportunity to address the issue within a timely manor The escrow account should never gone delinquent. I should not have a delinquent balance over XXXX It is my believe that US Bank is not properly monitoring my loan the insurance department are ill equipped with the ability to address an Insurance concern within a timely manor and the tax department lack the ability to follow the regulations around a Steadfast Exception. Moving forward I am concerned that my money is not being properly handled US Bank lacks the professionalism commitment ability to monitor the financials of my home loan and to effectively communicate they have my email address phone number and address the bank lacks the proper protocol to provide their customers with the services they deserve. | ||||||
| 07/26/2023 | Yes |
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| XX/XX/XXXX I found out I had no access to online banking when I called us bank I was told that my account is going through closure and is also frozen no deposits or withdrawals could be made. They wouldnt give me any other information and told me to wait on the letter they sent which would explain everything. When I asked whats going to happen to my son 's social security deposit I was told it would be rejected and sent back to SSA. I then contacted SSA and changed my direct deposit info and was told that I was too late for this check being sent out the XXXX. The morning of the XXXX I call us bank and see if my deposit was sent back and after hours on the phone they finally got ahold of the ach department who stated they did get my deposit but because of the hold its being rejected and that will be processed to go back to the SSA Friday morning. The XXXX I woke up to a text that my son 's social security was deposited into my frozen account. When I contacted us bank they couldnt tell me why its wasnt returned like I was told it was going to be. They wont allow me to withdraw the funds in person or by any other means. They just keep telling me to wait for this letter. I get the letter on Saturday XXXX and it doesnt tell me anything other then my account is being closed for irregular suspicious activity and that they have disabled my ATM card and debit card that they will send me a check within 15 days of verifying all previously made deposits and that if I have any questions then I need to contact XXXX XXXX XXXX US Bank branch so I contact the Bank branchand she tells me she will try and get hold of the department that is in charge of closures to release my money but I have not heard anything back from her since Saturday the XXXX and no one else at U.S. Bank will lift the hold or tell me when my account is going to be officially closed, or when I will receive a cashiers check for the balance in my account. The only funds that are in my account are the funds from my son Social Security check when I asked them why my check was not returned to Social Security under the return code r16 account closure or account frozen they couldn't tell me they won't tell me when they will release my money or why my account is on hold or why my funds are on hold and when I told them they are required to make my funds available for withdrawal no later than XXXX XXXX on the settlement date or otherwise they are in violation of 31 CFR part 210. They claim they didn't know what the Green book regulations are and kept stating that this was U.S. Bank policy and when I asked why Bank policy supersedes federal law regulations, I was told I shouldn't have had my money deposited into account which was frozen. I did not have a choice as they told me two business days before the direct deposit when they were supposed to give me 30 days notice, and if not, they had to allow me access to my funds until proper notice was given, but they should've sent back. The funds to Social Security on return code r16 but they didn't they forced deposited into account that they knew was being closed and was frozen therefore keeping me access from being able to withdraw those funds. I've contacted fiscal services Social Security in every department at dept at us bank and branch. I just want to know when my account closure will be final when I will be sent a check or I want immediate access to withdraw those funds as I am legally required to be able to why is U.S. Bank able to clearly and blatantly defy federal laws and regulations. I've contacted corporate at US Bank and nobody will call me back. Nobody will tell me anything other than I'll be sent to check when my account is closed but not tell me when that will be when I told them that they were not allowed under any circumstances to withhold, my funds from me via XXXX XXXX regulations they didn't care and just stated this was US Bank policy. I just want my money. I had even asked them if I can close my account now and they won't let me they won't let me withdraw my funds. They won't let me transfer my funds. They won't let me go to the branch and withdraw all my funds. They just want to hold those funds in my frozen account with no date of when the account will be closed and sent a check. I've exhausted every thing I possibly could think of and all I want is U.S. Bank to be held accountable for the federal laws and regulations. They are required to follow when they accept ACH payments from government entities. I wasn't given the 30 day notice they are required to give. My funds were not sent back to Social Security like they were required to be, I have not been notified that my account or funds are on hold or frozen or a definite date of when my account will be closed or me sent a check with the funds that are in my account. I do not understand what they need to verify as the only deposits that go into my account are child support direct deposited from Washington state and Social Security direct deposited for my son XXXX both should be automatically verified so I am unsure of what exactly is taking so long for me to either withdraw all my funds or be sent a check. | ||||||
| 10/27/2021 | Yes |
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Web | Older American |
| XX/XX/XXXX : I purchased a VISA gift card in the amount of {$75.00} on XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX using my XXXX Visa card. The gift card # is XXXX XXXX XXXX XXXX. XX/XX/XXXX : I kept the gift card in the cardboard encasement and gave it as a gift to someone who kept it securely until she was ready to use it. Approx. XX/XX/XXXX : The giftee attempted to use the card at a business and was told by the merchant that the card had never been activated. She then called the number for XXXXISA on the back of the card and was told the same : it had never been activated. VISA offered no resolution other than return it to the person who gave it to you and tell them to take it back to the store where it was purchased. XX/XX/XXXX : The giftee returned the card to me on XX/XX/XXXX. I called the XXXX store and asked to speak to the manager. After getting the run-around from customer service, I was told there was nothing they could do and to call back tomorrow when the manager was on duty. XX/XX/XXXX : I spoke to XXXX XXXX, the store manager. He said it was against XXXX policy to deal with card activation issues. He told me to call XXXX. XX/XX/XXXX : I called XXXX and was given a number for XXXX finance department to call later, when they would be open. The reps name was XXXX, who noted that counterfeiting of gift cards was a common problem ; this could be such a case. XX/XX/XXXX : The first XXXX finance person I spoke to, XXXX, said that she could see that the card was in fact activated on the date of purchase, and then used in XXXX, KY on XX/XX/XXXX. I told her this is not what Visa said their position was that it had never been loaded or activated. She said Visa was wrong, but I must call VISA at the number she gave me. That number was no good and I had to call back and get a correct phone number. This 2nd XXXX contact provided the card ID ( aka XXXX ) of XXXX, stating I would need to provide this number to VISA along with the gift card number. XX/XX/XXXX : I called the VISA number that XXXX provided : XXXX. I reached on offshore help desk that was of no help at all they insisted that I go back to the store. I had to repeatedly insist on speaking to a supervisor. When the supervisor named XXXX finally came on the line after 15 minutes of waiting, he was difficult to communicate with and kept changing what he wanted me to do. He finally agreed that it appeared to be a counterfeiting/fraud problem especially because the card was used in a faraway state and said I needed to open a dispute. He said he would send me a form right away, but I did not get it, nor would he give me his name or a case #. ( I did get a XXXX case number ( XXXX ), but no one has followed up from XXXX, either. ) XXXX gave a time frame of 90 days to resolve, which is ridiculous. XX/XX/XXXX : I received a letter from the Visa Prepaid Deptpartment stating my dispute was resolved and that I had received a credit to my account on XX/XX/XXXX. I assumed by account, this meant my own credit card on which I purchased the giftcard. Since there was no such credit on my own card, I called the Giftcard Visa dept to ask about this. XX/XX/XXXX : Spoke with 2 different reps at the VISA giftcard dept : Per XXXX, at XXXX XXXX ET, {$75.00} was on the card, she just needed to activate it. She said to wait 20 min to an hour, then check the balance online to confirm the {$75.00} was loaded. XX/XX/XXXX : At XXXX XXXX ET, I checked the balance on the gift card. Its was {$0.00}. XX/XX/XXXX : Called Visa again at XXXX XXXX ET. Representative " XXXX '' agreed there was no balance on the card but said the CID had been linked to an entirely different VISA giftcard, not the one in my possession. She stated that my giftcard was linked to a different CID! She could explain how or why this could have happened. I informed her that the CID I was given was confirmed by XXXX XXXX, was also confirmed by XXXX when I opened the dispute, and was also the number written on the dispute resolution letter than I received. XXXX said she would have to send me an entirely new gift card with {$75.00} loaded and it would take 10 business days. Net, the letter I got was definitely not closure to this case. No one ever loaded the card I had in my possession or confirmed it was linked to the CID I was given. I was lied to by XXXX, the previous rep when she stated the card was loaded and now activated. XX/XX/XXXX : I called back the next day to see if I would get the same story, since I have heard multiple conflicting stories from this Visa outfit. I spoke to XXXX, who said I would be getting a new card which I will then have to activate myself, and as a result, the giftee will not be able to check the balance on because the card will be registered in my name, whatever that means. In conclusion, I have no confidence that I will ever receive compensation for my loss. I want a refund, not a newly loaded gift card anyway. I am not going to embarrass myself further by giving someone a gift that ends up being so problematic and wasteful of everyone 's time. I believe this Visa giftcard organization is a scam. | ||||||
| 09/10/2017 | Yes |
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| As I just moved to a new state ( Texas ) and staying in a hotel, I took US Bank mortgage loan offer since they promised that they will close on my loan by XXXX/XXXX/XXXX, a date they picked themselves, aiming at reducing my financial expenses as I am waiting on closing. As they started processing my application, I have come to find out that they assigned my application to a team that lacks the skill or training to handle consumers personal information and most valued asset. I was advised that the document requests will be delivered and uploaded through the website and I only have to e-sign any required statements. While I completed some via e-sign, others were requested by email and fax, which made me concerned about the handling of my personal information. Additionally, when I asked to have all my documents to be processed consistently through e-sign, the staff delayed sending these requests online for days. What exacerbated my privacy concerns is what the supervisor of that group, XXXX XXXX, did in replying to a general inquiry I sent her by email when she replied by attaching my tax returns from prior years, for no reason, and sent them to my personal unmonitored email, in clear violation of The XXXX XXXX and other privacy laws. XXXX XXXX and her staff, lacked the communication skills or the training to manage the processing of this type of work. XXXX and her staff lacked the attention to details and did not review any details in my application. XXXX and her staff, continue to communicate with me addressing me by Mr. and Mrs. even though there is only my name on the application, and they only discovered that when I got concerned and asked them to provide the name on the application. XXXX and her staff lack the procedures to handle any applications initiated by single or immigrant applicants in clear violation of ECOA, Reg B and fair lending laws, as they repeatedly asked me to provide documents and explanations to items that they could have easily found in the documents that I provided already. Yet, they asked for them over and over, which subjected me to constant harassment and threats of postponing the closing every time I asked them to clarify why, which is in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act. US Bank assigned my application to a loan processer, XXXX XXXX, who lacked the skills to handle this type of work. XXXX was sending me her requests in the last a few minutes before her shift ends and gave me a 24 to 48 hours window to reply. She never answered the phone or my emails when I followed up for clarification on her requests in a timely manner. She constantly threatened to delay closing and from her reply she left the office on vacation from XXXX to XXXX in the middle of processing my application and without providing all the documents that she received to her coworkers to review. Her actions are UDAAP violations and in contravention with the Dodd-Frank Wall Street Reform and Consumer Protection Act. Additionally, XXXX has manually filled out an incomplete notice herself and mailed it to the property address before I closed on the house and I only knew that she mailed it after I moved in to this property. After requesting that my file be assigned to someone else, XXXX XXXX took on it without reviewing any documents that I provided to XXXX who left on vacation and started asking me to provide the same documents that I provided previously. Similarly, XXXX lacked the attention to details and the communication to handle my file. She never answered her phone for any clarifications and she never checks her voicemail. Her voice message continues to be that she is out of office since XXXX. XXXX acted unprofessionally and exacerbated her threats and harassment to me by calling the title company to advise them that US Bank will delay the closing without letting me know as a consumer, which I come to find out by my real estate agent. US Bank has failed to close on the loan as promised and the closing was delayed to XXXX/XXXX/XXXX. Moreover, after I escalated my concerns, XXXX XXXX, a Divisional Processing Manager has written a statement and mailed it to my old address on XXXX/XXXX/XXXX with my personal information on it, even though we closed on the house and they are well aware of my new address. Until today XXXX/XXXX/XXXX and almost three months after closing and updating my current information with US Bank, US Bank continues to disregard my privacy concerns and continues to send me promotional materials to my old address ; please see an email from US Bank dated XXXX informing me that they received information form US Postal Service of my correct address even though I provided all my correct information as of XXXX. I am shocked at the level of incompetence and the lack of compliance with the relevant regulatory requirements by US Bank in their processing of my mortgage application and in their complete disregard to consumers sensitive information. I hope this matter finds your attention and pressure the mortgage processing/underwriting team to give answers regarding this unfair and abusive treatment. | ||||||
| 12/21/2017 | Yes |
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| XX/XX/XXXX I visited US Bank Branch in XXXX, CA. I told the teller I was trying to rebuild my credit. The teller said I can sign up for a Secured Credit Card, but I would need a checking account to fund the Secured Card, so he signed me up through his computer in 10 minutes. He did not go over any of the terms of the account. I provided {$900.00} for the checking account. I did not ask for Savings account, but they advised me to add one with {$50.00} balance. He had me fill out a Secured Credit Card application form and I provided {$500.00} cash for the deposit. He provided me a temporary checking card before I left. I proceeded to use my card normally for daily expenses such as gas, food, etc. XX/XX/XXXXI attended a hockey game and attempted to use my card to buy food. The employee said my card was declined. I tried to use my secured card and he said that was declined also. Embarrassingly I had to exit the line. I called the XXXX number on my card and it said my balance was negative {$400.00}. I was shocked. Before this day, I never received an email warning me of a low balance or negative balance. I never received a phone call warning me of a low balance or negative balance. When I arrived home I checked my statement online and it showed my account had been overdrawn since XX/XX/XXXX, which was 12 days earlier. FromXX/XX/XXXX throughXX/XX/XXXX my card continued to work normally, while I was unknowingly incurring overdraft fees. My statement showed a total of 17 overdraft fees between XX/XX/XXXXand XX/XX/XXXXbefore my card was finally declined. XXXX I visited the US BANK branch in XXXX to speak to them of the problem. The same teller that signed up my account told me the manager was on vacation so he could not do anything until she returned. He said he would email her and call me back the next day with an update. XXXX I did not receive a call back as promised XXXX I still did not receive a call back. I called the branch again asking why I have not received any updates, and the teller said the manager was still on vacation. XXXX I called the XXXX number to complain. They said they could not do anything to help me because my account was too new. They said my home branch was the only place that could help me. I explained they were not helping me but they did nothing. XX/XX/XXXX I still have not received any call back from my main branch. I called the XXXX number to complain again. They said they would reverse 2 charges, and the rest would have to be done by my main branch. They connected me to my main branch thru the phone. The teller at my main branch was extremely rude and said " Why are you just calling us now if this has been ongoing? '' I explained to him that I have been trying to fix this for weeks, and they have n't done anything to help. He told me the manager was back from vacation and she would call me the next day. XX/XX/XXXX I did not receive a call back from the branch manager as promised. XX/XX/XXXX - US BANK collections called me to pay the negative balance, caused by THEIR FEES. I explained the situation and she said she would have their manager call me within 24 hours. XX/XX/XXXX US Bank charged me an " Extended Overdraft Fee '' of {$25.00} XX/XX/XXXXNobody called me back as promised. XX/XX/XXXX - US BANK collections called me to pay the negative balance, caused by THEIR FEES. XX/XX/XXXX US Bank charged me an " Extended Overdraft Fee '' of {$25.00} XX/XX/XXXX At this point they have charged 22 overdraft fees for a total of {$630.00}. In addition to the {$630.00} of overdraft fees, US BANK deducted {$500.00} from my Secured Card which was prepaid with my own cash. I did not authorize US Bank to take money out of my Secured Credit Card to cover their own overdraft fees. The teller never mentioned this to me when I signed up for the account. After US BANK pulled {$500.00} from my Secured Card to cover their overdraft fees, my card available balance dropped to {$0.00} and my credit score dropped 109 points. The only reason I visited US BANK was to help my credit. Instead they have made it worse with unfair and unethical fees. Total loss = {$630.00} overdraft fees + XXXX deducted from Secured Card = {$1100.00} Current Checking balance : - ( {$460.00} ) Current Secured Card balance : - ( XXXX )XX/XX/XXXX Received " FINAL WARNING LETTER '' stating : Your account will be closed by the Bank byXX/XX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. Depending on the amount of the delinquency, we may turn your account over to a collection agency for resolution. Not only did they take {$1100.00} from me, but now they are threatening me with more fees, account closure, and a collection agency. This is the worst bank experience of my life. I request CFPB to publish this on consumerfinance.gov so others can learn how US BANK punishes their customers. | ||||||
| 07/02/2019 | Yes |
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| On XX/XX/2019, I, XXXX XXXX spoke with my Relationship Point Assistant XXXX XXXX via telephone in reference to my modification. At which time, she advised me that my modification had been denied because a total of three packages were mailed out. She stated, that the first two packets that US Bank received from me were notarized incorrectly by the notary and the final packet wasnt returned to US Bank. I stated to Ms. XXXX, that the first packet I received had my husbands last name as XXXX instead of XXXX which was no fault of my own. The two packets that I submitted were not valid due to the notary not properly notarizing my documents. Ms XXXX informed me that the third packet of modification documents delivery notification showed that it was delivered but I never received it neither did I sign for it. I explained to her that Ive put forth a good faith effort showing that I need this modification by complying with the trial payments, and submitting my modification packets. Although, the notarization was incorrect, Ive made multiple attempts to contact Ms. XXXX on numerous of occasions, and Ive have extensive notes in my file to support claim. Ms. XXXX reviewed my account and advised me that she was going to send a email on my behalf to her supervisor, requesting a final set of modification documents and that she would contact me later that day on her supervisors decision. Ms. XXXX contacted me later that day and stated that her supervisor which is XXXX XXXX approved for a final modification packet to be mailed out to me and to contact her once I receive the packet so she can arrange for a notary to come to my home to assist me. On XX/XX/2019, I called US Bank because I didnt receive the packet and I requested for it to be noted on my account. Per the representative the packet was mailed out on XX/XX/2019. Unfortunately, I received a notice stating that my modification was denied. I made several attempts to contact Ms. XXXX but to no avail. I spoke to different representatives regarding this matter requesting that my account to be reviewed and for Ms.Greer to contact me. On XX/XX/2019, I finally made contact with Ms. XXXX in which, she recanted her story stating that she never advised me that resending a final modification packet nor a notary. At which time, I requested for a supervisor. I received a telephone call from XXXX XXXX. I requested for Mr. XXXX to review my account and the telephone conversations between Ms. XXXX and I on XX/XX/2019. Mr. XXXX stated that he would review my account as well as all incoming and outgoing calls between Ms.XXXX and I. Later that day, I received a call from Mr. XXXX stating that he reviewed everything and that it was a miscommunication because Ms. XXXX never stated that she was resending a final packet. He continuously focused on a third packet that was sent to my address and I reiterated to him multiple of times that I never received it instead, of focusing on Ms. XXXX recanting her story and not honoring her words. Fortunately, I was able to get in contact with XXXX XXXX and XXXX XXXX who showed excellent customer service. They both patiently reviewed my account and found the detailed note on XXXX XXXX from Ms. XXXX stating that a final modification packet was going to be sent out to my address and a notary as well. I requested for Ms. XXXX to send a copy of Ms. XXXX notes to both XXXX XXXX and to XXXX XXXX. Its so disheartening and disgusting to know that both Mr. XXXX and Ms.Greer intentionally deceived me. They are both a hinderance to the company and are a major liability. They both told notorious lies and assisted that I restart the modification process instead of honoring Ms. XXXX words. They have no compassion for people that are facing hardships and who are trying to save their homes. Its a reflection of poor work ethics. XXXX XXXX couldve advised me that the company offers free notary and ordered a notary to my home when it was determined that my first set of completed documents were notarized incorrectly instead informing me of it when she stated that she was sending a final set of documents. The communication level is extremely poor. This isnt a game they are dealing with people livelihoods whom they discriminate against by practicing partiality. They are a reflection of US Bank and it scares me to imagine how many other people that they have purposely mislead for their own selfish reasons ... They both have direct access to my account and couldve honestly reviewed my notes without deception. To make matters worse, XXXX XXXX is a supervisor. They both need to be redirected and, retrained on customer service and their job descriptions as representatives of US Bank. Everyone will not be as fortunate to contact honest and dedicated workers such as XXXX XXXX and XXXX XXXX. Furthermore, Im requesting that the decision for a final modification to be mail to my address be honored on behalf of Us Bank. XXXX XXXX and XXXX XXXX are representatives of the company and are in sync. Has US Bank loss sight of the people and is built on deceit empowering their employees to maliciously deprive the customers? | ||||||
| 09/12/2017 | Yes |
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Web | Servicemember |
| This is regarding a XXXX 's XXXX Rewards prepaid XXXX card. XXXX/XXXX/XXXX XXXX I made an " in-store load '' with cash of {$440.00} XXXX XXXX XXXX XXXX XXXX dollars and XXXX. ) I was in a hurry to make my car payment that was over due via the telephone using this prepaid card. After loading the card, I called the loan company and tried to make a payment which was declined. The loan company was closing soon and I was concerned if I did not get a payment in that my car would be repo-ed. Quickly I called the customer care number on the reverse side of the card and the automated info did not reflect any such deposit. I never had to wait for any cash loads I had ever made on this card. The XXXX 's customer service agent had some kind of a weird technical glitch happen on her register when I loaded the cash to the card, and she explained that due to whatever unknown glitch that she was not able to print or reprint a receipt for me. My exact response to that was " Great, I hope because of this that it wo n't end up being a problem for me some where down the line. She assured me there was no problem and that the money would be added the card. She told me sometimes you have to wait up to XXXX minutes for the card balance to reflect the cash load. I asked her to double check the transaction as well as the info she was giving me as for I had been using the card couple months and this was the first time I ever had to wait for the card balance to be credited. Being the loan company was closing soon, and being that I was in a rush to get that paid and pick someone up from the airport, I decided that I would follow up with that credit later and in the meantime just load another cash load to the card that I hoped would be loaded quickly like it usually is and get that car payment in. So ... on ... XXXX/XXXX/XXXX XXXX I made a second cash " in-store load '' via XXXX 's customer service counter and this time for the amount of {$400.00} XXXX XXXX XXXX dollars and XXXX. ) That loaded immediately to the card, I made the loan payment and rushed off to the airport to pick up my mom & brother coming in from XXXX. When I got at home, I was consumed with visiting with my family and thought it would be a great idea to stash that extra cash load on the card to cover my XXXX old son 's XXXX presents. So I tossed it in an old purse until XXXX XXXX. In XXXX, I was very upset to call and check the card balance and find that {$440.00} cash load that I was not given a receipt for, was never added to the card balance. Therefore, I went to view the XXXX account online to see if there had been any fraudulent transactions that may have taken or used that money. I pulled up the statement and the statement shows the in-store cash load both the {$440.00} & the {$400.00} and there were no transactions that used the money as for it was never added to my card balance. I called the customer care number and explained the situation in XXXX XXXX and I was asked a lot of questions and told that a report was being filed and forwarded for investigation to their fraud department and that the {$440.00} would be added to the card balance within XXXX business days and if more Info was needed before the money was added that I would receive a call or email from an XXXX. I was given some " Ticket '' number that I wrote down and lost the notebook I had written that, and the date and person I spoke to. It was a XXXX minute very long call, on hold waiting for supervisors and for policies to be confirmed and then transferred etc. In 3 days I called the care number again, checked the card balance and verily disappointed found that no money had been added to the card. So, again I called back, about a week before XXXX and when I explained the situation, the care representative said they did not see any report filed nor had the account been notated of any such occurrence, nor had anything about this been filed with their fraud department that the rep could see. I just could n't believe I spent all this XXXX minutes on a call and being transferred and put on hold and asked questions and more questions and put on hold again and giving dated and times etc and then they have no such report or complaint filed. So I set the task aside until after XXXX and the new year. In XXXX of XXXX, I went online and viewed the statements again and clearly see the mistake and then become discouraged as for the website has a clause that says that any transaction disputes must be made within XXXX XXXX of the reported error. Really sure I disputed the error the very first day when I called the care number and reported I made a cash load in store, that the rep said she could see the cash load and that probably due to whatever glitch the cash register had was what was stalling or slowing down the process of those funds being added to my prepaid card balance.she said they never have any problems with the in store cash loads and i took for granted that I had n't either and in good faith believed it would be added no problems. Thank you and please let me know if you need anything else XXXX, XXXX XXXX XXXX | ||||||
| 04/10/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 at XXXXXXXX XXXX I received a text from US Bank providing a code " US Bank Alerts : XXXX is your code. Do not share this code ... '' I thought it was odd as I hadn't logged into our account. However, at XXXX XXXX I received a text that my credit card account password had been changed. I logged in through my phone and it seemed fine ; however, I logged in by my computer and, in fact the password had been changed. I immediately called the customer service phone number on US Bank 's website and was told " you'll need the State Farm department '' ( State Farm was the previous issuer of the card ). They transferred me to that department and I was met with " we are closed our office hours are ... ''. I hung up and called the number on the back of the card. I informed the customer service agent they have a breach as someone was accessing my account. The agent transferred me to another agent who walked me through changed the username and password on the account. However, had no explanation as to why or how someone had access to my account. I asked to be transferred to the security group and was assured they were the person that could assist. However, no information was taken nor asked for. I reiterated many times this is a security breach and was dismissed many times. I hung up and called back. Another agent assisted and suggested cancelling the card. I again told the agent you have a security breach. Nothing was done other than the agent suggesting to report the card as stolen. I told the agent I wasn't concerned about the card ; I was concerned that someone had access to the account, the information on the account, my SSN, my address, my phone number, my email address... etc. The call ended with nothing done. I had a previous interaction several years ago that XXXX XXXX XXXX had assisted with. I sent an email direct to him. He is listed on XXXX as Vice Chairman | Technology and Operations Services at U.S. Bank. No reply by XXXX XX/XX/XXXX. I emailed XXXX XXXX who is listed on XXXX as Information Security Director as well as emailing XXXX XXXX who is listed on XXXX as Vice President, Information Security Director at US Bank. I had a call back from a XXXX at US Bank at XXXX XX/XX/XXXX. XXXX was confident the issue was that someone had randomly gained access to my account as all cards are accounted for. I was on the phone for 55 min with XXXX. XXXX transferred me to a group that had a new card issued ; however, nothing was done about the breach. I explained over and over my concern is that someone has had access to ALL of my information. Nothing was done. I had new cards issued. Total to this point I had spent roughly 2.5 hours on the phone with US Bank with no results. The next day I received an email confirmation from the Executive Offices of US Bank that my email to XXXX XXXX XXXX had been received. I believe it was on Tuesday the XXXX I received a call from the customer service group inquiring why I had rated their customer service so poorly. I explained the entire thing again - again stating " You have a security breach ''. The person said they'd pass my information along. Add an additional 30 min so far. On the same day, the XXXX I noticed our Rewards ( this is a rewards credit card ) was wiped out. I thought, ok, they've placed the rewards in suspense until the new card arrives and is activated. The new card arrived on XX/XX/XXXX. I activated it ; however, the rewards did not transfer back. I gave it several hours before calling thinking it may need a bit to transfer to the new card. Not seeing any change I dug the rewards account to find that the rewards had been redeemed on XX/XX/XXXX, same day as the breach, to a XXXX XXXX Account ending in XXXX. I contacted the rewards group asking where I rewards were the response was we redeemed them. I said it wasn't us that redeemed them. They placed a fraud request in to their Rewards Fraud group. From XX/XX/XXXX until today, XX/XX/XXXX I have heard nothing from US Bank. In the meantime, my account was compromised, information was leaked and crickets. Today, I had a call from XXXX from the president 's office at US Bank. The information that XXXX had was incomplete as she apparently hadn't been briefed on the breach ; instead began by the Rewards fraud. I explained the whole thing all over yet again. Insisting US Bank has a security breach. I was told repeatedly that US Bank 's internal fraud group is managing the issue but could not tell me what, if anything was being done. I asked several times if the FBI or law enforcement had been contacted and was met with " I can not tell you what is being done ''. US Bank has had a full 10 business days to run an investigation, even with me providing them the information that the rewards were redeemed and transferred to a XXXX XXXX Account ending in XXXX and they have as of today done nothing. I ask the CFPB to intervene to initiate an investigation into how someone was able to gain access to my credit card account, change the password, and redeem rewards dollars all with avoiding US Bank 's own security measures. Thank you. XXXX | ||||||
| 05/15/2023 | Yes |
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Web | Older American |
| My wife attempted to file this complaint for me but it was rejected because she isnt an authorized representative and they didnt recognize her, I guess. I am XXXX XXXX XXXX, retired and XXXX, and have a checking account with US Bank. I wanted to open the account locally, upon closing on a home in XXXX, TN, XXXX years ago. Its in my name only. Recently, my wife took a look at the account because it seemed like I was constantly out of money before I was able to pay all of my bills. Then we noticed the multiple NSF fees that I had been charged. There are XXXX NSF fees since XXXX of this year. That is XXXX in XXXX months! I am not computer literate and didnt know that was what was happening My wife then printed all of the statements and I found out that since I opened the account, XXXX of XXXX, there have been XXXX XXXX XXXX ( XXXX ) NSF XXXX. That is {$4100.00}. XXXX XXXX XXXX in barely XXXX years is quite excessive. I called the US bank local branch to attempt to get some of the fees from this year ( XXXX in XXXX ) refunded and they said they would not accommodate the request in any way, because they had already refunded XXXX fee. XXXX refund out of XXXX total fees charged?! No one had ever contacted me in over the XXXX years I have had this account. I called them to attempt it obtain the refund ( a ). There was basically no help from them at all, on any of it. No help by way of any refund ( XXXX ), no guidance, no advice, nothing. According to the FDIC, the FDIC-supervised institutions should monitor excessive and chronic customer use, and if a customer overdraws his account on more than XXXX ( XXXX ) occasions, in a rolling twelve month period, they are to undertake meaningful and effective action, by making efforts to provide the customer with alternatives to overdraft payment programs. First, I am well beyond the XXXX fees in a rolling twelve month period. Even if I had opened the account XXXX years ago, that is only XXXX fees. I have had has XXXX in XXXX years and I cant tell why they kept charging NSF on top of NSF typically XXXX in a day. Several days in a row. When my pension or XXXX XXXX check finally gets deposited, it is already so short, it is a rolling mess, month after month. It has created a backlog of bills we can't pay because, US Bank has taken so much of my money in fees. No one made any effort to contact me via telephone, in person, by mail, or through electronic notifications, whatsoever. They are supposed to be monitoring account usage, as well as monitoring what their success rates are as far as informing frequent users. Clearly, no monitoring nor information so, nk success at this branch, at least with my account. We are behind on our mortgage because of this, as well as our vehicle loan. We had to extend on a personal loan to make some of the back payments that just got exacerbated over time. My credit was close to XXXX, XXXX years ago. Back in XXXX, our daughter was killed by a drunk driver. It sent us into a tailspin in every way imaginable. Our credit was in the toilet shortly thereafter because we just didn't care. We did, however, pay our rent and our vehicle loan -- which we had never fallen behind on in our XXXX years of marriage, until now. About XXXX years ago, we decided it was time to live amongst the real people, and attempt to climb out of credit the mess. I worked very hard to get my score up and didn't use a credit company for consumers, I did it on my own. Now it is back in the toilet and I doubt I could get a loan for a toothbrush, at this point. On the local branch bank manager 's own contact page, it states the following : I want to make managing your finances as easy as possible for you ... We will collaborate to understand your financial situation and develop personalized strategies to help you work toward your financial goals. Evidently, those commitments are for the very wealthy and not for XXXX retirees, who don't understand their financial situation and could probably really use the help of someone with his expertise. US Bank has failed me in so many ways. The NSF paid over the life of this account, opened just XXXX years ago, in XXXX of XXXX, is over {$4100.00}. The ripple effect to my credit, that was in good enough shape XXXX years ago to purchase a {$200000.00} home, has been devastating. It's not like I have a lot of time to re-build if AGAIN I am XXXX. Now, we have an additional loan payment for many more years at an exorbitant interest rate, adding to our inability to keep up, much less do anything but, attempt to pay our bills. I was able to retire early with a full pension ( because I had worked since I was XXXX XXXX XXXX ) after our daughter was killed in XXXX. I worked all his life for a pension so that I wouldn't be strapped with only social security and would be able to enjoy retirement and maybe do a little traveling or at least, be able to comfortably afford food and housing. Instead, I now havd more anxiety than I did when I was working as a truck driver, hauling a XXXX ' trailer around. | ||||||
| 04/22/2022 | Yes |
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| I was given false information by US Bank representatives for a Mortgage Modification program and because of that information I now have late payments on my credit report. I have written out a detail explanation of my account. In XXXX of XXXX, I applied for Mortgage assistance through US Bank, the bank that holds my mortgage. At the time all I wanted was a 1-month deferment to provide some relief from my monthly expenses. That month I was not doing well with my business and had some unexpected expenses come up. At that time, when I applied for the Mortgage assistance, I was not behind on my mortgage and was still within the 30-day period. I was notified that I was approved for loan modification. The terms where my monthly payment would get lowered to {$660.00} and the first payment was not due until XX/XX/XXXX. Again, at this time I was still within the XXXX payment period and was not behind on my payments. To confirm the information, I received in the mail, I decided to call US Bank. This is all still in XXXX of XXXX. I spoke with 2 representatives from US Bank. I asked them specifically, according to the loan modification my first payment is not due until XXXX XXXX. Does that mean I don't have to make a payment until then? And if I don't have to make a payment will this go as a negative on my report? Both US Bank representatives stated that I do not have to make until XXXX and that the missed payments will not be a negative on your report. Based off the information I received from US Bank I decided not to make my XXXX and XXXX payment as I was told it would not be a negative mark on my credit report and the first payment of the Loan Modification program was XX/XX/XXXX. Once XX/XX/XXXX, came, I made my first payment for the loan modification program, on time. After that I received a credit report notification that I was 30 days late on my Mortgage payment. I immediately called US Bank to get this corrected as I was told it would not affect my credit. When I talked to the US Bank representative, she confirmed what the other 2 representatives said, that I should not have a negative late payment on my credit report. And was told they would submit a report to to the credit department to correct the error. I was told it would take 30 days to update. Later in XXXX I received a letter stating that the late payment would be suppress. XXXX and I made my payment within the 30-day period. My credit report updated to show that I am now 60 days past due. I once again called US bank to complain. The US bank representative told me once again that I should not show any late payments and that she would input another dispute to their credit department to update and correct the issue on my credit report. I was once again told that this would be corrected in 30 days. After that call I received a call from US Bank stating they had important information about my account, I missed the original call, but called them back. This is still in XXXX. When I call them back, I once again brought up the late payments that were showing up on my credit report. This time the US Bank Representative told me that this was not true, and the loan modification does offer any credit report protections. And that the previous representatives gave me false information. I asked her could they update my credit report because I received false information and based my decision on moving forward with the loan modification off the information US Bank representatives gave me. She said I could not. I proceeded to ask to speak to the Manager and was connected to her supervisor. I explained the situation to her, and she confirmed because they have recordings and notes from all my previous calls. The Supervisor for US Bank told me there was nothing she could do even though she admitted that I was given false information, they refuse to correct the information on my credit report. The only thing she said she would do is have the representatives I spoke with go through more training. That does not help me. I was following the instructions US Bank gave me and if I had of known that this would affect my credit report would have not accepted the modification and made my payments as normal. Again, US Bank also has notes and recordings of all the phone calls I made trying to do my due diligence on this option that is supposed to help consumer not hurt them. I am a small business owner, and my credit report is very important to me, as I need it to get credit and loans for my business. This has really hurt me because these negative marks are keeping me from getting any type of assistance for my business. I have made all the loan modification payments on time so I do not understand why they will not correct my credit report. Moreover, the loan modification letter does not state anything about this program hurting or affecting my credit in a negative way. And if I would have known it, I would have not agreed to this program. I have attach letters, I received from US Bank and a screen shot showing I have made all the payments with the Loan Modification program. | ||||||
| 07/01/2018 | Yes |
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| Dear Sir or Madam : I previously submitted this request through the CFPB on XX/XX/XXXX. Usbank responded on XX/XX/XXXX that they would change both credit hits that occurred on XX/XX/XXXX and XX/XX/XXXX to " soft inquiries '' but this has not happened. I am writing to dispute the following information concerning unauthorized hard credit hit were applied to my credit report, improperly conducted by usbank on XX/XX/XXXX and XX/XX/XXXX. I am and have previously requested that this unauthorized credit hit on XX/XX/XXXX be removed from credit history as it occurred due to an error by usbank. I have previously filed a compliant through the CFPB in which usbank responded that they would remove this error and change both dates to a " soft '' inquiry from my credit history but they have not. I have waited several months for them to correct this and again, request that they do so as this is taken up a lot of time over the past year to resolve this matter. During the Spring of XX/XX/XXXX, my wife changed her maiden name ( XXXX ) to XXXX. One day we went into a branch to update her name on her usbank accounts and requested to have me added to all of her accounts. We asked if this would do any kind of credit check or credit hits to our credit histories and they said it would not do any credit hits to her credit score but would do only one hit to mine. The paper work was filed incorrectly by the worker at a usbank branch in XXXX, XXXX. The worker submitted the request for joint owner before the name change information. This caused the applications to add me to have a different signature and name that was on the accounts ( still XXXX due to submitting the joint-owner paper work before proof and request of name change ). So we had to go back into the branch to fill out another consent form to add me as a joint-owner of the accounts. We were told that this would not cause any other additional credit hits because it is within the same time period as the first request. We then received a letter saying the request was denied. I was denied to be a joint-owner because of the error at the branch that we already addressed. This letter is attached and dated XX/XX/XXXX and states that for security purposes, we are unable to process this request this was due to the name mix up. We received another letter dated XX/XX/XXXX extending an apology, explaining the errors that usbank made and stating that XXXX was now added to all accounts, however when we checked I had not been adding to the account ending in XXXX. I then received a letter stating we regret to inform you that we are unable to consider your application even though we just received a letter saying I was added to all accounts. This letter is attached as a photo and is dated XX/XX/XXXX stating that I was again denied because Another recent application is being processed which was the first application that we then had to re-do at the branch. We received 4 letters on this date all stating the same information but for different account numbers, some addressing my wife as XXXX XXXX and others stating Dear XXXX XXXX XXXX. My wife called to double check if I was added to all account several times because there must have been an error adding him to one of the credit cards as a joint-owner. Each customer representative said it was being worked on. She always asked if this process would create another hard credit check to be applied towards my or my husbands credit. The answer was always no. One of the dates she called was months later of this issue not being resolved on XX/XX/XXXX which is the dates I am disputing on my credit report. This was the second credit hit ( the first was on XX/XX/XXXX ) was unauthorized and negatively impacted my credit even though we were told no further credit hits would occur. Through this process usbank conducted three unauthorized credit inquiries on my wife 's report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Usbank has finally addressed their mistake by stating they will change these " hard credit '' inquiries to " soft '' but has yet to do so. I am requesting that usbank change the hard hit on XX/XX/XXXX to a soft inquiry and also correct their inaccurate, unauthorized hard credit hit on me onXX/XX/XXXX completely from my credit history as it was their mistake should not be reflected in my credit history. If this is not removed please send a " request a letter of deletion '' of this credit hits so I can send in necessary documentation to XXXX to fix usbanks mistake. I have attached copies of the letters sent from usbank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as usbanks response to solve this problem on my wife 's credit history and their response to me stating that these " hard '' to " soft '' changes would be made that have not yet occurred. Please investigate this and delete these disputed items as soon as possible. Thank you for your time, XXXX XXXX XXXX Enclosures : PDF containing XX/XX/XXXX usbank letter, XX/XX/XXXX usbank letters, and letter dated XX/XX/XXXX, usbank response to XXXX XXXX, usbank response to XXXX XXXX. | ||||||
| 04/26/2017 | Yes |
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Web | Servicemember |
| Originally within the pas t 5-7 ye ars or so, I had various debts such as with XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , US Bank , etc. I decided to u se Care One Credit t o help with regard to debt management services. Later on while I worked for XXXX XXXX , I found out I could do debt settlement. I was a candidate who wanted to pay off my debts faster and become debt free or at least be able to be in a position to use debt more properly versus racking it up or using Pay Day Loans which are in my mind aggregious. I have known I can u se one of the XXXX credit reporting agencies through XXXX and did so recently using XXXX and XXXX . What I realized, however, was that the US Bank de bt in particular dropped off in XXXX . XXXX XXXX , XXXX has made several phone calls to my place of residence where I live with family. I had swallowed the bitter pill of debt settlement and had n't realized how it truly worked with regard to my credit report - they can indicate you paid less than you owed. Some debt is a write-off or sold off to others ; each one has its o wn story of information in the credit report. Now, I had recognize d one of the last 4 digits of a ver y old account number ending in XXXX of which a pdf was sent to me via email probably my XXXX XXXX XXXX account ( I have 3 gmail accounts ). I made arrangem ents to pay XXXX XXXX on a debt that was referred to as 'Overdraft '. This was peculiar and I even checked with XXXX which they seemed to say that debt settlements could involve principal and interest but not necessarily Overdraft. I h ave checked XXXX credit reports recently and see nothing reported on Overdrafts. Now, XXXX XXXX within less than a month somehow thinks I owe over {$1300.00} in Overdraft with a DDA number. I do n't quite recognize the number or la st 4 dig its as I did before. I remember I had about {$8000.00} - XXXX approximate value of total debt with US Bank. Besides trying to reach out to the credit bureaus ( they ca n't help becaus e US bank de bt dropped off already in XXXX ), I called US Bank and got transferred to Collections - not only does my social security not bring up anything in a search, but the DDA number I ga ve from the XXXX XXXX , XXXX - PDF document mentioning the 30 day thing, did not come up i n US Bank 's systems at all - in fact the lady there was enormously unhelpful and could n't tell me even if US Bank did business with XXXX XXXX , XXXX as a matter of policy. Another problem is that XXXX XXXX XXXX XXXX who once handled my debt settlement, either is no longer in business, is n't doing business, or there are other names out there that might not be the compan y Care One used for debt settlement on my behalf. Present day, much of my debts are dropping off and some student loans will soon drop off of my credit report as well. I have 2 credit cards I am more actively using currently and am fine with those - its the nature of the past settled debts and nature of settlement that is at the heart of the issue. Care One might possibly be able to help me verify old US bank information in terms of original loan amount, etc. I imagine the debt was settled for at least {$4500.00} versus the $ 8,000-9,500 figure range I stated earlier. XXXX XXXX , XXXX has a very simplistic website and does n't show an address. The PDF used shows a P.O. Box that does n't match the website, but the one in the P DF could be employee specific almost like franchising. The specific phone number in the email I got also does n't match up with the website, but could be specific to an employee. What I think is that there is j ust one guy trying to look legit with a fancy LLC and he 's willing to pay to have the s imple website to look even more legit with only so much as an XXXX number of which he also is willing to pay for. Perhaps he is a XXXX diver - even if I try to verify the account number from the past, there does n't seem to be a way for me to verify if US Ba nk actually sold XXXX XXXX , XXXX my debt or was sold several times before it went to XXXX XXXX , XXXX - This company called me out of the blue over past debt I thought was settled. XXXX XXXX XXXX XXXX and I even talked over the phone and celebrated the last debt settlements. I really felt debt free with exception of my more recent minor debts - but the major ones were done in my mind. I never see Overdraft debts on credit reports to the best of my knowledge and I just do n't want to p ay one more b lasted dime because this information is so old and its really tough to verify. Even if XXXX XXXX XXXX wanted to take me to court ( if truly legit ), they would be hard pressed to find evidence other than what they have regarding original creditor information, nature of the debt, original credit amount, etc, when US Bank 's collections department ca n't even do so for me. I say - XXXX XXXX XXXX XXXX take your best shot as I do n't think you are as legit as you might think you are. | ||||||
| 05/11/2023 | Yes |
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| Thank you for responding to my CFPB complaint. In your correspondence sent you have stated you investigated numerous disputes about my consumer report since 2016 and determined the information provided by XXXX XXXX to the consumer reporting agencies is accurate each time see exhibit XXXX. XXXX XXXX then goes on to say based on their results from the investigation but has never provided any documentary evidence pursuant to 15 U.S.C. 44 to support their investigation See exhibit XXXXXXXX I now request that these results be presented for me to evaluate. Furthermore, an alleged agreement was signed with XXXX XXXX XXXX XXXX then transferred to XXXXXXXX XXXX XXXX who are now doing business as XXXX XXXX but being reported to the consumer reporting agency ( XXXX, XXXX and XXXX ) as XXXXXXXX XXXX XXXX. Provide me the chain of tittle and business agreement you all have giving consent for my nonpublic personal information to be conveyed transfer or assigned to any non-affiliate third parties. It makes me question the merits of both companies business ethics, that financial institutions that would willfully violate the consumers rights. After doing my research I found out that this company is required to follow the laws of the XXXX XXXX XXXX act. XXXX XXXX has violated my rights to privacy and stated the card agreement provided them with specific rights and I renewed the pledge each time I used the card but does not have a legal and lawfully contract with XXXX wet signatures to support their claim. If that wasn't enough card member service, then adds on a privacy pledge and disclosure of account information agreement to give out my nonpublic personal information to third parties when pursuant to 15 U.S.C. 1693L Congress specifically states no agreement between a consumer and any other person ( Philadelphia Federal Credit Union & Cardmember Service ) may contain any provision which constitutes a waiver of any rights therefore canceling the consent unlawfully attained by the agreement. Your Company knowingly use deceptive means to gained consent an willfully omitted a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide documentary evidence that you have complied with federal law and provided the consumer with an explanation of how to exercise the non-disclosure option. Furthermore, as to your allegations that you the creditor adopted reasonable procedures designed to ensure that each periodic statement including the information required is mailed or delivered to me the consumer not later than 21 days before the payment due date is false, in exhibit B you then state While we can assure you that we mailed several items regarding your account to the address on file for your account, we can not guarantee timely delivery by United states Postal Service. Congress stated you must ensure meaning ( Guarantee ) and you specifically stated that you can not guarantee timely delivery therefore failing to willfully stay in compliance with federal law federal law put in place to protect me the consumer. But to continue this scheme card member service then went on to violate the fair credit reporting act by committing aggravated identity theft 18 U.S.C. 1028A to use extortionate means to harm my reputation, by way of XXXX activity to induce repayment / collection of an extension of credit, by reporting this information to XXXX, XXXX, XXXX. When in fact 15 U.S.C 1681a ( D ) ( 2 ) states a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report and 15 U.S.C 1681a ( D ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Inclosing on XXXX XXXX, you stated you would file a 1099-C with the IRS when debt is canceled. On XXXX XXXX it was charged off, so how is a charged off reporting on my consumer report when a charge off is considered income an income is excluded from being reported on a consumer report see exhibit C. Provide me with a completed W9 form so I can have the IRS audit this account to avoid the risk of tax fraud. In the event of your failure to provide said documentation, this respondent demands that all alleged debts be properly recorded and officially acknowledge within your records in any other agency as non-existence, included but not limited to all debt collector and consumer reporting agencies XXXX, XXXX and XXXX. If you feel any of this information is inaccurate provide documentary evidence in an affidavit under penalties of perjury of what laws or authority allows your agreement to supersede federal laws to protect my consumers rights. | ||||||
| 12/18/2017 | Yes |
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| XXXX XXXX, I received a recorded call from US Bank XXXX Mortgage saying it was an attempt to collect a debt. In responding to the customer service line, we discovered that though the course of my divorce ( finalized XXXX XXXX XXXX, my ex-wife had changed her mailing address which affected where mortgage statements were sent XXXX she is a co-borrower on the loan ). Thus, I had not received the notification that there was a {$30.00} dollar increase in the mortgage. In addition they were going to fine me an additional {$140.00}. After we sorted out what happened, I agreed to pay the additional {$30.00} to get current and they agreed to waive the fine given the circumstances. In closing the call, the representative wanted to remind me that if I ever had any emergency situations such a loss of job, medical emergency, or inability to pay other bills, for example, they XXXX have ways at US Bank to assist, so I should not hesitate to reach out. I am the founder and COO of a technology startup, XXXX XXXX, and we are pre-revenue, which means at this stage, we depend on investors to provide cash-flow. As an entrepreneur, my funds have been less than consistent.As a result, I reflected on what the US bank representative had offered, so in XXXX, I called to inquire. I explained to this representative what the initial rep had shared about any emergency situations that XXXX arise and US Bank 's willingness to help in various ways. I explained that I was in a rather tight financial situation and wanted to explore options the initial rep had alluded to. I also explained the fact that I had gone through a divorce and that my ex-wife 's name was still on the mortgage, but I hoped to refinance in time to remove her from the loan as " co-borrower. '' This representative explained that she was unable to get into various options until I missed a mortgage payment. When I asked for an explanation, she said that right then, it was " hypothetical, '' as I had not yet missed a payment. She essentially suggested that I miss a mortgage payment and then we could discuss ways to help alleviate my mortgage burden either temporarily or through some form of " modification. '' When asked about impact on credit, the response was minimizing or vague on the impact. It was never disclosed clearly to me, given the totality of my situation the severe impact that missing a mortgage payment ( s ), or entering into some form of modification would have on my credit, my ex-wife 's, and my ability to refinance down the line. There was no discussion or disclosure of even a range of " points '' that might be taken off my XXXX XXXX. In addition, I never received " disclosure documents '' which indicated these impacts and/or credit reporting processes. For example, in XXXX following my missed payments that I was ENCOURAGED to miss, my XXXX XXXX and my ex-wife 's dropped by roughly XXXX points -- -from mid-to high XXXX 's to mid-to high XXXX 's. If I had been properly apprised of the true impact and implications, I would have done whatever possible to borrow from friends and family to make sure no payments were missed. We have been stellar loan recipients up until recently as records will show -- -- excellent payment history and excellent credit, so this should not appear as some kind of recurring struggle as history repeats itself. One could argue that it is a loan, and in the original loan documentation, there are numerous clauses relating to default scenarios, yet each subsequent representative I spoke to seemed to lead me farther down the path of how the various forms of modification, repayment plans or temporary forbearance could benefit me by alleviating my current financial hardship. I have recently been informed by US Bank that my " loss mitigation file '' is complete and it has been forwarded to the underwriters for recommended options. This process has taken quite some time and meanwhile, I continue to miss payments and incur fees associated with the defaults. In addition, as I have now come to find out, once any forbearance is agreed to or loan modification, our credit will take another hit for who knows how many points. Again, this picture was n't adequately painted -- -if not omitted altogether. For this reason, let it be clear that we will NOT agree to any forbearance/modification plan, especially with what recently has come to light. I feel duped. I am not only reporting this to the Consumer Financial Protection Bureau, but I also plan to retain a mortgage fraud attorney. I am not an uneducated individual unable to decipher sophisticated communications and or policy descriptions. At every step of the way, as I have mentioned, I have given each and every representative a full accounting of my personal and financial context, past, present and desired future. Nonetheless, I was continuously led down a path which ultimately was not in either my or my ex-wife 's best interests, not to mention our XXXX and 10 year-old children. This entire process was seductive, and has put us all in jeopardy. | ||||||
| 11/14/2017 | Yes |
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| In XX/XX/XXXX i opened a checking account with USBANK. A week later i received my online enrollment details in the mail and i created online access and logged in. I then saw an option that said 'See if you are prequalified for credit cards '. I entered in my information onXX/XX/XXXX and and the system came back with prequalified offers with specific apr range of 19.99 % for 3 credit cards. And the cards i was prequalified for were Us bank cash+, Us bank XXXX XXXXXXXX, Us bank flexperks. Among them Us bank cash+ and Us bank XXXX XXXX also had the bonus offers of XXXX $ each for spending XXXX $ on each card with in 90 days of account opening on eligible purchases. I took the screen shot of that prequalification offer page and posted in a credit forum called XXXX and asked for advice from fellow forum members. I received numerous positive responses about the cards therefore i clicked the 'apply now ' button on the prequalification page and applied for two of the cards that i was prequalified for. One was USBANK cash + and the other was US BANK XXXX XXXX. immediately on the same day i received an alert from my XXXX credit report about an XXXX inquiry. I took the screen shot of that as well for my records. After a few days i was approved for both the accounts and received my cards in the mail. I met the spend requirements for both cards and yet did not receive the advertised promotional bonus of XXXX $ for each of the cards for spending XXXX $ on each. And as my screen shots attached with this complaint reveal, there was no where on the prequalification page any mention of XXXX $ being a targetted offer. The prequalification page screen shot that i am attaching with this message shows date and time of the day i applied .and My myfico forum post asking for advise also shows the same date which match the date of my XXXX inquiry from USBANK . when i first called them about bonus, they transferred me to different departments and no one could find the offer attached to my account, after wasting an hour of my time i finally asked them the fax number so that i can fax in the screen shots. My first fax was sent on XXXX XXXX XXXX and i did not receive any reply. My second fax was sent on XXXX XXXX XXXX. I did not receive any reply. I finally postal mailed them the documents and i received a reply yesterday from someone named XXXX from usbank card member services. Her letter refused to pay me the bonus for both the cards and her reasoning was - " I used a different link to apply for the cards other than the one i submitted as prequalification link in the screen shot. '' Now, i have the proof of date and time in my screen shots, My prequalification page screen shot shows the date of XX/XX/XXXX and my transunion credit bureau shows the date of XX/XX/XXXX and my myfico forum post where i asked for advise before applying shows the date ofXX/XX/XXXX. Even though i used the 'apply now ' link under prequalifications i dont know how to prove that i used the exact link, but my forum post asking for advise reveals my genuine interest in knowing if these prequalified offers are solid or not on the very date i applied for the credit cards. And all XXXX from usbank can offer is her word " you did not use the link '. without any proof to support that claim. Can banks get away with this kind of generic response and get away with false advertising and not held accountable for giving 'any ' reason for not paying out the bonus? who holds them responsible? I have documentation proof and they have just their word. I very much trust that CFPB takes a thorough look at all the documentation i have submitted with this complaint and does question usbank about its unethical way of operating. From what i have read in numerous credit forums i am not the only one they have refused the bonus. they have been doing for many customers and they seem to get away with this kind of false advertising which in my eyes is fraud. the documents i have attached with this complaints are the following. 1. USBANK prequalification page screen shot showing the 3 cards i was prequalified for onXX/XX/XXXX. 2. USBANK prequalification page screen shot showing the 'bonus and other terms ' that i was prequalified for on XX/XX/XXXX. ( Please note that no where on this page there is any mention of this being a targetted offer ) 3. Screen shot of My XXXX credit report showing the credit inquiry from USBANK onXX/XX/XXXX 4. My forum post on XXXX from XX/XX/XXXX asking about us bank prequalification links and asking for advise before applying for the us bank credit cards. 5. Copy of my letter to us bank asking about the bonus 6. Copy of US bank 's letter of response to my request and their reasoning for not honoring the bonus dated XX/XX/XXXX. 7. US bank cash+ statement 8. US bank XXXX XXXX statement. 9. us bank cash+ welcome email 10. us bank XXXX XXXX welcome email Please do the needful and hold us bank accountable for not paying out their customers advertised bonus. XXXX XXXX XXXX XXXX | ||||||
| 01/07/2022 | Yes |
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Web | Servicemember |
| I need assistance in escalating my case so it wont be another month before I have access to my paychecks. I have done everything I have been asked to do in order to unlock my card and at this point I feel like customer service has no intention of unlocking the card no matter what documents I send to every fax number theyve given me, no matter how many times I send them. In one of the calls I recorded with customer service the representative even agrees with me that it sounds as though Im being messed with. Please, help me to resolve this quickly. On XX/XX/XXXX a return of {$350.00} was mistakenly issued to my US Bank Focus card when the original purchase was on my Metairie Bank card. Due to this error US Bank proceeded to freeze my account without informing me. I have been trying to resolve this issue since XX/XX/XXXX still with no resolution in sight. When I called customer service on XX/XX/XXXX, I was told that to unlock my account I would need to fax ( XXXX ) the receipts from the original purchase as well as the refund, drivers license, social security card, and a letter written by myself explaining the situation. The other option I was given by the customer service representative was to have the merchant, XXXX XXXX XXXX, contact the credit card processing company, XXXX XXXX, and have them force post the refund off the US Bank XXXX card. XXXX XXXX, the owner of XXXX XXXX XXXX, contacted them and was told that XXXX XXXX is unable to take the refund off of the XXXX card. Unfortunately, I no longer have the receipts and XXXX XXXX XXXX couldnt find the merchant copies after looking for a week. On XX/XX/XXXX I faxed ( XXXX ) XXXX a printout from Metairie bank of the original purchase, the original handwritten layaway receipt from XXXX XXXX XXXX, a letter explaining the situation, my drivers license, and my social security card. On XX/XX/XXXX I called and was told that they never received the things I faxed on XX/XX/XXXX. On XX/XX/XXXX I sent everything from XX/XX/XXXX a second time after confirming that the fax number I originally used was correct. On XX/XX/XXXX I called and was told that the receipts needed to be sent and I explained for the second time that I didnt have the receipts which is why I sent the printout from the bank and the handwritten layaway receipt. I was then told XXXX XXXX XXXX needed to fax ( XXXX ) XXXX a letter on the company letterhead including the purchaser 's name, the last four digits of the XXXX card, and an explanation of what happened, signed by the store manager. The manager faxed the letter and also included his contact information in case US Bank needed any additional information. On XX/XX/XXXX I was told that my drivers license was too dark and was unreadable and that I needed to enlarge it by 200 % and lighten it by 2 shades. I did those things and on XX/XX/XXXX I faxed ( XXXX ) XXXX ) it again. On XX/XX/XXXX I called and was told that my fax was received and my drivers license was fine but they couldnt give me a resolution until Tuesday night or Wednesday morning. On XX/XX/XXXX I called in the evening, spoke to a supervisor, and was told that they received my driver 's license but again it was too dark and I needed to enlarge it by 200 % and lighten it by 2 shades. I told her I had already done this and she insisted that I needed to do it again and submit it online through the US Bank website. I tried logging in but my account is locked due to this situation so I cant login to the website until this is resolved. Every copy of my drivers license has looked fine on my end so the issue seems to be with US Banks fax machine. At this time Ive called customer service at least a dozen times, sent 13 faxes, been given 4 different fax numbers after being told that the other fax numbers arent used, had a customer service representative hang up on me after telling me its impossible to speak to a supervisor because supervisors will only speak to me through email but I wont be able to respond any email they might send, I asked if it would be possible to email a picture of my drivers license and at first was told that theres an email address but that I cant have it then was later told by someone else that there is no email address and that everything is done by fax. I have spent hours on the phone and faxing things to try to resolve this. On XX/XX/XXXX I called again, this time to ask them to release at least my payroll if they couldnt release the disputed amount. I was told that the account would not be unlocked until they received the original receipts which are impossible to obtain. I was told that they never asked for all of the documents I have faxed. I have recorded phone calls with them about all the documents theyve asked me to fax. I asked for the phone number to the legal department and was told that getting that phone number was no problem. I was then transferred to a supervisor who said there was no phone number there was a po box address where I could mail my complaint. | ||||||
| 09/23/2020 | Yes |
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| This is my trying to deal with US Bank after I sent a check to myself from another account, while not knowing my dad was closing that account ( it was a joint account ) at the same time. Quick story : Check bounced. I called customer service. One person led me to another, to another, to another, so on and so forth, between the local branch and the call center number. I spent two and a half weeks just trying to get INFORMATION about my account/what was wrong, let alone what I can do at that point to restore it/get access to my funds ( at a time I desperately needed them ). I logged in every day to check all of the statements/documents in each section, looking for any communication from them whatsoever. I tried to XXXX {$1.00} a day just to see if I could access funds. Even though I think it's backwards af that banks don't have to communicate with their account holders in these matters for an indefinite period of time ( I mean ... forget XXXX ... this is an XXXX backwards law all around ... ), and although their awful/point-the-finger communication was the initial reason for my anger, that is not the reason I'm here. Today, after getting XXXX around by three different people in a department conga line, somebody finally told me the first piece of information that I could use. My account is set to close at X date, at which point funds will be mailed to me. Great. Thank you. I now no longer have to spend 2-3 hours on the phone/driving to your branch every day trying to just get a basic piece of information. I had the funds ready. I didn't know my dad would close the account. I wish US bank had given me a chance to show it/fund the account/prove that I did nothing illegal. What finally got me to write this complaint, however, was the following : I was told that the local branch manager was the only one who had the right to reinstate my account ... ( 1 ) they told me a different branch was my local branch originally, so there was a lot of wasted time and effort there. ( 2 ) Then they told me a different branch is my local branch. That branch told me that my local branch got shut down recently so he can't do anything. I asked him whether I'm the first person this has ever happened to and whether they have policy about this. At this point it was clear to me that they would rather just not deal with me EVEN IF I DID NOTHING WRONG, AND HAD THE ABILITY TO PROVE EMPLOYMENT AND FUND MY ACCOUNT BEYOND WHATEVER AMOUNT THEY WOULDVE LIKED. ( 3 ) He said he'll call me back. When he called me back, he said his boss is on vacation for a week so he can't do anything. I asked him whether I can use my XXXX car as collateral ( for {$800.00} in my account ... literally just to be able to pay bills ... instead i've had to take out high interest loans ). He said umm ... ( 4 ) At this point it was clear to me that he just lied to me and denied me any options that I may have had. Forget the fact that this is literally the only year of my life that I've struggled financially ( was riding XXXX credit score for a while ). Forget the global pandemic and all the others suffering at the moment. Forget the XXXX around I got for 2.5 weeks from customer service for hours a day/it not allowing me to use my time productively in other ways. I can " understand '' all of that in the name of law ( and XXXX business practices XXXX. What I can't let go of is the fact that there is a dude out there, probably sleeping comfortably in his pajamas right now, who decided to callously lie to me rather than even give me due process. I would've 100 % been okay with being denied re-access to my account ... but he decided that he would rather not even give me that. Dude ... I lost my faith in humanity HARD because of you today. I'm not even going to get into my personal situation right now and how I might be suffering. Even if you lack basic empathy ( like, hey let me just at least tell him that I'm able to take on the risk/unfreeze your account but I don't want to even if you use your XXXX car as collateral ), I'm sure you've read a newspaper headline or two by now. You know what's funny, Mr . US Bank Manager dude ( and likely the communication he was receiving from 'upstairs ' )? You know what's funny, Creator-of-USBank-IVRXXXX? Forget the fact that I could have proven my assets/how it's not even close to a risk to re-instate my account/that I did nothing illegal and that my dad is a XXXX. Before today, I simply felt like you were callous in how you treated me/had bad business practices/I didn't want anything to do with y'all again. Today, you ignited a spark in me. By lying, and by not giving me due process ( in the ONE time in my life ) that I've faced such extenuating circumstances. By stealing from me, both in terms of my time and now the high interest on the loan I had to take out. And finally, by the fact that through some combination of laws in this nation/US Bank 's practices, this was even allowed to happen in the first place. | ||||||
| 04/04/2022 | Yes |
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| I have a mortgage with US Bank. I purchased in XXXX and have been in excellent standing for the life of this mortgage. In XXXX of XXXX I was unemployed due to COVID and the tenant of my home was as well. I opted to sign up for the COVID Forbearance program to alleviate the financial stress. I went through the underwriting process with US Bank and they approved the loan modification. They sent the papers and when I went to have them notarized we realized they were in my maiden name ( I purchased the home 8 years before I met my husband ). I sent them a name change form and marriage certificate to change the name on my mortgage and have them reissue the papers. US Bank sent new loan modification documents but they added my husbands name to the loan! This was never requested by us nor did my husband authorize them to add his name to anything. I asked them to please remove his name and re-issue the papers. They sent papers with his name again and told me it was required because Colorado is a Common Property state. This is 100 % false. I insisted that they were wrong, and to please remove his name. US Bank then informed me that I had to sign a Quit Claim Deed to remove his name. Again, I insisted that they were wrong. I stated that I should not have to sign an incorrect document removing him as we never added him. The conversation about the Quit Claim Deed was in XXXX of XXXX. I asked them to please get it right and send me the correct documents. Many months went by and I assumed that it was being escalated and it was just delayed because it was complicated ( and everything seemed complicated with XXXX rules ). I never missed a payment outside of that forbearance period and resumed my automated payments. Fast forward to XX/XX/XXXX... I find out from my tenants that there has been a foreclosure notice taped to the front door. I had NO IDEA. There was no communication from US BANK. I had been making my regular payments, all automated and on time. I called the Public Trustee and confirmed that my home was in fact listed on the foreclosure list with a XX/XX/XXXX sale date. I immediately called the filing attorney and US Bank to try to fix things. US Bank then reviewed my account and informed me that on XX/XX/XXXX they marked my account as " customer denied loan modification ''. I never denied the program, I was just unwilling to execute incorrect documents. I assumed that whole time between XXXX and XXXX that it was just stuck in the process somewhere. This is my only fault - assuming someone was doing their job. On XX/XX/XXXX after panicking about the foreclosure and contacting them to fix things they re-opened the loan modification process again and sent to underwriting. They approved and send new loan modification documents ( with just my name! ) and immediately executed and returned to US Bank ( they received on XX/XX/XXXX ). Today ( XX/XX/XXXX - two full weeks later ) I called to check the status because they had not communicated anything to me. They informed me today that my modification was rejected because the home is not owner occupied. They said that because I was trying to modify it post-COVID, after the fact that it had to be owner occupied. This was not the rule when I qualified for the loan modification in the first place and it was in underwriting and approved multiple times. The only reason I am doing anything " post-COVID after the fact '' is because US Bank made error after error. The extended timeline of this modification is because of US Bank 's errors. Also, one additional point, each time I start a call with US Bank they have a standard set of questions they ask and one of them is " is this your primary residence '' and I always answer " no it is tenant occupied ''. It is not like this is new news to them. Every conversation for two years starts with this information and they have approved the loan modification multiple times. This has been an extremely demoralizing and stressful situation. I am published on a public foreclosure list. I receive non-stop phone calls about the foreclosure and my tenants and myself get multiple pieces of mail daily regarding this. My tenants no longer have faith that they have a secure place to live and want to break their lease. US Bank has treated me as if I am in default and in the wrong. They have made multiple mistakes and will not listen to me to correct them. I have never been able to escalate this on a phone call, they refuse or transfer me and it disconnects. I have spent countless hours on the phone with them only to speak to someone at an entry level who doesn't have a clue. I have to wait on hold while they IM their supervisor and get nowhere sometimes for multiple hours. I have written their formal complaint department four times with no response. As of today they are saying my loan modification is rejected which means if I don't come up with the money from the forbearance period that I will lose my house in foreclosure. Please, please help me! | ||||||
| 10/05/2021 | Yes |
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| On XX/XX/XXXX, I started an online loan and ran into a error saying see a banker. I made an appointment for XX/XX/XXXX, at XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in Minnesota . I Seen a branch manager by the name of XXXX XXXX. I told XXXX I was applying for a personal loan to pay off some medical bills and that I got the error message. I didnt want to cause the system to hit my credit report twice, so I came in to complete the application. She took my ID and put things into the computer, I brought my W2, tax papers and check stubs but she never asked for them. She told me she would call me Monday either way. I leave and go home, I called the bank and asked for XXXX to call me back on Tuesday. No word from US Bank by XXXX. So, I went online and scheduled an appointment for a phone call at XXXX on Wednesday XX/XX/XXXX. I never received a call. On Monday XX/XX/XXXX I made an online appointment to go into the bank on Friday. She told me I was turned down because I had a charge off in XXXX or XXXX for XXXX. I asked for papers stating this charge off and her response to that was that they can see it but they can not print it off. I told her I didnt know of anything, and it is strange that they denied me when I applied for a house loan this charge off never came up and that they need to give me information on this. My credit is good my and so is my job and credit history, why would they deny something 18 years old. She told me she will resend my application and I told her I feel really discriminated against and I believe the statues of my limitation is a law for charge off and that I will go to the top because there is no way they should turn me down. XXXX said it is XXXX, so I asked where iI can I pay it off then she called someone, and they said that I couldnt pay the bank and that I had to call the retailer to find out how to go about paying the XXXX. Went to US Bank at XXXX XXXX for an appointment with the Branch Manager XXXX XXXX. I asked her why she didnt call me back or return any of my phone calls and she said didnt you get the letter? They denied you. I said did they find the charge off account. I need papers saying I owe this debt when I when it originated, what bank and year. I said if you see it can you just print it, she said no. I asked her is there someone I can talk to in the district office she said no. I told her I needed the denial letter she kindly called someone and gave them a number and printed the denial letter and handed it to me. I told her I want the collection letter paperwork pertaining to this because I am feeling really discriminated against. My credit is good the bank has my house loan and I have a platinum credit card. I told XXXX I dont understand, and I will sit here until I get this information of the debt, I owe to US Bank from XXXX or XXXX is all she could tell me and that it was for XXXX. So, you see it but cant print it or mail it to me. XXXX XXXX started calling everywhere she stated she didnt know what kind of account it is, she called numbers to who I dont know but she talked to maybe 7 or 8 people and gave them all my social security number and other information. I just sat there seeing her frustrated, grabbing her head, no eye contact and typing frantically. Finally, at XXXX she said Well its not a loan its not a checking account so it must be a credit card. She called collection she said they gave her account number XXXX and said she didnt know what kind of account I owe. I told her I got a home mortgage XX/XX/XXXX wouldnt this come up? I had no problem getting a loan at this other US Bank branch. But twice I have been discriminated by US Bank and that I am going to fight back about this oh I am on your side XXXX XXXX Said. The last call she made the card services representative told her to put me on the phone. The person on the phone asked me questions, she said I dont see any delinquent accounts under your social security number. She said my account is active and in good standings. I told her what the person said and handed her the phone back. She said apparently, they cant find it. I said it was in XXXX or XXXX. I told her it doesnt because I dont owe US Bank XXXX so this is why me loan is being denied? You have my house, my checking account, my business account. I told them my credit score is XXXX. She told me Well go to annual credit and pull your credit report from XXXX and see if you can find it there. I said are you serious I must go search for it. I am questioning if she put it in the 2nd application or not. I feel discriminated against by the XXXX XXXX Branch. She never returned my calls or called as promised. She never asked for tax returns, check stubs or W2. I feel like she made her mind up when she very first met with me. I feel discriminated against she never offered me contacts who I can call or contact who is over her. When I asked, she said no one was over her? I feel like she was trying to find anything to deny my application. | ||||||
| 12/06/2023 | Yes |
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| This is an online checking acct. the only way I deposit money has been through mobile cks from my husbands XXXX XXXX acct or my other XXXX acct. on XX/XX/XXXX I did mobile dep ck # XXXX for {$1000.00}. I paid bills leaving bal apx {$530.00}. My husband got a text alert on his phone XX/XX/XXXX to verify that ck was him. But he works night so he did not respond to that text until XXXX and it had been sent around XXXX XXXX earlier that XXXX. I had also received an alert text for a low bal. I logged online and my bal was now over {$400.00} neg. The ck # XXXX was rtnd. So US bank took the {$1000.00} out of my acct making me negative. So on XX/XX/XXXX I called to see what happened and explained to her about my husbands text and she said that since he didnt respond until so late that they couldnt prove it was him so for his protection they didnt pay it. So she advised me to deposit another check to cover my negativity. ( On XX/XX/XXXX I had also made another mobile deposit for # XXXX for {$200.00} which was paid ) So I went ahead on her advice and deposited ck # XXXX for {$1000.00} via mobile deposit @ XXXX. I was advised that {$220.00} would be available immediately and the rest tomorrow on XX/XX/XXXX. And she told me that if I called back tomorrow that they would know the specific reason that XXXX XXXX did not honor the check. Well on XX/XX/XXXX the same thing happened again, my husband woke up to another alert on his phone which he agreed to which once again wasnt until about XXXX XXXX after being sent way earlier that morning. And so I went online and checked my balance and the deposit that was there earlier has now disappeared. It was gone, I couldnt find it anywhere, but I did receive a confirmation email, so I once again called customer service and se could not locate my deposit either she said there was no deposit, I told her that I had a confirmation email, but she said that probably it got kicked out and not processed. But she did say that the reason XXXX XXXX gave for not paying the check was suspicion of fraud. Just because my husband did not respond to the alert quick enough. That was the only thing they had to go by. So I called US bank customer service back and they put me through to fraud department. I told them what I was told by customer service. They said that my account was in the process of being closed and that I have to contact a branch manager that they are the only ones that can send an email to the risk department to ask that my account be reviewed and left opened. So they said to first contact XXXX XXXX and find out why they didnt pay the checks then call the branch manager with that info and tell them to send the email to risk management. They gave me the number to the XXXX XXXX XXXXXXXX. I called and spoke with a banker named XXXX. He said that his manager was on a conference call, so I told him what was going on. He was going to tell her everything and have her call me back. After about an hour I have heard from her so I called back. XXXX said that he had been looking and said he didnt know why they told me that XXXX branch manager would have to contact the risk department because XXXX said that customer service had more connections than the branch did. But he said that from what he could see that my account was being closed, he said that the manager said that when an account is new and an item is returned that the account is closed. I explained to him that it was a misunderstanding on XXXX XXXX part and that they were releasing the funds and they were going to my account. XXXX said that the funds would be returned to XXXX XXXX. He said that anytime an account is blocked that no funds can go into or out of an account. He said even if it was payroll that the funds would go back to the employer. So now I called the fraud department back, that lady I spoke to said, HE IS ABSOLUTELY CORRECT, WITH A BLOCKED ACCOUNT FUNDS CSNNOT GO INTO OR OUT OF THE ACCOUNT. Well they were both wrong. Because later that afternoon the {$1000.00} was transferred into my account. So when I called the bank back again and confirmed it, all they can tell me is that my account is blocked and that I have to wait to receive a letter from the risk department and that I will receive a check. That is not good enough. I was told my money would not go into that account, well it did do now ehh wont they give it back to me. I feel like I am being treated like a criminal. They are closing my account for suspicious of fraud which makes me look bad. And when I made the second deposit I paid credit card bills not knowing they put a block on my account. So luckily I was able to catch XXXX of my XXXX credit card payments in the pending status and use another debit card for payment and they were not late. But one was not caught and it was returned because US bank did not pay it even though it had my {$1000.00} in the account. And I was hit with a {$35.00} return fee. So I think I should be refunded for that. | ||||||
| 10/06/2023 | Yes |
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| On XX/XX/2023 I received a phone call on my personal cell phone that I recognized as the U.S Bank Customer Service phone number, as it is printed at the bottom of all of my credit and debit cards. I answered the phone due to recognizing the phone number and the male identified himself as a member of the U.S Bank Fraud Team. I believed him due to recognizing the phone number. He stated that U.S Bank has recognized some transaction on my account that they feel could be fraudulent. They read off some of my recent transactions. Some were not transactions of mine or my spouse, but some of them were. Because he has actual info from my account, I believed him to be a legitimate U.S Bank representative. The caller stated that if I wanted to provide some information, they would work to have the fraudulent charges reversed from my account. He asked me to provide some information that I normally would not provide, such as online username and security question response. He then said that he would send me texts to verify it was me and to read back the number on the text. The texts had actual U.S Bank type logo on the texts so I considered them to be legitimate and I read back the confirmation number. The caller ended by providing me what he said was a U.S Bank Fraud Dept Claim # and Case Number. When I got home from work, I decided to contact U.S Bank Fraud Dept to verify if the Case Number they had given me was legitimate and I was told that it wasn't and that someone has already committed a fraudulent {$9900.00} wire transfer from my Savings Account to a bank in another state. I stayed on the phone line and made a legitimate fraud claim with U.S Bank Fraud Dept and U.S Bank Wire Fraud Dept. I was told that a form was going to be mailed to me and that I would need to fill it out and send it back to them to begin the investigation. Even before ending the call, and prior to even receiving the form, the female from the U.S Bank Fraud Dept was already telling me that my claim is likely to be denied because when I responded to the phone call and provided answers that I believed I was giving to U.S Bank, that I gave my permission for the money transfer. I argued that I did not authorize any transfer of funds and that I am the victim of fraud by a suspect/s who purported to be members of U.S Bank Fraud Dept . The member of U.S Bank Fraud Dept that I spoke to refused to answer my questions and instead continued to scold me for being the victim of the fraud, which only made me feel victimized yet again. After completing the call with U.S Bank Fraud Dept, I contacted my local police and made a report with them. The police investigator stated that she would attempt to file search warrants to recover the funds from whatever bank the fraudulent wire transfer funds were sent to and would provide any updates. After approximately 7 days and not receiving this form that I was told was being mailed to me, I contacted U.S Bank Fraud Dept again and they admitted that they forgot to send out the form and would again mail it out to me. Approximately XXXX days later, I received word from my personal banker at U.S Bank that my case claim had been deemed closed because no funds could be recovered from the fraudulent wire transfer. Upon learning this, I contacted the U.S Bank Wire Fraud Unit and spoke to the investigator assigned to my case who told me that her part of the investigation was only to attempt to recover the funds that were fraudulently sent to this bank in another state, and because she could not recover any funds, she has closed the wire fraud portion of my case but that I could still potentially recover the {$10000.00} fraudulently taken from my Savings Account if I complete the form mailed to me and send it back out. I told her that it has been XXXX phone calls and almost XXXX weeks and I have yet to receive this form. She transferred me back to the main U.S Bank Fraud Department who stated that they did not understand why I had not received the form, but they confirmed that they had closed the investigation. How can U.S Bank close an investigation that they themselves admit begins when I receive and send back to them the form to begin the investigation? To date, I have yet to receive this form and I have confirmed my mailing address with them repeatedly. This is nothing more than a complete scam by U.S Bank to avoid having to reimburse me for a scam that they know they are partially culpable for since this scammer was able to spoof their phone number and logo. U.S Bank has a part to play in this fraud and I would like to be reimbursed for the {$10000.00} that was fraudulently removed from my account. I have been a loyal U.S Bank customer for over 40 years. I have used their services for bank accounts, car loans, home loans etc but I am ready to pull my money from U.S Bank and file complaints with every agency that I can find to make others aware of their bogus and unethical practices. | ||||||
| 12/04/2023 | Yes |
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| On XXXX XXXX at XXXX there was a transaction done for the amount of {$800.00} in XXXX Ca XXXX I received an alert via email regarding that transaction that stated that the transaction for {$800.00} was preauthorized. with a date of XX/XX/XXXX with a balance of {$110.00} the date and the balance amount was wrong. I called right away as soon as I saw the alert tried 4 times to get thru the line the customer service department keep answering and sending my call to leave a review of their service when they had not even help me they will say please hold and will send me to leave a review. I drove to the XXXX XXXX XXXXXXXX atm in XXXX, CA XXXX my town and withdraw the rest of my money that was left after the fraud transaction and to have proof that I had my card with me. I got to talk to a customer service rep after several try 's and calling two different numbers. I stated what I received and advise the customer services rep I didn't not make, nor authorize that transaction for {$800.00} that the business showing in my Us Bank focus card app is about 3 hours away from me. That the transaction was done at XXXX and is XXXX and I withdraw what was left in the card in my town XXXX. I was advise the card was going to be cancelled and I was going to be issued a new one, that I need to call back when the transaction has posted. Next day in the morning about XXXX I called back since I had received an alert stating the transaction had posted to my account, so I called customer service to start the dispute process. Same day I faxed my proofs that it was not me who did that transaction, I was giving fax number XXXX to send my statement and proofs that I had it was not me. I called the following day to check the faxed was received and I was advise that it takes 3 to 5 business days. I continued to follow up on the fax with no success. I was advise again the fax was not received I asked to speak to a supervisor per the agent she was the supervisor XXXX she told me my dispute had been denied base on their investigation, to what I reply base on what? she said if I wanted a copy of what they base their investigation on I stated that yes. On XX/XX/XXXX, XXXX I re faxed my documents again to this point I had not received the denial letter. On XX/XX/XXXX I called again asked if they had received my faxes the agents stated they did received them to follow up in a few days. I called again on XXXX XXXX and asked about my dispute again the rep stated it was denied to wait for the letters. I asked to be transfer to the fraud department and I was told like other times that she was not able to transfer me to the fraud department because they don't have a number to be transfer to, they only communicate thru messages. I very overwhelm about this situation so I asked to speak to a supervisor again she get on the line I explain to her I had received the denial letter and the documents they sent in what they based their decision and it was only 3 XXXX with 2 with addresses that I don't live at and the last one my current address wish it shows how far I live from the place where the transaction was done, I explain to her that it was impossible for to have done a transaction in XXXX at XXXX and withdraw money in XXXX XXXX Ca my town at XXXX if she can see the distance is 2hors and 56 minutes the Shortes route the other 2 routes from my address where more than 3 hours. ( I'm attaching the maps they sent to me ) to what she answered that the outcome was going to be the same nothing was going to change. I stated I have videos from my XXXX XXXXXXXX that proofs that I was home and that I can provide them. I also stated to her that what they don't contact the merchant to get videos, receipt or anything that can prove it was not me, I told her I'm pre sure they ask for Id for the type of business that is. She answered that they did I asked why that proofs where not sent to me and she stated that they can not provide me with that that is confidential, I replied confidential is my card is my money, I want those proof or I'm going to place a complaint with the correct agency to investigate she stated again nothing is going to change the outcome. The customer services and supervisor at this bank are very professionals, impossible to get in touch with the fraud department. Please I need your assistance so they can reconsider and investigate fully that I didn't not authorize nor made that transaction, I'm attaching the videos from my ring camara with date and time to show I was home at XXXX XXXX XXXX XXXX, CA XXXX and not in XXXX, nor XXXX or XXXX as they are basing their decision on addresses that I don't live at. I file a police report and provide all my proofs that it was not me, I requested the report but still not complete, but I can provide if requested once is complete and I can pick it up I can send it to you. Per their denial letter states that I authorize, made or benefit from the transaction which is false accusation. | ||||||
| 08/03/2020 | Yes |
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| I've chosen what I think are the most accurate choices to categorize this complaint but to be dead accurate, this complaint is related to US Bank incorrect handling of my Payroll Protection Program application, their lack of information, details, protocols and processes when handling the application and their now refusal to handle the resolution of the matter. As a matter of fact, they were so inept at handling these applications, they didn't even realize they had 2 applications open under my name and didn't even seem concerned when I informed them of it. My original PPP application was submitted on the first day it was eligible to do so through US Banks ' PPP Portal. As the process moved forward through the entire month of XXXX, I was originally offered a loan amount that was nowhere near what I qualified for ; I was told by the US Bank associate that my accountant sets the loan amount which is incorrect and then was further told to accept what they were currently offering and to then submit a second application during the second round which also turned out to be incorrect guidance. To further confuse the matter, there were several people working on the applications and I received several emails requesting information that I had already submitted ; it was evident they had no clear dedicated team or process to handle these applications with any efficiency or accurate knowledge of the program. That original PPP application was funded on XX/XX/XXXX for {$5400.00} Based on US Bank 's direction, I filed a second application and went through the entire process throughout the months of XXXX & XXXX. I encountered the same issues as I listed above but eventually was able to work w/ one individual who I would say was going above and beyond what was expected of her. I completed the process with her and was informed that the now accurate number of a PPP Loan in the amount of {$95000.00} would be closed and funded ; at no time was I informed that there was a possibility of the application being denied. I received notification the XXXX week of XXXX that my second application had been thrown b/c I had already received a loan. I contacted the SBA and inquired with them and they did confirm that guideline but also notified me that US Bank is responsible to amend my original application to correct the appropriate amount and that they should fund my PPP Loan in the correct amount. I immediately took this information to US Bank ; after a week or so and on XX/XX/XXXX I was told to submit an email to their PPP email address which I assumed goes to the people directly responsible for handling these loan applications and assumed this was the necessary step for them to begin amending my original application. That was not to be the case, I immediately received email stating that they were for all intents and purposes done handling the applications and I should now deal with their Business Service Center or contact SBA. I did both ; their Business Service Center just sends you from one web page to another ultimately ending up w/ the SBA . After contacting my local branch to see if they could get me any answers, which they couldn't, I contacted my local SBA office on XX/XX/XXXX. I was informed by them that IT IS 100 % US Banks responsibility to contact the SBA and initiate the amendment process, they are just simply refusing to do so. The SBA associate told me they are receiving a lot of those complaints b/c it is a process they have to perform and they simply do not want to dedicate any personnel to this process but that I need to continue to contact them until someone decides to handle this issue the proper way, I have yet to be successful. I have spoken w/ other financial institutions relaying my situation and they have all confirmed what the SBA had informed me ... ..US Bank is 100 % responsible to amend my first application and bring resolution to this matter. During this entire process, I received email communications from US Bank through a secured server and have been unable to retain them to include in this complaint. I have taken screen shots of any and all emails I was able to obtain to establish the in depth amount of communication that took place and the entire time, my applications were handled incorrectly and US Bank was negligent in the way they ran their PPP Loan Applications. These attached screen shots will also support my stated timelines. In closing, I want US Bank to be forced to do what is right and amend my original application and fund my PPP Loan for the appropriate amount. This program was to help small business effected by the Covid Virus. I am in the XXXX XXXX XXXX and the day they suspended all XXXX XXXX, I lost my ability to make a living and now I am being denied by US Bank what the government out in their hands to help small business. I look forward to a prompt reply too this complaint. Respectfully, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX | ||||||
| 08/01/2018 | Yes |
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| Went into the XXXX store instore USBank branch located on XXXX XXXX and XXXX XXXX XXXX, on XX/XX/2018 at XXXX ATM ID XXXX with card number ending in XXXX to deposit cash in my checking account in the amount of {$630.00}. Followed the prompts and after I put my cash into the ATM I receive an error message stating that a machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. I told the two guys that were behind the counter that something just went wrong with my deposit. One guy said that the other guy that handles the ATM will be over. I left the screen up so he can see. The ATM guy came out looked at my receipt and looked at the ATM, I told him that I attempted to deposit cash and receive this message. His response was, " yeah, this is the second time that this ATM has done this today ''. Then processed to asked if it returned any of the my deposit, I said no and you can hear the ATM counting the cash. He advised me that something is wrong with the ATM since this is the second time that this has happened and that that he will be balancing the ATM that night and to call the number to listed on the receipt XXXX to file claim and my money should be credited to my account once it balances and it will show in the system the outstanding amount. I called the XXXX number and spoke with a lady, explained the situation she stated that she was able to see the funds of {$630.00} were deposited into my account then immediately taken back and for me to call the next day, XX/XX/XXXX after XXXX to get it resolve or that it should be resolved. I hang up with her and log into my account and I also saw the deposit for {$630.00} and then it immediately showed it taken out for {$630.00}, which left my balance of {$92.00} Then this morning XX/XX/XXXX I received two emails from US bank alerts from the same email address:XXXX The first one was at XXXX stating : US Bank deposit account- Low balance alert Account number ending in XXXX date XX/XX/2018 Balance alert- Available balance less than - {$50.00} Available Balance - {$370.00} Then it goes into don't response to this message and if I wish to contact them to log in to my account and send a message to customer service. The second email was sent at XXXX from the same email address stated above stating : US Bank deposit account- Negative balance alert Account number ending in XXXX date XX/XX/2018 Balance alert- Available balance less than {$0.00} Available Balance - {$370.00} Then goes into if I have overdraft protection on this account the negative balance may be covered and goes into generic response. This didn't make any sense as my account was in the positive yesterday and the only thing that was pending process was a payment for my daughter 's school care of {$130.00} which is why my balance was showing {$92.00} ( prior to that debit my balance of {$190.00} then a transfer from XXXX in the amount of {$36.00}, which my balance of {$230.00} again still in the positive, not negative ) So I log into my account after I get these emails and show that my balance is again, {$92.00}. Now, I don't see the ATM deposit or it being taken out anymore and I see the pending {$130.00} still processing, nothing showing this so called negative balance. I called this morning XX/XX/XXXX at XXXX spoke with a rep named XXXX and explained my situation again. He stated that claim has been filed and that it will take 10 business days for the provisional credit to be deposited into my account. I said 10 business days, I was told yesterday from one of the Branch guys who would be balancing the ATM that night and it will show the outstanding amount as well as the lady I spoke with yesterday who told me that she saw the deposit and it rejected and to call the next day. I can't wait 10 business days for this. I have to pay rent which was part of the reason why I deposited CASH into the ATM last night. I have until the XX/XX/XXXX, which is a Sunday to make a payment which means I have until Friday, XX/XX/XXXX to pay my rent otherwise I will be charged late fees and notice of eviction if payment isn't received. Who is going to pay for this, not US Bank?.? He said maybe to call to get an extension. He said that he would put a " note '' on the account but it can still taken up to 10 days. Then he transferred me over to the fraud department concerning the emails and the rep I spoke with XXXX gave me some lame excuse as to why the emails were sent out which still don't make any sense to me. She stated some where on the lines of the payment that I made yesterday that is still processing the system pulled the funds which then generated the email stating that the balance was less than {$50.00}, which is fine the account balance would have. But again that math doesn't add up to my account being negative - {$370.00}. So clearly it the 2 emails are sent in error since my account is not negative whatsoever. | ||||||
| 06/20/2022 | Yes |
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| This is a follow-up to a previous complaint that was not adequately addressed. I am requesting that the original complaint be reviewed along with the new supporting documentation indicating that I was unfairly removed from COVID-Related Relief Options. Original Complaint ID : XXXX On XX/XX/XXXX, I submitted this letter to their consumer advocacy department as well as the XXXX XXXX XXXX Account Number : XXXX Property Address : Department of Loss Mitigation and Consumer Advocacy : I am writing to humbly request that my account be reconsidered for a loan modification which will allow my outstanding balance accrued during the COVID-19 Forbearance to be placed into the my loan and allow me to resume previously established monthly payments. This request is based on the fact that I, in good faith, enrolled in the COVID-19 forbearance plan and followed the rules and guidance as provided from US Bank representatives . Despite these efforts, and as a result of incorrect guidance from the US Bank agents, my COVID-19 forbearance participation period was erroneously extended one month beyond the allowed time limit. The culpable missteps were confirmed by an investigation by US Bank as reported by US Bank Customer Advocacy -- XXXX XXXX ( quotes denoted in blue below ) : As no further suspension of payments was available, you contacted us on XX/XX/XXXX, for review of modifications. You were removed from the COVID-19 forbearance plan that day, and placed into deferment modification in XX/XX/XXXX. Final documents requiring your signature for approval were sent in letters dated XX/XX/XXXX, and again on XX/XX/XXXX, for follow up, which were not returned. It was my belief based on this conversation that I was still enrolled in the COVID-19 forbearance plan at the conclusion of this call. Clarification should have been provided to you regarding your request to extend the deferment, as there is no extension of the deferment, and your COVID-19 forbearance extension was removed when reviewed for the deferment. Therefore, by your own admission, clarification of this unique program was not provided, thus it was reasonable to have the understanding that I was still enrolled in the COVID-19 forbearance plan. Additionally, we found that the proper internal task was not opened with your request to remove the deferment on XX/XX/XXXX, causing your review not to close until XXXX due to failure to return the modification documents. Furthermore, on a call completed with you in XXXX, due to you stating you were still on the COVID-19 forbearance until XXXX, the agent failed to communicate that your forbearance had ended in XXXX in oversight of your account ; therefore, you were inaccurately told to contact us back in XXXX instead of reviewing options at that time. Given the specific misinformation provided above, it is reasonable for one to conclude that I was still protected under the COVID-19 forbearance plan. When your review was closed in XXXX, you were due XXXX payments, which put you over the allotted 18- month payment delinquency The delayed review, per above admission directly led to the one month overage of the allotted 18 month limit. therefore, you were ineligible for post-forbearance options. When you contacted us in XXXX, we explained that post-forbearance options were not available unless you were to pay down your delinquency, or you would be placed for a traditional retention review, where a Mortgage Assistance Application ( MAA ) is required for review. Furthermore, in XXXX, we found that communication regarding timeframe for review of options was given in receipt of additional documentation requested was accurately completed. The enclosed Customer assistance summary information letter dated XX/XX/XXXX, was sent to you showing completion of our underwriting departments review, providing a conditional approval for a short sale. Our records reflect, due to an internal system issue, you were wrongfully denied the option for a repayment plan and offered the conditionally approved Short Sale ; The offer of a Short Sale was an untenable option. An option that did not reflect the weight of the conflicting guidance previously provided. therefore, after review of your financials provided, we reverted your plan back for approval of the repayment plan. This repayment plan offer is enclosed for your reference and show that funds were received on XX/XX/XXXX for acceptance of this plan. The payment made was to reflect my good faith efforts and demonstrate my dedication to maintain home ownership. My submission of payment should not connote repayment plan acceptance as the payment as outlined is not sustainable. I respectfully request to remit the amount necessary to bring my loan current from the period which my COVID-19 forbearance expired ( XXXX ). After which time, I request resumption of all options afforded under the COVID-19 forbearance plan. | ||||||
| 08/02/2021 | Yes |
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| To Whom It May Concern : I am writing this letter to formally dispute US Banks reversal of the provisional credits issued for two fraudulent charges to my US Bank credit card ( acct # ending XXXX ). Please see the timeline below for relevant background and charge details. I, XXXX XXXX, am the account owner of this credit card, and have been a longstanding US Bank customer. Please note, I do not regularly use this card. See EXHIBIT A for all XXXX statements demonstrating this ( exhibits are attached to my CFPB complaint ). BUT FOR the fraudulent charges attempted on XX/XX/XXXX, the card has NOT been used at all during the XXXX calendar year thus far. Likewise, I have never had one late payment and in fact auto payments are made each month. To safeguard against fraud, I have enacted ( turned on ) fraud alerts made available by US Bank, including email alerts when a charge is made at a gas station and when any purchase is made for that matter. On XX/XX/XXXX, I received numerous emails from US Bank, stating that my card ending in XXXX was used at various pawn shops and a gas station. See EXHIBIT B for email alerts received. Given I never use this card and I have never been to a pawn shop in my entire life, I immediately knew these were fraudulent charges. Upon seeing these email alerts ( and ON THE SAME DAY, XX/XX/XXXX ), I immediately called US Bank to report the fraud. See email from US Bank in EXHIBIT C, clearly stating that they received my fraud report on XX/XX/XXXX, the same day the fraudulent transactions were made ( fraud claim # XXXX ). Below are the 5 fraudulent transactions attempted on XX/XX/XXXX and reported by me on the same day. This information is also contained in the XX/XX/XXXX statement ( enclosed in EXHIBIT A ). Trans Date / Transaction Description / Amount / Date Fraud Reported by Me / Results of US Bank Fraud Investigation Trx # 1 : XX/XX/XXXX XXXX XXXX, XXXX MI {$950.00} XX/XX/XXXX Found to be AUTHORIZED, provisional credit reversed. XXXX XX/XX/XXXX stmt. Trx # 2 : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX MI {$940.00} XX/XX/XXXX Found to be FRAUD ; provisional credit remains. Trx # 3 : XX/XX/XXXX XXXX XXXX, XXXX MI {$840.00} XX/XX/XXXX Found to be FRAUD ; provisional credit remains. Trx # 4 : XX/XX/XXXX XXXX XXXX, XXXX MI {$840.00} XX/XX/XXXX Found to be AUTHORIZED, provisional credit reversed. XXXX XX/XX/XXXX stmt. Trx # 5 : XX/XX/XXXX XXXX XXXX XXXX XXXX MI {$3.00} XX/XX/XXXX Found to be FRAUD ; provisional credit remains. The above details are corroborated by the XX/XX/XXXX statement enclosed in EXHIBIT A, which sets forth the Transaction Date, Transaction Description, and Amount. US Bank appropriately issued provisional credits for all 5 fraudulent transactions and began their fraud investigation. Throughout the process, they emailed me providing updates on the status of their investigation. See emails in EXHIBIT C. I have received several hardcopy letters in the mail from US Bank, stating that three ( 3 ) of the five ( 5 ) transactions were deemed to be fraudulent and therefore the provisional credits issued would remain. However, on XX/XX/XXXX, much to my surprise, I received a letter in the mail from US Bank, stating that two ( 2 ) of the larger transactions made on XX/XX/XXXX at two pawn shops were deemed to be authorized and as a result the provisional credits would be reversed. See charges highlighted in yellow in the table above. The XX/XX/XXXX statement demonstrates the reversal of the provisional credits for these two charges ( see stmt in Exhibit A ). The letter received me on XX/XX/XXXX, provided no explanation as to why they were reversed or US Banks basis for concluding they were authorized and not fraud. Immediately, I picked up the phone and called the US Bank Fraud Department ( call made on Friday, XX/XX/XXXX, at approximately XXXX EST ) and received no further explanation from the initial representative I spoke with. I then asked to speak with a supervisor, who advised me that a representative familiar with my fraud case would call me back within 48 hours to explain the process for appealing US Banks fraud conclusion as to these two charges. However, to date, I have never received a call. Nor did US Bank provide an explanation of how to appeal their finding. US Bank provided no basis for conclusion that 3 of the 5 transactions attempted on XX/XX/XXXX were fraud ( including 2 made at pawn shops ) and more importantly why 2 of the transactions were deemed to be authorized ( which were also made at pawn shops ). This conclusion belies logic. Of the fraud I reported timely on XX/XX/XXXX, how can one of the charges at XXXX XXXX be deemed authorized and the other at the same vendor be deemed fraud? This makes zero sense. I can get no further information from US Bank despite my calls and a formal letter w/ exhibits mailed to their fraud dept ( which was also sent via email and fax ). | ||||||
| 04/03/2020 | Yes |
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| This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days. | ||||||
| 09/30/2020 | Yes |
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| The following complaint was disputed numerous times directly with US Bank National Association. I have sent certified mail correspondence, emails to XXXX, XXXX XXXX, their executive and relations teams as well as their CEO. These were all filtered by their executive assistant ( s ). I received personal and sensitive information other regards to multiple other customers demonstrating their lack of transparency in their misdirections and lack of accountability in acknowledging errors on behalf of their team at the highest levels. I was a prior secured card holder that has long since been closed. I was contacted by them during a collections call with regards to a small balance reflecting due which I was under the impression again from their miscommunications was paid. The supervisor advised the account was being enrolled in Covid assistance and that my complaints and documented dispute would be notated on file and escalated accordingly with a follow thereafter. I received a response from this unscrupulous institution today in regards to the fact they pushed my account to the bankruptcy department when I continued call to follow up. Their rationale for such is that I advised if their MISTAKE was not corrected I would pursue legal action and wanted their arbitration contact and legal counsel which the rep refused to provide me with. This conversation took place on XX/XX/2020 days after my payment to pay the account off in full which took place of XX/XX/2020. They further stated that the findings are valid and it was investigated I need to provide additional information heres the information for you- I have been a customer for 6 years never once 30 days late. I advised there was a dispute on file. I was contacted by your Supervisors three times. They stated the account was on a 2 month billing cycle extension. Prior to the end of the 2nd month I paid this account in full completely. This was a very minute amount that I was clearly quoted capable of paying in a flash. My long standing history of never having a 30 day the multiple calls to me from your company including higher level supervisors. My payment physically clearing my bank when your office is not even open clearly shows you have your dates in error. My call on XX/XX/XXXX was to follow up as I advised the rep about my credit report error and that I previously disputed the amount due if you listen to the recorded call which will be requested in arbitration or trial the exact conversation was will I get th e money back if ruled in my favor and when will this be removed from my credit. The rep stated there is not much info being made available to employees from the executive level about covid so she couldnt tell me one way or the other at which time I advised if this ABSOLUTE error is not fixed I want legal or arbitration immediately. She scoffed got rude and I hung up on because her service much like the rest of your company was beyond reproach in a negative way. I dont owe you anything Ive never been 30 days late ever with you and clearly was advised this was on a two month billing cycle extension and clearly paid during 2nd month furthermore your untrained reps also stated you dont even report 30 days when I inquired you report after 60 days so go back to the drawing board provide the proper training. Give me your legal counsel information immediately your contract states request in writing I have requested it 21 times since XXXX XX/XX/2020 to include directly with your executive office. In case you were not aware you have an ethical obligation to do so. Im telling you again the information is absolutely inaccurate I have been very diligent with my arrangements prior to and since the arrangement. I have been referred to bankruptcy because I requested arbitration? Your policies are absurd- not even close go listen to all your calls I have been hung up on countless times your reps have been monumentally unprofessional and each of which stating something different with no clue what to say If this is not fixed yes I will exhaust every legal recourse because it is wrong you cost me signicant fonancial harm I have lost several limits and accounts because of this and I will pursue damages for time spent and impact. I will also be including the incompetence at the highest level and the compromised personal accounts of several of your consumers by XX/XX/2020 on various platforms. Highly unethical - YOU ARE WRONG at first I chalked it up as a simple error during a difficult time that happens even with the setbacks it presented to me unjustly your lack of action, attacks, lack of professionalism, clear history of never having a similar circumstance and the fact that this is clearly paid in 2nd month made it worse. Then it was reported 90 days late twice which you stated it wasnt and I proved you wrong on that it actually still is on XX/XX/XXXX as of XXXX pst XXXX XX/XX/2020 2020 | ||||||
| 06/08/2017 | Yes |
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| My name is XXXX XXXX XXXX. I closed on my home XX/XX/XXXX, my interest rate is 6.125 %. I hade XXXX XXXX XX/XX/XXXX and I had fell behind in my mortgage. I contacted U S Bank Home Mortgage concerning my XXXX and I was out of work for 8 weeks. I have paid U S Bank until XX/XX/XXXX. I sent two money orders and they sent the money orders back for XX/XX/XXXX and XX/XX/XXXXbecause they stated I was behind and only owed one month but they sent my money orders back. I contacted U S Bank and my loss mitigation officer name is XXXX XXXX. I have been in contact with XXXX XXXX on numerous occasion. I have been begging XXXX XXXX to start my loss mitigation because I am back working full-time since XX/XX/XXXX. I fill out two mitigation loss forms to resume my mortgage because I had a loss mitigation offered to me for Hurricane XXXX and Hurricane XXXX. I received email from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Every time he requested documents, I sent them to him and I have every thing that I sent him and the email letters. XX/XX/XXXX one of U S Bank officers called on behalf of XXXX XXXX requesting documents again and the loan officer told me that your loss mitigation should have been approved. As of XX/XX/XXXX my loss mitigation still have n't been approved. XXXX XXXX and U S Bank have been lying to me for over a year. My first request was XX/XX/XXXX for a loss mitigation. XXXX XXXX and U S Bank have allowed my mortgage to get behind 14 months and {$12000.00} behind. I could have been making payments because I have been working full-time. I sent them every pay check stub, my husband and my XXXX brother award letter. XXXX told me Monday XXXX XXXX that U S Bank is on the loan servicer and XXXX XXXX XXXX hold my home loan. I notified the the HUD agency in XXXX XXXX as well as filed a compliant with the Federal Trade Commission concerning XXXX XXXX lying, evil and fraudulent tactics and antics. When I signed the mortgage papers on XX/XX/XXXX, I had a HUD home with FHA loan paper that was signed and included. HUD agency in XXXX XXXX told me I am not listed and referred me to XXXX XXXX and a gentleman by the name of XXXX told me they could n't help me because my loan is a USDA loan. XXXX XXXX stated that U S Bank reported to the credit bureau that my home was in foreclosure on XXXX XXXX and he told me that U S Bank is trying to take my home away from me because they could have help me through loss mitigation and XXXX program. XXXX XXXX and U S Bank has allowed my home to be behind for 14 months and {$12000.00} behind so they can take my home by putting the money at the end of my loan refinancing it with a conventional rate instead of the fixed rate I have and refinancing my loan for another 30 years. I have been in this house for 18 years and XXXX XXXX is intentionally not processing my loan to steal my home from me so they can get money out of home equity because it is worth more than what I paid for it. XXXX XXXX wants me to pay for a {$85000.00} home which is only owed {$64000.00} for 30 more years which will be 48 years for pay for a house that only cost {$85000.00}. I have live in and put equity in my home. XXXX XXXX, U S Bank and XXXX XXXX XXXX have taken my FHA loan that I signed on XX/XX/XXXX and now it 's a USDA loan, they have allowed my loan to be behind for 14 months by asking for the same information over and over again to make the money that I owe to be in the XXXX of thousands so, I can not catch up and to steal my home away from me. XXXX XXXX, U S BANK AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS AS A US CITIZEN AND AS A CONSUMER. XXXX XXXX asked me why did U S Bank never offered me the XXXX program that was available to American people that was in financial distress, I told him U S Bank is mad because I reported them to the Federal Trade Commission and the Consumer Finance for not wanting to release the money XXXX XXXX had sent to give the contractor for repairs to my home for the tornado in XX/XX/XXXX so, they are evil enough to refuse to approve of my loss mitigation and to allow my home to get so far behind until it is in foreclosure according to XXXX XXXX who investigated U S Bank and told be the truth about this evil, fraudulent company. XXXX XXXX and U S Bank have proof I could have been paying my loss mitigation and they refuse to approve it to steal my home away from me. I will attach every letter, communication and check stub I sent to XXXX XXXX and U S Bank as well as XXXX XXXX XXXX to prove I have been in communication with him since XX/XX/XXXX. I do not want XXXX XXXX to be my loan officer, he as well as U S Bank and XXXX XXXX XXXX should be investigated by the federal government and the Federal Reserve Bank and all authorities that are over the jurisdiction of home loans and the unfair treatment of American citizens and tax payers. | ||||||
| 06/13/2018 | Yes |
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| I conducted a private person purchase of a boat and trailer on XX/XX/XXXX, using US Bank to finance the transaction as a secured loan with the boat as collateral. The original loan was generated at the US Bank XXXX XXXX California branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The purchase price was {$35000.00} US Bank was going to be the " legal owner '' of the boat, while I was going to be the " registered owner '' of the boat. At the time of the purchase, the boat was registered in Nevada and would have to be transferred to California where I live. All of this was addressed with the loan officer prior to the signing of any of the documents, as well as with the US Bank employee who facilitated the signing. A US Bank requirement was that the seller of the boat be present at the signing to turn over ownership documents to them, including the title, and to sign release of ownership documents as well as all California and Nevada transfer of registration paperwork. Because of the location of the seller and the boat, the signing of documents took place at the US Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Both the seller and I met at the bank as instructed, at the designated time and date. After signing all the required documents, the US Bank employee who facilitated the signing advised me they would be keeping the original XXXX documents and submit them to ensure that everything was done properly. The US Bank employee then directed me to write a check to XXXX for {$2200.00} to pay for all fees and taxes and give it to him, which I did. After the signing was complete, I was then given a copy of the contract and a cashiers check which was used to pay the seller. I then left the location with the boat. In XXXX of XXXX, I had not yet received any registration sticker, or any registration paperwork from XXXX. At this point I called US Bank and spoke with a customer service agent who advised me that there was an issue with the time of signing and that there were missing documents, or documents that had not been signed. I then contacted the XXXX XXXX XXXX Manager and advised him of what the customer service representative told me. When he investigated it, he also told me that the bank had made a mistake and that XXXX paperwork had not been signed. The manager told me that he would work on it and get the issue resolved. He asked if I had any way of re-contacting the seller, so he could sign the documents. I checked my phone and saw that I still had his phone number. At this point I contacted the seller and he agreed to meet with me. I drove from XXXX to XXXX XXXX XXXX and had the seller re-sign the XXXX documents that he had originally signed at the time of purchase. The seller even told me that he remembered signing the documents I was having him sign. I then returned those documents to the branch manager. Then, approximately 1 month later, I still had not heard anything, so I re-contacted the branch manager, who told me they STILL did not have all the documents that needed to be signed. He again asked if I still was able to re-contact the seller, yet again, to have him sign more documents. But by this time, I had already purchased a new phone and no longer had any way of contacting the seller. I told the manager that because of their mistake, I have been paying on a boat for the last 11 months that technically is not mine and that I could not even use, insure or even sell. After months of waiting and staying in contact with the bank manager, he said that he had concluded that I was at fault and said, " Ultimately It is YOUR responsibility to register and insure the boat. We just issued you the funds for the purchase. We have nothing to do with the XXXX aspect whatsoever ''. I then reminded the manager that it was a secured loan and that THEY kept all original signed XXXX documents, including the title at the time of signing, along with a check in the amount of {$2200.00} to pay for the taxes and registration fees. At this point the manager backtracked and re-affirmed that the bank was the one who made the mistake and that it was not my fault in any way. To try and help the situation, I voluntarily asked the Manager if there was a way for them to provide me with the original documents that they kept so I could go to XXXX and get everything worked out. He said there was no way of doing that and that he did not have access to any of the original documents. After this meeting, he re-affirmed that the bank had made a mistake and that he would continue to work on it. It has now been 6 months and it still has not been resolved. To make matters worse, the bank for some reason, sent the original {$2200.00} check through to XXXX who cashed it nearly a year later and without any warning. Now I am {$1200.00} negative in the bank, and ironically the boat payment is due from direct deposit from that account. | ||||||
| 01/13/2021 | Yes |
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| This is a complaint against XXXX XXXX, owned by US Bancorp bank. I closed my account 35 days ago and still have not received my funds, despite my many efforts and contact with XXXX. Timeline : XX/XX/XXXXh : I closed my savings account on XX/XX/XXXX and was told to allow 14 days for allow a check of my funds ( {$250000.00} in initial deposits plus the interest earned at XXXX ) to arrive. This 14 days is also outlined in the agreement. XX/XX/XXXX : No check arrived in the 14 days after I closed the account. On XX/XX/XXXX, 21 days after closing the account, I called customer service to follow up. They told me they would have to issue a new check, because it had been over 14 days. They told me it would take 3-5 business days to receive a response from the department which issues a new check. They said they would contact me after that. XX/XX/XXXX : On XX/XX/XXXX I called customer service again. The representative, XXXX, told me they a new check had been sent, which would arrive in 6 business days ( by XX/XX/XXXX ). They had not contacted me about this, and it was still longer than I felt appropriate, so I asked to speak with a manager. After a 15 minute hold, XXXX came back on the line and told me that in fact the new check had not in fact been sent out yet. It is unclear whether he made an error or if he had lied before. He said he would expedite the check to arrive within 3 business days. I requested he mail it overnight instead, as it had been 4 weeks since I closed the account. He told me they did not offer that. I asked again to speak to a manager. The manager ( I did not get his name ) told me 3 business days is the fastest they would offer, but he offered me an alternative : they could transfer the money back to my XXXX XXXX XXXX account via ACH. He said this would take 4-6 business days. I asked why it would take so long, because ACH transfers can be made next day or same day, especially to a major institution like XXXX XXXX XXXX, and certainly XXXX has that capability, as they advertise instant peer-to-peer transfers, XXXX XXXX, and a national charter. The manager said he did not know why it takes so long. I again asked him to mail a check overnight or send a faster ACH. I was put on hold again, then the manager returned, offered no expedition on the matter, but he offered me a {$25.00} credit for my trouble. He then asked whether I would prefer the check or the ACH transfer. I told him I preferred the ACH transfer, and I asked for confirmation and tracking for it. He told me he did not have the ability to provide that. He said my next step was to reply to an email just sent from XXXX, confirming my desire to have the money transferred. He said I could ask them for tracking and confirmation. After the call, I immediately replied to their email. I again expressed my discontent, reiterating that I had waited 28 days already, well beyond the 14 days in the agreement. I asked that my money be sent same day ACH or wire transfer. XX/XX/XXXX : The next day, XXXX replied to my email stating, I apologize for the inconvenience. We will return the deposits to XXXX XXXX XXXX and will issue you a check for the remaining balance of {$330.00}. Please allow fourteen ( 14 ) days for processing and mailing of the refund check. They offered me no time frame for when the transfer would be sent or when I should expect it in my account, just that the deposits will be returned. They also had not previously mentioned they would only return deposits of {$250000.00} via ACH while sending the interest via check separately. XX/XX/XXXX : I called customer service for confirmation and proof that funds had been sent and to get the exact timeframe for when they would be in my account. The representative, XXXX, told me on the phone and sent email confirmation that the funds had indeed left my account and would arrive in my XXXX XXXX XXXX account by Tuesday XX/XX/XXXX at the latest. I also asked her for copies of my account statements, since I had been locked out of my account following its closure. She put in a request for them to be sent to me and told me I should receive them within 2-3 business days. XX/XX/XXXX : as of XXXX Eastern time, I have not received the deposits in my account. I called XXXX XXXX XXXX, and they confirmed that no money had been transferred in from XXXX. They also informed me there are no pending or scheduled transfers to my account for the next 3 business days either. In addition, I have not received copies of my account statements. Conclusion : It has been 35 days since I closed my account and I have not received any of my money back. XXXX has provided misinformation to me on multiple occasions and has delayed returning my money to me beyond any reasonable timeframe. They continue to provide no proof of any action being taken towards returning my money ; the information from XXXX XXXX XXXX confirms this. | ||||||
| 01/19/2024 | Yes |
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| Hello, I am here because I have no where else to turn and would like your help. I possessed a Union Bank credit card that I rarely used. Unbeknownst to me, when Union Bank was acquired by U.S. Bank, I did not receive any notification about the transition. Upon attempting to access Union Bank 's website to pay and check my balance, I discovered it was no longer functioning. Realizing the account had converted, I reached out to U.S. Bank to settle my account. To my surprise, they informed me that I couldn't pay online or over the phone until I received the new credit card. Expressing concern about potential negative impacts on my credit, the customer service assured me that everything would be fine and advised me to call back once I received the new card. When the new card arrived, I promptly paid the outstanding balance of approximately {$50.00}. I learned about late fees on the account, but the bank agreed to revert them due to issues converting new customers. Despite their reassurance, I discovered in XXXX that a late payment had been reported on my credit, resulting in an XXXXXXXX drop. I sought assistance from card member services, visited a branch for guidance on dispute resolution, and handwrote two letters on resume paper to U.S. Bank expressing my concerns. Unfortunately, I received generic responses requesting more information. Subsequent attempts to resolve the matter through XXXX and XXXX disputes proved unsuccessful as they confirmed the accuracy of the reported information. Here is a copy of the letter : " To Whom It May Concern, This correspondence is in reference to the conversion process of Union Bank members to US Bank members. I was instructed to rewrite this letter as the first was sent to the wrong department. US Bank associates have informed me that, with the notes in my file, this letter will find the correct avenues. Please read the following description of events and forward to the appropriate department. My name is XXXX, and I want to first thank you for taking the time to read this letter. I recently pulled my XXXX and XXXX credit report and discovered I have a late payment that was reported on XXXX XXXX for my credit card account ( XXXX ). Originally I was a Union Bank customer and had a credit card account with them. When US Bank acquired Union bank I was not notified of any change that was occurring. Upon realizing the change occurred, I contacted US Bank to try and pay off the balance of my credit card and was informed that I would not be able to do so without a new US Bank credit card, nor would I be able to log into my new account on US Banks website. Once I received my new card from US bank, I promptly called to settle my account. At the time they told me there were late payment fees on the account, but because of the mistakes they were having with new Union Bank customers they would happily remove the late fees. I paid off the existing balance of my card ( < {$100.00} ) and expressed my concern about having a late payment reported to the credit bureaus, the associate assured me that there would be no negative report concerning my credit and if any negative report did occur I could call US Bank back and have it reversed. Upon realizing there was a late payment associated with my US Bank account I called to have it reversed, the associate and their supervisor advised me they did not have the power to do so, but agreed that there should not have been a negative report in the first place. I was told to write a letter and reference that everything was paid as of XX/XX/XXXX. Up until US Banks acquisition of Union Bank I had an on-time payment history. I've resumed keeping my account in good order since the initial mishaps with onboarding new customers. Additionally, I have a perfect payment history with all my creditors and this has negatively affected my credit score. Based on my otherwise spotless payment history, and the circumstances that befell us during the transferring of accounts, I would like to request that you apply an adjustment to remove the late payment mark from my credit report. Granting this request will repair the damage caused by the complications of the US Bank/Union Bank merger and help me improve my overall credit history and correctly demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration and time, Mr.XX/XX/XXXX '' While acknowledging my late payment, I firmly believe it could have been avoided with proper communication, such as a bank statement or welcome email from U.S. Bank, or the ability to pay my bill over the phone post-merger. Considering the impact on my credit score, I decided to reach out to the CFPB. I have always been a responsible borrower, and I find it disheartening to have this blemish on my credit. Any assistance you can provide would be greatly appreciated. Thank you in advance. | ||||||
| 11/08/2022 | Yes |
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| On XX/XX/22 me and my husband received four highly unusual requests for all-inclusive personal identifying information in the mail from " Cardmember Authentication Department '' ( attached ). Two of them were from US Bank, the other two were from Elan Financial requesting excessive and unreasonable PII to be faxed or mailed out to them. I called the number provided in the letter to get information as to why a credit card company is requesting the last 2 years of our federal tax returns among other things. I spoke to 5 different people at different times of the day, today, XX/XX/22, and none of them was able to provide me with reasons behind such thorough inquiry at this time of having the account and alleged discrepancies. None of us have applied for new accounts, we have spotless credit history and standing, we are not aware of any red flags that would allow a credit card company to request 2 years of federal tax returns, 2 months of personal checking account statements, driver license, social security card, IRS 4506-T form , and SSA 89 form. I called both banks directly to find out if they indeed sent out these requests, and they confirmed they did, but again, they kept transferring me to this centralized fraud department called " Consumer Authentication Department '' at XXXX. I did pay and ran a background report on this number, and came up with a spoofing phone # assigned to multiple individuals NOT a valid consumer authentication department. I requested to speak to a supervisor or whoever would be able to explain me the reasons behind such all-inclusive and confidentiality violation request, and after the third call, someone told me they made a note in an unknown department that my accounts were marked as having " synthetic fraud '', of which needless to say, I am not aware of, especially when our credit reports are frozen and no one can access them other than us until the freeze is lifted by us. When I asked one of the supervisors what they tried to gain from my 2 years of federal tax returns, she said, they needed it to verify my identity. I explained to her that my identity is easily verifiable simply using my DL, my SSN, any utility bill, and IRS Tax form 4506-T, why they requested my bank statements and very confidential federal tax returns of the last 2 years? I asked her if they wanted to see my dependents, my deductions, my profit and loss, my children 's social security numbers, she told me, " maybe we do, why not, might as well ''. I stopped at US Bank branch and showed them the letters and asked them the same questions. The representative at the branch told me the account is already closed and there are no notes and she couldn't do anything to provide transparency as to why I am asked such volume of PII to be sent to them either via fax or by mail. She said the letter was highly unusual and she had never seen such a request before. In short, I am unable to get answers from US Bank or this alleged Consumer Authentication Department. Everyone sees notes, no one knows who put the notes and what is this allegation of " synthetic fraud '' based on. From my knowledge and understanding credit card companies are not allowed to request such PII from a consumer who had the account in excellent standing, with XXXX balance, and perfect financial history for many months. US Bank also has our mortgage, our joint checking and savings accounts, and 2 credit cards that they closed without even honoring the 15 days mark in their own letter. If there is any credit card company that is already in full possession of our financial history, it is US Bank. That's another issue, because they mailed the letter on XX/XX/22 and we received the letters on XX/XX/22, which didn't even allow us enough time to respond, if we decided to put our entire financial confidential information on a silver plate and mail it to them risking it getting into the wrong hands. US Bank closed our accounts with no factual basis, no proven facts, no reasons, just some bogus " synthetic fraud '' allegation that no one knows who came up with. They do not even know how this ridiculous inquiry was generated in the first place. And nowhere in the US Bank cardmember agreement states that they are allowed to request such information from a consumer. This is not a new application for account, even if they decide to do such an inquiry, it should be limited to certain PII, not a person 's entire financial life, this is a clear violation of our privacy and violation of 26 U.S. Code 6103 - Confidentiality and disclosure of returns and return information. I wasn't asked for such all-inclusive information even during the purchase of our property. This is unprecedented. I will file a complaint with the CA Attorney General in addition to this complaint. As a consumer, I have the right to know what is in my credit and why am I denied credit. | ||||||
| 06/19/2018 | Yes |
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| On XX/XX/XXXX, I contacted USBank to discuss paying off my loan on our travel trailer - they indicated the fasted way to release the lien and receive my title was by via wire ( 7 days instead of 14 with check ). On XX/XX/XXXX a wire in the amount of {$13000.00} was sent by XXXX. On XX/XX/XXXX - the wire was still not showing on my account. I reached out to USBank first, I was transferred to the wire department and they could not find the wire. At this point, I reached out to XXXX who apparently did not include my account information for USBank and that is why they could not apply it to my account. A representative from XXXX got in touch with the wire department at USBank and provided the information they needed - I also received the federal reference number to ensure it had been sent to USBank. This was all on XX/XX/XXXX and I was told it would be applied to my account by XX/XX/XXXX - it was not. I contacted USBank on XX/XX/XXXX, was transferred to the wire department - rep in that department told me they can not assist with my loan account and transferred me to a rep in the loan department. This person told me " not to worry - they probably have my money but it can take up to two business days to be applied. '' I waited for two business days to pass, bringing us to XX/XX/XXXX. By this point, I was frustrated and when I called the customer service line again, I was promptly transferred back to the wire department ( even though they had told me they could not help me ) but this time the same person who I spoke to on Friday at least found the wire which came in on XX/XX/XXXX - confirmed that they had it and it had been " forwarded to the right department to be applied to my account '' but she could not tell me when it would be applied. I gave them another day and checked my account on XX/XX/XXXX - still not applied and by this point, interest is still being charged a per diem and I demanded to speak to a manager. I was told that I was put into a " call back '' list and would receive a call within 24 hours. I called back again 3 hours later - and was told again - a manager was not available - and I would receive a phone call within 24 hours, but at this point I did get a direct line to a manager - who I left two messages for. I have yet to receive any calls from any managers. Later on XX/XX/XXXX I called back a third time and spoke with someone who I felt could help. She reached out to the wire department - was told the same thing - that they have the {$13000.00} and it would be applied to my account but they would not tell her when BUT the interest would be removed in which had been collected from time of acceptance of this wire. On XX/XX/XXXX, I called again and asked to speak to the same person I spoke to the day prior. The person had no idea how to get in touch with that person indicating they are just a large call center and no one has direct lines and she wanted to know if she could help. I was extremely frustrated and could not understand why I was re-telling my tale of woes to an eighth person. But I did - I told her the whole story and she too got in contact with the wire department but she indicated they could not find the wire even though there was a note saying that on XX/XX/XXXX they received the amendment necessary from XXXX to move forward. I was pretty upset at this point - she put me on hold and spoke with her team leader and relayed the following " It can take up to three business days for a wire to be applied to the account. '' So now, I have been told 24 hours, 2 business days, and now 3 business days. This person told me that if it had not been applied to my account by Saturday XX/XX/XXXX, she would call me on the XX/XX/XXXX ( the next time she was working ) and open up what was called a " Missing Payoff Search ''. She did call me back on XX/XX/XXXX since it was still not applied and opened a search and told me this could take 7 business days. I was just at a loss of what to do. Jumping back real quick, my husband and I went to speak with a manager at the USBank branch in our town on XX/XX/XXXX because I had just had it with the customer service being provided and wanted to speak face to face with a manager. The manager was somewhat helpful, but he seemed to be at a loss of what exactly we could do to make this move faster. Both he and I could not understand why USBank had not just rejected the original wire as now, since they had not taken that action, this money seem to be in limbo. He had asked me to reach out to him yesterday XX/XX/XXXX to see if anything had moved on my account - I left him a voice mail and then he subsequently left me a message later on yesterday indicating that he is waiting on a call back from someone in the wire department at USBank. This brings me to today XX/XX/XXXX - money still not applied - interest still accruing. | ||||||
| 02/12/2021 | Yes |
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| On XX/XX/XXXX at the beginning of the Covid19 global pandemic my spouse and I were offered forbearance from US Bank for our Vehicle Lease. We accepted the offer in the event myself and/our spouse lost our job, etc. After making our XX/XX/XXXX lease payment and the account being current our forbearance began for the following three months ( XXXX, XXXX and XXXX ). When the three month forbearance ended we were fortunate that neither one of us has lost our jobs and we saved the monthly lease payments and wanted to pay them back to bring the account 100 % current and not have to make all payments at the end of the loan. ****This is when the issues arose and US BANK became obviously not prepared or knowledgeable to handle such a situation. My wife called US bank in XXXX to being making auto draft payments with US BANK and requested to make a lump sum payment of three payments that we had forbearance on. US BANK stated they couldn't take a Lump sum payment and had to multiple individual payments, of which we did. US BANK also stated the Auto Draft system was not working and would need to call again to setup auto draft the following month ( XXXX ) to setup and start in XXXX. MY wife called in XXXX and again was advised the system wasn't allowing to do so and to call again in another month, so again my wife setup individual one time payments to keep account current. In XXXX my wife made another attempt to setup the auto draft with a US bank agent. The agent said the system was setup and would start XX/XX/XXXX. Move foreword two months to XX/XX/XXXX and we receive a DLQ notice form US BANK that our XXXX payment was never made. Qucikly may wife calls and makes multiple payments for the XX/XX/XXXX payment and the XX/XX/XXXX payment, made on XX/XX/XXXX. Prior to this US BANK had already reported our account 30 days DLQ to the Credit Bureaus, of which both my spouse and I have over 800 credit rating each and this took us down to the low, low 700s. I quickly call US BANK, wait on hold hours and speak with a rep, advising the US BANK auto draft system failed and US BANK reported me DLQ at no ones fault but US BANKS! The rep puts in a request on XX/XX/XXXX to have the credit dispute reviewed and fixed. 40 days later I receive a letter that US BANK on XX/XX/XXXX denied my request and said the credit was reporting correctly. I then call US BANK on XX/XX/XXXX, speaking to the 15 different agent on my 15 different call, explain again what had occurred. This Agent tells me this issues has occurred several times and many different clients of US Bank, and he wishes US BANK had never taking this on because they in no way are knowledgeable enough or know how to handle forbearance. The agent tells me he is going to change the account to show of the two payments i made on XX/XX/XXXX, one would reflect paid on XX/XX/XXXX and my account would never go DLQ, then then 3 days later would put the request to have credit fixed and email when he has done so. Now, its Friday XX/XX/XXXX, i have not heard back from this representative, my online account shows no change my payment history and my credit is no closer to being corrected after US BANKs lack of ability and urgency. I called US BANK again on XX/XX/XXXX and spoke with again another rep! She advised me what the agent on XX/XX/XXXX was trying todo is not possible and a credit dispute must be completed again!!! Additionally!! My wife attempted to setup auto draft again in XX/XX/XXXX, of which US BANK said it would not go into effect until XX/XX/XXXX, so therefore my wife setup another one time payment for XX/XX/XXXX. on XX/XX/XXXX two payments are withdrawn from our bank account by US BANK, almost making my bank account negative, this was due to the one time payment working and auto draft starting XXXX and NOT XXXX like we were told by US BANK. i called yet again another US BANK rep Monday evening XX/XX/XXXX and he tells me he has put request in to get fixed and return funds, this would take 2-3 days, 4 days later i still don't have the funds bank in my account. I speak with another US BANK rep on XX/XX/XXXX and she said nothing been put in place to fix this, but she can have the transaction reversed and a cashiers check mailed to me in weeks. I declined this offer and would do best to keep funds in account until next payment due in XX/XX/XXXX. To sum up the complaint, US BANK has ruined my spouse and I 's credit with false report because of awful auto draft system and untrained reps, depleted my bill pay account by drafting multiple payments from it and not returning the money in a timely manner. And after months of work bring the account current, making multiple payments, dozens of phone calls, I'm no closer to having my credit score and my spouses fixed. This issue is all on US BANK and the lack of concern, plus ability. | ||||||
| 07/23/2017 | Yes |
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| On XX/XX/XXXX, the company XXXX XXXX, parent company of XXXX, processed against my US Bank checking account ( # XXXX ) three charges on behalf of XXXX in the amounts of {$73.00}, {$73.00} and {$73.00}. These figures also correspond to amounts my account was CREDITED by XXXX XXXX/XXXX on three separate occasions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for merchandise I RETURNED to XXXX for credit on my US Bank checking account. AT NO TIME did I authorize any purchases/charges from XXXX XXXX/XXXX corresponding to the charges put forth against my account on XX/XX/XXXX. US Bank deceitfully claimed in a phone conversation and by email that authorization for these purchases was granted, weeks earlier, essentially at the exact same time as the returns. AT NO TIME DID I AUTHORIZE PURCHASES, ESPECIALLY AT THE SAME TIME I WAS MAKING RETURNS?!? That is ridiculous and makes no sense. Furthermore, US Bank can put forth no evidence that such authorizations ever took place. No pending transactions/holds ever appeared on my account, and thus I question whether these purported hidden UNAUTHORIZED authorizations ever existed. Merchants do not, in complicity with US Bank, get to hide purchase authorizations for weeks from bank customers. Furthermore, it must be pointed out that there was not even money in the account to cover the charges on XX/XX/XXXX, and thus the charges should never have been allowed to go through by US Bank to begin with, which also is why there is strong incentive for US Bank to now be lying in this matter and claiming that there, somehow, were authorizations for these purchases, somehow hidden from me, that were granted to XXXX XXXX/XXXX weeks earlier when there was money in the account. Lastly, the items I returned to XXXX XXXX, in the legally separate transactions, are in the possession of XXXX XXXX/XXXX and, obviously, at no time did I authorize a repurchase of the items, a point that will touched on again below. When I contacted US Bank I was told, apparently based upon nothing but speculation, unless US Bank was further involved in the matter earlier, which I will also address below, that somehow the transactions were, in the end, an even wash, as US Bank could not find an earlier purchase history of the items returned that were credited to my US Bank Account. I have been a US Bank customer for much of the past ten years. There is a very lengthy transaction history. US Bank either did not look at the transaction history in any detail before making the snap judgment that the items had no US Bank purchase history or US Bank was lying and had looked at the purchase history earlier and was very complicit in the subsequent, ultimately legally fraudulent, charges against my account, that it also claimed, as discussed above, were somehow mysteriously, and hidden from me, authorized weeks earlier PURPORTEDLY AT THE EXACT SAME TIME I WAS RETURNING THE VERY SAME ITEMS FOR THE VERY SAME AMOUNTS NOW BEING TAKEN FROM MY ACCOUNT. US Bank self-perceived justification for its deceit being its conclusion that somehow unauthorized charges could be placed against my account to balance out earlier returns that, together with XXXX XXXX/XXXX, US Bank was determined to undo on behalf of XXXX XXXX, who I suspect was upset at the volume of my returns. In conclusion : ( 1 ) I never authorized purchases or charges of any kind against my account. ( 2 ) US Bank can present no evidence for the self-serving assertion that somehow authorizations were granted weeks previously. ( 3 ) US Bank can present no reason for why these purported authorizations were kept hidden from me AND AT NO TIME were shown online to be pending, or granted, purchasedauthorizations. ( 4 ) XXXX XXXX can present no evidence, absent forgery, that I authorized any purchases or charges against my account. ( 5 ) XXXX XXXX/XXXX is in possession of the items I returned and, it goes without saying, at no time did I authorize a repurchase of the items, ALSO STILL IN XXXX XXXX ' POSSESSION. There is strong evidence that US Bank is lying in multiple instances in this matter to protect a course of action it took together with XXXX XXXX/XXXX that was illegal on its face. US Bank has been the subject of litigation in the past over its interactions with banking customers, and the manner in which it addressed this situation involving my account demonstrates that there are almost certainly a host of reasons for which US Bank should against be examined closely as it relates to its interactions with banking clients. Lastly, I tried to address US Bank 's fraud in an extensive series of emails and few phone calls with XXXX XXXX, US Bank Case Processor, Phone : XXXX, Fax : XXXX, and ultimately, among other things, had her laugh at me and tell me I could address my complaint with the President of US Bank. I have that statement in writing. | ||||||
| 02/04/2020 | Yes |
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| US Bank in XXXX Nebraska. I had been a customer of the bank since XX/XX/XXXX. In a very good standing. Left to live abroad from XX/XX/XXXXand changed my address when leaving the country for work. They did not change the address in their system. I had no access to my checking account, which had a line of credit attached to it ( for overdraft protection purposes ). I did not receive any statements from the US BANK while abroad, although all my other financial institutions at that time did send me correspondence to the address, I changed it to ( I have a proof of the XXXX XXXX XXXX letter dated XX/XX/XXXX ). During my travels in XX/XX/XXXX I purchased tickets and XXXX auto-charged my account, which brought my checking account into a negative XXXX USD. Since no statements had arrived, no access online, I had not been aware of this. US BANK charged late fees and overdraft protection fees for almost a year without my knowledge and by sending statement to my old address in XXXX. When returning to USA in XX/XX/XXXX ( XX/XX/XXXX ), my former landlord sent all the correspondence from XXXX to me, this is when I learnt that my account had been closed and the amount was sent to a collections agency ( XXXX ). I called immediately and on XX/XX/XXXX settled what I owed ( minus all the fees-since i was not made aware of ) and was assured by the personnel of the firm that this was not going to be reported as " compromised '' to a credit reporting agency. I had to fax receipts and other related documents and a lady re-assured that she was in touch with the US Bank. In XX/XX/XXXX it came to my attention that this US BANK matter is still appeared as " compromised '' on my report. I have been trying to resolve this since then. Submitted numerous dispute claims, in writing, as their Consumer Dispute department automated services does not allow to speak to anybody- except they provide an address in Missouri to send a physical complaint. I did. -No response. I did again in 30 days- No response. I started making phone calls to different departments to finally reach one and the US BANK personnel assured me that she submitted the claim on my behalf, as there was nothing on my file. then 30 days later with no response - I called again and submitted again another claim, as the previous person could not see anything submitted on my file. And this was going on for the 5th time throughout the XXXX. I also asked to change my address already currently in Virginia ( twice! ) to again find out that my address was not changed. Finally, one person admitted that " they have been having some system glitches and problems that's why no address changes have been occurring and no complaint files have been holding on my records. No official formal responses in writing had been made to me until I finally had enough and sent a big shout out on the XXXX Page of US BANK- then only they started responding via XXXX regular mail. I have all the correspondences. They insist on the one fact that i did not change my address. Not only this, they closed my checking account- reported me to the credit agency and turn around and gave me a credit card with XXXX K Limit right away. I still have it. Their CDO Recovery department sent me two letters separately, indicating 2 different amounts I had paid to them ( still did not get an answer why are these amounts different for the same date of XX/XX/XXXX? ) and they insist that I did not change my address to XXXX? XXXX? I never lived in XXXX. Their Consumer Business and Banking Operations Department is not aware of the CDO Recovery Department letters sent to am and asked me to fax them their own US BANK letter. I did. The numerous back and forth correspondence to them and my submitted claim to XX/XX/XXXX recently and XX/XX/XXXX disputes ( 3 times as well ) result in empty US BANK response letters : " you did not change the address and to be fair to other customers, we will not change the credit report ''. How can a consumer as myself be protected from this large hegemony bank and prove that I did submit address change prior to leaving and did so when already inside the country and they did not? How? All I request is that my credit reporting " compromised '' status be changed appropriately! It is obvious that had I been aware of the overdraft, I would have taken care of it immediately - never claimed otherwise. With all different Financial Institutions and my impeccable Credit Score and credit standing, the US BANK destroyed this, and I plea for your assistance and protection to resolve this incident. They are non-responsive, no customer-oriented until you bring mass media into play, their digital systems have glitches, their personnel do not know geography well, they do not protect the customers ( XXXX USD and a person 's life destroyed? ). i appreciate you looking into this case. | ||||||
| 01/26/2024 | Yes |
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| My complaint was with US Bank and the foreclosure of my home. They did not allow me the opportunity to save the home through the pandemic and I still beleive that I legally have a claim against them as their lawyer requested a dismal of the foreclosure judgement but the judge did not act on their request. While I'd love to revisit this as it was unjust after going through the worst phase in my life, including all of my belongings stolen by the the new owner. I have been homeless, living out of my car and still going to work like nothing was wrong. Just as I thought I pulled myself through this, the fallout from this whole ordeal continued to put me on the street. I was just evicted from my current home and again finding myself with no place to call my own. All due to an error in how the bank reported interest paid. In XXXX, I was working with the bank to bring the home out of foreclosure and become current on the mortgage. I had a arranged settlement where the FHA assisted me paying the back payments and added to the end of the loan. The bank completed the transaction and I received my XX/XX/XXXX statement with an ininterest paid of XXXX in change. Based on this, I filed my XXXX taxes and XXXX taxes on the documented interest paid. in both years the the bank stated showed large amounts of interest paid and I figured it was due to the loan amounts added to the note. I filed my taxes like every year of the XXXX interest paid statement. I don't recall ever having issue on this. Anyways, things went south and in XXXX I attempted a bankruptcy to save the home. The attempt failed and I lost my home. However, the bank never reported the interest correctly and of course took the federal money and bounced it in and out of my account. Not really an issues now with the home lost, but the falsified interest paid in XXXX XXXX T given to the irs and the subsequent XXXX XXXX T has caused huge penalties on to me from the IRS. All along I claimed that I had the documents to prove that my reporting to the IRS was accurate with the documentation provided by the bank. Well with al the noise of this I had never gotten the chance to fight the claims made on to by the irs. when the house was taken my documents were all disposed during the eviction process. This error has caused me thousands of dollars in penalties from the federal government and the state of wisconsin. The federal government at least had the decency to let me try and get my feet on the ground but the state of wisconsin not so much. They have forced wage garnishment of 25 % for two years and half years all while putting me back into the financial place I spent the last 10 years. I finally started to act on my recollection of the mistakes and asked us bank to provide the statement from those two months. They did and the amount of transaction of monies in and out of the account from XXXX XXXX to XX/XX/XXXX was mind boggling. However, it shows that I did report the interest payments correctly as they were given to me. This is clear in the 2 year transactional document provided. This justified that I in now way should have been responsible for the audit and fees of over XXXX that both the federal government and state of wisconsin are claiming and burdened me with. The problem is getting a tax professional to even act on this, most are in upwards of XXXXXXXX XXXX to address this nightmare. I understand and of course take some blame for not acting immediately but I certainly don't deserve this financial burden. I have not received a dime of taxes paid and still have an outstanding bill of XXXX to Wisconsin and the IRS a burden that should have been addressed by the bank and the irs in investigating my claims. The mockery of regulation and the huge burden placed on the little guy is astonishing. The banks continue with record earnings while American tax payers are dragged through mud. I am asking for some help in correcting this and letting me out of a home bought right on the brink of the housing bubble and I was upside down from the jump. I am not asking for a handout, just assistance in correcting the huge obstacle of dealing with the IRS and the bank to do the right thing and address the IRS. I have another claim for the same year where another bank piled on and dumped a 1099-C in the same year. Yes a victim of XXXX XXXX and greed of filing 6 years after the sale. These two compounding acts have placed a huge burden on me and I would lie assistance in correcting it. I urge the banks to both do the right thing, and address this issue with the irs. Just to sprinkle some icing on the cake, I am a victim of Identity theft in XXXX a false tax claim was make in mys stead to attempt gaining stimulus money. which now shows the IRS to a grounding halt on helping me with anything. absolutely crazy and I am at wit 's end. | ||||||
| 08/01/2017 | Yes |
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| Beginning XX/XX/XXXX I placed myself in a chapter XXXX to save my home where I payed into the bankruptcy until XX/XX/XXXX before I lost my job. In the event I was being garnished for over {$800.00} a pay which left my family with a revenue of less than {$400.00}. After I had gone through this process I received information on the save the dream program I filled the document requirements out went through multiple classes for this program as well once completed I received a {$35000.00} payout from the save the dream program. Which went towards a loan with U.S bank and in the event the funds came in USBank went back and applied money to the years when I was in an active chapter XXXX bankruptcy when I contacted them about this matter multiple times they stated they do not see where I was in a chapter XXXX. I had my attorney to send them all necessary documents including check numbers from XXXX XXXX the bankruptcy court. They in return never investigated this properly. When I received the documents from Us bank asking me to accept the terms from the funds from the save the dream program threateningly or I would loose them my home I sent forms back against my will because I did not agree with the terms that 's when XXXX XXXX XXXX he is the one that stated I was never in an bankruptcys and that 's the reason funds from save the dream was applied the way they were. I also explained to XXXX XXXX I had not received a statement from them sinc XX/XX/XXXX he stated it 's normal I retained an attorney and I was told differently by him. I purchased the home for {$83000.00} I just received a new modification that states I owe over the amount I purchased for the our home they say I now owe {$84000.00}, and for the life of us we ca n't see how. I have spent multiple hours on the phone with Us bank I have multiple documentation showing that it almost took a year before they sent me info contacted with an outcome the list goes on. Us bank sent me a break down of payments not only unapplied but multiple bogus fees are listed as if someone was coming our home to see if it was occupied which added up to over thousands of dollars when the save the dream funds came in. No one had been here acknowledged that they were here, no of the above. The payment was modified to XXXX for a trial and then they went up after the trial was done to the XXXX which was almost a {$100.00} raise I have the documents to everything I have been through with Us bank and then some. I then find out when the house was purchased it was a foreclosure which I new that purchased rounded out to {$23000.00} and the original address to this house is XXXX not XXXX XXXX. I have asked multiple times for someone to sit down in a branch at us bank to show me details they stated I was not able to do so because they do not house that type of information which we find strange. No one I spoke with could effectively help me with the account over the phone. I also find out I was part of the preditory lendind issue that was going on trumping up appraisals etc and they are now incarcerated with multiple years to complete. I am currently working with a program for help however I was contacted by a representative at Us bank that stated I was not able to get a forbearance because I 'm not working because Us bank just did a modification for me but I 'm FHA, per the documents from FHA and multiple phone calls this is not true. I am a single parent with XXXX children and one job and this is terrible on us bank part. When I signed the documents with the save the dream program he stated us bank was not the hardest lender to deal with I see why now, because here it is I took my neighbor to sign for save the dream check her mortgage went down to {$350.00} I have her witnessed documents as well but she is XXXX and I 'm XXXX is there a difference, I believe so now because that is her mortgage and taxes included just not finance through us bank she is with another lender I will not disclose but it is a bank. I had Us bank to send me a break down from the beginning of the loan to present and legal will have to get involved. The fact that myself and others has sent bulk checks to us bank yet they say I owe XXXX. For this home as if I 've never bad anything is not accurate and I will not be part of pretitorty lending I have a family and this is my life. Everyone that contacts me is a relationship manager that day the next couple days later I receive documents the manager has changed I have every single letter too prove as such. No one has tried to help properly I constantly get the run around or transferred to other departments quickly. There are a lot issues with this matter in which I do n't believe I have space to continue because it gets More complicated. I have re - reached out to counsel and others at this time because I have no other choices. | ||||||
| 06/24/2020 | Yes |
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| As a first time home buyer, I was looking for a house in XXXX. I ended up with XXXX XXXX and they routed me to one of their preferred lenders US Bank. I went with them for pre-approval for signing the purchase agreement with the builder in the month of XXXX. I was given initial disclosure on the loan estimate on XX/XX/XXXX though their promised lender credit missing. For every question I asked, there were no clear explanation given on credits not being applied. The interest rate offered for my credit score was 3.875 % In the month of XXXX, they re-opened my loan file. I kept asking them for the new interest rate and the revised loan estimate to do rate shopping. The lender never gave the revised loan estimate and stopped me from rate shopping. They said my credit score would drop and I would not be eligible for the loan program. Inspite of that I went ahead with rate shopping with one of the other preferred lender of the builder XXXX on XX/XX/XXXX with my initial disclosure form US bank. Immediately US bank ordered the appraisal without giving me any room for rate discussion. I found out XXXX was offering good MI for 3.25 % interest rate. US bank said they can give the same interest rate but never bothered about the MI and also said I will lose my appraisal amount. On XX/XX/XXXX I got the Loan estimate from XXXX and gave it to US bank to check if they can beat the rate and MI. On XX/XX/XXXX, US bank came up with loan estimate with 3.125 % interest rate still with high MI. So I decided to proceed with XXXX and inform the builder the same. XXXX repriced the rate and gave back lot of credits so less Cash to close with a difference of $ XXXXmonth on MI from US bank. In the mean time, US bank kept me in immense stress everyday by not replying emails and answering calls. They said they can not pull the credit report again. If they pull it, then would be able to match XXXX MI.To keep me with US bank, they promised they will give 2.875 % interest rate so that they can match the XXXX MI as US bank MI couldn't be changed. This is when US bank started with the plot. They changed the loan program from 97 % conventional to Home possible from XXXX XXXX.I never knew that it has a income limit. Later understood it was a plot to hook me up with a wrong program under lucrative interest rate. I dropped from XXXX and informed the builder I will be going with US bank. US bank again started playing the games on the loan estimate. Without my consent, they charged points to bring down the rates to 2.875 % and the rate was locked. US Bank management didn't agree to give me back the charged amount in the closing costs. Cash to close kept creeping up and they didn't heed to any of the closing costs concerns. As the bank was preparing all the documents for the closing date XXXX XXXX, On XX/XX/XXXX there was a sudden inquiry in my credit report. I called equifax to see who made the query. They said it was made by US bank. And it was done with no prior information and without my consent. I asked US bank why don't they fix the MI then, since they have latest report. I kept the file in pending status. I was informed the file will be ready on Monday which is the closing date. I asked my wife to take off from her work. There was no reply from US bank on Monday other than underwriter is still looking into the file.No response to emails or calls as usual to keep us under immense stress. I asked my wife to take another day off hoping that it will be completed the next day. There was no response and finally Tuesday evening and said I am no longer eligible for the loan program because of the income limit. So they have to give the interest rate as on date with higher MI than before. I was in deep distress since they said rate lock is not valid under the old program. They said they will check with their management. They never responded back till Friday. I informed my apartment that I will move out in the weekend. They had a new tenant signed for my rest of the lease, so I didn't have any rent obligation for the rest of the lease. With the delay going on closing the loan, I was forced to change the move out date. The Apartment office called me and said, they lost the tenant with change in dates, so its my obligation to pay the rent for the rest of the months. I decided to check with XXXX if they went with right Loan program. They said they have gone with correct loan program and they are still with same interest rate and same MI.I was happy to move with them. Even then US bank instead of giving the promised rate, asked me to cancel XXXX application so that they can close the house with promising any any change in the interest rate/MI/Closing costs. Somebody should stop these kind of unethical practices of US bank and compensate me for the losses and all the stress I have gone through. | ||||||
| 02/01/2022 | Yes |
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| The long and painful process of dealing with US Bank Gift Card Customer and Fraud Services. The packaging states " A XXXX Gift Card is always enjoyed and never returned. '' Out of about 30 Gift Cards I purchased during XXXX, 2 cards were hacked and funds fraudulent stolen. 2 out of 30 ( 6 % ) were hacked. Once hacked it the card is not a joy and was returned to me. Clearly false advertising and their 1st broken commitment. -- - XXXX Two {$100.00} XXXX Gift Cards were purchased at XXXX and activated. Total Cost {$210.00}. XXXX Daughter in Law received cards and attempted to use. Purchases had already been made and funds were gone. XXXX Cards were returned to me, she wanted no further involvement ( after all is was her present not punishment ). I Contact US Bank Gift Card XXXX. Waited on hold for more than 20 minutes. Was promised that cards would be reloaded over the next 10 days. XXXX A {$10.00} credit had been put back on each of the cards not the full {$100.00} ( 2nd broken commitment ). I again contacted XXXX, on hold over 20 minutes. Was told that I would have to have my Daughter in Law authorize my efforts to recover the funds on the card she had registered and wait on hold again. Asked to speak with a supervisor was put on hold for another 20 minutes and was cut off by XXXX. XXXX First complaint to the Consumer Financial Protection Bureau ( CFPB ). XXXX - Call from XXXX US Bank ComplainXXXX Department, XXXX ( XXXX ). The only way is to call the number on the card XXXX. XXXX - XXXX Customer Service. ( 30 minute wait ) Can not help me on the XXXX card since I am not the registered person. Held for Supervisor - 25 minutes, XXXX Despite my Reasonable and justified request, she refused to process further unless my Daughter-in-law was on the line to authorize. XXXX I called US Bank Complaint person, XXXX ( XXXX ). He could not assist me further XXXX - Payment Services. XXXX ( XXXX ) - US Bank Card Services - XXXX - XXXX Customer Service. ( 30 minute wait ) XXXX - Give me 1 minute to tie in my very busy Daughter-in-law. Took 3 tries to reach her. XXXX can not transfer the card rights to me despite my Daughter-in-law specifically authorizing it. We were transferred to the Fraud Department - ( 30 minute wait ) XXXX - Asked if we contacted the Police or the merchants involved. Recommended that we file a police report, provide US Bank Gift Card with written forms, and provide copies of our picture IDs. US Bank does not require this in returning our funds. US Bank practices lost the funds before we could take any actions with the Gift Cards. We are not inclined to waste our or US Bank 's time in complying with further paperwork request. XXXX Received a XXXX Letter of Apology from US Bank in response to my Consumer Protection Financial Bureau ( CFPB ). XXXX Received a XXXX US Bank Dispute - Claim XXXX Resolution Letter for card XXXX. {$90.00} charge was a " error '' ( What? ). Final credited {$90.00} posted to my account. ( WHAT? ). Claim closed ( WHAT? ). XXXX Received a XXXX US Bank DisputXXXX - Dispute Form for card XXXX. Required to submit in 10 days to recover assets. Not a reasonable time frame given our situation. We were told reports were not required to gain recovery ( 3rd broken commitment ). -- - Rigid and senseless Customer Service practices makes the US Bank Card Services Customer Support painful and time wasting. None of the US Bank Card Service contacts provided any indication that US Bank Card had any interest in improving their process issues or adequately compensating their customers for time and frustration. US Bank Card process issues as I and my Daughter-in-law experienced : 1. Card sales practices that allow for such a high rate of Card hacking and fraud. 2. Despite knowing me and the card in the incident, they required involvement of my Daughter-in-law who had registered the card. 3. Their process would not transfer me to anyone higher in the Support chain to reach anyone that had authority to resolve the issue without involving my Daughter-in-law. 4. US Bank Complaint department provided no assistance or relief. 5. A 2-tiered process - first the Customer support then transferred to Fraud Department costing 30 minute waits each for a total of 1 hour. There is no call back in the Customer process, only wait on hold until an agent can answer. 6. They have no expedited process for existing known customers calling back, why should a customer with a current incident need prescreening again. 8. Multiple misleading, if not fraudulent, US Bank statements in writing and verbal. See broken commitments above. 7. Poor Customer retention - No compensation to me for the time and frustration their practices caused. I will be avoiding XXXX Gift Cards in the future and will recommend to anyone else to do the same. | ||||||
| 09/08/2022 | Yes |
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| On XX/XX/XXXX, I called the Associated Bank " customer care line '' at XXXX regarding a statement I had received for my credit card which stated not only that I had a an overdue balance of {$75.00} on the card, but that my account was being assessed late fees on a monthly basis. I was told no associates were available to respond to my inquiry ; I remained on hold for a total of 116 minutes before hanging up without speaking to anyone. On XX/XX/XXXX, I called again regarding the same issue, and was able to speak to a representative after a 15 minute hold. I reported to this representative that the transaction for which late fees were being assessed was fraudulent, not made or authorized by me in any way, and should be struck from my statement immediately in addition to any and all associated late fees or charges. This representative informed me that they would be unable to assist me on my case, as they were not permitted to render decisions regarding fraudulent transactions. I was told by this representative that my case was being handed off to someone in the fraud department, and that someone would call me in 24-48 hours to gather additional information on my case. I never received a call from Associated Bank regarding this issue. Between XX/XX/XXXX and XX/XX/XXXX, I received another paper statement from Associated Bank stating my account was past due, and that additional late fees had been assessed to my account. On XX/XX/XXXX, I called again regarding this issue, stating that I had received no response from Associated Bank regarding my fraud claim. After another hold, the associate I spoke to connected me with a claims manager from the fraud department. I was asked a few questions regarding my claim ; I explained that I did not make the purchase that was overdue on my account, and that I had not had any interaction with the merchant ( XXXX ) for many years ( I can not eat most XXXX products due to XXXX XXXX ). I was told that the issue was resolved ; the charge on my account was fraud and the charge would be removed, in addition to any late fees associated with it. I was told I would also receive documents in the mail that would confirm the closure of my account ( which I also requested ). I did not receive any such documentation, as of XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail from Associated Bank, dated XX/XX/XXXX, which read that ( 1 ) the charge I had reported as fraud was still applied to my statement and ( 2 ) yet more late fees for non payment had been assessed to my account. I immediately called Associated Bank again at XXXX. I explained the situation thus far, and was connected with a supervisor. This supervisor told me that my fraud claim had erroneously been filed as a " dispute '' rather than " fraud '' and was rejected by Associated Bank. I was told that additional information was required to remove the charge from my account and that a representative would be in contact within 48 hours. I expressed my concern that I would not receive this call, given the above history, and requested that communications regarding this matter be exchanged in some form of writing ( for better documentation ). I was told that there are no methods of written communication ( mail, email, etc. ) that I could use to discuss further matters on this claim. I proceeded to ask this supervisor for the contact information for their FTC regulatory authority, with the intention of contacting them to file a complaint. After a brief hold, I was told that no such regulator presides over the bank, and that their contact information was not available. I was told I could send complaints regarding this matter to : Office of the President XXXX XXXX XXXX XXXX, ND XXXX Before hanging up, I also requested that I receive copies of any and all communications sent from Associated Bank to me in the last 6 months, a letter detailing the reasons my claim was rejected, in addition to the methodology used to come to such a determination, and copies of any and all information that Associated Bank has collected on me congruent with FDIC regulations. I was told these would be sent to me ( the supervisor was not specific on which medium I would receive them in ) I feel that I should not be responsible for these fraudulent charges due to the following : ( 1 ) I reported this as a fraudulent transaction to Associated Bank as soon as I saw the overdue statement ( 2 ) Associated Bank improperly filed my claim as a " dispute '' rather than " fraud '' ( 3 ) I was told prior to XX/XX/XXXX that my claim was resolved, my account would be closed, and that no additional monies were due from me to Associated Bank in relation to this claim ( 4 ) I did not receive any corroborating documents related to my claim, it's resolution, or any reasoning behind its rejection | ||||||
| 04/02/2022 | Yes |
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| On Saturday, XX/XX/XXXX of XXXX, I called US Bank Home Mortgage and spoke with an employee whose employee ID is XXXX at ( XXXX ) XXXX. I had called about a notice of default letter received that was dated XX/XX/XXXX. This letter was dated after I had already requested to apply by phone for a VA XXXX Refund Modification ( a loan modification ) to reduce the monthly payment and create a junior lien for the past due CARES Act forebearance amount ( this would move the forebearance amount to the back of the loan ). A previous rep, whose employee ID number is XXXX, offered the VA Refund Modification on XX/XX/XXXX and stated the first payment would be due XX/XX/XXXX of XXXX. When I spoke with the other rep ( employee ID # XXXX ) on XX/XX/XXXX and was just bewildered about why their system generated 2 " notice of default '' letters, along with a letter acknowledging the request for the loan modification ( all letters were dated XX/XX/XXXX of XXXX ), I was told it was a system error, that the code did not process all the way through and to disregard the error. I then asked for a written letter acknowledging that the error was an error, but she stated that one would not likely be sent. This sounded like double talk in that her later statement totally contradicted her first statement to disregard the error. I then asked if I needed to mail in the additional Request for Mortgage Assistance application that I received ( I got XXXX letters all dated XX/XX/XXXX ). I was told no, that it was not needed. I was concerned about the loan modification being denied without a completed XXXX application on file and was told she checked with her XXXX and again that no, I did not need to send the completed application and if anything further was ever needed, they would request additional information ( the XXXX application letter deadline was shown as XX/XX/XXXX of XXXX ). I then read online about something called " dual tracking, '' where the servicer will move ahead towards foreclosure even if a completed loan modification application has been received and is under review. This is supposedly a prohibited practice. I strongly suspect that US Bank Home Mortgage is just running me around by sending me a notice of default by mail, along with a XXXX application, but then verbally stating no, just disregard and do not mail in a completed XXXX application ( I am Executor of the Estate of a deceased Veteran, who had a VA backed mortgage, and I am also the sole heir and successor in interest, who is currently attempting to exit CARES forebearance with a loan modification until I sell the property ). May I file this complaint with the CFPB that US Bank Home Mortgage sounds like they are running me around about the XXXX app in order to avoid being accused of " dual tracking, '' which I read online is a prohibited practice? I fully intend to submit a completed XXXX application and send it back with the Notarized loan modification documents, but I am just stunned that the " Relationship '' management team representative stated that she " checked '' with her " XXXX '' and was sure that no, I should not be sending the completed XXXX application back at this time. I assume that only what they put in writing is valid, as the loan modification documents to notarize may have a " no verbal agreements '' clause along with the clause that the XXXX assumes the cost of legal fees in the event the servicer forecloses. Maybe they want me to assume liability without a completed XXXX application on file and just start sending in the payments while they eventually deny the loan modification and move towards foreclosure. This servicer sounds like they are stringing people along as they step by step begin to move along a path towards eventual foreclosure. Otherwise, why did she advise me not to mail back a completed XXXX application that they sent out to me in the first place? This was a very ethically questionable consultation and I wanted the CFPB to know right away what was going on. I have also written to one of my Senators from the State of Illinois to suggest that both of my Illinois Senators start convening a committee and hearings to scrutinize how these mortgage servicers are handling post CARES forebearance exits so that Veterans ( or their Estates ) can successfully retain the home through a loan modification ( even if just long enough to sell the property in the Spring real estate market ). Regardless of the eventual outcome of the case, it is absolutely outrageous to be sent an application by mail, with a deadline on it, but then get told that there is no need at this time to turn in the completed Request for Mortgage Assistance application that would likely protect against foreclosure while the loan modification is under review. Just outrageous. Consumers beware. | ||||||
| 09/15/2022 | Yes |
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| This complaint is in response to the inaccurate information provided by Elan Financial letter dated XX/XX/XXXX where they still state merchandise never received or delivered by XXXX XXXX was received. Their own words. Elan has an inadequate dispute resolution and investigation process as evidenced by our recent experience see complaint # XXXX. Letter signed by XXXX indicates " On XX/XX/XXXX we denied your dispute claim as we determined you received the services rendered '' which is false. Complaint : Elan Financial XXXX XXXX XXXX has a flawed/inadequate dispute resolution process which disregards information provided documenting erroneous transactions where merchant failed to provide services/merchandise purchased. Cardholder rights are consistently ignored as investigation only considers evidence of purchase rather than were goods and services actually provided! Via the CFPB portal I received a response to complaint # XXXX from Elan Financial Services dated XX/XX/XXXX which contains false information. From their letter currently on portal On XX/XX/XXXX, we denied your dispute claim for XXXX in the amount of {$1900.00} as we determined you received the services represented in the transaction. We never received the gazebo and it was not installed by XXXX which was the basis of the charge back. In spite of my many attempts to communicate with Elan Financial dispute staff as outlined in my prior correspondence and complaint # XXXX, Elan never considered the cardholder rights to receive credit for merchandise never received. Our experience with Elan was so heinous we actually had to travel from residence in XXXX XXXX NC approximately 150 miles roundtrip to XXXX XXXX NC XXXX XXXX on XXXX XXXX to personally obtain credit for gazebo never delivered by XXXX in amount {$1900.00}. When we presented our request and information to XXXX at customer service desk, very same information previously provided to Elan, she apologized profusely and quickly provided credit. Elan dispute staff ( my records indicate XXXX, XXXX and XXXX XXXX would never listen to us or consider same information which is very troubling. My requests to have dispute escalated were ignored. XXXX, at XXXX XXXX, further commented that due to consistent problems with vendor, XXXX XXXX no longer does business with XXXX XXXX. Had Elan ever taken the time to contact either XXXX or XXXX XXXX they would have learned same information and should never have denied our request for credit. Instead, Elan staff stated we are relying on MasterCard to resolve dispute hiding behind their failure to protect cardholder rights! Elans only information they made this erroneous decision with was a receipt of purchase of gazebo dated XX/XX/XXXX. Purchase of merchandise was never in question, delivery to XXXX XXXX and installation by XXXX was the issue. Merchandise never received! Why would XXXX, independently of Elan, issue us credit in the amount of {$690.00} on XX/XX/XXXX if the merchandise had been delivered and installed? Those facts in of themselves document merchandise was never received by cardholder. And yet on XX/XX/XXXX Elan reversed the provisional credit saying the dispute was resolved. Really? Further insult in the XX/XX/XXXX response to prior complaint said XX/XX/XXXX decision to reverse provisional credit was we received the services represented. In spite of compelling documentation Elan blatantly ignored cardholder information substantiating cardholder rights. The only way we actually received the credit we were entitled to was a long drive to vendor site since Elan Financial staff ignore cardholder documentation. Elans blatant lack of consideration and regard for cardholder rights is truly astounding! A quick review of current CFPB database reflects 362 consumer complaints. A review of XXXX XXXX XXXX website reflects 1,165 complaints in just the last 12 months for Elan and a rating of XXXX out of XXXX. XXXX XXXX reflects a current rating of XXXX out of XXXX stars for Elan. The most recent complaint on their system was no protection from unauthorized charge just 2 days ago. I guess no one should be surprised! I am formally requesting the CFPB initiate an investigation into the failed dispute process currently in place at Elan Financial as their current practices in no way protect cardholder rights. I am maintaining all of the records and documentation to support this most recent unacceptable cardholder experience and would gladly answer any questions regulatory staff might have along these lines. As a former XXXX XXXX XXXX with Federal Reserve Bank, 5th District headquartered in XXXX, VA I have not seen such mishandling of consumer/cardholder rights. Elan management needs to be held into account for inadequate investigations by dispute personnel ignoring cardholder rights. | ||||||
| 01/27/2023 | Yes |
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| To : PCFB From : XXXX XXXX XXXX RE : US BANK XXXX XXXX - Violation of Truth in Lending Disclosure Act - failure to disclose correct interest rate " cap/ceiling '' during due diligence in choosing financial product from XX/XX/XXXX to XX/XX/XXXX I have attached : - Detailed/summary chronology of events with supporting document references, from XX/XX/XXXX when I began due diligence in managing my current HELOC -- - through to today, XX/XX/XXXX. - files containing key emails - the original cover letter complaint submitted to XXXX XXXX, VP US Bank - XX/XX/XXXX Meeting summary As of today, my case is being forwarded to the US Bank Wealth Management ( WM ) Loan Escalation Department following a XX/XX/XXXX meeting with the VP XXXX, however I do not know who that is ( person, position, contact information ), have not been able to find that contact information on their website, and have not heard from anyone formally to this effect - I have only a text from my business banker who has tried to keep the complaint moving forward. Starting in XXXX of XXXX I began due diligence in finding the best financial vehicle to replace my then HELOC ( $ XXXX ) to avoid inevitable increasing interest rates ; I wanted to lock in or cap my interest rate at the then low rates. I was told I had an interest rate cap of XXXX % on my current HELOC for 10 years ; I confirmed that information by follow up email and decided to stay with my current HELOC believing that the interest rate would not go over XXXX % [ I recall it was XXXX, but can not find my notes from the meeting ]. In XX/XX/XXXX, I contacted my personal and business banker about getting an increase in my HELOC to $ XXXX to cover home improvements ; terms were reviewed by email. My personal banker recommended, " reworking [ my ] current HELOC and increasing the limit. I was referred then to the Wealth Management dept. and they handled finalizing my application ( they later acknowledged there was no " hand off '' of information about terms, etc ), the appraisal and the closing. The XXXX representative did not review terms with me at any time until the XX/XX/XXXX closing during a verbal review. When discussing the " variable rate '' terms, I asked, " What is the interest rate cap ; I couldn't find it in the agreement? '' The XXXX rep answered, " Its essentially the same as your current HELOC '' I stated, " I want to know exactly what it is. '' She stated she would look it up and get back to me within the grace period [ if it is different than my original HELOC ]. She did not communicate that to me until I asked again, XX/XX/XXXX, she answered a day later, " My research indicates that it is 18 % ''. I learned later this is the XXXX XXXXXXXX mandated ceiling, which was not stated to me with either HELOC. Since that learning, I have worked with my business banker as advocate to determine what had happened. The list of activities are detailed in the attached file, and references supporting emails. This information ( including copies of all email exchanges referenced in the chronology ) was provided by me in email to the XXXX XXXX on XX/XX/XXXX. I have not had any communication from her since a XXXX phone conversation. My business banker scheduled a meeting on XX/XX/XXXX with the personal banker, the XXXX rep, the VP and I included my personal Financial Advisor who attended as witness, observer and note taker. See detailed meeting summary. My complaint was forwarded to the Wealth Management Loan Escalation Dept. but I know that only through a text from my business banker who now is no longer involved ( not his dept. ). I can not find the name, contact information for this dept. It is roughly three weeks since I was told someone would contact me and I have had no communication from US Bank. Given that I am eight months in process, having experienced delays, failure to return calls, respond to emails, etc., I am not confident that US Bank is going to resolve my complaint. The impact : after diligent effort to secure low interest HELOC/loan terms with US Bank as a high performing customer for over 20 years, being a reliable businessperson ( XXXX in finance ), a college professor teaching economics and finance for 7 years, a C-Suite healthcare executive for XXXX XXXX, and a reliable historian ( 99 % recall of meetings ) ; my interest-only payments have gone from {$600.00} to {$1800.00} ( 9 % ) when I thought/was told I was in a HELOC with a XXXX % cap for 10 years. I am filing this complaint to secure CFPB external proctoring of US Bank process, lacking an internal advocate or contact. If necessary, I will need an attorney whose scope of practice includes this issue. Key Players : Personal Banking Officer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX : XXXX XXXX XXXX XXXX - XXXX XXXX | ||||||
| 05/14/2021 | Yes |
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| From : XXXX XXXX To : O.C.C., WA DFI, WA DOL, WA AG Re : US Bank, Account # XXXX To whom this concerns, Please find the attachment that accompany this Complaint. This will provide the detail of the activities, supporting documentation, and actions taken to date in regards to this Complaint. I Disputed the account noted above, among others, with the Consumer Reporting Agencies, ( CRAs ) XXXX, XXXX & XXXX, which then evolved into a Direct Dispute with US Bank. Their response was followed by my filing a Dispute with the Consumer Financial Protection Bureau, along with all supporting documents, Finally, it contains, US Banks response to that CFPB Complaint. Here I use the word response very consciously. With the recognition that to date US Bank has refused to Reply to the issues Ive presented. In that, a Reply requires US Bank to respond and directly Reply to the information and documentation presented in each case. Instead, US Bank has chosen to simply avoid and fail to reply to the details presented within each Dispute/Complaint, even though each of these demonstrations are in fact a verifiable and reliable matter of record that is both true and correct. Simply said, failure to address and reply to the information Ive repeatedly provided US Bank with is now clearly a conscious and deliberate decision on their part. One that would seem, to any causal observer, demonstratively Intentional. It is these Intentional actions that I will be addressing here. In each case, beginning with my original Dispute filed with the CRAs, all correspondence has been sent by USPS Certified Mail. The information contained in these Disputes was developed by the information contained in the XXXX XXXX XXXX, XXXX, Merged XXXX XXXX Report requested by my Mortgage Lender on XX/XX/XXXX. ( Please see attachment for reports drawn on bothXXXX & XX/XX/XXXX, respectively ). The information was clearly demonstrated in each Dispute filed with the CRAs. I specifically stated, I recently applied for a Home Loan and was denied. On examining the detailed information contained in the attachment youll find that US Bank has shifted from one distinct set of information, to yet another completely different set of information. The information provided by XXXX was and is representative of the other two CRAs in their Investigation Results in reply to my Disputes. In each case, the two different sets of information are simply incomparable, one to the other. This then is the differing information that US Bank has repeatedly refused to address and reply to regardless of my demonstrations of record. It is common knowledge that in the months between XX/XX/XXXX XX/XX/XXXX Internet Rates on Home Mortgages had increased appreciably. Causing me to incur financial harm that US Bank has consistently refused to recognize and/or reply to. Apparently in the failed belief that if they dont reply to this harm it will simply be ignored by both myself and my Mortgage Lender. This disparity of information has now extended the time before I can reasonably qualify for a best case Home Loan out to XX/XX/XXXX as a result. Whats clear to a casual observer is that there is now a great deal of information thats been exchanged between myself and US Bank, whether indirectly through the CRAs or Directly between myself and them through the CFPB. In response to my Direct Dispute US Bank claimed on XX/XX/XXXX that ; We reviewed the information and determined that the information submitted to the consumer reporting agencies is accurate. Only to restate the same by saying in response the CFPB on XX/XX/XXXX ; We reviewed your account and determined that ( all ) reporting to the Credit Bureaus is accurate. This is where the detail of the disparity of the information in each case is noted and documented by myself. While US Bank consistently, consciously and deliberately refuses to acknowledge these plain and overwhelmingly obvious disparities. They are leaving the average Consumer to wallow through all of their information to absolutely no avail. US Bank gives the appearance that they maintain a position that they can simply overwhelm me, as an Individual. In fact, they choose to do business in the same State I live in. Which contains millions of potential, and a large number of actual, customers. This is what brings me to this specific Complaint. In my continuing efforts to bring a sense of redress to the clear and convincing harm done to me, the average, individual Consumer. It has become both plain and obvious, from US Banks consistent actions, they simply have no regard whatsoever for the Federal Regulations in place to address this exact type of Corporate abuse. Leaving me no choice except to escalate these problems to both a National and Statewide concern and review. Regards, XXXX XXXX | ||||||
| 06/10/2017 | Yes |
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| At XXXX XXXX I received a call from XXXX XXXX XXXX. ( No clear match per XXXX ) and talked with a male that stated that trying to serve legal documents to me at XXXX XXXX XXXX in XXXX mn. ( I lived at that street address in XXXX mn, at XXXX XXXX. ) They said they located a possible other address XXXX XXXX XXXX XXXX XXXX in XXXX mn ( is a blend of previous addresses ). I informed him neither is correct and would not give my address. I obtained the number XXXX XXXX XXXX and " case number '' XXXX At XXXX I called and heard an automated message that the XXXX is not active. I called the XXXX number back and got a disconnected number message. rediailed the XXXX number at XXXX XXXX from my previous call list. I talked with XXXX XXXX, with " XXXX XXXX '', he tried to obtain my address. I said would not provide because I could not find them online, and explain the strange call from an unknown party, he explained is dispatch company and because I refused to update my information I was referred here. He gave the last 4 of my ssn to verify. I confirmed. I was told they attempted to issue a complaint using certified mail. I told him of how old the address is, and that raising red flags. I asked what was regarding, he said is from US bank, and was not given a balance or any detailed info. He said I would have to contact the bank and provided my account number ; XXXX. No phone number was given. I said I have not had an account with us bank for about 10 years. He said I would need to contact them to get the information for where they sent the file to. I called my local bank and provided the case number, my account number and an explanation of why calling, they could not locate an account. I asked for banker to call me back. I took call at my work number from XXXX at US bank. She could not locate the account and said to disregard the collection call and is probably a spam call. I called XXXX XXXX XXXX and spoke with XXXX XXXX, I told them that they could n't locate any information. He said would need to talk with bank manager. I said too many things are raising red flags and would like validaton of the debt. He asked for my address, I said would provide my email address. He said can not send info certified, and would n't know if is received by me. He put on hold, then took my email address. He stated that will note that refusing to provide valid address information and that " will continue with proceedings '', I asked if really just said that on recorded line, he confirmed and repeated. I called the XXXX number back at XXXX and XXXX XXXX picked up, stated is with a different company, he would n't take my address info or write down the questions I had for XXXX. I asked to tsfr but not to XXXX. he transferred me to XXXX XXXX, he took case number, I explained could n't find his information online, he said can find that there are no BBB complants and that can find them on secretry of state website. I tried to give a XXXX XXXX to mail the validation of debt to, he refused to take it stating that can not send certified to a XXXX XXXX . I said can not send certified to an email.either and would like sent to the XXXX XXXX. He explained that I had 45 days from the date of the letter sent to the XXXX address in XX/XX/XXXX this year, and that because I did n't respond at that time would want a valid address. He stated was trandeferred from XXXX XXXX XXXX ( could not locate online ), and the bank would have the information to contact them. I tried to give the XXXX XXXX address again, he refused to take the information. I asked if is refusing to take the address to send validation. He hung up. I called back XXXX number, a female answered ID litigation department. I gave my case number and asked to speak with a supervisor and not to XXXX, explained how wouldnt take info. was transferred to XXXX XXXX, he would not let speak and said that will file harassment. I called again, XXXX picked up, I would n't ID myself and asked to talk with someone else, he threatened that would inform law enforcement that refusing to provide id. I gave my name, he would n't let talk again and hung up. I called again, told him it is not illegal to refuse providing identification, gave name. He 3 way called XXXX XXXX police department and said wants to file harassment charges against me for calling his office repeatedly. The officer obtained information that the company is from California, and the phone number is XXXX XXXX XXXX and that a deputy would call back. I tried to give my information to the dispatcher but XXXX had disconnected the 3 way call. Never was a mini Mirada read, and was not told on every call that the line is recorded. I have since been in contact the XXXX and gave my side of the story. They can be reached at XXXX XXXX XXXX to confirm. | ||||||
| 02/23/2018 | Yes |
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| I currently have an active mortgage with XXXX XXXX XXXX XXXX. Since origination of loan the company has had my taxes, and insurance in escrow. I have trouble in the past ( when loan first began ) with payments to insurance companies however I am filing a complaint on my most recent issue. We obtained a new insurance provider ( XXXX ) on XX/XX/XXXX due to lower premium. XXXX XXXX XXXX XXXX was contacted at this time and I spoke to the escrow department to notify them of the change in companies and that they would be receiving a statement for payment from new company and to please pay accordingly. My previous home owner 's insurance ( XXXX XXXX ) was cancelled. XXXX XXXX sent notice to mortgage company along with refund of unused policy to XXXX XXXX XXXX XXXX. I received a notice in the mail from XXXX a few weeks ago stating my policy was not paid and if the policy was not paid by XX/XX/XXXX it would be cancelled. I notified XXXX XXXX XXXX XXXX escrow department immediately. I was informed that they never received a statement and was instructed to have them resend statement and provided me with a current fax number in which to fax to. I contacted my agent immediately and provided information in which policy and statement was faxed. My agent contacted me today to notify me that my policy was cancelled as of XX/XX/XXXX due to non-payment. Upon contacting US Bank escrow department again I was asked for XXXX 's information and that they would process a payment however it would take 3-5 business days - which meant I would have to continue with no coverage on my home. I requested they call XXXX and provide payment over phone so policy may be reinstated immediately and I was told they can not do that. I then asked for a supervisor. The supervisor stated that they received the policy information from XXXX on XX/XX/XXXX but a payment was not made as my policy was paid up through XX/XX/XXXX - despite it being a different company and the US Bank being previously notified of cancellation with XXXX XXXX and receiving a refund from XXXX XXXX. I asked to have my account removed from escrow and that I would go pay for the policy today out of my pocket to ensure coverage and I would manage payments for insurance and taxes. I was told I could not do this without having to pay. I requested US Bank pay this fee due to it being a result of them not paying my policy that caused me to be delinquent and have a laps in coverage. I was continually told they could not do that nor could they pay the policy any sooner than what I was previously told. I then asked for a higher supervisor. After being on hold for prolonged period of time I was to be called back by higher supervisor to discuss issue as higher supervisor ( which I never spoke with ) was trying to determine if they could mail payment faster. I was required to go into my insurance agent office today and make payment to have coverage reinstated. In addition to my policy premium of {$1100.00} I was also required to pay an additional {$200.00} due to policy placed into effect XX/XX/XXXX but never paid. After returning from agent 's office, I reached out to XXXX XXXX XXXX XXXX again to notify of increase in premium due to cancellation of coverage from non payment and request again that they remove my account from escrow at no cost to me. I was informed that they will over night payment of {$1100.00}. I informed representative that an additional {$200.00} had to be paid due to cancellation of coverage with no response, attempt or offer to adjust payment amount. I requested again to have account removed from escrow. I was instructed again I would have to pay a few for this and there was nothing more they could do to remedy the situation. I have a job and family in which I do not have 4-5 hours in a day to remain on the phone with a company having to notify them of their error and when policies need to be paid. US Bank agreed to manage my insurance policies and tax accounts when account was places in escrow, I should not have to contact them several times to submit payment as it is their responsibility. I should also not have to pay policies out of my pocket to ensure coverage is reinstated and I am not without coverage when I make a payment every month to US Bank for escrow. What would happen if I happened to not have the funds available to make a payment - I would just have to be ok with my home not being covered until a payment is made and processed from US Bank? What would then happen if within that time frame my home is compromised in which I need to utilize homeowner 's insurance policy - whose fault would it be then? My insurance company gave US Bank more than one option to pay today however US Bank stated they could not pay over the phone as payments had to go through a process. | ||||||
| 04/13/2018 | Yes |
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| Date of Application : XX/XX/XXXX Date of Approval/Documents Signed ; XX/XX/XXXX Lender : U.S. Bank, XXXX, Wyoming Branch, XXXX XXXX XXXX, XXXX, WY XXXX Branch Manager : XXXX XXXX XXXX Branch : XXXX Initial Loan Officer : XXXX XXXX ( No Longer with U.S. Bank ) Type of Loan : U.S. Bank Business Quick Loan Note and Security Agreement with XXXX XXXX XXXX Amount : XXXX XXXX 2nd Loan Amount : {$19.00}, XXX.XX To Whom it may Concern ; Initial Refinane Loan application was submitted to this U.S. Bank branch on XX/XX/XXXX. Loan was approved XX/XX/XXXX. Subsequent documents were signed on this day. NUMEROUS calls were made to the initial loan officer from both our business number and cell numbers regarding updates concerning the vehicles titling & registration concerns. Loans were transferred/refinanced to this XXXX, Wyoming Branch from a credit union in the state of Alaska so a new title and registration needed to be issued. As of todays date XX/XX/XXXX we have yet to receive title transfer information on this vehicle. We are currently paying on the loan as of XX/XX/XXXX and the bank has not provided us with new titling documents to update the state in which it should be registered. Tags and plates have not been issued and we have been asked by the local police department to obtain current tags and license plates for the vehicle with Alaska plates. A police officer documented this on XX/XX/XXXX. After receiving the warning on the ticket issued by the officer we again contacted the bank and requested to speak in person to the branch manager. The branch manager assured us the paperwork would be handled in a timely manner and that the loan officer who initiated our loan was no longer with their branch. The larger of the loans is an additional commercial vehicle thats Wyoming tags were set to expire on XX/XX/XXXX and we voiced our concerns with the loan officer that the loan be processed in a timely manner. Unfortantely as of todays date XX/XX/XXXX the vehicle has been out of service because of expired tags since that date with no update on the titling and registration with the state of Wyoming. We were told the process to update the information with the state of Wyoming would take up to 10 days. It has now reached 45 days. This vehicle is a work vehicle and has now been out of service because of expired tags since XX/XX/XXXX. Commercial Insurance costs have been paid on this vehicle for our business use and we have been unable to operate our company with it. We have Now been paying on a loan since XX/XX/XXXX thats paperwork was initiated on XX/XX/XXXX on a vehicle that can not be driven because of expired tags and on a vehicle with out of state tags that are now ticket worthy according to the state of Wyoming Police Department. We have sent emails to this U.S Bank branch that have gone unanswered and have made several calls and left messages that have not been returned. The only updated response we have gotten has from the branch manager regarding any updates stated ; BRANCH MANAGERS EMAIL sent XX/XX/XXXX ; Attached is the POA that would be required for both vehicles. This is in order to finish processing the titles since technically the business owns the vehicles. I would need two ( 2 ) original copies signed and notarized for both vehicles. This Power of Attorney was taken to and reviewed by our business attorney. We were told by both the bank and our attorney that is was for the purpose of the bank titling and registering the vehicle for us. OUR RESPONSE ; After waiting over 45 minutes at the local branch and being told the branch manager was expected to arrive and never showed we emailed the following ; We dropped the notarized release form for the titling/registration of the XXXX this morning. Placed them on the seat at your desk. Can you email to confirm that you received rhem. Thanks! BRANCH MANAGERS RESPONSE ; Yes I did get those, thank you! I have them going down to get processed tonight ... It does take our back office up to 10 business days. I will keep my ear to the ground and let you know when everything has been taken care of so you can get the cars registered. WE RESPONDED ; Wasn't the purpose of signing the power of attorney to have you as the bank register the vehicles? Wasnt that the whole point of signing the power of attorney? As of XX/XX/XXXX The email has gone unanswered. Numerous attempts to resolve this issue including several calls, numerous visits in person and emails that have gone unanswered has resulted in us filing a complaint as we have a right to proper and timely lending practices. The proper paperwork to legalize the use of these vehicles in the state of Wyoming after finalizing a loan on XX/XX/XXXX should be expedited by US Bank and their associates. | ||||||
| 05/03/2017 | Yes |
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| I got a cashier 's check from my friend, XXXX XXXX , at his bank, XXXX XXXX , in XXXX for a painting he thought was a good buy. I was intending to take my wife and child and fly to get this painting, as {$43000.00} is " a lot '' of money to us all. I told XXXX , " my concern is, what if our plane goes down, or we 're hit by a bus, how would you get your money back ''? I was concerned that my estate would n't believe that he was owed anything. So, we thought about it, and came up with the idea that if we put " XXXX Collection '' on the notes line of the cashier 's check, then at least, he would be entitled to the contents of my XXXX safe, which would come close to covering his loss, if something unfortunate happened. Since then, I started buying art for XXXX , when I came across deals he liked, so I deposited the Cashier 's check at US Bank on XXXX / XXXX / XXXX . The lady gave me a form and said that only $ XXXX would be available and the other $ XXXX would be available in XXXX . When I asked if she could call the manager at XXXX XXXX , she said, " no, this is a standard hold ''. Yesterday, XXXX said he could wire another $ XXXX to my account, since he was about to lose his auction items, that I won for him, since US Bank was taking too long. We went to Wells Fargo , and a lady named XXXX XXXX helped us, and said, Does USBank know they are violating RegCC rules by holding a cashier 's check? I said " I do n't know, maybe we should go ask them ''. She gave me her card, we left XXXX XXXX XXXX ID XXXX , and went to US Bank at XXXX XXXX XXXX . I was standing in line with XXXX , and thought I should ask someone in a cubicle, since this was n't an issue for a teller window. The man sitting there, identified himself as the bank manager, and I said, I just came from XXXX XXXX and they wanted to know why you are violating RegCC rules and withholding funds from a Cashier 's check from my friend 's account, who 's standing right there? I told him, " I have the card from XXXX XXXX , who said they 'd be happy to clear anything up ''. I also said, " this feels so wrong, do I look like a criminal or something? '' He said, no, I will help you, but can you give me a minute, I said " sure thing '' and joined my friend XXXX in line. I said to XXXX , " I ca n't believe we 're going through all of this, when we have a simple transaction ''. He agreed. At that moment, an angry XXXX XXXX approached a window and said, " can I help you '', looking at XXXX . He pointed at me, standing right next to him, and she looked angrily at me and said, " what do you need ''? I slid the paper with the hold they gave me through the window and repeated " XXXX XXXX wants to know why you 're violating RegCC rules and my constitutional rights to withhold my money? Immediately she said, maybe you should sit down and come back when you 're calm. I looked at XXXX and said, " have I yelled or said anything in a threatening manner ''? He said " absolutely not ''. I looked at her and said " I 'm not yelling or being aggressive, I 'm just asking you " why '' my funds are withheld. This is wrong. She slid the stuff back through and refused to help me. As we turned, the manager asked me to his desk. I told him what I was told at XXXX XXXX and he looked in his computer, and said " we have a right to hold checks of any kind for XXXX business days. I asked, " why would XXXX XXXX tell me that this was a violation? He said he did n't know. I asked again, did I do something wrong, is it my gray beard, do I look like some kind of criminal, what is this? He said, " it 's nothing like that ''. When we left, XXXX said, " I 'm concerned that that angry XXXX lady is going to report something on you, like you 're some kind of threat or something ''. I said, " Can she do that, even thought it 's not true? '' He said, " I think so ''. That is when I went home and called USBank corporate number and had them note what happened. And now, I 'm filing this form. I do n't want someone, like XXXX XXXX , to cause a problem with my banking account, my future with this great country, or homeland security, all because she needs some kind of personal counseling and decides she does n't like the fact that I ask tough questions and wrongly decides she needs to " Teach me a lesson ''. I did nothing wrong, I did n't swear at anyone, I was n't yelling, I was n't threatening, I was simply asking why they are holding clean and clear funds from my account so long and causing me to lose thousands of dollars on items I won at auction. I did nothing wrong and need protection/assurance that this person ca n't take out her problems on me. Thank You, XXXX XXXX XXXX | ||||||
| 08/23/2023 | Yes |
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| Previous Complaint number that I've filed with you and you closed because US Bank stated they were returning my money they owe my via a Cashiers Check, and when I called today, they still have NOT closed my account or returned my money that is owed to me. The CSR states they can't contact the Fraud department for details. This has started over a month ago! I really need my money returned to me ASAP. The previous case number is filed with you is - XXXX See complaint below : I have 2 banks I bank with. 1. XXXX XXXX 2. US Bank I deposited a mobile check for {$1000.00} to XXXX XXXX on XX/XX/XXXX, it sent me a message on XX/XX/XXXX after mobile deposit that it was rejected due to the date being incorrect. My client had accidentally put the date as XXXX. She corrected and initialed it, so I redeposited the same day and it rejected again. ( I have proof of this on my mobile banking app from XXXX XXXX. So, since it rejected twice at XXXX XXXX, I decided to go ahead and mobile deposit it at US Bank, which accepted it. However, Unbeknownst to me, on XX/XX/XXXX XXXX went ahead and accepted it, so they deposited it into my account. I of course had already also deposited it into US Bank on XX/XX/XXXX since XXXX showed they rejected it. US Bank, then debited it from my account since it cleared through XXXX XXXX. Which I am totally fine with. I had enough XX/XX/XXXX, XXXX XXXX Complaint Detail https : XXXX XXXX XXXXXXXX XXXX money in my account so it didn't go negative. I believe my balance AFTER the {$1000.00} deduction was at {$3900.00} in my business account. Which, I was closing since I know longer have that business. I had opened a personal checking and savings with US Bank, and was trying to transfer my business balance into my new checking via XXXX. Next thing I know, my account was frozen by US Bank and in the Fraud department on XX/XX/XXXX. That department which you can only reach through phone, would not give my any information and I was told there was no time frame on which they had to return my money or and that they also had the discretion to not return any! So, I went into the local branch and spoke to the Branch Manager, who was very helpful, I showed him All of my documents showing how XXXX XXXX rejected my deposit twice, but then 2 days later accepted it. He emailed the fraud department asking for the hold to be removed on XX/XX/XXXX ( the same date I went in to see him ). He called me on XX/XX/XXXX, saying that unfortunately the fraud department rejected his request and they'd be closing out my account and sending me a check in a few days ( I saved this voicemail ), so then I emailed him on XX/XX/XXXX asking if he could please provide me with an ETA, he said he contacted them again via email, and they told him what they told me, they had no specified time on when and if they would return my money. I then called US Bank fraud department on XX/XX/XXXX, and she researched it for me and said it's actually another department handling it ( she said the " closing department '' ), and she said their last notes on my account dated XX/XX/XXXX, said they were investigating it, there was no specified period on closing or returning my funds. The note also stated, that it would be returned by cashiers check through the mail IF there was any funds to send! I can't even reach that department that supposedly is researching my account to talk with them. That XXXX also told me I would be receiving notice in the mail stating the same thing. I've yet to receive anything after more than 2 weeks. Yesterday, I received a notice in the mail about the {$1000.00} debit which I already was aware of, BUT in that same letter it stated they were looking into a deposit I made on XX/XX/XXXX in the amount of {>= $1,000,000}!!!! I of course have this notice for proof that US Bank is the one in error. They are the ones that did something on their end. So it appears they flagged MY account for that very large transaction. I've never ever had that kind of money in my life. Nor did I ever make a deposit in that amount! I am just trying to get back my {$3900.00} that I worked very hard to save. I've never bounced anything at US Bank and always had money in it. In addition, the personal checking and savings I had opened online had an initial opening deposit of {$100.00} in checking and {$75.00} in savings. They are denying me that {$170.00} as well. Again, I opened those personal accounts because I closed my business, and was going to transfer the business balance into my personal accounts I had just opened. Due me : {$3900.00} from my sole owner business account, {$100.00} from my new checking and {$75.00} from my new savings. Please help me. I have attached documents supporting my statement. Thanks, XXXX | ||||||
| 12/08/2022 | Yes |
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| On XX/XX/22 we purchased 5 - {$100.00} Prepaid Visa cards taken from the back of the stack like we always do at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX, WY. On XX/XX/22 we tried to register those cards on the prepaid visa website. For 2 of the cards, it worked but for 3 an error message popped up that there was a problem and we needed to contact customer service. The card numbers are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. We called Prepaid visa, XXXX, and discovered that the cards had already been compromised, someone hacked into their system and tried to activate the cards this caused the cards to be considered compromised, we found out later that this happened on XX/XX/22, which made the cards useless. We asked what we needed to do to get our money back. We were hung up on many times and it was a very long process that took hours to get any information/help from them. We talked to multiple agents the first one is unknown he would not give his name and when we kept asking, he hung up on us. We did talk to XXXX, XXXX, XXXX and XXXX, to this date ( XX/XX/22 ). When asked about getting our money back all of the agents were not very forth coming in with information. They would not give us a straight answer by changing the details and kept changing what we should/shouldnt do. One agent said we were to do nothing but to wait and see if things cleared up on their own, one said to take the cards back to XXXX and get a refund, a few said to request another card. The ones that mentioned about getting another card were not very clear on the procedure nor were they helpful. It was said that the process could take at least 7 14 business days and that there was a fee to get another card. I asked why so long to get any resolution and that their system had been hacked and there was fraud going on but they refused to comment on that. Earlier this year we had the same kind of problem with Prepaid Visa and it took them over 6 months, numerous phone calls, multiple letters being send and faxed to rectify it. We had to report them to Consumer Financial Protection Bureau ( Complaint number XXXX ) and with U S Bank National Association ( case # XXXX ) and have a separate physical check sent to get that issue finalized. The letters we send with the information Prepaid Visa requested kept getting lost by them or they said they couldnt read them ( which is interesting since they quoted information that was only in those letters ) and the faxes we send they kept denying they received even though we had a Transmission Verification Report that said the fax was sent and received. We were also assured that the issues with Prepaid Visa had been taken care of. This past Friday ( XX/XX/22 ), XXXX was having a deal where if you purchase certain gift cards you would receive XXXX the fuel points. Since we are wanting to visit our daughter, granddaughter and new granddaughter we took the chance to purchase the Prepaid Visa cards to use for the trip, to give as a gift and to use the fuel points to help with the cost of gas. We purchased the Prepaid Visa cards hoping that their issues had been resolved. We were VERY wrong. Nothing has changed in fact it has gotten worse. Last time we were able to talk to supervisors and the fraud department to try and resolve this issue. This time the agents refuses to let us talk to a supervisor and says there is no longer any access to the fraud department. They also refuse to give us any type of verification that anything is being done. They say there is no reference numbers, no case numbers, no email or any other tangible documentation for us to verify their story on what they say is being done or will be done. We are being left without proof or backup to support whats happening on their end. In our defense I do have the receipt from XXXX with the Activation Receipt, the physical cards and the original packaging that they came in. We are asking for Prepaid Visa/U S Bank to send us a physical check in the full purchase amount of the Prepaid Visa Cards which comes to {$310.00} ( ( {$100.00} x XXXX ) the amount for each card + ( {$5.00} x XXXX ) for the processing fee charged to us for each card ). We would prefer more due to all the trouble we are having to go through to get all of our money back. Plus now with all the issues of having to go through to protect our identities and Prepaid Visa computer system being hacked has now compromised our personal information our time should be compensated for. We are filing complaints with Consumer Financial Protection Bureau, Federal Trade Commission and the Wyoming Attorney General. If you have any questions or need any more information, please free to contact us. Thank you, XXXX and XXXX XXXX | ||||||
| 08/02/2018 | Yes |
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Web | Older American, Servicemember |
| On XXXX XX/XX/2018, I received an alert to two charges made to my US Bank credit card in the amount of XXXX each. I immediately contacted the bank and informed that those charges were not authorized by me. As you will note from the attached documentation, the charges were made while I was on business outside the US. I do not deny that I was in that particular establishment nor do I deny that I did authorize charges to the card, but I DID NOT in anyway authorize charges that equal the USD equivalent of {$7000.00} each. The bank made two cases out of the charges ( case numbers are reflected in the attached correspondence ). Based on my contact, the bank reversed the two charges pending the outcome of the dispute process. When I returned back to my home in the US, I received a letter that had arrived in my absence requesting information on the dispute. I sent a fax ( XXXX XX/XX/2018 ) with a letter explaining what had happened. The fax was sent within the timeframe provided in the letter from the bank, but they did not acknowledge receiving it and reversed the charges. I called and advised that I had timely responded and they researched further and found my fax and again credited my account for the two charges. I received a second letter ( related to the second case that the bank made ) requesting information to which I sent another fax response ( XXXX XX/XX/2018 ) with some minor clarifications to the letter I initially sent. I attempted to call the caseworker so that I could provide additional explanation to the letter, but only received a recording. I then called the toll free number and was informed that I would receive a call within 1 - 2 business days - I did not receive a call. I did not record the date of that call, nor did I record the dates of at least one other call attempt to which I received no response. On XXXX XX/XX/2018, I received a letter dated XXXX XXXX advising that the bank was unable to resolve the matter. On XXXX XXXX I faxed an appeal to that decision and also send the letter by certified mail. To this date, I have received no written response to those letters - the fax cover sheet shows that the fax was received and the USPS verified that the certified mail was delivered. I advised that I would be out of town for the next 30 days and would appreciate a phone call or email to confirm receipt. On XXXX XX/XX/2018, I called the toll free number to discuss the case and was advised that I would receive a call back in 1 - 2 business days. I did not receive any calls. I called again on XXXX XXXX and XXXX XXXX each time being promised a call back. On XXXX XXXX, I attempted to call the caseworker but again only received a recorded message with her office hours ( I was calling within those hours ) and left a message for a call. I also called the toll free number and requested a call. The bank indicates that they have attempted to call me on two or three occasions, but no such efforts are reflected in my mobile phone 's call log. On XXXX XXXX, I did manage to speak with the manager of the fraud section who advised that my case was closed because once the dispute has reached 30 days, they can do nothing further. There is no evidence that they attempted to do anything to verify the charges, but are simply relying on the fact that the card was swiped - as is noted in the documents attached - I do not dispute that the card was swiped nor do I dispute that the club manager is the one that swiped the card - in doing so he input amounts I did not authorize nor did I agree to nor was I aware of - the fact that I went back the following day upon notification of the charges should evidence of that - also the fact that I researched to determine the transaction numbers so they could find the charges in order to reverse them should also be evidence that I did not agree to these charges. I did finally receive a call on XXXX XXXX from a phone number that rang and when I answered it was an automatic dialer that did not respond to my hello ( three times ) and the line finally disconnected. When I tried to call it back, I got a message that the number was not a number on which a call back could be made. I called the toll free number and after they researched, they indicated that the call was made by a caseworker named XXXX and her phone number is ( XXXX ) XXXX. I called and left a message informing that I had not received any response to the call and the line was then disconnected, so it was not possible for her to leave a voice message. I have not received a call back ( didn't leave a number, but left my case number so they have my phone number ). At this point, it is very obvious they have no interest in helping resolve my dispute, so am requesting your assistance. | ||||||
| 12/27/2018 | Yes |
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| XX/XX/2018 I tried pulling money from an ATM but wasn't successful. I called the 24 hr number on back of m card had an 11 min conversation with the bank, told my daily limit exceeded wait til after XXXX Early XXXX ( after XXXX ) I attempted to use ATM card it said couldn't read card, so I attempted again three more times and was not successful. I looked on the app for US Bank and noticed that all ATM attempts showed pending with ATM fee included that concerned me so I and my husband called bank back? We were told they could see we attempted to pull the money and that are cards were locked on ATM withdrawal. Not to worry it would work itself out and our cards were unlocked.We tried once again the XXXX and few times again on the XXXX. More pending withdrawals. Had another 11 min conversation was assured the pending charges would not go thru. XX/XX/XXXX, three {$200.00} and three {$100.00} was taken from our account. XX/XX/XXXX {$140.00}. XX/XX/XXXX. {$200.00} Debited. We waited by advice from bank that it would fix not to worry. We thought it would especially since we were actually in contact with bank and said it's noted we didn't get money that they see the cards blocked. We opened up a dispute after seeing nothing done and our money was pulled out We have attempted since XXXX to get our money and the bank gave us the run around since they learned I have a XXXX XXXX they have used it against me done everything to try confuse me changed the dates, told us they never received a report for calls which I faxed copies I kept plus copy of our phone bill for proof we called. Now told it's past the 60'days. The entire time I have called requested transcripts of the calls for proof been denied and given the run around! Told they audited the ATM money was pulled but our cards were locked and how would it go thru? They should of been on top of this from the start when we first gave concern it was pending. We were given the run around and received a letter last week they won't investigate it's been past 60days. There is nothing to investigate the recording calls would prove we didn't get money. I feel they are stealing on purpose and taking advantage of my having a mental XXXX XXXX that I have overcome. The bank credit us for fraudulent drink charges but not for ATM. I want the {$1300.00} ATM fees additionally charged back. I'm considering a class action law suit with other US bank customers but would like to just have money that they took or let taken out after calls made back in forth. Also my husband and I are victims of Identity Theft have police report fraud report from federal trade commission.. Yesterday, XX/XX/2018 I received a letter now with a different story stating that they have been un contact with the owner of atm machine and again denied. The copy which will be included in this complaint was readable until the actual proof they claim to base their decision on. It's so small using my cell phone camera to view I'm unsure if all charges claimed are what their implying is mine. Or if other peoples numbers were too included for example. There are two that is ours that show declined which is what happened when we attempted to get money from ATM. Called the number on back of our card and told the see where we attempted to get money and did not due to a lock on our cards. These were dates on XX/XX/XXXX. A {$300.00} and {$100.00}. Which on US Banks end shows {$300.00}. {$100.00}. The XXXX they yet to review which would be an addtl {$300.00}. After receiving the letter yesterday and being denied numerous times for the transcripts phone calls made by myself and my husband to the US Bank fraud prevention dept on the XXXX. XXXX, and XXXX. I know US bank is at fault maybe a technical issue. Computer glitch ( we were told that on our phone calls the XXXX of XXXX. USBank has done everything possible to not pay us the money back. To actual accusing us of lieing to changing dates to ignoring or denying communication with their own dept that would validate what we have said to be true. I'm requesting immediate payback of {$100.00}, {$100.00}. {$300.00}, {$300.00}, {$300.00}. Usbank security dept failed to secure our money even though we were in communication the time this was happening and assured it would work itself out. Since then my husband and I have other disputes due to becoming victims of idenity theft which I will be filing additional complaints after this complaint. Please help us to get the money Usbank has of ours and help that no one else has to experience being treated as thieves just because we have low balances they feel that they can lie : and treat us badly with no recourse. Thanks, XXXX XXXX And XXXX XXXX Today is Wednesday XX/XX/2018 2018 | ||||||
| 05/31/2023 | Yes |
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| I went into The US bank and spoke to XXXX. She informed me that my account was closed out because i owed {$20.00} on it they let run to be a larger sum. They worked with XXXX XXXX and XXXX XXXX Police Officer XXXX and XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX California. They stole my handbag on XX/XX/2021 at the XXXX XXXX XXXX parking lot. They turned it in at the XXXX Police Department almost a week later once they copied all my credit card numbers down to clone. They sent me fake mailers in the mail from alleged credit card companies so as to illegally have all my credit cards cancelled. This was to cut me out of money so i couldn't pay bill so that XXXX XXXX could get her hands on my inheritance money she stole behind my back by bribing alot of court, lawyers and public officials. It can easily be tracked by the Arizona car dealerships. There are hundreds of cars that were purchased with my stolen identity i did not authorize any of them. DMV and XXXX staff all in on the organized crime. At the same US bank XXXX XXXX XXXX XXXX XXXX lawyer also kept an account there in my name. The money in there was been disbured out to whoever you can pull security tape footage on. It was not me. My neighbor XXXX XXXX XXXX and her XXXX XXXXXXXX XXXX husband have been living off my stolen workmens comp. I reported XXXX XXXX XXXX to the XXXX XXXX XXXX back in XXXX. They got bribery money as well and shut down the investigation. An XXXX from XXXX XXXX called me but sounded like he was recording me and a sham. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX all paid XXXX XXXX a XXXX from XXXX XXXX to steal my phones imei number to block my communications and run money romance scams in jail via XXXXXXXX XXXX XXXX money wire transfers in my name and credit card fraud. They are using military security clearances to hack into the local cell tower in XXXX XXXX and blocking my communications with lawyers, banks, and other important people i need to speak with. They also used their access to the local cell tower to bounce my call to US bank customer service to a telemarketing center scammer who stole all my info from my front and back of card. She never helped me with resetting my online bank account. it was all a set up to steal my card information. When i reported it stolen a few weeks later they order me a new one. Almost 2 months pass i have not received my card yet. When i went to inquire at the XXXX XXXX US branch, XXXX told me it never arrived because they closed my account. This police officer XXXX and XXXX XXXX have been intercepting my mail with help from XXXX XXXX XXXX. She is the XXXX XXXX XXXX XXXX and also worked at XXXX XXXX. This needs to be forwarded to the IRS and The US Postal Inspectors. If you look online hundreds of people all over the country have also never received their stimulus money as well. They are getting assistance from XXXX XXXX XXXX XXXX XXXX XXXX an d if questioned by authorities he is witness to these crimes and more. He is also the one helping these folks pull of the hacking and rerouting by abusing his job position. XXXX XXXX and his roommate both are military and abusing their security clearances. They are re-routing IRS documents printed at the local library to his XXXXXXXX XXXX in Utah. Police officer XXXX is pretending to be married t me. That is false and fraudulent. The power of attorney is also fraudulent. These area career scams artists. they pull scams and fraud all over the country. Look at my XXXX XXXX XXXX in around XXXX i posted all the fraud they perpetuate through the postal service and via hacking into cell towers stealing phones information. They probably learned all this hacking at the military to rip off banks. Notable hacks include XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and others. Another law group they used to steal from me was XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX were also stealing from me through a XXXXXXXX XXXX account. XXXX XXXX is anther lawyer stealing. Then we have XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX ALSO FALSIFYING DOCUMENTS AND STEALING FROM ME AND OTHER CLIENTS. The accounts are in my name with joint account so the thief " fake husband '' could steal out of it. there XXXX be other accounts there. That is ehy they have been stelaing my mail out of teh post office and mail carrier so i wouldnt find out about the fraud. My neighbo at XXXX XXXX XXXX XXXX gets the mailman XXXX and others to hand deliver tehy mail they steal from me. Other witnesses are the XXXX XXXX XXXX who runs prison scams and the others who live at XXXX XXXX XXXX XXXX. The electrician that install XXXX XXXX cameras inside home for XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX all in XXXX XXXX AZ XXXX. You can send investigators there. | ||||||
| 03/09/2023 | Yes |
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| I am alleging a UDAAP regulatory violation in connection to a promotion offered by US Bank. Below is a summary of my communications with US Bank. Some of the dates listed below are approximations. In XX/XX/XXXX, I received a promotion offer from US Bank to receive a {$500.00} bonus if I opened a checking account, set up direct deposit and met some other qualifying factors. The promotion offer included a promo code that indicated it needed to be entered directly on the application. In XX/XX/XXXX, I applied for a checking account with US Bank and entered the promo code that I was provided. I was approved for the account and shortly thereafter I contacted US Bank to ensure that the promotion was applied to my account, that I was eligible for the promotion and that I just needed to satisfy the rest of the requirements ( such as certain direct deposit thresholds ) to receive the bonus. In approximately XX/XX/XXXX, once I had sufficient direct deposits made to my account I contacted US Bank to confirm that the promo was still applied to my account, that I was eligible for the promo and that I had satisfied the requirements. The US Bank representative confirmed all my inquiries in the affirmative. Further, the US Bank employee indicated that there had been some internal problems at US Bank in paying out this promotion and that the representative would need to submit a manual request to have the payout sent to me. After doing this, she indicated that if I did not receive the bonus within a week to call back. After a week I had not received the bonus so I called US Bank again. I asked the agent to confirm that the promo applied to my account, that I was eligible for the promotion and that I satisfied all the requirements, in addition to the details the previous US Bank agent had told me. This US Bank agent confirmed all my inquiries in the affirmative and indicated that US Bank would not be paying out the bonus until the bonus promotional period had ended. At the end of the promotion period I would receive the bonus. I also received a letter from US Bank indicating that the bonus would be paid out on XX/XX/XXXX. On XX/XX/XXXX, after not receiving my bonus, I contacted US Bank and asked the agent to confirm that the promo applied to my account, that I was eligible to receive the bonus and that I satisfied all the requirements. The US Bank agent, again, confirmed all my inquiries in the affirmative and indicated she did not know why the bonus was not paid and that further investigation was needed. She indicated she would get back to me within 3 days. On XX/XX/XXXX, I received a voicemail from US Bank indicating the promo would not be paid to me because they could not find evidence that an email offer had been sent to me and that the terms and conditions of this promotion require that the promo be sent directly to recipient. On XX/XX/XXXX, I called US Bank about the voicemail I received, and the US Bank representative indicated that they could not find record of sending an email to me with this direct offer. I indicated that I did not recall if I received the promotion via email or direct mail but that I had received the promotion from US Bank and I had used the promotion code with no issue during the application process. The US Bank agent did not provide further assistance on resolving my problem or why prior US Bank agents had all confirmed that the promo was applied to my account and that I was eligible. On XX/XX/XXXX, I had a final conversation with a Customer Care Unit representative who reaffirmed that the promotion was applied to my account but that it would not be paid out because there was no record of directly marketing this promotion to me. The representative admitted that they reviewed the calls that I had made and that all the US Bank representatives had improperly told me that I would be receiving the promotion. I was also told that there is currently no error message that is set to appear if someone enters an invalid promo code during the application process. In summary, during the application process I entered the promotion code that US Bank provided to me into the application itself. At no point did I get an error message indicating that the promo code was incorrect, that it had already been used, or that I did not qualify for the promotion. Further, numerous US Bank agents confirmed that the promo was applied to my account and that I was eligible for the offer. Eventually, I met all the requirements to satisfy the promotion requirements. Based on the above information, US Bank has engaged in unfair, abusive, and deceptive acts and practices regarding this promotion in violation of the UDAAP regulation. | ||||||
| 09/27/2018 | Yes |
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| THE FIRST TIME I COMPLAINTED U.S. BANK ( please take a look ) : Hi there, I am an XXXX XXXX holding a XXXX " XXXX '' Visa. I opened a checking account with US bank in XX/XX/XXXX when there was a promotion. I told them that I am an XXXX XXXX Visa and gave them my foreign passport, I-20 Form to let them make copies. In the meantime, I also submitted my W-8 Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. Then, in XX/XX/XXXX. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. According to I.R.S, a Non-Resident Alien student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a foreign student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX XXXX, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a XXXX XXXX as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen. U.S. BANK ANSWERED MY COMPLAINT : We reviewed the situation and confirmed you did attempt to submit a W-8BEN after the account opening ; however, each time it was received it was incomplete or we required additional information. Unfortunately, we have not received a valid W-8BEN to remove the interest withholding on the account. Therefore, the {$56.00} Federal Interest withholding that was reported in XXXX to the Internal Revenue Service ( IRS ) can not be refunded. If we receive a valid W-8BEN, it will stop any interest withholding going forward. For assistance with completing the W-8BEN Form, please visit your local branch. U.S .BANK ARE LIER : They just simply lied about what happened. They accused me not submitting a valid W-8 form, which is complete a lie. I submitted the exactly SAME W-8 form to so many banks, e.g. XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX. And why, on earth, th/ey all accepted it as a valid form, except for this " exceptional '' bank -- U.S. Bank?! Now, let 's back a little bit. Let 's assume their lie to be hypothetically " true '', which could not happen at all. Why did nobody from their bank tell me about that?! They have NEVER contacted me, even once. Every time, it was ME who tried to contact them and solve the problem, no more than 10 times, and nobody told me anything except the same excuse '' please wait patiently, we will call you back ... '' How sweet they were! Haven't hear them back for nearly 1 year ... Now they finally gave me a " answer ''. I thank them for making such a " perfect '' excuse. NOW, U.S.BANK CHARGE ME AGAIN : O MY XXXX! U.S.BANK charge me again!! Last time they charged my checking account {$56.00}, they didn't refund to me. This time they charge my saving account {$12.00} again in XX/XX/XXXX. when i opened account, I already did what i can do, I filed a valid W-8 Form so many times, which other banks accepted it as a valid form, except for this " exceptional '' bank -- U.S. Bank. SO right now i truly don't know what else i can do, i just want my money back ... .. | ||||||
| 01/04/2023 | Yes |
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| This is getting really old. What do I have to do to get someone to take this issue seriously? What happened is the same thing I have complained about countless times to you. The last complaints I filed were, XXXX and XXXX. There were many before that. You sent me an email saying the issue was closed and the company responded. No the issue is not closed and no, the company did not respond. You are doing nothing to assist or facilitate the problem here and US Bank Reliacard is doing nothing to return my stolen funds to me. They did not respond to my dispute now, and they have not responded to my dispute before. I keep telling you this. US Bank Reliacard owes me for my disputes that involve a government issued, ID verified, payroll card from the Kansas Department of Labor. My card was stolen without my knowledge or permission. My card was used at an ATM, at a credit union I am not a member of, nor do I use their services. I have provided my GPS locations on the days in question proving I was no where near when the stolen card was used. I have witness statements that verify I was no where near when my stolen card was used. A sworn affidavidt! I did not make these withdrawls. The very first time I filed a dispute with US Bank Reliacard, they denied my dispute without providing a valid reason. They instead offered me a monthly statement, which I already have many of, and made a blanket statement that did not provide any information what so ever. I have requested the documents they used in their decision making process and again, I get nothing but a monthly statement. This statement is not evidence of anything other than the transactions I did make, and the transactions I did not make. US Bank Reliacard continues to provide me no explanation, no evidence, and has yet to answer a single question I have asked them. To add insult to injury, US Bank Reliacard has gotten even lazier about addressing the issue by not addressing it at all. Yet again, on my last dispute, US Bank Reliacard did not even take the time to look over any of my evidence or documentation. Instead, I received a copy of the monthly statement and the denied dispute letter, that was a copy of the denied dispute letter and statement from the time before, which was a copy of the original dispute letter and statement. Do you follow what I am saying? They are not looking into anything but instead just printing out the same garbage they have always sent while continuing to avoid this problem. I am furious! Make them provide me evidence. Make them answer my questions. Hold them accountable already! If you can not do that I fail to see what, if any, purpose the CFPB serves. Do you just take the complaints I write here and mail them to US Bank Reliacard or what? Is there a real live human being at the CFPB, that can call a human being at US Bank Reliacard, and ask them to answer my questions? Those questions again are : XXXX. In what way does US Bank think I benefitted from the fradulent ATM withdrawls? XXXX. What evidence does US Bank hold that puts me in the location of the fradulent ATM withdrawls? XXXX. How can US Bank derive a pattern of use at an ATM, which I have not used, other than the pattern being that I have not used the ATM at that location? XXXX. What specifically does US Bank Reliacard claim to possess that is evidence that these were not fradulent ATM withdrawls that occured after the theft of my government issued payroll card? XXXX. Why does US Bank Reliacard not have to adhere to the customer agreement we had in place? XXXX. Why does US Bank Reliacard feel that they can violate regulation XXXX by denying me provisional credit when the agreement states they have XXXX days to make a decision without issuing credit, when the response to my dispute took them 26 days to reply? The next questions are for the CFPB : XXXX. Why do you allow US Bank to continue to avoid these questions? XXXX. What precisely has the CFPB done to address any of the complaints I have lodged against this criminal organization posing as a bank? XXXX Who is in charge at the CFPB? How do I contact them? XXXX. Do you ever read the responses that US Bank Reliacard has provided me in the past? XXXX. If so, why have you not noticed that they are in fact not providing answers to my questions? XXXX. Why do you continue to allow this? XXXX. Why is it okay for US Bank Reliacard to just print off more copies of the same old monthly statements, over and over, and call that a valid response? For the love of XXXX, do something about this already!!! Do your job, and if this isn't your job to facilitate this matter, direct me to someone who can do the job for you. | ||||||
| 08/02/2022 | Yes |
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| I utilize XXXX via my U.S. Bank checking account to transfer money from time to time. On Sunday XX/XX/XXXX at XXXXXXXX XXXX, I received the following text message, from what I though was U.S. Bank as it stated : " U.S. BANK ALERT : Did you use your debit card at : XXXX XXXX XXXX {$19.00} DECLINE XX/XX/XXXX? XXXX XXXX, {$3500.00} DECLINED XX/XX/XXXX. If you recognize this activity, reply YES If not, reply NO. STOP to end alerts. '' I replied " NO. '' Then received the following text, " Your debit card will be locked due to suspicious activity. A fraud specialist will contact you shortly. '' Minutes later my XXXX rang, showing the real US Bank phone number of XXXX. I didn't answer the first call, as I was in a loud area but they called right back with the same number, showing as US Bank. I answered the phone and the man identified himself as being with the US Bank Fraud department and asked me about the charges, I told him that both were invalid and shouldn't be put through. He told me they would need to cancel my debit card and would issue a new one via XXXX that I could receive regular or expediated delivery free of charge. I asked for expediated delivery, he asked me if I wanted to require a signature at time of delivery, I stated no. He then said that because the XXXX charge was via an independent app ( XXXX ) not US Bank, that he could not reverse the charge but would walk me through how to do it. He instructed me to go into XXXX and reverse the charge by creating a new XXXX recipient called " Reversal System '' and gave me the number to type below to reverse the funds, I had to type in the {$3500.00} amount. I followed his instructions which ultimately send the funds to the scammer. I kept checking my US bank checking accounts for the funds to come back and as they hadn't by the next day, XX/XX/XXXX, I started calling US Bank. They told me I'd have to talk to their fraud department and transferred me, but there was no answer from the fraud department ( I assume because of the bank holiday. ) I called again and told the representative I needed to talk to someone and no one was answering that line but the transferred me back to the same number and again no answer. The following morning, Tuesday XX/XX/XXXX, I called US Bank fraud around XXXX XXXX. I spoke to someone and explained the situation and she informed me that I was scammed, that it was not US Bank calling me and that I actually sent the money to the scammer versus reversing the fraudulent charge and said they would open an investigation and that I needed to go to the US Bank branch in XXXX, KY to close my checking accounts and open a new one. I went to the bank in tears as {$3500.00} was basically all of my money. The associates at the bank asked me to come back later in the afternoon and then they could help me close the account and open a new one. When I came back I worked with XXXX and XXXX XXXX the branch manager ) who both informed me, US Bank would issue me a provisional credit of {$3500.00} within 10 business days while they completed the investigation. I never received the credit so I began calling and emailing the branch after the 10 business days. They told me they would check into and let me know. On XX/XX/XXXX, XXXX responded to my email saying the credit was denied and she would try to find out more. I have not heard back from her since. I also received a letter in the mail from US Bank dated XX/XX/XXXX, stating, " On, XX/XX/XXXX US Bank Digital Claims Services received a claim for a funds transfer that posted to your account ending in XXXX. The information of this transaction is listed below : Claim Number : XXXX Payee : XXXX XXXX Date of Transaction : XX/XX/XXXX Amount : {$3500.00} During our investigation, we determined the transaction posted as requested ; therefore your claim has been denied. '' Although, I realize the scammer tricked me into actually sending the money, I thought I was speaking to US Bank who was instructing me how to reverse the charge. I know that they know this is a scam because less than a week later when I went into XXXX via my US Bank app, the following alert showed up in XXXX " Be on alert for scammers. US Bank will never ask you to send money to anyone, including yourself. '' US Bank also sent out mass emails stating " As more and more people use mobile payment apps, the number of scams is growing. Heres what you can do to keep your personal information safe. Look out for this. Fraudster sends you an email or text asking for confirmation of a payment. You reply, I didn't make the payment. Fraudster may then call you pretending to be the bank or business, maybe even using a fake phone number. '' | ||||||
| 08/24/2022 | Yes |
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| This all took place starting around XX/XX/22 until present ... .I received balance transfer offer from US Bank in the mail. I used it to pay off my XXXX XXXXXXXX XXXX XXXX I called US Bank to ask why it was returned, I talked to three representative 's there. The first one said she was not able to identify me with the information i provided. I gave her everything she asked for. She sent me to her manager the manager asked me the same questions, i was able to answer all of the questions again. She stated she was not able to verify me. Now I was getting frustrated and I asked for her manager who asked me the same verifying questions which i was able to answer. They were rude mean and the last manager turned off my US Bank Credit Card and cancelled my Promotional checks. She said i will need to go to a US Bank to verify myself. The closet bank to me is 1 hour away. So the following week i called the US Bank Credit Card # back and talked to XXXX he asked me to verify i did and he said he will send me the security code to my phone to verify me and it worked. I told him what happen the week before. He said no need to go the bank i verified you and will turn your credit card and checks back on. He said to mail in the check for the offer i wanted and it will be fine. they don't accept electronic transfer balances you have to mail the offer check in. So i mailed it in to XXXX XXXX XXXX. ( ( ( ( ( ( ( a week later i got a call form a lady she said she was from the corporate office with US Bank and stated she listened to the 3 people who spoke to who couldn't verify me and apologized over and over for their bad behavior and for them turning my XXXX credit card off and my offer checks She stated they should not have done that to me they could have sent me the security link to my phone like XXXX did and that they would all be addressed about the matter.. She stated she is going to issue me a XXXX credit for the incident. I told her how well XXXX had treated me and fixed me right up. She stated she knew XXXX personally they had worked together many years ago but she now works at corporate office. ) ) ) ) ) ) ) So like I said I mailed the reduced interest offer check to XXXX XXXX XXXX and a week later it was returned from the bank they wouldn't honor it. XXXX XXXX XXXX said they were shutting my card off due to dishonored check 's presented to them and my other 5 credit cards with XXXX XXXX were turned off by XXXX. I receive 5 letters notifying me of this process. I called US Bank Back asked for corporate no one would give me the phone #. I tried to look it up online and was routed all around. Finally i opted to call the credit card line again and told the representative what had happened she issued a check directly from the bank to XXXX XXXX XXXX I gave her the address and told her they shut off my cards due to this issue and i was very upset. I called XXXX XXXX and talked to XXXX he is a supervisor to handle issues like mine - He stated i need US Bank to send XXXX XXXX a letter stating this was their fault and they will look into restoring my credit cards. - Again I called US Bank got a XXXX type guy i could barley understand and i told him what i needed he said he could not hear me and hung up on me. I was done so i am now filing this compliant. I have a XXXX card - XXXX in credit -- XXXX card XXXX in credit- XXXX XXXX card i was using for my medical treatment with almost XXXX credit on it. my XXXX XXXX card with XXXX credit and my XXXX credit card with XXXX credit all cancelled because of really the start of the mess is the 3 women who would not do their job correctly is what started this domino effect of a nightmare i am going through now. I am so upset i order all my necessary stuff from XXXX 's because i have XXXX XXXX XXXX XXXX XXXX XXXX XXXX thru their store plus closest store is 1 hour away. now i can not use my XXXX 's card or get my rewards for purchases or gas purchases. you can check i used it every week or two sometimes more. I can not use my XXXX store card no rewards on my purchases any more using a different card of mine i still shop at both places but no rewards free shipping etc. My XXXX XXXX card i was using for doctors bills interest free is now shut off all because of US Bank and the worst of all i have been with US Bank for 30 Years never an issue now they got my whole life flipped upside down. I have all the letters XXXX has sent me the rest of the offer letter checks from us bank and i know they can re pull the calls to review they have done it once. -- -- -I attached XXXX XXXX fax # for us bank to fax a letter stating this is their error and call them at XXXX to resolve | ||||||
| 09/19/2019 | Yes |
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| XX/XX/2019 An online payment was submitted for {$9600.00}. That payment was pulled from our account twice, but only submitted once. On XX/XX/2019 at XXXX XXXX the following message was sent : I went through the process of paying off this card today ( about 2 hours ago ). I do not see any transactions showing up in pending and no funds have been withdrawn from my checking account. Can you please confirm things went through as expected? Its concerning to have no record of a transaction show after a couple of hours. Thanks. ate : XX/XX/2019 Message # : XXXX From : Cardmember Service Subject : Payment not showing up Message : Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your Visa account ending in XXXX. Online payments made before XXXX XXXX. CT will be credited for the same day. Online payments made at or after XXXX XXXX. CT will be credited for the following day. Your payment will appear in the transaction details the morning of the second business day. To view, delete, or edit your scheduled payment ( s ) online, follow these steps : 1. Click on the Payments link. 2. Click on the View Payment Schedule link. 3. Click on the appropriate link to edit or delete a payment. Our records indicate that two payments for {$9600.00} each posted to your account on XX/XX/2019 and viewable online as of this morning. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX Cardmember Service Advisor On XX/XX/2019 at XXXX XXXX the following message was sent online : I paid off my the balance of this card on Friday. It appears you are ( or will be trying to ) take the payment twice. As I only submitted the payment once, I have to believe this is a mistake on your part. DO NOT TAKE THE PAYMENT TWICE. PLEASE CANCEL THE SECOND TRANSACTION. From the transaction export : -- -- -- -- -- -- XX/XX/2019 CREDIT INTERNET PAYMENT THANK YOU INTERNET ; XXXX ; XXXX XX/XX/2019 CREDIT INTERNET PAYMENT THANK YOU INTERNET ; XXXX ; XXXX -- -- -- -- -- -- The information I can see about these two transactions is shockingly lacking, but again, the SECOND TRANSACTION SHOULD BE CANCELLED. Please provide confirmation when this is complete. Thanks. Date : XX/XX/2019 Message # : XXXX From : Cardmember Service Subject : payment taken twice Message : Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your Visa account ending in XXXX. We apologize for the delay in this response. Our records show another one of our representatives has addressed this matter. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX Cardmember Service Advisor On XX/XX/2019 I called and spoke with a gentleman about this. He said it would take 3-5 business days to resolve. I asked to speak with his manager. She advised me is could be 15-17 business days to resolve. I was very upset. She offered to do conference call with my bank XXXX XXXX to make sure the payment cleared my account twice. We did that. Confirmed it cleared. She said she would expedite the request and this would be resolved in 3 business days. XX/XX/2019 I called this morning @ XXXX XXXX ( Arizona ) and spoke with someone who said the notes indicate money may not arrive until the XXXX of XXXX. I asked to speak with his manager. XXXX got on the phone and was not to provide any additional assistance. I asked her if we could reach out the the " research '' team that was responsible for releasing the money. XXXX said no one has that teams contact number and there was no way to reach them. That is when I asked to speak with her manager. Waited on hold for several minutes and was told her manager would need to call me back at a later time. I asked XXXX if I would be able to go into a US BANK and get cash out for the amount. She said yes and told me she would waive the fee associated with it. I told her I would be doing that today. She gave me conf # XXXX. After I took the confirmation number she informed me I could only withdraw {$3500.00}. I asked why I could not get the full amount and she said that is all that is allowed and her manager would call me back. I am frustrated and mad. How can they sit on my money without offering me any hard facts about when and how I can get this money back. The timeline and facts seem to be shifting and the customer service is lacking. No one seems to care that I am out the money but more that I am a bother for wanting it back. This is not how banks should treat their customers especially when I paid the card off. I just want the amount that is mine returned in a timely manner and skip this run around. DISAPPOINTED AND UPSET. | ||||||
| 11/09/2020 | Yes |
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| When I opened my account with US Bank, I did so during a promotion. If I signed up for online banking and mobile banking services, set up direct deposit totaling $ XXXX within 60 days, I would receive a {$300.00} deposit into my account. I am on Social Security XXXX, and when I called to set up the direct deposit with them, they informed me that the direct deposit might be delayed due to the outbreak of coronavirus. I set it up anyway, and then called US Bank and told them about the delay and I was assured by the banker that the promotion would still be honored in spite of that. I began calling to find out about when the money would be deposited as soon as my second direct deposit was final. I was told at that time that the bank still had 60 more days to complete its obligations under the promotion. Fine. In the meantime, I have had overdraft after overdraft after overdraft, 27 last time I counted. The overdraft is a separate issue, and I am going down to the branch as soon as I am done filing this complaint to speak with the manager about those. I called in appx. two weeks ago regarding the promotion money, and was told that I met all the requirements of the terms and that the money should have been deposited in XXXX, as agreed. I was told to give the bank a little more time and see if it would be deposited. That banker combed through the terms of the promotion and then combed through my account to see if there was a reason for me not receiving the promotion. She could find nothing. I then waited as was instructed and called back on XX/XX/XXXX, and the first person I spoke to also combed through the terms and my account and again, could find no reason. I was transferred to several different people, and after spending 73 minutes on the phone, and insisting I speak to a manager or someone with autonomy to get this situation remedied, the last person I was on the phone with disregarded my request to speak to a live manager and sent me to a voice mail instead. This infuriated me, yet I still left the message to have whomever it was that I left the message for, to call me back. Didn't receive a call. I called back on the fourth and was speaking to a manager, but got hung up on again. I called back and spoke with another rep who continually repeated information that wasn't applicable to this situation, and repeatedly asked to speak with someone with autonomy to remedy the situation. After the bank and forth for nearly 45 minutes, a manager got on the phone XXXX XXXX XXXX, who was very helpful, and addressed that the situation couldn't be handled that night. I was told that she would personally look into the matter and get back to me. I informed her that my phone had recently been turned off, so I would have to be contacted by email. In all, I spoke to appx.20 customer service reps and two managers before receiving an email from someone named XXXX XXXX who hoped I was having a wonderful day only to then tell me that US Bank would not be depositing the {$300.00} into my account because I was six days past the deadline for meeting the direct deposit requirements. Not only am I feeling cheated, I am concerned with why after speaking to that many other reps did I not have this same answer. Furthermore, each of those reps dug through the account looking for any reason to NOT hold up their end of the agreement. This feels like a bait and switch scam, and after reviewing other complaints, I see that I am not the only person who is on XXXX, who opened an account with US Bank under the condition that I would receive a promotion, only to have US Bank find a reason not to deposit the money. I emailed and called into US Bank and reminded them that I provided the information about a possible delay to them the day I set up my direct deposit and was assured that this would not happen. This situation seems to me to involve UDAP violations and I urge the CFPB to look into how many other people have experienced a similar problem who are on fixed incomes such as myself. I still haven't received the promotional {$300.00} and I feel completely cheated! US Bank should not let a mere 6 day window be a reason to lose a customer, especially one who switched banks falling for their pretend promotion ; especially given the reason for the delay was the outbreak of Covit-19. I thought the government was encouraging banks to help customers survive the pandemic and not make it harder for them. Furthermore, if I can forgive the outrageous amount of unwarranted overdrafts charged to my account in the minimal amount of time that my account has been open, the least they could do is honor their own agreement. | ||||||
| 11/13/2018 | Yes |
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| I built my home in XX/XX/XXXX and have paid mortgage and home equity loan payments as scheduled until the time after my job was eliminated in XX/XX/XXXX. I am now employed, however, I am making significantly less money and its a struggle to make the payments. My primary mortgage is with XXXX XXXX and they are been very reasonable in restructuring my loan to make the monthly payments. US Bank has not been cooperative and I believe their actions are unreasonable and fraudulent and their ultimate goal is to foreclosure on my home. I have included my history with US Bank to provide insight on the reason that I believe US Bank is seeking to foreclosure on my home. At a minimum, based on the terms of the loan, it is highly unlikely that I will every pay off the loan. In XX/XX/XXXX, due to the death of my Dad and funeral cost, I borrowed additional monies from a current home equity. The terms of the loan were modified and I made regular monthly payments where the monthly minimum payment fluctuated. In XX/XX/XXXX, my position as XXXX of XXXX XXXX was eliminated and I was unemployed but continued to make payments up until XX/XX/XXXX. Thereafter, I struggled to make payments and entered into an agreement with the US Bank Collections department to pay {$130.00} per month in XX/XX/XXXX. I later realized that US Bank accepted my payments and charged a late fee. In XX/XX/XXXX, US Bank refused to accept my payments at the local branch and shut off my on-line access to the account that prevented me from making payments. Also, in XX/XX/XXXX, I received notification from a US Bank attorney that US Bank was starting foreclosure proceedings on my home. In XX/XX/XXXX, US Bank agreed to accept a cash payment of {$2200.00} to bring my account current and stop foreclosure proceedings and allow me to make monthly minimum payments no more than {$200.00}. I provided cash in the amount of {$2200.00} to the XXXX and XXXX XXXX branch of US Bank on XX/XX/XXXX. I also applied for a loan modification to get the payments reduced/restructure the loan. The branch converted the cash into a cashiers check and sent the check to another US Bank location and the check was lost and then found on XX/XX/XXXX. During this time, I could not access my account and did not receive bank statements showing the minimum monthly payment due for the months of XXXX, XXXX, XXXX and XXXX. I made repeated requests for a statements showing how the {$2200.00} was applied to my account and what is the new monthly minimum payment amount. US Bank did not provide that information. In XX/XX/XXXX, I received a statement showing a repayment plan that required me to pay over {$2600.00} to again bring my account current and prevent foreclosure proceedings from starting again. In XX/XX/XXXX, I received the history statement that I requested and it shows the following : From the payment of {$2200.00} that I made on XX/XX/XXXX, {$340.00} - applied to late fees {$1200.00} - applied to interest {$600.00} applied to principal {$2200.00} total amount paid on XX/XX/XXXX From the payment of {$2800.00} that I made on XX/XX/XXXX : {$29.00} applied to late fee {$740.00} applied to interest {$2000.00} applied to principal {$2800.00} - total amount paid on XX/XX/XXXX I understand that banks are in business to make money but I believe the application of late fees for a period of time that the bank would not accept a payment as well as the times when I made payments for the period of XX/XX/XXXX to current is excessive and fraudulent. With regard to the application of interest and principal, I believe the amounts are appropriate and that more of my payment should be applied to the principal of the loan instead of the interest. Further, US Bank committed to provide me with a response to my appeal for the decision that they made to not modify by load with reduced monthly payments. US Bank committed to respond to my request by XX/XX/XXXX and they have failed to respond. Additionally, I requested that the late fees be removed because they that accepted my reduced payments as agreed but still charged a late fee. US Bank has not responded. I also requested that the late fees be removed from the period of XXXX XX/XX/XXXX when US Bank refused to accepted my payments. US Bank agreed to review the request but has not responded. I also requested that US Bank remove the late fee that was assessed on XX/XX/XXXX prior to the due date of XX/XX/XXXX. I paid the full amount due plus extra money on XX/XX/XXXX. US Bank has not responded. I requested that US Bank reduce the interest rate to a fixed reduced rate and US Bank has not responded. | ||||||
| 10/14/2022 | Yes |
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| I have been having issues with bringing my account current and resuming my mortgage payments with US Bank over the last 7 months : Around XX/XX/XXXX, I was experiencing a job loss and loss of income due to COVID, so I elected to go on a COVID forbearance plan with US Bank that started in XX/XX/XXXX. On Monday, XX/XX/XXXX, I called US Bank to end my forbearance plan and resume my monthly mortgage payments. The US Bank representative informed me of my options and I chose the flex-modification. After choosing that option, the US Bank representative informed me that I was conditionally approved for the 3 month trial and that payments will start on XX/XX/XXXX and that I will be receiving paperwork in the mail with more information. Since then, I have NOT received ANY paperwork about the Flex-modification plan I choose. Instead, I have received several default notices and Intent to Foreclose notifications, which I followed up with several phone calls to US Bank customer relations and loss mitigation representatives and received different information from each representative. Some said I was not in a program, others said I got approved for the program and just wait for the paperwork, others said I was denied for the program and others said I was in 2 different systems, one system says Im approved and the other says denied. Ive tried everything to communicate with US Bank representatives to resolve this matter and start paying my mortgage to no resolve. So, I submitted my first complaint to US Bank on XX/XX/XXXX via email to XXXX When an US Bank representative finally reached back out to me and acknowledged the mistakes made by previous US Bank representatives by giving me misinformation they informed me that they would clear out the system and re-run me for programs. Despite all my efforts to resume my payments I was told I was in active foreclosure and I was sent several foreclosures notices and a letter from the US Bank foreclosure attorney. In fear of foreclosure, I contacted the MD HAF program to help me prevent foreclosure and bring my account current.The MD HAF program escalated my application because I was active foreclosure. When US Bank cleared me out of the system and re-ran me for programs I elected the deferment option. Before I applied for the US Bank deferment program, I informed US Bank representatives that I was actively applying for the MD HAF assistance program to help bring my account current and I asked them if either program will impact each other and I was advised that it would not. I was informed by the US Bank representatives that the only way to stop the foreclosure process was to move forward with the deferment program. The MD HAF program was communicating with US Bank to get information about my foreclosure and the amount needed to bring my account current. The MD HAF program informed me that they sent US Bank a notice to cease all action because I was actively applying for the program. I got approved for MD HAF Funds on XX/XX/XXXX. The HAF funds were dispersed to US bank via electronic payment on XX/XX/XXXX and US Bank received the HAF electronic payment on XX/XX/XXXX. On Friday, XX/XX/XXXX I called US Bank to check the status of my account and I was informed by the US Bank representative that the funds were received and that I would be removed from the deferment program so that the MD HAF Funds can be applied and for me to check back in 3 business days to get a status update. They also informed me not to pay my mortgage until everything in my account was updated. When I called back to check the status, I was told it was still being processed and to call back in a few days. When I called back to check I was told that the MD HAF funds were being sent back to MD HAF program because I no longer qualify for the MD HAF funds because the deferment brought my account current and to email my concerns to the US Bank complaints email. When I checked my account online it shows that the funds from the MD HAF program have been applied but I also see something about a 2nd mortgage. I received a new statement on XX/XX/XXXX where it shows that the MD HAF funds have been applied to cover other fee pd/RCAand my mortgage is due XX/XX/XXXX. Then, I just received a letter in the mail stating that my mortgage is late. When I called to inquire about the notice and the fees, I was told that the MD HAF funds were being held and waiting to be processed or sent back to the state. I have made every effort to work with US Bank to bring my account current and they have given me misinformation and making it a challenge to utilize funds granted to me to assist me. | ||||||
| 05/12/2017 | Yes |
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| I have been a US Ba nk costumer for more than 10 years. First checking account opened in XXXX XXXX , and closed in XXXX XXXX , by my request. During the years I would encounter unauthorized or unknown charges in the range of $ XXXX {$150.00 } ( once or twice per year ). The dispute process would take 3-5 da ys or more to reverse these charges back to my account, though I would not face a hard time in proving they were false or security breached. Each time US Ban k would apologize for any inconvenience, though they would repeatedly happen over and over. That 's why I closed it, and reopened a new account with the same US Bank - big mistake, should have switched to another bank. The first couple of years I did not see anymore strange or unauthorized activities, until XXXX XXXX , and this time it wa s US Bank its elf aledging some ghost money I owed them, for which they were never able to prove documents or statements, other than what the system tells them, which is a very short phrase : " charged Off/PMT ''. In XXXX XXXX XXXX US Bank debits my c urrent savings account with them, in the amount of {$340.00}. I asked why?, and they stated I owed them from that checking account I had closed in XXXX . I had several phone conversations and in a branch in person, also requesting statements or some kind of document to prove that I owed the charges, but there was no prove. Within a couple days, continuing my determination, I say I was lucky to speak with a US Bank wise manager, and she could not explain or find statements either, and realized it was an unauthorized charge from the recove ry dept., and with friendly apologies she reversed the charge of {$340.00} back to my account with in 24 hou rs. Things kept going well, until XXXX XXXX XXXX . US Bank de bits my checking account this time in much higher $ $ amounts, totaling {$770.00}, plus several overdraft charges of at le ast 4 or 5, becau se of their forced debits that deducted all the available $ $ amount from my checking account. I spent all day with phone conversations and stope d to two diff erent branches. The only answers I got from one of them was only the w ord of mouth that I owe US Bank all the se money, and the other was able to print me a statement from my closed account in XXXX and which makes it even more bizarre for their training or specialty as Bank customer service, is that the statement was declaring {$0.00} balance right in front of their eyes. Still, no one was able to give me a statement or letter, or any documents that showed I owed the amount of money that US Bank had charged me, and no one could reverse or dispute any of them. However, Most of t hem were nice, I could understand they did not have control over their system, or did they? They also mentioned to me another charged off account which remains a ghost, since I did not have it! and they could not print me a statement or document to show the charges. What made it even more scary as of now by the end of the day, is that an agress ive manager from the recovery dept. stated that : " you still owe more money to US Bank starting from {$99.00} and up '' for which he could not disclose the total, but said : " we will continue to debit your checking and savings account anytime we find a suporting balance, unauthorized and without notice just like we did it previously, and the charges would vary anywhere from {$100.00} to {$500.00}, as it seams fit t o US Bank. An d do not expect any statements or documents from us. We will only send you a leter to tell you how much you still owe us, but no details of what for, and no details on what we already charged you ''. At this point, I could hardly believe what I was listening to, it really seamed like one of those scary scams that unlicensed and illegal businesses practice. Well, this came directly from US Bank itself. Certainly I 'm overwhelmed, but because this is the first day for me which came as a shock, but it absolutely will go through a very detailed investigation, most likely through a law suit. No statements or No documents to prove the forced unauthorized charges is certainly in my favor. However, it will take sometime to take the money back, which so far is close to {$1000.00}, and could go even higher in days, if the fraud practices that the US Bank representative stated are true. Or perhaps I may find another wise manager to reverse these forced charges back to my account. ( Highly doubt though, who knows ) I better take out some cash before US Bank steal it all. First thing in the morning! Than a legal investigation! | ||||||
| 03/03/2021 | Yes |
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| My complaint is about closure of my account without sufficient notice and forfeiture of my cash rewards balance without any notice, even though my statement says rewards are available. I have been quarantined alone in the snowbelt of upstate XXXX since XX/XX/XXXX and in XX/XX/XXXX decided to move temporarily to quarantine alone in XXXX for the remainder of the winter. I have a XXXX XXXX and am very careful about exposure. I forwarded my USPS mail to the temporary address. On XX/XX/XXXX, I used my USBank card for the first time in a long time for two charges totaling {$88.00}. There was no problem with the charges going through. Then in mid-XXXX I received 2 pieces of mail from USBank, both forwarded from my home address. The first was my statement ( picture attached ) which accurately shows a balance of {$88.00} and cash rewards of {$350.00}. The payment due date is 3/10/21 and the statement says cash rewards can be used for statement credit or can be transferred to a bank account in the US. The second piece of mail was a notice from USBank saying my account was going to be closed because I wasn't using it. This was the first and only notice I received about inactivity. On XX/XX/XXXX, less than 2 weeks after I receive both the pieces of mail and 10 days before my payment due date, I tried to pay my bill using the rewards listed on the statement. I could not access my account online, so called XXXX. I waited a very long time for a representative who said my rewards couldn't be used because the account was " in the process of being closed. '' I explained that the statement said the rewards were available. She put me on hold to check what to do and came back to say that she would transfer me to someone who would reopen the account and then I could use the rewards. I waiting for another very long time - now well over an hour on the phone with USBank before reaching the next agent. At first he didn't understand why I had been transferred and said he was in underwriting. Then he said that because it was more than 30 days since the notice, he could request reopening ( no guarantee that it would be approved ) and that in order to do that, he would have to do a hard-pull on my credit report and it would be opened as a new account. I am not concerned about whether it would be approved - per XXXX, my current credit score is XXXX - but the inquiry and opening of a " new account '' would damage my credit score ( and the cancelled card may also slightly lower the score since it will reduce the average length of credit, even thought nothing about my creditworthiness has changed. ) Apparently if I had called within 30 days, this wouldn't have happened, but I didn't get the notice within 30 days of when they say they mailed it. So he said he couldn't help me and transferred me to a supervisor in customer care. She was actually very knowledgeable but did not have the authority to solve the problem either. She credited {$50.00} to my account for the bad service. I authorized payment of my outstanding balance to the bank account already on file because I do not want interest charges or other fees while this is being resolved. So they still were able to access my bank account, but not honor their rewards program. I want the {$350.00} shown on my current statement to be applied to the account and to have adequate time to use the credit. I think it is totally misleading not to honor what is on my current statement. It would never occur to me that I don't have to pay the amount on the bill, so why do they think they don't have to apply the reward balance on the bill? I also think it is unfair that they would not allow the account to remain open when I responded within 2 weeks of receiving their notice. It is not my fault that the mail wasn't delivered within 30 days of the date printed on the notice.. Of course mail delivery delay isn't their fault either but they should be aware of delays during the pandemic. There was no prior communication about cancelling my account for inactivity and if I had received notice I would have made decisions to use my accrued awards and to keep the account open. Finally, the customer service representative, who again I want to praise for trying to help, gave me the address to send a complaint directly to USBank, but it would require me to go into the post office or somewhere else to mail the letter - and I am doing everything possible to minimize the risk of COVID. Besides, given the waste of time when I called them, I don't trust that it would be resolved with a letter anyway. I appreciate that the CFPB portal is online. | ||||||
| 08/02/2018 | Yes |
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| As a XXXX XXXX much of my work starts as an online inquiry and it's not until I receive payment that I know the job will take place. I was contacted by an agency in New York to hire me for a project and I was suspicious that it might be a scam but if it was legitimate it would be a fantastic new connection for my young business. A few days later I received a check for {$7100.00} that looked a little odd to me but I'm still unfamiliar with the look of many business checks. On XX/XX/XXXX I took it in to my local branch of US Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX and explained my concerns to the teller who looked at the check and said though the check looked a little weird, maybe sort of photocopied, and that the watermarks were strange, we would just go ahead and " see if it clears ''. I asked when I could be sure that the money was in my account as the company who issued the check asked me to pay {$4000.00} out of that amount to a company they had selected to hire talent and makeup through. I clearly explained that I was nervous about paying out any money and wasn't about to pay out {$4000.00} until I could be sure that I could count on the {$7100.00}. He agreed with me and told me I would be able to see the check clear on the mobile app by XXXX that night. I refused to pay out the {$4000.00} to the XXXX agency ( later revealed to be the scammers ) until I was sure that the initial check for {$7100.00} had cleared. On XX/XX/XXXX I went back in and talked to the same cashier. He remembered me and assured me that the money had cleared and was available for use and then issued me a cashiers check when I explained that's how the subcontractor wanted to be paid without ever bringing up potential risks of the {$7100.00} being removed from my account. I went down the street to XXXX XXXX where the scammers had instructed me to deposit the cashiers check for {$4000.00} into their account. The morning of XXXX I checked my bank balance when going to pay bills and saw that the {$7100.00} had been removed from my account. I called US Bank and was connected with someone from the fraud prevention department. She told me that she was unable to do anything from her end but she could see that the funds hadn't left U.S. Bank yet so if I went to the branch they could stop payment on the check. I drove down to the branch and talked to the same teller that had listened to my concerns, deposited the illegitimate check and issued the cashiers check. I told him in no uncertain terms that the entire thing had been a scam and I needed to stop payment on the check. After he talked to a manager for over five minutes he came back and told me that the only thing we could do was wait for the check to clear and that he didn't really understand it himself. I waited 20 minutes to speak with a manager who told me that I should have read the fine print when I opened my account and that my money was gone and that even if I filed a police report he's never heard of anyone getting their money back in this situation. The check hadn't been cashed yet but after contacting his superior he said that U.S. bank was unwilling to stop payment on the check because if someone did come forward with the check the branch and himself would have to take the {$4000.00} loss and they weren't willing to do that. I went to XXXX XXXX next, the place where I had deposited the check and was assisted by three bankers who were all more stupefied than the last that I'd even been able to deposit the check in the first place, that U.S. bank didn't place a hold on the check after I had brought up concerns of fraud, and then that they had been so completely unhelpful afterward. Overall XXXX XXXX where I deposited the cashiers check was much more helpful and professional though eventually failing to reach a resolution. I don't even have an account with XXXX. Even with a time sensitive issue the U.S. bank branch was unable to pull an image of the check that was returned or give the reason for the return even though the check had been deposited 5 days ago and amount had been pulled from my account balance the previous business day. Now XXXX I've opened a police report but still don't have an image of the check or reason for return. In addition to being completely unwilling to own up to their part in my falling victim to the scam they were rude and unwilling to assist me in any way. I trusted U.S. Bank and their representatives to advise me financially and protect my interests and they were instead more interested in how it affected them and the branch 's bottom line. | ||||||
| 11/25/2019 | Yes |
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| XXXX XXXX Dear CPFB, I have a new XXXX XXXX XXXX XXXX from U.S. Bank and I was able to set up an online account with U.S. Bank for this Credit Card. However, I use XXXX XXXX XXXX and I tried to attached the Credit Card to XXXX XXXX XXXX update and I found the Password Policies to attached the Card to XXXX XXXX XXXX in violation of the United Stated Password Standard ( https : XXXX I looked it up so you believe me ) and I would know because I am a computer expert of about 37 years and I have a College Degree in XXXX XXXX. U.S. Bank is responsible for the password policies in XXXX the attach picture of the password rules say so, " This institution require a password to change and only be 8 characters '' Which an illegal Policy exactly ; and a direct security risk to U.S. Bank and the users as well. There are many password rule violations the worst of which are " No more than XXXX Characters '' very wrong and " required to change password from existing password '' Wrong and " can not be same as the old one '' I called U.S. Bank Technical Support XXXX but they assure me the following the law, which they are not, and U.S. Bank Technical support refuse to address this issue at all. I called the Bank at least 3 times before I filed this complaint, they will not listen at all even though I am trying to help them. XXXX NIST guidelines In XX/XX/XXXX, the United States National Institute of Standards and Technology ( NIST ) issued a new revision of their digital authentication guidelines, NIST SP 800-63B-3, stating that : [ 13 ] :5.1.1.2 Passwords must be at least 8 characters in length if chosen by the subscriber. Password verifier systems should permit subscriber-chosen passwords at least 64 characters in length. All printing ASCII characters as well as the space character should be acceptable in passwords. Acceptance of Unicode characters is also permitted. Verifiers may replace multiple consecutive space characters with a single space character prior to verification, provided that the result is at least 8 characters in length, but truncation of the password shall not be performed. Verifiers should not impose other composition rules ( e.g., requiring mixtures of different character types or prohibiting consecutively repeated characters ) for passwords. Verifiers should not require passwords to be changed arbitrarily ( e.g., periodically ). However, verifiers shall force a change if there is evidence of compromise of the password. Verifiers shall not permit the subscriber to store a hint that is accessible to an unauthenticated claimant, and verifiers shall not prompt subscribers to use specific types of information ( e.g., What was the name of your first pet? ) when choosing passwords. When processing requests to establish or change passwords, verifiers shall compare the prospective passwords against a list that contains values known to be commonly-used, expected, or compromised. The list may include, but is not limited to : o Passwords obtained from previous breach corpuses, e.g. Online Breach Databases [ 14 ], Breached Collections [ 15 ] o Dictionary words o Passwords consisting of repetitive or sequential characters ( e.g. aaaaaa, 1234abcd ) o Context-specific words, such as the name of the service, the username, and derivatives thereof If the chosen password is found in the list, the verifier shall advise the subscriber that they need to select a different password and provide the reason for rejection. Verifiers should offer guidance to the subscriber, such as a password-strength meter, to assist the user in choosing a strong password. This is particularly important following the rejection of a password on the above list as it discourages trivial modification of blacklisted ( and likely very weak ) passwords. Verifiers shall implement a rate-limiting mechanism that effectively limits the number of failed authentication attempts that can be made on the subscribers account. Verifiers shall store passwords in a form that is resistant to offline attacks. Passwords shall be salted and hashed using a suitable one-way key derivation function. Key derivation functions take a password, a salt, and a cost factor as inputs then generate a password hash. Their purpose is to make each password guessing trial by an attacker who has obtained a password hash file expensive and therefore the cost of a guessing attack high or prohibitive. NIST included a rationale for the new guidelines in its Appendix A. XXXX XXXX XXXX =============================================== https : //pages.nist.gov/800-63-3/sp800-63b.html XXXX XXXX XXXXXXXX | ||||||
| 02/16/2021 | Yes |
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| In XX/XX/2020, I decided to sell my lease and/or purchase it. I tried to sell it to XXXX, an online auto purchasing company, but US Bank would not let me sell it to a third party. Did not investigate in detail as to why. I decided to purchase the lease outright. On XX/XX/XXXX, I called US Bank lease department and requested a payoff letter which I have attached. I got busy and the payoff letter expired so I requested another one on XX/XX/XXXX, which is also attached. The payoff was good thru XX/XX/XXXX. During those days, I was able to gather {$45000.00}, the total amount due, to buy a cashier 's check and mail it. Per the payoff letter, I could just sent the total amount due to USB Dealer Services with a cashiers check, complete the Odometer Disclosure Statement, and the Customer Purchase Titling Instructions. I went to XXXX and mailed everything out including a return label for US Bank to send my title overnight. Received confirmation XX/XX/XXXX of the delivery. Called around the end of XXXX to confirm receipt. They were not able to confirm. I told them I was worried about my credit since the lease payment was due XX/XX/XXXX and they still hadn't processed the check. The rep said there was a 10 grace period and that I should be ok. End of conversation. I was not ok with that response. XX/XX/XXXX, I received a voicemail from US Bank to return their call. Picture of the voicemail attached. The US Bank employee tells me my purchase was being delayed due to not having provided a California Affidavit with my package. There was no indication on the payoff letter that I needed to provide one, I said. " What does it have to say? '' I asked. It seemed he didnt know the answer and needed to put me on hold several times. He eventually told me it needed to say " that the car was being purchased for personal use. '' I asked " why do you need to know what I will be doing with a car I am purchasing? '' I also pointed out again that nowhere in BOTH payoff letters does it state I needed this. He also couldn't send me anything in writing that it was a requirement. I asked for a manager. A manager called my husband, not me per my instructions, later that same night. She insisted we needed to provide a CA Affidavit but could not provide us with anything in writing that it was a requirement. She also said the payoff was wrong because it didn't include CA sales tax and that the person who had sent it 'made a mistake. ' I told her BOTH payoffs from two different people were the same and neither customer service rep said or mentioned anything about a CA Sales Tax. The manager threatened to delay our purchase until a CA Affidavit was received. Already frustrated with the conversation, we told her were going to file a complaint with the CFPB. How can paying off a lease be more difficult than paying off a home??? With the mention of a complaint to CFPB, the manager said she would process the paperwork and send title to our Georgia residence. And that title would be sent by XX/XX/XXXX or no later than Monday XX/XX/XXXX. All of a sudden it gets resolved we thought??? XX/XX/XXXX, I had not received anything. I called ( phone call attached ). The lady I spoke to sounded frustrated after trying to transfer me to the US Bank leasing department. She said " they won't take your call and won't give me any information as to why. '' She apologized and told me to follow back in a couple days. I told her my account shows no payment was made and I was worried I would get a late on my credit report. She said not to worry about it because they have the payoff and a late shouldn't be marked. XX/XX/XXXX ( today ), I noticed the lease account is no long on my phone app. I can not see any information and have not heard from anyone. Also, the return label has not been used which indicates nothing has been processed. I called US Bank @ XXXX. Per the rep, the lease is shown as paid off and title was going to be mailed overnight on Monday, XX/XX/XXXX. I would receive it XX/XX/XXXX. I asked what is the delay? I was told title would be shipped earlier in the month. She read notes and said it was due to an address change. I responded, an address change delayed the whole process 3 weeks?? She said apparently and nothing else. I asked her again " so i should have title XX/XX/XXXX, correct? '' " Yes '' she said. Conversation ended. I then receive a screen shot from my husband that US Bank has left a voicemail to call them back. Voicemail is dated XXXX @ XXXX I don't understand what is happening. I just want to purchase the car but this is ridiculous. Please help. | ||||||
| 09/17/2017 | Yes |
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| My complaint is with US Banks payment processing / allocation when their customers send extra payments in an attempt to pay down principle quicker / pay less interest. I made several large payments ( over 2 times my minimum payments ) to pay down my principle quicker but I realized my principle was not going down as quickly as it should have been. Im actually in financial services and would say that I have a far better understanding of how lending products work and I was even confused with US Banks payment practices so Im sure there are many being similarly deceived and overpaying interest on their loans. There is a lack of transparency, inconsistencies by payment channel ( i.e. branch vs. mobile app ) and cumbersome payment interfaces. Ive included a contact log of my discussions with US Bank where I was told my previous payments would be reallocated to principle instead of being applied to my next minimum payment. After over 2 weeks of no activity, I called back a 3rd time and was told that they can not help me ( I received NO proactive communication from US bank ). I asked to speak to a supervisor and was told I would get a call back that evening ( I received no callback ). Heres some specific deficiencies with US Banks payment processing : 1. Confusing mobile payment language ( see screenshot of US Banks mobile payment screen ). The first overpayment I made was a $ XXXX payment through the US Bank XXXX banking app. I wasnt sure which option to select to pay down principal. The intuitive option would be to select the Principal payment option but then I read the disclosure associated with this option which indicates that A Principal Only payment may be used only if no Minimum Payment is due. I technically had a Min Pay due the following month so I did not choose this option and simply assumed the Other amount option would apply any extra payment to principle. The Other Amount disclosure is ambiguous and not helpful. It indicates Any amount in excess of the Minimum Payment will be applied to either outstanding fees, interest or principal. Shouldnt it just simply state extra payments will be applied to your next min payment??? 2. The Branch does not even ask how a customers overpayment should be applied to their loan. I was told by the first US Bank call representative that branchs can not apply extra payment to principle. Not sure whether this is true but it certainly is not disclosed. The end result of these deficiencies is that customers who are making extra payments with the intention of paying less interest are actually just paying the same amount of interest and just paying their loan down faster. I ask that US Bank honor what they originally committed to doing and that they look into improving the deficiencies that Ive highlighted above. US Bank XXXX XXXX 1.XX/XX/XXXX My first call to US Bank to inquire about why my principle was not lower as a result of my overpayments. The representative indicated that several of my overpayments were applied to my next minimum payment instead of being applied to principle. The representative identified 3 overpayments in particular that she was submitting to have reallocated to principle ( 2 of these payments were branch payments of {$1500.00} and {$1000.00} ; my min pay is only {$470.00} ). The US Bank branch did NOT ask me how I wanted to have my extra payment applied. The representative took the time to research US Bank policy and indicated to me that there was NO mention of how far back payments could be reallocated. This representative was very helpful and genuine in trying to assist me. 2. XX/XX/XXXX I called back to check on the status. I was told by the representative that they saw the ticket opened on the account but I needed to allow for 3-5 business days and account for the XXXX XXXX holiday when they were closed. He reassured me that this would still be done. 3. XX/XX/XXXX I called back since I could see no change to the balance of my account and it had now been 2 weeks since I was told my payments would be reallocated. The US Bank representative told me that the back-office request to reallocate my previous overpayments to principle had been cancelled and that I had been misinformed by the previous agencies that my payments could be reallocated. I advised that this was unacceptable as 2 previous agents told me this was going to happen. I asked to speak to a supervisor. The agent advised that their supervisor was unavailable and that they would call me back. I received no callback and still no letter from US Bank indicating what was promised to me could not be processed. | ||||||
| 05/18/2023 | Yes |
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| My name is XXXX XXXX, and I am writing to formally address an incident that occurred on XX/XX/23 at XXXX at ATM XXXX located in XXXX XXXX, AZ XXXX, within The XXXX XXXX US Bank XXXX. During the aforementioned incident, I deposited five {$100.00} bills into the ATM. However, due to a malfunction, the ATM failed to credit my account and retained my cash. Although a receipt was generated, my account did not reflect the deposit. Upon entering the branch, I regrettably encountered a distinct lack of professionalism and courteousness. The staff treated me as a second-class citizen and directed me to consult with a gentleman banker. Approaching him, I explained the situation and presented the receipt as evidence. To my dismay, the banker rudely dismissed my concerns, stating, " Call the number ; I can't assist you. '' His response lacked any form of empathy or willingness to address the issue of my missing funds. Additionally, it is disheartening to note that the bank 's staff, consisting entirely of white, middle-aged individuals, did not include a single person of color. This lack of diversity further contributed to the overall sense of unwelcomeness that I experienced. Subsequently, I dialed the US Bank number provided on the receipt to lodge a complaint and report the incident. While speaking privately on the phone, I discovered that the branch manager, XXXX, had been eavesdropping on my conversation. Upon hearing my complaints about the bank 's staff, XXXX abruptly interrupted and instructed me to leave the premises. Notably, she addressed me by my first name, implying familiarity despite my complete lack of prior acquaintance with her. I am led to believe that her actions were driven by personal bias and a retaliatory motive stemming from my podcast/video company, XXXX, which occasionally presents controversial opinions. Is it possible that XXXX harbors preconceived animosity towards me due to my appearance or the nature of my work? Given the circumstances, I decided to contact the local authorities and informed them of the situation, as I was left without answers regarding my missing funds and was unjustly denied access to the bank. Furthermore, I reached out to the US Bank main helpline, where a gentleman attempted to mediate between myself and the bank to facilitate the resolution of the issue. Unfortunately, the branch manager adamantly refused to cooperate with any ideas the bank rep had and insisted that I wait for the standard 10-40 day period to receive reimbursement for the missing ATM funds. Regrettably, this incident has had severe financial ramifications for me. The deposit was intended to cover my rent payment, which was due today, as well as a car repair bill. As a result of the missing funds, I have incurred a {$250.00} late fee for the rent and an additional {$150.00} fee from my mechanic for failing to fulfill my payment obligations as agreed. Consequently, the situation has cost me more than the {$500.00} that remains in limbo due to the ATM malfunction as well as if my rent is not paid in the next ten days I face eviction. Adding insult to injury, the branch manager took it upon herself to have the police trespass me, resulting in a one-year ban from the bank 's premises. Furthermore, she proceeded to close my account with out my permission or information, thereby complicating the already delayed process of receiving the missing ATM funds, which will now be issued in the form of a mailed check after the 10-40 day waiting period. I have never encountered such deplorable treatment elsewhere, and it is distressing to witness your employees dismiss customers without any inclination to fulfill their job responsibilities or provide assistance. It is my firm belief that The XXXX XXXX XXXX has a pervasive problem rooted in ignorance and hostility, demonstrated by their profound disregard for customer care and compassion. In light of the aforementioned circumstances, I kindly request a thorough investigation into this matter and prompt resolution of the issues at hand. Specifically, I expect immediate reimbursement of the missing {$500.00}, as well as compensation for the financial losses incurred due to the bank 's negligence and the branch manager 's unwarranted actions. Moreover, I insist upon a formal apology from the bank for the distress, inconvenience, and discrimination I have endured throughout this ordeal. It is crucial that corrective measures be taken to address the lack of diversity within the branch 's staff, ensuring a more inclusive and welcoming environment for all customers. Thank you | ||||||
| 08/13/2022 | Yes |
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| On XX/XX/2022, I responded to an offer from my XXXX XXXX credit card to make a balance transfer from another credit card with 0 % APR for 12 months. I followed the prompts on their website to transfer my existing balance from my US Bank credit card. I am unsure of the exact balance at that time, but it was approximately {$6000.00}. The transfer seemed to be approved normally and I thought at the time that it had been successful. I noticed a few days later that my XXXX XXXX card showed an additional debt of XXXX as a result of the balance transfer. I called XXXX to find out what had happened. The representative from XXXX said the error had been on the side of US Bank and initiated a three-way call to US Bank to help reverse the charge. We spoke on the three-way call long enough for the XXXX representative to describe the problem and then the US Bank representative dropped the call. I then called the US Bank number and explained my problem. The US Bank representative agreed that the amount transferred to XXXX far exceeded the balance I had with US Bank on the date of the balance transfer and assured me she would refer the problem to be resolved. I received a letter on XX/XX/2022, from XXXX in the Payment Research Department of Cardmember Services of USBank that read, " The payment of {$17000.00} applied on XX/XX/2022 was posted correctly to account number ending XXXX. '' I called USBank to ask who received the excess payment for that amount since I did not owe that amount or buy any goods or services for that amount. The representative who answered the phone transferred me to someone who handles disputes. This representative looked at my accounts and told me that it was clear that an error had been made and that my USBank card now showed a large negative balance ( I forget the amount at that time. I continued to use that credit card since I was unable to use the XXXX card because the balance was so high ). He assured me that US Bank would resolve the issue and asked me to be patient. On XX/XX/XXXX, I received a letter from USBank from someone named XXXX in the Payment Research Department that read, " We have reviewed your request to have a refund issued to you in the amount of {$17000.00} for your payment posting on XX/XX/2022. A refund has not been issued because the monthly minimum payment amount due would no longer be met. '' I called US Bank to ask what this letter meant. The explanation the representative gave ignored my concern that I now owed a large sum of money that I never used and was strapped with a huge debt due to their error. I should also note that my credit score declined during this time. No one could explain where the charges sent to XXXX went. Finally, the representative told me that they would mail a check to my home for the additional money and that I could pay XXXX with that check. I did not receive a check in the mail in the next few weeks. So, I called USBank to tell them I had not received a check. The representative told me that they do not mail checks to the homes of cardholders. The check would be issued as an ACI payment to XXXX. On XX/XX/2022, I received another letter from Cardmember Services at USBank, this time signed by XXXX in the Payment Research Department. This one read, " We have reviewed your request to refund the credit balance on your account. The credit balance refund of {$7400.00} has been sent to the financial institution where the most recent payments were withdrawn. '' I waited two weeks for a change in my balance at XXXX to show. When it did not show, I called XXXX on XX/XX/2022, to ask if there was any record of payment from US Bank. The XXXX representative checked their records and showed no payment. I initiated a three-way call, bringing USBank on the line. We stayed on the line long enough for the USBank representative to say that their bank had attempted the transaction and it had been declined by XXXX. The XXXX representative had enough time to say that they showed no record of any attempted transaction. Then the USBank representative dropped the call ( again ). I called USBank back and had another lengthy talk, explaining this long timeline above. The representative checked the records further and gave me a check number that she assured me had been sent to XXXX on XX/XX/2022. She finally told me that it may be up to 21 days after it was sent before it might post, so I agreed to give them another week. It is now XX/XX/2022 and the check has not been received, no one has attempted to contact me from USBank to explain why the situation still has not been resolved. | ||||||
| 10/19/2020 | Yes |
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| U.S. Bank issued me a secured credit card in XXXX of XXXX, secured by my deposit of {$500.00}. In XXXX of XXXX I contracted Covid-19 and enrolled in U.S. Bank 's coronavirus assistance program. I enrolled in a similar program with 6 other financial institutions, each deferred my payments, but U.S. Bank did not and that was not understood clearly by me, because this was in the early days of relief programs and the account representatives weren't well-versed at the time and my representative didn't clearly explain. My XX/XX/XXXX statement had a balance of {$520.00}, with a {$220.00} minimum payment due on or before XX/XX/XXXX. The statement closing date was XX/XX/XXXX. On XX/XX/XXXX, I made the minimum payment of {$220.00} leaving me a credit amount of {$210.00}, which would be sufficient to pay my health insurance. U.S. Bank says it sent a letter on XX/XX/XXXX ( which I did not receive ) notifying me that my account was closed for non-payment. After I made the {$220.00} payment on XX/XX/XXXX, ( 3 weeks before its XX/XX/XXXX due date ) and knew it was posted I tried to process the insurance payment but my card was declined. So, I called U.S. Bank and the representative informed me the account had been closed. This was a shock to me because I had talked to a representative on XX/XX/XXXX and was not advised the account was closed. At this time I was also still suffering and impacted by the coronavirus. U.S. Bank admitted there was confusion in the explanation of my coronavirus relief terms so they reversed the following interest charges : XX/XX/XXXX Interest Reversal - {$8.00} XX/XX/XXXX Interest Reversal - {$8.00} XX/XX/XXXX Interest Reversal - {$7.00} After making the {$220.00} payment and reversal of the 3 interest charges above, that left me with and outstanding balance of {$280.00} and I was told in a XX/XX/XXXX phone calle that I would receive a check for {$210.00}, the difference of the {$280.00} and my {$500.00} deposit. U.S. Bank also said at that time that the process was a 60 day process because they had to make sure that there were no outstanding charges on the account. However, pursuant to the terms of their coronavirus relief U.S. bank wouldn't allow any charges to be made on that card going back to XX/XX/XXXX - so it was impossible that there could be any charges made, even recurring charges ( but there were none ) wouldn't be allowed to process under their own coronavirus relief terms. The account was closed on XX/XX/XXXX. In addition to a 30 days late payment posted with the credit bureaus ( when supposedly under coronavirus relief ) after having made the XXXX statement payment of {$220.00} 3 weeks before the due date, I also have still not received my check for {$210.00} as of XX/XX/XXXX. I called U.S. Bank on XX/XX/XXXX to see when I might be receiving my check, and was told the same story about 60 days to process. However, after calling U.S. Bank today, on XX/XX/XXXX, the U.S. Bank representative told me that the order to process the check had never been made. Supposedly, that was going to be handled today. In the meantime, U.S. Bank has charged me the following below amounts on my card, even though the card was closed, and in XXXX I was advised I would be receiving a check for {$210.00}. Again the account was closed on XX/XX/XXXX. How is it is possible that they have not issued a check for my deposit after nearly 4 months, importantly when they know there has been no charges on my account. XX/XX/XXXX Late Fee - Payment Due On XX/XX/XXXX - {$40.00} XX/XX/XXXX Interest Charge On Purchases - {$4.00} XX/XX/XXXX Late Fee - Payment Due On XX/XX/XXXX - {$29.00} XX/XX/XXXX Interest Charge On Purchases - {$5.00} Secured cardholders such as myself, especially those impacted by Covid, are being taking advantage of by U.S. Bank. Delaying of issuance of deposits in order to generate late fee and interest charge revenues, whether intentional, non-intentional, software driven or otherwise, is taking advantage of the vulnerable that are trying to establish credit. With millions of secured card holders, the revenues that are being generated to U.S. Bank through delays in returning card holder deposits are likely very substantial, and their explanation that they are delaying returning deposits on accounts which were prohibited from making charges is at a minimum not convincing and a misrepresentation, in contradiction of their own terms and conditions. Bottom line, their process is flawed, perhaps intentionally in order to generate hundreds of millions of dollars in profit from late fees and interest charges. | ||||||
| 05/08/2021 | Yes |
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| This is not a duplicate complaint. I have been informed of new information regarding US bank and its violations of the EFTA and its misrepresentation of its affiliation with XXXX which caused me a loss of {$200.00} on XX/XX/XXXX. Although I followed all steps required by the EFTA, US bank provided false information numerous times regarding its responsibilities and affiliation with XXXX to avoid honoring its obligations under the EFTA and its own " Digital Security Guarantee '' In short, I paid someone I knew using XXXX. That person I knew had their XXXX account hacked ( where we were communicating ) and as a result, redirected the funds I sent to someone I know, to a scammer. This should be protected under the EFTA and the Digital Security Guarantee, but US bank is claiming it has no affiliation with XXXX and that the matter is a civil matter. This is a violation of the EFTA and I intend to continue to escalate this matter if necessary, not only to the media, given Us bank actually owns XXXX and is providing intentionally false information to harmed consumers, but also because US bank is required, under federal law, to either provide proper disclosures which it did not, or provide fraud protection. BACKGROUND On XX/XX/XXXX I downloaded XXXX and sent money to a friend. Someone I know. within 5 minutes, we were informed that our friend 's XXXX account was hacked and that someone redirected our funds. This information is documented with XXXX and the police and although we have offered this information US bank has declined to review it. I called US bank within 5 minutes and they refused to stop the transaction. Under the EFTA, when a consumer provides prompt notice, the bank is required to act swiftly. Instead, we were told that they don't have anything to do with XXXX and we'd have to wait and contact XXXX when they opened the next day because XXXX doesn't actually have a fraud department. This was a lie. XXXX is owned by Early Warning Payments, which is owned by 7 large banks, including US Bank. This intentional misrepresentation by the bank harmed us. ANd it continued to misrepresent its affiliation with XXXX. We contacted XXXX the next day, and they stated we needed to handle the dispute through our bank. Again, US bank lied and misled us. These precious hours could have been used to stop the funds, given we made notice within 5 minutes. In its response to the CFPB complaint I initially made on XX/XX/2021, it made no disclosure that it actually owns XXXX. In fact, it made no required disclosures under Reg E The fact that it owns XXXX, requires it to adhere to Reg E. ( EFTA ) Reg. E provides that the disclosures be clear and readily understandable, in writing, and in a form the consumer may keep.... These disclosures can be delivered in electronic form, but the financial institution must comply with the requirements for electronic signature, including the consumer consent rules. These initial disclosures must be made at the time a consumer contracts for an electronic fund transfer service or before the first electronic fund transfer is made. Not only did US Bank not make a clear disclosure that it OWNS XXXX, at the time I signed up for the payment system, I receive NO disclosures for signature and nothing in a form that I could keep. US bank violated the EFTA disclosure requirements, in addition to its ongoing misrepresentation of its affiliation with XXXX. In fact, no where on US bank 's consumer dashboard does it disclose its affiliation with XXXX. And when I spoke with MULTIPLE employees, including two managers, all informed me " We are not XXXX '' Since XXXX 's launch, it has tripled fraud losses to consumers. TRIPLED them. I asked myself why my bank would offer a payment system structured under a third party name and then misrepresent its affiliation ... the answer seems clear to me : it is trying to avoid covering losses it is required to cover under the EFTA and pushing consumers to use this payment system instead of their USBank options so they can avoid losses and pass them onto the consumer. This is the only conclusion I can make given the false information US bank has provided, the intentional misrepresentations it has made in multiple formats including its consumer banking dashboard, its product pages on its websites, its emails and through its customer service representatives. US bank should be investigated and if I can not get this resolved through this channel I will continue to escalate this matter until something is done about this fraudulent scheme. | ||||||
| 04/28/2021 | Yes |
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| I filed the following complaint with the CFPB on XX/XX/XXXX : " In XX/XX/XXXX, we put our mortgage into a COVID forbearance plan with US Bank. In XXXX of XXXX, we contacted US Bank to find out what we needed to do to start paying our mortgage again and refinance. We were instructed that we needed to make three consecutive payments and could then apply for the refinance. We then made XXXX, XXXX, and XXXX payments. In XXXX we applied for a refinance and were told that we had to actually remove our account out of the forbearance plan and then make three payments. We lost out on the low interest rates which was very devastating. In XX/XX/XXXX, we completed a Payment Deferral Agreement with US Bank to remove our account from the forbearance plan and they confirmed it was received XX/XX/XXXX. I spoke with a Relationship Manager from US Bank and they stated that is was being processed and would be effective XX/XX/XXXX. I called back on XX/XX/XXXX to confirm everything was processed and spoke with US Bank employee XXXX id # XXXX, at which time he stated that the account had been removed out of the payment deferral plan inadvertently. He was going to have a Supervisor contact me to let me know what happened and how we correct it. I did not hear back from anyone so I called back on XX/XX/XXXX and spoke with XXXX id # XXXX, she stated that someone from the bank had made an error and removed us from the deferral plan. She stated that she would get it reversed and submitted to Underwriting for approval immediately. She stated that that process takes 72 hours and she would follow up with me by XX/XX/XXXX. I had not heard back from her so I called on XX/XX/XXXX and spoke with XXXX. She stated that it was still with Underwriting and she expected to hear from them in the next day or two. I have not heard back from her and have tried on three attempts to contact her directly with no avail. I called XX/XX/XXXX and asked to speak to a Supervisor. I spoke with XXXX id # XXXX. He stated that the above information that I was given was correct but still could not tell me the status on the account. He could not confirm that we had been reinstated into deferral plan, he could not instruct me on whether or not to pay or XXXX mortgage payment, I can not seem to get anyone to tell me the status of the account. I am not sure where we stand, no one from the bank is calling me back or following up. This has been the most unprofessional and misinformed experience I have ever had. I have spent hours, upon hours on the phone with various representatives and been given different answers and lost out on a huge monthly savings on my mortgage with the refinance because of this misinformation. I just want my account back in the deferral payment plan and move on from this. This forbearance plan was intended to help people through the pandemic and this has done nothing but cause problems because of US Bank 's lack of knowledge, follow through, and professionalism. '' Since then, I received a letter from the bank on XX/XX/XXXX ( attached ) stating that that the above mentioned issues had been corrected and our account had passed system changes and was in the Deferral Plan. I also received a copy of our Payment Deferral Agreement ( attached ) signed by US Bank. On XX/XX/XXXX, I attempted to make our XXXX payment online and was not able to do so. I called US Bank and made the payment over the phone with an agent. On XX/XX/XXXX, I received a new Payment Deferral Agreement ( attached ) with an effective date of XX/XX/XXXX and it indicates that the three payments made after XX/XX/XXXX have not been applied appropriately. I have attached the payment history. Apparently, the exact same thing that happened before and was corrected, has happened again and we were removed from the deferral plan inadvertently. I am requesting that the new Payment Deferral Agreement with the XX/XX/XXXX effective date be made void and the Payment Deferral Agreement signed by us and US Bank with a XX/XX/XXXX effective date be active. I would like the three payments made after XX/XX/XXXX to be applied correctly to the account per the Deferral Agreement. I would like to know what we can do to prevent this problem from occurring again as we have spent a ridiculous amount of time correcting this issues previously only for it to happen all over again. It is completely Ludicrous. Please advise as to how this is going to be remediated at your earliest convenience. I will be turning this matter over to my Attorney if it is not resolved in a timely matter. Sincerely, XXXX XXXX | ||||||
| 10/08/2021 | Yes |
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| I did have a secured credit card with Fulton Bank/US Bancorp with a deposit amount of {$3100.00}. As my credit score grew into the 800 's I started to transition into regular credit cards from secured cards because my creditworthiness didn't warrant secured cards anymore. I phoned Fulton Bank 's credit card customer service department and told them my goal was two fold : 1. A better interest rate ( APR ) a higher credit to reflect my current credit worthiness. What Fulton Bank ended up doing was simply making a transition from a secured card to an unsecured card and simply making transferring the same interest rate and credit limit to this new account. This is not what I asked for, and their terms don't reflect my current credit worthiness. I telephoned the customer service department numerous times and spoke to four or five supervisors and they said that everything was done correctly. I asked to speak to their credit card underwriting department and they informed me not only once but three times that Fulton Bank 's customer service department did not process my credit card request properly. They should have taken a whole new application and upon this being approved and a new card issued it would have reflected a totally new credit limit and new APR based on my creditworthiness. The underwriting department told me that simply making a transition from a secured card to an unsecured card would not have necessarily given me the appropriate APR and new credit line based on my current creditworthiness. I informed Fulton Bank 's customer service of what the underwriting department said and they were adamant that they process this request correctly when clearly they did not basked on my criteria and my goals to switch to a regular Fulton Bank credit card. After numerous hours on the phone and getting nowhere fast with the representatives or supervisors I drove to one of my local Fulton Bank branches here in XXXX, Maryland ans I explained my entire situation as the representatives took notes and the Branch Manager a Mr. XXXX listened in said they would investigate the situation and give me a phone call. About one and a half weeks later I had not heard anything from the branch so while I was doing errands I drove by the branch and spoke to two branch representatives. Since the branch manager was supposidly tied up with a conference call and could not help I once again explained the situation to the two women and one of the women behind the counter kept asking me well what do you want me or ( us ) to do????? and kept asking me to repeat at least twice what the problem was. She was rude and disrespectful to me to the point that I just said thank you and walked out because it was quite obvious that she couldn't of given a XXXX whether this problem was solved or not. I told her that I was there about a week and a half ago they should of had an answer by now but still no help. I was frustrated and angry so when I got home I called the branch and told the bank rep a woman by the name of XXXX I came to find out that I felt absolutely disgusted and sickened by her rude and condesending behavior at the branch and that I didn not want to come into that location and have anyone treat me in that fashion again. I asked that she have the branch manager call me and still no call. I gave her my cell phone number. This woman XXXX refused to give ma an employee id number or her last name and only identified the other woman 's name as XXXX. The branch manager 's name was a XXXX XXXX. A complete clown show by the representatives and a complete lack of professionalism from the branch manager by ignoring my complaint and not returning my phone calls. There were other patrons at the branch and the branch reps tried to make me look foolish and I was not having any of it. I simply walked out and called them from home. I then called Fulton Bank 's c/s department to report what had happened at the XXXX XXXX. branch and spoke to a supervisor by the name of XXXX. I got their bank 's CEO 's information and address as well as some other executive company information from him and informed him that I would be filing a complaint with CFPB as well as sending a personal certified letter to the CEO to inform him of this mess. I have informed Fulton that re applying all over again for a new card will percipitate a new hard pull on my credit report and this can affect your credit score and that since the application was not taken as " new '' I don't feel that they should have to pull a whole new report. It wasn't my fault that c/s XXXX this up. | ||||||
| 10/28/2021 | Yes |
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| To whom it may concern, Hope you are well and thank you for your help with this issue. My name is XXXX. I own a XXXX XXXX XXXX XXXX XXXX and have been in business over 20 years. Early last year with Covid shut down california and my business, we had no choice but to enroll in a forbearance plan with XXXX XXXX for our home loan. It was such a stressful time and we honesty had no idea at all what was going to happen. So, fast forward, We just came out of a 17 month forbearance plan with US bank, made the 3 trial payments and got the loan modification documents. I quickly signed them because I was so stressed over this situation and I did not want to be late on a payment. However, shortly after signing loan modification I got a routine followup call from my loan officer who obtained this initial loan with US Bank. She was calling to check in with us to see if I was interested in doing a refinance because the interest rates are historically low. So we began the process of a refinance as I was completing my final and 3rd payment to get out of the forbearance. We were about 15 days into the refi process and she asked me what this $ XXXX was for in the pay off amount I replied and said I don't know. Upon further investigation we came to realize that this $ XXXX was the interest that had accrued from the last 17 months of my forbearance. I began to research and look through all the documents US Bank had sent to me and there is not one document stating that I would be responsible for paying interest over the term of the forbearance plan. All it said was ALL payments were to be suspended. It did not define what payments were suspended or what payments would need to be paid at the end of the forbearance ie. principal, interest, property tax or homeowners insurance, it just said all payments will be suspended. Though the entire forbearance I called numerous times to speak with the customer service people over at US Bank to get clarity on what to expect when we completed the forbearance and they just kept telling me that once I decide I can start making payments again they were tell me what I would have to do and there was no clarity or ever any discussion that I would be responsible to pay interest only at the end. You can even look at the phone records on my account and you will see I called every few months because I was extremely anxious with what was going to happen next. My loan officer was beside herself when she realized that the best loan modification offer US Bank verbally made to me was a 40 year loan with the same interest-rate ( XXXX ) knowing full well that the market value right now is around 3 % interest-rate. US Bank kept me at XXXX and extended my loan an extra 10 years making it 40 years. To make matters worse US Bank took the $ XXXX in interest and rolled it back into the principal balance which means I now have to pay interest twice over the next 40 years which means I'll be paying hundreds to thousands in additional interest because of this extra XXXX. This is robbery and not helpful at all. During the 17 months in my forbearance AND when discussing the load modification, there was no clear information about fine details of what money was going where at the end of the forbearance plan. In fact in a letter dated XX/XX/2020 stated the following Each day brings new laws and guidance, often impacting the communications we are regularly sending. By listening to your feedback, we realized that the initial letter we sent advising of the requested assistance may not have been clear. This comment was referring to XXXX XXXX their letter one month prior on XX/XX/2020. The XX/XX/XXXX letter goes on to continue outlining the terms of and conditions of the forbearance plan and it's nowhere in there did it say that I will be paying interest only at the end of the forbearance. It just says all payments were suspended. In closing, my wife and I were misled and have been severely taken advantage of with this very important information and now we are facing the cold hard fact that we may be stuck with paying double interest for the next 40 years because of the lack of clear communication from XXXX XXXX. I am seeking some sort of solution here. It was my understanding form the beginning that the government and the banks are here to help, not to steal and manipulate and take advantage of their customers. I have never been late with one payment and have always been very good and my communications with US Bank. Thank you for your time and I do hope for some good news soon, Sincerely, XXXX XXXX | ||||||
| 01/26/2021 | Yes |
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| On XX/XX/XXXX I received a request to fill in a XXXX questionnaire from Customer Due Diligence Operation Center of the US Bank located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I filled in the questionnaire and sent it back. In a week 's time I received a response that I successfully completed the assessment. On XX/XX/XXXX I tried to login to my bank account, but my online banking was disabled. After speaking to a customer service, it became clear that my account was in a process of being closed. Two weeks later I received a letter from the US bank confirming my account closure. It was clearly stating that if the account has a positive balance, a Cashier 's check will be mailed to me within 15 business days once all previously deposited items have been verified. This letter was dated XX/XX/XXXX. I attached the letter to this email as proof. I was waiting for the Cashier 's check for a month, but it did not come. So I contacted my bank manager XXXX XXXX of the US Bank branch located in XXXX XXXX, KY who confirmed my check was mailed. Another two weeks went by and there was still no check. So I contacted my bank manager again, but he wasn't sure about why Cashier 's check was not mailed. As it appeared later, I was supposed to verify last five deposits that came to my account before it was closed, but nobody told me about that. So for six weeks I was waiting for the check which wasn't even supposed to come. When I complained to XXXX XXXX about the fact that nobody informed me about it, he had two excuses : first, COVID - a very convenient excuse for everything these days! And second excuse was that he was on holiday for two weeks. Anyway, XXXX XXXX sent me an email containing a list of deposits that were supposed to be verified. Two of those deposits were refunds from a fashion outlet. The other three were deposits from my close acquaintances. I diligently verified all five deposits and supported them by detailed explanation and documents. The bank manager submitted them to the relevant department and informed me that my money - {$4800.00} - was moved to a recovery account and will be sitting there for the next 90-120 days as a safety measure to any possible fraud claims from the payors that may arise during the next 120 days. All this took place in the middle of XX/XX/XXXX. My last communication with the XXXX XXXX was on XX/XX/XXXX. Since then and until XX/XX/XXXX there was no news about my {$4800.00}. I attached to the email my last bank statement that was mailed when my account was already closed. So on Monday XX/XX/XXXX I contacted XXXX XXXX again and was told that he would contact his back office to get an update. On Monday XX/XX/XXXX I received an email from him where he says the following " As of Friday, funds still have not been verified. Checking with operations to see if they have any suggestions today. '' I would like to bring to your attention that I fully understand that a bank has a right to close my account with or without a reason. It's clearly stated in the Deposit Account Agreement & General Terms & Conditions that I accepted when I opened my bank account at the US Bank. But in the same agreement there is nothing that states the bank has a right to withhold my money, especially for such a long time. Nevertheless, I accepted this unwritten condition and was patiently waiting. Also, back in XX/XX/XXXX when I was hoping to receive my Cashier 's check, I was in touch with Customer Due Diligence Operation Center a few times : it was them who initiated the XXXX assessment, so I felt they were responsible for the decision to close my account and tried to find out the future of my withheld funds. I spoke to a guy called XXXX ( please note, this could be an incorrect spelling of his name, but it sounded like XXXX ). Each time I spoke to XXXX, he confirmed I successfully completed their assessment, I had a right to have a bank account with the US Bank and he had no clue why my account was closed. Moreover, I called to XXXX on Monday XX/XX/XXXX again and again he confirmed all the above information about my assessment and eligibility for a bank account. Regardless, my {$4800.00} still remain in a possession of the US Bank although 120 days have already passed. Conclusion : I suspect that the reason for the held up in releasing of my funds is the fact that XXXX XXXX, the manager of the US Bank branch located in XXXX XXXX, KY simply did not submit my deposit verification to the relevant department back in XX/XX/XXXX. So, it's a case of PROFESSIONAL NEGLIGENCE. | ||||||
| 06/29/2020 | Yes |
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| I failed to mention this in my previous report about XXXX XXXX. so please read that report first. In XXXX when I opened my XXXX account they opened me an account at US bank I later received a credit card attached to that account.. I paid on the card but no matter what I did fraurdulent charges came on the card.. when I went in the bank to resolve the issue they could not verify me because I had no ID this was approx. XX/XX/XXXX as I was attempting to leave the person who was abusing me. They told me I had the wrong card that was attached but would not explain it to me. Later a supervisor Mr XXXX told me XXXX XXXX was committing fraud against me. I asked what I had paid so many times for my credit card if it was not the one I showed them.. They have never answered.. In XX/XX/XXXX they told me the account was closed when I asked about accessing the funds because I had escaped the area. I discovered in XX/XX/XXXX the account was still open and they needed me to agree to a statement about my trade lines.. I stated I could not agree I had no idea what a trade line was. I had gone to US Bank after XX/XX/XXXX to open my new account with my new name and new SS number.. I did not give then any old information. the very first transaction on my account was fraudulently done by them. They charged my account for internet before I even know my own new address or been approved for my apartment.. They stated my account was opened one XX/XX/XXXX XXXX and that I went to XXXX that same day.. when visa card services did there investigation they discovered it was fraud. After that US Bank withheld my SS telling me it was not there and I was unable to pay my rent when in fact it was there and my and the local crisis response people verified it was and the trusure said my funds were there.. The local crisis response people had to call and take me there and force US Bank to release my funds to me.. after that they said my account was closed but continued to send me certified checks each time stating my account was closed.. Finally a customer service worker told me I had several accounts and that US Bank had closed my old accounts unautherized by me but was my money that was stolen from I believe my insurance policy XXXX and I had no idea where the funds had gone.. But US Bank closed the old accounts by updating them with my new identity so they could get them closed.. US Bank used my new identity before I did and then tried blaming me saying I must have got the date wrong.. I finally said this is the exact thing the man who abused me does it is called gas lighting and it is a form of abuse that for someone like me it is the worst from of them all.. I attemted repeatedly to resolve this issue and until there own fraud dept said the charges where fraudulent.. After that I requested the documentation for discovering it was fraud and they have not given it to me yet and it has been 6 months.. Now after 4 certified checks according to them to close one account they are now saying I owe them a debt..Lastly I have now been informed not only have they taken my insurance funds fraudulently but they received XXXX XXXX dollars from the state of Ne in my name that I never knew about also have said horrible things about me in my new community which I now again will have to relocate.. but am unable to due to financial reasons and this will be my 4th move in a year and a half..Also I have a line of credit for a home purchase and I believe they used me saying yes by telling me they where my daughter when I received an email in XXXX or XX/XX/XXXX .. US bank XXXX it said .. I had asked if it was XXXX because I was trying to contact my daughter to let her know my intentions of leaving there.. I told her to email me and I thought she was disguising herself I then asked the emailer if they where her and they replied yes.. after that I wrote the email address begging her to speak to me believing she thought I had abandonded her and hated me.. I also told her to write me at the local DHSH office food stamps and to leave me a message there if she could not reach me.. I disclosed her medical information by telling her to include it in her emails and stae so and she would be protected by HIPPA I had no reason to believe that US BANK could act in this manner so I believed it was her and feel ashamed for being ignorant and heart broke for my daughter that I disclosed a HIPPA right that is in a class requiring special protection I can let her personally tell a CFPB personal over the phone what I disclosed but I can not list it here | ||||||
| 06/05/2017 | Yes |
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| My complaint is in regards to my mortgage company US Bank withholding my insurance funds from a Home Owner 's Insurance c laim that began in XXXX of XXXX . The amount of the claim grew substantially due to a sewer backup and the lines under my home, in their entirety, had to be replaced. In the beginning my insurance company was the one playing games and would n't release funds. I was then notified payments were to be made payable to both myself and my mortgage servicer. Work had stopped several times due to non-payment, yet out of sheer luck I was able to get a line of credit that allowed me to pay the plumbing company so work could continue. US Bank entered the scene in early XXXX , after the plumbing and concrete companies had already completed their work and had been paid in full by myself. Since that time, US Bank 's Loss Draft Department has refused to release the monies my insurance company allocated to me to continue renovation work on my home. US Bank was the one n ow playing games, not satisfied with the receipts I provided and actually requested I have the plumbing company rewrite them. Of course the plumbing company refused. After several weeks, I was finally able to ge t US Bank to release a portion of the insurance funds, however the amount was barely enough to payoff the line of credit I was forced to acquire in XXXX of XXXX . As I was getting pressure from my insurance company to get out of the hotel rooms, much work was still needed to be completed on my home. I had to finish at least one bathroom before XXXX to be able to move back in. Since that time, due to US Bank 's Loss Draft Departments refusal to release insurance funds, I have had to dip into my personal savings to continue the renovations to my home. I understand one of the issue s US B ank is having is that I do not have a Gener al Contractor. I vetted six ( 6 ) General Contractor 's since XXXX of XXXX , and with the amount my insurance company agreed to pay for the damages, no G.C. in my area would agree to take the job. This is something completely out of my control. So after hitting several brick walls, as one not to meekly sit in the corner on my hands, I took it upon myself to continue with the renovations on my own. Fast-forward to today. It is now XXXX of XX/XX/XXXX and my home is still not completed. I have exhausted my personal savings and US Bank 's Loss Draft D epartment continues to play games. I am at risk at not being able to pay my mortgage t o US Ba nk due to their own L oss Draft De partment withholding these funds, and have had to borrow from friends and family to keep afloat. I have submitted every document and paperwork they have requested, and complied with two inspections. I have submitted estimates, invoices and receipts showing all of my out-of-pocket expenses over the pas t six ( 6 ) months and where the remaining funds are to be spent. US Bank also refuses to branch endorse a final payment I received from my insurance company after much deliberation. Since the mess US Bank has caused and the complete distrust I have for them, I refuse to mail this check off so they can just hold these monies hostage too, all the while earning interest and keeping me in limbo. US Bank has caused severe non-use and loss of enjoyment to my home since XXXX of XXXX . I have no kitchen to speak of, master bedroom or bath and have been living without flooring since before even then. US Ban k 's Loss Draft Dep artment keeps changing their rules, and at one time they stated that repairs needed to be at 70 % before they would release further insurance funds. When it was evaluated at 73 %, they then said it had to be 80 %. Now they are saying it 's 90 %. How do I get to 90 % without insurance funds? I should n't have to front these renovations ; nevertheless I have and as stated before, I am now completely tapped out and can not continue forward with the renovations without the funds from my insurance company. To make matters worse, my insurance company dropped me ( naturally ), a nd am in need of Home Owner 's Insurance by XX/XX/XXXX . I have already inquired with several companies, but seeing as I have an open claim no one will cover me. I 'm not entirely sure how Home Owner 's Insurance works, seeing as this is my first home, but I know there are consequences whenever one has a lapse in merely auto insurance. I 'm in an impossible and endless loop with US Ba nk with no end in sight. I need help most desperately. | ||||||
| 12/14/2022 | Yes |
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Web | Older American |
| We submitted a Mortgage Assistance Application to the US Bank Home Mortgage on XX/XX/XXXX due to the financial hardship we had been experiencing and we were still being affected by the XXXX XXXX. My spouse 's work hours had not increased which continued to cause reduction in his pay. The US Bank approved the application and presented us with a Trial Period Plan ( TPP ) that included a loan modification and partial claim agreement dated XX/XX/XXXX. After reading the TPP, on XX/XX/XXXX we appealed the TPP because there were so many discrepancies. Here are the questions that we needed answers : XXXX ) Why is the delinquent interest listed so much {$4500.00}? Isn't the interest included in the delinquent mortgage payments? XXXX ) Why are all the available partial claim funds, {$29000.00} listed as the partial claim amount when the delinquent payment amount was only {$6500.00}, XX/XX/XXXX thru XX/XX/XXXX? XXXX ) Why are the additional 6 months XX/XX/XXXX thru XX/XX/XXXX included in the partial claim if we are required to continue to make modified payments after the 3 month trial period ends? XXXX ) If we are required to continue to make modified mortgage payments after the 3 month trial period ends, why is the first payment start date listed as XX/XX/XXXX? XXXX ) The TPP breakdown shows delinquent payments added into the unpaid principal balance which brought the account current, why are the additional 5 months XX/XX/XXXX thru XX/XX/XXXX totaling 9 months including the 4 month delinquent XX/XX/XXXX thru XX/XX/XXXX added into the partial claim amount and processing time? In addition to our questions the appeal letter stated that the modified payment was lower than our current payment and it is not. New modified payment amount was {$1700.00} ; our current payment amount was {$1600.00} ; modified interest rate was 6.000 % ; current interest rate is 3.125 %. The US Bank denied our appeal request and sent letters to answer all the questions and concerns we had about the TPP. In the letters were a calculated breakdown of the new modified loan and partial claim amounts. In our opinion, the letters were lot of bank jargon which didn't make any sense. ( see US Bank letter dated XX/XX/XXXX and XX/XX/XXXX ). After our appeal was denied in good faith we made 2 TPP payments. We opt out of the program on XX/XX/XXXX when the third payment was due because of the many discrepancies and we had not received any written new loan modification and partial claim agreement documents from the US Bank. On XX/XX/XXXX we received a letter from the US Bank that our customer assistance option had been revoked due to noncompliance with the terms required ; XX/XX/XXXX we contacted our Relationship Manager XXXX XXXX mail inquiring of the foreclosure prevention option and requested a principal deferment or to use our available partial claim funds to bring the account current since the previous option had been revoked ; XX/XX/XXXX we received a US Bank letter that they were initiating foreclosure actions and the account had been referred to their attorney ; XX/XX/XXXX we sent the US Bank a copy of the HUD approved counseling agency review which they had recommended that we do. The review included FHA foreclosure prevention options. XXXX of those option was a partial claim. We requested our available partial claim funds, {$29000.00} to be used to bring the account current. The delinquent amount is {$11000.00} ; XX/XX/XXXX we received a letter from the US Bank that they had received our Customer Assistance Application and determined the application was incomplete and requested additional information due no later than XX/XX/XXXX ; XX/XX/XXXX we received 3 letters from XXXX XXXX, XXXX informing us that " the property is in foreclosure as a result of the owner 's default. Within 60 to 90 days, the title to the property is expected to be transferred to the US Bank National Association ; XX/XX/XXXX we emailed the additional information to XXXX. as requested. The US Bank requested this information prior to initiating the foreclosure activities. What was a simple solution turned into chaos because the US Bank was abusing and misusing our available partial claim funds. The thought of losing our home is very, very overwhelming. The attached file will show letters and documents sent to us from the US Bank to solidify our complaint. Our home market value is currently {$340000.00} ; the unpaid principal balance is {$190000.00} ; there are no other liens on the property other than HUD. Yes, I would want the title to the property too. | ||||||
| 06/20/2019 | Yes |
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| I was taken advantage of by a debt counseling program which was resolved by the attorney generals office. At the time it was resolved and I was made whole, I contacted both creditors involved. They were both owned by US Bank, but one was a Visa and the other was an XXXX XXXX. The Visa department had no issue with working with me and keeping the same arrangement and terms. They were willing to refund the fees and interest as well as reduce the APR. They were understanding of the fact that if not for the lack of actions by the debt counseling program I would have made timely payments. I started out owing them over {$1100.00} and currently owe them {$550.00}. The XXXX XXXX division refused to work with me. They basically said that they did not care why the payments were not made that the fees would stand. Additionally, they would not keep the terms that they had previously agreed with the debt counseling program with me. I continued to call them and battle with them and eventually they sold off the account. At that time I received correspondence from two entities claiming that I owed them for this account. XXXX XXXX XXXX and XXXX XXXX. I called both explaining to them the previous circumstances and that I needed something in writing stating that they were the owner of the debt. They basically laughed at me, mocked me and threatened me with suing me and ruining my credit, which was already being done. I left voice messages, I clicked on the contact us button on XXXX website leaving messages regarding the situation. When I would call they would route my call to the same guy and he would harass me by speaking down to me and asking me many questions to verify who I was and some I was not comfortable with answering or did I think was necessary, especially since they were not willing to verify their position or control of the debt, therefore he would proclaim that he could not tell me ANYTHING and would end the call. I explained over and over the situation previously resolved by the attorney generals office and they just mocked me, called me a dead beat in so many words and just refused to work with me on any level. I first placed debt with the debt counseling company in XX/XX/XXXX. I have been diligently tracking this account since for 23 months and it has been as taxing as a full-time job. Even when I explained to XXXX that I had lost my job and was still willing to work something out, they just refused me at every turn to create something in writing. They wanted me to send in blind payments or pay it in full I was not willing to do the first and not capable of the latter. If any one of the entities, US Bank, XXXX XXXX, or XXXX XXXX had been willing to work with me and give me something in writing, be fair and understanding to the fact that I was doing everything I was capable and topped with being defrauded by the debt counseling company we would NOT be in this situation, today and they would have received much payment as well as releasing their hostage hold on my credit score. It is because of their negligence that we are in this situation now. The emotional toll and the stress of my due diligence has been significant ( I have received professional counseling, due to the toll it has taken on me ) and I deserve to expect compensation of these damages, not to mention the detriment to my credit. I believe US Bank was more concerned with running my credit into the ground and sticking it to me than they were willing to work with me. My credit has suffered due to this for 23months preventing me from any other credit options or financing to remedy this. I believe XXXX XXXX lumped me into a group passing judgment on me rather than listen and realize the special circumstances and work with me., either way it is there negligence things have come to this point and my damages at this point are more significant than theirs, complied by the fact that I have been in contact with someone regarding this account every month for the last 18months minimum, I dont feel they should be allowed to collect. At this time, XXXX is suing me in XXXX Municipal Court. Additionally, it was not until COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX was answered that I knew emphatically whom the debt was owed, except for the fact that just a week or so prior to receiving the answer they sued me. I have no other accounts in collection ; all of my accounts are paid as they are supposed to - my reputation and status of ALL other accounts proves that I was willing at all times to pay this debt, if I had just been allowed. | ||||||
| 08/22/2017 | Yes |
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| In XXXX of XXXX, I contacted my mortgage servicer, US Bank ( loan number XXXX ) about paying down my principal balance in order to have my PMI insurance removed. They sent me a letter dated XXXX XXXX which outlined what needed to be done in order to have my PMI cancelled. In that letter, they state the amount I should pay to reach the 80 % LTOV amount as well as that I needed " evidence that the value of the property has not declined below the original value ... '' I took this to mean that I would provide a written evaluation. I paid {$3400.00} on XXXX XXXX, XXXX. They sent me a second letter dated XXXX XXXX, XXXX which again stated the PMI removal requirements. Also, in that letter they state that federal law provides me the right to request that PMI be cancelled by ... " based solely on actual payments, the principal balance of your loan has actually reached 80 % of the ORIGINAL VALUE of the property. '' No where in this letter or the previous one are the words third party appraisal or third party opinion mentioned as it pertains to the 80 % of original value rule. After a few weeks of not hearing anything, ( I just assumed my PMI was being cancelled ) I made another phone call. They stated that I must send in a letter. I wrote the letter asking for this process to begin which seemed rather foolish since I had told them directly on the phone. It seemed at this point that the bank was delaying this process as much as possible. I called pretty quickly after I sent the letter in to make sure they got it and learned, only at this point, that someone had to come out to my property to evaluate it. So I said ok, but again there was considerable delay in this process beginning, apparently there was confusion as to who was coming to my house. Finally I received a letter on XXXX XXXX with an appraisal that showed the value of my property had declined by {$2000.00} ( which I highly dispute ) and therefore I needed to pay an additional amount if I wanted my PMI removed. I told them no, it was hard for me to believe that my property declined in value and requested that my {$3400.00} be returned to me. This person said OK, she would do that. After several weeks, I had not received my money, I called the bank again. This was probably around XXXX XXXX. I was told by someone at that point that my PMI WAS going to be removed and I should be getting a refund check for my previous month 's PMI payment. Again, nothing happened and today I checked the account online and the PMI was still on there. I called today ( XXXX XXXX ) and asked what happened with my PMI being removed and they could not give me an explanation other than that person did not know what they were talking about. I asked for my money to be returned and was told it could not be. This person was in the mortgage insurance group that told me that. I told her that that was completely unfair and they were not acting in good faith or as a proper fiduciary. I asked about the person who originally told me my money would be sent back to me and she said they were in customer service and transferred me there. I explained to all to them again and they sent me back to the mortgage insurance department where this person told me to write a letter and the money would be returned to me. I asked her to explain how someone just told me that it could n't be and she finally did some research and said that it actually could not be returned because thirty days had elapsed since it was paid in. First of all, I feel, based on the original letter they sent which I based my whole intent on, I have fulfilled my obligations to have PMI taken off of my account and I should get a refund of PMI since the date I paid the {$3400.00}. They have willfully dragged this process out and could have been handled in a few days which goes all the way back to XXXX. If that can not be done, I would like my principal returned to me since, if they are requiring a third party to evaluate the property, that should be done in advance of my payment to reduce the principal. This whole process has been covered in ambiguity and delay. I believe there must be some incentive for the bank to not cancel PMI. Also, almost everyone I have talked to at this bank have told me complete falsehoods or are completely unaware of internal procedures. I would therefore also request that personal damages be assessed to this company for putting me through this emotional distress as well as punitive damages should also be assessed for failure to act in good faith and lack of any fiduciary capacity. | ||||||
| 08/29/2022 | Yes |
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| In reply to U.S. Bank 's letter to me dated XXXX XXXX, 2022, it again intentionally and deliberately fails to address every issue raised in my complaints. I have reached out to FINRA and the OCC as well, in the hopes that XXXX XXXX and her team see that I will not allow their dishonesty, retaliation and discrimination in their replies to my complaints. First, the issue with my investment accounts never being transferred to the managed XXXX XXXX XXXX was never completed by XXXX XXXX XXXX. This is a failure to execute on his part, done entirely out of retaliation for my terminating the financial advisor relationship with him. This failure to execute and act potentially cost me loss of gains and profits. U.S. Bank has not once addressed this issue. In the XXXX XXXX response letter, U.S. Bank fails to address the discrepancy between XXXX XXXX 's e-mail to me in XXXX and then again his voicemail and email to me in XXXX, all of which take extremely different tones -- tones of retaliation and an unwillingness to help me -- after I terminated the financial advisor relationship with his counterpart, XXXX XXXX XXXX. XXXX XXXX never once mentioned in any of his XXXX correspondence to me that he was out of the office, as U.S. Bank alleged. Wouldn't XXXX XXXX welcome the opportunity to explain why he didn't respond to me, rather than tell me he won't work with me, if he were truly out of the office? U.S. Bank is being dishonest and unethical in their response, and the proof is right here for them. U.S. Bank will address this discrepancy or I will continue to file good-faith regulatory complaints directly against their licenses and with U.S. Bank , until such time as XXXX XXXX and her team explain, in detail, the extreme amount of plainly obvious retaliation, discrimination and treating me differently than other customers who did not file good-faith regulatory complaints for these reasons. Next, it is impossible for U.S. Bank to have an apartment number for me that I have never lived at -- impossible. There is no need for me to change my address, because I have already done so, and none of those address changes ever included an XXXX XXXX. U.S. Bank 's XXXX XXXX response to me is a deliberate and intentional lie by XXXX XXXX to once more cover up their deliberate mistreatment of me and their dishonest and unethical practices. I have attached address change letter dated XXXX, XXXX, which is two days before XXXX XXXX 's response to me on XXXX XXXX, and it very clearly shows that U.S. Bank XXXX XXXX changed my address from XXXX XXXX to XXXX XXXX. Nowhere in that letter is there anything related to XXXX XXXX, as U.S. Bank says in their CFPB response letter on XXXX XXXX that this is the address they have on file. XXXX XXXX is openly lying about hers and U.S. Bank 's knowledge of my address and sending me documents to the wrong address, which means that she and XXXX XXXX 's team have now compromised the safety and security of my private information and my account information with them. I want XXXX XXXX to explain the intentionally dishonest discrepancy between her XXXX XXXX response and the attached address change letter. I will not allow U.S. Bank nor XXXX XXXX and her team to further intimidate and coerce me into facts that simply aren't true. XXXX XXXX and her team are knowingly providing false and factually inaccurate information to the CFPB and to me, and I am attaching proof of this. In the XXXX XXXX response letter, it states that XXXX XXXX has now agreed to take over my relationship with XXXX XXXX. Yet, in XXXX XXXX 's response letter to the CFPB, she states she is still looking to put in place a long-term team. So, which is true -- is U.S. Bank lying then? Are they lying now? Or do they not know which lie of theirs to believe? XXXX XXXX also provided me no backup banker in her absence, which is another example of how U.S. Bank is lying with regard to me being treated fairly and equally. XXXX XXXX and her team continue to knowingly coerce, discriminate and retaliate against me for what is very plainly just that : coercion, retaliation and discrimination for raising good-faith complaints, with proof, of their actions mentioned herein and in every other complaint that has been filed, and will continue to be filed, against them. I have also never received a single response from U.S Bank 's internal compliance person, XXXX XXXX, whose letters to me state he is investigating my compliance complaints. In XXXX XXXX has failed to provide any response to me as agreed to in his attached letters. | ||||||
| 08/19/2022 | Yes |
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| In XXXX of XXXX we were on a mortgage forbearance due to Covid. In XXXX of XXXX, I began calling US Bank to see what our options would be for resuming payment and getting back on track with out mortgage. I was told we would have to pay {$14000.00} or do a loan modification. My spouse lost his job during covid and I was on reduced hours so we did not have a large amount of money to give. We did the modification which was explained to me as being similar to a refinance and we would just be paying our loan off a year later to get back on track. Paperwork was mailed to me and they just asked that we sign off and return it. We resumed payment XXXX of XXXX. In XXXX of XXXX, we sold our home and the payoff amount was more than we had bought the house for in XXXX. Ive been trying to get an understanding on how or where this {$14000.00} came from. I have made several attempts since XX/XX/XXXX to request a breakdown of charges. I have spent countless hours on the phone with reps from different departments as well as senior reps and supervisors. I went into a local branch to beg one of the bankers to help me see this through. The only thing Im being sent is a copy of the loan modification which doesnt give the month to month breakdown of how we reached {$14000.00}. I just want to make sure Im being charged appropriately. Every time I call I get conflicting information. I have emailed the consumer advocacy group as well and have yet to get a response at this time. See below for a breakdown of calls : XX/XX/XXXX @ XXXX Spoke to XXXX with loss mitigation who ultimately hung up on me. I requested the itemized breakdown. She also stated that on XX/XX/XXXX US Bank paid {$1400.00} in taxes. This makes no sense nor does it add up. This is where she hung up. XX/XX/XXXX - called back in the evening and spoke to Supervisor XXXX whom stated modification can not be undone. Requested to speak to her manager ( XXXX XXXX. ) but XXXX stated he doesnt take phone calls. I asked her to ask him to speak with me anyway but coincidentally he was in a meeting. I requested the itemized break down again. XX/XX/XXXX - Spoke to rep XXXX stating interest amount was {$6000.00} and escrow {$7000.00} which again doesnt add up. I was transferred to senior rep XXXX who stated this was a balloon payment. Then stated it wasnt. He also stated I was being charged duplicate interest. Im guessing the interest paid in XXXX and also the amount modified? Either way Im not ok with this. XXXX stated he would request a rush on the itemized breakdown that was already requested. XXXX - Spoke to XXXX in customer service whom stated requested documents were mailed XXXX. Also, requesting copy of email that was sent because it would not open the first time. I was transferred to XXXX in loss mitigation again. XXXX also stating it appears we are being charged duplicate interest. Stating we were charged {$6400.00} in interest and {$8900.00} in escrow which still doesnt make sense and why conflicting numbers than previously stated? XXXX @ XXXX - Received documentation from US Bank with a copy of modification and a break down of monthly interest, principle, and escrow as well as term date and monthly payment. I already have this info. This is not what I requested. So again I call US Bank. A rep by the name of XXXX answered and told me I had the wrong line without even listening to my reason for calling. She transferred me but US Bank closed in the mean time so I got no where. XX/XX/XXXX @ XXXX - spoke to XXXX XXXX XXXX XXXX? Then transferred to senior rep XXXX again. XXXX then sent me to a relationship manager named XXXX whom claimed she was reviewing account then suddenly I was cold transferred and the call was disconnected. No one did reach back out after that. XX/XX/XXXX @ XXXX - XXXX XXXX transferred me to senior rep XXXX XXXX XXXX was very helpful stating she wrote detailed request for itemized statement of charges for each month in forbearance. XXXX stated she put a rush on it but at that time it showed a completion date of XX/XX/XXXX. XX/XX/XXXX @ XXXX Spoke to XXXX XXXX whom stated she was emailing a payoff quote ( I did receive that ). Also, stated the request made by XXXX was not completed yet. I have made several attempts since XX/XX/XXXX to check on the status of my many requests as well. It was never completed and each rep would just say they can request it. Im ok with a request if theyre going to follow through. However, at this point its been months and I still have yet to receive the info Ive been requesting. | ||||||
| 11/09/2021 | Yes |
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| The XXXX People involved are XXXX ) XXXX XXXX XXXX Business Banking Relationship XXXX XXXX | XXXX XXXX ) XXXX XXXX XXXX XXXX | Business Banking P. XXXX | XXXX XXXX | XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX | XXXX | www.usbank.com I had made a payoff request from usbank that provided the loan on XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX The reason being that I was selling the property and I would need that statement during the closing to release the money to me and dispense all liabilities. On XX/XX/2021, I made a request for payoff statement official by sending them a purchase contract even though I have been requesting it for XXXX months prior. I have documents to prove that. They had received the purchase contract and promised to get working on it. I had thought that this would be quick now that they had the purchase contract. The XXXX house was XXXX of XXXX houses that UsBank used as collateral for a commercial loan. So I figured that they would just divide the loan up amongst the properties and the outcome would be the payoff amount for XXXX home. However, it was not. The bank decided to put me through a rigorous application phase - kind of like the one you would go through for application on a brand new loan. They asked for all my financials, they used an appraiser and a title company. Obviously this started taking weeks to process. Inspite of my protest, they continued to treat this like a new loan application stressing that this is the way they do things. Instead of initiating a multi-prong action such as title search, home appraisal, document processing and underwriting work, they did things one at a time. Every step in the process was painfully slow. XXXX week they would bring up an issue that came up in the title search. Than couple of weeks later, they would bring up another issue that the title company had found. I have pleaded them to speed up the process but all I get are excuses and continuing delay. I still haven't received the Payoff Statement to this day. Since submission of purchase contract it has been XXXX days. But I had filled up request much earlier and so would really be running about 125 days. Without payoff statement, I haven't been able to get the money ( proceeds acquired from sale of XXXX house on XX/XX/XXXX ) released from the selling title company. The absurdity of it all is mind boggling. Infact, the latest issue brought up on Monday last week, only when I called to inquire, was that the title company found a few liens on my properties. However, presently they haven't called me to describe the nature of the problem to me. Another issue that came up is that I made a request to get more money out of the loan since they decided to treat it like a new loan - again, not at my request. After a few weeks, they refused to do so. I asked for the reason or the criteria that I failed to meet. They gave no reason and left it at that. They also wanted me to pay off {$70000.00} on the loan from the sale of XXXX home. I found this to be highly irregular and unfair. Specially so since I have been made aware that the bank is still giving out commercial loans to people up to 70 % LTV ( loan to value ). XXXX years earlier, when I first received the commercial loan I was at 50 % LTV. Since then my properties have appreciated in value and my loan stands at around 30 % LTV. After the sale of XXXX house to pay the bank {$70000.00}, my loan would still be at 30 % LTV. Considering that they were redoing the entire loan, I figured that I could qualify for more money out. I was well aware that my financial situation is even better than it had been XXXXyears ago when I first got the loan. The request was for additional {$100000.00} cash and that no money be taken out of the sale XXXX house. It made sense to do so as it would land me at 46 % LTV ( less than 50 % LTV when I first got the loan ). Which is a number far less than the max of 70 % LTV. So when they refused, it didn't make sense. Presently they still wouldn't tell me why. The XXXX people mentioned above are the ones I have primarily communicated with. I was never initially told that they were planning on a complete remodification of loan even though I only asked for a payoff statement. They have remained very vague about the whole process and unapologetically making excuses, blaming third party for delays. They keep mentioning that they have no control over this but wont connect me with anybody who does. This is clearly an indication that I am being treated unjustly. | ||||||
| 12/24/2019 | Yes |
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Web | Servicemember |
| " U S BANK LLC, U S BANK HOME MORTGAGE, and U S BANK NATIONAL ASSOCIATION, et al. '' hereinafter referred to as " the Debt Collection Banks '' have violated several sections of the Fair Debt Collection Practices Act ( FDCPA ) including but not limited to Sections 805 ( b ), 805 ( c ), 806 ( 1 ), 806 ( 2 ), 807 ( 2 ) ( A ), 807 ( 2 ) ( B ), 807 ( 3 ), 807 ( 8 ), 807 ( 9 ), 807 ( 10 ), 812 ( a ), and others. The Debt Collection Banks violated FDCPA Section 807 ( 11 ) a least ninety-six ( 96 ) times beginning in XX/XX/XXXX because they never disclosed in any of their communication " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ''. The Debt Collection Banks violated the Truth in Lending Act ( TILA ) Section 125 ( 15 USC 1635 ) as well as title 12 of the Code of Federal Regulations Section 1026.23 ( Regulation Z ) by failing to provide disclosure of the obligor 's right to rescind the credit transaction which examples of rescission model forms are provided in Appendix G and Appendix H of Regulation Z. Pursuant to Title 12 of the Code of Federal Regulations Section 1026.23 ( b ) ( 1 ) of Regulation Z, ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires. ( 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice. U S BANK, NATIONAL ASSOCIATION never provided the consumer with the model form in appendix H referred to in 12 CFR 1026.23 ( b ) ( 2 ) after they purchased the credit sale on XX/XX/XXXX. Although I am not liable for the alleged debt of {$90000.00}, I made a counter-offer of XXXX troy ounces XXXX silver coin valued at {$1000.00} an ounce to settle the debt as a common-law courtesy. On XX/XX/XXXX, I called and spoke with a U S Bank Home Mortgage representative by the name of XXXX ( whose U S Bank Home Mortgage representative ID number is XXXX ) hereinafter referred to as Representative XXXX at XXXX XXXX After speaking with a supervisor to verify whether or not the counter offer of XXXX troy ounces XXXX silver coin would be accepted, Representative XXXX informed me that they do not accept silver bullion as lawful money and rejected my counter offer which lawfully discharges the debt. On XX/XX/XXXX, I received a letter stating that the " credit sale '' construed as a " loan '' was sold/transferred to U S BANK N/A without my prior written consent or permission. Pursuant to TILA Section 111 ( c ) which is also codified in title 15 USC 1610 ( c ), in any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this subchapter in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale. It is a fact, I never authorized the assignment, sale, or transfer of ownership of my credit transaction in a letter from U S Bank dated XX/XX/XXXX, which is a deceptive form pursuant to FDCPA 812 ( a ) alleging the credit transaction is a mortgage loan which is false and misleading. I was supposed to receive disclosure of my right to rescind this transaction and invoke my right to rescind the credit transaction which was consummated XX/XX/XXXX, without permission of the consumer. The Debt Collection Banks have violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act as well as the Truth in Lending Act/Regulation Z. | ||||||
| 12/30/2017 | Yes |
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Web | Older American, Servicemember |
| In the fall of XXXX, I was banking with XXXX XXXX XXXX for my business. I secured an equity line of credit from them for XXXX to help me expand one of my businesses. This loan was at a very low rate and required interest only loan payments. Shortly after acquiring this loan, XXXX XXXX XXXX closed and US Bank took over my existing interest only loan. The recession that began in 2008 really impacted me and my newly expanded business did not survive it. Despite having to close that business, I continued to make my equity line of credit payments on time every month for the entire 10 years of the loan. My main business, and source of income, during that ten year loan period, was a family owned business which was averaging XXXX in gross income yearly. Unfortunately, my family business suffered a catastrophic fire on XX/XX/XXXX, which forced us to close down abruptly. This inevitably created many financial issues and stress for myself, and my family, and lowered my credit score to below 700 for the first time.When the equity line of credit was coming up to be due ten months later, I called US Bank to discuss renewing my loan. At this time, I was in the middle of a lawsuit with the owners of the property where my business burned down and my source of income was significantly reduced. We talked about acquiring a new loan, including paying off my first mortgage with XXXX, which was down to XXXX at that time. The response from US Bank was that my credit score was XXXX and because it was below 660, they could not complete my loan renewal. This was the beginning of a long nightmare with US Bank. Even though I spoke with the underwriter at US Bank at that time and he advised me that I was so close to the credit score of 660 that within 30-45 days, my score would increase enough because there were several corrections being made to my credit report. Within one month of the equity line of credit expiring, despite working with them to try to renew the loan, US Bank reported me delinquent with my loan and they billed me for the XXXX. More than a year ago, I tried securing a loan from other financial institutions because US Bank had listed me delinquent and they were refusing to respond to my phone calls and when I spoke to anyone there, they would not answer any of my questions or confirm that they were working on providing me with a new loan. I contacted dozens of other funding sources, including trying to get a VA Loan, which I should be entitled to as a Veteran but each time I tried, no one was willing to provide me a loan because of the delinquency on my credit that was reported by US Bank. As a result of those loan applications, and US Bank reporting me delinquent, my credit score has gone lower than it ever was before and it is now too low to secure any legitimate loan.For the past year and a half, US Bank has continuously requested financial information from me. They have been calling me on a weekly basis requesting more information throughout the past 18 months, which made me believe that they were working on providing me a new loan to take care of the expired equity line of credit. At one point during my negotiations with US Bank, I offered to pay XXXX cash up front towards my loan, which would have lowered my total balance owed to them to under $200,000. This would’ve reduced my loan to value of my home to be as low at 58%, which for any bank would be a comfortable deal but they never responded to this offer. I have supplied US Bank with all of their requested information, which has been multiple items, and often included duplicate information of things I previously gave them because they would somehow misplace what I sent and request it again. A few weeks ago, I spoke with the loan person handling my account and she advised me that they had all of the information they needed from me and I should hear back from them within a few weeks with a decision about what loan options they could provide me. Last week, I received a letter from US Bank demanding payment of the entire equity line of credit, plus interest, which stated a total of XXXX was due within 30 days of the date of the letter (which it was already more than a week into that 30 days when I received the letter).The tremendous stress this experience with US Bank has caused me and my family is beyond words. My wife has developed a rare form of XXXX XXXX, which her doctors have reported has been caused by stress. It has been a complete nightmare dealing with this for the past year and a half. | ||||||
| 09/17/2021 | Yes |
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| My fiance and I have had a loan with US Bank for 14 years and have not once been late or missed a payment. We got an email of them promoting refinancing and home equity loans, so thought about wanting to use our home equity to consolidate our debt. We called on XX/XX/XXXX and spoke with a representative that took our application over the phone. We were told before hand my the US Bank Rep that they take into consideration us being a long time customer with them, if you do not meet the requirements. We were also told that the process takes 2-3 days to find out if you are approved or not. We submitted all of the required documents to the Portal that was assigned to us. We had be also assigned a loan officer XXXX XXXX. After waiting almost a week and calling and leaving voicemails and emailing Ms. XXXX and getting no response. Seeing that our status was saying processing. XX/XX/2021. My fiance finally got a hold of her on the phone. Asking if there was anything they needed from us, or if they came to a decision. Ms. XXXX said, we didn't qualify, so that's why they left the status of the portal not updated. It seemed that she had no intention on contacting us at all. XXXX my fiance said, well that's how you guys work, no one calls or offers alternatives etc. Then, Ms. XXXX, said maybe I could qualify by myself. So we tried her again in the evening and my fiance expressed how unpleased she was with their whole process of not handling things professionally. Her lack of professionalism to return calls and emails. I think got on the phone and asked what happened to you guys taking consideration for loyal customers that be been with you almost 20 years. She then expressed that, it applied to people who had checking and savings accounts, I guess not people with $ XXXX mortgage. I expressed how frustrating this was since we were trying to consolidate or debt and used the equity we've busted our buts creating by paying our mortgage every month on time, for 14 years. I then said okay fine I'll try to apply alone if you think it would help. She then told me their process ; that I would have to submit another application, in which they would run my credit report when it's was ran less then a week ago. I asked that I didn't want another soft or hard hit inquiry on my report so my credit score would go down. She explain that was their policy I think asked her to speak with someone above her to see if the consideration, we were promised could be exercised on this matter. She denied my request and said unfortunately these are their rules and policies ; she said I wouldn't however have to upload my financial information, paystubs and bank information since she could use that from the other application that I filed with my fiance who is the co borrower on our mortgage, which I thought made no sense, but you can't make an accept and do the same with my credit score and information since it hasn't even been 10 days. I then asked well you see my numbers and my debt to income ratio, credit score. Will I be approved or denied, she then said she doesn't know. This throw me off, how could you not know when you have my full report. So, it seemed like she knew the answer even though jeopardizing my credit score was no interest to her as long as she attempted to act like she cared, since she openly admitted with my fiance, the reason no one contacted us is because we didn't qualify. I asked Ms. XXXX once again for someone above her to see if they could make an exception to not running my credit score again since it was ran a few days ago, by their financial intuition. The same intuition that doesn't return calls or update loan application status. She finally gave me a XXXX XXXX, who was the VP dept. She didn't offer to transfer me, she just gave me the number. I then had to ask, well do I call him and explain the situation myself without to giving context or a backstory. She said, oh she can if I'd like. Well I was appalled by this response and said sure. I then called Mr. XXXX XXXX and left a voicemail. My fiance emailed him at the same time. No call back, but this morning bright and early at XXXX in the morning an adverse action notice from whom other, then Ms. XXXX XXXX finally trying to do her job and cover her XXXX. I don't know what is the deal with this company. But, 14 year members, shouldn't feel like they are being discriminated by their credit score or race, and shoved into the corner like a dirty rag. I am truly disgusted and hurt by the professionalism of this financial intuition. | ||||||
| 06/26/2023 | Yes |
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| I was effected by Covid. I went on forbearance and then had a partial claim put on my mortgage of {$25000.00}. I was still having a hard time financially so I applied to the Kentucky HAF program and got approved for the full amount of {$35000.00}. I was a few months behind on my mortgage when I got approved. They brought my account current and said they would pay an additional 6 months worth of house payments. I read the guidelines and spoke to HUD and they said I could use the rest of the {$35000.00} to pay off my partial claim with HUD. Kentucky said that they did not allow that under their guideline even though I read the guidelines and it said the money could be used to pay off a past due balance. They said that since it is not showing as late at that point, that they do not consider that to be a past due balance. So if I would have applied 3 months sooner than I would have been able to not have the {$25000.00} partial claim previous balance that I still owe? That did not sound right and was just told that was XXXX rules. No one from US Bank told me about HAF when going over options even though I was obviously qualified for that program. Toward the end of the 6 months I get XXXX letters. XXXX from US Bank and the other from KY HAF program telling me that I was coming to the end of the help and I needed to resume payments on XX/XX/2023. They were always late making the payment on the last few days of the month so I was used to checking around the XXXX. In XXXX no payment was made at all. I called and was told they were short handed and XXXX sent all payments at once and to check back in a few weeks. So toward the end of XXXX I called and I was told that the payments were made. So a few days later I paid for XXXX payment on XXXX I believe. A few weeks later I log on and notice US bank has me still owing for XXXX. So I called and I was told that they were still processing payments and to call back in XXXX weeks. They said I would not be charged a late fee. Every time I called KY XXXX they told me they contacted their contact with US bank and they were working on it and to call the bank back in a few weeks or XXXX business days. Every time I called US bank they told me they still did not have it posted and to call back in XXXX weeks. Well I was told I should not make a payment until that one posted. I assumed they were saying me making the XXXX payment at the end of XXXX is what caused the probem. I called and emailed both places when they told me so with no developments. I even asked HAF for their US bank contact and was told they could not give that to me but they sent them the wire information. Well a few months went by to I was 90 days late on my mortgage. I was told by US bank that it would be corrected when they got the payment from HAF. Once I started getting calls from the the loss mitigation department the tone changed. I was told that I needed to catch up all the payments including the one that HAF was supposed to pay or go into default. So when I got my tax check I just made all of the payments thinking that I would just get a credit when it went through. After I made the payments I got an email from the lady at HAF and she said good news! I see the payment went through. You can go ahead and make the rest of the payments now. I emailed he back and told her the I was the one who they received a payment from, not them. She said she would call her contact and get back with me. Then 2 days later I get a call from a XXXX, her supervisor telling me that they paid all they could pay. That the letters I got saying my first payment would be due XXXX XXXX was an error. I did not know when the 6 months was up because I thought they started payments around XXXX for the previous balance and then 6 months from there. That also did not seem right since I got XXXX letters, XXXX from each company telling me when to resume payments. Plus I had been in contact with her office for months of them telling me they made the payment and to just be patient. I also told XXXX that US Bank said I was late since they never receive payment from them so that I had a XXXX and 90 day late on my credit report. She said she would contact US Bank to see about getting that removed and I never heard from them again and nothing got removed. I did have someone hit my car in my driveway and totaled it. I then had to finance a new car with a credit score of XXXX, instead of the XXXX I had prior to the mortgage lates. Obviously that has me paying a lot more in interest for the car. | ||||||
| 03/03/2021 | Yes |
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| I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, ( Turner v. Experian Info. Sols., Inc. , 2018 WL 3648282, at *3 ( 6th Cir. Mar. 1, 2018 ) ; Peart v. Shippie, 345 Fed. Appx. 384 ( 11th Cir. 2009 ) ). At this time, Ive provided the information to the credit reporting agency on XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act ( Andrews v. Equifax Info. Serv., 700 F. Supp. 2d 1276 ( W.D. Wash. 2010 ) ). In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, one court noted : [ t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. ( Poore v. Sterling Testing Sys., Inc., 410 F. Supp. 2d 557 ( E.D. Ky. 2006 ), citing Bryant v. TRW , Inc., 487 F. Supp. 1234, 1242 ( E.D. Mich. 1980 ), affd, 689 F.2d 72 ( 6th Cir. 1982 ) ). I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. ( Rothery v. Trans Union , L.L.C., 2006 WL 1720498 ( D. Or. Apr. 6, 2006 ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( 15 U.S.C. 1681e ( b ). See Williams v. First Advantage LNS Screening Sols., Inc. , 238 F. Supp. 3d 1333, 1346 ( N.D. Fla. 2017 ) ( CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. ( Carroll v. Exxon Co., 434 F. Supp. 557 ( E.D. La. 1977 ). Cf. Smith v. Ohio Sav. Bank, 2008 WL 2704719 ( D. Nev. July 7, 2008 ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ). In Cahlin v. General Motors Acceptance Corp., the Eleventh Circuit explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX. Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax Info. Serv. L.L.C., Experian Info. Sols., Inc. , and TransUnion L.L.C. , IV ( F ) ( 6 ) ( May 20, 2015 ) ), and supervision by the Consumer Financial Protection Bureau XXXX the system was somewhat reformed, but serious deficiencies remain ( XXXX XXXX XXXX , XXXX XXXX & XXXX XXXX , XXXX XXXX XXXX : Ten Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX XXXX ) ). In my research, according to FCRA 611 ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation. The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from F B & T, how are 1 ) they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and 2 ) how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute? | ||||||
| 12/03/2020 | Yes |
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| XX/XX/2020 got online with XXXX.XXXX. Their number is XXXX and his name was XXXX XXXX . I was attempting to purchase a XXXX XXXX named XXXX. She is still on the site. They text me back and said she would be {$650.00} with a {$150.00} transit fee. They asked if i had XXXX XXXX and I do. So sent the funds of {$800.00}. She would fly from XXXX to XXXX in the cargo. The next day they text back and said they needed an additional {$1200.00} for insurance with the carrier. Told them I could not afford that, that I didn't have that. So I told them I would not be able to get the puppy because of the additional fee they required ; even though they said it would be refunded once she arrived in XXXX. I knew there was a problem. So I asked for my {$800.00} to be refunded and they quit communicating. So I called XXXX XXXX. They had an email and a telephone number. I called the telephone number to resolve this fraud quickly. Little did I know that XXXX XXXX was hacked XXXX XXXX weekend and thousands of people were scammed as well as myself. It was reported on XXXX XXXX XXXX out of South Carolina my friend forwarded it to me. So I am on the line with what I thought was XXXX XXXX. They asked me to download their support App to resolve the issue. I did. I was not aware that the app gave them access to my telephone and any information in it including my US Bank Checking Acct and US Bank Credit Card. We spoke for maybe an hour and then they asked if i had any money in my bitcoin and XXXX XXXX XXXX. I stopped them their wanting to know how they knew about that. They said they guessed and the only other way they could assist is by my going to XXXX and getting a XXXX XXXX card for {$150.00}. I went to XXXX and got one for {$10.00}. They were livid and demanded that i get one for {$150.00} and that is the only other way it would work. Knew i had been scammed again. I know it took long enough for me to figure it out. I emailed XXXX XXXX and they said that they did not have a phone and only used email. It would take several months to clear this up and they would get back with me. I called US Bank and they said i needed a police report. So i had reports completed by the XXXX KS Police Department. XXXX, XXXX and then in XXXX filed another report XXXX as per the Financial/Computer Crimes division. Still havent heard from them and call most daily and leave messages. They are working from home so it is harder to get ahold of them. The fraud dept of US Bank found in favor of the scammer. The {$800.00} payment for the dog was denied stating that i received product of which i did not. They also said that XXXX XXXX was not willing to deal with them. Then the other transactions that were pulled out of my checking and credit card with US Bank were denied stating that it was my fault as I downloaded the app giving them access. Even though I did not willingly of knowingly do so. They also said that the 3 banks involved were not willing to work with them. They would not give me the information but would to law enforcement and I have had no luck with them. XXXX Financial/Computer Crimes still hasnt assigned anyone to my case. I have called them almost daily and still not gotten an answer and have left numerous messages and did again when i called XXXX. US Bank gave me the number to US Bank Corporate Security XXXX and said they would work with the police department. I have lost a total of {$6600.00}. I just cant afford that. I am trying to get them to really close the acct as I have automatic payments sent each month to other agencies. I have told the other agencies and now making payment through XXXX XXXX XXXX XXXX. But I dont have access to my US Bank online i have been locked out so I cant change any of the information so the amount continues to increase as a negative balance currently at {$1400.00} this week. I paid off the negative balance last week. I was able to close the new account as the negative balance was {$36.00} from an Overdraft Return fee. Which I was told they would waive them all but they are not. So i have my new account at a XXXX balance and closed. The old acct XXXX is closed and in an inactive status but still incurring those fees and transactions. Have spent countless hours on the phone and even more on hold for 30 to 45 minutes each time they transfer me. I disagree with their decisions even though the other banks and XXXX XXXX is not willing to deal with them. Please help! This has been going on since XX/XX/2020. I cant afford to lose close to XXXX now. | ||||||
| 10/16/2023 | Yes |
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Web | Older American |
| Please reference the previous Complaints in regards to my purchase from UBank where I initially purchased the {$13000.00} Cashiers check is not my first purchase in this said Bank. This is the very first time I ever had this problem. I have received the response from USBank and I disagree with what is stated from the very onset of the Cashiers Check that I personally went back to US Bank the same day when I was notified I was given the wrong account information to make that deposit on my behalf was not my fault. I went to XXXXXXXX XXXX first on the same day XXXX XX/XX/XXXX who advise me to go back to USBank so they could start the process to getting my {$13000.00} back which was disclosed to me at XXXXXXXX XXXX my money was now in another XXXX XXXX XXXX on a hold Freeze. I go to USBank and I saw a white make at the counter explained what happened sams day on XX/XX/XXXX got up from behind the counter to get paper work he state so they could start the process. Thats when a XXXX heavy set female stopped the young man Customer Service XXXX and said were not doing that. She pointed out to me she was the one who signed and authorized that Cashiers Check on that same day XX/XX/XXXX and let me make my self clear I never told her it was Fraud so I have no idea where you got that from because I made sure I had a witness with me every time I came to the Bank. That Manager said it was Fraud and she for the life of me is gon na tell me what I know was an innocent mistake on my part was according to the FDCPA was to deny me any type of assistance when I went over her head and spoke to XXXX Supervisors at US Bank went back to that same Bank and the lack of respect she had told me she did not care who told you she continued to deny me Service. She also told me US Bank has no escalation department but I spoke to a female and my call was transferred to her from Customer Service I believe her name was XXXX or XXXX because that same XXXX heavy set XXXX told me to come back in 90 days and then they could start the process to retract the payment. I did that only to now get a White Female XXXX and she tells me and my witness to go to the XXXX Police Department in XXXX XXXX to The XXXX XXXX XXXX XXXX and Im so sorry but that female Sergeant wanted to know why they had me come there cleary she stated was no criminal crime committed and the Bank just need to do their job is exactly what she said. I disagree with USBank negligence in the way my situation was handled also the XXXX female XXXX stated after USBank stated to close my Bank Account on the same week that because I was no longer a USBank customer she really couldnt help me because she couldnt see into the account. Well this is the fact I came into USBank on XX/XX/XXXX when it first happened. USBank final close of my Bank account was on XX/XX/XXXX was enough time to have helped me with my situation. I also want to make mention in the last Complaint I filed in regards to XXXXXXXX XXXX XXXX states if USBank would contact them they could start the process in getting the funds back to XXXX XXXX XXXX. Please reference XXXXXXXX XXXX response to USBank. I did everything these people asked me to do at USBank and I was tossed around like a yo yo practically at the USBank every other day being by USBank from those I spoke to to go back to the USBank tell whoever is there to Retract the payment and in most cases it was the XXXX Female XXXX who said no. She said it was XXXX not me. I never told her that. She assumed that. Also I do want to point out I have purchased Cashiers checks and never once was the money made available same day and when I deposited the Cashiers check into XXXX Bank on XXXX XX/XX/XXXX the Receipt did not match with what the XXXX stated she did on XXXX XX/XX/XXXX she was the one who made the money available the same day but XXXX Banks XXXX says the Money would be made available on XXXX XX/XX/XXXX with a XXXX day Hold. So Im a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I cant believe what I went through in regards to what I experienced but again according to the FDCPA I was no way treated like the XXXX I should have been at USBank was horrible and a disgrace. There is a procedure to Retract a Cashiers Check and why I was denied service on the same day notified of a error all I want is to get the {$13000.00} back that XXXX XXXX has verified is still sitting in their Bank and it never left XXXX XXXX. Respectfully submitted, XXXX XXXX XXXX | ||||||
| 08/10/2017 | Yes |
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| In XXXX, we notified US Bank, the note holder for our mortgage, that we were struggling to afford our monthly payment, and asked what we could do to avoid any kind of issues stemming from this. I asked about possibility to place a payment or two at the end of the mortgage, filing for some sort of assistance because I had heard that the banks sometimes have assistance programs to help aid those that are struggling to make their mortgage or anything else possible just for a couple of months. I was told that because we were not negative in our bank accounts and had money as well as being caught up on our mortgage and were not considered late, there was nothing that they could do for us. I advised the representative that this was the reason that I was calling because I didnt want to become late on my mortgage and was trying to get ahead of the situation before it escalated to that. He stated again that there was nothing that he could do for us. I then asked what our options were and his reply was ( and I quote ), The only thing that you can do is either get behind on your payments so that you could qualify for one of their programs, walk away from your home, or file bankruptcy. I was shocked that these were the only options that people like us, responsible home-owners who had not been late on their mortgage and although barely surviving, were still able to pay their bills and live in their home, were basically being told to just walk away from the house or file bankruptcy. So we did as he suggested and held 3 months worth of payments. Placing all of the money into an account so that way we could make one payment once we were able to get the assistance we were asking for. I called in the third month to file for the assistance and was notified that they were no longer going to accept any payments from us, that they were not going to help us and had already started the process of pre-foreclosure. I told him that I had the money and could give it to him over the phone and he refused and said that he could not take a payment from me. I pleaded with him to help us like they promised they would, by doing exactly what we were told to do, and I was quite literally told that whoever told me to do that was an XXXX and I was even dumber for thinking it was the right thing to do. I was floored. We then asked about a Died in Lieu and were denied. We felt that we had no other alternative to place the home up for short sale because we were behind and they were not willing to negotiate on just accepting what was late, but wanting the full mortgage amount of money in order for us to keep the home, plus due to the housing crash, our home was not worth what we would have to ask for it to pay off the existing loan. We were afraid of what was going to happen, but felt as though we had no other options. Our sale was denied by US Bank three times because we didnt have a buyer, which was absurd to me because how are we supposed to have a buyer with our house not being on the market, especially since this was right smack dab in the middle of the housing industry fallout. Once again, US Bank fighting against our alternatives to save our home from foreclosure. We were finally able to get two buyers on our home, but due to US Banks lack of interest to the detail of the process for a short sale, our buyers hung on for a total of 12 months before moving on to another property. We didnt have enough money in the bank to essentially pay off our loan and the extra fees that US Bank tacked on, so we were basically being kicked out of our home because we followed XXXX directions and the bank was now coming after our assets, that we were not willing to give up to them, on top of what they had already stolen. Our bankruptcy was finalized or discharged XXXX, which the mortgage was the primary reason for filing in the first place. ( In fact the lawyers almost didnt take our case because we didnt have enough debt to make it worth it- but we truly had no choice ) Now we are being told that we can not purchase a home until XX/XX/XXXX because US Bank filed a claim in XX/XX/XXXXand the XXXX report shows that we have a financial Federal burdeon. My problem is that our bankruptcy discharged in XXXX of XX/XX/XXXXand we should not be held responsible to the fact that US Bank did n't do anything with the property for 3 years following this entire situation, especially since we went to them in the first place to help us avoid this exactly what ended up happening and they refused to help us. | ||||||
| 10/19/2023 | Yes |
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| *On XX/XX/XXXX, I purchased a {$500.00} VISA gift card at XXXX XXXX I paid a total of {$500.00}. Immediately after, I made a {$12.00} pharmacy purchase and a {$10.00} grocery purchase at XXXX using the card. Approximately three hours later, I called the number on the back of the card XXXX ( XXXX ) to check the balance. I was connected to a live Rep, not an auto-system with my balance. My balance was correct at XXXX. However, the Rep advised that a " fraud alert '' was placed on my card. Why? The Rep said " it just happens '' or something very close to that. To unfreeze my card, the Rep said I would need to send a copy of the front and back of my driver 's license. I asked why, the Rep said it was the only way to lift the hold on my card. I was not comfortable sending my personal info... this company does not know who purchased the card, so why would they need my ID info??? I ended the call. XXXX XX/XX/XXXX, I called XXXX XXXX XXXX on my Activation Status Receipt I received when I purchased the card. Of course, they were only able to confirm that the card was activated for {$500.00}. *Next on XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX XXXX XXXX to ask if this practice was the norm. The person I spoke with advised that they also would be concerned about giving my ID. I was advised to call XXXX directly at XXXX. *Next on XX/XX/XXXX, I phoned XXXX at the number above and explained the situation. The young man I spoke with said he would transfer my call. But, he sent me right back to who I believe is the same group I spoke with when I called the number on the back of the gift card. The name given on the transfer was " XXXX XXXXXXXX XXXX XXXX XXXX. '' XXXX XXXX XXXX the person I spoke with confirmed what I was told on XX/XX/XXXX about unfreezing my card. She said I would need to upload copies of the front and back of my gov-issued ID to the web address on back of the gift card ( www.prepaidgiftbalance.com ) or fax to XXXX. She said it would take 7 to 14 days to issue a new card ; and my new card with {$470.00} would come by mail. She said they needed my ID so the card could be issued in my name. I asked for a case number and was adv they do not assign case numbers. I asked how they would match up my ID with my card, since they don't even know my name. She said they would know??? I did not send my ID. *Today, XX/XX/XXXX, I went back to XXXX Customer Service Desk to attempt to purchase a money order for the balance on my gift card, {$470.00}. However, I received a " not authorized '' message when I swiped my gift card. Same thing trying to make a small purchase and trying to just take cash back. *Next on XX/XX/XXXX, I called the XXXX Fraud Watch Network XXXX. The person I spoke with also expressed concern in giving my ID. She suggested I contact your organization ( Consumer Financial Protection Bureau ) at consumerfinance.gov. *I have done all I know to do to resolve this issue... short of sending copies of my ID. But, I am concerned about providing that info as I do not know " why '' they need it in the first place. I did not fill out a form with personal info when I made the anonymous purchase. I am concerned someone will use my info for other purposes. Also, why was a fraud alert put on the card on the first place??? Now, even if they issue a new card, I assume it will come with a fee... I understand the only fee-free card is an expired card replacement. And why the fraud alert??? I purchased at XXXX ; I made two purchases at XXXX within minutes of buying the gift card. And three hours later, I learn they put a fraud alert on my card and froze my card... keeping my {$470.00} balance. **I want the company to immediately unfreeze my gift card that I purchased with my money. This card was to be used to purchase my groceries, my medication, pay XXXX XXXX, buy gasoline, and pay for an oil change and tire rotation on my car for the next four weeks. I have given gift cards in the past for birthdays and XXXX. However, I will never, ever purchase another XXXX gift card. If these gift cards are managed by a third party, and not by XXXX, there should be a prominent notice on the front of the gift card package advising that. This company 's action has unnecessarily caused me extremely stress. ( When researching VISA gift cards online, I did not see any complaints. Afterwards, giving specific details of the issue I am dealing with, I saw others experienced very similar problems with VISA prepaid cards. ) **THANK YOU, THANK YOU FOR ANY HELP!!! | ||||||
| 10/14/2021 | Yes |
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Web | Older American |
| I am a Hawaii property home- owner who was involved with a loan modification plan offered by the U.S. Bank in the location of Kentucky . The modification plan started XX/XX/XXXX. But even 2 months ' later to XX/XX/XXXX, after we were signing 5 times of the documents in front of the notary public in Hawaii, the documents were not accepted by the U.S. Bank due to the bank having been unfair, misleading and discriminated against us in lending. As a result, we suffered from monetary loss and punitive damages such as emotional distress, inconvenience and spiritual health. I give the background of my story as below : 1. Back in XXXX, we had a new mortgage loan of {$520000.00} with XXXX XXXX XXXX in Hawaii. But after a few months, XXXX sold the mortgage to the U.S. Bank in Kentucky. So we were paying the monthly mortgage to the U.S. Bank directly since XXXX. Until the year of XXXX, due the financial difficulty from the Pandemic, we missed a few months payment. Then suddenly, a manager from the U.S. bank called me and said I could join the forbearance program to modify the loan from 30 years fixed to 40 years fixed and then reduced my monthly payment up to {$500.00}. The interest rate remained the same 3.75 % and it will not affect our credit score. I was happy to accept this offer. Then they started to request I and my son 's credit scores ( the title is owned by me and my son ) and found out they were excellent. So the modification was officially approved. 2. Then by XX/XX/XXXX, they sent us a package of documents by UPS to sign in front of the notary public in Hawaii, I suddenly found out my husband 's name was on the signature page. So I called the bank 's customer service, the general staff only gave me a vague answer to say that it may be my husband is living in the same property. He had to sign even though he was not on mortgage and not on title. Finally, I convinced my husband to sign in order to save time. But after a few days I sent the documents, they sent me another set of documents and said that the previous one was not accepted because my husband did not sign the way they wanted. So I called them again, this general staff said your husband should sign exactly his printed name not in a stylish way. So my husband signed again and sent to them. 3. A few days later, the documents were rejected and asked us to sign again. This time they complained about my signature. Since I was using a power of attorney to sign for my son, I should sign XXXX XXXX for XXXX XXXX XXXX attorney in fact. So I asked that customer service why you did not tell me last time. They said they didn't know. So I signed again and sent out. After a few days, they were unaccepted and asked us to sign again, this time they complained about the notary public not placing the seal on the right position. So I found another notary to sign. But still back and forth that made me so frustrated and emotional distress. Every time I received the rejection letter, I just got sick. 4. After I sent out the 5th package, they told me that the notary should put only one seal not two seals, I sent them a notary public manual, which said that all the real estate documents must be 2 seals otherwise, you can not record the document. But the U.S. Bank still rejected the documents 5. I knew that it was wasting my time to talk to them. So I borrowed some money from a local bank by paying high interest. And then use that money to pay off the forbearance balance in XX/XX/XXXX. Then I am free and out of the forbearance plan. After that, I went shopping around to find a good company to refinance whole loan. Now the entire loan was paid off. I don't owe U.S. bank any money, However, I suffered from the following damages : 1. When I refinance the mortgage out of the U.S. Bank, I need to pay closing costs, appraisal fee around {$6000.00}. Also when I borrow money to pay off the forbearance balance, I have to pay a few hundred dollars loan interest too. 2. Punitive damages -- -The U.S.Bank is so irresponsible that they don't have any loan officer to communicate with me or guide me to do the way they want. During the past 3 months, I suffered from emotional stress, health problems ( I am XXXX years old and my husband is XXXX years old ), inconvenience and loss of time. This bank was unfair, misleading and discriminated against us. We want to know if this is a case to file a claim against this U.S. Bank. I don't want to see them treated the same way to other customers in Hawaii. | ||||||
| 04/29/2021 | Yes |
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| I I have received the statement from US bank dated XX/XX/XXXX on about XX/XX/XXXX due to Covid mailing delays. The account is HELOC XXXX. The due payment date was XX/XX/XXXX, past the date I have received the mail. Min pmt was {$130.00} and balance of {$3700.00}. I have called US Bank immediately and informed that I made a payment from XXXX in the amount of {$3700.00}. Apparently XXXX delayed the transfer of funds. But they were eventually received by US bank. On XX/XX/XXXX I have asked for the final for final pay off and removal of the late fee of {$29.00}. The fee was removed later and the rep quoted the balance of {$140.00}. I have made this payment on XX/XX/XXXX via online transfer from XXXX XXXXhecking account. I assumed that my account was completely paid off. To entice me to use US Bank HELOC, US bank makes me promotional offer to lock the account with fixed rate of 2.7 % for 36 mo, as long as I spend $ XXXXby XXXX XXXX. Which I did on XX/XX/XXXX On about XX/XX/XXXX I called US Bank to verify the promo rate of 2.7 %. I was told by US rep that this did not take place and my account was suspended due to the late payment of {$5.00} on {$150000.00} HELOC. As of XX/XX/XXXX I have not received any statement showing that I still had a balance on the account that I paid off on XX/XX/XXXX based on the information provided by US bank. I took care immediately over the phone of {$5.00}, conf # XXXX On XX/XX/XXXX I have received cashiers check for {$29.00} dated XX/XX/XXXX as an overpayment on the account On XX/XX/XXXX I have paid off {$2000.00} since the US Bank did not fulfill its obligations to honor promo fixed rate of 2.7 % On XX/XX/XXXX I was alerted by credit monitoring agency that have late pmt posted on my credit report from US bank. I have checked XXXX and saw that US bank reported XXXX as late payment even though I have not yet received XXXX payment yet and next payment due date was XX/XX/XXXX with min of {$5.00} due that I have paid on XX/XX/XXXX with confirmation number provided above On XX/XX/XXXX I have called US bank and opened a credit dispute case XXXX. On XX/XX/XXXX I have received in mail ( I have kept original envelopes ) 3 letters from US Bank dated XX/XX/XXXX : 1. Account summary with min payment due of XXXX by XX/XX/XXXX. I have paid this amount on XX/XX/XXXX 2. Letter dated XX/XX/XXXX informing about past due amount of {$0.00} with a threat to suspend an account if this {$0.00} is not paid by XX/XX/XXXX 3. Letter from US bank dated XX/XX/XXXX with reference code 122 stating that US bank reported {$0.00} to credit agency as late payment. I work for XXXX XXXX XXXX and we treat this amount as a rounding error during pay off. It certainly did not grant the right to US without courtesy of trying to collect {$0.00} from me I have mainted my FICO 820-850 my entire life. To be reported to burp for {$0.00} due on XX/XX/XXXX while US bank send me on XX/XX/XXXX cashiers check for {$29.00} overpayment, is simply radiculous. I request your assistance to remove reported late charge of {$0.00} from all 3 buros as it significantly impacted my credit score. I understand mistakes happen. Never less, what I have experience with US Bank, ie late fees during Covid due to delays in US mail outside of my control, bait and switch offer to entice me to spend {$2000.00} with US bank in exchange of the better rate that never materialized, and late payment reporting of {$0.00} in XXXX while the payment was due on XX/XX/XXXX and is round error of the pay off amount, is beyond any reasonable explanation and I consider these practices predatory and in violation of my consumer rights in the State of CA. I have received today result of XXXX investigation refusing to remove the late charge from my buro and advising to resolve with US bank. They have received my case on XX/XX/XXXX via fax from the local branch with all supporting documentation. I am asking your assistance to investigate predatory lending practices and bate and switch offer of US Bank, late fee charges during Covid beyond my control and removal of late payment record for this banker from all 3 buros. You help is appreciated. I have all supporting documentation, phone records and copies of the postal envelopes that have no mailing dates and were delivered to me with significant delays. Additionally I the account was overpaid by {$29.00}, US bank could withheld {$0.00} and refund me the balance. This would avoid this entire mess. Thank you, XXXX XXXX | ||||||
| 08/12/2023 | Yes |
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| In XX/XX/XXXX I opened a new checking account with US BANK. At the time they were advertising that if you open a new account and make a certain amount of direct deposits within a certain timeframe, youd be eligible for a {$500.00} promotional credit to your checking account. When I opened the account, I was instructed to input the promotional code if I had one. Which I did. Its said congratulations, this code is valid and you may proceed to open your account. It gave me the terms of what I need to do to qualify and get credit. Months go by and I didnt receive anything. So in XXXX of XXXX I called the bank and asked for an explanation. I was told that they manually need to submit a request to get me credited and that I did qualify. The waiting period was 30-45 more days. That time went by and I still hadnt received anything. So once again to called towards the end of XXXX, one more time in XXXX, two more times in XXXX and one more time in XXXX. All the times I called the representative would say, Im sorry but it seems like no one filed the form correctly and we cant file another request as you have a pending open request. I finally went to the better business bureau and filed a formal complaint. I was responded with a letter stating that this was a invite only code is why I was not paid. Meaning they will only honor the code if someone from US bank emailed or send a mail letter to me by invite. Which I understand now why I wasnt getting paid. My problem is, if its an invite only promotion, it needs to be stated prior to opening the account which is deceptive and misleading. Secondly, why did the bank allow me to code the account and tell me its valid and allow me to proceed if its invite only? Again, deception to get you to open an account. During the few times I called, every time I was asked to provide valuable personal information for this request form that was being filled out. Which according to the XXXX response, only one form was filled out and they have no records of any other form. Ive worked in banking since XXXX. I know our calls were recorded. I asked for management review and follow up three times and no one followed up. If you listen to our calls, each time I called there were notes left on my account according to the bank but they have no information that anything was done those times I called in.? Basically stating that Im lying. All they have to do is listen to my call for months and months of getting the run down with no end result. They stayed firm on their decision via XXXX response letter. On top of this, during this process, there was a second account opened on my name without my permission which makes me believe the times I called and gave my information, someone opened an account on my behalf for credit. Which US bank has been fined for almost XXXX plus XXXX dollars in a previous lawsuit. I have reached out to that law firm for further action as no one will tell me how or why a second checking account was opened. I work for a bank and choose to go with us bank not for just the credit but for what once was a great customer service bank. Clearly thats not the case. The second account is still open. Ive received no form for fraud as they stated to get the account closed and I still never got my credit for the original account that I opened. Id like two things, my credit of {$500.00} as I was deceived and fooled into proceeding to open an account. Two, the second account to be permanently closed as my personal information has been comprised internally by the bank. I monitor my credit daily. No one externally has accessed my personal information. Ive never been a victim of fraud and working in banking my information is extremely secure. First time in my life Ive experienced this and it happens to be during a serious of calls and release ing personal information to their customer service department which probably has third party call centers. The website is so insecure that it didnt recognize that a current customer is opening a second account. Which should have directed that person who fraud me to log in before proceeding as it should have recognized my SSN to an existing account. Which makes me believe this was done by a U.S. bank representative. Please reimburse me the {$500.00} Im legally owed as this was an advertisement scam. Two, close my second account. Once I resolve my ongoing issues, I will never again step foot into a U.S. bank or conduct this non ethical business practices. | ||||||
| 01/29/2018 | Yes |
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| US Banks deliberate attack to cause me immediate and imminent harm as retaliation against recent complaints I have filed. History of facts : On XX/XX/XXXX I filed a complaint with the CFPB disputing inaccuracies of US Banks furnishing of information on my credit reports to XXXX, XXXX and XXXX. My claim included factual documents of previous times US Bank refused to fix inaccuracies they were furnishing on my credit reports, which only after months of persistence on my part did US Bank ADMIT to their errors. ( documents were provided supporting my claim ) On XX/XX/XXXX, I filed another complaint against US Bank with the CFPB ; case # XXXX this time with an affidavit from XXXX XXXX ( the co-applicant of original account ) admitting he reopened the card without my permission and knowledge. I also included an affidavit from myself to support my claim. Both affidavits are material facts that can not be ignored. My XXXX, XXXX and XXXX Credit reports confirmed US Bank updated the following : On XX/XX/XXXX : US Bank updated my balance at {$4400.00} and current was past 30-days inXX/XX/XXXX XX/XX/XXXX ; US Bank reported to XXXX, XXXX and XXXX the following : Balance {$4100.00} and Current, was past due being 30-days in XXXX OnXX/XX/XXXX ; US Bank reported to XXXX, XXXX and XXXX the following : Balance {$4100.00} current, was past due 30 days XXXX On XX/XX/XXXX ; US Bank reported to XXXX , XXXX and XXXX the following : Balance {$4700.00} and Past due 30 days two times XXXX &XX/XX/XXXX On XX/XX/XXXX ( IN BETWEEN REPORTING CYCLE ) US Bank reported to XXXX , XXXX and XXXX the following : Balance {$4800.00} Past due 60 days Dropping my XXXX credit score from XXXX to XXXX On XX/XX/XXXX US Bank again updated my account with the Credit Bureaus BUT DID NOT ADD any new information ( my credit score dropped another 12 pts. from XX/XX/XXXX ) On XX/XX/XXXX received a response through XXXX that US Bank claims they are still investigating We have reviewed your complaint along with the information you provided regarding this issue. In order to preserve your rights under the FCRA, we have opened investigations into the disputed items and contacted the source ( s ) to advise them of your dispute. They will verify the accuracy of the item ( s ) and inform XXXX of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-FridaXXXX, XXXX XXXX XXXX XXXX ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report As of XX/XX/XXXX I have not received any type of correspondence from US Bank or the credit bureaus. So heres my questions : Since we all know US Bank & the Credit Bureaus must respond to disputes in a timely manner according to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and they MUST provide me with an update once a decision has been made within 5 days and it is clear US Bank updated the disputed account on XX/XX/XXXX, ten days ago, ( double the time allowed ) why have I not received a timely update by US Bank, XXXX, XXXX and XXXX? As a result ; US Bank, XXXX, XXXX and XXXX are all AGAIN in violation of the FCRA. 2. Why is an account that is disputed, that has two affidavits supporting the balance and status of the US Bank credit card account does not legally belong to me, does US BANK continue to defy the law and knowingly furnish inaccurate information and why do XXXX, XXXX and XXXX allow them to violate the law? I believe US Bank has deliberately reported incorrect negative information to the credit bureaus to cause me as much financial harm as possible. This is more evident that US Bank re-furnished identical information on XX/XX/XXXX and XX/XX/XXXX. and more evident since US Bank is aware of the closing I have ( had ) next week. Which at this point will have to be cancelled. I am requesting for the US Bank Credit card balance and late status in XXXX and XXXX to be removed immediately. This will be my last request on this subject, I can assure you I will file a civil claim against US Bank, and for being complicit in US Banks deliberate violation ; XXXX, XXXX and XXXX, if this is not IMMEDIATELY update correctly. *Note to US Bank : my sister happens to be a supervisor in the accounting dept. with a large bank and has the highest security clearance ; you do NOT want to go through the discovery process with me. | ||||||
| 07/13/2018 | Yes |
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| This is a complaint against US Bank, where I have maintained my account for 20 years, with never an overdraft. This account secures a safe deposit box, for which I have paid a yearly fee for 20 years. Without warning, my US Bank account was completely emptied to XXXX, without any written notice or explanation as to where the money went, what it was for, or whether more money would be removed if I deposited further funds. Only after the funds were gone did I receive a form letter which contained very little information, no amounts, and phone numbers with no help at the other end. US Bank refuses to communicate with me regarding this matter by either phone or US postal mail. US Bank refuses to send me a copy of the levy notice they received from California FTB US Bank does not return my phone calls, after repeatedly promising it would do so. US Bank repeatedly has my phone number wrong online, so that I am prevented from accessing my account online. DETAILS : On XX/XX/2018, I received by mail a form letter from US Bank informing me of a California FTB levy. It was very impersonal : unsigned by a human, addressed to " Dear Customer '', No dollar amount for the levy was mentioned in the letter. Nor was my account number in the letter. Just a phone number for the Levy Dept to call for more info. I called it multiple times. I spoke with several different agents who gave only their first names, and sometimes not even an employee number. The letter said calling the number would answer my questions, but this was not true. All the agents would say was that my account balance was XXXX. They verbally stated the amount of the levy, but all agents refused my request to send me a hard copy of the actual levy order. I had not received a copy of the levy notice from the California Franchise Tax Board as required by Calif Revenue and Taxation Code [ and would not receive one until I made many calls to FTB ] During the month of XXXX, I was on the phone almost daily trying to reach US Bank and/or California FTB. Every time I called, I asked US Bank how it could be legal for any Federal bank to empty my account without written notice. The excuses they gave for not sending it ranged from : " it's a court order '' to " it was issued electronically so we can't/do n't have to send it to you ''. These excuses were so lame I repeatedly asked to speak to a supervisor or manager. If I wasn't disconnected while I was on hold, I was told a manager would call me within 2 hours / 24 hours /72 hours. I always provided my cell phone number [ XXXX ] which has voicemail and lists every call made to it. To this day, no manager or supervisor from US Bank Levy Dept has ever returned my calls as promised. I also tried calling the general number XXXX, but was always told to call or reconnected with the Levy Dept. Connecting to the Levy Department thru this number did not result in better service. I also attempted to connect with my account online. I typed in my account number and SSN. But then I was prompted with a wrong phone number unable to use online services After I filled out an online survey condemning the deplorable service, I received a follow-up email from " XXXX XXXX ''. I thought this email came from a human, but after my phone number changed to the wrong one, and I filled out a second online survey, I received the exact same " concerned apologetic '' email from XXXX XXXX. It is obviously a form letter ; no follow-up action has been taken. I did communicate with my local branch manager, but she says she is having the same trouble getting info from the levy dept. She is the only US Bank employee who has returned my call. She advised that if I deposit more money in the account, US Bank will just remove it again. On XX/XX/2018, I received a call from FTB Supervisor XXXX XXXX [ XXXX ] XXXX. XXXX stated that the levy was automated and was actually in error. FTB made a mistake in not notifying me of the levy in advance as required by law. FTB had already sent faxes retracting the levy notices to both US Bank and XXXX XXXX XXXX XXXX [ where I have another account ]. [ In fact, FTB wanted to send me a refund of about {$280.00}, which it did! ]. My XXXX XXXX XXXX XXXX account is completely unmolested, as if the levy never happened. US Bank however, has taken no action to change the status of my account, send me an apology or any accounting of what happened. Just a quarterly statement showing a balance of XXXX. | ||||||
| 09/06/2022 | Yes |
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| Facts : I have been a customer for literally decades, for the past two years they have been our primary provider of services for a general-purpose credit card for myself, my wife, and our XXXX children as I've tried to simplify/minimize how many financial institutions I interact with. On or about the XXXX of XXXX, and with no warning or any explanation, our account was permanently closed. XX/XX/XXXX 's payment was returned XXXX. Why? I can tell you exactly why the last payment was made late. Typically, when you go onto their website the day your payment is due, and make said payment by the cutoff, those funds will then be pulled from your designated/linked funding account the following day. In my case, my payments are typically made right on the XXXX ( due date ), and the funds come out of my checking account on the XXXX, like clockwork ( or the following business day ). Since this was my first time for the automatic payment, I had set it up for the due date, the XXXX, and so would have expected the XXXX request to be submitted that day and then would have pulled from my checking account on the XXXX. However, that was not the case, they pulled on the XXXX and I had not yet transferred funds and it was therefore returned NSF. This difference in timing of pulling funds .is 'unfair and deceptive '. Just like the due date never changes, why would the date change for when the payment would pull? As soon as I noticed this, I immediately called and submitted a new replacement payment of {$17000.00} which cleared no problem on XX/XX/XXXX ( only delayed due to the weekend in between the dates of the original payment and the second payment ). During this time our cards were no longer working, while traveling and the holiday, and my kids on their own, so I had called Fidelity to find out why ( it took multiple LONG calls/wait times, to finally get an answer ) and they said due to the large, returned payment the card had a temporary hold until XX/XX/XXXX. Rewards from XX/XX/XXXX - XX/XX/XXXX were available and could have been cashed out as they were 100 % earned. Fidelity 's default setting is to pay you your rewards out each month, normally I would have been paid these points, and accordingly- they were 100 % earned based on their normal/standard practice and all of a sudden saying they were no longer mine is yet another way they have been unfair and deceptive. On XX/XX/XXXX our cards were still not working so I called to find out why they still were not working and THEN ( never before had I any reason to believe or be led to believe this was nothing more than a temporary hold ) was told my account was permanently closed and I was in complete shock and dismay as to why. This caused, and is still causing, myself, my wife, and each of our XXXX children who all had linked cards and impacts each of our credit reports/scores. If they dont want me as a customer, fine, but I'm due an explanation as to why because Im about as good a credit risk as you could ever find. Having one NSF payment, which was immediately corrected, and as I mentioned is as much their fault as mine, does not seem like it warranted closing my account. In addition to the problems this created financially, and the ongoing problems with all six of our credit reports, they also stole over {$1300.00} worth of rewards I had 100 % EARNED and now they are just gone. Had they told me in the beginning that my account was under review for potential closure, as opposed to just being temporarily suspended until XX/XX/XXXX due to the XXXX I could have cashed out these rewards/applied them to my outstanding balance, but they gave me NO reason to believe that this was anything other than temporary. They are still 'adding & subtracting ' rewards for trailing activity, as represented most recently by my recent statement ( XX/XX/XXXX - XX/XX/XXXX ) showing a " Rewards Points Balance '' of XXXX. These rewards should absolutely be paid out to me because the bulk of them were all earned long before this late payment. I do expect a straight answer as to the reason my account was closed and how my family has all of a sudden lost our main source of access to credit for our daily needs. I ultimately want this account restored, but at a minimum I want my rewards that had were 100 % earned and eligible for withdrawal and/or statement credit or I will continue to fight this either with legal counsel or mediation. Sincerely, XXXX XXXX | ||||||
| 11/10/2022 | Yes |
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| Re : debit card XXXX and my bank XXXX. Hello I have been with US bank all my life and was happy with them, u fortunately until recently facing a very bad experiences with their fraudulent department. In XXXX I was lured by the scammer to do XXXX XXXX, set up the XXXX apps to trade currency. After withdrawing over XXXX from my debit card which link to my bank I found out that the XXXX apps was fake, XXXX XXXX. I talked to US bank staff and got transferred to different staff in fraudulent department. The 3rd persona i spoke with by ther name of XXXX informed me that the provisional money got refunded back to my bank account.i need to delete the Whatever relating to this scammer and thst i need to go into the bank to close my account and open a new one. I followed her direction and have went into the bank to close my account in XXXX and opened a new one. I was thinking during this time that my bank have caught the scammer ( base on the us bank declined a {$40.00} wiring transfer due to red flag and suspicious of scam ) and they refunded the money to my bank. I later received a couple letters state my case is still under investigation in results of some kind of Protection?? I called the fraudulent depertment on several occasions to get an explanation and was told someone will call me back. They also told me that they have sent me a letter requesting me to provide information. After a week I haven't received the letter i called again and informed that they'll relay the message to the department to resend again. I also asked them to have someone call me back to give an explanation. After a month I received a message on my recorder from the guy by the name XXXX who said that all the evident they received, my driver license and personal information pointed to me that i was the one that withdrew the money. I tried to call back on several occasions but keep getting the message from staff that will relay the message to have someone call me back. I finally got a hold of the Investigator by the name of XXXX, instead of asking me how can he helps me or give me a chance to explain my case he went directly to say that it all pointed to me that i withdrew the money, my driver license and my personal information. After explaining my case coldly he didn't gave me an apologize for the errors that he did but in return and said there isn't anything he can do for me and this is the 3rd party. I asked him whats my rights as a customer since this is their errors which wasted my time, and asked to whom should i talk to discuss my case. The answer i received from him was there isn't anything they can do for me anyway toward the end it was me that withdrew the money I went into the local US branch Manager and talked to the guy by the name XXXX XXXX and gave him the information. He informed me that the debit card department is a separate department from him and he asked me to find the money to put back in my bank to prevent me from collections and extra fees. I was left in the dark and have no one to turn to. I am currently using my credit card to hire a private company by the name of XXXX XXXX to work on this case through XXXX and the scammer bank. I even filed a report through the scammer bank fraudulent department but got a reply that wa they cant work with third party and that i have to ask my bank for help. The bank can't help me, the fraudulent department didn't want to accept their errors. I am filing a complain against the US bank Debit cardmember Fraudulent department and their staff of incompetent staff, and negligent to their customer. I am seeking them and hold them accountable for the misinformation and delaying me from recovery my debt through XXXX and scammer. I called several times and left with hanging for a month waiting for an explanation, and the final results that was left on my recorder was unbelievable. Its all pointed to me that it was me withdrew the money, my driver license and personal information. My bank is now in a negative balance in amount of over $ XXXX. The bank have called me several time attempted to collect this debt. I have been banking with US bank all my life and was very happy with them, unfortunately until dealing with this fraudulent department staff. Due to their errors and on top of being scammed causing me tremendous emotional distress and lack of sleep. I can provide all evident later. Thanks for listening. XXXX XXXX XXXX | ||||||
| 09/16/2021 | Yes |
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| This is is a complaint about US Bank 's mismanagement of the escrow account associated my mortgage. I have contacted the company to report but they indicated that they can not ( and are not required ) to provide any assistance with the escrow account. My mortgage includes an escrow account created by US Bank to pay annual real estate taxes, which are due in two payments- one in XXXX, and one in XXXX. Each year, US Bank sends out a schedule of anticipated annual payments that are rolled into the regular mortgage payment, beginning with the XXXX monthly payment. US Bank paid the first installment of my real estate taxes in XX/XX/XXXX, but as of this date ( XX/XX/XXXX ) US Bank still has not sent they usual " escrow analysis statement '' which details the amount to be added to each payment. They usually a preliminary version in the spring ( XXXX ) and a final one in XXXX or XXXX, once the tax bill is sent to US Bank by the county. US Bank has sent me nothing for XXXX. For example, for the monthly payment due on XX/XX/XXXX, the amount due does not include anything for the escrow account. This leaves the escrow amount unpaid, which will require a lump sum payment from me later if US Bank does not add it to the monthly payment. This negligence defeats the purpose of the escrow account - if I have to make lump sum tax payments to US Bank, why couldn't I pay the tax authority directly? It doesn't make sense. When I contacted US Bank, they tell me the same thing they always tell me that, in XXXX, they instituted a new internal policy that penalizes all customers who have ever filed a bankruptcy while holding a debt from US Bank. Though my bankruptcy occurred more than 10 years ago, and though the bank didn't harass me with this policy until XXXX ( 4 years after it allegedly went into effect ), they use this " policy '' to say that they don't have to provide mortgage service benefits available to every other US Bank customer, even though they provided this benefit as late as XXXX ( last year ) when they processed an escrow analysis statement. Although in XXXX, no tax was owed because I qualified for 100 % tax relief, I only qualified for 50 % tax relief in XXXX, and thus US Bank is supposed to submit an escrow statement that breaks out the annual tax amount ( as indicated by the county 's bill ) into monthly payments beginning with the XX/XX/XXXX payment. So, far, US bank is already 4 months behind ( XXXX, XXXX, XXXX, XXXX ). The total tax amount for my property is {$1400.00} ( {$700.00} * 2 ) but the monthly payment amount includes a {$0.00} amount applied to escrow for these last 4 months, and they have not provided a schedule of payments for the remaining 8 months of the escrow payment year, which runs from XXXX to XXXX. US Bank keeps abusing this " policy '' to expand the areas of service that they are required to provide to mortgage holders with escrow accounts. The effect ( if not the intent ) of the policy is to cause harm to seniors like myself, principally to introduce obstacles to payment in order to increase the likelihood that payments arrive late. US Bank has a track record of doing this. As early as XXXX, during a trial loan modification period, US bank required payments to be sent to a specific address, but even though I sent these over a week ( or 2 weeks ) before the due date, US Bank `XXXX sat '' on the checks and only processed AFTER the due date. As a result, they could claim that the payments were " late '' and that we didn't qualify for the full loan modification. I have the mailing records showing when the checks were sent, and some advisors recommended that my late husband and I take US Bank to court because of this, because we had to pay a {$7000.00} penalty at the time, but we did not. What this indicated though is that US BANK CAN '' T BE TRUSTED WITH MAILED IN PAYMENTS. But though this is the policy that they are harping about - where they block online payments to people who in their lifetime have ever filed for bankruptcy and that they block this benefit for as the entire life of the loan as a form of medieval punishment, the issue here is about the management of the escrow account. US Bank has failed to provide a schedule of escrow payments, to be added to the monthly payments, which is required to do so under federal law. I ask that the CFPB open an investigation into US Bank because each time I complain to them they provide the same excuses. | ||||||
| 06/19/2018 | Yes |
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| Late last year, I had a problem with a loan company and my cable company charging my account without authorization. I voiced this issue with US Bank. They stated I would have to just call those companies and tell them to stop trying to charge me but never credit back the fees and there is nothing else they can do about it other than close my account and open a new one, however it was not an option because I would have had to bring my account current which at the time was about {$700.00} in the hole due to this issue. The cable company stopped billing but the loan company continued costing more money. I asked the bank if they could block the fee, they refused. this went on for several weeks and was advised that i could go into a repayment plan with my account which means I can still use my account and then owe the balance on another account which I pay {$110.00} per month on for 6 months. I was also told the only way for me to go over would be if there is an automatic payment on the account, which turns out later to be untrue as I have got an overdraft fee a couple weeks ago and asked for a one time courtesy of credit, they refused and advised me to call my branch and usually they are more lenient and I found out today they also use the same denial script as the customer service reps. I also was told the first time I ever went over on my account that it will give one business day for my account to charge the fee, this time now the rep told me since I went over by {$6.00} it charged me {$36.00} but it was the next day. I advised her that my account was not overdrafted because I checked it before I went to the storeat XXXX XXXX XXXX, she persisted to tell me my balance must have went over right after that. ( she saying apparently within an hour and a half after i went to the store ) im wondering Who checks their account that late? i was also told by repayment dept my payments are due the XXXX of each month or they would permanently close my account, I found out the hard way that it was actually the last business day of the month by another rep about 3 months into the plan where I paid a day late due to the previous misinformation and was in jeopardy of my account closing but it remained open. Just last week I received a letter from US Bank stating I have been charged {$770.00} in overdraft fees in the last 12 months. I was not aware of this massive amount that I have paid this bank. Today on my lunch break, I go to get gas and was declined because once again apparently my account went over since yesterday and was also charged {$36.00} twice the same day. So I call my branch at the landing and spoke with XXXX. I explain to him the situation with my account and how i need to get to the bottom of this. All he does is tell me ways to avoid the fees while wasting 15 min of my short lunch break and trying to sell me a line of credit and a credit card. So instead of giving me a one time courtesy while explaining how the account is currently set up, he tries to get me to incur more debt? This customer service I have been given is totally unacceptable. Ive been given so much misinformation by this company and every time I turn around someone is saying something different. Now XXXX tells me I have to notice my account went over the same day and put the money back in by XXXX XXXX. To make that doesn't make any sense, and its very inconsistent with what ive been told before. He also turned off my overdrafts, so I cant incur anymore but it's too late, like I told him when I entered the rrepayment plan in XXXX I was told they were turned off then! Then he said im sorry I cant refund you but ill speak with my manager and see if he will and we will get back with you. So I told him well please just explain to him what I told you about my repayment plan account and what I was told when I set it up. He then says yes im just going to tell you now that we probably wont be able to waive the fee but we will be in touch! Ive never experienced such unfriendly, contradicting, unruly customer service in my life. But yet I've given this bank over {$800.00} in just 12 short months. Is waiving my current fees I got today too much to ask? Every time this bank makes a suggestion to me to help me, I do it. turn off overdrafts, I do it! change the type of checking I have, I do it! Call the branch, I do it! Yet they never do anything for the customer, they just give bad information and take their money. | ||||||
| 11/23/2020 | Yes |
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| Here is a copy of parts of the email I sent US Bank. This loan did finally close but I believe there are potentially two RESPA violations. If I could request a few moments of your time, I will lay out the situation and what I see as violations. - This started XX/XX/2020. XXXX and I discussed 3.5 % with no points, I applied and received a closing disclosure. We decided to wait to see if rates got better. -On XX/XX/XXXX, we locked at 3.5 % and no points. I was told it could be a slow process. XX/XX/XXXX we got our appraisal. XXXX said we should close around XX/XX/XXXX. XXXX XX/XX/XXXX, I received more paperwork from USBank automated site. I thought this was just required to complete the loan. I now see that my credit was re-pulled at this point and I believe I was re-app 'd. This was never communicated to me. I thought I was getting close to closing as I had worked with XXXX 's assistant, XXXX to turn everything in within days of request. Why they had me re-app is still unclear to me and was certainly unclear to me then. - On XX/XX/XXXX, I asked XXXX where we were ( thinking I would be close to closing ) and this is the text I received : " Only that our rate is secured ( no worries there ) but the bank has made some changes to how we are dealing with refinances currently in our pipeline ( basically guaranteeing the rate promised ) but extending the closing out ( so we can continue to crush the purchase business ) since many lender still aren't able to do jumbo loans we are taking quite a bit of purchase deals and still closing them in 30 days or less ( Awesomeness ) but that comes at the expense of the refinances. '' - Additional months went by and I started bugging XXXX that this was taking an inordinate amount of time. I continued to supply XXXX with any info requested in a very timely manner. I started to get more agitated when a client I referred to XXXX months after I locked closed on his Jumbo refi and still not action on my loan. XXXX XX/XX/XXXX, I received the final CD and suddenly there were XXXX points charged for the 3.5 %. I wrote XXXX asking for an explanation. He said don't worry - he would take care of it. A day later I received a new CD with XXXX points. No call, no explanation. I wrote and called XXXX and said that was unacceptable. This delay was completely on US Bank and he had assured me my rate lock wouldn't change. He wrote the following : " Yeah I'd have to go back an see ( since its been some time for sure ) but i do know this is the best pricing we can do as I wrestled with managers ( yesterday as we needed this revision ). " He followed this up in a conversation where he said if I didn't like it I could cancel - he basically said take it or leave it. As you can imagine this was extremely upsetting and it was clear that he was trying to make more money off of me ( this is a $ XXXX loan so significant $ $ in points ). I was not willing to cancel the loan as rates had changed since I locked in XXXX. The next day I escalated this to his manager, XXXX XXXX. I only received one email from XXXX that said he would look into it and then XXXX wrote that the points were removed. No follow up, no explanation, no call from XXXX. - This loan still lingered. Multiple re-verifications and requests for more info that I again responded to within days. - Finally, on XX/XX/XXXX, XXXX 's assistance XXXX tells me we are clear to close and we must close by Friday or she will have to re-pull my credit and start again with all the XXXX questions. No advance warning for the Title company. Thankfully, I have a relationship with XXXX XXXX XXXX XXXX. They rushed payoff and numbers and were able to get it closed in a few days. I received texts basically implying that the Title company was to blame if we didn't close. Completely crazy as this had been going on since XXXX and they didn't communicate anything to Title. I am just thankful for the XXXX. Since I sent a slightly expanded version of this email, I have talked to XXXX XXXX, a manager higher up in US Bank. He said that while he hadn't done a complete review, it looks like some requests were sent to an unknown address so that could justify the change of circumstance and why I needed to re-app. He also expressed multiple times what a high producer XXXX was and everyone else was happy. I was so disappointed in that conversation that I believe that this needs to be looked at by a third party. | ||||||
| 06/16/2021 | Yes |
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| On XX/XX/XXXX I filed for chapter XXXX bankruptcy. As required by federal law I was forced to list my vehicle loan by U.S. Bank in the bankruptcy. On XX/XX/XXXX the auto loan was reaffirmed and signed off on by the attorney for U.S. Bank. My bankruptcy was discharged on XX/XX/XXXX. Sometime in between my bankruptcy being filed and being discharged, U.S. Bank went in and had the car loan completely deleted/removed from all of my credit reports. In XX/XX/XXXX, I called U.S. Bank and notified them that the account was not on any of credit reports. I was told by the customer service representative that it is U.S. Banks policy to delete the account from the credit reports when you file bankruptcy and that they are not required to report it again to the credit bureaus. I filed a Consumer dispute ( Dispute # XXXX ) immediately as the account was reaffirmed and should be being reported to the credit bureaus as paid as agreed. On XX/XX/XXXX U.S. Bank sent me a letter stating that We received your dispute regarding the account referenced above. We have investigated and reviewed the information you provided. Based on our investigation, we have determined that this account is not currently reporting to the consumer reporting agencies because the account was included in a bankruptcy filing. The letter provided an address to mail additional documentation regarding the dispute to. On XX/XX/XXXX I sent in several documents certified mail ( USPS Tracking # XXXX XXXX to again request that the account be reported to the credit bureaus. I submitted the following documents 1 ) Consumer Dispute letter formally requesting account be report to the credit Bureaus ; 2 ) Copy of letter from U.S. Bank dated XX/XX/XXXX ; 3 ) A copy of Equifax and Transunion credit report showing account is not being reported ; 4 ) A copy of bankruptcy Schedule D showing reaffirmed accounts ; 5 ) A copy of the signed reaffirmation agreement dated XX/XX/XXXX ; 6 ) A copy of the order of discharge from the Court ; 7 ) Copy of payments made to U.S. Bank since XX/XX/XXXX. The certified letter was signed for and received by U.S. Bank on XX/XX/XXXX. On XX/XX/XXXX I received a letter from U.S. Bank dated XX/XX/XXXX stating the following We received your request for the account referenced above. We reviewed and identified this dispute to be a duplicate request. As there is no new information regarding the dispute, we are unable to conduct a further investigation and we are closing this dispute request. For us to conduct a further investigation, please provide the following information : New details about the specific information you are disputing in your credit report. A further explanation of why you are disputing this information. A new documentation to support your dispute such as : A copy of your consumer report showing the information you would like to dispute ; Account statements ; A copy of a police report, or A fraud or identity theft affidavit. I immediately called U.S. Bank again once I received this letter and filed another Consumer Dispute ( Dispute # XXXX ) again requesting that the account be reported to the Credit Bureaus. The customer service representative gave me a phone number to the bankruptcy division XXXX. I called the number provided and spoke to representative who confirmed that she showed my account was reaffirmed on XX/XX/XXXX and closed due to bankruptcy on XX/XX/XXXX. I was advised by the customer service representative that as U.S. Banks policies and procedures as of XX/XX/XXXX is that if an account is filed in a bankruptcy they delete it from the consumer reports and will no longer report it even if the account is reaffirmed in bankruptcy. They transferred me back to the consumer dispute service line, I spoke to XXXX XXXX. She advised me that the only thing I could do is self-report the account to the credit bureaus or I could refinance the car loan and then U.S. Bank would report the account to the credit bureau from the refinance date forward. I let the customer service representative know that I had already spoken with the credit bureaus and had been advised that since the account was completely deleted they can no longer see anything about the account and self-reporting is not an option. I was again told by the U.S. Bank representative that I could refinance the car loan and then U.S. Bank would report the account to the credit bureau from the refinance date forward. | ||||||
| 01/22/2018 | Yes |
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| End of XX/XX/2017 I needed to open a business account but could not because I was in XXXX XXXX for an old account I thought had been removed due to multiple disputes regarding fraud on the account. I called and spoke to the Fraud department and the fraud dept pushed me off the phone by stating that a branch manager is the only one who can override a fraud decision. I now live in texas and there is NO us bank in TX so I gave in and decided to pay the debt so that I can accept payments for my new company. This was the 1ST lie I was told. Then I call the recovery department let them know I am calling to resolve a debt and started to vent about my issue. Spoke to XXXX XXXX and yes I was upset but she had no right to put me on hold without permission for a minute at a time so I could calm down. All I wanted was proof of payment so I could open a business account. I asked to speak to a Manager and was sent to XXXX who has the most horrible customer service of any one I have ever experienced. She placed me on hold without permission and later transferred my call without permission. She said she would be more than happy to provide her email so that I could receive the paid in full letter by email but that I was " NOT NICE ENOUGH '' this was the second lie USB told me. I later found out they do not even have capability of emailing a letter because they use a letter service that is a separate department. She was just saying that to be mean! I told her I just wanted to pay it and get it over with and she transferred me without permission to someones vmail. That 's how I know XXXX XXXX 's full name. I asked for full name of XXXX and XXXX and everyone I spoke with they REFUSED to give it to me stating that it was not policy to provide. THat 's fine, but by policy they are still required to provide an employee id # of some sort which they also refused. I called back again and got someone named XXXX who I also had trouble with and was put on hold without permission so I hung up and called back AGAIN and this time spoke to a rep and made the payment. I call back a couple days later and request a letter and have to escalate the call to a manager and end up with XXXX again and ask if now she 'll do the email reminding her that before she said I was not nice enough, she said that I 'm still not nice enough. At this point I am crying I am so mad at how i 'm being treated that I call back to speak to customer service and they recommend to speak to a branch manager to file a complaint so I do call the branch in XXXX, WA that I originally opened up the account with and spoke to XXXX a manager there and he confirms the lies that I was told. # 1 the fraud dept should never have opened a fraud case that far after the fact knowing it would not be appvd. # 2 A branch manager ca n't override a fraud decision # 3 They all have an employee identifier they are required to provide if requested # 4 they can not email letter 's because requested through a separate department via a letter service & # 5 that they remove from XXXX XXXX once paid. According to XXXX they only update and remove after 5years XXXX was very helpfull even said he 'd request the paid in full letter to be mailed to me and to him and would forward it to me if he got it first. So I wait a couple weeks and call him back with no response, then I call the recovery dept and they said the letter went to XXXX wa which i never lived in since i 've had us bank. So I correct my address with them and request it a 2nd time and never get it so I call in and request a 3rd time and NEVER get the letter. Here I am 3months later still dealing with this XXXX AFTER I surrender and pay a debt that I do n't owe. I have not even been able to conduct business for the last 90 days because I ca n't get my business account open! This is absolutely INSANE. I have never been treated so badly trying to PAY something. I 'm no saint in this I was a VERY disgruntled and angry caller for the most part but what could you expect me to be. Most HORRIBLE customer experience I ever had. All to pay a XXXX deb which was originally a XXXX fraudulent paper check ran through my account the same date I had a XXXX on an account I had never ordered paper checks for ... .... even had hospital paperwork. The rest was all fees because it was almost 30 days before I even noticed the account was past due since I was dealing with health concerns not banking at the time. | ||||||
| 07/27/2020 | Yes |
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| MY GOAL : remove all funds ( $ XXXX ) from Reliacard to make a home purchase ( a time sensitive matter ) funds are to be placed into savings at my local credit union. XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was 1hr 59mins This is an absurd hold time, how is this allowed as a business practice? 2 XXXX answered at XXXX, he indicated he did not know the process to release funds for withdrawal, I asked for mgr. Placed on hold, XXXX came back and said to do card to bank transfer online via website, up to $ XXXX daily, takes 3-5 days to complete. 3 ) I tried the above, error messages, process does not work 4 ) total call time : 2hrs 24 mins XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was 2hrs 38mins 2 ) XXXX answered at XXXX XXXX, she researched problem, turns out the card to bank transfer is not allowed in MN. Very helpful agent, she escalated, and received approval for me to withdraw XXXX on Friday as it takes 4 days for the request to be processed and the account opened due to security. XXXX also indicated I would need to go through the process again to obtain the remaining funds in the account. 3 ) total call time : 3 hrs 10 mins XX/XX/XXXX 1 ) I went to my local credit union to complete transaction, DECLINED - see attached. 2 ) I went to local us bank location, transaction DECLINED - see attached 3 ) 2hrs 15mins drive time/transaction time at 2 banks only to be declined XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was only 40 mins 2 ) XXXX answered at XXXX, he researched, finds prior reps request, agrees the card should be 'open ' for withdrawal. He also indicates the rep that was supposed to open the card had not done so, and he is trying to find her. More research will be done, and US Bank will call my cell today with resolution. XXXX indicates I can withdraw {$22000.00} when card becomes open 3 ) total call time : 1hr 7mins XX/XX/XXXX the day is done, I don't have my money, and have not heard from US BANK. XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was XXXX XXXX 2 ) XXXX is rep, she worked with XXXX in escalation dept, who tells her money is available today with a XXXX max 3 ) XXXX , same rep, looks up info from prior notes : XX/XX/XXXX, XXXX important date, because I have tried to withdraw my money on that date, also without success. To the point I gave up, and used different money. 4 ) total call time : 1hr 47mins XX/XX/XXXX 1 ) I went to my local credit union to complete transaction, DECLINED - see attached 2 ) 1 hr 10mins drive & transaction time at bank XX/XX/XXXX called Reliacard at XXXX 1 ) hold time 1hr 58mins, until I had to hang up to take a work call XX/XX/XXXX called Reliacard at XXXX 1 ) after waiting 49min, it sounded as though someone came on the line, but nobody answered. Forced to call back, and start waiting again. XX/XX/XXXX called Reliacard at 1 ) hold time 56mins 2 ) XXXX is rep. She also is completely unaware of how to withdraw anything beyond daily limit. XXXX indicates the account was open on the XXXX, but I must not have taken action. Informed her of my declined receipt. She talked to mgmt again, they will submit the request again, however, XXXX indicates, its only a request, not a guaranty, the money should be accessible in 3 to 5 biz days. I ask how am I to find out, she said I have to look at the app or online each day to see if the limit was raised. I told her that was unacceptable, she said that is the process, no other options. 3 ) total call time : 1hr 24mins 7 Calls to Reliacard made over 3 business days 12hrs 39mins total cell phone minutes for the same 7 calls ( NOT ACCEPTABLE ) Call log attached showing corresponding dates/times/length of calls. How is a consumer to spend nearly 13hrs with Reliacard and work a full time job? It is simply absurd to have to spend this much time trying to get in touch with a financial institution to resolve an issue. Please note, I went through a similar experience in XX/XX/XXXX with US Bank Reliacard, on this SAME account. At that time I was also unsuccessful in withdrawing the funds, and was forced to take a larger loan in connection with a large transaction. In XX/XX/XXXX, I also made many many calls. If I need to locate call records for that fiasco I can, however, the current situation speaks for the Reliacard account servicing problems. **Reliacard is/and continues to causing me pain, suffering, and financial hardship. ** | ||||||
| 04/05/2021 | Yes |
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| My wife and I got divorced on XX/XX/XXXX. After the divorce, some newly discovered funds came through in the form of an escrow refund check from US Bank Mortgage. Per our decree, newly discovered funds are to be split XX/XX/XXXX. We have had money escrowed for the last 6 months to a year included with our mortgage payments from XX/XX/XXXX and prior. These funds were escrowed to eventually pay our XXXX XX/XX/XXXX property taxes and annual homeowner 's insurance policy. Since we got divorced on XX/XX/XXXX, we did not need to pay this bill and the money was refunded to both of us in the amount of {$4100.00}. The refund check went to my ex-wife 's address only, had my name listed first, then my ex-wife 's name was listed second. There was no " or '' or comma in between our names, and she cashed it by only endorsing her name. I have been informed that this should have been rejected since both of our names are on the check. The US Bank teller failed in this instance by cashing it, and my ex-wife committed fraud in cashing it. She will not return the funds and I have asked several times. I have a copy of the check, the account number of the check, the mortgage account number, and the statement that was mailed to me to which was the only way I would have discovered that this fraudulent activity took place. I have been researching and talking to the US Bank Fraud Liaison Department which handles their banking fraud, and the US Bank Mortgage division who handles mortgage fraud. Everyone has agreed this is 100 % fraud. After getting transferred back and forth between the banking Fraud Liaison Department and the US Bank Mortgage division for the last 2 months, being told a fraud case had been opened on the banking side to later find out it was cancelled since it needs to go to mortgage, I finally got to someone high enough and with the wherewithal to handle this. My most current contact is on the mortgage side and his name is XXXX XXXX who reports directly to the USBank Mortgage president. They have said for over a week that an affidavit is being mailed to me to which I must promptly return for them to start the investigation. This is the 3rd time since XXXX where I have been told an affidavit is coming. This time, I have been assured it truly is coming. They say they always start from the beginning, and they will start the investigation on the Mortgage side which is their policy, and then take it to where it needs to go from there. As I mentioned, for a while, I was getting the runaround with all contacts at USBank. Most likely this is because my ex-wife is an employee there, and she had to take this check to a teller she knows within her branch to get this fraudulently cashed. Being a nearly XXXX employee, she knows banking practices and the law, and she knows this was fraudulent which was the only way this would have gotten through. I have verified this as the case per the contacts I have spoken with at USBank fraud, USBank Mortgage, and others. I have setup a case with the XXXX, IA police department as well. It is case # XXXX. The police chief is XXXX XXXX and his email address is XXXX and their phone number is XXXX. He has emailed me a few times stating he believes this is more of a civil matter, but he will help me any way he can. He has contacted the XXXX XXXX Iowa attorney. I contacted the Iowa XXXX XXXX over the weekend, and they referred me to you, the XXXX, and they mentioned I may want to get in touch with the Iowa XXXX XXXX XXXX at the state level. They thought I may want to get in touch with the FDIC at the national level, but your rep, XXXX XXXX XXXX XXXX ), said you will handle contacting the FDIC if necessary. I have been taking notes of nearly every conversation with every person to which I have conversed since XXXX. I can provide any supporting documentation to which you may need including the endorsed check, the mortgage statement showing the refund, and all conversations. The US Bank Mortgage department only gives me their customer service number which is : XXXX and I have to get transferred several times until they get me to XXXX XXXX who reports to the US Bank Mortgage XXXX. The US Bank Fraud Liaison department can be contacted at : XXXX. XXXX has been my main contact there and her employee ID is XXXX. The auditors are XXXX and XXXX. That's the best information she could give me on them. Thank you for your assistance. | ||||||
| 01/11/2022 | Yes |
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| I was a customer with US Bank since XXXX. On XX/XX/XXXX, I noticed that there was a payment from my checking account to my reserve line that went through without me making the payment -- which made my checking account go negative. What usually happened in the past, is the available funds that I had would cover any negative amount in my checking. I had over {$40.00} in available funds however non of that covered my negative amount. Then I was charged a {$36.00} fee. I called US Bank on XX/XX/XXXX to discuss this. I had to talk to a few people -- one who took care of the {$36.00} fee and another one that made a {$21.00} payment to my reserve line ( which can be seen on my reserve line account ) but that person stated that I needed to go in, to make a payment to my checking account -- which I did ( all of this can be seen on both of my accounts ). When I went in to the US Bank branch on XXXX XXXX in Mt XXXX WA on XX/XX/XXXX roughly 2 hours after I talked with US Bank on the phone, I was clear that I wanted to deposit some money to my checking account to make it XXXX. I provided {$21.00} in cash AND that I wanted to close my checking account. The teller applied the amount to make my checking account zero then applied the rest ( XXXX cents ) to my reserve line. The next month in XXXX, when I had to make a payment to my reserve line, I noticed that the payment in XXXX was reversed so I asked the teller about it and she stated she did not know why the payment was reversed. When I contacted US Bank about this, they stated they could also not tell me why. A few days after I made the payment, I noticed that my pay off amount was getting higher but there was no documentation to my account on why that was so I contacted US Bank and they stated there was a daily fee posted to my account. On XX/XX/XXXX, I went to the same branch in XXXX XXXX WA with cash to pay off my reserve line and stated that I wanted to close that as well and wanted documentation that it was closed. The teller made the payment then stated he could only put in a request that it was closed. I stated that if it's not closed, then I was going to get daily fees. The teller stated he could not provide any documentation that they closed my account or even put in a request- to show that's what I wanted ; or provide any documentation that I would not be getting any daily fees or any other fees. So I contacted US Bank via messenger so I had written documentation. The employee stated that the branch was the only one that could actually close the account and also told me that my checking account was never closed -- which I wanted 2 months prior. So then I had my mom come with me to go back to the branch and we went inside- so that I had a witness to what was being said. We first talked to the teller I had made the payment with earlier that day and he supposedly got the " branch manager '' who we spoke with. She would not provide any documentation, not even her business card -- which has her name and job title on it. I provided the documentation to her to show what US Bank was saying. She refused to look at it and stated she didn't know who it was. It clearly showed " US Bank '' on the documentation I was trying to show her. I stated I wanted both my accounts to be closed ( checking and reserve line ) that day, as well as to not get any more fees. She stated she would not provide any documentation. I made a complaint with the FDIC since on the drive thru window on the US Bank branch says that the bank is with the FDIC. I did not hear anything from US Bank until they called me on XX/XX/XXXX. She asked me what happened and I told her exactly what I put up above. I asked her for documentation that both accounts were closed since I still did NOT receive it as well as the {$21.00} payment since it was reversed. I told her that I had over {$40.00} in available funds and I am only asking for the {$21.00} back that is clearly shown on the account as well as documentation that my accounts were closed. She stated she would send me documentation but would NOT refund me the {$21.00}. I asked her why and why it was even reversed the first time. She did not answer the questions and kept stating she would send me documentation. It is now XX/XX/XXXX - one week after I spoke with her and almost one month after I went in to make the payment and wanted my account to be closed and still NO documentation. | ||||||
| 02/26/2021 | Yes |
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| On XX/XX/XXXX and XX/XX/XXXX there were three " Bill Pay '' transfers from my account that were fraudulent. One was in the amount of XXXX dollars. another for XXXX dollars and a third for XXXX dollars totaling XXXX dollars from my account. The party responsible was able to call Reliacard customer service and change the email on my account allowing them to change my password and gain access to my online account which they then used the " Bill Pay '' feature to send money to private accounts. I called Reliacard customer service on XX/XX/XXXX as soon as I became aware of the fraud as I could not access my online account due to the password having been changed. I told them that I did not make those transfers and asked them to cancel the transfers. I was given PCTR ticket numbers for each of the three transfers and told that a fraud investigation would be opened and to expect it to take 10-15 business days for the investigation to run its course and for me to get my money back. After waiting over 15 days I called the Reliacard yet again and was told that an investigation had not begun because they were waiting on dispute forms from me that I never receive nor was I ever informed that I needed them. They told me that they could mail the dispute forms to me and I could return and the investigation would begin once they received the dispute forms. I waited 7 days to receive the dispute paperwork in the mail and never received it so I called reliacard customer service once again and they told they could fax me the paperwork so I gave them my fax number and told that the fax would received by the next day. The fax never came so I once again called reliacard and was told that the fax had not been sent so they told me they would send it again. I once again did not receive a fax from Reliacard. I then called again and was told that a dispute had actually never been started on my account and that is why the dispute paperwork had never been mailed or faxed. They finally started the disupte claim and I did actually receive the dispute paperwork through a fax that I then filled and faxed back to the company on XX/XX/XXXX. I was told to give them XXXX days again to investigate the fraud. I called back again on XX/XX/XXXX to check on the status of the investigation and was told that they are unable to dispute a claim involving " BillPay '' and that I needed to contact the company that does the " BillPay '' even the link that takes me to website for " BillPay '' and click on customer service tells you to call the number on the back of your card. Also if you look in the Reliacard cardholder agreement under Section 24 Bill Pay Service line K states " for bill pay error resolution, please refer to the " Your Right to Dispute Errors '' section above ''. Your Right to Dispute Errors is Section 16 of the agreement telling you to contact Reliacard customer service and follow the exact steps that I have taken. After pointing this out to representative that I spoke she asked me to hold and then came back on the line telling me that they had made an error and that you they can dispute " BillPay '' charges but then telling me that I had to refile my claim because they had made mistake on the first one. Which she admitted was their mistake and I have on recording telling me that they had made several mistakes in the handling of this claim. She told me to call back and to speak with the fraud department as she could not transfer me to them. She also refused to tell me the name of her supervisor or give me a way to contact them, telling me that there was no one else I can talk to aside from her. I then called back to customer service asking to be connected to the fraud department and was told that I could not be transferred but they would escalate my claim to the fraud department and told I would have to wait another five days for claim to be processed to start the process over again. At this point I have been dealing with this issue for over two months and have contacted them almost every week, I in good faith reported this fraud to them the day I became aware of it and well within the reasonable time frame as laid out in the card holder agreement. I no longer believe this company is acting in good faith to resolve this claim and have purposely been trying to obfuscate my attempts to have my money returned to me. Below I have the dispute paperwork that I faxed to them. | ||||||
| 10/18/2020 | Yes |
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| On XX/XX/XXXX I had called us bank reliacard to do a transaction dispute. When I spoke to the representative about it she immediately advised me she was cancelling my card and going to issue me another. She said the new card will be expedited to my home, she proceeded to ask for my physical address to have the card delivered. I gave her my address and was told it would be in the mail in 3 days and was charged XXXX dollars. I received my card on the XXXX, 11 days after the call ... Well on the XXXX I called the number on the letter received with my card to activate it like the letter instructed. Upon calling and putting in the card number I was instantly directed to a us bank representative. My balance at the time was XXXX dollars from my unemployment. When a representative finally picked up the line I was shocked to be told my account was locked .. Confusion quickly set in and I responded with the question why is it locked. The US BANK RELIACARD representative said it was due to a address change. Deeper confusion set in as I tried to remember when I possibly changed my address. The rep responded with the date of XXXX XXXX .... I informed the rep that I gave the previous rep my physical address just for shipping purposes of my new card. Well without my authorization or approval the rep had changed my address completely. After a lengthy attempt at correcting said mistake I was told that I was being forced to fax documents of validation of my address. I gathered all the info they wanted to prove my mailing address and the original address that had been on my account for the past 5 months. I called several times that same day inquiring the status of my fax and I was told it would be 2 days ... Well 2 days later I called US Bank reliacard to check it again and the rep this time said the investigation team never received my fax .... So I sent another. Once again I was told it would just take a couple hours. Hours went by and I checked again ... It showed it was sent but know it was gon na be 5 days till I would know if it was even enough to unlock my account. Once again I tried to plea my case that all of this was the FAULT OF US BANK AND ITS REPRESENTATIVE but no one cared or wanted to listen. I called everyday several times a day to try and speed this up cause by this time my car was in default and my rent was coming up. Ignored, hung up on, and misinformed was what I received everytime. Then on XXXX XXXX at XXXX XXXX I received two text messages stating that my us bank account was unlocked XXXX card had been made active. I called to make sure and the info I received hadnt made it through all the channels yet. The representative and supervisor at the time quickly activated my card and I was under the impression the matter had be resolved. I had access to my funds but it was already to late to save my home and my car. On XXXX XXXX I received my next installment of my unemployment funds ... I called at XXXX XXXX to verify transfer of funds and sure enough I had XXXX dollars on my account. I was driving a friend to have some XXXX XXXX work done and I stopped at a convenient store to get a beverage and breakfast when at the register my card was declined. I knew I had funds on my card so I went to the ATM and tried to withdraw cash. I got none. So I called the us bank reliacard to see what was the issue. Once again my account had been locked. This time they wanted verification of my identity. I was told the lock had been put in place on XXXX, the same day the first lock was supposedly lifted ... I explained I had been using the card and wasent notified of the lock or that I needed to prove verification of identity. I explained that I was just supposed to verify my address and that the lock was lifted. No it's been another week of XXXX and the US BANK RELIACARD staff and the called offline investigation team once again treat me as if I had done something wrong ... This is totally stressing me out and I can't afford to be under high levels of stress due to my XXXX. XXXX is one of the triggers of my XXXX. No one will listen and no one cares .... I COULD DIE BECAUSE OF ALL THIS, BECAUSE OF THE FAULT OF US BANK RELIACARD, THE OFFLINE INVESTIGATION TEAM AND EVERY REPRESENTATIVE AND SUPERVISOR I HAVE HAD TO DEAL WITH. THIS IS NO JOKE OR LIGHT HEARTED MATTER, IM AM BEING VICTIMIZED NY THIS COMPANY AND THEY HAVE ME IN FEAR OF MY LIFE.. HELP ME PLEASE | ||||||
| 06/11/2023 | Yes |
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| I have been a customer of US Bank for 3 years and 2 weeks ago there were 7 fraudent charges I noticed upon checking my account transactions, in which I immediately contacted US Bank customer support and they took the report and in the meantime sent me THREE new debit cards at oonce when I have no idea why considering I only need one, and they did their investigation and found I was not at fault and sent me a letter confirming this and that they had credited my account for the fraudulent charges and that was all and I felt relieved and thought everything was fine. Then within a week or so I was experiencing problems trying to XXXX money to a friend and I wasn't able to transfer funds between my 2 accounts and not able to do anything online so I called them to after a huge run around and being transferred 3 times because nobody could figure out what was wrong I finally get a representative who conferred with her supervisor about what the problem was and got back on the line with me and informed me that US Bank had closed my account and when I asked why, she assured me that it was strictly for my protection because of the fraudelent activity and that they were protecting me as their customer and that all I needed to do was to go into a branch and open a brand new account and I even asked her if there was going to be any problems because nothing I did was wrong and she once again promised me everything was fine and to go open a new account the following business day. I then went into a branch of US Bank located in XXXX XXXX California branch located on XXXX XXXX inside a grocery store and when I went to the counter, I explained why I was their and what US Bank representative had told me to do and what happened next blindsided me and felt like I had been slapped in the face when the branch manager named XXXX proceeded to stand behind a teller and IN FRONT OF EVERYONE INCLUDING CUSTOMERS AND BANK EMPLOYEES AND SAY TO ME IN THE NASTIEST, LOUDEST, RUDEST, UNPROFFESSIONAL, DESPICABLE WAY THAT, " I WAS NO LONGER WELCOME TO BE A CUSTOMER AND TO GO TAKE MY BANKING ISSUES ELSEWHERE! '' THUS ABSOLUTELY HUMILIATING ME, MAKING ME LOOK SOO STUPID AND LIKE I WAS SOME KIND OF TRASH AND I WAS MADE TO FEEL LIKE I WANTED TO SHRINK INTO THE FLOOR I WAS SO EMBARRASED FROM THE SHEER, INTENTIONAL, DISGUSTING WAY I WAS TALKED TO IN THE MOST DEMEANING WAY! I asked why customer support had told me that it was for my protection and told me to go in person into a branch and there would be no problem opening a new account to which he gave me one of the ugliest looks I have ever seen and stated, " They told you that so you would show up in person so we could tell you that you are no longer a customer and that we don't want your business and to bank somehwere else! " So I was lied to, tricked, told to go into a US Bank branch under the pretenses that everything was fine and that I was just being protected as a customer, only to set me up to go into the branch and get blindsided and treated like I was garbage, humiliating me in front of everyone and put down in the nastiest most evil way possible by this manager XXXX. I didn't deserve that treatment or to be lied to and given instructions as a set up to make me look and feel stupid by US Bank and I am filing this complaint because what they did to me and how I was treated is despicable and just about as badly as one can be treated in any business let alone a banking institution that I was a loyal customer of for years with no problems and I never did anything wrong. Now as a result I have not been able to open a bank account at a major bank because of US Bank closing my account without reason and has messed up my finances, with bills not going thru that are attached to my US Bank account on auto pay and I am getting returned checks and incurring fees all due to US Bank and their unscrupulous business practices. This is unnaceptable behaviour and unprofessional and that's putting it mildly. I believe US Bank should be held accountable including their representatives who set me up and lied to me giving me false information and especially the manageXXXX XXXX at the branch I went to because this all has been humiliating and now I am having horrible problems scrambling to get a bank account and having problems solely due to US Bank and their unsavory ways. Please do something about this, Thank you. | ||||||
| 12/09/2021 | Yes |
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| XXXX Complaint filed with Federal Trade Commission Thursday, XX/XX/2021 XXXX The dispute is with XXXX in the amount of {$320.00}. The alleged transaction date is XX/XX/2021. Contract # XXXX. A reservation for equipment rental was made for XX/XX/2021 at the XXXX, CA, XXXX address. XXXX the customer service agent called me on XX/XX/2021 and said we could pick up the vehicle on that date. The reservation was for Sunday, XXXX XX/XX/2021. At the time of renting the XXXX truck, a driver was designated, XXXX XXXX XXXX, who was flagged as having an outstanding issue with XXXX. I was not aware of this at the time of rental. XXXX provided me a toll-free number to call and determine why the reservation was frozen. They indicated a driver I hired had an outstanding debt with XXXX. I said to strike his name from the driving record and that he would not under any circumstances drive the vehicle. I was told I would still be unable to proceed with the rental even if his name was stricken from the driving record and prohibited from driving the vehicle. I went home and cancelled the XXXX Reservation online at XXXX PM on XX/XX/2021. I have copies of all correspondence with XXXX and the cancellation confirmation. My partner, XXXX XXXX, stepped in and rented the truck as I was prevented from continuing the rental contract. XXXX XXXX 's contract with XXXX is XXXX. A charge in the amount of {$320.00} appeared on my XXXX credit card statement on XX/XX/2021. I called my bank, US Bank, on XX/XX/2021, and reported fraud since no product or service was provided ; XXXX prevented me from continuing the rental process through no fault of my own ; and emailed XXXX on XX/XX/2021 at XXXX PM requesting reservation cancellation. Moreover, the XXXX statement indicates the reference is for RENTAL # XXXX. That is NOT my contract number. I have not contacted an attorney. No court action is pending. No judgement in a court of law have been made. I am asking the Office of the Attorney General of the state of California to intervene on my behalf and demand XXXX provide a thorough accounting of its actions. I have no past or previous debts with XXXX. My account with US Bank Visa is in good standing. I did not receive a product or service. I was not given a receipt for any product or service. Please help. This amounts to consumer fraud since no service, product, or benefit of the bargain was received. I was never issued a receipt or invoice. The XXXX location in XXXX, CA simply processed an unauthorized charge of {$320.00} against my US Bank Visa without basis or foundation. LETTER OF DEMAND TO XXXX XXXX IN XXXX, CA. SENT XX/XX/2021 : XX/XX/2021 DEMAND LETTER XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Contract # XXXX Dear XXXX, I demand that XXXX return monies charged against my US Bank Visa account on XXXX XX/XX/2021 in the amount of {$320.00}. No receipt was provided to me. No services or products were purchased. No receipt was provided to me. At the time I was renting the vehicle at the counter in XXXX, an eA-lert was generated and the rental process could not go forward. I called the toll-free number you provided ( XXXX ) and the agent indicated a driver we had designated to drive the long-distance trip had an unpaid debt with XXXX. I asked the agent to strike his name from the driving record and stated he would not drive XXXX 's truck at any time. The agent indicated that I would not be able to proceed with the truck rental until XXXX XXXX XXXX resolved his issue with XXXX. XXXX was penalizing me for another individual 's debt over which I had no control and through no fault of my own. Since XXXX effectiviely barred me from proceeding, my partner, XXXX XXXX XXXX, booked the moving truck in his name, using his driver 's license and billing information. His contract number is XXXX. HIs invoice was {$1000.00} upon check-in at XXXX, CA, on XX/XX/2021. Since the retention of {$320.00} represents consumer fraud and theft, the matter has been referred to the XXXX County District Attorney 's Office, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Other regulatory filings of fraud with federal and state enforcement agencies are in process. Consumer fraud is a serious matter with punitive sanctions imposed in addition to the demand for return of monies owed. XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, CA XXXX Tel. XXXX XXXX XXXX | ||||||
| 11/29/2023 | Yes |
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| I submitted complaint XXXX on XX/XX/2023 ( attached ). Fidelity responded on XX/XX/2023 ( attached ). In their response Fidelity claims : " Our subsequent review of your claim has revealed the claim was not handled correctly. '' And then asks I provide further information and that : " As soon as the requested information is received, a provisional credit will be issued for that amount and final resolution letters will be sent. '' I responded with the necessary information within XXXX hours ( attached ). However, Fidelity has failed to respond once again. No credit has been issued and no letters have been sent. I am now being charged a late fee for failing to pay my credit card bill. However, payment is impossible because the disputed charge remains on my bill. After 10+ years of paying my credit card with fidelity on time, I will have my first late payment due to their inability to handle this dispute properly. There will also be negative credit reporting due to late payment, which means I am paying for Fidelity 's mistakes with my time, money, and credit score. Fidelity claims in their response to my previous complaint that they attempted to call me 3x on XX/XX/2023 and XX/XX/2023. However, I have no record of these calls happening three consecutive times. They also claim they could not leave a voicemail. Oddly, several business and personal voicemails have been left during the time span of the supposed calls. I believe these calls did not happen, as the facts do not support it and Fidelity now has a history of failing to communicate with me on matters with this dispute. As they admit in their own response. I have attempted to resolve this issue with Fidelity since XX/XX/2023. It has costed me 50+ hours of time, 30-40 calls, and several faxes. The time is invaluable and the calls and faxes have now accrued significant personal cost to me, as I have to pay for each one. Fidelity 's behavior on this matter is appalling. They have miscommunicated, misled, and mistreated me during the whole process. I am going to write a 2nd complaint on the same issue, because it is the only way I can get any response out of them and they continue to make false promises and not follow through. In order to resolve the dispute I firmly ask that : ( 1 ) A credit for {$2500.00} is immediately issued to my credit card. This amount represents the total disputed amount minus {$130.00} that was previously credit to me. The cost of moving XXXX, booking new ones, throwing away food, changing flights, changing my travel plans, and losing several days does not begin to be covered by this credit. The cost of the XXXX I had to leave due to an illegal invasion of privacy and safety by the host is far higher than my refund. The service was not only not what I paid for, it had significant financial cost to me to fix it. ( 2 ) I be reimbursed for my time, fees, and communication costs. A 10,000 point gesture is nice, but meaningless when I continue to accrue late fees because Fidelity does not do what it says it will. I have lost significantly more money on this matter than I should have because of Fidelity 's inability to handle it properly. ( 3 ) Any negative credit reporting for late payment be reversed. I should not be penalized for Fidelity 's mistakes. ( 4 ) A detailed explanation of why I am being treated this way. I have been a customer with Fidelity for 10+ years, since my first job. I have followed all Fidelity rules, communicate properly, and provided all information asked in a timely and organized manner. Even when I had to call for the 20th time I treated all employees with respect and patience. I have never been angry, unreasonable, or untruthful during this process. Yet, Fidelity lies to me, treats me badly, and does not handle my issue fairly. It has cost me so much time, money, and stress you can not begin to imagine. ( 5 ) Due to Fidelity 's untruthfulness, inability to communicate, and growing cost to me to resolve this, I request all communication be done on CFPB or Fax. I can not trust Fidelity and need written communication from here on out in case this needs to escalated further. I have already told Fidelity numerous times I can not communicate with Mail and they clearly can not communicate over the phone despite my attempts. Since Fidelity refuses to email me, my fax number is XXXX. Respectfully, XXXX XXXX | ||||||
| 04/14/2018 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX. I work as a XXXX XXXX in an XXXX XXXX. I wanted to retire in one year and be able to travel. I lost my husband 39 years XX/XX/XXXX I only have one income coming in to my household. Currently, my credit score that had been almost perfect all these years is now at XXXX due to US Bank and XXXX XXXX causing A default on the loan where I bought a camper. I purchased a XXXX XXXX XXXX XXXX camper on XX/XX/XXXX. That was one bad decision that I regret deeply. I took the camper camping first week in XX/XX/XXXX that weekend it rained and it rained inside the camper in three different locations. XX/XX/XXXX I returned my camper back to XXXX XXXX of XXXX XXXX and they said that they did not want to check the camper out for leaks that all new campers typically leak. I left the camper with XXXX XXXX on XX/XX/XXXX. XXXX XXXX reported that they did not find anything wrong with the camper and I needed to come back And pick the camper up. I refused to go and pick up the camper because I felt like XXXX XXXX should compensate me for a camper that Leaked in three different places, the first time that I took it camping. Meanwhile, I write reports to the XXXX XXXX XXXX and they told me to take XXXX XXXX to small claims court. The whole time I notified U.S. Bank know that I did not have possession of the camper XXXX XXXX had possession of the camper. However, after months of me refusing to make payments on a camper that leaked and XXXX XXXX would not say my camper had a leak. XXXX XXXX would not negotiate with me. Therefore, XXXX XXXX and US Bank in cooperation with each other charged off my loan. Keep in mind I sent in records I sent documents to US bank and their consumer affairs person she would respond back by writing me a letter back insinuating that XXXX XXXX should be making the payments on the loan. U.S. Bank and XXXX XXXX or in collaboration against me in saying that I default ed on this loan. Now the loan is in collections and they are asking for {$26000.00} for a camper that has set out in the open at XXXX XXXX for four months. The camper is in bad shape and you can see where XXXX XXXX re-sealed the camper and when I went to pick the camper up it had a flat tire the bolts on it had rusted and you could tell that it had been out in the weather. I spoke to XXXX in the loss prevention team and tried to negotiate a price on the camper and to keep my credit to the good but he would not negotiate with me. This camper is not worth {$26000.00}. XXXX XXXX and US Bank has made my credit bad when I only had this camper from XX/XX/XXXX to XX/XX/XXXX. I only used this camper one time and took it directly back to XXXX XXXX. XXXX XXXX should have to compensate me and compensate US Bank. This is in injustice this is bad business with XXXX XXXX and US Bank. As a consumer I was not satisfied with my camper. I have videos I have witnesses that will verify that this camper did leak. The purchase price of the camper was {$25000.00}. I have offered a price to XXXX who works on the prevention team. He has not tried to prevent this camper from being turned into a repossession. It would seem to be obvious that my situation is not of my doing XXXX XXXX of XXXX XXXX and U.S. Bank are just as much responsible for this situation as I am why should I pay {$26000.00} for a camper that typically leaks. I would love to rectify this situation and I'm going to do everything within my power to keep XXXX XXXX and U.S. Bank from ruining my credit. I have not received any letters from U S Bank telling me about my account being charged off. I called the bank and they told me I could no longer make a payment. The bank had charged off-the account and I wasn't even told that it was being charged off. All I'm saying if I was informed that it was going to be charged off I would have made an effort to bring up the late payments on the camper I wasn't even given a chance to prevent my credit from being ruined. Presently I am being informed that the camper will be repossessed and I will be responsible for the remaining balance. Considering this situation I am asking US Bank CEO President to intervene on my behalf and allow me some leniency. Allow me to keep my credit-allow me to negotiate a price on the camper. Tired, disgusted, frustrated, at my age caught up in a bad situation. Respectfully and sincerely yours, XXXX XXXX XXXX. | ||||||
| 12/08/2023 | Yes |
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Web | Older American |
| XX/XX/XXXXXXXX -- unable to login to usbankreliacard.com with saved password and user name. Customer svce ( CS ), kept having me change it. I finally figured out on my own that I need to enter the info manually as the web site doesn't not remember your saved info like every other banking institution or company does. XX/XX/XXXX -- i finally get to my account and go to " card to bank transfer '' to transfer the entire amount ( XXXX ) to my checking account held at my local bank. I get an error message saying " the amount you enter must be greater than XXXX. '' Well, the number was greater than XXXX and here is where the saga begins. After speaking to 2 different CS reps who identify themselves as XXXX, I get to a supervisor named XXXX. She is the first one to tell me there is a dollar limit of {$1500.00} which I can withdraw everyday. I did not know that and want to move all of it at once. XXXX says she can request a " velocity increase '' for that amount, it takes 2-3 biz days and will be available on XX/XX/XXXXXXXX and then the $ won't actually clear for another 4-6 biz days. So I already get it -- how they're going to hold onto my money for as long as possible so the bank can earn the interest. In the meantime, XXXX tells me, I can transfer the maximum of {$1500.00} everyday. XX/XX/XXXXXXXX -- Friday night XXXXTRIED AND UNABLE to make the transfer of full amount as XXXX advised I would be able to do. I get to supv. XXXX. XXXX tells me XXXX made a mistake with the date. Sorry he can't do anything tonight, but he filed a complaint with the bank on my behalf because of the mistake. He credited me for the multiple fees on my acct. He said he would put in another velocity increase request ; and again, it would take 2-3 biz days. XX/XX/XXXXXXXX -- Weds TRIED AND UNABLE to make transfer of full amount. I get supv. XXXX. OOPS!!! the velocity increase was available on Tue XX/XX/XXXX at XXXX and only for 24 hours so I missed my chance! I said I would have no way of knowing any of that ; it was less than XXXX biz days and didn't know about the " 24 hour '' rule. I ask XXXX who is in charge of this velocity increase ; she said the Limit Increase Dept. but I can't speak to them. XXXX tells me it will now be ready on Monday, XX/XX/XXXX. No she can not email or inform me in any way if it will be ready on that date. XX/XX/XXXXXXXX -- Mon. TRIED AND UNABLE to make transfer of full amount. ( have begun starting to take screen photos as evidence ). XX/XX/XXXXXXXX -- Weds. I finally have time to call and supv. XXXX says OOPS! again, I missed the date it was available, which was Friday, XX/XX/XXXXXXXX ; even though that would have been less than 24 hours since my last velocity increase request, far less time than the 2-3 biz days. Again, I missed my 24-hour opportunity and no one can tell me when this would be available. XXXX now tells me all funds will be available for transfer on Friday, XXXX. XX/XX/XXXXXXXX -- Friday. TRIED AND UNABLE to make transfer of full amount. Calling customer svce beginning at XXXX multiple times, get disconnected multiple times.Then a CS rep whose name I do not have said funds would be available at XXXX that day. At XXXX FUNDS WERE UNAVAILABLE ; called again. CS rep XXXX tells me she has to update or refresh or something my account, wait for 20 minutes, and funds will be ready then. 20 mins later FUNDS WERE UNAVAILABLE. I call again. Now I'm told by a CS rep that the receiving bank has its own limits and won't accept that much . I have to call my bank. It's Friday afternoon, banks are closed and I'm working next day, so on XXXX -- Monday, while driving to my beloved father in law 's burial, I contact my bank, XXXX. They advise that there are no limits on funds they can receive. They also told me there is no evidence of any transfers or transactions that were attempted and rejected by them. XXXX -- Weds. XXXX XXXX will put in another velocity increase request for XXXX Friday at XXXX am beyond frustrated. She takes the name of my bank to make sure it will go through. XXXX -- Friday, this is today. TRIED AND UNABLE to transfer full amount. I call USBank yet again. XXXX. XXXX at XXXX says the transaction has not been approved and I should call back. I ask and she tells me there's no one else I can speak to. I ask where the US Bank corporate headquarters are located and she answered XXXX. | ||||||
| 02/25/2022 | Yes |
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| This is been going in ongoing matter since XXXX when I open my account with USBank and ever since day one I have had to call because they flag my card for suspicious activity from Been I first open my account and had not use that card anywhere yet because I had just opened it so thats why they Were locking my card over suspicious activity because I have never used it anywhere it being a new account just open and I had to call them every time I even attempted to swipe my card or go to use it making it very difficult and stressful and frustrating that I had to be on the phone with us bank more then 5 times a day unlocking my card then they would tell that it was unlocked and then I would go to use it again and it wasnt unlocked just making me call him again and going through it all over again and being on the phone with him over three hours one time in the store and having my car keep declining to the point where we had just said forget it having 2 screaming kids and the store manager was even aggravated towards us and had to rescan the items from timing out on the transaction from being on the phone trying to unlock my debit card just for in the end it wasnt even unlocked for us to ever leave the store With any merchandise and then calling US Bank back after the store themselves telling us we were not going to be charged for that purchase because it was declined then be calling US Bank in them telling me the same thing promising no funds were going to be taken out of my account and not even leaving with any merchandise and then calling US Bank back after the store themselves telling us we were not going to be charged for that purchase because it was declined then be calling US Bank in them telling me the same thing promising no funds were gon na be taken out of my account because it was declined and not authorized but yet funds were still taken out of my account and Im not just talking about 1 or 2 times More like over a handful and the past week trying to get us bank to help me or the stores but they had just told me they cant do anything that I had to take it up with us bank and resolve this issue with them and over a week now everyday of being on the phone for over 7 hours literally trying to get my account not to close and be able to finally Use my funds being Im unable to get propane bring our only source of heat and under 20 degrees and then being told by the fraud department it was the cafe department and then back and forth then finally getting more help today saying that it was there mistake and how sorry for this inconvenience and ever happening in the first place and all the time and problems dealing with all they had caused me and having. XXXX babys without heat because they have a hold on my funds and closing my account and finally said today after 7 hours they were able to fix my account and it wouldnt be closed and i would be able to use my debit card snd funds in my account and after all day on the phone getting told finally my account was fixed just to hang up and then go to use my account and it to still be locked and I even called bank was on the phone for another 3 hours to get disconnected after every time asking to take my number and please call back if we got disconnected just to never get a call back from us bank not once and this is a large amount of money XXXX to just get taken out of my account to be put back snd have them end up walking my account and seeing that it was being closed and then not knowing why in the first place and then after dealing with it for days on end every day hours and hours of being disconnected hung up on transferred and disconnected and on hold and getting nowhere finally today getting told it was going to be good and fine and fixed and its not and then getting hung up and disconnected again I need help because they are not helping me at all whatsoever and Im just going round and round and this is left me in a very stressed frustrated ridiculous situation that I have never experienced with any bank ever And I dont know what to do because us bank isnt helping me and Im so frustrated and stressed about this all I need help desperately this is a very difficult situation and urgent please Im needing help for getting my money back ASAP and actually receiving help not just being told that its fixed and then to start all over again please please help me ASAP | ||||||
| 06/04/2022 | Yes |
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| My lease on a XXXX XXXX XXXX began on XX/XX/XXXX and was for a term of 24 months. In the few months prior to end of lease, I began receiving calls from US Bank regarding where my car was. I had taken it to XXXX of XXXX to assess if the car had any value over what I would owe on a payout and this somehow turned into US Bank thinking the vehicle was turned in. I spoke to US Bank representatives in early XXXX and stated that this was not the case and I would be returning the vehicle on XX/XX/XXXX. On XX/XX/XXXX, I returned my leased vehicle to XXXX of XXXX, which satisfied the end of my lease agreement. All payments were made, which was confirmed by the dealership. Paperwork stating that the vehicle was returned and the lease agreement had been terminated is in my possession. This should have ended me being charged by US Bank and this account should have been off my credit report. I DO expect a final bill from them as they have a turn-in fee at end of lease. Since that day, I have been charged two separate monthly lease payment fees and just received a notice that the account was delinquent ( XX/XX/XXXX ). This is despite the fact that I have gone back and forth with US Bank representatives regarding this being an issue. Initially, I entertained their assertion that it was somehow my responsibility to coordinate communication between them and the dealership regarding the whereabouts of the vehicle. Between 1 and 2 weeks after turning the vehicle in, the dealership advised that they informed US Bank that the vehicle was in their lot and they could come get it. I visually confirmed multiple times that the vehicle remained in the same exact spot that I left it on XX/XX/XXXX. For the last month I have been telling US Bank that the vehicle is at the dealership and there is no legal reason to continue charging me for the lease. Each time, I have been told that they will not charge me anymore. Approximately two to three weeks ago, a US Bank representative told me that they would handle the situation directly after getting off the phone with me. This was after I demanded a supervisor and was not transferred to one. I accepted the presumed sincere conclusion, but then received the aforementioned delinquent notice and saw my credit score go down 70 or so points. Yesterday, I called US Bank billing and was told that the vehicle has still not been accounted for by US Bank and would need to be for the account to be fixed. I was told to talk to the leasing department ( who has been my main contact for almost all communication ) and immediately called them. I was again told that XXXX of XXXX did not let them know the vehicle that the vehicle was in their possession, which is impossible. Myself and the lease return representative at XXXX of XXXX both informed them of the contrary. The representative wanted me to again coordinate with the dealership. I informed her that I have an extensive history with dealing with this specific problem and the vehicle has not been in my possession nor is it my legal responsibility to know it's whereabouts. She tried to tell me that I was incorrect, despite the complete ridiculousness of a consumer somehow being responsible for being tasked with the security of a vehicle on a dealership lot. This representative of US Bank, after ignoring my demand to speak to a supervisor, then put me on hold for XXXX minutes to contact the dealership. Upon returning to the call, she informed me that the dealership lease return representative was not in today but she had passed my account on to the " team '' which schedules and collects vehicles. This would be fine if it satisfied the account, but I was told it was in my best interest to call again next week to confirm this was completed. My account balance and delinquent status remains for who knows how long. Without being dramatic, I'm scheduled to close on my house this month and am the sole provider for a family of XXXX. We've been hemorrhaging cash on XXXX rentals and if the closing falls through I will suffer significantly. US Bank could not be anymore inept in their handling of this situation. They've damaged my credit, caused undue stress, and could potentially cost me thousands if I'm forced to reapply for a mortgage at a much higher interest rate ( not to mention costs a associated with renting expensive furnished housing ). | ||||||
| 04/28/2022 | Yes |
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| Hello, I am writing to formally request a complaint against US Bank and their FHA-loan modification practices. I have been trying to submit a FHA-loan modification to prevent foreclosure of my home since approximately XXXX of XXXX as my financial hardship has been resolved from my divorce. It is 6 months later and I am still trying to get the loan modification. I constantly have been paying on the mortgage and they only apply it to a suspense account and not the mortgage. I have constantly been making payments. My ex-husband and I are on the original loan documents for the house we purchased when we married. In XXXX he attempted to murder me and is currently an imprisoner for it sentenced to 30 years to life. This is all online is you search my name. I have a divorce decree awarding me the sole ownership of the house. My ex-husband also signed a recorded quit-claim deed however US BANK keeps insisting that i can not do the loan modification by myself although it states if I have these documents listed above I can do so and not need his signature to proceed with the loan modification although he will still be held liable. It states on pages 4 of 9 on the loan modification documents that the modification can be completed without him signing as long as I have the supporting documentation in which I have : a recorded quit claim deed and a divorce decree evidencing my ownership of the house. I have sent US BANK all the required documentation and payments necessary to start the loan modification process several times however the loss mitigation department refuses to send the documentation without his name listed and without requiring him to sign. I am in the process of procuring a lawsuit to have this matter resolved and will be asking for damages not only financially but emotionally as I am not supposed to have contact with my ex-husband or any dealings pertaining to him due to a court order which I also explained to the representatives at US BANK, due to the circumstances of the court. I am requesting to do the loan modification in my name solely as I am the sole legal owner of the house, I am able to afford the payments and I have all the required legal documentation to move forward in doing such. I have called several times and received misinformation and false hope repeatedly. All calls are recorded and I have several loss mitigation representatives names documented, XXXX, XXXX, XXXX, XXXX, XXXX ' and the list goes on. I need assistance in handling this matter as I am trying to reside in my primary residence and have no intention on losing or selling the home that myself and my children reside in. I have already contacted a law firm to handle this matter if a resolution can not be met and they are already authorized as a third party on my account as proof that I am in the process of litigation. I ask that this matter be escalated to the correct department. I would like for the loan modification documents to be processed without requiring my ex-husbands signature but processed with just my physical wet signature. I am requesting to retain my home and for US BANK to allow me to assume the mortgage after successful payments have been made to formally remove his name from the mortgage as he is already relinquished his rights to any ownership of the house. I have phone records, documented names and times as well as documentation US BANK has sent saying they made errors in my paperwork and asking me to resend documentation. They offered me different programs to include the HAMP-FHA modification that stated I only needed to make a payment to accept the terms and signatures weren't required. I did that as well sending two payments in the month of XX/XX/XXXX because I was offered two different loan programs and told to make a payment for each. My ex husband once agreed to the loan modification and signed the documents. I submitted the paperwork to US BANK however they rejected it on error, the documents went stale after 90 days and now he no longer wants to cooperate in the loan modification process due to it. I was told underwriting would process the documents without his name due to me having the required documentation for the task to be completed however they keep sending the documents in both our names requiring both signatures and telling me they can not process the documentation without him. | ||||||
| 07/22/2021 | Yes |
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| Communications between self and Reliacard Customer Service ( CS ) /Automated Texting ( ATS ) Automated Emails ( AES ) : XX/XX/XXXX : Contacted Iowa XXXX XXXX XXXX XXXX Instructed to contact Reliacard Customer Service Contacted Reliacard CS Updated mailing address, requested replacement card using expedited shipping method XX/XX/XXXX : Received and activated card XX/XX/XXXX : First use of card Contacted Reliacard CS to unlock and access online banking app XX/XX/XXXX : Last use of card ( lost ) XX/XX/XXXX : Deposit made into account ( ATS/AES XX/XX/XXXX : Card shipped notification ( AES ) XX/XX/XXXX : Contact Reliacard CS to report card missing and request replacement XX/XX/XXXX : Attempted to login to app to check account status too many failed attempts account access locked until confirmation via phone with Reliacard CS XXXX Card shipped notification via ATS ( arrival expected in 3-5 business days ) XXXX Card shipped notification via ATS ( arrival expected in 3-5 business days ) XX/XX/XXXX : Called Reliacard CS to inquire about the delay in receiving the replacement ( According to ATS message XX/XX/XXXX, card would arrive no later than Friday, XX/XX/XXXX ) Call unanswered after 15minutes, had to disconnect while driving. Found debit card in unopened envelope in back seat of vehicle ( no date/never activated ). Used barcode to initiate activation failed instructed to contact phone number on card. Contacted Reliacard automated activation service failed ( during call initiation automated system stated that there was a card associated with my account and there were no options to activate one thought the online activation must have worked and the final page loaded incorrectly ) Took card to ATM to inquire on balance and confirm activation - failed Contacted Reliacard CS to inquire was informed that it was reported stolen. Also was informed that no acknowledgement/record/notes of the request for a new card on the XXXX. After researching thoroughly, CS did not have any indication of my request for a replacement card nor had a replacement been shipped ( told me the last call they received from me was on the XXXX of XXXX ). Was informed that the new card that I was attempting to activate locked my entire account when the ATM inquiry occurred ( security feature ) which would remain active for 24 hours and I would have no access to my account/funds until the lock was lifted. After spending more than 2 hours on the phone ( 15 minute wait time cut off, 21 minute wait time-cut off, third attempt was successful, total call lenth including waiting was 49 minutes ), Reliacard CS manager/supervisor agreed to activate card and lift/remove the Stolen/Lost restriction on the card. Informed me I could finish with the purchase at the gas station that was pending my resolving the activation failures ( I was sitting with no gas at the pump the entire time I was attempting to reach CS. Also, reassured by supervisor that I would have no further issues using the card since the error was at no fault of my own and that the lock had been lifted on the card. After ending the phone call, I went inside to attempt the payment and the card was denied. XX/XX/XXXX : Contacted Reliacard CS to resolve the problem. The card was supposed to have been received 7 days ago and all access to the money has been denied by CS. Was informed by supervisor that the lock would not be lifted off the account until 24 hours had passed from when the ATM attempt was made the previous night. Also refused to explain, review or discuss with me the false information provided by the manager spoken with the prior night. There is absolutely no excuse for this disregard/negligence. They will not transfer the money into my other bank account. They have lied/misled me multiple times. They are refusing me access to my funds and that is illegal. This is a child support card ( its supposed to help me support my child. This card was expected ( as per US Banks commitment ) 7 or more days ago! I have now incurred overdraft charges to my primary account totaling over {$200.00} as a result of the delays US Bank caused. US Bank needs to take responsibility/accountability for their careless choices or they need to be reprimanded for breaking federal law. It is illegal for any agency to hold support payments from the court ordered recipient for any reason. | ||||||
| 10/30/2023 | Yes |
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Web | Older American |
| Approximately XXXX XXXX XXXX XXXX, I got a new loan with a different mortgage company for a 2.75 % loan, was currently with US bank@ 4.75 %. at the time my wife had passed away from XXXX and the house was paid on time after fighting US bank to get it out of forbearance covid program, I paid up on 3 months @ 30 days they reported me late again @ 60 days, found this out through the mortgage lender on new loan my lender is the ex manager of US bank who did the loan with US bank he moved on to another lending company and I reached out to him when Interest rates were good, he did the new loan at a better interest rate but discovered US bank was reporting me late when I was not several conference calls with them and Underwriting, Lender, XXXX, Several times each month. they kept saying they were having problems with System Updates and were holding 3 months payments in a suspended account, while reporting me as late payments affecting my Credit Score, during all this time underwriting and the lender and myself in Conference calls kept asking for a letter of explanation they kept saying they would send months never sent letter. each time over months and multiple calls back and forth continued claiming system update issues sending a letter that never addressed the issue and reporting me late. held me hostage to them and would not meet the requests of underwriting to be able to pay them off. 6 months later I paid for a second appraisal to continue my new loan and continued weekly dealing with US Bank and the Issue with my new lender Explaining how he was a Manager at the time with US bank and was the one who did my loan with them at the time, and how easy it was to do. they kept claiming During this time system Updates were the Problem. to me this seems improper to hold me hostage to there loan at a higher interest rate reporting me late and should be considered hostile lending I suffered an Injury putting me out of work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX caught XXXX 3 times and went through XXXX XXXX XXXX XXXX XXXX XXXX. I was advised that I needed to file with CFPB was Told US bank Messed up. so now after moving on loosing 2.75 % loan I ran out of time on the Covid forbearance went back to US Bank to do mitigation and move forward they XXXX by phone a new loan saying they would notify me when complete and get payment info, said it would be 4 to 6 weeks before payment due. at about a month no one had contacted me so I called them to be treated rudely stating they tried to pull money out of my account I said no you don't have my banking info to do that said they did and there was no funds. they tried to pull funds from an account that had been closed old account in my deceased wife 's name and mine this account had been closed about a year at this time I explained they said they would reach out to me when it was time and no one even let me know it was complete or a due date and I'm the one calling you saying I could make 3 Payments then and there said no, had to reapply so have since applied approximately 7 times with a lot of hassle and denials claiming missing papers to sending letters stating all received then XXXX to 4 days latter saying again missing paper work denied, further would state needed death certificate again 5 times I personally took paperwork to the bank legal papers and all requested documents to claim missing death certificate again then I call and the person says no we have the death certificate were missing bank statements so I send those to receive a week later a denial again for missing doc 's multiple times same game. now the last 3 months per there advise have been using housing conslor 's and non profit as well as HAF and they all advised me after many more different Issues to seek legal and file with you as well as the non profit alliance setting me up with suggested legal help but they want {$21000.00} to pursue I would rather put what money I have towords my house but US bank keeps adding and wont except my offers, I formally am requesting an investigation and whatever the laws allow at this time in my defense, I feel I've been done very wrong and violations have been comited, my witnesses are XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and loss mtigation dept US BanK, and XXXX XXXX XXXX XXXX XXXX XXXX. both have highly recomended I file this coplaint... thank you | ||||||
| 06/25/2018 | Yes |
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| I made a purchase with XXXX XXXX on Sunday, XX/XX/2018 using my USBank Altitude Reserve card in the amount of {$1300.00} and planned to use my rewards points for the purchase. This particular card has a program called RealTime Rewards which allows you to receive a text message after you make a purchase ( immediately after the card is authorized ) and then redeem points for the purchase as long as it falls within the categories selected. One of the categories that the card offers redemptions for is " Airline '' and when you click on the " examples of participating merchants '' it lists " XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX '' as participating merchants which as you can see includes XXXXXXXX XXXX. However, I never received a text message to redeem my points as I was expecting. On Monday, XX/XX/2018 at approximately XXXXXXXX XXXX EDT, I reached out to USBank to find out why I hadn't received a text message to redeem my points and how the could make me whole since I specifically made the purchase on this card instead of another card so I could redeem my points. I spoke with XXXX who looked into the matter and informed me that the purchase did not count because XXXX XXXX billed me in XXXX XXXXXXXX XXXX and only US dollar transactions qualified for the program. However, this greatly confused me as the ticket I purchased was for an itinerary departing XXXX, PA and returning to XXXX, PA and the XXXX XXXX confirmation listed the purchase amount in US dollars. Since XXXXXXXX XXXX flies no domestic itineraries and only international itineraries I was very confused by this since if any itinerary would count towards real-time rewards it should have been this transaction which originates in the United States, and the purchase price was in US dollars. However, XXXX informed me that this was not the case and that XXXX XXXX uses several different merchant codes and sometimes does send transactions in US dollars although they could not tell me when this happens or why my particular purchase which has a confirmation in US dollars and for which the pending transaction is shown in US dollars in the exact same amount was supposedly billed in XXXX XXXX XXXX. XXXX told me that there was nothing she could do for me at this point and couldn't provide me with any information on what XXXX XXXX flight purchases do count for Real Time Rewards. As such, I asked to speak to a supervisor. I was connected with XXXX located in Idaho at extension XXXX who informed me that the purchase was made in XXXX XXXX XXXX and that there was nothing she could do. When I explained to her that if any itinerary should be billed in US dollars it is one which originates in the United States and where the receipt shows in US dollars she told me that it wasn't USBank 's problem and that I would have to reach out to XXXX XXXX. I then asked to speak to her supervisor, XXXX, and she flat out refused to connect me. She told me that I could not speak to her supervisor and that this is as high as the call could be escalated and she can't override the Real Time Rewards system. I explained to her just like I explained to XXXX earlier that if the qualifications are that a purchase needs to made in US dollars to qualify for the program and purchases for itineraries originating in the United States and receipts from XXXX XXXX showing US dollars as the form of payment perhaps USBank shouldn't have their Real Time Rewards program advertising XXXX XXXX as a participating merchant since it seems unlikely if many or any purchases would be billed in US dollars. She ignored this and told me that I need to contact XXXX XXXX to find out why they billed me in a foreign currency when the receipt shows US dollars. She didn't offer to resolve my problem. At this point, I firmly believe that the program is falsely advertising XXXX XXXX as a participating merchant since both representatives admitted that they don't know why XXXX XXXX bills some transactions in US dollars versus most showing up as being billed in XXXX XXXX XXXX. The Real Time Rewards program is extremely deceptive and flawed compared to other rewards programs since supposedly customer service can not override the decision made by a computer in any situation and the consumer is left holding the bag through no fault of their own when the computer makes a mistake. | ||||||
| 01/14/2023 | Yes |
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Web | Servicemember |
| XXXX. The balance was positive of {$37.00} for this checking account while transferring to THE NEW checking and savings accounts due to old accounts that were compromised on XX/XX/XXXX. We went into the branch to close them the next day and open a new checking and saving accounts. However, a {$100.00} XXXX XXXX of XXXX appeared on statement for XX/XX/XXXX until XX/XX/XXXX for no reason on XX/XX/XXXX a few days after we reported the unauthorized transfer by viewing our statements. Also, per the statement on XX/XX/XXXX through XX/XX/XXXX, why would you advance {$50.00} XXXX XXXX of XXXX on an compromised account that was to be closed on XX/XX/XXXX? More importantly, the previous statement clearly states through all of this we did not have a negative balance on this checking account for a XXXX XXXX of XXXX to kick in AND did not have any overdrafts as of this reported compromised account on XX/XX/XXXX. Again, we never authorized a very large mobile transfer credit of from savings to checking on XX/XX/XXXX and was forced to close these accounts. XXXX. Somehow, the statements for this account stopped. We did not receive any statements by postal mail as of XX/XX/XXXX until XX/XX/XXXX from your organization. We had no reason to even get statements on an account that we were told was closed. XXXX. You sent us one bill XXXX without any explanation or summary of charges ( previously or current ) and we had no help from the branch. In an nutshell, we did not receive any bills from your organization between XX/XX/XXXX and XX/XX/XXXX while your organization let these fees and interest spiral out of control. XXXX. We spoke to an employee of the bank who is in XXXX XXXX from the XXXX, XXXX XXXX XXXX about a month and half ago regarding these charges. He was puzzled about the fees and told her he was going to close the account ( which should have been closed in XX/XX/XXXX ) and never did close the account. The same goes for every other customer service member at this branch. On top of it, we have returned phone calls to your US Bank XXXX Department and have not heard back from them. We have since visited the branch several times to get this straightened out. Furthermore, we are puzzled as to where a branch manager was when we needed them every time we stopped in. XXXX. We have been a customer since XXXX with this account, receiving veteran 's benefits via this checking account, to find out after 6 months later we are late on a XXXX XXXX XXXX which was due to a compromised account but still had a positive balance? You have also affected our credit scores DRAMATICALLY when your organization can't simply realize we were the ones who caught the fraudulent transaction ( police reports were filed ) and went to the bank TO CLOSE these accounts on XX/XX/XXXX to avoid further fraud. XXXX. WE ARE REQUESTING US BANK TO RELINQUISH YOUR DEMANDS, GIVE US BONAFIDE PROOF OF YOUR FEES AND CHARGES ON THIS RESERVE LINE OF CREDIT ON A CHECKING ACCOUNT WITH A POSITIVE BALANCE AND WHY IT KICKED IN ON A CHECKING ACCOUNT REQUESTED TO BE CLOSED AT THE BRANCH ON XX/XX/XXXX, DUE TO UNRECOGNIZED ACTIVITY NOTICED BY US. WE ARE ALSO REQUESTING THE ERROR BE REMOVED FOR THIS JOINT ACCOUNT FROM ALL XXXX CREDIT BUREAUS : XXXX, XXXX, AND XXXX CAUSING A DROP IN CREDIT BY OVER XXXX POINTS. WE PAID THE BILL IN FULL FOR {$170.00} ON XX/XX/XXXX TO FOREGO ANY FURTHER DAMAGES TO THE JOINT ACCOUNT HOLDER 'S CREDIT AND REQUEST A RETURN OF THESE FUNDS. AGAIN, INSTEAD YOUR ORGANIZATION OPTS TO SENDING US ONE BILL AFTER 6 MONTHS SINCE XX/XX/XXXX WITHOUT AN EXPLANATION OR AN ITEMIZED SUMMARY OF THE CHARGES AND NO OTHER WARNINGS OF SPIRALING FEES AND INTEREST SINCE XXXX OF XXXX. In XX/XX/XXXX, my accounts with another banking institution were actually hacked and drained down to almost nothing. Way more severe than this. This organization returned my checking and savings up to full status in a prompt manner without any aggravation and extraneous fees of this kind. WE RECEIVED NO RELIEF FROM YOUR CUSTOMER SERVICE AND BRANCH LOCATION AS PROMISED IN XXXX, OHIO ON XXXX XXXX WHICH HAS NOT BEEN APPRECIATED CAUSING XXXX TIME, UNDUE AND HORRIBLE GRIEF. REMEMBER, WE WERE THE VICTIMS OF YOUR COMPROMISED ACCOUNTS which we caught ourselves, as well as UNPROFESSIONALISM TOWARD A MILITARY family and loyal CUSTOMER SINCE XXXX. | ||||||
| 03/28/2021 | Yes |
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Web | Older American, Servicemember |
| Dear Sir : XXXX XX/XX/2021 About two years ago my sister XXXX established a checking account at the US Bank branch located in XXXX, Missouri for the purpose of managing the financial affairs of an LLC which is co-owned by XXXX, my other sister XXXX, and myself. When XXXX established the checking account she identified me as a co-owner of the account, however since I live in South Carolina, I was unable to be present when the account was established in order to sign the signature card necessary to be able to make electronic transfers in and out of the account. With all of the problems associated with delivering paper checks due to the Covid-19 pandemic, I elected to travel to XXXX last week so as to physically sign the signature card. To my surprise, when I contacted the bank last Thursday, XXXX XX/XX/2021, I was told that my South Carolina drivers license, my military ID card, and my US Passport were insufficient documents to prove my identificationand that I would have to have someone already on the signature card physically present to identify me. So I asked XXXX to meet me at the bank. When I arrived at the bank, I found XXXX being berated by the US Bank manager, a XXXX XXXX XXXX. Apparently what had happened was, XXXX was told that she must complete a survey before XXXX would allow her to add me to the signature card. This survey included many personal questions, such as, How much money did you make last year, and Do you own or rent your home and How long have you lived at your current address and a host of other questions that had absolutely nothing to do with adding an owner to the checking account signature card. When XXXX objected to this invasion of privacy, XXXX arrogantly and condescendingly told her that it was bank policy and that she had to comply. When XXXX asked to see a written document to prove that this invasion of privacy was indeed bank policy, XXXX became openly hostile. ( I arrived at this point. ) It is not possible to describe with the written word the sarcasm and condescension that dripped from her words as XXXX told XXXX that, XXXX was not in charge of US Banks policy documents and that she had no right to see internal US Bank policy documents and further statements that clearly were said to belittle and embarrass XXXX. I was shocked. When XXXX finally stopped her tirade, XXXX explained to me what was going on, and that we were going to have to answer the survey in order to add me to the signature page so I could perform electronic funds transfer from South Carolina. I wanted to simply say, Close the account right now but with the pandemic issues that XXXX is already dealing with, I didnt want to put more pressure on her, so I acquiesced to the survey, although I recognized it as a classic adhesion contract that violated my privacy for no legally cognizable reason. After the survey was completed, the clerk led me through an electronic checklist which kept requiring me to validate the fact that I had read certain documents and that I agreed to be bound their terms. When I asked for a copy of these documents so that I could read them, I was told that they were unavailable, however if I did not certify that I had read them and agreed to their termsI would not be allowed to be added to the accounts signature card. So, this is what I am asking you to do on my behalf. I would like you to investigate US Banks practices and policies, and then order them to cease and desist from any and all illegal activities that invade their customers privacy without sufficient cause. Next, I would like you to order US Bank to provide me with paper copies of all of the documents that they insisted I validate as having been read and agreed tothe bank has my mailing address on file. The electronic checklist the bank uses to add a signatory to a checking account will identify the pertinent documents. Finally, I know it is not within your power to retrain XXXX XXXX XXXX so that she treats US Bank customers with some simile of courtesy and respect, however I intend to forward a copy of this letter to the CEO of US Bank, and perhaps he will have something to say about that issue. I can be reached by email at : XXXX if you have any questions for me. Thank you for your consideration. Very Respectfully, XXXX XXXX XXXX XXXX, XXXX, ( XXXX ), XXXX. | ||||||
| 06/06/2022 | Yes |
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| I previously complained about USBANK not giving me appeal rights about a dispute against XXXX XXXX for services not rendered. They initially blamed the time that it passed ( more than 60 days ) and that because I passed that time limit they could not do anything for me. I exposed to the bank that the vendor had a contract clause that prevented me from complaining before the 60 days. In that clause we both agree ( vendor and I ) to resolve fees issues via arbitration or ADR. I abide to the end of my bargain and I follow the instructions provided on what to do per contract provisions. On the other had, XXXX XXXX from the XXXX XXXX violated her own contract clause and refused to participate in the ADR process after me starting the process with the Louisiana Bar per our own contract clause. per contract clause, we needed to seat down and discuss her charges and allow an arbitrator to come to a conclusion. That process toke several months because it is a legal process and the excuse given to me is that with the pandemic things get longer to be handle. When I filed the complaint against the bank for not giving me my appeal rights and violating my rights, they give me some partial credit and asked me to get a letter from a lawyer stating facts that the services rendered were not of quality or the services were not given. I had talk to a total of 3 lawyers and I am waiting to speak to a lawyer in Louisiana. The lawyers were waiting on USBANK to give instructions on what specifically they were looking in that letter. USBANK is supposed to contact me back and was supposed to contact me back several weeks ago, but that never happened. In addition the California lawyers told me it will be better to get a local lawyer from Louisiana to write the letter since XXXX is from Louisiana. USBANK sent me 2 letters indicating that so far I win 2 of the 5 disputes. The letters were dated on XX/XX/XXXX of XX/XX/XXXX. Those disputes were for small amounts of money and for the same reasons or similar reasons of all of the other 5 disputes. The dispute for {$520.00} dollars that it was supposed to be for {$2800.00} dollars was reversed again without explanation. I still haven't been provided with an explanation to why I win the other 2 disputes, but they are reversing the credit for the one from XXXX with dispute number XXXX. To this day, USBANK haven't clearly provided with appeal rights. I still need a telephone number and an address to complaint with XXXX or the agency that will look into my appeal. I was asking for a simple letter with a telephone number and days to make the appeal. Something that it is easy to understand without all of the fine prints. USBANK is still not able to do that for me. They keep telling me that people will be calling me from the dispute or fraud department to speak to me, but that is not happening. Also, because this process has cost me so much time and money, I am demanding for the bank to request a bigger refund for the 2 disputes I win. I been speaking to lawyers and it seems that is unnecessary because USBANK don't seem to be able to want to assist me and they are denying disputes or revising my money without a clear explanation or appeal rights. Because of the extra money and hassle I had spent on the disputes I am claiming the following : For win dispute XXXX, I am demanding {$730.00} dollars more in addition to the already given credit. For win dispute XXXX, I am disputing {$770.00} dollars more in addition to the already given credit. I earned that money and initially I only claim a small portion of the charges, but given that the process has been so cumbersome for me and all the road blocks, I am demanding the full extent of what I should receive for services that were not rendered or deficient. Again, I want to receive my appeal rights in a simplified form and I want the bank to give me an explanation to why they are denying my appeal rights, why they are not calling me like they are supposed to ( as promised ) and why I win 2 disputes for the same reasons I dispute the 5 amounts, but they are already reversing the credit for one with no explanation. I still working in getting a local lawyer from Louisiana as requested or suggested, but they take time as I needed to speak with 3 others in California that suggested I should get a local one. | ||||||
| 02/03/2023 | Yes |
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Web | Servicemember |
| To whomever this concerns : My general agreement with US Bank in regards to my savings account ending XXXX is ( in part ) included in this demand for my funds to be returned immediately. Note, there is a section called " Adjustments '' and " Applicable Law '' to specifically regard. Please also note : I have made multiple different attempts since XX/XX/XXXX, via phone contact, in person, and in writing to report this particular incident of fraud. Every single time US Bank refuses to provide me with a fraud investigation account number or any proof that they have investigated or fraud. XXXX XXXX of US Bank phone called reporting that indeed US Bank did take the funds from the account as an adjustment {$1000.00} for an unrelated account that they refuse to verify, that was from 2.years prior per US Bank verbal testimony on said telephone call XXXX XXXX ( approximately at XXXX ). On said phone call this day I explained that it is federal law that for an adjustment is allowed 1 day to correct the banks error and without a court issued a judgment against me the other party the bank at no point may remove any funds without my prior authorization. Continuing- On XXXX I went to XXXX XXXX XXXX MN branch office of USBank . XXXX XXXX XXXX assisted me with the collection of information and reporting of fraud directly to US Bank in person. I provided XXXX XXXX XXXX, the US Bank employee on said date with a copy of screenshots of my credit report showing that I have no collections with US Bank or any other creditor. I have no judgments listed on my credit report with USBank or any other. I have no credit cards with USBank or any other listed on that credit report and default for the amount of {$1000.00}. I reported to USBank that on XX/XX/XXXX the amount of {$1000.00} was removed from my account. The withdrawal was listed as an adjustment. The withdrawal was transacted as a demand of deposit account to the other party making demand of deposit. The identifier of the transaction is number XXXX. The bank employee, XXXX XXXX XXXX, did not tell me whom the money was given to or why the money was removed, only that it was listed as an adjustment on XXXX and for the amount. The bank employee did comment on the investigation, at that moment, when I was present, that I allegedly showed a charge off for my account. XXXX explained the alleged charge off was from XXXX. I reminded your bank representative that identited themself as XXXX XXXX XXXX, before any bank can make it withdrawal they must have a court ordered judgment. There is no court ordered a judgment to make an adjustment for a charged off account with USBank. No other person is allowed access to my account such as spouse, or child, or otherwise authorized. An institution, i.e. US Bank, that determines an adjustment is determined to required due to an error occurring, it must correct the error within one business day and report the results to the consumer within three business days, subject to the liability provisions of 1005.6 ( a ) and ( b ). This particular law that I have cited by its number is federal and collates to my agreement in which an adjustment can be made without notice. However, the adjustment must be done within one day of an error occurring. An adjustment 2 years later is not within the law for an adjustment to occur- therein, this points to fraud, a theft. On XXXX XXXX XXXXXXXX XXXX testified clearly that she was not from the fraud department she was the branch manager for that particular location and that she found no reason why she will give me the money back even though she invited violated Federal banking law. Furthermore, USBank sold the alleged {$1000.00} debt to XXXX XXXX XXXX XXXX prior to the XXXX USBank adjustment and tax benefits of write-off which disallows them from collection since it is first no longer their debt and secondarily a debt that is settled with any originating account. XXXX XXXX # XXXX. In the instance that this particular collection agency removed the funds on behalf of US Bank as a vendor or an agent it was illegal also because there is no judgment issued by the court against me the other party. This particular transaction that is listed as an adjustment from US Bank and any other entities that remove the money from my account have broken multiple different laws. | ||||||
| 01/12/2021 | Yes |
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| In XX/XX/XXXX, I received notice from U.S. Bank that I was approved for a mortgage re-modification. My first payment was due on or about XX/XX/XXXX ; however, the COVID 19 pandemic, which occurred that same month, shuttered all businesses in the District of Columbia and forced me out of work. I spoke with a bank representative who told me that the bank would extend a courtesy and allow me to make that first payment the following month XXXX XX/XX/XXXX ). Prior to making that payment, I received notice from U.S. Bank dated XX/XX/XXXX informing me that the re-modification was cancelled due to non-payment. I explained the details of the XXXX call, but it was to no avail. At some point thereafter, I completed the application for a forbearance plan and on XX/XX/XXXX, I was approved for a 3-month forbearance, which covered XXXX, XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a notice dated XX/XX/XXXX confirming my request to enter into the CARES Act forbearance plan. This same notice stated that my forbearance plan was active from XXXX - XX/XX/XXXX. On XX/XX/XXXX, I received another notice from U.S. Bank informing me that You are already on an active forbearance plan as a result of COVID-19, and there is no additional action needed at this time. During the month of XXXX, I received numerous notices advising me that the COVID-19 forbearance under the CARES Act was scheduled to end on XX/XX/XXXX ; however, I had the option of extending it for another 180 days. I decided to exercise that option and called U.S. Bank on XX/XX/XXXX at XXXX EST to extend the CARES Act forbearance. I was told that it had been extended ; however, I continued to receive notices from U.S. Bank warning me that the forbearance was scheduled to end on XX/XX/XXXX. Shortly thereafter, I again called again U.S. Bank to inquire about the forbearance extension and was again told that it had been approved and I would receive notification in the mail. I called again on XX/XX/XXXX and XX/XX/XXXX only to be told that there was now an issue with my account and they were having an issue extending the forbearance. I was repeatedly told that there was an issue on their end, but that issue would not interfere with the processing of my forbearance extension. The forbearance was not extended. In XXXX, I received a notice dated XX/XX/XXXX, informing me that We have attempted to reach you to let you know the status of the payment suspension and that action is required on the account. At this time, your forbearance plan has expired, and the mortgage is in default. In addition, late fee assessment on the account may resume and we may begin reporting any contractual delinquency status of the account to the credit reporting agencies. The CARES Act forbearance STILL has not been approved despite repeated attempts and requests to do so. I called yet again on XX/XX/XXXX ( after receiving the above referenced notice ) and was on the line with a representative for more than 20 minutes and was told about the very same issue they were having with extending the CARES Act forbearance. I was told that the issue had been escalated and there was no reason for me to continue following up as they would automatically process the extension, but that did not happen. I again called U.S. Bank on XX/XX/XXXX only to find out that I still have not been approved for the COVID-19 CARES Act forbearance, which lawfully entitles me to an additional 180 -day forbearance. U.S. Bank is willfully refusing to apply the CARES Act forbearance to my account and is threatening me with legal action as well as reporting negative and untruthful accusations on my credit report. I am at a lost here. Ive done all of the things that were required of me to receive the benefits I am entitled to under the CARES Act, but U.S. Bank refuses to concede that I am entitled to those benefits. As such, I am in real and immediate danger of losing my home during a global pandemic all the while trying to cope with a very recent XXXX XXXX diagnosis. I am afraid and I am alone with no tools or resources to fight U.S. Bank for the benefits I am entitled to under the CARES Act. As such, I am requesting that your office intervene in some meaningful way and force U.S. Bank to extend the CARES Act forbearance for the statutory term. | ||||||
| 05/11/2020 | Yes |
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| us bank in XXXX colorado has stolen {$17000.00} from my checking and savings accts,. i have been alerted by the fraud dept of this financial institution 5 or 6n times and had my debit card and pin compromised 5 times. i have submitted 2 in person and in writing fraud claims and dispiuted transaction dating back to XX/XX/2019, they refuse to stop taking money from my acct and have taken or allowed UNAUTHORIZED transaction via online and ATM withdraws in obscene amounts to CONTINUOUSLY go through and take funds from my acct totaling over {$17000.00} and continue to ignore my pleas to recover the money. i call every week since XXXX and they give me the run around or never give me more than {$500.00} or {$100.00} at a time, only twice and everything is ALWAYS still being processed or will be credited once they complete the investigation, always to lead ton a future provisional credit on a future date. While this back n forth goes on I now have {$9.00} in my checking account, i am about to get an eviction notice and i am behind on every bill i have because a personal banker, XXXX XXXX decidedn to wait overb6 weeks to submit my original fraud claim and then submitted transaction i authorized this resulted in myself being 2 pmts behind on a truck laon and getting then truck threatened with reposession as well as my childs XXXX Pmts being denied when they are authorized and were never disputed, I am a single mother of XXXX school age children and now I am facing eviction because U.S. bank can not submit a fraud claim in which they originally alerted me about a company in XXXX taking money from my acct and asking if it was authorized, since thay day my checking acct has had over {$17000.00} allowed to be taken via online transactions and banking fees and ATM unauthorized withdraws and still can not seem to stop allowing over 25 companies, including this financial institution to have access to my accts and remove funds. i have filed every report possible from irs to ftc i have contacted us banks corp office and no one seems to be capable of crediting my checking acct but this bank CONTINUES to allow money to be withdrawn and debit card transactions to go through after i begged them to freedze my accts. XXXX XXXX at XXXX colorado us bnank local branch spent over 2 hrs with me in tears going over each and every unauthorized fraudulent tranaction on my chk acct only to submit my claim over 6weeks later. He has all my disputed transactions in writing because i had them listed and he took copies and still DID NOT SUBMIT MY CLAIM, why? i am not sure, but i have no money and XXXX kids and he hs submitted authorized charges to be credited and now I am down to {$9.00}, seriously this is illegal and us bank is stealing from me and have taking all of {$17000.00} its horrible to see the corona epidemic and everyone is sick and out of work and this financial institution thinks they can take advantage of single women just bc she is single and has XXXX kids. i deservre to be trrated liken a first class citizen no matter my marital status or the amount of kids i have. this financial institution is the absolute worst when it comes to details or customer service and actually taking care of an issue or following the law is absolutely the worst lowlife on this planet. I am a victim of identity theft and I an being treated as a criminal for even questioning why one day i get a call from us bank and then the next day there is like {$3000.00} or {$500.00}, {$1000.00} as well as my irs tax documents being filed by someone else and my kids and I have not seen one stimulus payment I have went from having thousands in the acct to not even {$10.00}, i cant renew my insurance or my XXXX without a debit card, they do not care if i lose my apartment or if my kids get to have a glass of milk or now being told they need to watch out not eat or drink too much because Mommy can not afford to buy anymore and that we are going to lose our home and be on the street. No one will help us. Could you please look over the report status of my claim. I am in fear of the future and feel like the US bank is the theif and I am suffering trying to keep a roof over myself and my children all while covid 19n stay at home order ia effect. please send help sos response and warn others. | ||||||
| 03/11/2023 | Yes |
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| I opened up a us bank checking account some few months ago. As I was a nearly 10 year old credit card holder and in good standing with us bank I didnt think twice about doing so. I opened the account, funded the account with funds I transferred into the us bank account from my XXXX XXXX bank account. The funds were deposited and made available to me shortly after. It was around this time that us bank and its financial or authentication department questioned my accounts validity and the identification of the account holder, placing a hold on both my checking account and the credit card I had with them. I use the word had with them as they cancelled and closed my long standing and in good status credit card account without due process and without regard to my long time good credit relationship with the bank. As a result causing and still having adverse effects on my credit report for a considered old account to the credit bureaus being closed and by the banks doing caused very negative consequences on ones report and will for a long time! This is absolutely unacceptable! I must have called in and attempted to clear this bank inquiry up several times, no less then 7 or 8 times. Every time I was met by a representative who know no more then the first day I called to resolve problem. Even a bank supervisor XXXX who assured me everything was cleared on their end that she was able while she had me on hold for 35 min, she came back on the phone to say all has been cleared.I asked XXXX, what did I do to cause this, I dont want this to happen again and she couldnt say specifically what i did but that all has been rectified. I hung up, no more then an hour later on that same day I try to use the cc and it was declined with a red box that said this cc has been closed! That was over 30 days ago, you can imagine my anxiety and dismay I experienced after that. It has gotten me no where, everything they demand, i produce, including going into their us bank branch to furnish identification. I did so, with my U.S. passport, my U.S. drivers license, a lease of where I recently moved to, and nothing! Their department too busy or uninterested with assisting their own bank representative here in XXXX California who took my information in the bank and forwarded it to them, and who promised he would get it taken care of. And several days later, nothing. This is unacceptable as I said already, but at this point Unlawful holding of a customers funds in their care. I AM FED UP WITH THIS TREATMENT AND AM READY TO TAKE TO TASK By any means I have to US BANK AND NO DOUBT, it will be your less then urgent approach your organization and its partners will do in relation to this matter that I will also seek legal counsel on! I can not believe that the bank has this kind of overreach in the absolute and lawless ability to hold a persons rights to their on funds at the banks whim for as long as they wish without repercussions! Its no wonder why decentralized means, crypto currencies etc, are very real alternatives for ones financial needs being a real possibility in the near future is because of these very unorthodox liberties these bank institutions think they can get away with without responsibility or accountability. Im reporting this very incident to other very interested parties in this space as this and many other discrepancies caused or implemented by the Us financial institutions monopolies have gone too far, for far too long and the citizens are, like myself, are so fed up with it! I can not believe that the bank has this kind of overreach in the absolute and lawless ability to hold a persons rights to their on funds at the banks whim for as long as they wish without repercussions! Its no wonder why decentralized means, crypto currencies etc, are very real alternatives for ones financial needs being a real possibility in the near future is because of these very unorthodox liberties these bank institutions think they can get away with without responsibility or accountability. Im reporting this very incident to other very interested parties in this space as this and many other discrepancies caused or implemented by the Us financial institutions monopolies have gone too far, for far too long and the citizens are, like myself, are so fed up with it! | ||||||
| 05/21/2018 | Yes |
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| Abuse of Power and Bullying by USBANK My name is XXXX XXXX, a XXXX XXXX XXXX at the XXXX XXXX XXXX. I have been a faithful customer to USBANK for years. Now, however, I am only staying with this institution because of debt owed USBANK. Indeed, I have the following loan and credit cards with USBANK : - Loan - XXXX ( due balance of {$10000.00} ) - XXXX XXXX XXXX XXXX ( due balance of {$2700.00} ) - XXXX XXXX ... XXXX ( due balance of {$920.00} ) - Credit card ( paid off and closed by credit grantor on XX/XX/2018 ) Credit Card Sent to Collection and Marked charged off on Credit Report Even though, I had already discussed with USBANK one of my credit card and paid it off, as agreed on our arrangement, the account got charged off and sent to collection. Our agreement, however, was that I would have to pay less than the full amount of the due balance within 90 days ( 3 months ) to avoid the account getting charged off. I paid it off within a few weeks. Yet, my account got charged off and reflected poorly on my credit score. US Bank contributed so much in ruining my credit score and broadcasting a poor image of myself as a delinquent, when, in fact, I have been doing my best to responsibly manage my credit and pay my credit card balance owed USBANK. Constant Harassment from Collectors and USBANK I receive a dozen phone calls from USBANK every day regarding my Loan XXXX ( due balance of {$10000.00} ), even though I have been making payments the best of my financial ability. I have called USBANK on many occasions to explain that I have been experiencing financial difficulty and in need for a break. USBANK does NOT carethey have told me that I must make those payments, or they will keep reporting all missed payments to credit bureaus and further destroy my credit. They have not at tried to understand my situation an offer a solution that fits my specific needs for lower payments that I CAN afford. The callers and bakers at USBANK have been like robots who are so insensitive to their customers struggle. That is the reason most customers doubt that USBANK could be the most ethical company. Asking for Leniency through Reasonable Payment Option As a responsible customer, who would like to honor my loan, I have done all in my power to avoid harassing, daily phone callsthat only serve the purpose of causing more unnecessary stressand find an agreement to change my due minimum payment from {$880.00} to its original {$200.00} or even {$250.00}. It does not cost USBANK anything to do so. Clearly, USBANK would not go bankrupt for helping an innocent customer afford monthly payments for his loan. However, there has not been the slightest willingness from USBANK to help me clear the accumulated, missed payments and lower the monthly payment to what I can afford. I have provided clear details that my financial difficulty is due to the fact that : - My wife has not been working - Family health issues ( I must support my family before anything else ) - Increased cost of rent Determination to Honor my Loan as a Responsible and Ethical Person These hardship factors, mentioned above, have had negative effects on my ability to pay my credit cards off or simply honor the minimum, monthly payments. For instance, the minimum payment for my USBANK loan has gone from {$310.00} to {$1200.00}, even though I have never stopped making payments. It is now at {$880.00} XXXX still extremely high ). I am again asking USBANK to lower my monthly payment to {$200.00} or even {$250.00} to allow me to honor the monthly payments and rebuild my credit that has been getting ruined every day. Being the most ethical banking institution, USBANK should not keep punishing innocent customers for experiencing financial hardship. Doing so is neither right nor ethical. By supporting me in this difficult time, USBANK would allow me to better commit to regular, monthly payments to the loan off and rebuild my credit. This request is not only a reasonable plea, it is a responsible attitude on my part in order to refuse coming across as delinquent and continue to commit to honoring my loan the best way my finances allow. XXXX XXXX XXXX XXXX XXXX XXXX| XXXX XXXX XXXX XXXX XXXX| XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX p : XXXX XXXX : XXXX *Correspondence sent to USBANK* | ||||||
| 10/04/2018 | Yes |
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| XX/XX/2018 Step 1 : What is this complaint about? My personal identity being exposed and violated by U.S. Bank. Step 2 : What type of problem are you having? U.S. Bank breached my personal banking activity, name and personal cell phone number. Step 3 : What happened? U.S. Bank holds all of my funds in two checking accounts and one savings account. Since my SS # was stolen, my financial identity held private by 3 credit agencies and my incident on file with the FTC. In the process of securing as best as possible my identity, I reported my SS # theft to U.S. Bank, I was told not to worry leaving me feeling I could trust them with all of my money, after all they were my bank. On XX/XX/2018 I went to my U.S. Bank branch at XXXX XXXX XXXX XXXX, XXXX CA XXXX. I had a {$120.00} check from a family member that I wanted to cash, not to deposit. I sat with the branch manager, XXXX to process my transaction. As normal he asked for my ID which was my CA drivers license. Then he proceeded to give me the {$120.00} cash in bills. I did not deposit the check. The check never entered or exited any of my three accounts I hold with U.S. Bank, all that took place was currency was handed to me. Tuesday XX/XX/2018 I received a call on my personal XXXX number from ( XXXX ) XXXX at XXXX XXXX from a man who greeted me by my first name as though he knew me, claiming he was from XXXX XXXX U.S. Bank wanting me to share how my banking experience in the U.S. bank lobby on that Monday ( XX/XX/2018. ) I immediately I freaked out and stated I did not know who he was and hung up. Then on Wednesday XX/XX/2018, I received another call on my personal XXXX number, also from ( XXXX ) XXXX at XXXX XXXX from a woman ( who also greeting me by my name like she knew me ) who also stated she was from XXXX XXXX U.S. Bank and wanted to know how my banking experience was that Monday at the branch. With this call I freaked out, I demanded to know who she was, how she got my personal phone number and when I had been in the U.S. bank XXXX XXXX branch. She claimed that U.S. Bank had hired XXXX XXXX 8 years ago and it was in their agreement they could contact customers to see how their banking experience was! A horrific breach and violation of my private identity U.S. Bank. On the same day ( XX/XX/2018 ) I immediately called my U.S. branch at ( XXXX ) XXXX to speak with XXXX to express my concern about my identity being violated and to obtain a U.S. Bank corporate security phone number. He wasnt in, his assistant manager XXXX argued with me about what took place and would NOT give me a corporate phone number. All she did was provide a U.S. Bank District manager XXXX at phone number ( XXXX ) XXXX. She didnt answer and I left a voicemail. On XX/XX/2018 I received a phone call from XXXX XXXX ( XXXX XXXX XXXX calling on behalf of her boss, XXXX. Once again I was not given a corporate phone number, and she as well argued with me about the XXXX XXXX calling me about my in branch experience as being normal. This complaint is to express that U.S. Bank has breached my personal identity, exposed that I was physically in the bank branch on XX/XX/2018 cashing a personal check, to also expose my transaction date, physical branch location and to my horror to expose my identity by giving out my name and unlisted cell phone number ( to anyone! ) U.S Bank has left me I feeling spied on, stalked, my identity violated, and my personal and financial safety at risk. Im sick. Was it U.S. Bank that perhaps breached and exposed my SS #, is that is how it was stolen in the first place? U.S. Bank should be investigated to the highest level of security breaching for their violation of sharing my consumer identity and privacy unless demanded by U.S. government law agencies as an example. Step 4 : What company is this complaint about? U.S. Bank Step 5 : Who are the people involved? Local branch manager XXXX who cashed my check and obviously started the breach of my physical visit to the branch. The two unknown XXXX XXXX individuals, his assistant XXXX who argued with me. U.S. Bank district manager XXXX who did not call me back. Her assistant XXXX XXXX who would not provide a corporate phone number and also argued with me. All phone numbers for these individuals are listed above. | ||||||
| 03/07/2020 | Yes |
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Web | Older American |
| My husband and I are attempting to obtain a loan modification. Each time we have applied we receive a loan modification package in the mail, complete it with all requested information, but are denied. In this package we are asked for copies of all of our monthly bills, our income pay stubs, our 401-k statements and copies of our bank statements. We are very confused about how our information is used, why we have to jump through these same hoops each time just to be denied because the only information the are using is our income and the amount of our house payment to determine our DTI. These is no consideration that we have taxes or medical insurance deducted from our paychecks e each month. There is no consideration that we also have light bill and water bill that has to be paid or we would not have a home to live in. There is no consideration that we have groceries to buy to just survive. There is no consideration in the fact that we have medication to purchase each 90 days. I find this very hard to understand! The information being used is not a true representation of what it takes to live in a home ... .anywhere. I believe this is just another way lending institutions can lead people down a path to ruin. The information is not a total picture of the truth. They want to see the truth in examples of bank statements, pay checks and copies of our expenses, but because they are a lending company they choose not to use the true picture. Only what will satisfy what they want to see. Only what will either leave us without a home and of course leaving the mortgage company with income, earnings and all the equity we have built in the property. I believe my husband and I are in a catch 22 here. The mortgage company will never assist because they feel as though they don't have to. They will continue to operate in this manner because it earns them income, a house to resell and even though my husband and I have worked hard to obtain the equity, they will also have earned a profit from the resale of our home. I do understand that our Federal Government has set rules and regulations for all lenders, but every lender also has someone that can look at this situation and see that it is a very one sided problem. I understand that my husband and I need to pay our mortgage, but the Federal Government and the Mortgare company also needs to understand that it takes more to keep a home than an income. What is happening right now between myself, husband and the mortgage company is a game to see who wins our home. I have asked what LAW states that a modification has to follow these guidelines but I was not given an answer. I believe the servicer of our loan has the ability to step in and review our loan, our income and our debt and realize that what is being used is not a true picture of our reality. If the true picture is not being used, then the decision being made is based on untrue information. At this point I am at a loss as to how to move forward. We are in our XXXX. We have been in this home for several years. If we lose this home we will not be able to purchase another. We have filed bankruptcy and have requested that the past due and fees be added to our bankruptcy, but we will be in the same mess with our mortgage unless we are given assistance with a modification. We have asked if our mortgage could be extended to 30 years with the current balance and we were told we did not qualify. We requested that our interest rate be lowered and we were told we did not qualify. I find it amazing that although we are not qualified we keep receiving payment plans to bring our mortgage current that are 2x what our current payment is. If the mortgage company believes we can afford a payment such as that, ( which we can not ) then why can we not qualify to have our mortgage spread out for 30 years or our interest rate dropped. This is a slap in the face. This allows the mortgage company to add additional fees and penalties to what is already owed. There are $ XXXX of dollars in fees so the mortgage company will have additional income from us in the end but we still don't qualify for a modification. I would like to have a human response to this. Not the same form letter that we get each time we request a notification. | ||||||
| 01/20/2022 | Yes |
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| We were approved for a COVID forbearance program with US Bank on XX/XX/XXXX to suspend our mortgage payments due to a financial hardship caused by the global pandemic. Our forbearance program ended on XX/XX/XXXX and my wife and I called many times during the weeks leading up to the program coming to an end to inform the bank that our financial hardship had been resolved and we desired to restart making monthly mortgage payments. We were told many times by US Bank representatives and relationship managers that it was a simple process to come off of forbearance and all we had to do was call to notify the bank verbally that our hardship was resolved and were ready to resume making our monthly payments towards our mortgage loan. That has certainly not been the case for us. We have been diligently trying to resume making our previous monthly mortgage payments to come out of forbearance. We made our first payment via the US Bank online portal on XX/XX/XXXX and another on XX/XX/XXXX. After numerous calls to various representatives at US Bank we were told multiple times not to make any additional payments as our loan was under review with the loss mitigation department and a decision needed to be made on a repayment plan and the two payments we made in XXXX and XX/XX/XXXX have been sitting in an escrow account during the banks internal underwriting process and have not been applied to our mortgage loan balance. We have spent over 3 months submitting various forms of personal and financial documentation ( credit checks, tax returns, pay stubs, etc. ), which has been more invasive and complicated to navigate than an audit by the IRS in order for US Bank to determine how our forbearance balance would be applied to our mortgage and what repayment plan options would be made available to us. We were told verbally on several occasions by US Bank relationship managers that our repayment options at the end of the banks underwriting process would include the following for us to decide to accept : 1. the past due forbearance balance would be applied evenly to the remaining monthly payments. 2. the loan term would be extended to cover the forbearance balance. Instead, we received a letter yesterday ( XX/XX/XXXX ) from US Bank with the only option for a repayment plan agreeing to repay past due amounts on the mortgage by making additional monthly payments along with the regular monthly mortgage payments. The bank is now demanding that all accrued forbearance payments over the past 18 or so months ( $ XXXX ) must be paid back in full over the next 14 months, which results in a monthly payment 2.5x more than our original mortgage monthly payment amount from {$4600.00} to {$11000.00}. We can not afford this absurd repayment option to almost triple our mortgage payment, which is in complete conflict with US Banks claim on its website that our top priority is to keep you in your home with affordable monthly payments. The banks only options are for us to accept this ridiculous repayment plan or file an appeal by XX/XX/XXXX or they will proceed with foreclosing on our home. The bank has given us 2 days ( until XX/XX/XXXX ) to agree to this repayment plan and send in the first payment of {$11000.00} by XX/XX/XXXX or to reject the repayment plan, which would result in the bank starting foreclosure proceedings. We also just found out today XX/XX/XXXX that US Bank reported my wife and I to credit agencies that we were delinquent on our mortgage payments, which will negatively impact our credit and affect our ability to borrow or refinance our mortgage etc. US bank told us it would not report us to credit agencies until a decision was made on our repayment plan and we have had time to accept or reject their offer, which by the bank 's own letter is tomorrow XX/XX/XXXX. I believe the bank 's reporting to credit agencies during our forbearance program and before a decision on a repayment plan has been agreed to is in violation of the CARES Act. The process to come off of forbearance has been a complete nightmare and my wife and I believe that we were misled by US Bank about the entire forbearance process, which seems predatory to us and should warrant an investigation by your agency into the banks deceptive mortgage practices and scams. | ||||||
| 11/12/2020 | Yes |
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| On Sunday XX/XX/2020 at XXXX I went to the atm at US bank on XXXX XXXX XXXX, XXXX , OH 4XXXX.I had never been to that location before. I entered my US bank Atm card and selected deposit, cash and deposited {$1600.00}. It all was accepted. The machine asked me if I wanted to make another deposit. I selected yes, cash & deposited the rest of the cash I had. Which was {$600.00}. The atm machine spit out {$100.00}. But accepted the rest which was {$500.00}. The atm ddnt ask me if I wanted to make another deposit. It asked me if I needed to make another transaction. I selected yes. I entered in my pin number again. Selected deposit, cash then deposited the {$100.00}. It was accepted. I never get receipts for my atm transactions, including this time. I checked my account through my mobile app & noticed {$500.00} wasn't there. I called US bank customer service. The representative told me sometimes the machine needs to work its self out over night, & to wait until the morning & see if the {$500.00} shows up. Monday morning XX/XX/XXXX, the deposit still ddnt show up. I called US bank customer service again, they told me I would have to do a dispute. So I called the branch. The branch manager XXXX was rude. He rushed me off the phone, told me to put in a dispute. Told me not to tell them exactly what happened only tell them I deposited {$500.00} & it isn't accounted for. I asked to schedule an appt to come into the branch to speak to someone. He told me there was no need & wouldn't allow me to schedule an appt. I called US bank customer service back again, opened a dispute that was on the same day Mon XX/XX/XXXX. Explained everything above mentioned including the rude branch manager. The representative explained the bank offers a ten day provisional credit. It may take up to 40 days to resolve the investigation. That it doesn't have to take that long, but could. On XX/XX/XXXX I called to check the status I was told the dispute was closed on XX/XX/XXXX that I hadn't received an explanation because it was just sent out fri XX/XX/XXXX. Come to find out the dispute was typed up incorrectly. Not how I explained it. On XX/XX/XXXX they reopened the dispute, where I was told my ten days for a provisional credit started over. I kept calling through out this time. I was basically told I needed to wait, that there was no one I could speak with & the dispute department doesn't speak to the public. On XX/XX/XXXX I called & asked about the ten day provisional credit. They told me because of the holiday I needed to wait until XX/XX/XXXX. But my dispute was still open & being worked on. On XX/XX/XXXX I called & was told it was closed on the XXXX with no explanation as to why. The representative claimed she sent a message to the dispute dept to find out the results & was supposed to call me back, she never did. Then a manager was supposed to call me back they never did. I received two letters from US bank one dated XX/XX/XXXX that I ddnt receive until XX/XX/XXXX. In the letter it stated I made the deposit XX/XX/XXXX. Which isn't true.. The 2nd letter was dated on XX/XX/XXXX stating what was done in the 1st dispute, they sent me a statement of the {$100.00} deposit. Nothing about the {$1600.00} or my missing {$500.00}. I don't know how many times I've called & got no where. I don't understand why this is so hard to figure out or settle. I asked them to check the cameras, check the machine, check the electronic records. It should be noted & shown up somewhere. I made a {$1600.00} cash deposit, it was accepted. I selected another deposit, cash then inserted {$600.00} in the machine. The machine spit out only {$100.00}. But kept the {$500.00}. I then deposited the last {$100.00} in a separate transaction. I made 3 different deposits. But That 2nd deposit of {$500.00} isn't showing up anywhere. & they are not explaining what happened to it. I have included both letters which is the only documentation US bank has sent me. I have even tried to call them to try to get this resolved but it was the same results, a dead end. I waited for more correspondence but realized US bank doesn't care. They couldn't even send me the results of the last dispute they investigated. I havent received anything about it being closed XX/XX/XXXX yet. | ||||||
| 01/06/2022 | Yes |
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Web | Servicemember |
| On the evening of XX/XX/XXXX, i checked my account, and my account had both a positive posted account balance, and a positive available balance. And this balance reflected all current pending charges. At approximately XXXX on XX/XX/XXXX, i checked my account, and saw that a deposit i was expecting in the amount of {$520.00} had appeared on my account, and my available balance was now higher, including this deposit amount. As a result, i submitted a transaction to transfer {$400.00} to my XXXX XXXX account. I then went to bed, and when i woke up i checked my account again, and saw all of these overdraft charges. These overdraft charges all resulted from a hold being placed in the amount of {$490.00}. This hold amount included the {$400.00} transaction i had just made, as well as several small transactions that had already previously appeared in the available balance. As you can see in the image below, it shows in red the new available balance after each of the transactions that resulted in overdraft charges. After the last one, the available balance reached the amount of negative - {$380.00}. This clearly shows that had i not submitted the {$400.00} transaction on the morning of XX/XX/XXXX, none of those transactions would have been negative. Please look at the posted accounted balance in the image below at the end of XX/XX/XXXX. After all transactions posted on XX/XX/XXXX, i still had a POSITIVE posted balance of {$110.00}. The only thing that would lower my available balance from this posted balance would be pending transactions. As you can see in the images, the only other transactions that were even in process at the time posted on XX/XX/XXXX. Those transactions, aside from the {$400.00} in question, were : {$7.00}, {$28.00}, {$16.00}, and {$50.00} ( not including the overdraft fees, of course ). Those transactions all combined total {$100.00}. So even if every one of those four transactions was pending on XX/XX/XXXX and lowering my available balance, they would not have been sufficient to make my available balance negative. This proves that if the {$400.00} transaction had not occurred, it is impossible for my available balance to have gone negative. There were absolutely no other transactions pending at the time to affect the available balance. My complaint is simply that had US Banks mobile application not showed that deposit, and not included that deposit amount in my available balance, i absolutely would not have initiated that {$400.00} transaction transferring money out of my account. I emailed one of the bank employees with whom i had previously conversed, and then headed to the branch to discuss the issue. On arrival, this bank employee said she had already called their back end support line and discussed the issue. They said the problem was that I initiated the {$400.00} transaction a few hours too early. That although it showed the deposit funds being available at XXXX, they were not actually available until XXXX. So as soon as I initiated the {$400.00} transaction, it lowered my available balance into negative. Should a bank consumer not be able to rely on that banks software showing a deposit has having occurred, and showing the funds as available. How can I, or anyone else, do business if we can not rely on what it is showing us. US Bank seems to not want to acknowledge that their software has an issue that between XXXX and XXXX ( i assume the difference between my time zone and eastern time zone ), their system has a problem accurately reflecting posted and available balances. And a whole separate issue is that my posted balance at close of XX/XX/XXXX was positive. Yet i had four overdraft charges that resulted from a transaction that didnt even occur until XX/XX/XXXX. So even if US Bank didnt want to accept responsibility for their software erroneously showing a deposits funds as being available, there should have been one overdraft for not having sufficient funds to cover that {$400.00} transaction on XX/XX/XXXX. Not four overdraft charges for transactions that posted one day prior. I spoke with the branch manager, who was completely unwilling to help resolve the situation. I likewise spoke by phone with a support representative, who also was unwilling to do anything to help. | ||||||
| 11/23/2021 | Yes |
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| XX/XX/XXXX Per online banking : an unauthorized Pending SST {$3600.00}. I went to the bank, XXXX XXXX XXXX, XXXX, CA XXXX, told the banker, XXXX ( XXXX XXXX, that this transaction was not ours, it was not authorized and needed to be returned or stopped asap XXXX told me that since it was in Pending status, she could not do anything for me until it processed through. XXXX asked me to come back next day. ( See bank report attached, printed by XXXX ) XXXX, {$3600.00}, XXXX # XXXX XX/XX/XXXX I went back to the same branch and talked to XXXX. Now that this transaction had processed through our account, she said that there was nothing she could do for us, we would have to contact the Fraud Department ourselves, ( XXXX ) XXXX. It was too late for her to do anything for us, since the transaction had completed. I called ( XXXX ) XXXX, spoke to XXXX, explained the situation and was issued a Claim # XXXX, and was told that we would get our money back within XXXX to XXXX days. XX/XX/XXXX Another unauthorized transaction SST for {$4700.00} was in Pending status in our account, so I called the Fraud Dept ( XXXX ) XXXX immediately and talked with XXXX the first call and XXXX on the second follow up call on the same date. XXXX helped me placing a STOP on this pending transaction and stated that it would be returned to requestor. XXXX also advised to placed a HOLD on our checking account until all cleared. I told XXXX that I thought perhaps XXXX should have placed a HOLD already on XX/XX/XXXX, but she stated that it was not done. XXXX, {$4700.00}, Trace # XXXX XX/XX/XXXX I verified with XXXX that Claim # XXXX is still active and they were still investigating it. She said it would take a week or so, I should let it go through its process. However, I should try to contact the requestors bank directly myself as well. She gave me the following information : Citizen Bank, XXXX XXXX XXXX ( XXXX ) XXXX, Option # XXXX & the # XXXX. I called Citizen Bank and was given the following information, to again, investigate myself : Merchant ID XXXX XXXX XXXX XXXXXXXX : XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA ( XXXX ) XXXX, XXXX, ( XXXX ) XXXX I called all the numbers and found no one and nothing. I left a voicemail with XXXX, no responseXXXX XXXX XXXX : ( XXXX ) XXXX, no way to reach anyone or leave a message. XX/XX/XXXX I received a Claim for XXXX XXXX XXXX XXXX XXXX, Claim # XXXX, letter was dated XX/XX/XXXX. ( XXXX attached ) I mailed the form same date, XX/XX/XXXX as instructed. XX/XX/XXXX I called back to the XXXX XXXX ( XXXX ) XXXX and was told to call back again in a few days. The Claim # XXXX is still open and active. I was told by XXXX ( not sure if shes the same XXXX Ive spoken with on XX/XX/XXXX ) that the system showed my claim form had been received. She asked me to call back on XX/XX/XXXX. XX/XX/XXXX I called back to the XXXX XXXX ( XXXX ) XXXX, spoken with XXXX and was told that US Bank could not help me to get our money back. I asked to speak to a XXXX and was directed to XXXX, # XXXX, that US Bank could not help us because it was an electronic funds transfer ; therefore, per the Federal law, US Bank was not responsible to help its customers in these types of claims. She said that my best bet would be to go back to the branch XXXX and the XXXX would be able to help. XX/XX/XXXX I went to see XXXX XXXX, Branch XXXX at XXXX XXXX XXXX, XXXX, CA XXXX, XXXX # XXXX, was told that she would try to help. I gave her a copy of the backup docs and was told that she would call me back. XXXX XXXX called me back the same afternoon on XXXX and told me that she was advised this claim was still open, just be patient and wait XXXX weeks for it to go through all the proper channels. XX/XX/XXXX I went back to see XXXX XXXX, who then told me that her assistant, XXXX XXXX would get on the phone and get a status update. I waited in the branch for XXXX hours, while XXXX XXXX and XXXX XXXX both got on the phone with the back-office and then told me that US Bank could not help me with this matter. This Claim is now closed. The conclusion was that our checking account was compromised, and I did everything right. I went to the branch immediately, and then followed instructions by the bank. All had failed me. | ||||||
| 07/14/2023 | Yes |
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| Dear Representative of the Customer Financial Protection Bureau ( CFPB ), I hope this email finds you in good health. I am writing to formally lodge a complaint against U.S. Bank concerning their inability to deliver the promotional bonus promised during their XX/XX/2023 promotion. Despite fulfilling all the specified requirements mentioned in the promotional email, I have yet to receive the $ XXXX bonus as advertised by U.S. Bank . To provide you with a comprehensive overview of the situation, I have attached the necessary documents for your reference. Attachment 1 contains a screenshot of the promotion information. The promotional offer explicitly stated the following : To earn up to {$600.00}, open a Bank Smartly Checking account online, in a branch, or over the phone with an opening deposit of {$25.00}. Then, complete the following activities within 90 days : Enroll in the U.S. Bank Mobile App or online banking. Complete two or more direct deposits. I opened the account on XX/XX/XXXX and successfully enrolled in the U.S. Bank Mobile App, as evidenced by Attachment 2, which is the email confirmation I received from the bank. Furthermore, Attachment 3 contains the account statement issued on XX/XX/2023. As you can see, I made direct deposits of {$5300.00} on XX/XX/XXXX and {$5600.00} on XX/XX/XXXX from my paychecks issued by my employee- XXXX XXXX XXXX. The total direct deposit amounts to {$10000.00} USD, meeting the criteria set forth by U.S. Bank : " You must also complete two or more direct deposits within 90 days of opening your account that total : {$3000.00} to {$5900.00} to earn the {$200.00} bonus, {$6000.00} to {$9900.00} to earn the {$400.00} bonus, or {$10000.00} or more to earn the {$600.00} bonus. '' " The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App, as long as your account is open and has a positive balance. '' According to the terms, I should receive the {$600.00} bonus no later than XX/XX/XXXX. Throughout this period, I have made several calls to U.S. Bank in an attempt to resolve this matter. However, I have not received a satisfactory resolution. The following are the dates and outcomes of my conversations with their customer service representatives : XX/XX/XXXX - I was informed that I met the requirements and should be eligible for the bonus. XX/XX/XXXX - I received the same response as before, with the representative stating that the bonus would be deposited when my monthly statement closed. XX/XX/XXXX - Having confirmed that my statement had closed and that I had not received the bonus, I called again. However, this time I was told to wait until XXXX to see any results. Despite my request for a case number, the representative declined to open a case, instead leaving a note on my account. At this point, the following facts are clear : U.S. Bank representatives have confirmed multiple times during my calls that I am indeed eligible for the {$600.00} bonus. It has been more than 60 days since my last eligible deposit. There appears to be no valid reason for me to wait until XXXX, and I am concerned this delay is merely an attempt to keep me waiting indefinitely. I firmly believe that U.S. Bank 's failure to fulfill their promotional commitment is a breach of their terms and an infringement upon the agreement established between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Consequently, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank promptly deposits the promised {$600.00} bonus. As the governing body responsible for overseeing fair and responsible banking practices, I trust that the CFPB will conduct a thorough investigation into this complaint and take appropriate action against U.S. Bank, if necessary. I would greatly appreciate your assistance in resolving this matter and safeguarding my rights as a consumer. Thank you for your attention to this issue. I anticipate a prompt resolution and a favorable outcome. Please feel free to contact me if you require any further information or documentation. | ||||||
| 12/29/2022 | Yes |
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| My husband and I both received XXXXXXXX XXXX XXXX ( {$50.00} amount ) from my XXXX XXXX XXXX she attached verification of purchase, so as far as I know everything went smoothly as far as that goes. They are called U.S. Bank Gift Cards and the cardholder agreement states that they are issued by U.S. Bank National Association, in partnership with Visa and XXXX. Contact information is just XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the card, there was a sticker indicating that the card is active for in-store purchases but that you have to go to the website XXXX XXXX XXXX to register the card to use it online - typical process for most XXXX XXXX XXXX so I didn't think anything of it. I went to the website and it asks for the XXXX digit card number and then the XXXX digit XXXX code from the back of the card. I entered both of these and then got an error that the code didn't match their records. Tried again XXXX times, checking and double checking the numbers to make sure I wasn't typing it in wrong - same error. The final time I got a message with the error telling me to call the customer service number ( XXXX ). I called the number and got an automated line that requested the XXXX digit card number and then the XXXX digit XXXX, put both in and again got a message saying the XXXX doesn't match their records. The automated line had me try again XXXX more times before redirecting my call to a customer service representative. The representative then asked me for the XXXX digit card number, the XXXX digit CCV number, and then the last XXXX digits of the barcode on the back of the card. After giving them all of this information, they informed me that the card was a misprint because there is already an account attached to the barcode from the card that doesn't match the rest of the card information. When I asked how I was supposed to be able to use the card, they said that they could send me a replacement card, but only after I faxed them front and back photos of the gift card, the receipt, a photo of my driver 's license, and then my telephone number ( fax to XXXX ). This seems a bit excessive for a gift card - I could understand proof of purchase and gift card photos, but don't know why they need a photo of my driver 's license and didn't feel comfortable sending to them. I called back a XXXX time and was told the same information about the card being a misprint, but this time the woman took down my name and address to see if she could register the card to me on her end - no luck. She then said she would issue a replacement card in XXXXXXXX XXXX XXXX and would waive the {$5.00} replacement fee. I then tried to register my husband 's gift card online and had the same error issues with his card 's card number and XXXX - this time the website was very glitchy and barely seemed to work. So I went ahead and called the customer service number on the card and gave them his gift card number and XXXX - I got almost the exact same information as I did when I called customer service for my card the first time - card is a misprint, need to fax over all of this information. I asked if I could just use the card in-store since I didn't feel comfortable sending them all of that information and was told no, the card is invalid and they can only issue a replacement card. The representative again offered to waive the replacement fee and offered to expedite the shipping, but only once I faxed them all of the information. Since I am unwilling to send them a copy of my driver 's license, the company did not have another way to resolve this issue to where I could access the {$50.00} that is on the card. I then looked up the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and behold, hundreds of XXXX star reviews with my almost my exact experience - people purchase cards from major grocery store or drug store chains and they don't work, can't access the money, replacement cards never arrive, etc. I'll wait for the replacement card and will happily update my complaint if it is resolved, but I do not have a lot of faith that that will happen since this whole thing feels like a scam. Seems highly unlikely that there would be multiple misprinted cards sold at the same time/location without there being a larger issue. | ||||||
| 12/02/2022 | Yes |
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| Due to them saying Im either not a customer or authorized Im re doing this complaint because 1 after around 3 weeks i finally was told what document was need and am in the process of getting said document and 2 this complaint is still about them being informed of someone acting like me to make changes to the account ( probably why i cant be pulled up now even though all reps on the first day around 3 weeks ago said the account was mine ) my mother did in fact start the account for me as a minor via a court case i have reached out just in the first day alone atleast XXXX times and atleast XXXX of those times being fraud reps trying to access my account i even spoke with an ambassador who also confirmed the account was mine but the main issue here is the fact that i informed so many reps many being fraud reps, the ambassador witch informed a district and regional manager about someone pretending to be me and they still proceeded to contact the number that they was informed not to due to identity theft and not one single rep done anything to protect the account i was even told to not file a police report at the time by the ambassador because apparently it wasnt needed and i have the messages still alot of people here were informed of the situation and definitely at the time when i still had decent access no one done anything i now can not be pulled up and its not because of this situation because my mother is still 100 % able to access her part of the account with no issue oh and i cant forget to mention the rep over the phone literally asking for mine and my moms personal information for a suposed form and come to find out she got our information and you cant do that form over the phone i mean what do i need to provide as proof? The fact that i have the account number? Or the routing? Or maybe the exact balance? Or possibly the hours upon hours of calls to the XXXX customer service line? Or maybe the calls to the branches? Or maybe the call a branch made to me? Or orrrr the court case file from when i was a kid? What proof is exactly needed? How is it ok for a bank to be informed MULTIPLE TIMES about someone acting as me and allowing changes and XXXX knows what else to be done? Will getting the screenshots from the posers messages or the ambassador be suffice enough? This isnt ok with me that not only did someone i know act like me but a US BANK worker got mine and my moms social and other info and done XXXX knows what with it..almost a month later and still circles even when trying to file a complaint about them the only helpful person at this company has been this lady from the XXXX california branch shes the one that knew my local branch was in the wrong for not telling me what document i needed so she personally got on the phone when i called to inform me ONE person out of hours and days of people has helped me in this entire situation regardless of whats needed to gain the accessthe allowing someone access once informed is wayyyyyyy to wrong for me to not say anything and honestly hopefully i can get access once my lawyer helps get this document for me because of the changes made because if not i wont sit and stay quiet about it at all allowing this person access has completely messed up this entire situation its one thing if they wasnt informed but they was many many times and nothing was done to protect me or my mom and being told to not file a police report about it..that was asked because i have never dealt with someone acting like me and i was completely informed the way wrong direction i really hope this complaint gets somewhere im already beyond annoyed and frustrated nobody has even attempted to reach out even after multiple messages on social media or calling branches i just want whats mine thats it and thankfully because of one person im on that track but i do think people need to know that when i informed them of a major security issue nothing was done oh and i find it real concerning that after i make a complaint now i cant be pulled up with my name, social and account number but my mom can? Irony.real weird that thats an issue once i made the complaint.i can provide them with almost anything they need just about the account let alone all the numbers for it and to it | ||||||
| 09/07/2018 | Yes |
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| Us Bank has reported that I missed a payment for XX/XX/XXXX I did got on a payment plane they constructed but there is no temporary amendment for that I have agreed to or signed for it, They are reporting to all three credit reporting I have never made a payment to them since they bought my contract from XXXX XXXX and I have made payments then I sent XX/XX/XXXX payment like there agreements say the refused to take the payment and apply to the account but never return the money order to me. They keep reporting to credit every month for mist payments for XXXX and For XXXX but XXXX and XXXX have been paid. and the contract says they can report the payments to credit but USDA can report bad credit only after 4 missed payments and I have received 3 threatening foreclosure letters from US Bank but USDA can not be foreclosed on by US Bank it can by contract be foreclosed on for USDA guarantee loan by no one not even USDA they can garnish wages and assets other then the house by contract, Us Bank keeps changing my contract to meet there terms conditions and procedures. the law shows, Amendment of a Real Estate Contract. When a real estate purchase agreement or contract is executed, and the terms are accepted by both parties, it is a complete and binding document. ... It would require that the closing date in the original agreement be amended Modifying a Contract After Signing It Once a contract has been signed, then it typically can not be changed unless all parties to the contract agree to the modifications. There are many reasons why you might want to modify a contract. Those would include to : extend it ( for instance, lengthen a one-year contract by another six months ) shorten it ( perhaps end the relationship a few months early ) change the quantity of items that falls under the scope of the contract ( such as increasing the number of goods ) add additional scope to the contract ( such as the types of goods to be delivered ), or change the payment terms of the contract ( for instance, allowing installment payments ). Some written contracts may spell out how and when modifications can be made. For example, if you have a credit card, you signed a contract when applying for that card. The contract may have said that the credit card issuer could change the interest rate at its discretion. By signing the initial contract, you have already given the credit card issuer the right to make future changes. Or, for example, a sales contract with a vendor might state that all changes have to be agreed to, in writing, by the parties that signed the initial contract. In that case, you can not call the vendor, ask for price reduction, get verbal approval, and assume the vendor will follow through with the new pricing. If the contract doesn't address the issue of changes, you will need to talk to the other parties to the contract, make sure that they agree to the changes, then, to be on the safe side, add a rider ( additional section ) to the contract that addresses the changes. This rider should be signed by each party to the original contract. There may be instances where all parties to a contract are unable to come to agreement on changes. If that happens, you'll have to either live with the original signed agreement, walk away from the contact ( if it has not been signed ), or calculate how much it will cost to break the contract and decide whether it is worth the cost. They mad temp changes and adding credit reporting against the contract and reporting that no payments have been made but I have. here is examples Innovative Lawsuit Against U.S. Bank - XXXX XXXX XXXX ... XXXX : XXXX XXXX XXXX of XXXX XXXX , Ohio has initiated an innovative lawsuit against U.S. Bank , a division of U.S. Bancorp , one of the largest banks in the country. ... The lawsuit will focus on mortgages guaranteed by the Federal Housing Administration ( FHA ). The FHA backs approximately {$XXXX} XXXX worth of loans. another U.S. Bank fined {$XXXX} XXXX for bankruptcy filing violations - FRAUD ... XXXX : XXXX XX/XX/XXXX - U.S. Bank fined {$XXXX} XXXX for bankruptcy filing violations ... if your current mortgage loan situation qualifies for a Quiet Title or Wrongful Foreclosure lawsuit here : XXXX XXXX XXXX ... | ||||||
| 12/19/2020 | Yes |
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Web | Older American, Servicemember |
| US Bank after 12 + years of banking no issues.We had used 0 % offers and paid them off before they went to a high % rate.In XX/XX/XXXX I saw the accounts from online showing XXXX balances 0 payment due.Because I was at another location on a job without my books with me .THE CREDIT CARD was with two different numbers same card US BANK CALLS IT CENTRAL BILLING. The offers we had used before had a number attached SO I THOUGHT THIS NUMBER WAS A NUMBER TO A XXXX XXXX promotion low % as in the past. I only had access to what the computer showed and the balance was XXXX with line of credit.So when he used the Credit card and we sent payments next statement I assumed this one is paid off.LIKE WE HAD DONE IN THE PAST. In the first part of XXXX I had been finding out the payments were not doing anything BECAUSE THE REAL STATEMENTS after I HAD CONTACTED THE BANK TO SEND the statements that shows the real amount due.I could not make since of why a late payment or fee for over the balance was being added.To find out no low % offer huge credit with a 22 % rate two separate statements same card two different numbers .ONE SHOWS XXXX OWED NO FEES DUE NO BALANCE other shows no charges only a amount that was charged and a balance with now minimum payment due.In XXXX I wrote the CEO office in hopes of getting help.After 10 letters sent emails also, only the same letter came back Not address any of the REAL ISSUE.The payments in XXXX were made even doubled.After I had exhausted every effort a compromise was offered 4 % without lowering the balance.On two cards that had been converted by the bank to this system.You can see the paper we were sent.NOTHING SAID ABOUT TWO DIFFERENT NUMBERS ONE CARD. XX/XX/XXXX I accepted the offer for the COVID HARDSHIP thinking when they spoke it was going to be as they said it would.THE payments would not be forgiven just put on the end of the loan.YET the compromise given by a XXXX NEVER being able to speak to him again after he had given his direct # We sent in payments and one was to be for both of the cards.Yet no one would call back and i said what about this hardship offer NO RESPONSE My husband is on the card and could not hear well.So he gave permission to allow them to speak to me.THEY WOULD GET PERMISSION THEN TRANSFER AGAIN AND WE HAD TO DO IT AGAIN.So they suggested I get power of attorney .We did that in XXXX finally was able to get a notary .Sent it in to all of the places they asked us to mailed .emailed to ceo office.copy of driver license passport statements social security letter .They sent it back i have letter they could not find the account.THIS IS IMPOSSIBLE.After not being able to be sure of what they were doing .THERE WAS letter to say we are reversing a payment .see the copy DOESNT MAKE IT CLEAR WHAT THAT MEANT SEND IT BACK TO MY BANK OR WHAT? meanwhile i made another payment this is all in XXXX TO XX/XX/XXXX .So the XXXX payment comes on these two different cards with four number two per card. Shows a amount of {$660.00} min payment and {$1500.00} was sent when the XXXX and XXXX payment was not supposed to be billed with the hardship.AND the credit was {$70000.00} ( XX/XX/XXXX ) No one gave any explanation AGAIN ASKING for DURABLE POWER OF ATTORNEY THAT HAD BEEN GIVEN TO THEM in XX/XX/XXXX this was XXXX XXXX STILL TRIYING TO GET HELP they send letters cant get through on the phone the online for the account we had used for a lot of years said we had to call. AT THIS POINT I GAVE UP AND I DONT BELIEVE ANYTHING THEY SAY.Statements are not correct with what was told to us.And to send money that is not being used as they said it would be used, refusing to answer how a card can be made to look like one thing .WHEN IT IS REALLY BEING USED AS A HARD MONEY LOAN.THERE is no way to deal with them.THEY MAKE YOU TALK TO ONE PERSON ON ONE CARD ANOTHER ON A DIFFERENT CARD.PROMISE A SUPERVISOR WILL CALL BACK AND THEY DONT.Now i get a lot of calls.That i don't take anymore.I have asked for as senior associate that has access to all of the cards.A communication group for CEO has sent letters that are wrong .THEY CANT EVEN GET the numbers straight to the cards or the fact PAYMENTS WERE MISAPPLIED OR the card was a hoax to make you believe in central billing. | ||||||
| 04/26/2018 | Yes |
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Web | Older American |
| I have tried to solve this complaint with diplomacy and in an amicable agreement but to no avail. The Social Security benefits that the bank willingly let into unauthorized hands, are not being returned as governed by law, not to mention the customer care specialist is suggesting that my XXXX year old mother should engage the perpetrator that stole her money, putting herself in jeopardy. She is avoiding the fact that a Power of Attorney has no right to access the federally issued government benefits and that the bank had no right to give the money to anyone but the account holder or a payee representative appointed by the Social Security office. Because this customer care specialist is not doing right by a person who isn't XXXX XXXX XXXX but XXXX years old, 7 years shy of a century and who has been a good customer of the bank since they opened their XXXX establishments in our city, I feel an obligation to make certain every Elder Abuse Agency on a local, state and Federal level is aware of who she is, that she is giving us the run-around not addressing the problem as well as not abiding by the laws governing Social Security retirement benefits. A XXXX year old upstanding citizen of the community who just was released from the hospital with a XXXX XXXX and a XXXX XXXX, is continuing to cry and scream on a daily basis, going without some of the things she needs, unable to pay bills because the customer care specialist is refusing to rightfully return her money that was allowed to be accessed by a person who had no authorization to receive it. I want everyone in the elderly community to know this person 's name as well as the news media, whom I have friends at XXXX XXXX XXXX, the city 's head of the Elder Abuse Unit, the state prosecutor 's office, the head of the Federal Elder Abuse Agency, the FDIC and Federal Reserve who's law regarding federal benefits is the one this person is willingly ignoring and refusing to uphold, the Social Security Administration as well as every Elder law advocacy group on a local, state and federal level. Not only is bank representative not upholding the law in regards to giving money back that the bank should have protected from unauthorized access for 3 months in a row, but in light of the situation, the funds that should have been returned months ago, don't even come out of the bank 's funds ; the money is insured by FDIC and she is still is refusing to do the right thing by a good customer who's account was compromised illegally by the bank. This is the treatment I want everyone to be aware of that they can expect from a bank representative who is doing nothing to help a XXXX year old woman who is at the XXXX XXXX XXXX XXXX XXXX. My friends in the media are going to help me in putting together a televised documentary in which I will make certain that this person is known to take advantage of a very old and sick member of the community. Nobody would want their grandparents or great grand parents to have to be subject to the negligent and irresponsible actions, or lack of actions this so called customer care specialist who is acting more like a bank care specialist, avoiding the laws governed by Social Security as well as the laws of the FDIC and Federal Reserve that she is willingly ignoring and failing to address. Please see the attached response to see how this representative dances around the facts, acting oblivious to the fact that a Power of Attorney can not access federal benefits by law, bank law, Social Security law, and Federal law and how I will make it my life long project if I have to, to make certain as many know who this person is, so they aren't subject to the negligent treatment she has demonstrated to a person who desperately needs her own money to be returned that the bank was obligated to protect and didn't. This person 's name will be in every up-coming elder law journal and publication that I can possibly inform as well as the professional media team who are constructing the documentary soon to be aired within the next 6 months. This is elder financial abuse by a banking institution 's representative who is doing nothing to help a customer who has been an on-going loyal multiple account holder for at least 25 years. | ||||||
| 03/25/2018 | Yes |
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| XX/XX/XXXXTo : U.S. Bank XXXX XXXX XXXX XXXX, OH XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Re : Error Resolution Notice under 12 C.F.R. XXXX Mortgage Loan Number : XXXX I am writing to request correction of the errors described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX, WA, XXXX. To Whom it may concern, I, XXXX XXXX, received a Loss Mitigation Review Determination dated XX/XX/XXXX ( attached A-1 ). The Servicer Failed to state a correct reason for denying the loan modification under 12 C.F.R. 1024.41. I was not reviewed for any loss mitigation options due to Servicer not being able to complete a property inspection on the property. The determination evaluation notice reason is contradictory to the Notices I received dated XX/XX/XXXX ( attached A-2 ) ( A-3 ) stating that U.S. Bank would conduct a property valuation, such as a written appraisal or brokers price opinion. The Notice states that if I am applying for liquidation options, U.S. Banks vendors will need timely and sufficient access to the home. The Loss Mitigation Review Determination ( see A-4 ) clearly states that my application indicated that I wish to retain home ownership, therefore my account was not reviewed for liquidation options. Under 12 C.F.R. 1002.14 ( Regulation B ) of the ECOA I am to receive a copy of the appraisal report. Your XX/XX/XXXX notice stated that I would promptly receive a copy of one once completed. The Loss Mitigation Review Determination dated XX/XX/XXXX ( attached A-5 ) states that the Servicer obtained a property valuation for my property and a copy was included. The Copy of the brokers price opinion is dated XX/XX/XXXX ( attached A-6 ) which is not compliant with the rules under 12 C.F.R. 1002.14 ECOA. On XX/XX/XXXX@ XXXX XXXX PST I received a call from XXXX XXXX, your representative and my assigned SINGLE POINT OF CONTACT ( RELATIONSHIP MANAGER ) from phone number XXXX ( XXXX ) XXXX ( attached A-7 ). During our conversation I attempted to provide him with a verbal explanation to fulfil the request for additional documentation notice dated XX/XX/XXXX ( attached A-8 ) and he refused to take the information. He then stated that I need a full appraisal including the interior of my home. I asked him under what authority, as my notices had stated differently. He then raised his voice and told me that if I dont do it then I dont get loss mitigation! He then stated that he was closing out my request for loss mitigation. At that point I requested a Supervisor. He denied my request and stated that hes as high as it gets! OnXX/XX/XXXX@ XXXX XXXX. PST, an appraiser by the name of XXXX XXXX, license # XXXX ( attached A-9 ) called in regards to an appraisal. He stated that there is no current law that requires a complete appraisal for a loan modification. As, it was not a refinance. Your representative, XXXX XXXX engaged in unfair and deceptive acts and practices UDAAP by impeding my access to loss mitigation options. This outrageous behavior and unprofessional conduct violates the functions of Servicer personnel under 12 C.F.R. 1024.40 as well as policies and procedures under 12 C.F.R. 1024.38. Thank you for taking the time to acknowledge and address this letter and notice of errors as required by law under 12 U.S.C. 2605 ( e ). Sincerely, XXXX XXXX Real Estate Settlement Procedures Act Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors those with decision-making power over the loan to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. | ||||||
| 06/17/2021 | Yes |
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Web | Older American, Servicemember |
| We are writing this letter as an official complaint against USbank and their employees based on age ( both over 65 ), race ( both XXXX ) and financial discrimination. On XX/XX/XXXX we had an appointment with XXXX XXXX, Client Relationship Consultant, and XXXX XXXX, General Manager at the USbank branch at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, California XXXX. Phone number XXXX We asked how long the loan process would take. XXXX and XXXX said that it should close by XXXX birthday ( *XXXX XXXX ). We went ahead and applied for a Home Equity Line of Credit ( HELOC ) with USbank. XXXX and XXXX were sitting side by side with us and they explained the loan would be based on equity, credit, income and debt ratio. We requested a copy of the guidelines from them, however, XXXX could not locate it on her computer. We agreed to allow XXXX to run our credit report, my wifes FICO score was XXXX and mine was XXXX. ( See exhibit A ). XXXX explained that we needed to open a checking account for automatic payment. We went ahead and completed the required application, submitted the required financial documentation and opened a checking account for {$2000.00} XXXX see exhibit B ) We wanted the maximum line of credit we could get and XXXX said we could get {$130000.00} if our home was valued at {$450000.00}. We told him that we had an existing loan of {$210000.00} and he said we could qualify for the Home Equity Line of Credit for {$130000.00}. The home appraisal that was ordered by USbank, dated XX/XX/XXXX and showed an appraised value of {$450000.00}, ( see exhibit C ). The reason for wanting a ( HELOC ) was to do some home improvement and remodel including installing an electric chair lift on our condo because my wife has balance problems. Our reason for wanting a HELOC so we could only take the money we needed and hopefully pay it back sooner. Now, we had to refinance the entire condo for {$330000.00} ( for which we qualified ) it now makes it more difficult to pay off the loan and we had to incur additional loan fees. ( see attached closing statement, ( see exhibit D ). On numerous occasions afterwards we did request a copy of the loan guidelines but never receive a copy. My wife has a real estate license and has NMLS license in California and knows how to calculate loan ratios. During this whole process with USbank, we requested the guidelines so we could see how they were calculating our income and expenses, but never received a copy. In addition, every time that they would request documentation we would supply it the same day it was requested and they kept on saying that they did not have it. After about eight weeks of waiting we were informed by XXXX that we did not qualify for the loan because our financial ratios and that the insurance and taxes were too high. We received a loan denial letter dated XX/XX/XXXX ( see attached exhibit E ) which did not make no sense and again we requested a copy of their guidelines. We petitioned the denial and they sent us another letter of denial dated XX/XX/XXXX ( see attached exhibit F ). XXXX told us that we would be receiving another denial letter by XX/XX/XXXX and we never received the letter. In addition, USbank ran another credit report without our consent. We submitted our rental agreements along with our bank statements showing the deposits and mortgage statements showing no late payments and our credit reports showing no late payments as well. All of our mortgage impound accounts pay the taxes and insurance. Attached is ( exhibit G ), a summary of finding FNMA approval showing our debt ratio, 20.19 % / 25.82 % on our refinance on our condo on a much larger loan amount. We request an investigation for being denied a home equity loan based on race, age, and financial discrimination. We were never given a good reason for the denial that made any sense and caused us to refinance our home with a 30 year with fees the HELOC did not have and pay for an appraisal. Because we had our existing loan with Guild mortgage since XXXX. We were at a point that we were paying down our principal loan amount and by refinancing with this new loan we are now mostly paying interest and not being able to lower are principal, ( exhibit H ). | ||||||
| 08/19/2021 | Yes |
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| US Bank Reliacard complaint Card # XXXX XXXX XXXX XXXX ( current card, money stolen from the 2 cards prior to this one-sorry I dont have those numbers as I shredded the cards ) This is is a formal complaint against US Bank , specifically the Reliacard department. I was getting my unemployment deposited on their card until I found out about the theft of {$3500.00} of my money in 3 transactions. Apparently hackers changed my address, cell, email and sign on info to their personal information. I was told either they called the call center or did it on line. US Bank Reliacard has no protections against this. No way to lock the card. I then put a password on the account but if hackers were to attempt access online, theyd get in easily. US Bank said they probably wont go after the hackers. XX/XX/21 {$2000.00} was stolen by hackers by setting up bill pay to discover card. XX/XX/21 I discovered the theft and filed a dispute via fax from grocery store that day. US Bank claimed they canceled my card and told me how to file dispute, also sent me a new card. Within 3 business days XX/XX/21 another {$1000.00} stolen via bill pay XXXX XXXX ( card supposed to be canceled, new card wasnt activated yet ) XX/XX/21 another {$500.00} stolen bill pay XXXX XXXX XX/XX/21 filed another dispute via fax from my phone. Card was canceled and new card issued, THEN XXXX ( very sweet and helpful and spent 2hrs on the phn with me to make sure it was done right ) told me I could put a password on the acct. Less then12 hrs later I got a provisional credit in amt of {$1500.00}. Nothing on the other {$2000.00}. For 91 days I was told by around 10 people there that theyre allowed 90 days to resolve the dispute for {$2000.00}. Every single time I called their standard practice was to say we dont have a dispute for {$2000.00}, when did you file it? Im not exaggerating, every single person. I always ask why do we always have to go through this? Look back to XX/XX/21. Then I request a manager from the fraud department for which Ive only been granted twice. Otherwise I was told they have no ability to transfer, no way to get them on the line, someone will call you back. Ya right, they never called back. Its as if its an inside job somehow. I constantly got the run around, even by managers, were allowed 90 days I looked it up and legally they only have 90 days. Yesterday was the 90th day. I called and got when did you file a dispute, we have no record? I immediately asked for manager in fraud dpt, was transferred to female who said she was the Lead Manager but wouldn't tell me her name, she had a very thick XXXX XXXX accent and was very difficult to understand. I kept asking her to repeat herself and each time she would get more irritated. Perhaps they should have someone with a thick accent on the phones. I asked about my money, she said when did you file a dispute? We have no record of it. I said look back. Poof she found it then said it wasn't done and she would submit to higher ups and will take 3 business days. I told her that they had 90, they are playing games and its unacceptable for another 3 business days and that if the money wasnt on my card yesterday, which it wasnt, that id report them to every single government agency that regulates banks, starting with the FDIC. She literally hung up on me. Please contact me for any information you need, as they are not big on giving their names, I dont have any accept XXXX who was very kind and caring. Shes the one who figured out the hackers stole my money via bill pay and changed all the contact information back so that I would get notifications. Please dont let them get away with these practices and if there anything you can do to help me get my money back I would be grateful. I am a single mom of XXXX and desperately need that money back especially since unemployment XXXX is ending and my weekly is only {$87.00}. I am still missing {$2000.00} that US Bank ALLOWED hackers to steal from me. Even if they credit the insured money, please make sure this doesnt happen to someone else, XXXX told me there are tons of victims of this kind of theft. Thank you for everything. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX XXXX | ||||||
| 02/09/2023 | Yes |
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| I am writing due to some very frustrating issues I am having at the US Bank XXXX XXXX office with multiple staff members. in XXXX I opened a business bank act online, and deposited XXXX XX/XX/XXXX ) in the branch a week or XXXX later, the same day I received a forwarded message that my account had been closed in the mail ( it was dated XX/XX/XXXX ). I called in and customer support said to disregard the message as it was likely an error as I had waited a week to deposit the cash. I told them on the phone I had a registered agent. ) I was hoping to be able to use the Promo code for XXXX that was going on in XXXX. in XXXX I received more messages that my account was closed and they had sent a check written out to " XXXX '' to XXXX XXXX ( where my registered agent it ). I have called for customer support maybe XXXX times and each time they dont know or cant help me. I then went in to the branch and first saw XXXX XXXX, who told me it was an address issue so I provided an address in colorado, which she at the time told me, she " had changed the address and submitted the reversal of the account closure '' this was never done, the next week I got a message saying my account was reopened then closed the same day. I went into the branch and XXXX then told me, " I never told you I changed your address and never submitted the closure reveral application '' I was disgusted as her attitude towards me as I was just in there to figure out why I couldnt get the account going. she told me she couldnt help me for over an hour and no one in the branch was able to help. When I called into customer service they told me that they couldnt do this over the phone, but that the branch could help me. Frustrated with my experience but wanting to get this sorted out I made an appointment with XXXX XXXX, for the next day. when I was in he told me there was no way to fix the issue w the address and reopen the act. I asked to get the check issue sorted as I can not cash a check made to my business without my business having an act. It was also sent to NM - I am also unable to get a hard copy of it without paying for mail forwarding. He told me in person that he would " submit paperwork to get the old check voided, and mail it out via overnight serivice the next day. '' this was a week ago and this was a blatant lie. I just called in to speak with the branch manager and this is also a different story than what I was told now over a week ago. I am absolutely disgusted with the lies and gaslighting that the staff here has done. They have completely wasted my time, while holding XXXX away from me for nearly XXXX months, while I am unable to make business purchases that I need to make to make money. I'm super frustrated. I've never experienced this horrible customer service from a bank before. Ive in the past been a victim of coercive control and to have not XXXX but XXXX bank employees lie to me that they did a task and then didnt, while also pretending that they knew anything to help me- is traumatic and disgusting. I was always upfront about having a registered agent so if this was an issue- it should have been addressed before I even went to put XXXX into the account. I have now gone into the branch XXXX times, and now have to go in in person yet again, wasting another hour of my time and even more gas. -Ive probably spent over 20 hours of my working time just dealing with this XXXX, as well as wasted gas driving to a branch that then lies to me, or doesnt know what to actually do to sort out the issue I'm not really sure what you can do but I wanted to let you know this kind of behaviour is going on at the branch. They have XXXX respect for people 's time and money and I'd like to see some kind of disciplinary action, as well as my time and interest covered of the XXXX. I'd also like the XXXX back as soon as possible. I was upfront about my business having a registered agent so it would be appropriate for your staff to be educated on how you as a bank can work with these llcs, or to have them trained so people aren't wasting time trying to open accounts that will never be opened. I have still not received my XXXX dollars back and they have had my money now for XXXX months. | ||||||
| 06/29/2017 | Yes |
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| 1 During XX/XX/XXXX I attempted to cancel my auto payments to 2 student loans - I used the scheduled payments menu, selected the scheduled payment and canceled the payments - Since I canceled these payments, I assumed the scheduling payment meant the recurring payment was cancelled too, as there was nothing in the user experience / interface that notified me that I was canceling a single payment 2 During XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, 2 payments were automatically deducted from my account for the 2 payments I attempted to cancel inXX/XX/XXXX3 On XX/XX/XXXX, I visited a local branch of US Bank to ask about these duplicate payments and inquire as to why these unauthorized payments were taken out in the past 3 months - the banker walked me through the process of canceling a payment. He encountered the same experience as I did, and was concerned that he was unable to completely stop the recurring payment, as opposed to the scheduled payment - he then defined both terms for me, and we walked through the other method of canceling a scheduled payment - through the Pay Bills menu 4 After recognizing the error on US Bank 's part, the banker offered me a {$150.00} credit for the long line of overdraft fees that had occurred - US Bank legally can not charge more than 4 overdraft payments of {$36.00} each on any given day - the overdraft fees he corrected were only for occurrences from XX/XX/XXXX and do not reflect the extensive timeline that dates back to XX/XX/XXXX5 I am requesting a checking account refund of {$390.00} for the excessive overdraft fees and {$400.00} of overdraft protection to be refunded to my Auto-Reserve Line - in the following tabs, I have evidence that these are the sums I 'm owed by US Bank based on their improper recurring payment cancellation user experience, and the lack of notifying me of the proper way of cancelling payments - furthermore, the fact that the banker could not effectively cancel my recurring payment himself proves that US Bank 's current method is unclear and disproportionately suppresses customers from successful online banking : I received notification from US Bank for the same payments, with the same amounts, yet US Bank did not have any system or procedure for notifying customers of duplicate payments - upon further discussion with the bankers, they informed me that I was also not receiving any US bank transfer cards ( Despite the solicitation of these transfer cards from other banks ) because it would not be in the financial interest of US Bank to reduce the interest of my monthly credit card & reserve line payments. -- the clear disregard for customers ' wellbeing is in direct conflict with US Bank 's mission statement and values. 6 I will be filing an official complaint with the Washington State Attorney General 's Office ; this will be public record and risks a financial lawsuit if others are experiencing the same, maligned attempts to suppress customers ' abilities to successfully online bank 7 XX/XX/XXXX - phone call with online senior banker XXXX, senior banker, explained that they could remove 3 of these overdraft fees as a courtesy. I asked to speak with a supervisor, he told me that even if we were able to refund overdraft fee ; do n't have the authority to refund that many overdraft fees. I need to contact a Branch Manager. Therefore scheduled a meeting the same day to meet with at local branch. 8 XXXX XXXX, XXXX - Branch manager shared that he does n't think this constitutes as customer error, and that US bank leaves it open to interpretation. Unknown if end user experience errors are in fact user error or bank error. 9 Reviewed all documentation and I shared with him my base analysis and scenario 1 analysis. He concluded that this is a clear bank-driven error and would help me navigate my claim. 10 In order to resolve my claim, the banker had to connect with local XXXX branch because this is where I originally opened the account. He has no authority to credit funds to my account because I did not open my account at this branch in Washington State. This is now the third layer of oversight from US Bank to manage my issue. 11 XXXX Branch denied my claim, citing user error, not bank error. | ||||||
| 07/07/2021 | Yes |
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| It started back in XXXX of 2020 and I told us bank relicard I had identity theft Begged them for to put a pin on my account half the time that I called they never asked me for the PIN so I had charges on my account XX/XX/XXXX one was for an XXXX XXXX XXXX bill for {$120.00} the other one was for pizza and there was a {$1500.00} ACH transfer I had no access to the account online or anywhere else or a card for that matter someone stole my phone and my wallet fighting with the bank trying to recover my money was hard I did get back {$120.00} for the XXXX XXXX XXXX and I got back the XXXX XXXX but I they denied the transfer saying that I either initiated it or I benefited from it I have that letter but won't tell me how they came to the conclusion where they got the information or anything because for months I was told look up the bank name XXXX that's where it went then I was told that if I I transferred it to an offshore bank account or an account that I opened under my own name or someone opened up so then XXXX through XXXX I was charged XXXX XXXX which I don't even have XXXX XXXX so I told them it's not mine they said they couldn't stop it so they sent me a card out every single month I never got the money back for those charges then I call and I tell him that my car 's been taken I need I left it in laundromat the door locked behind me when I went to go back to get it it was gone so they sent me a new card XXXX didn't tell me when it would arrive or anything like that no tracking number so I get a text message on Saturday the XXXX at XXXX p.m. no one that was home and I it says that the card have been used it fuel City so I called the bank and I go what's going on I haven't even got a card how could somebody be using it they said well we sent you a card and here 's the tracking number so I tracked it it had been delivered that morning at XXXX XXXX. they say someone signed for it rely card said it was me I wasn't home no one else was I said that's a large accusation I hope you have proof to back that so they asked me how I got the information about the transaction how I would know that and I said through a text message they said that's not true it's not your text message and I had just gotten into that account online the first time in a year. So I asked them to stop that card send me another card they said they did they charge me for it I got a text message saying your card was sent it'll be here in 3 or 5 business days on the XXXX of XXXX a few days later no card I called I said where's my card they said no one ever canceled that card and sent you XXXX will send you another card we'll waived a fee they charge me {$12.00} twice I got a text message saying the car was sent I called yesterday they said no card was issued now it's been 5 weeks since I've had a card I asked them for the card number the original card number that someone tried to use at XXXX and at the fuel City that I got text messages though they said they were not allowed to give me the card number or the accounting routing number I said I have to give it to the police they said we can't do that the police are telling me that they're lying and that it's my account and that I should be able to get the information out of that account they said you can't so a supervisor calls me back and tells me that they'll be happy to send me a card I said I don't want another card I want my money transferred out I want the account routing number and they said you will not get the money out of the account. I also talked to the Texas workforce commission who told me to demand that they transfer my money to another account now when I look at the account online it says I have a XXXX balance I had {$1200.00} in the I asked the supervisor to help me with the bill pay she said how dare you ask me to pay your bills for you that's so unethical .... I said I never asked you to pay my bills with your account I asked to pay my bills with my account and how dare you say that why would you take it personal we're talking about my money my account that y'all will not even let me access but you will transfer my money to someone else you'll have someone else to call and use my money but I can't have access to it. | ||||||
| 07/30/2020 | Yes |
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| My entire wallet, including all credit and debit cards and my drivers license were stolen out of my office at work on the morning of Tuesday, XX/XX/2020, while I was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I received cell phone alerts that there was concern for fraudulent activity on my account from US Bank, I immediately returned to my office to find my entire wallet missing. More charges continued to come in. I immediately reported the theft to my campus security officer and called US Bank and XXXX XXXX XXXX XXXX all personal accounts I had at both banks showed multiple credit and debit accounts with fraudulent activity ) that day and spoke with one of US Bank 's representatives to make the above claim as well as regarding debit card activity. At that time US Bank rep made me aware of the fraudulent charges named in a report made with the XXXX Police Bureau and FTC ID theft report, made on the morning of XX/XX/2020. The amounts included in the police report were based on the amounts given to me by US Bank representative as they had not yet posted to my account online. I actually worked to transition the bulk of my direct deposits and bill pays from XXXX XXXX XXXX to US Bank because of how helpful and dedicated US Bank representatives were initially. I then complied with everything US Bank investigators asked me to do, including faxing the police and ID theft reports to the US Bank Fraud Department on XX/XX/2020. I only received communication that the claim was under review until the week of XX/XX/2020 when I noticed that {$1800.00} and {$2400.00} XXXX the latter amount of which was not even included in my original call with your representative ) were taken back out of the above account. I called on Friday the XXXX to ask for explanation and was told that my case Processor XXXX would call me back. When I did not receive a called from XXXX, I called the fraud department again on Monday the XXXX and was told that a police report was never received. I refaxed both reports on Tuesday XX/XX/2020 and called to confirm that the fax was received. I spoke with XXXX who confirmed that the fax was received. At that time, I expressed additional concern about the handling of this case. XXXX stated that she would have XXXX manager, XXXX, call me back. I received a call from XXXX, not XXXX, on the morning of XX/XX/2020. XXXX stated that he would not change the ruling as both the bank card and ID were used at a teller to make the cash advances. I explained to him that my ID was stolen along with my card and he stated that information did not matter as the transaction was made with a teller. I explained to XXXX that during the time of the theft my county, where this took place, was still under a Stay at Home order from the governor of Oregon as a result of COVID-19 ( see XXXX XXXX XXXX ). At the time of the theft, nearly all bank transactions were made with drive-through tellers ( most branches were closed ) and masks were required for any business transactions indoors. With drive-through tellers and masks, a mistaken identity would have been understandable. According to XXXX, he would also not take this into consideration, stating that the signature on the advance requests seemed to match mine on the fraud claim. Again, this thief had possession of my drivers license that had my signature on it, making it incredibly easy to forge! My cards AND my drivers license ( which featured my signature ) were not in my possession. In fact, as documented in the addendum to the police report, the entire wallet was mailed back to me by a local business who found the wallet and contents soaking wet on their grounds weeks later ( I have kept the wallet, envelope it was mailed in and letter from the establishment. ) Furthermore, there were numerous other fraudulent charges, withdrawals made on XX/XX/2020 with my US Bank accounts and XXXX XXXX XXXX accounts, which XXXX also stated he would not consider because of the signature in question. It was my understanding that none of this was considered on the ruling made by XXXX and supported by XXXX and was told the only option left was to appeal via fax or mail to the Office of the President at US Bank. | ||||||
| 08/03/2023 | Yes |
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| I have 2 banks I bank with. 1. XXXX XXXX 2. US Bank I deposited a mobile check for {$1000.00} to XXXX XXXX on XX/XX/XXXX, it sent me a message on XX/XX/XXXX after mobile deposit that it was rejected due to the date being incorrect. My client had accidentally put the date as XXXX. She corrected and initialed it, so I redeposited the same day and it rejected again. ( I have proof of this on my mobile banking app from XXXX XXXX. So, since it rejected twice at XXXX XXXX, I decided to go ahead and mobile deposit it at US Bank, which accepted it. However, Unbeknownst to me, on XX/XX/XXXX XXXX went ahead and accepted it, so they deposited it into my account. I of course had already also deposited it into US Bank on XX/XX/XXXX since XXXX showed they rejected it. US Bank, then debited it from my account since it cleared through XXXX XXXX. Which I am totally fine with. I had enough money in my account so it didn't go negative. I believe my balance AFTER the {$1000.00} deduction was at {$3900.00} in my business account. Which, I was closing since I know longer have that business. I had opened a personal checking and savings with US Bank, and was trying to transfer my business balance into my new checking via XXXX. Next thing I know, my account was frozen by US Bank and in the Fraud department on XX/XX/XXXX. That department which you can only reach through phone, would not give my any information and I was told there was no time frame on which they had to return my money or and that they also had the discretion to not return any! So, I went into the local branch and spoke to the Branch Manager, who was very helpful, I showed him All of my documents showing how XXXX XXXX rejected my deposit twice, but then 2 days later accepted it. He emailed the fraud department asking for the hold to be removed on XX/XX/XXXX ( the same date I went in to see him ). He called me on XX/XX/XXXX, saying that unfortunately the fraud department rejected his request and they'd be closing out my account and sending me a check in a few days ( I saved this voicemail ), so then I emailed him on XX/XX/XXXX asking if he could please provide me with an ETA, he said he contacted them again via email, and they told him what they told me, they had no specified time on when and if they would return my money. I then called US Bank fraud department on XX/XX/XXXX, and she researched it for me and said it's actually another department handling it ( she said the " closing department '' ), and she said their last notes on my account dated XX/XX/XXXX, said they were investigating it, there was no specified period on closing or returning my funds. The note also stated, that it would be returned by cashiers check through the mail IF there was any funds to send! I can't even reach that department that supposedly is researching my account to talk with them. That XXXX also told me I would be receiving notice in the mail stating the same thing. I've yet to receive anything after more than 2 weeks. Yesterday, I received a notice in the mail about the {$1000.00} debit which I already was aware of, BUT in that same letter it stated they were looking into a deposit I made on XX/XX/XXXX in the amount of {>= $1,000,000}!!!! I of course have this notice for proof that US Bank is the one in error. They are the ones that did something on their end. So it appears they flagged MY account for that very large transaction. I've never ever had that kind of money in my life. Nor did I ever make a deposit in that amount! I am just trying to get back my {$3900.00} that I worked very hard to save. I've never bounced anything at US Bank and always had money in it. In addition, the personal checking and savings I had opened online had an initial opening deposit of {$100.00} in checking and {$75.00} in savings. They are denying me that {$170.00} as well. Again, I opened those personal accounts because I closed my business, and was going to transfer the business balance into my personal accounts I had just opened. Due me : {$3900.00} from my sole owner business account, {$100.00} from my new checking and {$75.00} from my new savings. Please help me. I have attached documents supporting my statement. Thanks, XXXX | ||||||
| 08/07/2022 | Yes |
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| In XXXX of XXXX I assumed the lease of a XXXX XXXX XXXX truck. I am a resident of New York. The original leasee was a resident of KY In NY vehicles are taxed one time at the time of purchase or lease. In KY vehicle tax is due annually, billed each XXXX. I paid the full sales tax for the duration of the lease in NY, when I registered the vehicle in my name in XXXX of XXXX. At the time of registration, I gave the NY Dept of Motor Vehicles a closing package that I had received from US Bank and presented a Limited Power of Atty. to effectuate the enclosed documents. In XXXX of XXXX I was billed for KY property tax. I began disputing KY taxes at that time. US Bank told me that KY assesses annual property tax on all vehicles titled in their state and for some reason the vehicle title hadn't transferred from KY to NY. They first told me that it was my responsibility to dispute the tax with XXXX County. Then they told me the title not transferring from KY to NY was my problem. Both of these situations are only be able to be resolved by the OWNER of the vehicle. I contacted US Bank and explained to them that only they, as the owner, are able to resolve these issues. They have refused to correct the title issue, but continue to double tax me on the vehicle. I have spoken with countless US Bank representatives and disputed the KY tax. Each time I get a " canned '' response that " as the Leasee, you agreed to pay the taxes and fees due '' - I understand that I agreed to pay the tax due, however I don't feel it is my responsibility to pay taxes in two jurisdictions because of their error. I received a letter from them stating that ; " you will continue to be charged annual personal property tax on the vehicle if it is physically located in the state of Kentucky based on XX/XX/XXXX of each year. '' Based on this letter I again disputed their KY tax charge. I was told that If I sent them proof that the vehicle was continuously registered in NY from XX/XX/XXXX, that they would disregard the KY tax charge. I provided this information and their reply was the canned response that I still owed the tax. I extended the lease on a month to month basis, from the contract end date of XX/XX/XXXX. In XXXX of XXXX I requested that we terminate the lease extension, primarily because I did not want to possess the vehicle on XX/XX/XXXX of XXXX and be assessed another KY tax bill. I was told to drop the vehicle " at any dealership in my area ''. No dealerships in my area deal with US Bank and none would accept responsibility for the truck, nor could they provide any documentation that I had surrendered the vehicle & its condition. I contacted US Bank and shared this. They then stated that there was a " home pick up '' option. It was the last week of XXXX and I requested that this occur. I heard nothing from them. In mid XXXX I was billed for a XXXX lease payment, a XXXX lease payment and KY property tax for the year XXXX. I promptly disputed this and they backdated the lease to XX/XX/XXXX, waived the XXXX & XXXX payments, arranged for pick up of the vehicle, but demand that in addition to XXXX taxes, that I also pay XXXX taxes on a vehicle that I do not have in my possession, nor was I obligated by any contractual agreement for XXXX. Summary ; I was assessed XXXX, XXXX and XXXX KY Property tax through an error and subsequent unwillingness on US Banks part to resolve the issue. I don't have the benefit of the vehicle in calendar year XXXX, therefore why should I pay KY tax for someone else 's benefit? As stated the letter dated XX/XX/XXXX " you will continue to be charged annual personal property tax on the vehicle if it is physically located in the state of Kentucky based on XX/XX/XXXX of each year ''. - This vehicle was not. Letter dated XX/XX/XXXX states - " We have grounded your account and backdated the file to XX/XX/XXXX. As a result, you will not be responsible for the XXXX and XXXX bills. '' - Based on this statement I am clearly not responsible for lease/use payment and therefore not responsible for subsequent charges related to the vehicle in XXXX, including the annual XXXX use tax bill for KY Ironic that they chose XX/XX/XXXX as a date. | ||||||
| 01/05/2023 | Yes |
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| Hello : In XX/XX/XXXX, My mortgage forbearance program with US Bank ceased, and I was scheduled to resume my interest-only payments of {$3000.00} per month beginning in XX/XX/XXXX ( XXXX year ago from this email ). At the same time I was scheduled to resume my payments, the interest rate decreased ( variable rate adjusting annually ), which decreased my payment from {$3000.00} to {$2300.00}. I was very pleased indeed! The US Bank customer service representative helping me with transitioning off the forbearance program said I needed to make XXXX payment at the old amount before the new lower payment amount would take effect. So, I made this payment, on time, in early XX/XX/XXXX. A month later, I was receiving mortgage statements from US Bank indicating that I was past due with my payments and the nightmare began. Beginning with my statement for my XX/XX/XXXX payment due, US Bank indicated that I was {$5400.00} past due. My statement for my XX/XX/XXXX payment indicated that I was now {$7800.00} past due. Since this statement, all of my statements alleged that I was {$7800.00} past due. This continued until I sold my home and paid off the loan balance. The pay-off amount included with alleged past due amount, and I am seeking to have it refunded with no success. During the 2022 year, I have had several calls, and spent many hours on the phone, with US Bank Customer Service Representatives trying to get this resolved while they harassed me every month with certified letters threatening foreclosure. This was extremely psychological debilitating for me because I was afraid they were going to ruin my XXXX XXXX and take actions to foreclose on my home when I was current with all my payments. I have checking account statements proving I have always been on time with my payments. Each time we had a call to try and resolve the matter, it ended with the US Bank representative telling me that they has a " system change '' in XX/XX/XXXX that resulted in me receiving XXXX XX/XX/XXXX statements as my {$3000.00} payment could not be applied to my account. They just couldn't get it out of " suspense '' They said that a help ticket had been opened with their research department and that I would be receiving a call " soon ''. No one ever called me - ever- during the past year. On XX/XX/XXXX, I sold my house and this US Bank loan was paid-off with the close of escrow. As I said earlier, the pay-off amount included the {$7800.00} that they alleged was past due. I tried to fight it but needed to close escrow. They had me in a really desperate spot as I had to close escrow because I was moving to another home that was essentially simultaneously closing in XXXX, Washington the following morning XX/XX/XXXX. So, today ( XX/XX/XXXX ), I was on the phone, yet again, with a US Bank customer service representative asking them for a complete accounting and refund of amounts they took at pay-off that were not due to them. They are still telling me that the " research department is looking into it '', and they will " get back to me next week ''. I am so tired of their dismissive comment to me. I just can't believe this has been going on for one year now! It is gross negligence as best and criminal at worst. If I were a betting person, I would bet that I would never hear back from them. I wonder if this is a systemic problem that is affecting thousands of customers ' loan accounts? The big commercial banks have recently come under fire, and paid huge penalties, for their shady business practices. I wonder if we have such an issue here that is affecting more people than just me. Their explanation of a " system change '' and the fact that they seem to be hiding behind the " Research Department '' is very concerning and frustrating. Can you please help me get a complete accounting from US Bank that is supported by hard data explaining my account since I came off the forbearance program in XX/XX/XXXX? I have my own complete accounting and analysis, but it is falling on deaf ears. No one at US Bank cares. I know I am due back funds that are material to my financial condition. I appreciate you reading this long message and helping me. All the best, XXXX | ||||||
| 09/21/2020 | Yes |
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| I am the Seller 's Realtor for XXXX XXXX XXXX XXXX, XXXX, AL XXXX. XXXX XXXX, with US Bank was the mortgage loan originator ( NMLS # XXXX ) for the Buyer, who was not my client. We were scheduled to close on the home for the {$250000.00} agreed upon contracted price on XX/XX/XXXX. This home was in very high demand and sold the first day for XXXX above asking with multiple offers. The original list price was XXXX. On numerous occasions during the process, I inquired regarding the status of the appraisal and received no response. I received an email from XXXX XXXX on XX/XX/XXXX at XXXX that the home appraised for {$240000.00}. It was a short blunt email with no explanation. I was informed by him that my Seller needed to agree to the reduced price of XXXX per the appraisal by XXXX that day so disclosures could be sent in time for the XX/XX/XXXX closing. This did not give my Seller time to consider the current situation and/or object to the appraisal. After several emails back and forth disputing the appraisal, the lender told me that we had NO grounds for a dispute and would not offer us a way to dispute the appraisal. There were several initial glaring errors on the appraisal, but the main one is that the appraiser only gave XXXX in value to the 1st floor. He called the 1st floor a basement and wrote the report up as if the 1st floor was a below grade basement. I even went to the home that evening and took a video of the home showing that the 1st floor was not below grade and was not a basement. Once again, even after receiving the video, he would not allow me to submit a dispute. That evening, I also searched the MLS and found another major error on the appraisal. There was a significant comp that was on the appraisal for XXXX, which was in error. The home actually sold for XXXX. I sent the MLS information, and the lender still would not consider granting us a revised appraisal. Also, during the correspondence, he would not answer the phone and was rude to me and the Seller. During this time we spent asking for a revised appraisal, we lost precious time, which we did not have due to receiving the appraisal at the last hour. The Seller then conceded to close the following week on XX/XX/XXXX with the lender telling us that we would have no problem closing by the new date due to the fact that all paperwork was ready to go. Then, after calling and emailing for updates all week with no responses, we learned on XX/XX/XXXX that the lender missed the fact that the Buyer had a short sale on her record, and financing was denied. There was very little communication on his end, and he 100 percent completely refused to reconsider the appraisal due to the major error that was evident. I am attaching those emails to this complaint, which details his lack of motivation to reconsider the faulty appraisal. It is my feeling that he was colluding with the Buyer and the Buyer 's agent to get them the home at a reduced price, which is why he refused my request to dispute the appraisal. I also feel that this is the reason that I was sent the appraisal at XXXX on the last day before disclosures had to be sent to underwriting. This was in my opinion purposeful to prevent my Seller from being able to dispute or consider other options in a timely manner. In the end, this deal completely fell through due to his lack of diligence to make sure that the Buyer had the proper credit to purchase the home in the first place. I am completely appalled that US Bank refused to evaluate his poor performance. In addition, his professionalism was sub-par at best and bordered on rude and arrogant in most of his correspondence. He took the position that under no circumstances could we dispute the initial appraisal and would not listen or submit our complaints in regard to the first appraisal. I have been in real estate for 15 years and thankfully, I have not had to dispute many appraisals on behalf on my clients. However, in other instances, when I made the request to dispute, my request was heard and reviewed and considered. The outcome changed in some cases and in some cases it didn't change but in all of those cases, I was respected, and my client was respected. | ||||||
| 07/31/2017 | Yes |
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| I filed this complaint against the U.S. Bank National Association for problems with my annual percentage rate ( APR ) interest on my general purpose credit card, U.S. Bank Platinum Visa, which credit account I have held with U.S. Bank National Association for approximately ten years. I am asking the Consumer Financial Protection Bureau to investigate predatory lending practices and collusion amid banks that provide consumer credit and mortgage financing products to low- and middle-income debtors. For five years or more, U.S. Bank National Association has charged me annual percentage interest rates in excess of 21 percent on my principal balance. During the past six months, my APR rate has varied between 23.47 and 23.99 percent. To the best of my recollection, I called U.S. Bank Customer Service on XXXX XXXX, 2017, to request a lower APR rate on purchases on my U.S. Bank Platinum Card. As I recall, I spoke with Customer Service Representative XXXX. During our call, I asked XXXX if my APR interest rate on purchases could be adjusted from its current level ( in excess of 23 percent ) to a more manageable rate of 12.99 percent. XXXX and I argued that the current APR rate on purchases, based on the Prime Rate, made it impossible for me, at my income level, to pay off my balance owed to U.S. Bank National Association. I asked XXXX why he was charging me such a high balance when I had a good payment history, having made payments in excess of the minimum almost every month for at least two years. I told XXXX that I felt U.S. Bank National Association 's object was not to help me build good credit, but to keep me indebted to the bank for life. I told XXXX that another creditor had given me an APR interest rate of 3.25 percent, enabling me to pay off my balance during the course of several years. I asked XXXX why my request for a 12.99 percent APR rate was not considered reasonable. I told XXXX I refused to pay the minimum payment of {$340.00}, owed to U.S. Bank National Association for the billing period from XX/XX/XXXXto XXXX XXXX, 2017 ( i.e., the XXXX 2017 billing period ). I told XXXX I refused to pay U.S. Bank if they continued to charge me " usurious '' interest. At that point, XXXX put me on a brief hold. When he returned to our call, he stated that I could have a four percent APR interest rate if I agreed to allow U.S. Bank Nationwide nail Association to cancel my U.S. Bank Platinum Visa Card and send it into collections. I told XXXX that I did not want the card sent to collections, as such action would damage my credit rating. XXXX called me from XXXX ( XXXX, Kansas ) on Saturday, XXXX XXXX, 2017, at XXXX XXXX EST. Not recognizing the phone number, I did not answer the call. XXXX left a voicemail for me, directing me to call him back at a DIFFERENT number, XXXX than the one from which he called me. I did not respond to his voicemail. U.S. Bank called me again on Tuesday, XXXX XXXX 2017, at XXXX XXXX EST. I was working during that time and did not answer the call. The call came from XXXX. U.S. Bank called me again on Friday, XXXX XXXX, 2017, at XXXX XXXX EST. As I had a medical appointment on my calendar, I did not answer the call. The call came from XXXX. XXXX called me again today, Monday, XXXX XXXX, 2017, at XXXX XXXX EST. He called me from a third number, XXXX ( XXXX XXXX, Kansas ). Having no scheduling conflict, I took his call. XXXX informed me that he could not honor my request to have my APR interest rate lowered from 23.99 percent to 12.99 percent. He told me he would offer me a 4.99 percent APR ( so, an APR increased by 0.99 percent since our previous conversation of XXXX XXXX, 2017 ) if I agreed to allow U.S. Bank National Association to cancel my card and enter my account into collections. I told XXXX that I wanted the low interest rate but would like to see the Terms and Conditions of the hardship plan to know how the card cancelation might affect my credit rating. I asked XXXX if he could email me the Terms and Conditions. XXXX said he could not. I then told him I would refrain from making a decision about payment until I had contacted my credit bureau ( which bureau I found out can not give financial advice ). | ||||||
| 02/06/2023 | Yes |
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| On XX/XX/2023, I opened a new XXXX Account with US Bank through their website and funded it with {$25.00} through my debit card. On XX/XX/2023, I visited the US Bank Branch at XXXX XXXX to deposit three ( 3 ) Paid Family Leave XXXX XXXX checks from the XXXX XXXX Department directly with the Bank Teller. Each check was for an amount of {$3100.00} with the deposit from the checks totaling {$9400.00}. I also made a CASH DEPOSIT for {$640.00}, for which I have the receipt too, making the total of my deposits on that day {$10000.00}. The female banker who helped me mentioned that the checks could take anywhere from 1 to 5 business days to fully clear depending on how fast they could verify them with the government agency, and mentioned that {$220.00} were made available on that day, providing me paper receipts for each of the deposits I made that day, which I keep with myself in case they're needed as proof. On XX/XX/2023, I logged into my US Bank online account through their Mobile App on XXXX, and noticed that the three checks I had deposited the previous day were already cleared and ready to use, which I confirmed because I was able to do three transactions using my debit card on that day. On Thursday, XX/XX/2023, I visited the US Bank XXXX XXXX to get a cashier 's check for {$8500.00} to give as a down payment for the purchase of a car. The banker at the branch was not very helpful, because he didn't want to provide me with the cashier 's check I requested because he said he didn't feel confident enough that the funds from the check would clear, which was an ambiguous response since technically, the checks had already cleared because the funds were available on my account. I requested to speak with his manager and he reluctantly accepted. Her manager reviewed the case and wasn't able to help either because, as per her words, even if the funds from the checks I deposited were made available the day after I made the check deposits directly at the branch, the clearing of the funds was an error on the US Bank system ; so she made the decision to call a higher level manager on US Bank 's back office to review the case, and the person on the phone asked me to wait at least until Monday, XX/XX/2023 to make the withdrawal so they could make sure the funds from the checks were collected. I wasn't able to give the downpayment for the car I wanted to purchase that day, making all the hits to my credit score that occurred due to the credit applications worthless, and my experience with the bank very disappointing just three days in as a customer. After that my bank account stopped functioning properly. That same day ( XX/XX/2023 ) during the night, I tried to use my debit card to put gas on my car and the debit card was declined at the pump. I called US Bank 's customer support and they mentioned that my card was working fine. I kept trying to use it and the card was declined every time for at least 4 different times. I called US Bank 's customer support for a second time and, after a long time on hold, the banker told me there was a hold on my account put by the branch I had visited earlier, and that to remove it I would have to visit a US Bank Branch in person. The following day, Friday, XX/XX/2023, I visited the US Bank XXXX XXXX branch in person to request help from the bankers to review my account. The banker, XXXX, went above and beyond to help me, and he confirmed that there was a hold on my account, not by the branch, but by US Bank 's Back Office, and that there wasn't an ETA available for when the hold was going to be released. Even when I showed him deposit receipts and check stubs from the XXXX CA government agency, the hold was still on my account. Today is Monday, XX/XX/2023, and there's still a block on my US Bank Account, and I have no access to the {$9600.00} that I have deposited in there, which is affecting my day-to-day because part of those funds are used for my personal expenses like medical visits, groceries, etc. I called US Bank Customer Support to confirm, and they confirmed the hold, however, weren't allowed to provide me with neither information nor an ETA for the hold to be released. | ||||||
| 09/15/2017 | Yes |
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| In XX/XX/XXXX I bought a new XXXX XXXX for XXXX. I put down XXXX 's in cash and my Father, XXXX XXXX XXXX took out a loan from US BANK for the remainder of the sale at XXXX. Both my dad and I went to the bank together and set this up with XXXX XXXX (? ) then, the USBANK branch Manager at XXXX XXXX in XXXX WI. At that meeting, we set up the monthly pymts for this loan at XXXX/mo to come directly out of my checking acct ending in XXXX on the XXXX of each month. From the start, this loan has been messed up with their calculations and their changing of the dates for payments. First, I received a charge for XXXX for some unknown, never explained to me, " Fee '' on XX/XX/XXXX. Then I re'cvd another XXXX and a XXXX dollar " fee ' on XX/XX/XXXX and XX/XX/XXXX. As you can see from the transaction history page that I uploaded, I made several large payments at once starting on XX/XX/XXXX for {$1000.00} followed by another payment of {$2900.00} on XX/XX/XXXX followed by yet another payment of {$1900.00} on XX/XX/XXXX. All those payments covered the next 12 months payments and the next payment was not due until XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX and the principal bal never changed ; it stayed the same at {$25000.00} which is where it was at on XX/XX/XXXX. ( Even that Bal at {$25000.00} is wrong on their end but I will address that after this issue ) My principal Bal on XX/XX/XXXX was {$25.00}, XXXX and then a year later, on my next payment due date of XX/XX/XXXX I make a {$490.00} payment, and USBANK did not deduct that from the Principal Bal leaving it at {$25000.00} the same as it was prior to this payment ... ..USBANK did not credit my acct the payment for the {$490.00} I made on XX/XX/XXXX. Then on XX/XX/XXXX I am hit with another unknown charge of XXXX dollars. On XXXX/XXXX/XXXX I make another scheduled payment of XXXX and the principal Bal goes from XXXX down to XXXX- USBANK applied ONLY {$61.00} of the {$490.00} to the principal doing only XXXX knows what with rest as these payments for XXXX/mo include the interest charges! Again referring to the Transaction History provided by USBANK and by my own breakdown of the entire loan, payments made etc you can clearly see there is a major difference in what I have paid on this loan v what USBANK states is owed. US BANK failed to apply payments in their entirety ( pymt of XX/XX/XXXX in the amt of XXXX ) and then only applied {$61.00} of the {$490.00} pymt made on XX/XX/XXXX to the principal Bal. USBANK applied fees and other charges that are not my responsibility nor my obligation. USBANK records are woefully incorrect. if you start with the date the loan was taken out and the amt : XX/XX/XXXX at {$31.00}, XXXX and go line for line with the recording of payments, it comes out missing {$2000.00} in CREDIT making my Principal Bal incorrect. I have for over a year been trying to get this straightened out with US BANK. My Dad even went with me to the bank branch last XX/XX/XXXX in order to see what was going on. Nothing ever came of the promises by the bank to check into it. Several times in the last three months, I have gone to USBANK and spoken to XXXX ( Bank Mngr ) as well as having written several letters to the Bank re this issue to NO AVAIL. I then SOLD this car last month and the pay off was incorrect and that prompted even more phone calls and letters to US BANK again to no avail and I was told the Title would not be released until the amt USBANK said I owed was paid. So, I paid them the XXXX they said I owed and sold the car. My father passed away on XX/XX/XXXX and because the loan is in his name, USBANK thinks they no longer have to make the corrections to my checking acct.. This was not my dads car and that is why we set up the monthly payments to come directly out of my checking acct.. The Dept of Motor vehicles as well as several key Bank Managers knows this car belonged to me and that I was responsible for and made all payments as evidenced by the records. If I have to go to court against them, believe me, I certainly shall do so. I want this straightened out. US BANK OWES ME Over XXXX for my OVERPAYMENTS on this XXXX XXXX XXXX. | ||||||
| 07/02/2022 | Yes |
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Web | Older American, Servicemember |
| Filing complaint against US Bank for not providing us with accurate information regarding forbearance and request for Mortgage Assistance. XXXX XXXX was employed making an estimated {$110000.00} annually income. Lost job XX/XX/XXXX XXXX XXXX XX/XX/XXXX re-employed making an estimated {$60000.00} annual income XXXX XXXX was employed making an estimated {$80000.00}. Lost job in XX/XX/XXXX XXXX XXXX was re-employed XX/XX/XXXX ; various jobs between then and XX/XX/XXXX making an estimated {$60000.00}. As of XX/XX/XXXX making {$70000.00} In XXXX we applied for a Mortgage Assistance plan through US Bank with the intent to lower our monthly mortgage payment. At that time we were informed by US Bank to stop paying our monthly mortgage payment until a decision was made. We were declined for the Mortgage Assistance Plan to reduce our monthly mortgage payment by US Bank due to, in their opinion, we had the ability to pay. We were told we could reapply which we did. Declined again. Then we were told that we could do a forbearance in 3 month increments and the missed monthly payments would be added to the back end of our loan We continued the forbearance for 12 months. At the end of the12 month forbearance, XX/XX/XXXX, we reapplied, as instructed by US Bank, for Mortgage assistance. After being denied due to lack of documentation, which we provided, we reapplied again. XX/XX/XXXX we were finally made an offer by US Bank. The offer stated our monthly mortgage payment would {$3500.00}, on a 3 month trial basis. This is {$500.00} MORE than our original monthly mortgage. Numerous telephone conversations with US Bank Representative XXXX XXXX XXXX and various other US Bank Representatives at Bank were had. Below are just a few examples of conversations we had. Unfortunately, we did not document dates and times. However, according to US Bank, all calls are being recorded, therefore all conversations should be document with US Bank. During conversations with US Bank, we were always informed that all missed payments would be applied to the back end of our loan. One conversation, a representative stated that the new offer was at 4.5 % interest rate at which time we questioned because our current loan is at a 3.5 % interest rate, the man backtracked his comment at which time, we felt US Bank failed to disclose terms of trail plan offer. We asked for documentation showing a breakdown of what the {$3500.00} consisted of. We were told they could not do that. We asked for a more detailed agreement than the XXXX page document they provided. Again, we were told they could not do that. They expected us to sign an agreement which had no details other than an amount We discussed the situation with our loan broker and he also stated missed payments under forbearance should go to the end of a loan. He also stated that when applying for Mortgage Assistance Plan, the monthly payment should go down, not up. Also, discussed with XXXX XXXX XXXX regarding the missed payments and they also stated the missed payments should be applied to the end of our loan. We responded, in writing on XX/XX/XXXX, to US Banks letter, prior to their deadline provided, stating that we declined to accept their trial plan offer of {$3500.00} and we would resume paying our original monthly mortgage, starting XX/XX/XXXX, based on our original loan agreement of {$3000.00}. No further documentation or phone calls were received from US Bank after we sent our declination letter. On XX/XX/XXXX we tried to pay our mortgage on US Banks website. Their website would lot allow us to pay less than the {$3500.00}, which we did not accept. When we called US Bank to discuss further, we were told that there must have been some confusion because we missed 22 months of payments and we needed to make that up. After several minutes of discussion regarding the situation, the representative hung up on us. We made a payment of {$3100.00} through our bank account to US Bank using bill pay on XX/XX/XXXX. Attached are the following documents The offer letter received from US Bank dated XX/XX/XXXX Our declination letter declining their trial plan offer dated XX/XX/XXXX | ||||||
| 02/09/2022 | Yes |
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| The details below coincide with a fraud alert I received on XX/XX/XXXX that my SSN has been found on the dark web along with details that it is not possible to know how long my SSN # has been available. As the victim of Identity theft I have been going through the trials and tribulations that come with being customized, including the need to keep lenders responsible ( the burden of proof is on the lender to provide details substantiating their claims ) knowledge of my SSN # being found on the dark web is not a first and wont be the last it will happenagain. However I have been proactive in protecting my file. XXXX XXXX seems to be completely missing my alerts and shotgunning my credit on the daily getting through multiple inquiries for a single day when I may remove a credit freeze. XXXX XXXX reports XXXX hard inquires every time this occurs. And is reporting inquiries and sending me letters of credit denial nearly every few weeks for credit I did not ask for. Requesting XXXX XXXX immediately cease and desist all association with my credit profile going forward and requesting removal of erroneous hard inquires regardless of where they were pulled ( whether the big XXXX CRAs or the smaller companies like XXXX, XXXX, XXXX, and the like ), placing my credit profile off limits to this lender until such time that I myself may request credit from them after confirming identity or internal safeguards are put in place to ensure consumers are not victimized by ID theft out of their control. Also reporting the company deliberately appears to report dual credit inquires showing as hard inquires each and every time they pull credit ( see below for dates ). I first had identity stolen which I discovered in XX/XX/XXXX. Immediately filed reports as recommended. My credit profile contains a current fraud alert notifying banks to call me and confirm identity BEFORE RUNNING MY CREDIT AND IF THEY CAN NOT CONFIRM THEY ARE INSTRUCTED THAT IT IS LIKELY FRAUDULENT. This bank has completely disregarded the fraud alert to date. The inquires below are unauthorized and should have been blocked by one or both of : my credit report freeze, or after confirming I did not request credit by calling me XXXX to confirm my intent per my fraud alert. I will submit that they have removed a couple inquires but the vast majority remain. Again, each time they pull using XXXX diff addresses so XXXX hard inquires are added. After seeing that they had turned down a consumer 1 day prior, there is no need to further inquire. Even if these requests were made by me and I was asking for credit from them daily, there should be internal controls to protect consumers from this erroneous reporting of hard inquires and further harming their credit score. I prefer to handle these matters outside of court, but I do have an attorney and will pursue damages if these inquiries are not removed immediately. I will stipulate that XXXX XXXX XXXX XXXX did obtain my permission to run my credit. I did specifically ask that they NOT shotgun my credit to lenders nationwide, rather asked that they keep it with XXXX XXXX where I had a pre-approval on file. I will agree that XXXX XXXX XXXX XXXX is responsible for this one instance. Aside from that, the inquires in XX/XX/XXXX are not authorized nor is the entry of dual inquires dated XX/XX/XXXX authorized. Specific dates ( each date corresponds to XXXX hard inquires from XXXX against my credit profile with XXXX, but this complaint is for all reporting of inquires across any and all consumer reporting agencies large and small ) : XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquiry from the lender This is XXXX unauthorized credit inquires all harming my credit. With the possible exception of XXXX inquiry, the rest of these are inaccurate or a computer glitch causing repulls twice every XXXX day towards the end of XX/XX/XXXX. I will be filing this same complaint against multiple other lenders deliberately pulling my credit without full authorization of an identity theft victim. | ||||||
| 11/01/2017 | Yes |
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| As a result of hardship caused by the new XXXX status of XXXX XXXX which caused loss of income to our household, my husband XXXX XXXX who has remained gainfully employed during this entire process and I applied for mortgage assistance through USBank 's loss mitigation department. We received a loss mitigation package dated XX/XX/XXXX, stating that we had been approved for the Government Home Affordable Modification Program ( HAMP ) with terms stating that acceptance needed to be acknowledged by signatures and payment received by USBank no later than XX/XX/XXXX. On XX/XX/XXXX, check # XXXX written on XXXX XXXX for {$1900.00} with the signed Government HAMP acceptance and terms were mailed to XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, MN XXXX, and a signed copy of the Government HAMP acceptance and terms was faxed to XXXX on the same day. Terms and conditions outlined for the trial period stated that a permanent modification agreement would be provided for our review and acceptance upon its completion. The trial period schedule was from XX/XX/XXXX through XX/XX/XXXX at {$1900.00} per month. Terms and conditions for the trial period plan stated that the pre-qualification was put in place to demonstrate our ability to afford the monthly payments. The trial period plan was satisfied onXX/XX/XXXX when the payment of {$1900.00} was made to USBank via XXXX XXXX Speed Pay drafting service, confirmation XXXX. According to the terms outlined, we were instructed to continue remitting payment each month following the final trial period payment until we received notification that the modification had been completed and finalized. We received a letter dated XX/XX/XXXX stating that we had previously been approved for unemployment forbearance that was no longer active on our account. The letter stated that the program had been terminated either because the duration of the forbearance had passed or because USBank had been informed that the employment status of the unemployed person had changed. Firstly, the terms and conditions outlined in our agreement was not an unemployment forbearance but a Government HAMP acceptance, and the terms and conditions for the trial period stated that if the conditions warranting the program remained at its completion then a permanent modification agreement would be provided. Secondly, the conditions being the permanent XXXX and unemployed status of XXXX XXXX does still exist and thus warrant a permanent modification agreement be provided to us for review and acceptance. All original documentation received and executed by us support approval for the Government HAMP and the loss mitigation review determination summary identified that we were not approved for unemployment forbearance because the borrower XXXX XXXX was receiving continuous income. Formal forbearance was not approved due to insufficient income to support a repayment plan. Standard modification was not approved due to insufficient income to support modified payment amount. The Government HAMP was approved and no other determinations were reviewed. This is the process as outlined in this determination document, and as stated we have never been presented with any legally executed documentation exposing us to a employment forbearance program. We were told on XX/XX/XXXX by a USBank representative that a trial payment period for a HAMP modification is normally 3 months and that the 12 month period was unconventional. Us satisfying a 12 month trial period is going above and beyond 4 times what is required and thus demonstrates our ability to afford the monthly payment as addressed as the reason for the trial plan in the terms and conditions from the package dated XX/XX/XXXX. The letter received from USBank dated XX/XX/XXXX referencing unemployment forbearance completion is the first documentation we have received referencing any mention of our enrollment in such a program and is supported by no documentation to suggest that an unemployment forbearance had ever been entered. We expect for USBank to honor the agreement as outlined in the package dated XX/XX/XXXX which was accepted with our remittance of check # XXXX sent on XX/XX/XXXX. | ||||||
| 06/13/2023 | Yes |
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| Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding an unnecessary hold that has been placed on my funds in my account with US Bank since last 2 Months, I believe that this hold is unjustified and has caused me significant inconvenience and financial hardship. On XXXX XXXX XXXX, I made a deposit of USD XXXX into my account number XXXX. According to your bank 's policy, funds from deposits should be made available to customers within a certain period, typically a few business days. However, I was informed that a hold was placed on the funds, preventing me from accessing my own money. I have contacted your customer service representatives several times to inquire about the reason for this hold, but I have received conflicting information and no satisfactory resolution even on customer support phone and branch phone as well as no responses on Email. I understand that banks may implement holds under certain circumstances, such as suspicious activity or checks from unverified sources. However, none of these situations apply to my deposit, and the lack of clear communication from your bank has added to my frustration. Encl - 1 No Email Responses from any of the Authorities of US Bank Copy of Email Send Attached. Encl -2 Details of Call Done ( XXXX ) The unnecessary hold on my funds has caused me severe financial difficulties. I had anticipated having access to those funds for important expenses, such as paying bills and meeting other financial obligations, to process my payroll etc. As a result of this hold, I have incurred late fees and penalties and a loss of around USD 50,000 which could have been easily avoided if the funds were made available as expected. I have made the complaint for the same and after making the complaint I have been informed that the same account has been closed by the bank and on recently when we made the complaint with you, US bank have just sent us a Cheque of USD XXXX dated XX/XX/2023 and which was received by us a couple of day back. In the complain I kindly request that you immediately release the hold on my funds and provide a reasonable explanation for this inconvenience. On demanding the explanation from them they said that they did not receive any kind of email from our side ( below are the attached screenshot as a proof we have mailed them Encl -3 ) They give us two options in the Letter dated XX/XX/XXXX ( Encl -4 ) in response of the complaint. In the Response they gave us XXXX options XXXX. Talk to the branch manager to release the funds : when I talk to them the branch manager XXXX, She doesn't have any update on the those funds on XX/XX/XXXX ( here are the screenshot of the communication Encl -5 ) As This shows their Clear misrepresentation, manipulation and unnecessarily holding of funds since last 60 days which leads unnecessarily harassment of a customer. XXXX. We tell our Originated Financial Institution to recall the Transaction. : when I talk to the financial institution, they said that account from which we have to recall or debit is already closed account confirmed by the US Bank Authorities? How can we recall the funds after 60 days? We would like to Request XXXX. The money hold by US Bank Shall be Refunded back to Originated Financial Institution without other financial institution recalling the same or without any other Further Communication. XXXX. For Misrepresentation / Material Misstatement, Harassment as well as the Losses incurred because of Not Updating Correct Manner we would like to claim additional compensation of XXXX I believe in resolving disputes through amicable means. I have attached copies of relevant documents, including deposit receipts and any correspondence I have had with your bank. Please review the matter urgently and inform me of the actions you will be taking to address this complaint. I expect a response within reasonable time frame from the date of this letter. Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify the situation and restore my faith in your bank 's commitment to customer service. | ||||||
| 11/29/2022 | Yes |
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| I have attempted to dispute a charge and have my funds returned to me, with US Bank since XX/XX/XXXX without any success for the amount of {$1000.00} charged to my credit card account on XX/XX/XXXX. The charge was made under false pretenses. I purchased an airline ticket for a specific return flight departure time. The flight I selected was {$370.00} more expensive than the other time option. Upon completion of the purchase, I received an email confirmation for the flight. Then within 23 minutes, I received an email stating that they changed the return flight departure time. The time they changed it to was for the flight that was advertised on their site for over {$370.00} less. I immediately tried to reach the merchant to cancel. I would not have completed this purchase if I had known they were selling me an airline ticket for a time that did not exist. The merchant used Bait and switch advertising in order for me to complete the purchase, which is grounds for an action of common-law fraud, unjust enrichment, and sometimes breach of contract. A bait and switch is also a violation of the Consumer Fraud and Deceptive Business Practices Act. The change in time was a significant delay since I was traveling approx. XXXX hours away from the airport and due to pre-scheduled events. I immediately attempted to contact the seller via e-mail, live chat ( website ) and via phone. After XXXX times of unsuccessful attempts to contact the seller using all available methods, I decided to file a dispute with US Bank XXXX On XX/XX/XXXX, I contacted US Bank via phone and filed the dispute. I advised their representative that I had just purchased a new airline ticket through a different merchant because I felt like my original transaction was fraud and that I was unable to contact the merchant at all. I was advised I would be credited the transaction amount within XXXX hours. I was then advised I would receive a letter via XXXX if any additional information would be needed. I received the temporary credit the next day, but I did not receive that letter. I waited a few weeks for the letter to arrive. It never arrived. The only communication I received from US Bank was a letter that I received via XXXX on XX/XX/XXXX, which was dated XX/XX/XXXX, the same day as the dispute. This letter stated that I did not submit additional requested information. On XX/XX/XXXX, US Bank then reversed the temporary credit, and debited my account. On XX/XX/XXXX, I contacted US Bank, via phone, and was advised that alot of people dont receive our letters because of XXXX being slow. I was advised that the dispute would be reopened, and that I would receive a letter via XXXX requesting additional information. I was also advised I would receive another temporary credit within XXXX hours. Once again, I never received any communication from US Bank requesting additional information. The only letter I received is dated XX/XX/XXXX, explaining that the investigation was already closed. I did not receive the credit. I sent a letter via XXXX on XX/XX/XXXX outling my dispute and proof of dispute ( XXXX pages ) and issues I have had with US Bank thus far regarding their lack of regard for my dispute. I did not receive any response. I then sent it again via XXXX on XX/XX/XXXX and was received by them on XX/XX/XXXX. I then called US Bank again on XX/XX/XXXX and was told that my dispute and file has not been looked at, and that maybe the employee asigned was no longer with the company. I was then advised I would receive a call from a dispute manager within XXXX hours. I never received a phone call. I then called back on XX/XX/XXXX and was advised that my dispute will be re-opened and I would receive a call back. As of today, XX/XX/XXXX, I have not received any communications from US Bank. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, to receive an accurate statement, and for this dispute to be reopened and fully investigated as per the FCBA. I have not been given a fair and due process for disputing this transaction. Please correct the error on my account promptly. | ||||||
| 03/28/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I purchased 10 general-purpose {$100.00} XXXX gift cards from XXXX XXXX. When I got home I took photographs of the backs of XXXX of the packages for my records. I did not take a photo of the XXXX because I didn't realize until much later that I had two photographs of one of the cards. I have a copy of the original receipt and the activation status receipt from XXXX XXXX. The back of the card package has the verbiage : " In case of loss or theft of your card, keep your purchase receipt or provide to gift card recipient ''. No where does it say that you must open the package and register using the 16 digit card number from the front of the card to obtain loss/theft protection. On XX/XX/XXXX, I gave all ten cards to my brother-in-law to assist him in driving from Colorado back to his home in Florida. On the morning of XX/XX/XXXX, he called us to let us know he lost the cards. He stated that eight of the cards when unopened/unused, one was partially used, and XXXX was completely used. I went to the US Bank website www.prepaidgiftbalance.com address provided on the back of the card package to report the loss. Their website required the 16 digit XXXX XXXX numbers to start the reporting process. I did not have this information because it is not visible unless the package was opened. The website did have a customer service number ( XXXX ) that I called. I talked to XXXX and she asked that I fax them documents asking for a loss replacement, copies of the receipts, a government ID, and my contact information. In addition to this information, I also provided the unique 30 digit card IDs visible through the package. I did fax this at XXXX am ( XXXX ). XXXX indicated that they should issue replacements in 7-10 days. I faxed this information to XXXX. After not being contacted in any manner by US Bank or receiving replacements, I made the same request a second time on XX/XX/XXXX. This second request indicated that I had already contacted them and had not heard a response. In this request, in addition to the original attachments, I also attached copies of the backs of nine cards showing the 30 digit ids. The US Gift card cardholder agreement states " It can take up to 120 days to investigate ad resolve your claim. I waited the 120+ days and have not been contacted by US bank by phone, email, or by US mail. On XX/XX/XXXX, I made an appointment at the US Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I met with XXXX XXXX at XXXX to review my issue and what I have done to date. At that time we contacted the customer service number listed above in a conference call. The call center agent asked that I fax the information in one more time and also include a copy of a bill proving my address. The bill proving my address was the same address I had provided as part of my contact information but is different from my Colorado State ID. We explained to the call center agent that in the state of Colorado, they do not issue replacement ID cards when you move. The call center agent asked that give them two days to start the replacement process and to contact them again. I faxed all the original documents previously provided and a copy of a bill at XXXX pm the same day. On XX/XX/XXXX, at XXXX, I contacted the customer service number to inquire about the status of my request. I talked to XXXX XXXX ( sp? ) and gave her the background of my requests. She was not able to look up the information using the 16 digit XXXX XXXX numbers which I did not have. She was also not able to look up my request using the 30 digit IDs I did have. She did try to look up the request by my name and address and was unable to locate any information. She then transferred me to XXXX who is a senior representative. She also offered to look up my request using the same contact information and I explained that XXXX had already tried that. She recommended that I go back to where I purchased the cards to get the 16 digit card numbers. As the 16 digit card information is not visible through the packaging or on the receipts, I feel at this point US Bank has been provided sufficient information and time to replace my lost cards. | ||||||
| 03/13/2019 | Yes |
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| complaint against US BANK - XXXX XXXX XXXX - XXXX MN, XXXX XXXX XXXX & XXXX XXXX FORECLOSURE FRAUD CASE - ILLEGAL TRANSFERS OF PROPERTY Estate case -- 2Civil Case - 2 Probate - 2Bankruptcy Case - 2Court of Appeals Case - related to this property COMPLAINT US BANK along with XXXX XXXX and XXXX XXXX and US Banks attorneys ' XXXX XXXX in XXXX, Washington have 1. worked to defraud the Estate of the deceased XXXX XXXX , Date of death is XX/XX/XXXX - nearly 7 yrs ago 2. Has wrongfully obtained a default judgment after death claiming US Bank as the legal Promissory Note and Deed of Trust owner ; a did this using fraudulent documents ; and by failing to publish notice or provide ANY notice to any known or unknown heir. 3. There are 8 cases are involved - 2 civil, 2 probate, 2 bankruptcy, 2 court of appeals, and now a supreme court filing for discretionary review RAP 13.5 ( a ) must be filed by this Friday deadline on XX/XX/XXXX ( a ) XXXX County Superior Court of Washington State - Case # 's XXXX ; XXXX, XXXX ( b XXXX XXXX County Superior Court of Washington Case # XXXX ( c ) Court of Appeals - XXXX District XXXX. XXXX & ( d ) bankruptcy XXXX XXXX XXXX XXXX XXXX Washington 4. Discovery in court files include robo-signed documents benefitting US Bank 5. XXXX XXXX names the deceased as grantor 266 days after death to wrongfully transfer the DEED of Trust to US Bank - ( a ) This act violates Human Remains Laws using the deceased after death, ( b ) identity theft law signing on behalf of the deceased after death without legal authority, the Deed of Trust ACT - DTA for failing to use XXXX XXXX XXXX the actual named legal Trustee with Irrevocable trust named in the deed of Trust. 6.XXXX XXXX is named in the Notice of Default as legal Promissory Note holder just prior to death. 7. Loan was insured FHA - default payments were made to the actual lean holder XXXX XXXX and US bank is making fraudulent claim against the estate for the back payments in claimed in the default judgment - when XXXX XXXX would have surely paid these payments under contract and insured to cover default payments ... 8. US Bank is simply Loan Servicing Provider - attorney XXXX XXXX, XXXX XXXX XXXX even stated this in phone conversation ( surely taped and possibly now deleted ) today XX/XX/XXXX 8. NOTICE of default was NOT recorded by US bank or their many agency 's attorneys. 9. Notice of Default was prepared by US Bank and mentions XXXX XXXX and NOT XXXX XXXX XXXX the actual Trustee. 10. XXXX XXXX was shutdown and forced out of business by the US Dept. of Justice for Foreclosure Fraud. 11. US Bank wrongfully attached 4th page to Promissory note after death making them lienholder ( Robo Signed Document ) 12. XXXX XXXX violated Deed of Trust Act - XXXX is NOT the Trustee but only a beneficiary named in Deed. 13. XXXX XXXX issued assignment of Deed of Trust 266 days naming the deceased as the grantor - 266 days after death ; this act violates the Deed of Trust Act and clouds the Property Chain of Title. IS not Trustee no legal right to do this 14. US Bank seized estate property 55 days after death when default payments would have been paid by FHA XXXX XXXX as deceased was terminally ill with a known shortened life span and- XXXX XXXX in these cases cuts mitigation costs and will not purse such cases. Insurance is for coverage is for default payments covering the lender - global Mortgage was paid -- US Banks claims are fictitious 15. US Bank has refused to release loan supporting documents to the legal Estate Successor Personal Representative to support their claims and default judgment amounts. 16. US Bank and their Attorneys have refused to work directly with the Heir of the Estate as legal titled property owner and has forced this Heir into bankruptcy twice to protect the legal interest of the Heir and the home from being sold at auction - when the Heir has been willing to reinstate the loan at the amount owing at the time of death 17. US Bank caused damages to the property that offset the amount of the loan owing at the time of death 17. US Bank and their attorney 's are committing fraud and of course doing it with eyes wide open | ||||||
| 09/05/2019 | Yes |
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| I went into us bank to open a savings account XX/XX/2019. The bank is familiar with my face due to me having a safety deposit box. After I deposited my money order the clerk whom I was directed to for finishing up asked me where did I get my money order from and she has never seen any money orders with the amount that I deposited. I immediately felt where she wanted to fake the conversation I told her I got the money order from a check cashing place and had a few of them. She asked me did I want go withdrawal the 2 or 300 dollars that was available immediately for use while my check processed for clearance. I declined because I did not need it at the moment. We ended our conversation with her telling me that my bank card would arrive in the mail between 3 or 5 business days. exactly one week later after opening my account I went to withdrawal the 2 or 300 dollars that I was told was available to me for a bill. While in the drive thru of the bank I had communicated with a teller and given her my bank slip. As more people arrived they were serviced while I continued to wait and blow my horn and did not get an response until after three or five minutes. I was told that I could not withdraw any funds until my check cleared which would be the next day. When I asked about my 2 or 300 dollars that was available for me to take the first day I deposited the money the lady and man told me that someone lied to me. And that I would not be able to take any money out. I came inside and asked to speak with a manager there were two of them sitting at the desk. They told me the same thing and i asked to close my account and for my money back they told me I could not do anything until tomorrow. I wanted to cry. I knew that they were lying and were treating me like a criminal. I am not sure if it was the color of my skin or my age or the way I look as an individual but the way I was treated and made feel no one should ever go through that. Since the day I have opened the account I have been checking my mail daily for my bank card which has not arrived yet. When I called the eight hundred number I spoke with a representative who confirmed that the 2 or 300 hundred dollars should have been released to me even before the check cleared and that my bank card was never ordered. I was discriminated against and treated unfairly, differently and lied to. I am a customer and I did not feel like one. Since this has happened I felt that something was not right and I was not able to let it go. It was not fair. I am so angry about this and I do not know what should and can be done to make things better but I do know I was not treated fairly.Went into the bank on XX/XX/2019 to speak with the branch manager because I was not sure if you received my first complaint. My husband and I sat down and talked to him about the incident that occurred and how we felt. We let him know we were discriminated and stereotyped. He agreed. Not only did he agree he apologized and mentioned money laundering and how cautious they have to be. No matter how many examples he gave for the reason why I was treated the way I was we still came back to my main topic of discrimination and stereotype. I know that there are many people who do fraudulent activities and I am not one. But if there was a suspicion my money that was available to me should not have been held nor my card should not have been shipped AFTER my check cleared. I should not felt that they had a suspicion that should have been done and handled behind business doors. I am a client. I should have been treated like any other banker whom goes inside a bank to deposit any type of money. I could not sleep nor understand why I was treated as such. I was promised for my card to be rushed shipped to me at no charge and would receive it in 2 or 3 days. I got an email saying 7 to 10 business days. I am still being treated like what happened was not big nor did my words matter. Whenever I come into that bank I am forced to wait over fifteen minutes to get into my safety deposit box while others come in and get right out and I have been waiting longer than them. It is not right and something should be done. | ||||||
| 02/16/2023 | Yes |
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| I am attempting to collect a debt owed to me by US Bank Reliacard, or US Bank National Association. The bank has defrauded me out of {$2900.00} This fraud has now occured 58 times when I have attempted to collect. This is what has happened : I received a statement from US Bank Card Member Services in XX/XX/22. I noticed there were fradulent ATM withdrawals and filed a written dispute to Card Member Services XXXX XXXX XXXX, XXXX, ND XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Wednesday, XX/XX/22. I requested a provisional credit. I had not received a response in 3 weeks. I mailed another 2 copies of my dispute on XX/XX/22. I received a letter dated XX/XX/22 from the Prepaid Dispute Resolution team that said, " we have conluded no error occurred and this matter is considered closed. '' " You may request a copy of the documents we used in determining the final outcome of the investigation. '' When I received my monthly statement after requesting the evidence, I was provided 2 different sets of monthly statements, showing 2 different balances, 2 different card ID numbers and 2 different card numbers, both sets for the months of XXXX, XXXX, and XXXX. One XXXX statement shows a beginning balance of {$4000.00} and an ending balance of {$15.00} with card ending in XXXX. I also have an XXXX statement with a beginning balance of XXXX $ and an ending balance of XXXX $ with a card number ending in XXXX. There was no evidence provided by US Bank against my claim. In my dispute I submitted evidence of my location with exact times and days in question. I have a sworn affidavit signed by my employer that indicates I was working. Throughout these 58 disputes filed US Bank only provided the same 3 months statements. I met with a branch manager who said they could not locate my account in their system even after I provided my personal information, likely because Reliacard deleted my account on XX/XX/22. I contacted the Kansas Department of Labor. I was told that my payroll card was insured and KDOL was not responsible. KDOL said that US Bank Reliacard was liable. The monthly statements used by the bank are important for the following reasons. The letter I received on XX/XX/22 states, " Each investigation consisted of a review of all the information provided in my claim, my account transaction history, location, and pattern of use. '' If the investigation contained information I provided in my claim than they were aware that my physical location on the days of the fraudulent withdrawls put me in a different town. The GPS tracking history and the signed affidavit of my employer prove that. My transaction history does not support US Banks reasoning. My history and pattern regarding the credit union where the withdrawls occured, is non existent. The only use of the credit union where the fraudulent withdrawls occured, was when the fraud was being committed by the thief. At no other point do I have a history of using that credit union or location. US Bank can not derive a pattern of use at a location that has not been used before and does not establish grounds for a denial by US Bank. I was told that US Bank did not contact the credit union to inquire about any dispute. They made no requests for security or atm camera footage. There were 5 other ATM withdrawls made during this time period. These withdrawls were made by me and all occured in locations other than the credit union where the fraud was committed. The amount of fradulent ATM withdrawls occuring at the XXXX XXXX XXXX XXXX total {$2900.00}. With my statement from the KDOL, 58 disputes filed by me, one meeting with a branch manager, pages of accurate third party GPS tracking location of my whereabouts, a signed affidavit from an employer verifying my location, and having no history of use or pattern anytime at the location in question, prove that I did not make, benefit, authorize, or even know about these fraudulent withdrawls. I am owed {$2900.00} by US Bank Reliacard for these withdrawls as stated in my customer agreement which says " You are generally protected from all liability for unauthorized transactions with Zero Liability. '' | ||||||
| 01/23/2024 | Yes |
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| Hello, My name is XXXX XXXX XXXX, a XXXX XXXX and resident of XXXX, CA. On Tuesday XX/XX/2023 at around XXXXXXXX XXXX I applied for the XXXX XXXX Credit Card with the US Bank. Before applying, I checked my Approximate Credit Score/XXXX with XXXX XXXX , XXXX XXXX and XXXX and all of them showed that I have perfect odds of getting approved becuase of the following criteria : 1. My Approximate Credit Score is above XXXX which aligns with my approximate XXXX score above XXXX. 2. I do not have outstanding payments, I have no deffered payments or defaulted in any of my previous credit card payments with different credit card issuers. 3. I had not opened or applied for any Credit Card in last 12-24 Months. 4. I had zero Hard pull registered under may name in more than last 12 months. 5. My annual Salary is more than $ XXXX and I do not carry balances on any of my credit cards, I have more than 8 credit cards with various card issuers. Despite having an excellent score, zero outstanding payments or defaults on any of the other credit cards that I have from different Credit Card Issuers, my application did not go through and went to a secondary verification. I immediately contacted the US Bank and explained my situation. The customer service transferred me to the Underwriting Department in US Bank and they verified my identity and information and my application data for correctness. They found no issue and thus they transferred me to the verification department within the US Bank. They verified my identity, and my information one more time and upon confirmation and verification of my information they transferred me to a verification department where they stated that there was a hold up on my application where they confirmed that they cleared upon verification of my information. I asked whether it was my credit worthiness, credit score, or my name or origin of birth that caused it and the XXXX confirmed that my credit score and other information related to my financials were fine and nothing was wrong about them. The confirmed that there was another issue and that they cleared it and it is good to be sent to Underwriting for processing and completion. It is worth mentioning that on every stage of the way from the beginning I explained that I need this credit card to make a time sensitive flight purchase, or I don't need it at all as I have more than enough Credit with other card issuers. My conversations and being on hold took almost 50 minutes, The verification department transfered me back to Underwriting Department where a lady from the underwriting that I talked to around XXXX ( XXXXXXXX XXXX ) reluctantly repeated the same information over and over again and said that I have to wait the application to be processed and it is clear if it is accepted or denied and I have to wait 7-10 business day to get the result. I believe this is a very unprofessional interaction with the customer and I strongly believe that I have been discriminated against because of my name and or my origin, because apparently there is no issue or hold up in regard to my financial record, my criminal record or anything to that matter to cause my application to be delayed. I am receiving between 2-5 Credit Card offers from different card issuers such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX every week. It shows that there is no way that this US Bank hold up and deferred application process is related to my financial or criminal record but simply a discrimination and profiling because of my identity, origin and name. Just for the record, to avoid receiving any generic response from you stating that the approval odds or my application may be impacted by my credit history, or requesting too many credit cards, etc, I have not had my credit score pulled ( soft or Hard ) for more than a year by any banking institution and have no default as I explained above. I believe this application process is profiling me and people like me for no financial related reason and it is simply a discrimination that the US bank imposed on my and many people like me. I am looking forward to hearing back from you. XXXX XXXX XXXX | ||||||
| 04/01/2023 | Yes |
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| Around XX/XX/2022 I had problems using my US BANK debit card and accessing my account and I didn't know why. A few days prior someone tried to scam me as a fake employer and deposited a fake check in my account for me to wire transfer elsewhere for office equipment. I made the bank aware of this and they weren't at all helpful and said once the check gets returned for fraud we'll investigate and withdraw the funds. At the same time I initiated a balance transfer of {$6000.00} on one of my credit cards in my girlfriends name that came to us in the form of paper check. She tried cashing it and was denied as she didn't have an account with US BANK so she gave up for the time being. I believe it was the very next day she went to a different branch to try again and the manager told her to sign it over to me since it was already on my account and I can cash it. That didn't make much sense to me but I did it and deposited it thru my app and remember that it kept giving me problems and I took it into a branch on a different day. Come to find out my account was frozen due to a fraud investigation and Since around XX/XX/2022 I still haven't had access to my account and they will not release my positive balance of aroudn {$2500.00} and I can't seem to get a reasonable explanation, I get the run-around almost every time and if I call I'm transferred multple times over . One of the first letters I got said that after 15 days they will be sending a check with my positive funds but that never happened. It's been 4 months and that one setback has totally ruined my family financially unfortunately. We haven't been able to pay our bills like normal and are currently behind on the mortgage 4 months and over {$6000.00} and facing foreclosure. They have no sympathy in the matter and don't seem at all interested in making things right and returning my hard earned money. They've already made it clear that there are no further charges on my account or fees/fines and that is a good standing positive balance but for some reason they cant give it to me. One phone operator told me to go into any branch and request the funds and i should be able to pick them up no problem, and when I tried I waited over an hour for them to tell me they need to look into it further and I left empty handed. It may seem like a small amount of money but it's the difference between my family being homeless or not in the very near future. We are absolutely devastated, terrified and angry that after almost 15 year banking with them they could just treat me like a piece of garbage. Apparently when I initiated the balance transfer it shouldn't have gone to a person but rather an institution and secondly I shouldn't have tried to cash it myself. I wasn't aware of that and they allowed it to happen anyway and we were instructed by management to do something fraudulent. It doesn't make any sense and if anyone should be investigated it should be that manager. Plus they're claiming that my girlfriend already cashed the check, then I tried cashing it too so that triggered the fraud on my account. It was absolutely at the direction of the branch manager at the US BANK on XXXX XXXX XXXX XXXXXXXX XXXX XXXX. And how do I still have the check if it was apparently cashed multiple times. So now I'm also being charged for the {$6000.00} on my credit card that we never received which doesn't make sense either. So my payment is {$900.00} past due and without access to my account and going into everything blind they claim the money was disbursed to my girlfriend even though it wasn't and I still have the check. Everything about how this turned out is very shady and I'm being punished because I tried writing a check to my girlfriend so we could pay off high interest credit cards with the {$6000.00} at no interest. That money was never made available to us in any way and I don't know why I'm being charged for it still if it was an incorrect " fraudulent '' check in the first place. I would never knowingly do something that wasn't above board or legal and was just trying to take care of my family and combine other credit card debts into a single payment. | ||||||
| 11/06/2017 | Yes |
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| US Bank Mastercard Gift Cards Hacked and Drained In XX/XX/XXXX, as indicated in receip ( see Attachment C ), I purchased a Variable Load MasterCard Gift Card, ( see Blister and plastic Att. A & B ) to do my online purchases. On XX/XX/XXXX at XXXX I registered it on XXXX and made a test of {$1.00} charge. It happens a few days later, between XX/XX/XXXX and XX/XX/XXXX a total of 19 unknow charges by {$480.00} was doing on XXXX that was not made by me nor was made from my XXXX account ( See Att D Card Activity ). This US Bank Mastercard Gift Cards sat in my safe deposit box for one year. Itook it out on XX/XX/XXXX, planningto use it up, and review the Card Activity, I am aware of drained {$48000.00} in 19 fraudulent use. It is clear that the charges were not made by a human, but by a robot, since they were made with a second difference for different amounts. I spent at XXXX the {$8.00} that still had on the Credit Card ( See Att D & E Card Activity & Balance ). They were never used, and were stored shortly after use in XXXX {$1.00} charge. That same day, I wrote an e-mail to XXXX Customer Service, but never I recive answered about my complaint ( See Att F ). I have tried insistently to call the customer service phone number of US Bank XXXX, but they do not respond, I have tried to write an e-mail to XX/XX/XXXX, attaching copies of the cards, along with the receipt, the card activityand a statement about the fraud be enough to recover the stolen money and they do not respond. Some people suggest me do is file a complaint here : http : //www.consumerfinance.gov/complaint/ # credit-card This is the CFPB, who does escalate these up to the banks involved and usually can help me, the consumer. The following attachment is an extract of the fraudulent Card Activity : 1 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$1700.00} 2 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$3600.00} 3 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$4500.00} 4 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$1700.00} 5 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$1100.00} 6 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$990.00} 7 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$3300.00} 8 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$260.00} 9 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$3200.00} 10 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$940.00} 11 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$3400.00} 12 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$1900.00} 13 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$4100.00} 14 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX Amount of unknown charge : {$1200.00} 15 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXXAmount of unknown charge : {$4000.00} 16 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$1100.00} 17 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$3600.00} 18 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$870.00} 19 Type of credit card : XXXX XXXX Date of unknown charge : XXXX/XXXX/XXXX XXXX XXXX. Amount of unknown charge : {$3200.00} | ||||||
| 06/03/2021 | Yes |
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Web | Older American |
| On the afternoon of XXXX XXXX, I was scammed by someone impersonating XXXX Computer. I opened my XXXX laptop to make an online order. On the screen was the message Security Alert that said it was from XXXX. It also said that leaving the page could damage my computer and it had a Help number to call. Not sure what was going on, I called the number and the person told me someone was trying to hack into my computer and my accounts. To fix this the woman said to type in the address bar teamviewer, which permitted her to see my screen and control the cursor. When I did that, she told me I needed to log into my bank account because someone was trying to get into my account. Once she gained access to my account, she activated the XXXX money transfer application, which only requires a cell number that she had from my call. She told me to write down the following information : her name and XXXX I.D . number, XXXX XXXX, XXXX, her extension number, XXXX ; the names XXXX XXXX and XXXX XXXX and an email, XXXX. While I was writing this information down, she activated the XXXX money transfer application and started taking money out of my account. As soon as this occurred, the bank logged me out of the account. She then told me she could connect me with the bank so I could log back in. When she connected me to the bank, the bank agent said they logged me out of the account because of this suspicious activity and asked me if I had received a call from XXXX, XXXX or anyone. I said no. The bank agent then asked me if I authorized any money transfers. I said no and and I do not use any type of money transfer system. I was immediately disconnected from the bank agent because the scammer was listening to our conversation. After this had taken place, I received two text messages from XXXX Refund Department thanking me for using XXXX Security and that the money would be refunded into my account within 24 hours. Seeing this, I knew I had been scammed. The scammer had control of the cursor and that phone conversation between me and the bank agent. Later that evening, I finally got to talk to a bank agent named XXXX about the situation. I told him what happened and followed his instructions to immediately file a fraud claim with the bank, change our account and credit card numbers, passwords, etc. I also gave the information to the local police, the FTC, and called XXXX for a fraud alert. Approximately two weeks later I received call from a bank agent from the main branch in XXXX, MO. The agent said she had some questions about what happened and I told her what happened and that I did not authorize any money transfers. The scammers did all that. On XX/XX/XXXX, I received two letters from the XXXX XXXX Digital Claim Services dated XX/XX/2021, that said During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. Then letter also said if I wanted copies of the documentation they used in their investigation or needed additional assistance to call XXXX, which I did. I asked the first agent I talked with to explain the phrase we determined the transaction posted as requested, because I did not make or request any money transfer but that the scammers did that. She merely reiterated that the claims had been denied and then said she needed to transfer me to someone else. This next agent said she was with the card department and said I needed the fraud department, which I thought I called the first time. I talked to this third agent about what happened and told her I thought it was wrong that I was denied because of how it happened. I indicated to her that I was going to file a complaint and asked for their investigation documentation, which she said she would send it out. That was twenty-five days ago and I have received nothing. I did not make, nor authorize, these transactions, but, the XXXX XXXX Digital Claim Services is blaming me for being scammed. And, they ignored my request for the documentation. The message said it was from XXXX and I have XXXX computers. So, I did not think too much of that. I was duped into believing it was XXXX. | ||||||
| 07/29/2020 | Yes |
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| US Bank : Thank you for your last response. Unfortunately I have more things to address. In reference to staying in contact with my branch manager regarding my situation, I think you may have missed my point in my previous message. XXXX XXXX, my branch manager, agreed to keep my personal accounts open because they have been open for a while and were in good standing with the bank. US Bank went over her head and decided to close them at a later date. The bank refused to send me a check with my funds sooner than 14 days due to a closure procedure they have to follow due to the type of fraud found on my account, according to XXXX. Despite her best efforts, she can not seem to help me. Therefore, calling her regarding my concerns only interrupts her day, wastes my time, and offers no solution. It really seems pointless to me, not to mention that nothing discussed is in writing to reference should we need to. Although I have not had online access to my personal accounts ( or business account ) for some time now and I am sure you have the exact date on record, I have been calling the bank regarding my transactions regularly. This process is definitely more frustrating than seeing my history with my own eyes online as I have to follow voice prompts and the picture I see is far more limiting than logging into my account online, but not once did the voice prompts inform me of unusual activity and I did not see unusual activity prior to me being blocked from my online access. So, regarding the 'Security ' section in 'Your Deposit Account Agreement ' which specifically highlights that you reserve the right to place a hold on my account if you suspect irregular, fraudulent, unlawful or other unauthorized activity involved with my account, I am wondering which of these occurred on my personal accounts? Furthermore, your agreement says that you reserve the right, but there is no breakdown of how the process works or how long it takes. This has caused major inconveniences and stress in my life. I never and still have not received any mail from US Bank regarding my account closures. It seems like a phone call or email would inform me quicker and cause less catastrophe in my daily operations. I do not understand, with it being XX/XX/XXXX, why you could not keep the hold on my account and then contact me with the option to transfer my available funds to another account with another financial institution to avoid putting me in what could very well be a moneyless state for 14 days minimum. It takes money to live. Regarding the monitored calls for my XXXX account, you addressed the wrong one in your last message, but it is good to know you do have them on file to reference. Perhaps I was unclear, but I was referencing two attachments I sent in a previous message named 'US Bank Fraud Check ' and 'US Bank Fraud Check Detail ' . As the screenshot of my phone log indicates, I made a call to US Bank on XX/XX/2020 at XXXX for 26 minutes to discuss the source of the funds from the wire transfer before sending the money out of my account per a contract. You could have had a XXXX risk account had you instructed me properly on what to do that day. That is why the call was made- To act in accordance to maintain a relationship with the bank so that neither you nor I was loosing money or participating in unlawful behavior. What prompted me to contact the bank for a security check was that the name of the company the money was coming from was not the same company associated with the contract. However, sponsorships were a possibility and likely for the type of event associated with the contract. I could not fully read the funding source name in my account because it was cut off. Lastly, since all accounts are being closed and it has all been said and done at this point, I am wondering if you will ever report this to affect my credit or possible future banking relationships since you stated you have not already. Am I able to open new accounts with US Bank, perhaps after the pandemic is over as scams and crime has increased with it. Waiting til after the pandemic would lower risk. Thank you, XXXX XXXX | ||||||
| 08/29/2023 | Yes |
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| Heres a letter to CEO Hello XXXX XXXX, Im sorry, I understand that USBank and USBank realia card are separate, but I have done everything possible. Including filing two CFPB Complaints against realia card and one CFPB complaint against USBank. I had originally filed a dispute in XXXX for {$250.00}. You folks issued provisional credits on XXXX. Unfortunately I was laid off again in XXXX, it took almost a month to get my unemployment set up. However, when I was awarded the funds from the previous three weeks you folks had taken the {$250.00} back that you had originally awarded me. Heres the crazy piece, between XX/XX/XXXX the day the credits were issued until XX/XX/XXXX when I received my latest unemployment claim I was never made aware that your team had decided that I shoukd not have been awarded the {$250.00}. I was told you folks had 90 from the time the claim was filed to investigate. I knew it was fraud and so I assumed everything had been worked out. Since I hadnt received any emails, or letters letting me know anything differently. Now lets spring forward to XXXX. My unemployment funds are deposited into my account, however, my card doesnt work. When Im finally able to get it working you folks subtract {$250.00} from my balance. Apparently on XX/XX/XXXX, someone had made the decision the remove the provisional credits without ever making me aware. Otherwise I would have tackled this back in XXXX. Unfortunately with me never being made aware it made it very difficult to know this was done by USBank. I now have a new job, I had enough gas to get to work everyday this week until today. I just dont have the gas until you place the money back in my account. Ive tried everything, Ive requested calls from the dispute team, Ive filed the CFPB complaints but XXXX cant get anyone to help me. I finally get a new job, a job that could possibly change my future, but I cant get to work, even though I love it and totally want to be at work. I had investigated that original fraud, someone had opened an online casino account at this XXXX XXXX XXXX called XXXXXXXX XXXX XXXX XXXX XXXX screenshot I found online pasted below ). It wasnt me, I also researched and found out online casinos are illegal in the state of Ohio. Therefore I have no idea how you folks ever even approved these fraudulent transactions to take place. Ive requested this be escalated on XXXX, however, nothing was done. You folks know how upset this has made me, because you had requested two deputy sheriffs to perform a wellness check on me. I told them I understood why I believe people would kill themselves. This has tested me to the max. I have nothing else to do but file additional CFPB complaints, hopping they will get involved and help me get my {$250.00} back, so I can get to work, without losing my job. Please help me. This is life and death for me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Sincerely XXXX XXXX Part 2 Hello, So I asked for a copy of the letter that was supposedly sent to me back in XXXX. Which I finally received, heres where things get fraudulent on your side. # 1. The amount indicated next to the amount of the dispute is missing. # 2. Heres the mic drop. The reference number on the letter you supposedly sent to me on XX/XX/XXXX, matched the reference number pertaining to the rebuttal claim #. That number is XXXX. The case id for my original claim is XXXX. I attached screenshots below. How could the letter you sent me in XXXX match a reference number that wasnt even created until five months later? Its simple, this is a clear example of fraud committed by USBank. A clear attempt to cover up a mistake you folks made, by never advising a client that the provisional credits would be charged back. Also I was charged back on XX/XX/XXXX, your fake letter stated I wouldnt be changed back until XX/XX/XXXX. I will give you folks one last opportunity to fix this and credit the {$250.00} back to my card before I share this information with the CFPB. Again, you can clearly see the original case ID #. XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/23/2021 | Yes |
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Web | Older American |
| On XX/XX/2021 I called your Customer Service, spoke to XXXX and requested that the Home Equity Line of Credit be closed and written confirmation be sent to me about the credit line being closed.. I was told there was a lengthy procedure and it would take 10 Business Days ( unacceptable ). I needed to refinance and this Home equity line needed to be closed and I had to submit the closure letter to my Mortgage Company to refinance my mortgage. On XX/XX/2021 I received a Letter from US Bank. To my surprise it said " This letter is to confirm receipt of Pay funds '' ( grossly incompetent ) .. There was no letter confirming that the account was closed. What payoff funds? There was no balance! So I called again on XX/XX/2021 and spoke to XXXX at XXXX XXXX.. After spending a lot of time with her she agreed to send a letter of closure to the Mortgage company where I am refinancing my Loan. I would not be getting a copy of the account closing Letter. If I selected the option of receiving the Closure Letter it would take 7 business days ( unacceptable ). ( The Letter has not been received by my Mortgage company as of writing XX/XX/2021 ) I requested the letter be sent to me by overnight mail. She refused. So now there is no closure Letter, I have no way of knowing that US Bank sent a home equity closure Letter to my Mortgage Company. My refinancing will possibly expire since it can not remain open forever and US Bank keeps XXXX XXXX around. Sent a Email on XX/XX/2021 to XXXX XXXX President/Chairman of US Bank Mr. XXXX XXXX : Hope all is well with you and US Bank. On XX/XX/2021 I called your Customer Service, spoke to XXXX and requested that the Home Equity Line of Credit be closed and written confirmation be sent to me about the credit line being closed.. I was told there was a lengthy procedure and it would take 10 Business Days ( unacceptable ). I needed to refinance and this Home equity line needed to be closed and I had to submit the closure letter to my Mortgage Company to refinance my mortgage. On XX/XX/2021 I received a XXXX from US Bank. To my surprise it said " This letter is to confirm receipt of Pay funds '' ( grossly incompetent ) .. There was no letter confirming that the account was closed. What payoff funds? There was no balance! So I called again on XX/XX/2021 and spoke to XXXX at XXXX XXXX.. After spending a lot of time with her she agreed to send a letter of closure to the Mortgage company where I am refinancing my Loan. I would not be getting a copy of the account closing Letter. If I selected the option of receiving the Closure Letter it would take 7 business days ( unacceptable ). I requested the letter be sent to me by overnight mail. She refused. So now there is no closure Letter, I have no way of knowing that US Bank sent a home equity closure Letter to my Mortgage Company. My refinancing will possibly expire since it can not remain open forever and US Bank keeps XXXX XXXX around. Regards. Received a response from US Bank on XX/XX/2021 Thank you for your email to the chairman, president and CEO of U.S. Bancorp, XXXX XXXX. I appreciate the opportunity to acknowledge receipt of your message on behalf of Mr. XXXX and our executive offices. We regret to learn of the concerns described in your message and appreciate the time you have taken to reach out to us. Upon receiving your email, we requested that your communication be reviewed by those who are in the best position to respond directly to you about this matter. As we have a formal process for researching concerns, we expect that youll receive a telephone call or a written response will be sent as soon as we have completed a review of the information youve shared. We understand the importance of addressing your concerns in a timely manner ; therefore, we will strive to expedite a response and we appreciate your patience while this matter is in review. Sincerely, As of XX/XX/2021 XXXX XXXX there is no communication from US Bank or their Customer Service. My mortgage Banker has not received the Home Equity line of credit closure Letter and neither have I received the Letter. | ||||||
| 11/25/2021 | Yes |
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| I opened my mortgage account on XX/XX/XXXX with Leader Bank, and the account was sold and transferred to US Bank shortly thereafter. I received an Annual Escrow Account Disclosure Statement in late XXXX which showed an escrow balance shortage of {$2000.00} resulting in a significant increase of monthly mortgage payments of about {$200.00} per month commencing XX/XX/XXXX. After conducting a careful accounting investigation beginning from the closing disclosure and proceeding to the monthly payments and disbursements to the city of XXXX MA, I am confident there are many errors in the current escrow balance as well as the projection for 2022. I have contacted US Bank customer service numerous times, beginning on XX/XX/XXXX ( phone statement provided in XXXX ), and have spent a cumulative of over XXXX hours on the phone with their customer service, tax, and insurance departments. They have opened numerous investigations which have yielded no result and provided me with explanation letters from other customers that did not include the breakdown as promised ( XXXX pages received in the mail can be seen in XXXX ). There are XXXX main errors with the current escrow account history ( XXXX ) leading to the {$2000.00} shortage issue, below are the issues in order of importance : XXXX. Tax miscalculation : This calculation presents XXXX distinct scenarios. ( a ) the scenario it is supposed to be had US Bank not overpaid taxes ; ( b ) current scenario including the overpayment reported by the XXXX of XXXX MA. ( c ) scenario US Bank insists is the correct accounting. A detailed calculation with references to supporting evidence is presented in XXXX ( with a PDF equivalent XXXX ) XXXX. Incorrect beginning balance : It can be clearly seen from the closing disclosure ( XXXX ) that the beginning amount prior to any disbursements are {$1100.00} ( a detailed calculation of this can be found at top of XXXX ) and not a deficit of - {$1300.00} as stated in XXXX. XXXX. XXXX XXXX charges : XXXX XXXX of XXXX in Massachusetts does not charge property taxes. Property taxes are collected only by municipalities ( city taxes ). XXXX. XXXX XXXX : On page XXXX of escrow account history ( XXXX ) I am being charged {$220.00} hazard insurance even though my insurance is not on escrow. I said multiple times that I pay for walls-in coverage through condo fees. You may find proof of insurance in the attached document XXXX Although all attachments follow the narrative and are referenced above, below youll find a detailed description and source information for each of the documents. Attachment XXXX : Cellphone call logs obtained from the XXXX XXXX XXXX website. Numbers displayed in this document are for calls in an attempt to resolve this issue with both US Bank and originating bank Leader Bank. Attachment XXXX : These are scanned letters from US Bank received in the mail as a response to the multiple ongoing investigations. This letter references an Enclosed copy of the Customer Account Activity Statement, but the envelope contained other customer letters instead. Attachment XXXX : Annual Escrow Account Disclosure statement provided by US Bank via mail and through the website ( the attached document was downloaded on the website ). This document shows Attachment XXXX : Accounting with references of the XXXX different scenarios : ( a ) what it is supposed to be ; ( b ) what it is; and ( c ) what US Bank says it is. Attachment XXXX : Closing disclosure obtained from notarized closing documents. Attachment XXXX : XXXX XXXX bill obtained from the city of XXXX MA website for the parcel of interest. Attachment XXXX : Screenshot of transaction history ( the most official document provided by XXXX ) for the property. This screenshot was provided by XXXX XXXX ( XXXX, XXXX ) the Principal Account Clerk from the City of XXXX XXXX XXXX XXXX XXXX XXXX Attachment XXXX : Proof of insurance provided by the XXXX XXXX and presented at closing. Closing docs also reflect that there is no XXXX Mortgage XXXX and no hazardous insurance shall not be held in escrow nor is the property located in a flood zone. | ||||||
| 04/03/2018 | Yes |
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Web | Servicemember |
| I am pre-emptively submitting this because I have serious doubts about US Bank 's sincerity about and interest in enforcing and honoring my rights as a cardholder under the Fair Credit Billing Act against this admitted fraudulent merchant XXXX XXXX onXX/XX/XXXX ( see below ) : This is regarding a rental that was originally booked for XX/XX/XXXXtoXX/XX/XXXX for {$280.00} but due to it being towed for being " stolen '', I lost access to the vehicle on XX/XX/XXXX. I immediately called XXXX XXXX XXXX to rectify the situation and the customer service agent told me someone would be dispatched to pick up the car but said I could pick it up by presenting my rental agreement to the towing lot. Regardless she said I wouldn't be charged anything extra from XXXX ( I asked her to record all this in the notes of the account ). I immediately went to the tow lot where they refused to let me access the vehicle nor even access my belongs despite having the rental agreement and a valid license. I called XXXX the following day ( XX/XX/XXXX ) and asked for power of attorney because the vehicle still hadn't been picked up but they refused. They also refused to call the towing location to resolve this. At that point I feared I was being charged a daily storage rate and probably XXXX 's rate ( even though I was told otherwise ) because XXXX had a perverse incentive to not pickup in a reasonable timeframe like their 24 hour pickup service or normal roadside service so they could charge me more. I was told to call the return location ( XXXX XXXX Airport ) which I did but all those numbers return to the national number so I called again and was told I would have to wait until Monday XX/XX/XXXX to talk to someone there in person so I deliberately extended my trip until Monday to do this. I arrived there on XX/XX/XXXX around XXXX XXXX to speak with the manager on duty. She told me the pickup was scheduled on Thursday but would call to try to have it expedited and also that due to the situation, all the extra days would be " rolled back '' on my invoice and thus I wouldn't be charged. During all of this, I was having discussions with XXXX XXXX team where they assured that they would investigate and get back to me and that its been escalated to both managers at the location I picked the car up at ( XXXX Airport ) and XXXX XXXX Airport. On XX/XX/XXXX, I finally got an invoice and it was for this ridiculous amount including the full 9 days not " rolled back '' as I was told and for a {$1200.00} towing charge not explained at all. Upon immediately calling XXXX, I found out that there was a clear overcharge of at least {$210.00} because the car had been returned actually 3 days earlier. The customer service agent also opened a case to investigate and that a local manager could write an e-form to have the other days refunded. When I asked for an itemized towing bill so I could validate the charges and for insurance purposes ( towing companies often add illegal charges and XXXX has no incentive to have them corrected ), I was refused ( I also asked this on XXXX with no response ). Not only has the {$210.00} ripoff and overcharge they confirmed and the other days I was promised not been refunded along with the towing charges explained, I have gotten no contact from XXXX despite all the promises on XXXX and " cases '' opened. I will fight this dispute and sue XXXX in small claims court unless these rental charges are rolled back to 6 days ( when XXXX removed access to the vehicle - I was promised at least 5 days by 2 agents ), XXXX proves that they couldn't pick up the vehicle in a timely fashion ( 24 hours ) which is routinely done as a complimentary service and for regular roadside assistance or pays for the extra 6 storage days charged by the towing company and XXXX provides the receipt from the towing company detailing the charges and accepts liability for any illegal or inflated charges they failed to challenge. I have never dealt with a more dishonest travel company where I was lied to and ignored every time, especially as someone with the highest status of President 's Circle. | ||||||
| 11/10/2020 | Yes |
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| I BELIEVE THIS SITUATION VIOLATES THE LAW AND MY RIGHTS AS A CONSUMER IN BANKING! WARNING : POSSIBLE UDAP! UDAP! UDAP! UDAP! I have an account with US Bank that was opened in late XXXX. I began to be charged overdraft fees for absolutely no reason. For instance, on XX/XX/2020, I had a beginning balance of {$810.00} and an ending balance of {$770.00}. The day prior I ended with a balance of over a thousand dollars. I was billed a {$36.00} overdraft fee in the middle. On XX/XX/XXXX, my balance began at {$740.00} and ended at {$660.00}, yet I was charged 3 different overdrafts on that day. This has set the tone for how the bank has treated me, and all in all there were a total of 27 overdrafts on my account at last count. I called in and some of them were removed. Most of them were not. I was told by one rep that I have waived my rights to anymore overdraft reversals and that the only reason I received credits for the ones that were reversed was due to the managers exceptional customer service skills, and that the notes on my account state that I agreed that I would receive no more overdraft reversals. I hung up on that person. I have called in about similar overdrafts that were charged in error, and some of those have been removed, a total of XXXX, I believe. A situation which sparked new overdrafts have caused me to really be concerned with this banks practices. I recently went to a fast food drive in, and knew that my account balance was low, and because I had a friend in the car with me, and didn't want to be embarrassed if the transaction was declined, I decided to call in and check my balance before ordering the food. According to the automated system, I had appx. {$38.00} in my account, which included pending transactions. So, thinking I had that much money, I ordered food in the amount of {$15.00} ( appx ), and then spent XXXX at the gas station. I was charged two overdrafts for those transactions. Given that the bank still owed me for 12 overdraft fees in error, I began calling and trying to get this resolved. While on the phone with the rep today, I was told that my balance when I made the fast food purchase was appx. {$3.00}, and that is why I was charged overdraft. I explained that I had disputed these charges on XXXX XXXX, and explained that they could check their tapes and see that I called in at that time on that date, and was given the balance which included any pending transactions and shared my belief that US Bank must have a glitch in their system, because the rep was reading off my transaction history and balances which contradict what my own statement and mobile app state, and that I was disputing these fees along with every other one, citing that I wouldn't have one if I didn't have the other. I was told that I am not allowed to dispute fees. I was also told that nobody at the bank had access to my account more than three months back, and that there is nothing I can do about it. I insisted that this can not be legal, but I was told again that I have no recourse. This is just one more thing that this bank has done that is deceptive and should be investigated for. If a bank can just charge fees and a consumer has no recourse or authority to dispute charges made in error or from unauthorized charges, then I guess that explains how they make billions in overdraft fees. As soon as I receive my settlement from my civil suit, I am changing banks, and I warn any consumer who want to bank with US Bank to beware. This bank is as dishonest as they come, and they could care less of the impact they have on their customers even when that customer is XXXX and on a fixed income. They have not honored the promotion I signed up for, blaming me of course, and have charged me over {$800.00} in overdraft fees which I believe is excessive and in error and have allowed me no recourse apparently to dispute them. This situation SCREAMS UDAP! UDAP! UDAP! UDAP! UDAP! UDAP! UDAP! UDAP! UDAP! UDAP! UDAP! SCREEN SHOTS PROVE THIS IS RIDICULOUS! IF I DIDN'T HAVE ONE, I WOULDN'T HAVE ANY AND THEY OWE ME FOR 14 MORE BUT I'M NOT ALLOWED TO DISPUTE??? COME ON!!! | ||||||
| 12/09/2022 | Yes |
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Web | Older American, Servicemember |
| My mother passed away on XX/XX/XXXX. After her passing I was working with US Bank in XXXX on her XXXX that she had named me as POD. I went into the XXXX US Bank and spoke to XXXX XXXX who confirmed with her IRA department that I was listed as POD on my mothers XXXX, I had provided the death certificate to her. She told me at the time that I had 2 options, 1. roller over to another termed CD/IRA or 2 . I could cash out. I asked if this needed to be decided at that time, she said " no ''. She then gave me a case # XXXX that once I talked to my attorney I could then use this # to begin transfer of XXXX. I then went to my attorney and began the process to change the XXXX since we were told that the account was POD, there was no need to keep my parents XXXX. I then went back to US Bank in XXXX around XX/XX/XXXX after the new trust was created. ( XXXX XXXX Created on XX/XX/XXXX ) I spoke to XXXX again and advised her that I wanted to transfer the CD/IRA to XXXX XXXXXXXX to an inherited CD/IRA. XXXX advised then that I did not have all the paperwork needed from XXXX XXXXXXXX to make the transfer, she advised that I needed a medallion signature on the transfer paperwork, so I went back to XXXX XXXXXXXX and got the signature. I returned with this paperwork and asked for the account # to give to XXXX XXXXXXXX and she would not provide, she was not helping me so I left. My daughter knew a contact at US Bank and put me in contact with her. XXXX XXXX at the XXXX XXXX location ( She has been the most helpful in this process ) set up an appointment on XX/XX/XXXX to help me with the CD/IRA. When I went to see her, she completed completed the paperwork, she indicated that they would send me the annual distribution and the rest would be rolled over to XXXX XXXXXXXX IRA. Then my financial advisor at XXXX XXXX received an email on XXXX indicating there was an issue and that the account was not POD to me and that the beneficiary was my parents trust which required me to have another meeting with XXXX which is XXXX XXXX XXXX each way for me. I met with XXXX on XXXX to discuss the problem and she then got IRA services team on the phone while I was in the office for XXXX hours, first they said they needed to see a trust with my name, which I sent to them, then they said that was not good enough, and now I need to reinstate my parents original family trust, then changed their mind for a XXXX time and said they needed to see the new trust with my name dated after XX/XX/XXXX, then finally they changed their mind again and advised I needed to get a small affidavit saying to payout new trust with my name. I told the manager XXXX I was filing a complaint with the CFPB and she then gave me her bosses contact ( XXXX XXXX ), I immediately called him after leaving the office and left a message expressing frustration at XXXX XXXX, and at this time have not heard back. I have received a few documents XXXX of which is the IRA paperwork when my parents did a rollover in XX/XX/XXXX, there is only XXXX pages out of a total of XXXX, the documents look odd, they do not match up with dates and beneficiary. There is also a statement that was checked on the second page that said I am married, I understand that if I designate a primary beneficiary other than my spouse my spouse must consent by signing below, which is signed by my father, who on the front page is showing as primary bene and the trust as a contingent. The bank is saying it was POD to me in XXXX, but refusing to show the papers, this does not make sense. At this time after several attempts at XXXX different branches, various conversations with manager, IRA department, and a lot of hours, I still do not have any resolution, to a transaction that started in XXXX. This needs to be settled by XX/XX/XXXX as there are several tax implications and fillings that I have to handle with my parents passing. I want this resolved so that I move forward. Loosing a parent is not easy and then to drag this out continues to impact my ability to move forward. I appreciate your attention to this matter and hope that I have resolution soon. Thanks | ||||||
| 12/09/2020 | Yes |
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Web | Older American |
| I tried to report identity theft to the following bank that issued an unsolicited card sent to me in relation to a false claim of unemployment ( Texas Workforce Commision ). They told me to report identity theft. I sent the report to the issuing bank at customer service but they said I had use another address that they provided but when I did so the address was rejected as follows : When I tried to use the email address you sent me all I get is this : Error The address " XXXX XXXX XXXX '' in the " To '' field was not recognized. Please make sure that all addresses are properly formed. Here their note to me : XXXX, This email address is for U.S. Bank Freight Payment. All suspicious activity must be reported directly to XXXX. Thank you. U.S. Bank Freight Customer Support XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX3 www.usbpayment.com Ref : XXXX U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what I sent them : to XXXX XXXX said to report this to you : RE : Fraud-identity theft and unsolicited card I was told by the State of Texas to report identity theft related to card XXXX XXXX XXXX XXXX issued by your bank. I did not request nor do I want the card the State of Texas sent me issued via your bank. I have not nor intend to activate this card. I have reported this to the police and their report number is XXXX ( officer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Message me and I will return calls XXXX preferred method of contact XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Texas Workforce said someone had filed claims in my name after working for a plumbing company called XXXX 's XXXX back in XXXX or XXXX of XXXX. I am a retired XXXX born in XXXX. The address the card was sent to was incomplete but it is a small town and the post-mistress passed on to me anyway else I would never had known about it. I filed a police report yesterday, XXXX. You have their case number they provide me and officer 's name above. I was provide three numbers by Texas Work force to report fraud to but the first rejects all calls for the last two days saying due to high call volume call back later ( XXXX ). The second number they provided ( XXXX ) requires a pin number to get through to anyone. The third number hung up on me several time over two days after choosing the correct option to report this fraud. I now have left two long messages at an option that did let me get through voice mail but I have no idea if it ever got to the correct party. My first recording was yesterday and at XXXX XXXX nothing heard back. I called Visa and they refused to take any kind of report and just told me to contact the issuing bank. I did make contact by phone but he suggested I do so by email and that is what I tried to do after searching for the email address he said I would find on the main site. I sent another report to an address he also suggested but no confirmation email was received back which for something involving the law and of this importance I expected. So far only the police have responded in a way I expected and understand. They have copies of the fraudulently solicited card and cover letter with the Texas Workforce Commission return address. The card number can be found in the above notice I sent the bank. I want an email addresses to report identity theft to the Texas Workforce Commision, the issuing bank ( usbankreliacard.com XXXX ) and Visa. I find the inability to document and report fraud in writing, the bad phone numbers and non-working email address to be quite discomforting. I need proof from the agencies I have reported fraud to that I have reported the fraud and acknowledgement that I provided all detail required by them. Thank you for your time and consideration, XXXX XXXX XXXX. cell : XXXX SS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX | ||||||
| 03/26/2020 | Yes |
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| I noticed on XX/XX/XXXX that my USBank Altitude Reserve credit card was canceled without notice as I tried to login to my online account and noticed it did not show up. This is a credit card that I had been using heavily since I received it on XX/XX/XXXX as indicated by the rewards balance of over XXXX points at time of closure ( these points redeem at 1.5x on travel which puts the value of these points at over $ XXXX ). Since the rewards never expire, I had been saving them, never thinking that a time would occur where my account would be closed and I would be unable to use them. When I called USBank to see why my account was closed, the rep told me it was because I overpaid the account balance ( something I've never heard as a justification for account closure ). When I asked about the large rewards balance in my account, she told me that it was forfeited at the time of account closure. I was given no opportunity to redeem the rewards I had been accruing and saving in my account. I believe it is only fair that if my account is to be closed, I would receive ample warning so that I can at least redeem the rewards in my account. However, that was not the case and I was very disappointed. I wrote an email to the Executive Team at USBank explaining what happened and received an automated response saying that I will be sent a written response within 15 days. The written response I received was nothing specific to my case, but rather a 10-page printed copy of the card agreement which I have attached. I guess they figured I would find the reason they closed my account within that agreement but I did not. Instead, what I found on page 5 was : 32. Cancellation of Your Account : We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. In other words, not only did I not find anything within the agreement that justifies my account closure, I also found that in the case of account closure, notice must be provided except in the case of Default, which was not the case here. I am suspicious that USBank chose not to provide warning because they noticed a large rewards balance in my account and did not want to give me a chance to redeem it. I can also add that I have a friend who had the same exact credit card whose account was also closed. This friend had redeemed most of his rewards by the time the letter was sent and therefore did not have a large rewards balance in the account. He received a letter from USBank, which I have attached, saying that his account would be closed effective 30 days from the date of the letter and to contact customer service to redeem any rewards since they will be forfeited at closure. According to the card agreement this type of notice is necessary in order to close an account that is not in default, and I believe that I should have received a similar letter to notify me that my account would be closed and allow me to redeem the rewards I had accrued. As I mentioned, however, I did not receive such notice and I am suspicious that it is because USBank did not want to give me an opportunity to redeem the large sum of rewards in my account. To be clear, I believe that I have been robbed of over $ XXXX by USBank because they did not have a valid reason to close my account without notice, and by doing so they were able to confiscate a large rewards balance that they owed to me. Had I received an account closure notice similar to the one my friend received which is in line with their card agreement, I would have had the opportunity to redeem my rewards and although I would not have been happy about my account being closed, at least I would have been given a chance to redeem the rewards that were rightfully mine. By canceling my account without notice USBank was able to rob me of these rewards, and nothing was said over the phone or through the mail that was able to justify this abrupt closure and effective confiscation of over $ XXXX worth of rewards. | ||||||
| 06/10/2023 | Yes |
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| I do a freelance work to do web development. I recently got a client that engaged me for XXXX fee for a simple website. He requested me to also help pay his consultant XXXX since he has no capability to do it. He sent me a check for XXXX, which breakdowns to XXXX as downpayment for my service, XXXX for the consultant, and XXXX convenience for me for facilitating this transaction. This seemed suspicious to me at first so I left a mental note that I would not send any money without getting assurance that I get the funds first. I was very careful and tried to be as vigilant as possible. I got the check in the mail on XX/XX/XXXX, Monday and deposited it on the same day at a US Bank branch near my house. The bank representative assisted me to deposit the check. I watched her check it, and had a sigh of relief because she seemed to know how to scrutinize the check for any signs of tampering or illegitimacy. She scanned and entered the check and again felt a relief when she said it is now good and there are no issues. I checked my account and saw that it is still in hold, something I understand as they need to hold the money since there is a clearing process needed. The next day, XX/XX/XXXX, I was surprised that the amount was already available in my account. As a customer, that is a clear sign that they have completed the clearing process, got the handshake from the other bank, and got the green light to release the account. Since the amount is already in my account, I got confident to proceed with the next steps of my transaction. For my work to commence, I need to release the XXXX fee via XXXX to the consultant so they can release the documents in order for me to start with the specs of the website. All this happened while Im thinking that the amount is already safe in my account since it is already available for me. To my surprise, the client backed out and requested me to give them back the remaining amount. At this point I became suspicious once again, but since the money is not mine, and I just want to end the transaction, i gave them back the remaining amount via XXXX from my another bank since I am nearing my limit in the US Bank XXXX. I slept comfortable that night knowing that XXXX XXXX have any liability anymore. The next morning, Wednesday XX/XX/XXXX, I was shocked that my account in US Bank reflected that the amount XXXX was reversed and that they are taking back that from my account. I was surprised that what I thought was a cleared check transaction can still be reversed. I have called the bank and their fraud dept resulting to reports being filed and a communication to zelle that a malicious transaction has happened. I also called my other bank for the other zelle transaction and they also filed reports for it. I think that the US Bank branch should bear responsibility on this based on these following complaints : 1. US Bank Fraud revealed that the check is fake, and the account in not existing in City National Bank. Why didnt the branch representative caught signs of fake and fraud and still proceeded with the transaction? As a non-banker, I wouldnt know the things they should have checked before accepting a check. Isn't it part of their training? 2. US Bank releasing the amount is a clear sign for customers that the check has cleared. Multiple times they have said that the bank wants to avoid comments from irate customers for not releasing the money immediately thats why they release the amount even if the clearing is not yet. I believe that it is a risk that they take to cater other customers in order for them to provide better and faster services. In turn, they put other customers in risk whithout us knowing the process. 3. Upon depositing the check, they did not give the option to release the amount immediately or hold the amount since they can not fullt cerify the check which is from another bank. They also diid not disclose the fact they it may take them XXXX days to fully clear the check. 4. The customer ls have no way of knowing, either in person, text or email that the check has been fully cleared. | ||||||
| 09/18/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I received an email solicitation for a Credit Card from US Bank. It stipulated that I was qualified for a low intro APR in the subject. Upon opening the email, it reads what the promotional interest rate ( zero percent ) for purchases and balance transfers for the specified period, but it does NOT specify any type of fee for balance transfers. The 0 % Introductory APR is underlined and is a Hyperlink to review the specific terms and conditions of the Credit Card. I clicked on this link and thoroughly reviewed the terms and conditions, as well as the fees to confirm that there was NO FEE being assessed for the Balance Transfer, in order to receive the 0 % for 18 months. No where in the terms and conditions does it stipulate that there would be a 3 % fee for Balance Transfers. As a result, I applied for the credit card. I was assessed a 3 % fee of {$220.00}. When I inquired further of this fee with US Bank, they stipulated that this was the fee for the balance transfer and that there was nothing they could do. In trying to research and prove my point to US Bank that I was not aware of this fee, I then noticed that the email solicitation advertising the Pre Approved 0 % APR has an asterisk next to it. If you scroll ALL the way down to the bottom of the email in the fine print it does indeed state there is a 3 % fee, however, it does not clearly specify this under the terms and conditions hyperlink that is included in the same email. Essentially, depending what route you go to view terms and conditions will allow you to CLEARLY see what they will charge you, OR be left in the dark as to there even being a fee. I have emailed US Bank Customer service on numerous occasions, faxed in the support documents with the proof of their misleading advertising tactics and they stand by their fee and are not willing to waive it. Nor have they offered to waive a portion of it. The only option that they have granted me was to payoff the credit card within 30 days and they would waive the fee. XXXX XXXX of the Office of the President with US Bank essentially argued with me over the telephone standing by their very clear and concise email advertisement. I however am very well versed in reading terms and conditions of various credit cards, and no where in the terms and conditions hyperlink that I reviewed BEFORE applying did it CLEARLY specify that there was a 3 % Intro Balance Transfer Fee. In my complaint and correspondence I addressed the CA law of clear and concise advertising, but that was of no concern. I was simply told that they would consider my complaint for future marketing solicitations. If you were 100 % certain that this was NOT at all misleading and was indeed clear and concise as you claim, I don't understand why you would even say you would " consider '' my complaint for future marketing solicitations. I feel this in itself is justification that it can be misleading and unclear. I have enclosed a copy of the email and the terms and conditions that I reviewed by clicking on the hyperlink within the email. As you can see, only if you scroll down to the fine print asterisk do you find the 3 % fee verbiage, but if you review the terms in conditions next to the APR for balance transfers, it does not clearly state that there is a 3 % fee for opening balance transfers. Down below under transaction fees, again there is no mention that clearly states this fee applies to Initial Balance Transfers. The Terms and Conditions of other credit cards companies are VERY clear in both of these areas when stating that the fee also applies to an Introductory offer. As a result of these differing specifications, depending on which you choose to review, I believe this is extremely misleading and unclear. If you thoroughly read terms and conditions one should be able to come to the same conclusion of the fine print at the bottom of the email, however this is clearly not the case. I am extremely disappointed and upset as this has tied up my credit and left a mark on my credit report, and it was essentially all for nothing. | ||||||
| 04/13/2020 | Yes |
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| XX/XX/XXXX To Whom this may concern, I am writing this letter today to express my concern in the way in which my account was handled. On or about XXXX of XXXX my wife, called in to our mortgage lender U.S Bank inquiring about a possible deferment on the 2 loan payments in which we were ahead. Our loan payments began XX/XX/XXXX which is when we paid our very first payment of {$2500.00} in addition to our monthly payments, we paid {$100.00} towards our principal. We were on time every month including the extra {$100.00} which at or around XXXX of XXXX we were told by a U.S Bank mortgage rep that we were ahead 2 months of paying off our loan due to us paying more than our monthly payments. Backing up 11 months to XXXX of XXXX I was hurt and could not work. I did not get hurt on the job so no I did not qualify for XXXX 's XXXX. At the time my wife had to go back to work making only 1/3 of my income. We still made sure to make our payments on time. I then went into XXXX XX/XX/XXXX to have my severe injury repaired. Still making our payments on time now via auto pay with the addition {$100.00} payment. We juggled it all making payment arrangements on other bills to make sure that our mortgage payments were always on time due to me not wanting this to reflect negatively on my credit. After getting very low on our saving my wife decided to call U.S Bank on or about XX/XX/XXXX to ask for a deferment that would have help us get caught up on other bills as well. When she called, she was told by a U.S Bank rep that we would only qualify for the hardship program if we owed 2 months of payments. She was told that U.S Bank DO NOT do deferments and they DO NOT accept half payments meaning that if we can pay half of the payment on the XXXX and the other half on the XXXX to complete the monthly payment. The only help that they can give us was for us to send a hardship letter and wait for a response. Again, concerned about my credit, my wife asked the rep how would this effect the credit having these late payments, the rep only responded stating that the only help we can get is to allow 2 payments to show owing and to fill out a hardship package. Well considering the fact that we needed the help, thinking the these will be the only payments reporting negatively on my credit we then allowed 2 payments to go by meanwhile using the income coming in from my wife to get caught up on all the other household bills which by the way do not directly affect my credit on a monthly basis. Once the 2 payments were missed, we then applied for the hardship program which we were then told that it will take up to 90 days to be approved during this time we were making payments which to the mortgage company late payments identifying the payments as payment arrangements and which those payments were saving our home from being foreclosed on not on-time payments. After finding this out we then began making {$3000.00} or more payment to try and get caught up only to learn that the extra payments were going into a separate account and was NOT credited as a payment until it added up to a full payment. So, meaning we had money in their account which I am pretty sure it was collecting interest which was not being credited to my account. Really, I can go on and on about the back and forth and misinformation that was given to us each time we called in. My wife and I even asked if they can go back and pull the previous calls to listen to the information that was given to us even after asking specific question and this was not honored. So, I am writing this to share the unprofessionalism that were displayed by the customers representatives ' and also all the misinformation that was given to use. I am hoping that with this letter US Bank will be notified and all reps will be coached on how to give accurate information to their customers seeking their help. I feel we were taken advantage of in our need of hard time. Thank you so much for your time and taking the time to read this, I am hoping to hear back from you letting me know the outcome of this manner. | ||||||
| 01/12/2024 | Yes |
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| Hi, On XX/XX/XXXX, I noticed two unknown transactions on my US Bank online banking service. One was for a XXXX at a XXXX XXXX XXXX in California and the other transaction was a counter withdrawal for {$200.00} at a XXXX CA US Bank. These were definitely not me because I live in Wisconsin. Immediately, I called US Bank Fraud and ended up freezing the accounts related. A few hours later I went back on my online banking and noticed an internal transfer of {$15000.00} from my wife and I 's mutual savings account to my personal checking account and also noticed a {$5000.00} counter withdrawal from a different XXXX CA US Bank. Again, I immediately called US Bank fraud and informed them it was not me or my wife who did the transaction. We then froze all of our accounts through US Bank and I requested fraud affidavits be sent to start the process. On XX/XX/XXXX my wife and I went into our local US Bank Branch to open new mutual/joint accounts. Additionally, I suspended my online banking access because everything was happening through my online accounts/logins. My wife and I had our banker put a in-person teller password in place to add an extra security measure so no one could come in a take money out of any of of our accounts at any US Banks . By this time I was flagged as an Identity theft victim which was also flagged on my accounts. On XX/XX/XXXX I closed my old business account and reopened a new one with no connection of access to online banking, only in-person banking was allowed for me now. By this time my wife had transferred all of our mutual saving and checking into her personal/separate account. On XX/XX/XXXX I received a verification text message from US Bank which I did not authorize. I called fraud again, and was told there were three attempts made to login to our new accounts through my login information. They were not made by me because they were made at times I was sleeping. It happed at Pacific standard time. As a result, we shut down or new accounts for the second time on XX/XX/XXXXXXXX XXXX XXXX In the meantime, I was doing tons of damage control on all of the hard and soft inquiries from my credit reports due to being a victim of identity theft. Within all of this I had filed a police report with my local police department, called the IRS, called Social Security, and opened a case with FTC.gov and frequently called US Bank fraud to get updates on the situation. Finally, the last instance of fraudulent activity took place on XX/XX/XXXX. I went in to my local US Bank branch to pay my business credit card, because at this point I am disconnected completely from any online banking and I asked for a balance on my business account. To my dismay, I was told there was only {$1500.00} and that {$8500.00} was taken out on XX/XX/XXXXXXXX The teller at my branch pulled/printed up the withdrawal slip, cash out ticket and customer authorization ticket and found out it was from another separate XXXX CA US bank branch. So another counter withdrawal in less than a month from when the first two happened. This XXXX happened becuase the teller did not ask the thief/criminal the password that I had put in place to prevent this from happening again, which it obviously did. The negligence and breach of fiduciary duty on the part the teller at that XXXX CA Branch is beyond wrong and unacceptable because I was already flagged in the US Bank system as an Identity Theft victim. Additionally, I called the branch manager at the bank where this took place and he said the fake ID that was presented did not have the same last 4 digits of my current WI drivers license. This should have never happened, especially since I had an in-person password enacted. This was the third time at a third XXXX CA Branch that this happened. The {$8500.00} that was allowed to be stolen from me was a deposit from a client of mine that I no longer can utilize to perform my services for that client. I need this money back sooner than the the rest that was lost, like today I need it. This should have never happened this last time. Thanks | ||||||
| 03/21/2021 | Yes |
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Web | Older American |
| XX/XX/XXXX : XXXXXXXX XXXX XXXX Money Market Savings Account XXXX opened. XX/XX/XXXX : Introductory APY 1.85 % guaranteed for one year XX/XX/XXXX through XX/XX/XXXX : XXXXXXXX XXXX XXXX credits my account the 1.85 % APY interest rate as they guaranteed. XX/XX/XXXX : XXXX XXXXXXXX XXXX transfers this account to US Bank XXXX. Consumer-facing disclosures state that US Bank will continue to honor the 1.85 % APY guarantee until XX/XX/XXXX. XX/XX/XXXX, call ended XXXX XXXX Pacific time : I asked XXXX on a ( recorded? ) phone line at US Bank, What interest rate is US Bank paying on my account now that the one-year introductory guarantee period has expired? XXXX informed me that US Bank will continue to pay me interest of 1.85 % APY until XX/XX/XXXX, the first anniversary of the transfer of this account from XXXX XXXXXXXX XXXX to US Bank. Knowing that interest rates had generally declined since XXXX of XXXX, and, wondering if XXXX may have been mistaken, I asked XXXX a second time and she confirmed that the rate would continue to be 1.85 % APY until XX/XX/XXXX. XX/XX/XXXX, phone call ended at XXXX XXXX Pacific time : An examination of my next statement reveals that on XX/XX/XXXX US Bank paid me only 1.33 % APY, which is {$220.00} and {$330.00} less than the {$560.00} that Capris, the Bank representative, had assured me would be paid. I called XXXX at US Bank who confirmed that his call log showed that I spoke with Capris on XX/XX/XXXX. However, he also informed me that the call log did not say specifically what was discussed. It did not occur to me to ask him if there was a recording of the call. XXXX then informed me that US Banks rate had dropped to 0.01 %. I informed XXXX that his information conflicted with what XXXX had told me on XX/XX/XXXX and asked if I could speak to his manager. XXXX informed me that his manager was not available. XXXX then asked me to hold and that he would see if he could speak with his manager. XXXX returned to the line and said that his manager had told XXXX to tell me that I needed to go into the local US Bank branch to solve the problem. I asked XXXX if he would please obtain the credit to my account for me since it was the banks error and I had already spent about 30 minutes on the call. XXXX informed me that he would take care of the problem and get back to me. XX/XX/XXXX, phone call ended XXXXXXXX XXXX : XXXX had not returned my call of three days prior as he had promised. XXXX took my call and said that she had no authority to credit me the unpaid interest that the Bank owed me. I asked for her managers name and was told XXXX. I then asked who XXXX manager was and was told, XXXX. I then asked XXXX for XXXX extension so that I could call her directly. XXXX informed me that she did not have XXXX extension and that she could not transfer my call to her. XXXX then asked me to hold while she spoke to XXXX, who though he was not available to speak with me, apparently was available to speak with XXXX. XXXX returned to the line some minutes later and told me that XXXX told her that US Bank had no agreement to honor customer agreements that XXXX XXXXXXXX XXXX had made. This information is simply false as evidenced by my XXXX and XXXX US Bank statements that showed that US Bank was indeed honoring the 1.85 % APY rate and also as stated on page 9 of the Welcome To US Bank consumer disclosure form that US Bank provided to me prior to taking over my account. At this point I concluded that US Bank had no intention of dealing fairly and honorably with me and I informed them that I would be lodging a complaint with the CFPB and the XXXX. XX/XX/XXXX : As I file this complaint today, no one from US Bank has called to rectify the loss I incurred as a result of my reliance on XXXX XX/XX/XXXX statement to me and her statement may have been captured on a recorded line. For privacy reasons I have not attached any bank statements. Also please note that page 9 of the US Bank consumer disclosure document did not upload after numerous attempts. The cover page of the disclosure did upload however. | ||||||
| 10/22/2019 | Yes |
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Web | |
| Good Afternoon, My house is in foreclosure proceedings and the foreclosure sale date is set for XX/XX/2019 of this month. I have tried hard to work with my servicer, Us bank, and all my efforts have resulted in vain. I have been asking Us bank and its representatives to provide me with all foreclosure related correspondence in writing via email and they have ignored all my request so far. I have also mentioned to them that i have a XXXX XXXX and hence difficulty in understanding almost all forms of oral communications and also for something to fall back on for legal purposes should the matter go to legal proceedings. My relation manager with Us bank is so keen on pointing out to me that foreclosure sale is only imminent and that I am doomed. So far all the options explored to save my house and to stay in it have been researched by myself independently. I had submitted a mortgage assistance packet back on XX/XX/2019 of this year and it got rejected on the grounds that I do not have enough equity in my house and one or two months prior to myself submitting this packet, I had received a letter from Us bank indicating the appraised value of my house and this appraised value stood at {$560.00} XXXX or very close to this figure. Us bank used XXXX XXXX decision of not having enough equity in my home vs the market value price of my house as a reasoning to disqualify myself for any mortgage assistance help or to stay in my home options. Us bank and its representatives informed myself that it was at XXXX XXXX discretion. I went directly to XXXX XXXX and they informed me that they have no record of Us bank approaching them on this matter and I had also researched that a program called XXXX XXXX streamline flex modification existed but this time and Us bank and its representatives had failed to advise myself of this option. XXXX XXXX assigned a case manager to look in to this matter and this case manager contacted Us bank and they launched an internal investigation in to the matter. I repeatedly asked for updates in to this Investigation i and at same time.reapplied for mortgage assistance and submitted another help packet. Once again. I requested Us bann and its representatives to communicate all correspondence in a writing via email for my records. My request was ignored again and asked to call the 1 -800 mo. For Us bank to get further information or updates for my file and mortgage assistance application. It is interesting to know that communication via email was okay for Us bank previously and all of the sudden I had to depend on oral correspondence for UPDATES on my complaint and my mortgage assistance application. Please note that this went on for few weeks and I have record of all emails sent by myself to Us bank and did not receive any response and the auction date of XX/XX/2019 had been approaching rapidly. I have also had great difficulty in working with my relationsnoo.manager aa she did not understand the concept of myself having a XX/XX/XXXX rand the diffculities or issues I was facing due to oral forms of communications. She also asked, during our last phone call conversation, If I would need a different relationship manager a s my response was, " YES. '' As of today, we are siting on three days to foreclosure auction date and on the notion that a man with XXXX is going to be homeless and nothing is being done ot accomplished in the matter! I am in need of immediate assistance and I am requesting it with both hands and I need your help. Plesse reply back with proper legal guide line or towards a organisation or an individual who can guide or assist myself so I can stay in my home. I have not come this far with a XXXX to loose my home and be on streets to wander around aimlessly! I will keep knocking on doors till my cry for help is answered. I have worked day and night to get this little home of mine and turned my blood in to sweat to be a proud home owner and live the American Dream only to loose it Sinecelry XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX -- - In Immediate Need Of Assistance in WA state | ||||||
| 07/19/2023 | Yes |
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| I was in default of my Home Mortgage and US Bank Home Mortgage filed for foreclosure. I filed a voluntary XXXX XXXX and the Trustee paid US Bank Home Mortgage a total of {$5900.00} while I was protected under the XXXX XXXXXXXX filing. Proof of the Trustee 's payment ( s ) which can be provided. I had a Manager at a US Bank branch call US Bank Home Mortgage on XX/XX/XXXX to get the amount needed to bring my mortgage current. I gave the same Manager the amount requested PLUS another {$4000.00} to take off of the principal, which was a total of {$15000.00} on XX/XX/XXXX. I believe that making a mortgage current after a default also includes Escrow payments. I also asked for a total of all the payments US Bank Home Mortgage had received since the foreclosure filing and how those funds were disbursed. That spreadsheet can be provided. For some reason, known only to US Bank Home Mortgage they disbursed the funds in a highly irregular matter. My monthly mortgage payment is {$590.00}, as you can see that is not what they did. Instead they took out {$280.00} for each month I was in arrears, paying Interest, Principal, but only {$40.00} for Escrow, which ONLY covered the Mortgage Insurance payments. I had asked US Bank Home Mortgage to end my Mortgage Insurance payments in XXXX as I was way ahead on my amortization. They denied me, claiming that my home 's value wasn't high enough ( due to the Banking Industries errors, which caused the Economic Crisis of XXXX forward. ) Now to get it removed I have to have 24 uninterrupted payments, PLUS I have to pay them {$100.00} to decided whether or not to end these useless payments. Even though the value of my Home is MUCH higher than the amount due on my mortgage. At the end of XXXX I tried to make my XX/XX/XXXX payment but I was unable as US Bank Home Mortgage had reinstated my foreclosure on XX/XX/XXXX. Proof can be provided. I called and asked them why they refiled and they denied that they had. I was unable to transfer funds from my checking to my mortgage due to the ongoing foreclosure. I had to go to the bank and either make a wire transfer of my payment, or withdraw the amount from my checking account to send US Bank Home Mortgage my XXXX mortgage payment via mail as a Cashier 's Check. I handed the Manager at the branch the Cashier 's Check for {$1200.00} and he put it in an interoffice envelope to mail to the Home Mortgage Department. They lost my check so I made another payment on line on XX/XX/XXXX, as I did not want to be viewed as in default again, as they had withdrawn their foreclosure filing, and I was able to make a transfer from my Checking to my Mortgage in the amount of {$690.00}. When, happy days, they found my first XXXX payment. Now they claim that I am in arrears over {$11000.00} for my Escrow, which now makes my monthly payments {$150000.00} so that they can fund the Escrow account. The problem I am having is their Misappropriation of funds. If you view the spreadsheet US Bank Home Mortgage sent me of all funds paid since my foreclosure started, you will see that they are missing {$3300.00} from the Trustee 's payments AND they are missing {$1800.00} from my XX/XX/XXXX payment, PLUS the amount actually put into Escrow of {$5600.00} from the payments they have received, all of which add up to {$11000.00} as of XX/XX/XXXX. Since my two XXXX payments they will not let me make a mortgage payment until XX/XX/XXXX, at which time they expect my mortgage payment to be raised to the above requested {$1500.00} per month, due to their misappropriated disbursal of my payments. I made a Principal Only payment on XX/XX/XXXX of {$900.00}, as they would not allow me to make a mortgage payment. All in all US Bank Home Mortgage has received {$23000.00} from a combination of the XXXX XXXXXXXX Trustee and myself and somehow I am still - {$10000.00} Escrow as of the creation of this complaint. Please review the attached and tell US Bank Home Mortgage to stop messing up my mortgage on purpose. They are setting me up for failure, which is not acceptable. | ||||||
| 05/15/2023 | Yes |
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| Two unauthorized electronic fund transfers were made from my US Bank savings account to a XXXX XXXX account on XX/XX/XXXX for {$3900.00} and XX/XX/XXXX for {$3200.00}. They were not made by me nor were they authorized by me. When I logged into my online banking on XX/XX/XXXX I noticed my savings account had significantly less money than it should. I opened the transaction detail and saw two external transfers. I have never made that type of transfer, which I was told by the bank representative, was a transfer between two banks. I do not bank at XXXXXXXX XXXX, or at any other bank and only have bank accounts at US Bank. I called the 24 hour customer service number on XX/XX/XXXX, as it was after normal business hours, and reported the fraud. I was instructed to go to my branch office the next morning and get help with the fraudulent transactions. I went to the branch on XX/XX/XXXX and had three bank accounts frozen and opened three new ones. During that process, I found that my phone number had been changed on my accounts to an out-of-state phone number, although my address had remained the same. The representative also told me my email settings had been disabled, as I mentioned to him that I did not get notification the day before of a direct deposit that was made to one of my accounts. I never made nor was I ever notified of these demographic changes. I was never contacted and asked if I made these changes and I was never asked to answer any of the security questions that I should have been asked. There apparently is a lack of security within U.S. Bank. I am notified anytime I login to XXXX on a different device or on a different Wi-Fi net work and my credit cards notify me if transactions have been made or any changes to demographic information have been made, yet US Bank seem to think these changes were not out of the ordinary, or worthy of alerting me of these changes. I completed fraud paperwork on XX/XX/XXXX which was sent to the fraud liaison department of U.S. Bank and denied three business days later. They told me I either made these transactions or gave someone else my login credentials to do it, neither of which are true. I filed a claim with the Office of Comptroller of Currency as advised by the Attorney Generals office, and they directed me to the Consumer Finance Protection Bureau. I have also filed a complaint with the FTC and a police report # XXXX with XXXX XXXX police department. XXXX XXXX XXXX has submitted grand jury subpoena paperwork to US Bank on XX/XX/XXXX. US Bank has refused to let me see what documents they used in order to deny my fraud claim. I was advised by the bank representative to submit fraud paperwork again, along with a typed paragraph stating that I neither made, nor authorized these transactions and reminded US Bank that I have been a customer for 22 years, on XX/XX/XXXX, and these claims were denied as being duplicates. They werent even looked at. My husband and I have been customers of US Bank since XXXX and have lived less than XXXX mile from our branch office for 33 years. Even my husband does not have my login information to my savings account and no one else does either. Neither of us has ever made transactions such as these and we only bank at US Bank. If someone at U.S. Bank would look at either timestamps, location, data, IP addresses, or other elements, Im sure they could prove that I was not involved in any of these transactions, and that these were fraudulent. I can not believe these transactions were not flagged and were able to go through as these are high dollar amounts, and are transactions types that we have never made. And for our phone number to be changed to an out-of-state number, yet the address remaining the same, makes no sense, and should have certainly seemed out of the ordinary to someone at the bank, along with the email notifications to be disabled. My husband and I have worked hard for many years ( we are XXXX XXXX XXXX ) and expect the bank to put our money back into our account immediately. This is money that we need to live on. | ||||||
| 08/24/2017 | Yes |
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| usbank - i have been in foreclosure for three years without a sale datw - i have been in loan modification process for those three years with no agreements made i have practically begged to just let me start making my payments again and was told no i couldnt until i qualified or was denied loan modif. - after denial they were suppose to offer a forebearance plan. was not given that either and i have been denied many times thru the loan modif. program at usbank - i am on XXXX - my loan is for XXXX remaining the original loan was XXXXthey told me i need to pay XXXX of late payments to start making my regular payments again or they will foreclose - when i foreseen a problem making my payments before i was ever late i asked for help from the bank and within six months they were trying to get XXXX XXXXout of me for fees and this shortgage in the escrow account when the payments behind were only XXXX they made my payments about 900.00 rather than letting me make interest payments or put what i was behind on the back of my 10year loan like i had asked - an escrow was added to my account and showed shortagages of close to 400.00 a month being put into the esceow when the original loan was a home equity line of credit the bank switched over to a mortgage and wasnt an escrow loan - the attorneys for the foreclosure are asking for more than the original loan and have put my co owner on the loan too when she signed off the loan when it originated - i am unable to get refinancing or my own home owners insurance thru another bank or ins co. because of the mess with this bank..usbank - i am unable to access the equity in my home for repairs or other business ventures or for my own health needs. i need a new roof and other repairs of imminent concern - ive applied for HARP over ten times and was disqualified each time for various reason that werent right - ive contacted HUD, my attorney general, the banks customer service investigative team that did a whole 500 page review on the entire case, ive contacted the treasury dept in the state that deals with banks and was told to call a united states treasury dept that deals with banks - as far as getting an attorney in my state i was told by a XXXX save my home line that there were no attorneys in the state of north dakota that handle real estate litigation, but i called about eight attorneys anyways with no avail. i was told by one that he would look over my prepared documents if i was planning on acting in my own self representation. - the bank has some other collections against me for them closing my bank account which they also sold to a collection agency. so both are trying to collect for the same debts. -the original loan was taken out to payoff my car and credit cards thru usbank. XXXX loan modification discrimination with income verification -the personal representative asked for bank statemenrs to do an expense workup which was income verification too. - i provided the letter of income verification from the social security department and was told that wasnt good enough -i do not have a bank account -part of the application papers asked for an expense worksheet which i provided as well -I included an extra page of explaination with my app this last time and was told that it was useless trying to fight the bank because they are one of the worlds largest banks by my personal relationship manager - i have had numerous Relationship Councelors over the last three yeaes. they are hard to get ahold of and they tell me theyve sent certain notices by email or regular mail which were never received -my last RC at mortgage assist point with usbank told me that if i were ever married in my lifetime that my x spouse was to sign some papers for my loan even though i wasnt married to him at any time during the course of the loan or purchasse of the home that was willed to me by my uncle for a dollar. - RC called and said she a quit claim deed from my x husband. i told her that he has nothing to do with me or my loan or my home and the married was anulled 14years ago. | ||||||
| 07/20/2022 | Yes |
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| Regarding previously filed XXXX Case # XXXX, I received a voicemail from XXXX XXXX on XX/XX/2022, at approximately XXXX PST , which I have saved and retained and can provide proof of. In the voicemail, XXXX states, in part, " I absolutely understand that we failed ... in responding to you ..., '' and then invites me to contact her. I spoke with XXXX later the same day at XXXX XXXX for a XXXX phone call. In this phone call, XXXX stated that, in response to my XXXX Case # XXXX and CFPB Complaint ID # XXXX, XXXX XXXX was out of the office on XX/XX/XXXX and failed to turn on his out of office e-mail reply, and that was the reason that XXXX did not respond to me. I then told XXXX that XXXX did not respond to me until XX/XX/XXXX, only after I e-mailed him to follow up to ask if he was not responding to me because I terminated the XXXX XXXX relationship with his counterpart, XXXX XXXX XXXX. XXXX responded both by voicemail and e-mail on XX/XX/XXXX, all of which I have retained and still possess, stating that because he and XXXX XXXX are a team, he would not work with me but would assist me only temporarily in completing a credit card application while they await putting in place a longer-term team to service my financial needs. Nowhere in either XXXX 's voicemail to me or his e-mail does he ever mention that he was out of the office ; instead, he says he will not work with me. When I brought to XXXX 's attention the discrepancy between her explanation of XXXX 's conduct and the evidence I have to the contrary, XXXX immediately began to persuade me to use the XXXX XXXX XXXX XXXX -- because, as she stated, I'd have a connection to them since I'm from XXXX -- rather than work with a private banker locally, which is afforded to everyone as part of the US Bank XXXX XXXX relationship model. I let XXXX know that I felt pressured and retaliated against, being treated differently and forced to use a service center rather than a private banker, because I raised valid, legitimate and verifiable concerns in the XXXX and CFPB Case ID # s I mention herein. XXXX continued to suggest that my wealth management needs might be better met by simply walking into a local branch or using their general call center, rather than a private banker. I then told XXXX that I felt as if she was " showing me the door '' because of the valid, legitimate concerns I raised, and also because I believed she was knowingly and openly dishonest about XXXX 's failure to respond to me at all -- until regulatory complaints were filed against him, and I had verifiable proof in the form of an e-mail and voicemail that stated he would not work with me because I terminated the XXXX XXXX relationship with XXXX XXXX. Once it became clear that XXXX was, what I believed, coercing me away from the financial services I needed, as a direct result of my complaints, XXXX began to tell me that their legal department is involved, my complaints are extremely serious and all this could go against XXXX XXXX 's XXXX license -- all of which I told her seemed not to address my concerns but instead cover up for her own admission of failing me as a US Bank customer. I then let XXXX know that, based on my conversation with her, I did not feel comfortable communicating verbally any longer, and any and all communication from her and her team should only be done in writing. She said she would let their legal team know of my request. In the end, I believe that XXXX and her team have knowingly acted in a retaliatory and discriminatory fashion for my filing of truthful, legitimate, good-faith complaints against XXXX XXXX and XXXX. Their retaliatory and discriminatory actions, I believe, are in the form of refusing to transfer my investment accounts as mentioned in previous complaints ; my money going uninvested, causing financial loss to me ; and coercing me into not working directly with their team, and instead using other methods of banking and investing that are not required of other customers who do not file good-faith complaints against US Bank and US Bank Investments . | ||||||
| 01/17/2020 | Yes |
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| I would like to request some assistance. XXXX XXXX has a program where if you pay your cell phone bill with your XXXX XXXX you have Cell Phone Protection. Ive been paying my bill with my XXXX XXXX for many months. I called to file a claim at the beginning of XXXX and was told to use the website to file my claim. I tried but got an error message that says my account can not be found. I called the number listed on the site and they told me they could not find my account. They suggested I call the bank that owns the XXXX. US BANK. I did that and was advised that indeed I do have the protection. Frustrated I called back to the website number to find out how to file a claim. Again I was told my account was not found. I asked for a supervisor who did look my information and advised my account was not found. I called back to XXXX XXXX and was again advised I do have the protection as long as I pay my bill with the XXXX XXXX. I had a wonderful representative who took matters into her own hands and called herself. She conferenced me into the call and again we called the web number. We were again advised that my account was not found. They again suggested that I call the bank. She then advised that she was the shows that I do have the service. She was advised that I am eligible however the bank has to activate the service and they have not. She asked how to do that as she was in my account and per their information as long as I pay my cell bill with the card I do have the service. She was told it was the banks procedures and they did not know. I only have 14days from when the cell accident occurs to file a claim. I asked what will happen as we are getting into the holidays. I was advised that I would have coverage as I have called in and it is documented. The agent advised she was going to escalate it and I would hear back how to move forward. So I waited and heard nothing. I called again and got an agent who could care a less. He told me that he sees all the notes and it was escalated and a supervisor would get back in touch. Again I said I only have so many days to file a claim. He said dont worry you will be compensated maybe we will give you extra rewards points or reimburse your repairs. I again advised that at this point I could not wait and needed to get the phone repaired/replaced. He said a supervisor would call me. Well with no response I have called again. Once again I had a wonderful agent who tried to help me. No way. She called again and was told the same thing I have the service as long as I pay my bill with the XXXX XXXX. Of course they went round and around and she asked for a supervisor and was told the exact same thing. She went to three different supervisors in her company in different departments trying to get a resolve. Turns out one actually did call me back. At a phone number I havent worked at in over 3 Years. And they had documented my account that she called to tell me that I did have the benefit if I paid my phone with my XXXX XXXX. Apparently, she didnt bother to read any of the notes. So this representative spent over an hour on the phone trying to get a resolve only to tell me that there really isnt anything more she could do again she would escalate it. However, a letter was sent to me and once I have the letter to call the numbers on it and ask for a supervisor and have them call a supervisor at the benefit/claim number and see if they could resolve the issue. Well as luck would have it we now have another phone that needs replaced. And I got the letter in the mail today. Guess what the letter says. Yep, you guessed it you do have this benefit if you pay your phone bill with your XXXX XXXX. Ive obviously replaced one phone already and now I need help to get out of this hula hoop circle Im running in. What makes it worse is years ago ( 3 ) I worked for XXXX and applied for the credit card as an employee. Funny enough the supervisor called me at a number I no longer work at and you guessed it, it was an XXXX office she called. Please assist if possible. | ||||||
| 01/25/2019 | Yes |
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| After having to move into a new place in an emergency that is priced at least {$200.00} above the going market rate, the landlord requested that I open a bank account at XXXX XXXX and transfer funds to him through a built in service called XXXX which is convenient for him. I had previously had around {$1600.00} wired from my XXXX XXXX account in XXXX, CA to an overseas account and they initially told me they would not be able to get the money back so I told them I would report them to the FDIC and they magically got my money back. Because of this incident and auto-billing my account until it closed due to over draft fees when a family member reported false charges that caused me to go to XXXX, I do not trust XXXX XXXX and avoid banking with them. I found another XXXX provider by looking on XXXX 's website and opened the account there. After setting my password and pin, the password didn't work so I tried resetting it online and the pin didn't work. They said they had to send me a letter in the mail which would take up to 10 days. I ended up taking my debit card to the branch, having the teller set the pin to XXXX or XXXX ( I forget which ) and then setting my own pin again. I sent the landlord a test payment and then sent him the remaining funds for pro rated rent in XXXX. These are the {$100.00} and the {$310.00} on the attachments. I had already paid for my XXXX rent at this point. In XXXX I deposited {$1300.00} into the account. I received some error message about not being able to transfer the full amount of rent as I could only XXXX pay {$500.00} at a time or something along those lines. You can see the increment payments being sent to the landlord which is humiliating, psychologically frustrating and caused me a great deal of grief and mental anguish. I was fired from my job in XXXX and informed the landlord that I would have trouble getting the rent to him and that I might need to move into a homeless shelter. He was gracious and allowed me some time to come up with the money, find a new job or wait for my unemployment to kick in. I received a gift from a family member which is non taxable. I can receive gifts from family members up to {$140000.00} per year without neither I nor the pool of family members paying taxes per the IRS rules. I deposited the gift into my checking account on XX/XX/2019 and did the XXXX pay the same day, less than two hours later. First the website would not work on my mobile phone so I used the computer and it said I had the wrong password. Luckily my pin still worked and I was able to log into the account and do the XXXX pay to the landlord. Several issues have arised from this transaction. * The landlord claims the money has not been received * The Bank posted the withdrawal prior to the deposit causing my account to overdraft. * The bank sent me an email that the landlord received the money on XX/XX/2019, it is now two days later. In addition to all these problems, I am being charged {$6.00} a month just to pay my rent. This should be a free checking account as I have no intention of using it for anything except paying my rent and I am afraid the State of California will seize the account and leave me homeless if I put the {$1500.00} necessary in the account so that no fees are charged to the account. In addition to the transaction holds and lack of availability or access to funds to pay for my most basic necessities through a potential " hacking simulation '' which I did not consent to participate in, I believe the bank has also engaged in the following behaviors which are all separate issue selections. Funds not handled or disbursed as instructed Problem using a debit or ATM card Problem making or receiving payments Problem accessing account Banking errors Fee problem -- While typing this message, I received a text message from the landlord stating he had to go into his account and accept the money. We spoke earlier today and he stated he just gets a notification that he has money when other people send him money through XXXX. | ||||||
| 01/23/2024 | Yes |
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| I XXXX an office girl to help with data entry and reconciliations in XXXX of XXXX, as my husband and business partner had been diagnosed with XXXX and I knew I would be out more than usual. She DID NOT have any access to checks or writing any checks or paying any bills. In the following months my husband had some other health issue pop up and ended up passing away at the end of XX/XX/XXXX. Needless to day, I was devastated and it took me a month to get my head back in the game. At that point, our shop manger had almost destroyed our business and I had to let him go. Two of my old XXXX returned to help turn the business around. At the end of XXXX, I had a vendor reach out and tell me that I had an old invoice open. I checked my XXXX XXXX file and told them that I had paid that invoice back in XXXX. They informed me, that the check had bounced. Which I never received ANY notice of from US Bank. I had them forward to me what they received from their bank. At that point I asked my office gal to get out the reconciliations she had done because she must have done something incorrectly. She ignored my request for several days and on XX/XX/XXXX, I grabbed the statements from the file and started going through them. That is when I discovered She had been " Redepositing '' her direct deposit payroll checks, via mobile deposit at XXXX XXXX and XXXX XXXX XXXX XXXX, all of which were paid out by US Bank. These were NON-NEGOTIABLE payroll checks, that NEVER would have been accepted by a real teller. She hand wrote an amount next to the dollar sign and proceeded to mobile deposit them, over and over for a total of 37 times! I was at US BANK Saturday morning XX/XX/XXXX, filing fraud claims on all the checks. And filed a police report as well, since I did have her escorted out by the XXXX Police Department when she came into work the following morning after I discovered this. After waiting for 2 months! I received a letter from US BANK the first week of XXXX in which they denied my request because I was suppose to catch this earlier and they referenced the UCC 4-406 subsection c. However, subsection e state that if the bank failed to exercise ordinary care in paying the item then subsection c is void. This is clearly a serious problem with the mobile deposit software if it can not pick up NON-NEGOTIABLE on the signature line. At that point I contacted the US BANK sales manager for the state of Arizona and she tried to get them to do a " cash back '' against XXXX XXXX and XXXX XXXX XXXX XXXX. Today when she finally called me back, she informed me the fraud department was not going to budge because too much time had passed! It took them TWO MONTHS just to respond to my initial fraud claim and they sure show no signs of even trying to fix the issue. These NON-Negotiable checks were deposited not once or twice but 37 TIMES! For a grand total of {$20000.00}. I AM NOT to blame for this, this is clearly a mobile deposit issue with three different banks and this needs to be addressed and fixed! I have attached several copies of what these checks looked like and several of them were deposited multiple times. As a small business owner that has been with US Bank since XXXX and runs a million dollars plus through their accounts almost every year and who has never had one issue with their accounts. I am deeply troubled. Maybe if they had sent me a notice of a returned check, I would have caught it sooner. copied and pasted subsection e of UCC 4-406 ( e ) If subsection ( d ) applies and the customer proves that the bank failed to exercise ordinary care in paying the item and that the failure substantially contributed to loss, the loss is allocated between the customer precluded and the bank asserting the preclusion according to the extent to which the failure of the customer to comply with subsection ( c ) and the failure of the bank to exercise ordinary care contributed to the loss. If the customer proves that the bank did not pay the item in good faith, the preclusion under subsection ( d ) does not apply. | ||||||
| 08/13/2019 | Yes |
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| My loan was sold by XXXX, and purchased by US Bank. The payment was not transferred as indicated in my terms. I have spent at least 3 hours of my time speaking to customer service reps. I already paid for XXXX and I am set to pay for XXXX, but I have to say this is a bit of an inconvenience as I didn't expect to make a double payment. US Bank was showing that I owed a payment due on XX/XX/XXXX. While my next payment should be due on XX/XX/XXXX. Just as I filled this out I refreshed the page and the payment date was updated. Nonetheless, I think it is important for people to know their rights, they need to monitor their loans and keep good records. XXXX payment : The payment to XXXX was cashed on XXXX for XXXX. This is the payment that should have been transferred in the transaction, but was only recently moved. ( {$1400.00} ) XXXX payment : The second payment, to US Bank, was made on XX/XX/XXXX ( {$1300.00} ), a payment that US Bank applied as a payment toward XXXX. They said that they would be reporting me to the credit agencies if I did not pay in 3 days ( see below for details ) XXXX payment : The third payment, to US Bank was made on XXXX ( {$1400.00} ), applied as a payment for XXXX by US Bank. Conversation history : Saturday, XX/XX/XXXX. XXXX US Bank : XXXX XXXX XXXX : Told me that I needed to talk to XXXX and request an overnight transfer. He said he would waive the {$11.00} charge to pay over the phone if I had any trouble paying XXXX online. I assumed that I would be paying only for XXXX and expressed this. He agreed and said that if XXXX overnighted the payment everything would be fine. No mention of paying XXXX by a certain date. XXXX : XXXX XXXX : Told me that the department that handles the transfers would be open on Monday and that they would handle it then. She said that although there was an initiation of the transfer on the XXXX it had not been completed. She assured me that the request was sent to the proper department and that they would handle it on Monday, I asked at least 4 times. The payment should be at US Bank by Wednesday, XX/XX/XXXX. Monday, XX/XX/XXXX XXXX : XXXX XXXX XXXX : Told me that he saw the notes from the CS on Saturday, but since it was still only half-way through the business day that I needed to give it until midnight for the transfer to complete. I said that I would call back the next day to confirm, he said that it would be done by then. Wednesday, XX/XX/XXXX XXXX : XXXX XXXX : She said that the request was never sent to the department that handles transfers. She put me on hold for a while and said that she had talked to the transfer department and that they would be completing the transfer that day. Friday, XX/XX/XXXX XXXX : XXXX XXXX : Said that the transfer and request for transfer had never been put through and that they would not be doing the overnight transfer. He said that they never do that. He said that the transfer took place on the XXXX and that US Bank has the money, which contradicts the previous 3 CS reps from XXXX. XXXX : XXXX in XXXX NJ, XXXX 's Manager : Told me basically the same thing that XXXX told me. " Transfer already done, your bank has the money, no impact to you, you have to handle it with the other company '', etc. Saturday, XX/XX/XXXX US Bank : XXXX XXXX : No transfer has occurred. He said that it is my responsibility to get the money from XXXX, because I paid the wrong company for my XXXX payment and that they will be reporting me to the credit agencies in 3 days for being delinquent on my account. It didn't matter how I got it, he said that it was my responsibility to request the overnight transfer or that I had to have XXXX give me the money back so that I can pay them. ( I made the payment toward XXXX to avoid the hit to my credit ). Tuesday, XX/XX/XXXX XXXX notified me that they incorrectly applied part of my loan and the payment was just " sitting there '' because of the incorrectly applied payment. Thursday, XX/XX/XXXX I was notified that my payment was shipped from XXXX to US Bank. | ||||||
| 04/11/2020 | Yes |
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| Hello, I am reaching out in desperate need of help. I am hoping that I can tell my story and and someone will want to help a person who may not be big in this world but matters. I am a XXXX year-old woman living in XXXX XXXX XXXX. I recently started an amazing career back in XXXX. I live paycheck to paycheck and have always taken pride that I can pay my bills and take care of my family. I recently decided to open up a bank account with US Bank. I had previously banked there for 18 years. I left them due to a divorce. I had no issues with them and had overall good service for all those years so I decided to try them again. I opened the account on Sunday XX/XX/XXXX. There were a few system issues with switching my address from XXXX to XXXX but I was assured that everything was fixed and my address was updated. I deposited every bit of money I had to my name into this account. On Tuesday I had to go to urgent care and was diagnosed with the XXXX. I was very sick. I attempted to get my prescription filled at XXXX and my card was rejected. I called the bank and they informed me that I needed to come into the branch and speak with someone. When I got there they told me that they closed my account and could not give me a reason why. They said it was restricted information that they can't even have access to. I thought it would be as simple as asking for my money back. I was sadly mistaken. They told me that once the paperwork processed they would send me a cashier 's check. Through my tears of panic I pleaded with them to please find a way to get me my money. I had to have my XXXX. Plus I had rent and bills due that week. I was distraught, and could not believe that they couldn't help me. I left there empty-handed. I spent hours on the phone getting transferred from person to person and no answers. Many got angry with me for my frustration. No one wanted to understand the position that they had put me in. I had no money. luckily I was able to find a way to get my antibiotics so that I could get better. But as far as rent and bills I had to explain the situation to all of them. And this story sounded so crazy no one wanted to believe me. I had to pay a late fee on my rent and I am still trying to catch up on my other bills. I had to visit a couple food banks so that we had food on our table. Today is XX/XX/XXXX and I still do not have my money. Even after several updates to my address, they still sent the check to California. Because of their error I had to wait 15 more days for them to reissue a check and send it to my new address. That never happened. I make several calls a day in hopes to find that one person that has a heart and does what it takes to help me. All I get are people who can do nothing for me. Some of them even hang up the phone on me and say that I XXXX them and that I am not in the right frame of mind to talk to. I have never once XXXX them. Every word that was said was through tears and desperation. Due to the situation going on with the virus epidemic I was out of work for a while with no pay. I am now even more in need of my money that is rightfully mine. I have continued to try to call and make them understand how desperate I am. Still no answers or time frame on when I will receive the cashier 's check. And the people that closed my account and caused all of this are unreachable and untouchable. I am in beyond disbelief that a bank could do this to someone. I have never felt so victimized before. I am trying desperately to find another way to get this resolved as soon as possible. I'm struggling to keep my apartment and pay my bills. This is not a position that I've ever let myself be put in. Please if there is anything you can do to help me please reach out to me. Even if it's just some more resources that I can use. I feel like that I have been talking and no one is listening and that I do not matter in this world. But to my family that I support and take care of I do mean something. I sincerely hope to hear from you soon. Thank you XXXX XXXX XXXX XXXX | ||||||
| 12/08/2021 | Yes |
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| US BANK is run by a bunch of white collar criminals. CFPB would need to investigate into this bank 's operations. There is something highly suspicious about the way the bank is handling its retail operations. I lodged a complaint via CFPB against a team member who harassed me on the phone. The response I received from this bank is absolutely unacceptable because any reasonable sane person reviewing that phone call would not have responded the way this bank has responded via the CFPB platform. On XXXX I called this bank. I provided the reference number XXXX, that came via CFPB platform as a response to my previous complaint. The Card Member Services operator had no clue what this reference number is all about. I asked for a manager when the operator transferred the call to the security department. A supervisor from the security department picked up the call who also had no clue about this particular reference number. I insist CFPB to investigate into the operations of this bank, is this reference number XXXX even genuine? After I answered all the questions, the supervisor said she is not sure if she should unblock my account. It was surprising to hear that my account was blocked all this time and I had no clue about it. I told the supervisor that I have correctly answered all her questions and so she would need to unblock my account so we can go forward with the conversation to which she said she would need to further investigate. The supervisor was clearly not sure if she should unblock my account in spite of answering all her questions, and this is a " supervisor '' in the bank. She put me on hold and never came back. US Bank is the most pathetic bank on the face of this planet. I called the bank again. The self claimed supervisor named XXXX again went through all the verification questions which I correctly answered, time of the call XXXX CT ( time provided my the supervisor herself on the call ). I asked the operator if i would have to pay any fees in the event I choose to close my credit card, the supervisor was not sure... guess what! She is a " supervisor '' and she is not sure, she said she have to confirm it with her colleague. This just shows how pathetic the people are who work at this bank, it felt like I called some road side taco stall where no one knows what should be done. After speaking with her colleague, she came back to the call and confirmed that there is no fees to close this credit card. I asked her to close my credit card. She confirmed that she has closed my card and I won't be able to login anymore. The card closure confirmation number provided to me by this supervisor is XXXX - XXXX. After hanging up the call I noticed I could still successfully login into my account. Why didn't my credit card get closed!? Was this another type of harassment!? I called the bank again and this operator from the Card " Harassment '' Department, oops! I meant Card " Sevices '' Department said, based on the notes the call would need to be transfered to a specialized department. The call got transferred to another female operator who again started asking me all the verification questions all over again. I disconnected the call because this is simply harassment. After all this, minutes later I received an email from this XXXX pathetic bank stating that my card is reported lost or stolen. Attached is the screenshot. I reasonably believe that this bank is run by a bunch of pathetic and sick white collar criminals who doesn't hesitate to unlawfully disregard and play around with a customer 's official request of closing a credit card. I don't care what this bank says in their response, the fact is I have been repeatedly harassed by this bank 's operators and this harassment has been backed up by this bank 's XXXX office. I believe this is a XXXX attack on me from US Bank. I believe that this bank 's operators kept deliberately harassing me on the phone because I have an accent. I would sincerely request CFPB to officially investigate into the operations of this bank. | ||||||
| 01/04/2024 | Yes |
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Web | Servicemember |
| In reference to previously closed complaint XXXX. I appreciate your prompt response to my recent inquiries with the Consumer Financial Protection Bureau ( CFPB ) concerning my US Bank account. While I am thankful for the opportunity to engage in this dialogue, certain concerns persist and require additional clarification. Acknowledging the Notice Concerning the Furnishing of Negative Information to Consumer Reporting Agency signed on XX/XX/XXXX, I must reiterate that my subsequent communication on XX/XX/XXXX, explicitly exercised my right to opt out, citing both 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 6802 ( b ). This action revokes any prior authorization for the reporting of my personal non-public information to credit reporting agencies, rendering the continued reporting illegal. It is crucial to emphasize, as outlined in my original complaint, that the reporting of transactional history without proper authorization is excluded and deemed illegal under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). My opt-out request aligns with the Fair Credit Reporting Act ( FCRA ) provisions, and strict adherence is required, as supported by 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. The account in question constitutes an adverse item being reported without my permission, which is a violation of the law. In addition to the cessation of reporting, I reiterate my request for compensation in line with my initial demands. For each occurrence of reporting since the inception of my account, I am requesting {$1000.00}, along with {$25000.00} for pain and suffering and embarrassment arising from the unauthorized reporting. Moreover, the portrayal of different and inaccurate information by reporting agencies violates the accuracy requirements outlined in the FCRA. I demand an immediate halt to reporting on all credit reporting agencies, incorporating the opt-out rights stipulated in 15 U.S. Code 6802 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ), and 12 CFR 1016.7. I want to bring your attention once again to the inclusion of non-mailable addresses and non-callable phone numbers in the reported information. These inaccuracies must be promptly addressed, and such erroneous data should be removed. Once again, I am exercising my right to opt out, and I expect immediate action to remove all reporting, including transactional history, from all credit reporting agencies. Moreover, I wish to draw your attention to the Privacy Act of 1974, which governs the handling of personal information by federal agencies. While its direct application may not extend to private entities, the unauthorized reporting of my personal information not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns regarding privacy rights. I urge your immediate attention to these matters and a comprehensive resolution in line with both the FCRA and the Privacy Act of 1974. Your thorough review of my original communication and the relevant legal provisions cited therein, including 15 U.S. Code 6802 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ), and 12 CFR 1016.7, is crucial. Immediate corrective action is imperative to address my compensation demands, cease the reporting of any information to all credit reporting agencies, and rectify inaccuracies in the reported data. Considering the potential consequences of ignoring these requests, I must express my commitment to pursuing further investigation into the information transfer process as well as the illegal trading of my securities. Should these concerns persist, I am prepared to report US Bank to the Securities and Exchange Commission ( SEC ) for potential securities fraud and request a financial audit of things related to my account. I appreciate your prompt attention to this matter and anticipate a swift and comprehensive resolution. | ||||||
| 05/24/2022 | Yes |
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| Good afternoon, I fell into financial difficulty in XX/XX/XXXX due to unemployment as a result of the XXXX pandemic. I was without work for XXXX months. During my period of unemployment I reached out to my mortgage lender, US Bank, and was provided with the option to defer my mortgage payments and enter into forebearance. I moved out of my home and rented my property. I entered into forebearance for XXXX months, from XX/XX/XXXX- XX/XX/XXXX. I remained in contact with US Bank during this time and was assured this would have no negative effect on my credit rating and that the bank would help me resume mortgage payments without a derogatory rating against payment history when my financial situation improved. In XX/XX/XXXX I contacted US Bank to resume mortgage payments. It was my understanding the outstanding balance would be rolled into the remaining balance of the mortgage and payments would resume as of XX/XX/XXXX when I attempted to exit forebearance. I contacted US Bank on or about XX/XX/XXXX and was advised I would need to file for loss mitigation. I took the necessary steps and submitted all required documentation. I called US Bank weekly for an update. I was met with reassurances that this would be resolved and that I would be able to exit forebearance and resume mortgage payments. On XX/XX/XXXX I received a certified letter, a notice from US Bank " Notice of Default and Right to cure '' providing me with 30 days to bring my account current and to provide funds in the amount of {$65000.00}. I immediately contacted US Bank and was told it was a computer generated letter and while I was my application was in process my account would not be negatively affected. I continued to contact US Bank weekly for updates with no resolution. On XX/XX/XXXX, I communicated with the Escalation Center with US Bank via certified mail, outlining my concerns. I made three payments toward my mortgage, requesting that the payments be reflected as current ( XXXX, XXXX, XX/XX/XXXX ) so I could look at the possibility of refinancing with another lender. The amounts paid were credited to the months when I commenced forebearance, XXXX, XXXX, XXXX, XXXX. In XX/XX/XXXX I contacted US Bank and was informed that my loss mitigation application was void due to my having tenants in my home and that it was necessary for me to reapply. I moved back into my primary property at XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and as instructed reapplied to exit out of forebearance and to resume payments. I remained in contact with US Bank and on XX/XX/XXXX was advised by an agent that options would be available to me and a letter would be sent outlining my options. I never received notification of my options. I have however, continued to receive multiple notifications stating further documentation was necessary, which I provided. I also received multiple notifications stating my application was complete. The final piece of information was received on XX/XX/XXXX, stating US Bank was unable to reach a timely decision due to additional documentation from a third party, needed to evaluate my account for available customer assistance. Today I received a call from a US Bank representative stating I was denied assistance. The agent mentioned " short sale '' during the conversation. I asked for clarification and was advised that I would need to lodge an appeal by XX/XX/XXXX and to contact XXXX XXXX XXXX. In summary : * I am requesting to exit out of forebearance and to resume mortgage payments * I have the means and the income stream to resume payments * I have fulfilled all requirements requested by US Bank * I have been attempting to resolve this since XX/XX/XXXX * I do not wish my property to be listed for short sale ( this has never been discussed until the phone call today ) I have made multiple attempts to resolve this matter and have been met with inconsistencies and very little support. Thank you for your time and I look forward to hearing from you for next steps. Sincerely XXXX XXXX | ||||||
| 11/09/2018 | Yes |
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| Over the last three months I have been trying to settle a debt with US Bank for a Line-of-Credit charge-off that is stopping me from receiving a GRAD Plus - Student Loan from the Department of Education/Federal Student Aid. I learned of my debt late XXXX/early XX/XX/2018 when my financial aid was not dispursed in full. General information about the debt is provided below : Balance : {$1400.00} Account Status : Closed Last Payment : > 30 days Current Payment Status : In Collections/Charge-Off. I contacted US Bank to try to settle this debt and one more debt that I was unaware that I had on my credit report. US Bank Credit Card Department was able to easily help me in settling one debt over the phone with a settlement payment. I have confirmation that the account was settled on an official letterhead dated late XXXX/early XX/XX/2018. I was attempting to work with the US Line of Credit Department to settle the Line of Credit Debt that I had at the same time and it has proven much more difficult. First I updated my contact information from my prior state of residence to my new address in North Carolina, because I have not received any notification of my debt. When I initially called in XXXX, I was informed by an official named XXXX that I would be able to settle my debt of {$1400.00} for {$950.00} and that once I accepted that offer, I would have to pay it within 1 month before it expired. I waited a week to make sure I had enough funds to settle the account and called XXXX back to accept the offer at the end of XX/XX/2018. When I accepted the offer, XXXX transferred me to the settlement payment department. When I attempted to make a payment over the phone, the representative over the phone told me that US Bank was unable to take a settlement payment from me because my debt is out of the North Carolina Statute of Limitations ( the state has a 3-year window for creditors to collect on a debt, if the time passes the creditor can no longer ask for/accept payment for a debt ). During this time, I became a bit frustrated because I was trying to settle the debt and was under the assumption by the bank that they would allow me to make a settlement payment. I was trying to find out from the representative if she knew of any other way to resolve my debt within the Line of Credit Department. She did not provide me with any instructions or information. Since there was this problem, I called the general US Bank Customer Service Department and she was able to get a hold of the Line of Credit Department and have them open an appeal for my settlement offer. She also gave me the number of a manager named XXXX to call in the next week regarding my situation. The following week I called XXXX and the Line of Credit Department every day to try to take next the necessary actions. I continually left voicemails with my account number, social security number, and contact information. I never had my calls returned. After a week and a half, I called the Line of Credit Department to re-explain my situation and was able to talk to a representative that told me I need to submit a written letter to the Department to get my issue addressed on an official bank letterhead. I received the XXXX XXXX Address I needed, so I can ask the bank to take action to delete my LOC Charge-Off from their records since they can not accept a settlement payment from me since I live in North Carolina and the age of my debt exceeds the Statute of Limitations. The address the representative gave me was : US Banks LOC Department Complaints XXXX. XXXX XXXX XXXX, OH XXXX I sent a letter to the address above on XX/XX/XXXX. The Department of Education/Federal Student Aid requires the submission of bank statements on an official letterhead to consider it a valid documentation for a credit appeal. I thought this would be the best way for me to get an official statement from US Bank on the status of my account and any final steps we can do to close/settle the account and permit me to get my GRAD Plus student loan. | ||||||
| 10/17/2017 | Yes |
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Web | Servicemember |
| I have a car loan with US Bank. On XXXX XXXX, XXXX I mistakenly made a payment with an additional digit. My normal monthly payment is {$1000.00}. Due to my error I paid {$10000.00}. I contacted my primary bank on or around XXXX XXXX. XXXX XXXX to ask if they could stop the payment. XXXX XXXX was very helpful and explained the item had posted and that we needed to work with Us Bank. I called US Bank and asked for assistance. The representative was polite and stated she could fill out a claim. I waited two weeks and got a stock letter stating the claim was denied and to work with my primary bank XXXX XXXX. I then called XXXX XXXX representative, the representative explained how the funds should be managed and offered to call US Bank an stay on the line with me. We explained the error, and the US Bank representative was courtesy and helpful. She explained they would open a claim for the error and work to return the funds via a cashier check. She did explain I would have to make my normal payment of {$1000.00} so the funds could be returned without causing a past due bill. I made the additional payment on XXXX/XXXX/XXXX. After waiting 3 weeks for any check or response I contacted US Bank to follow up. I was told the claim was " closed '' and no further steps were required, and the representative advised me " well is n't it nice you do n't have a payment until XXXX/XXXX/XXXX, and maybe I should keep paying monthly and have the car paid off early ''. She basically ended the call stating that I made the error and that they could do nothing, and that I had no consumer rights. I find this confusing as the payment was sent via ACH and I believe Reg E provides protections. At this point I called my primary bank XXXX XXXX to see if they could file a claim on the ACH Item. They explained that they could not do so, but once again asked me to stay on the phone and contacted the resolution department at US Bank. The operator was courtesy and helpful, and once again said - yes it is clear this is an error and you are current on your payments. She stated she needed to complete a claim and add additional information. We were on the line for approximately 30 minutes. At the end she stated to keep making my monthly payments and that I should expect a check mailed to my home in 2 weeks or so. On XXXX XXXX I received a letter from US Bank. The signature is from XXXX XXXX a loan and lease specialist in the Consumer Loan and Lease Operations area. The letter basically states that the amount is to high for them to do anything with to work with my originator. This is simply unacceptable, US Bank has held my XXXX for almost 3 months. They have repeatedly stated " keep making payments '' even if not due and we will return the funds. Personally the pressure to keep making payments that were not due to return the funds seems very much like a UDAAP issue. They have repeatedly stated the issue could be resolved ( if i provided more funds ) and then decided to decline it with no phone call - but a generic letter with no details. They are also very aware that I was working with my primary bank and we conducted three way calls to try and resolve. To be honest, I can live without the XXXX. My complaint is the way that the bank handled this and repeatedly mislead me to continuing making payments to insure the funds could be returned. Also, a recent PEW study highlighted how challenging it is for a large number of Americans to cover an unexpected expense. How would a lower income individual handle this situation? I can only wonder how many consumers make a innocent error in submitting an ACH payment, or Check payment or Bill Payment and have no recourse. My accounts are all in good standing with no negative items. I am requesting US Bank review their call logs and verify what the representatives stated on numerous calls. I am requesting that the CFPB consider if the practice of " keep making your payments monthly - or we ca n't return your funds '' is a UDAAP practice. Thank you for your time. | ||||||
| 10/02/2022 | Yes |
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Web | Older American |
| I've had 3 commercial real estate loans with US Bank since XXXX A couple years ago when I had saved up enough money, I wanted to pay off the XXXX loan. The balance was ~ {$450000.00}. I also asked for a line of credit on the property of {$250000.00}. The property was worth {>= $1,000,000}. Over the last 12 years my loan payments have been taken out of my bank accounts automatically. Never a late or missed payment. Additionally I deposit close to {$30000.00} per month in the bank and have over {$400000.00} in 5 accounts earning practically nothing in interest. My credit history is perfect. I have plenty of credit history and have never been late with a payment in 50 years. I have had no revolving credit debt for 20 years. Only these commercial real estate loans. Even though the money to pay off the loan was in an account at US Bank, they delayed paying of my mortgage FOR MORE THAN 6 MONTHS! They played games with me. They lied to me. They held me XXXX! They required me to provide them with detailed personal financial statements, bank statements, and tax returns. They required rent rolls and business financial statements FOR THE PROPERTIES THAT THEY HAD BEEN RECEIVING {$30000.00} MONTHLY FROM FOR SEVERAL YEARS!! Just to pay off a loan and put a {$250000.00} line of credit on a free and clear property worth {>= $1,000,000} that was depositing {$9000.00} per month in US Bank! After being abused by them for several months it occurred to me that they could have paid down my mortgage to within a XXXX XXXX XXXX immediately, to save me from paying interest on a loan that I was prepared to payoff. A month ago I decided to pay off the other two loans. I have been in contact with a personal banker by email and by telephone and he is playing games with me again. He keeps calling me and pressuring me to give them my personal financial statement and tax returns and rent rolls and business financials because my loans term on XX/XX/XXXX. When I ask tell him I want to pay off my loans or ask him questions about how to do it he ignores me, doesn't reply to my emails or return my phone calls. This is like dealing with a loan shark. I'm flabbergasted that US Bank would employ these types of tactics to gain a few more dollars in loan interest. I have paid them ~ {$250000.00} in interest over the last 10 years on these loans. The only reason I didn't pay them off sooner is that they lied to me about the prepayment penalty when I got the loans. They told me, in writing, that if prevailing interest rates were the same or higher than my loan rate there would be no prepayment penalty. They called it " Breakfunding ''. After 8 years, when I asked about paying off my loans, 10 year interest rates were higher than my loan rate, but when I got the payoff statement they billed me XXXX XXXX XXXX prepayment penalty per property. When I aksed why, they told me that they compare my loan rate to the rate for a loan that is the same length of time as is remaining on my loan. So, they are comparing apples to oranges. They claim they are " forced '' to loan out the money ( after a payoff ) for the length of time that is remaining on my loan that is paid off. So, I had 10 year loans. If I wanted to pay them off after 8 years, my 10 year loan rate was competing against a 2 year loan rate. Either they're lying to me now, or they lied to me about " breakfunding '' when I got the loans. Now, short term rates are higher, so there is no PPP. But US Bank is once again stalling ; preventing me from paying off my loans so they can continue to earn interest on them. There must be some law, some federal regulation against this. I would like to see them prosecuted. It's such a foolish practice, expecially in my case. They couldn't ask for a better client. They have already made so much money from me, and enjoyed my accounts containing $ XXXX for the last 10 years paying me virtually NO interest! I'm really offended. US Bank has been extremely disrespectful and quite possibly guilty of violating consumer protection laws. | ||||||
| 10/16/2023 | Yes |
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| XXXX : Husband 's card ending in XXXX was rejected at a store when trying to make a purchase. He called US Bank and they told him there was " suspicious activity '' with his card and he needed to " close '' it and get a new one. Went to nearest branch to get a new card. They gave him a temporary card and " canceled '' the one they thought was jeopardized. XXXX : Our account was overdrawn which was unexpected. This prompted a closer look at the account and we noticed unauthorized purchased being used with the " closed '' card ending in XXXX. We took precautions and closed any activity from going OUT of the account, but they left it open so they could refund the money to the account. We had to open a new account to pay the bills. XXXX : Went to a bank branch to investigate and found 101 purchases made with the " closed '' card ending in XXXX. All of the purchases were made on a XXXX in our own home. The purchases were made for virtual items ( outfits for a game character ) made by our son with XXXX. While purchases were made in our own home and with our own child- he is still a child, he is NOT the owner of the account or the card and is not authorized to make those purchases. XXXX : Talked to XXXX in the fraud department. She said we needed to wait 1-3 more days for the pending purchases to process. While on the phone with us, she looked closely at our account and saw that my husband had 7 " suspended '' cards. I don't have the dates for each of those cards being " closed '' because they won't tell me that but they ALL followed the same pattern as the event in XXXX previously noted- *husband tries to buy something *card gets rejected *US Bank says there is suspicious activity *US Bank closes the card and gives him a new card. We didn't think anything of it, other than maybe someone had his personal information and we thought US Bank was catching this for us. Now, hearing that the cards were never closed in the first place AND that somehow the card was reactivated without either of the owners of the account giving authorization, I feel like there is more to the story. XXXX closed all of the " suspended '' cards and assured me that we only had the 2 debit cards active. XXXX : XXXX in fraud department gave me a tracking number and said everything was approved for refund. XXXX : Called to check on status of account since it had been about a month. Spoke with XXXX on the fraud team. She said she would initiate a case in the next 48 hours. She didn't know why things had not been initiated yet. Got my first letter from collections : XXXX. Had to pay them to release funds. Credit score took a hit. XXXX : Called to talk to the fraud department again since there still hadn't been any communication from them. I was transferred to debit card disputes. Spoke to XXXX who said she would send us the paperwork we were still waiting for. Said they would send it, checked out mailing address. She said she would call back in 24 hours. We never got a call or the letter they were sending. XXXX : Talked to XXXX in Fraud department. Got transferred to member claim support. XXXX told us that we weren't answering their calls and to expect a call from XXXX or XXXX prefixes. Checked with XXXX records and didn't see any calls with those prefixes. Said they would call in 24 hours. Got another letter from XXXX ( collections ). Paid them but credit score took another hit. ( sorry, I don't know the date that this letter came ) XXXX : Called debit card fraud line and was transferred to XXXX. I told her the background information. She told me that because the purchases were made by our son, they had closed our case. I asked to speak to manager. They transferred me to supervisor named XXXX. He was horrible. I really hope someone listens to the recorded call because he was rude, mean, and condescending. He told me it wasn't their problem. They would not help me. I told them that I would get a lawyer to help me get my money. He laughed at me and basically told me that I was out of luck. | ||||||
| 07/02/2019 | Yes |
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Web | Servicemember |
| I have been given false facts by the US Bank National Association. I received a response letter from this bank, by mail, on XX/XX/XXXX, in regards to their reasoning why I was issued a US Bank Visa Signature Credit Card ( the card I did not initially apply for, with a credit limit of XXXX dollars, which card number ends in XXXX ), as a replacement card to the initial XXXX Visa Signature Credit Card ending in XXXX. I came across this article on the internet, while performing research on methods of obtaining an XXXX Visa Signature Credit Card. Your bank added on the XXXX dollar credit limit, in the explanation letter, to make it look as if the US Bank Visa Credit Card is the same card replacing my XXXX Visa Signature Credit Card ( the credit card that was in my possession at that that time, account number ending in XXXX ). What is the Minimum Credit Score Needed for an XXXX Credit Card? XX/XX/XXXX | Author : XXXX XXXX [ O ] XXXX is a well-known store for purchasing office and home office supplies. The company also issues an XXXX credit card called the XXXX Visa Signature Card to pay for those purchases and earn rewards. It is a card designed for people who buy office products on a regular basis and want to enjoy special benefits. The XXXX credit card gives you extended financing offers where you are not charged the regular APR until the introductory APR rate expires. You also get 3 points per {$1.00} that you spend at XXXX and one point for other purchases. You are given XXXX bonus points after you use your XXXX credit card for your first purchase. The card is issued by U.S. Bank National Association. The introductory APR is 0 % for the first year. It then reverts to the regular APR, which is between 9.99 % and 23.99 % based on your credit history. A higher interest rate is used for cash advances than for purchases. This XXXX Visa Signature credit card has no annual fee. If you are approved, you are automatically considered for the XXXX rewards program where you can receive an additional five points for each {$5.00} spent on purchases from XXXX. To be approved for this card requires a good credit score, which is generally around 680 or higher. However, the issuer takes into account several factors, including your employment and income as well as your history of making payments on time. This is a good credit card for users who purchase a lot of office supplies and want to earn rewards. It is also a great option if you already have good credit and want to add a second credit card or to continue building on your credit history. To get the most benefit out of a rewards card, you want to pay off your balance before the end of the introductory APR period. This prevents you from paying extra on interest so that you can enjoy the full benefits of the rewards you earn. It also helps improve your credit score because you prove that you can pay off what you owe rather than carrying a balance or maxing out your card. US Bank National Association, is again using add-ons to information, in order to mislead the consumer into thinking that the replacement card offered is the same card with the same benefits. I owned the XXXX Visa Signature Credit Card ending in XXXX ( the credit card that could only be used in the XXXX Store ). I was given the US Bank Visa Signature Credit Card ( the credit card ending in XXXX, with a XXXX dollar credit limit ), to replace the XXXX Visa Signature card ending in XXXX. This tactic is being used to again pull hard earned monies out of my pocket and keep me in financial debt with their company. My accounts have been placed in XXXX XXXX XXXX, XXXX. hands to continue their mission in ruining my credit rating, by taking me to court and not trying to meet me halfway with a reasonable and reachable settlement offer. I was knee deep in credit card debt that time and there was no way I could have met the criteria needed to obtain the US Bank Signature Credit Card ending in XXXX. Please look into this matter, Thanks, XXXX XXXX ( Formerly, XXXX XXXX ) | ||||||
| 05/24/2023 | Yes |
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Web | |
| On XX/XX/2023, I accidentally purchased the wrong tickets through XXXX for an event on XX/XX/XXXX. When the confirmation came through, and I realized what I had done, I contacted customer service right away through XXXX XXXX. I told the person named XXXX what I had done and asked if I could get a credit so I could buy the tickets I meant to purchase. Over a few days of begging for a resolution, she continued to say all sales are final, there was nothing she could do so I disputed it with my credit card 's issuer - Elan Financial Services. I eventually received a letter from card member services dated XX/XX/2023 with a rebuttal letter from XXXX with a request to provide a signed, updated letter addressing the merchants response. XXXX rebuttal included their refund refusal details which outlined their XXXX XXXX policy this policy means the customer can return tickets up to 72hrs before an event in exchange for a XXXX promo code - essentially a credit. XXXX rebuttal letter basically alleges that I asked for a refund when I had the option of using the XXXX, therefore suggesting I failed to take the option available to me. However, in my response letter I mailed to card member services on XX/XX/2023, I provided proof via copies of the transcripts showing that XXXX customer service rep specifically stated, your order is not XXXX eligible when I asked for a credit. When I followed up with card member services on XX/XX/2023, the lady said that the letters asking for a response is just a standard letter, and they already made up their minds without taking note of further information to prove XXXX was in the wrong ( which I find to be a scam itself ). I asked to speak to a supervisor, and she said no. I do not believe that card members services took the time to properly investigate the dispute as she kept saying the vendor said all sales are final no refunds. Again, I didnt ask for a refund, I wanted a credit but was continually told a credit wasnt possible, yet XXXX turned around and claimed I didnt take advantage of XXXX. On XX/XX/2023, I emailed XXXX customer service and cc 'd the co-founders, XXXX XXXX and XXXX XXXX, to bring the issue to their attention. I received an email from customer service rep XXXX saying he'd personally look into the matter. Then received a response later that day from customer service rep XXXX stating that all sales are final - didn't acknowledge the XXXX eligibility they included in their rebuttal. Why include that in their rebuttal highlighting the XXXX policy section then turn around and say " all sales are final '' - it's totally contradictory. This company touts something it doesn't actually offer or honor - " XXXX XXXX '' - which, according to an online article, was meant to offer customers peace of mind when ordering tickets by XXXX taking on the risk. However, XXXX does not appear to actually offer/honor this. The XXXX policy is hidden within layers of FAQs so if you don't know about it, you never will. The visible information about returns/refunds etc say " all sales final. '' It's a total ruse, and I believe demonstrates a fraudulent business practice. To simplify : 1. Card member services failed to thoroughly investigate. 2. Card member services failed to consider my updated letter with evidence. 3. Card member services suggested I complain to XXXX and card member services complaint department which makes absolutely no sense as neither entity has been forthcoming. 4. XXXX customer service told me a credit wasnt possible and specifically stated it was not swaps eligible. 5. XXXX rebuttal cited the XXXX XXXX as their reason for refusal. 6. XXXX customer service said all sales final. 7. XXXX cant get its story straight either it offers a XXXX option or all sales are final pick one and stick to it. It wasnt until after my unfortunate and costly experience, that I noticed all the negative reviews and similar experiences with this company as well as Elan Financial Services. Lesson learned. This was also reported to the FTC. | ||||||
| 07/17/2018 | Yes |
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| On XX/XX/2018 I applied for a US Bank XXXX XXXX card. While overall I have been very happy with the card and the customer service, the reason for this complaint is the welcome bonus offer that comes with the card. Specifically, this card features a one-time XXXX point sign-up bonus when purchases totaling {$4500.00} or more are made to the Account within 90 days after account opening. Having waited the required 8 weeks for the sign-up bonus points to post, I contacted US Bank on XX/XX/2018 inquiring about the points. They advised that I did not meet the spending requirement. Because they claim my account was opened on XX/XX/XXXX, and because my purchases took place on XX/XX/XXXX ( 91 days, not 90 days after that date ) they were deemed ineligible for the bonus offer. I would like to make two points in this complaint which, given their validity, would make my account eligible for the XXXX bonus points offer. Issue # 1 : Account Opening Date The account opening date stated by US Bank of XX/XX/XXXX is inconsistent with other information conveyed to me by their online and phone systems. After applying for the card, I made several calls to the US Bank automated application status line on XX/XX/XXXX, XX/XX/XXXX ( including very late at night on XX/XX/XXXX ), and also in the morning on XX/XX/XXXX. Finally, on this XX/XX/XXXX call, my account status was approved. The status on XX/XX/XXXX was definitively still pending for all calls I made. It would be unreasonable to consider an account " open '' while the automated application status line said it was still pending review by a credit underwriter. Even if US Bank did consider the account to be open on XX/XX/XXXX, the automated status line was incredibly misleading and it would be unreasonable for US Bank to consider an account opening date any earlier than XX/XX/XXXX for the purposes of the sign-up bonus award. This would mean that I had until XX/XX/XXXX to meet the sign-up bonus terms, as opposed to XX/XX/XXXX. Issue # 2 : Transaction vs. Post Date Upon a review of my transaction history, I did place 22 transactions with my credit card totaling exactly {$4500.00} from account opening until XX/XX/XXXX. While US Bank denying the bonus offer was not based on this factor, I will note that 3 final transactions ( {$50.00}, {$450.00}, and {$33.00} ) were made in the morning on XX/XX/XXXX ( the final day to make a transaction and be eligible for the offer ), but show a posting date of XX/XX/XXXX. To be clear, the requirements of the terms and conditions are that purchases " are made to your Account '' as opposed to " posted '' to the account in 90 days. These three purchases absolutely should qualify and would subsequently mean that I met the offer terms. It should be clear from US Bank 's records that all of these transactions were made early in the morning on XX/XX/XXXX ; however, I am happy to provide any receipts upon request. I am also entirely confident that the charges from these merchants ( not just pre-authorizations ) went through on XX/XX/XXXX, and it was only the posting date claimed by US Bank that was a day later. I acknowledge that these transactions cut extremely close to the deadline, and ideally I should have done the transactions a couple days earlier ; however, given that I did meet the offer requirements -- albeit by a razor thin margin -- I believe I am entitled to the points associated with this offer. To be clear, I believe there is no negative intent of US Bank regarding the account opening date being a day earlier than their systems indicated. The same goes for the posting date of XX/XX/XXXX as opposed to XX/XX/XXXX. That being said, in determining whether to award this offer the account opening date was incredibly misleading based on the application status line and the terms state very clearly that a transaction simply must be " made '', not posted in 90 days. I am fully willing to cooperate with US Bank to provide any documentation or any other information in order to resolve this matter. | ||||||
| 05/02/2018 | Yes |
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| I contacted U.S. Bank mortgage divison and spoke with a representative to get the fax number, to send up my borrowers authorization/ Power of attorney, and to go over the processes/ procedures in requesting a goodwill of removing three mortgage lates off the clients credit report. On XX/XX/XXXX, I fax in goodwill letter and all documentation related to the events that occurred. On XX/XX/XXXX, I had call back to the mortgage servicing department to confirm they have received all the documentation that was sent by fax. The representative did confirm that they received all documentation and again reminded me that it would take 7 to 10 business days for the credit reporting department to make their decision. On the seventh business day I reach back out to the same department and another representative had confirmed that decision had gone in our favor. She proceeds to informed me that it would take up to 60 days for the lates to be fixed on the credit. At that point, I asked her if she had the ability to have a letter generated reflecting the credit decision of removing the lates and faxed to me. She stated that should not be an issue. When I had not recived the letter the following day, I reach out to the customer services department again. I spoke with a different representative and she did confirmed that Credit department did reverse the negative marks on the credit report and she would put in another request to have a letter sent to me by fax and or email. At that point, I confirmed with my client that the lates were in the process of being removed. The following week on XX/XX/XXXX, I called U.S. Bank once again and informed them that I still not received the Letters. The customer service rep looked back through the notes, confirmed all of the conversations that I had with the previous Reps. She also confirmed that I was supposed to be receiving a letter showing that the lates have been remove off the tradeline. she placed me on hold for just a few moments, then proceeded to have the letters faxed. Once I receive the documentation from the credit department, I was very shocked and confused. The documentation I had received did not reflect the original credit decision provided to me by phone. Nor did the paperwork reflect anything regarding a request of goodwill. All the letter stated was that the late were accurate and then if we had any other issues regarding these leaks we were more than welcome to mail a dispute in. I called and spoke to several different types of representatives including supervisor and a complaint representative. No one could tell me anything, except we are looking into the matter and we will open an investigation, which will conclude on XX/XX/XXXX. Unfortunately, I became upset and did raise my voice, which was not the correct response. I have three main issues with this situation : 1 ) Did the credit dispute department bother to read the paperwork that was provided to them or did they just look at the notes on the account. And If that was the case, why bother to gather any information or put together any type of request. 2 ) Why do I have three different representative telling me that the credit decision went in my favor? I would also like to know, why the supervisor is unable to take a look at the notes that were in the account and answer that question immediately instead of giving me a very rude response and passing me off. 3 ) If US Bank does not good will any lates off a credit report, then why would US Bank have a procedure in place for that type of request. I believe that I'm being discriminated again, because of the amount of loan I have with US Bank. It seem everything was just fine and they were willing to work with us, until my mortgage broker called in and requested a payoff. They are doing everything available to keep me with them. I did research regarding goodwill payments and I found that US Bank has done a lot of good willing lates off a credit report due to natural disasters issues like mine and other reason. | ||||||
| 09/12/2022 | Yes |
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| So around mid XXXX around the XXXX maybe I noticed that as soon as I received the text saying that I got my child support that I received another one saying that my balance was zero this also happened on XX/XX/XXXX prompting me to call into US Bank who told me that they could not do much but disputed cut off my card and send me another card it took about 2 weeks to get the card in about 2 weeks after that to finish the dispute as that happened the month of XXXX 's child support came in too and they replaced that which they had lost the first time as soon as they did that it was all transferred out within minutes of me getting it. Again I called complaining to US Bank telling them that it has to be internal that I had my car and that nobody knew the number they said again they will cut the card off and send me another card but this time they will send me a password to change my website connection the password that they send me would not let me into the website because the culprits had changed my address the number that the Text come to in my email address. For the next month each time they will put the money on it would be taken via electronic bank transfer. I called back in at the end of XXXX to file another dispute telling them that this way is not working could I get a paper check they told me that all they could do is cut off the card and send me another one and put a password on my account on XX/XX/XXXX in the Mr traveling into my grandmother 's funeral I tried to make a purchase to get some gas and found out that {$2000.00} had been taken off the card once again. I promptly called the dispute company and told them and they made me go through the process again still not fixing it I asked him for a paper check and they said they would look into it and talk to their supervisor. On XX/XX/XXXX while I was walking through the process with a supervisor teaching me how to load it and take it off the card while she was on the phone they stole it again and stole {$2000.00} again for me. This time while supervisor was on the phone with me she told me she will probably start to dispute but then we were disconnected I waited for like a month and then I called back asking about the dispute and they said that I hadn't started a dispute and that they would start it on XX/XX/XXXX. On XX/XX/XXXX I called again and said that I had just received the dispute papers and was filling them out and turned them right back in on XX/XX/XXXX. I waited a couple days then called in on the XXXX to find out the status and they said that they had not received them yet the woman was wondering why it hadn't been received and she took a particular note on it told me to call back on that Tuesday which was the XXXX I called back and they said that it hadn't been logged in the car back in a couple more days. When I call back they said that there was an error because I waited too long to file to dispute. It's in the next couple of weeks I kept calling to check back on the status of it and the file anymore documents that I needed to and then on the XXXX they told me that my dispute was not processed and that they would send me the information telling me why they didn't ever send me the information they sent me a piece of paper saying the exact same thing they said after which I filed a complaint with the trade commission with identity theft.gov and with the police about the police report the police officer woke me up to US bank and talked to a supervisor and they said that US Bank relied card is in a separate building they gave us all the information and tried to call but even then she was 27 people in line and queue I tried to call for my phone I was 40 and the police officer try to call from his phone and he was 37 after several attempts to fix it the police officer said he would write it in his report and I begin to file my complaint with y'all said he would even follow the suspect least if US Bank would provide it because he sees that I can't do it cuz of the speed of which is withdrawal | ||||||
| 06/13/2023 | Yes |
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Web | Older American |
| The bank will not take my outstanding payment of {XXXX} for a closed checking account. You heard me correctly. Apparently, no one at U.S. Bank knows how to take a payment owed to a closed account that appeared as some fee or charge after the fact and after everything was supposedly cleared and settled. The letter I received is threatening to discontinue services, report me to credit reporting agencies therefore ruining my credit, send current outstanding bill to collections therefore ruining my credit, yet they have no way for me to settle this debt. After spending hours and hours being transferred from one customer service representative to another over the phone, they finally admitted that they have no way to take my payment and that they don't know how to do it because something is blocked due to the account being in closure. I called my branch and asked if they could take the payment in the bank and XXXX said he couldn't do it in the system but that if I walk into the branch he will take the payment and give me a hand-written receipt. A hand-written receipt means the payment will not show as being " paid '' in the system meaning it will still be an outstanding debt, even though all my checks were cleared and paid and I have no idea what it is for, I am just trying to settle this ridiculous charge that nobody knows how to process and resolve for me before this horrible bank sends this to collections to ruin my credit because they don't know how to take a payment for a closed account. I'm a retired senior who pays all my bills yet the bank can't give me a person with the authority and knowledge to take a {XXXX} payment I am willing and trying to pay. I have a XXXX XXXX with this bank yet they are threatening to ruin my credit and report me to collections over a {XXXX charge that they are too inept and inefficient to collect from me. I once again attempted to pay the outstanding fee by walking into the U.S. Bank closest to me on XXXX XXXX XXXX today ( XX/XX/2023 ) to try and resolve this debt. Again, no one would take my payment including the branch manager. I waited over an hour while she was on the phone. She informed me that now, because of the {XXXX debt that they are giving me no way of paying, that they are going to take the payment from my XXXX account as well as close that account. This means that the XXXX will not only not be allowed to mature as stated in my contract with the bank, but that since they are closing this account as well for no reason, I will forfeit about {XXXX} as an early withdrawal penalty. My XXXX recently passed away, my XXXX died of a XXXX, and my best friend died of XXXX all within the same year. I never imagined that a bank would resort to these unfair practices, especially with a senior citizen who has done nothing wrong. I have a contract with the bank and I wanted to leave the XXXX alone until maturity but the bank is now ruining that for me. The teller at my branch talked me into the XXXX which I didn't mind. but now I'm starting to realize that the bank is profiting on customer early withdrawal penalties that they are making by unexplained account closures, unexplained fees ( XXXX ) that were added after my account was already resolved and closed by their bank teller with a XXXX balance and no outstanding checks. No explanation for closure, my XXXX XXXX account I wanted to leave alone until maturity in XXXX that now is going to cost me money. I am nearly XXXX XXXX XXXX and alone. I have been crying every single day over how this bank is refusing to help me, won't take my payment for an unknown charge, is threatening my credit and ruining my XXXX account that they talked me into investing in. I had to get another bank which has been fine so far but U.S. Bank has made my life miserable and for no reason other than to illegally profit off my XXXX account I will end up making nothing as I was supposed to. This is a rotten thing to do to good customers that have had an account over a year without any problems. | ||||||
| 01/05/2022 | Yes |
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| In or aroundXX/XX/2020, I opened a checking account with US Bank after being approved ONLINE. I went to the US Bank branch # XXXX located in XXXX XXXX, CA to make the qualifying deposits required to open the checking account. I met with consultant XXXX XXXX ( XXXX ID XXXX ) to complete this process.Shortly after, I was sent a debit card ending in XXXX that was linked to this checking account. Once my checking account had sufficient funds in it, I applied for a US Bank secured Visa card, which required a deposit of {$300.00}, which i transferred into the secured Visa account from my US Bank checking account. I am a self-employed domestic caregiver/ housekeeper. In early XX/XX/2020, I did a housekeeping/organization job in XXXX XXXX XXXX CA for a young woman whom I'd just met through a mutual associate. As far as I know he, the woman was named XXXX XXXX and lived with her father in the house I worked at. At the end of the almost XXXX hours of work, XXXX gave me a check for {$700.00}, which I realized later was written/signed by the man ( or so I assumed ). I deposited the check on or around XXXXXX/XX/20208pm using the ATM at the US Bank branch located in XX/XX/XXXXXXXX , CA. In the following days, I learned through casual conversations with friends about the work I had done- that XXXX XXXX had " ripped them off, '' or was shady in her business dealings. Because of my fears that the payment might be unsound, I WENT TO BOTH MY BANK BRANCH AND THE US BANK IN XXXX, CA TO ALERT STAFF ABOUT THE CHECKS POSSIBLE FRAUDULENCE. It wasn't until i talked to a consultant at the XXXX branch that I learned that my checking account was already placed on hold-DESPITE SHOWING A POSITIVE BALANCE of ABOUT {$350.00}. They told me that it was INDEED because of this check that my account was on hold. I was NEVER NEVER contacted by ANYBODY at US Bank concerning ANYTHING regarding the check OR a hold or my account being closed. I did ALL of the reaching out to XXXX and staff. After having the {$350.00} sitting in my account for over 2 weeks ( but NOT being able to access it or get ANY logical answers ), the staff at US Bank 's customer service phone line told me that the account was set for closure on or around XX/XX/2020, and a cashiers check with the remaining balance would be sent to me WITHIN 3 DAYS of the closure. On XXXX i contacted the customer service line again, only to be told that the account had actually closed on the XXXX, so I could expect the check within 3 days of THAT date. The US Bank representative even confirmed the proper address to mail the cashiers check to. New Years came and went with NO CHECK, NO ATTEMPTS TO CONTACT ME FROM US BANK OR MY BANKER, XXXX XXXX ( I also sent her emails and made phone calls and visits to the branch on various occasions in attempts to resolve this issue- to no avail ). So, on XXXX-ONCE AGAIN- I called US Banks customer service line to track the check. This time the representative told me that my cashiers check was being '' HELD IN A SECURE ACCOUNT, '' and that I would NEED TO GO INTO A BRANCH TO RETRIEVE THE CASHIERS CHECK..!!!! WHAT!?? All the while, my secured XXXX, which of course is linked with the now CLOSED checking account, is past due and im sure accruing late fees- not to mention any and all automatic payments I have linked with the checking account. I followed US Banks policy by ALERTING THE BANK OF MY WORRIES ABOUT THE CHECK WITHIN 60 DAYS OF DEPOSIT/DISCOVERY OF POSSIBLE FRAUD. My understanding of US Banks policy is that the account holder shall NOT be held responsible if its reported within that time allotment. Since US Bank failed to make ANY attempt to contact ME, I believe that this Bank has probably made it a regular practice to quietly close accounts WITHOUT ANY ATTEMPT TO RESOLVE ISSUES BY CONTACTING THE ACCOUNTHOLDER, likely in attempts to gain the funds in the accounts in question. I'm positive if looked into, there WILL be evidence of such conduct on behalf of US Bank and its representatives. | ||||||
| 07/20/2021 | Yes |
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| To Whom It May Concern, I am writing this letter to dispute the recent reporting by US Bank to XXXX, XXXX and XXXX as a misrepresentation of my creditworthiness. This reporting has significantly impacted my credit score.I am requesting that the information be reclassified as a misreport so that my credit score returns to its former higher score. On XX/XX/XXXX, I was informed by my company 's IT professional that hackers have your credit card number, home address, telephone number, DOB, insurance details, etc.. Immediately after receiving the email I called the only two credit cards I have -- US Bank and XXXX XXXX, to cancel the cards. I do not have written proof of these calls as they were only telephone calls. The XXXX card was immediately cancelled, and a new XXXX card was issued. I rarely use the XXXX XXXX XXXX XXXX ( US Bank ) card, so I did not notice that the new XXXX card was not replaced. As soon as my bank opened that morning I closed and reopened both savings and checking accounts to protect my personal financials. I also contacted a bank that had recently preapproved me for a mortgage in case any of the activity could impact my credit score. At that point, I thought I mitigated the risk and could move forward without negative impact. On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had gone down nearly 100 points. When I checked XXXX XXXX, I found that US Bank had reported my account for non-payment. I immediately called US Bank and paid the unpaid balance of {$730.00}. I always have all payments automatically debited from my checking account. I asked that my account be set up for autopay while I was on the phone, but the service representative could not make the change. On XX/XX/XXXX I was alerted once again by XXXX XXXX that US Bank reported to the credit bureaus that my credit limit for US Bank dropped to {$800.00} from {$11000.00}. This report lowered my credit score another 100 points. On this date I filed a dispute with US Bank via overnight mail and via fax, per their instructions. On XX/XX/XXXX they replied with no change to my credit score and no explanation as to why my balance was suddenly dropped from {$11000.00} to {$800.00} for a one-time offense. Prior to the faxed correspondence I contacted US Bank and spoke with representatives on the phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. Below is a brief snapshot of my financial history : o I have never carried a balance with my XXXX ( US Bank XXXX credit card until I thought it was cancelled after the identity theft threat. o I have {$0.00} debt o No credit card debt o No student loans o No auto Loans o No mortgage or home equity loans o No other loans oI have not had a late payment since my ex-wife used to manage our finances in XXXX I remarried last year and am in the process of securing a construction loan/mortgage with my wife. I would greatly appreciate if US Bank could address this issue with all the credit bureaus so I may get the mortgage rates we were discussing with our banker in XXXX of this year. This is not possible after having my credit score lowered by 200 points in 2 months. The root cause of these decreases in my credit score was the identity breach in early XXXX and my belief that the XXXX card had been suspended at that time. I was saving more than {$3000.00} per month and carrying {$0.00} debt since XXXX. I would not have knowingly allowed my credit card to be delinquent while trying to secure a construction loan/mortgage. I respectfully request that the CFPB Team classify the previous reports as misreports based on the fact that they misrepresented my actions or inactions and have negatively impacted my credit worthiness when in fact my creditworthiness has not diminished over the past 6 months. Finally, I ask that this matter be addressed quickly so I may secure the a construction loan with my prospective bank at a competitive rate. Thank you for your consideration, time and effort. | ||||||
| 05/08/2020 | Yes |
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| I am XXXX XXXX and own a XXXX XXXX that works in the XXXX XXXX. Since early XXXX of 2020 we have not been able to generate income due to the shut down of large gatherings, and shelter in place order issued by the governor. As many families and small business owners in this position we began looking for ways to cut down on monthly expenses. The biggest of those being our Mortgage with US Bank. On XX/XX/XXXX2020 My wife and I called in to inquire about the forbearance program they were offering to help people with. Throughout my conversation we specifically asked the rep ( XXXX XXXX ) if our credit would be impacted, if we could refinance while in forbearance, and if we would be reported as making payments late. To which she informed us that our credit would NOT be affected, we WOULD be able to refinance while in forbearance, and then we would NOT be reported as missed/late payment on our mortgage. Upon speaking with a lender early the week of XX/XX/XXXX2020 I learned that not only can we NOT refinance while in forbearance, but they need to see 12 months of on time payments after the forbearance ends. Which means we now have to wait an entire year just to refinance. Our interest rate is currently at 5 %. Had we been given the correct information when we first called in we would NOT have chosen to put our mortgage in forbearance. I first reached out to our relationship manager XXXX XXXX ( ext XXXX ) on ( XXXX or XXXX ) via email and phone. I left a voicemail asking him to return my call. When I had not heard back, I called back again on XX/XX/XXXX/2020 and spoke with XXXX XXXX and explained the situation. At first she apologized and simply said she doesn't deal with refinancing and knew nothing of that side. When I pushed the issue a little further saying " if you are helping people with forbearance you should know what happens '' and requested for the bank to reset and re-report as though the forbearance had not happened ( once we pay mays mortgage ), she then spoke to manager for us ( XXXX XXXX ). She informed me that XXXX had agreed to review the recorded call from XX/XX/XXXX20 and then would get back to us. When I had not heard back by end of day, I called back again on XX/XX/XXXX. This time I spoke to XXXX. XXXX, like XXXX, spoke with his manger XXXX XXXX ( ext XXXX ) who said he would look into it deeper and call back. I did not hear back. On XX/XX/XXXX2020 with not hearing back from either of the supervisors who said they would reach back out I called again. This time, by chance, I was connected to XXXX XXXX ( who also had never reached back out via email or phone since I initially contacted him ). After explaining the situation XXXX offered to speak with his supervisor. I asked if I could speak with the person directly. He put me on hold and came back having connecting me with XXXX ( ext XXXX ). XXXX had read the notes on our account and said that XXXX was actually planning on calling me back that morning. She explained that XXXX had listened to our call from XX/XX/XXXX2020 with the rep and said that we did not mention anything about refinancing. My wife and I were both on the initial call and are 100 % certain that we asked about refinancing since we are currently at 5 % and knew rates were dropping. This was important to us. Since we are sure we asked, I requested a copy of the call. XXXX said she could not provide a copy but could connect me with Consumer Advocacy. Within a few hours XXXX with their Consumer Advocacy department called to inform us they had received our complaint. They said they would review the case and give us an answer by XX/XX/XXXX2020. I again requested a copy of the recorded call, and also asked if they were able to get back sooner since we are hoping to reverse this decision as quickly as possible. She said she doesn't know if we can get a copy but would put in a request. I do not feel as though they are being honest with us. Both my wife and I distinctly remember asking about the forbearance. | ||||||
| 01/12/2020 | Yes |
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Web | Servicemember |
| Immediately following the closing on my VA loan with a local bank, the loan was sold without my consent to another servicer, US Bank. The first mortgage servicer ( seller ) contacted me via US mail and told me that for 60 days during the transition to US Bank all payments due could not be charged a late fee according to Federal Law, and not to send any payments whatsoever to the first mortgage servicer that had originally closed the note. There was no mention made of credit reporting. In fact I never paid them a single payment. US Bank ( the buyer ) contacted me via US mail in a separate letter and told me that any payments made to the first mortgage servicer during the 60 day transition could not by Federal Law be charged late fees. There was no mention made of credit reporting. Given that the letters did not agree clearly on who to pay, but agreed clearly on the 60 day time horizon for them to clear up their transaction and that a late fee could not be charged during that period, I concluded Federal Law allowed 60 days for the transaction between buyer and seller of the mortgage servicing to clear, and that I would pay my payments due at the end of the 60 day period to US Bank so as not to cause further confusion ( ie if the payments arrived prior to completion of the transaction I didn't want it to be lost ). Even so I paid one payment to US Bank and held off on one payment, waiting for them to complete the transaction. At the end of the 60 day period, around XX/XX/2019 I called US Bank to confirm when the payment balance needed to be paid to avoid late fees, and was told by the end of the current month. I paid the payment balance by mail within ten days of the phone call - weeks before month end. If the phone assistant had told me it was due immediately I could have paid it via credit card or EFT easily. Following this action I placed my mortgage payment on an automatic payment, overpaying on the principal in the future by several hundred dollars each month as I'd planned from the beginning. US Bank did not charge me a late fee, confirming my understanding that all was well, and that the payment was not late according to Federal Law. However US Bank did : - Report my Federally determined on time payment as late to all credit agencies, damaging my credit score to which I was notified by my primary bank via their credit reporting function. - Sent multiple documents by US Post telling me they were going to foreclose on my home despite being in the 60 day transition. - Denied my direct appeal to their credit reporting with no explanation regarding the Federally mandated 60 day closing period or the disparity between not charging a late fee but reporting the same payment as late to all the credit agencies, while simply denying that their phone servicer told me I had till the end of the month - which does not follow from the fact that they did not charge a late fee. There seems to be a lot of confusion in this transaction. The two letters from the two banks did not agree, the terms of payment were not clear, and even US Bank 's actions of not charging a late fee, but reporting the payment as late are contradictory. In the end however, it doesn't seem fair that my credit score should suffer, when their documentation and correspondence regarding the buying and selling of a note in which I had no involvement was so very confusing. Finally USBank 's aggressive mailings on foreclosure and consequences for VA buyers seems to reflect a lack of internal coordination between the part of the bank that buys these loans with the people following up on late payments and doing credit reporting. People I spoke with at USBank seemed confused or completely unaware of the 60 day transition period, and also often were surprised to learn that this was a brand new loan - I guess the loan number assigned made it look like an older loan at US Bank? I don't know. Everyone was very nice and helpful, but again the end result doesn't seem fair. | ||||||
| 11/06/2020 | Yes |
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| Company advised provide call log where they called me and they would fix yet havent still Ive been a customer for over 7 years never once 30 days late. They violated their covid 19 agreement whereas I was advised XXXX and XX/XX/2020 would be reset to {$0.00} additionally o paid my account off completely XX/XX/XXXX Those of the specifics Now to the problem : initially they were reporting 120 days past due on 2 of my 3 credit reports they stated that never happened they would never make that mistake I then sent them copies of the reports and magically they got adjusted to 90. I again wrote them told them about the 90 I was again told the same again I had to send proof then it was updated to 60 but all remarks states 90-120 days to this day. Then I was advised that I never spoke to anyone they didnt directly call me a liar but pretty much indirectly I advised them repeatedly of their error and that I have been a customer for 7 years with no issues on my end prior to the request for pandemic assistance which is the part that really makes me sick to my stomach with this company. Its ok to make mistakes especially during a time of massive uncertainty and wide scaled communications and shifts in policies but to treat your customers like scum thats disgusting. As if this wasnt enough they did decide to communicate with me from their secured oop head via email again the company never makes mistakes atleast that refuses to own it sent me 3 different sensitive communications meant for other customers directly from their executive team which shows not only do mistakes happen but they happen at the highest level. You have cost me thousands from closed accounts and decreased credit lines. You have also caused me significant financial distress and occupied large amounts of my time to dispute something that would have and should have been an easy correction. You further add on to that by insulting me indirectly and passive aggressive phone calls where your own executive members cant keep their composure long enough to articulate a proper sentence or allow the customer to finish speaking before they talk over them. I said I have exhausted every effort I tried to resolve amicably advised if I could not get proper professional service o would have to explore legal remedies well they didnt like that very much because then they filtered me as bankruptcy customer when I called no one would speak to me I was shunned past around like a hockey puck from department to the next each of which found a unique way to be even more rude then the last which I found quite mesmerizing as to how that was possible. To be clear you ruined my financial life I am simply reacting to such. Since I was contacted yet again by your executive team this week that yet again called me a liar and said you never called me I took the liberty of uploading one of several inbound calls. Per my previously 21 communications much like everyone else is the country I was making every reasonable effort to ensure that I prepared and adapted to uncertainty of the pandemic. This account was late however it was 13 days late while I reached out to all creditors in order of importance and balance this was the smallest balance I have both monthly and minute in total at $ XXXX+ During the collections call I advised that I already had a prexisting dispute on file and I was escalated to a supervisor with whom advised he would look into my account further however in the interim the proper measures were taken to ensure account was reset to XXXX Again I had the funds to pay this clear as day but made the exact same arrangement with every creditor until I knew more all in the same 2 days. I paid this account in full the very next month so clearly with my 7 years of never being 30 days late my attached call logs my ability to pay the whole balance let alone the little $ XXXX monthly this was absolutely not only a massive miscommunication and error it was beyond disappointing the level of service received | ||||||
| 03/15/2023 | Yes |
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| Hereon ; this day of a XX/XX/XXXX ; I had made a certain ; payment as an authorize credit in the amount of a {$78.00} ; thereto my USBank Altitude Visa Credit card XXXX ; account no. XXXX XXXX XXXX XXXX ; however, therefrom that time frame ; a certain payment as {$78.00} was officially as a completion ; therein the amount of a {$78.00} ; indicating; being in fact a debit to my XXXX account XXXX ; in documentation ; as a debit therein ; the amount of a {$78.00} for the full monthly and was documented as being in fact paid in full in accordance thereto USBank documentation. Thereafter that thereon a XX/XX/XXXX ; my USBank Altitude Visa Credit card XXXX account ; was credit in the amount of a {$78.00} as being in fact paid in full for the whole month in accordance to USBank policy and procedure and custom my USBank Altitude credit card XXXX account was thereby paid in full ; then thereon a XX/XX/XXXX ; a reversal fee was charged ; therein the amount of a {$30.00} due to the fact that a {$78.00} for was unreasonable reversal then became ; a debit to the USBank Altitude Visa Credit card XXXX ; in accordance ; hereto the so stated documentation ( s ) cause or matter ; as set forth in the USBank Altitude Visa Credit card XXXX XXXX XXXX ; in terms of a bank statement ( s ) ; as so ; dated thereon a ; XX/XX/XXXX ; thru XX/XX/XXXX ; a fraudulent act had took place ; there was an intent to defraud myself into paying another payment that has already been paid by double charging myself ; in the amount of a {$78.00} thereon ; a XX/XX/XXXX ; therefrom my XXXX account for Visa XXXX was fraudulently ; debit in the amount thereof a {$78.00} ; thereon ; XX/XX/XXXX ; there was no notice of hearing for the so stated cause ; or matter herein ; this legal civil notice as a civil claim ( s ) ; therefrom ; the so stated cause or matter herein this legal civil notice as a civil ; claim ( s ) ; therefrom there was fraudulent transaction tortuous act was commented. Therefrom ; in conjunction herewith this so stated cause ; or matter for the hereinabove ; pleaded civil claim ( s ) you as an official for an USBank for the so stated cause or matter for the hereinabove you must under an Oath as well as a Testimony of an office ; so state a response as in fact ; an answer either as an affirmation ; or as in fact a denial ; hereto the so stated cause or matter herein ; this legal notice as in fact a pleading civil claim ( s ) ; sir-mam your response as an affirmation ; or as a denial will only be accepted ; hereto this civil notice as cause or matter to a civil claim ( s ); under an Oath as well as a Testimony of an office of jurisdiction ; in addition ; you as an official for an USBank official must also respond hereto this so stated cause matter as litigation process, in conjunction with eFile Odyssey case no. XXXX as well as attached evidence for this so stated cause or matter herein ; you must respond hereto this legal civil notice ; as either an affirmation, or as in fact a denial all within a 72 hrs. hereafter service hereof this legal civil notice if you as an official for an US Bank should fail not to hereby respond hereto this legal civil pleading as in fact a claim ( s ) ; notice cause or matter as a civil claim ; thereafter a 72 hrs. time frame of a service you must as an official for an USBank will hereby held, and considered as being in fact a person who has refused to respond as an answer affirming, or as a denial ; therefrom ; any and all pleadings, as in fact a civil claim ( s ) ; made by service from you as an USBank official, officially will hereby this legal civil notice become denied ; and unacceptable pleadings as a civil claim ( s ) ; thereafter service you as an official must service your pleadings ; hereto myself XXXX XXXX XXXX XXXX myself email address XXXX ; in addition this legal notice is being in fact serviced as a new filing of a litigation process pleading as a civil claim ( s ) ; hereon you as an US Bank official XX/XX/XXXX ; | ||||||
| 10/12/2017 | Yes |
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| XXXX XXXX XXXX XXXX advertises that I can pay my mortgage via ACH payments. They claim that this ACH can be set up via their online service at USBank.com. I have attempted to set this up via the US Bank Online but not able to do so. I have called several times and been walked through the process to set up a ach via USbank.com. I have called several times and not been able to fix this issue. There is some technological defect associated to my online user account that is preventing the option to set up ach to appear under the payment menu. I have been advised that upon hovering over the word payment the option to pay online or set up ach should display. I am only being presented the Pay Online option. Consequently, I am unable to set up the ACH automatic draft of my mortgage payment as desired. Further, they charge you a {$5.00} payment processing fee if you do not pay your mortgage payment by the first of the month. The only protection against this money grab on their part is to set up ACH. I think it is appalling that the bank that makes so much money in interest charges the customer to accept a payment online at any time. Is n't this part of the servicing duties the institution is being compensated for in servicing fee 's. It sure seems like double dipping to charge fees to make payments. The representatives have no clue how to troubleshoot and upon request to be transferred to a technical help desk rep to assist in resolving the issue with the online functionality I am advised there is no such technical help desk. When inquiring about opening up a problem ticket to send to the application team that supports online banking I am told they have no process or procedure to escalate technical issues to the appropriate application support team who could investigate and correct the issue so that I can use the USBank.com online tool to establish my ACH payments. Instead they tell me it is my computer. When I told them I used 4 different browsers but received the same behavior they said the could not escalate the issue because no one else is reporting it and it was my computer. I logged on to my work computer and followed the same process to log in to and navigate to the customer care net as instructed and again received the same behavior demonstrating the technical issue was with the my account configuration or the USBank.com website that would not allow me to set up the ACH. In any case my computer or not, the technical application team should investigate and there should be an avenue readily available to escalate such issues. Instead of resolving this issue the representative suggested I should further inconvenience myself beyond the number of hours I spent on this already and go to a US Bank branch to set up the ACH. He then gave me the option to wait weeks to get something in the US mail and pay for postage to return it you them to establish the ACH. I asked for him to set it up over the phone then, and he said no he could not do that. How about just getting the USbank.com website to do what it is supposed to do? How about that? My contention is simple if you have a website that is supposed to have account management functionality that functionality should work. Further, if an issue arises with a customer because of technical issue using that functionality they should be able to be connected to someone who can assist in resolving that technological issue or have some means to escalate internally to the appropriate application support team who can research and correct the defect in a timely manner. The level of incompetence with the customer service is appalling. Is it really to much to ask that staff have a clue on how to resolve the issues you are calling in regarding? I cant recount the amount of incorrect information I have been provided with from numerous representatives at this bank. The degree of incompetence causes me to loose patience because something that should be easily resolved is turned into a major issue. | ||||||
| 07/28/2016 | Yes |
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| On XXXX XXXX, 2016 I contacted US Bank by phone after getting notice of a missed payment on my credit card. I had set up an automatic payment for the account 3 weeks earlier on the bank 's website, but they did n't process the payment in time & then blamed me for the missed payment. They reduced my line of credit on the account and tried to charge me a late fee. I objected, stating that the error was their 's, not mine. The woman with whom I spoke, agreed to waive the late fee & to reinstate my previous line of credit. I shortly received a letter, stating that I would have to reapply if I wanted the higher limit that I previously had. So, the woman lied to me, & did not reinstate my line of credit. I refused to reapply for the higher line of credit that I already had, prior to their failure to timely process my automatic payment. During the XXXX/XXXX/16 call, I also inquired about balance transfer offers that might be available on my credit card accounts. The representative checked & then offered me a balance transfer with a 3 % fee & a 0 % interest rate for 17 months. I accepted the offer & requested a transfer to another credit card of {$13000.00}, an amount which would keep my balance below my credit limit after application of the 3 % fee. On XXXX/XXXX/16, I phoned US Bank again, after receiving notice that a transfer of {$12000.00} was made to the other company, rather than the {$13000.00} agreed to. The representative refused to adjust the transfer, stating that 92 % of my credit limit was the maximum amount allowed. I asked why they stated my credit limit as {$14000.00} if I could only borrow 92 % of that amount. She had no explanation except to say " that is the rule ''. I also again requested that the credit limit on my other account with them be reinstated to its previous, higher limit, which was unfairly reduced, due to the bank 's payment processing error, but she said I 'd have to reapply for a higher limit. I refused. On XXXX/XXXX/16 I called again & spoke to XXXX, after receiving my bank statement, noting that they had applied a 14.24 % interest rate and a 3 % fee to the {$12000.00} balance transfer. XXXX insisted that there were no 0 % offers available to me, & that the original transfer disclosure was read to me during the transaction request, stating the 14.24 % rate and the 3 % fee. I disagreed & requested a supervisor. She transferred me to XXXX, whereupon I reiterated the transaction history. He refused to believe my story, so I requested a review of the recorded call. He reluctantly agreed & said he 'd call back in XXXX10 days. On XXXX/XXXX/16, I called again & spoke to XXXX, a supervisor who said they had n't yet retrieved the record of my XXXX/XXXX/16 call. I agreed to wait another week. On XXXX/XXXX/16, I spoke to XXXX, manager of card services, who said the issue was still under review, & that it 's taking longer than usual due to many review requests. I noted that " many review requests '' must mean many complaining customers, & stated I would wait until Monday XXXX/XXXX/16 before registering a complaint with the CFPB. On XXXX/XXXX/16 XXXX called from US Bank. She said the review of my XXXX/XXXX/16 phone call had revealed that I had, in fact, been offered the 0 % interest rate, & that no 14.24 % rate had been disclosed. She stated that the bank would honor the original 0 % offer. I would be credited with any interest that had accrued, & as compensation for my trouble, they would waive the {$380.00} balance transfer fee. She noted that the corrections would n't be made until my next statement. Today, XXXX/XXXX/16, I logged into my US Bank account to review transactions, the statement cycle having ended. I was appalled to find the balance transfer fee had been reversed, only to be charged again. I called & spoke to manager XXXX, who said they never waive transaction fees. I requested review of XXXX 's XXXX call to determine if she offered the waiver. XXXX agreed to review the call & respond. | ||||||
| 10/26/2020 | Yes |
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| In XX/XX/2020, I contacted US Bank to finance a boat. I stated that I wanted to purchase a boat for XXXX with XXXX down. I went through the approval process. The seller was driving several hours and wanted cash only. I requested that XXXX cash be made available to the seller in advance. The loan representative with the bank, XXXX, agreed. She also said they rarely do any boat loans ( I think this branch needs an audit as they don't seem to be well versed in many bank products, as I had multiple issues with opening a business account as well. ) Upon arriving, they were short XXXX in cash although we'd confirmed more than a week in advance that they'd have it. Apparently XXXX misinformed the staff about how much was needed. They were able to resolve the issue, but not without another teller chastising the rep for miscommunicating. Then, she provided the paperwork, and handed me a sheet showing sales tax. I asked what it was and she said 'This is what you'll pay to the BMV '' I said, " This should have been financed in? '' She said " Well, it wasn't '' I said " I've never had a vehicle loan without sales tax financed in. '' Then, the other rep loudly interjected " THATS NOT TRUE -- IT HAPPENS ALL THE TIME '' I stated " In my XXXX years alive, I've never not had a loan where the sales tax wasn't financed in. The least the bank could have done was advise me in advance, considering I am already putting XXXX down. '' She turned away. I asked if the sales tax could be financed in. XXXX said if so, the closing would need to be rescheduled. The seller had already made the trip and we would have lost the sale. We expressed our dissatisfaction. In XXXX, we still had not received the documents to register the boat. I emailed and reached out several times, the last via email on XXXX XXXX The branch shut down phone calls completely and I was unable to call at all. I finally got in touch via email with XXXX the first or second week of XX/XX/XXXX. Just recently. She emailed b lank documents to send to the BMV. I printed them out. She followed up a week or so later to see if I had gone to the BMV. I informed her that the business I own is extremely extremely busy 7 days a week through XXXX and that I would need to find time over the next couple weeks. The BMV does not take phone calls, there is a line outside all the time due to restricted hours and COVID changes. I also explained the documents were blank. She said the BMV will fill them out ( I am not sure how the BMV could have access to my loan information ). I informed her it would be a couple weeks. It is very difficult to get into the BMV because of COVID and more importantly, with my work. I can not just take off and stand in line for hours to file a document right now because they finally sent it during my busy season. She emailed me today stating US Bank will begin sending me letters about it. I tried to call the main number, but I am always left on hold. it is nearly impossible to get in touch with anyone to express my concerns regarding this branch and the way they handle things. Not only would I like this loan reviewed, I would like the point of contact to raise issue with someone other than the manager of this bank to review how they process products. I have had nothing but issues with this bank with the last 3 loans and accounts. I would like to know why the sales tax wasn't financed in. I would like to know what the proper procedure is for disclosing sales tax for vehicle loans is. I would like all my documents reviewed. I would also like the actual *blank* document reviewed by someone to determine if this is even the accurate document to take to the BMV because I will not be able to make time to go more than once. I would like to know how much time I am being afforded to go to the BMV and what the recourse is if I do not acquiesce to their time demands. I would like an actual human to call me and review this information with me, not from this branch. | ||||||
| 02/15/2021 | Yes |
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| I am writing in response to a CFPB complaint that I filed XX/XX/2021 Case Number XXXX. I received a letter from US Bank dated XX/XX/2021. ( Letter attached ). The response letter was from an employee by the name of XXXX, and while I can appreciate XXXX thorough investigation of the credit cards ( CCs ) ending in XXXX and most importantly XXXX unfortunately 2/3rds of the letter seems to be an attempt to discredit me and my original complaint. My original request is for US Bank to waive the full balance owed on CC XXXX and close it. In addition, remove all derogatory reporting to my credit bureau. I would also like to confirm CC ending in XXXX is closed with a {$0.00} balance with no opportunity for reversal of payments, advances, or further purchases. In the 4th paragraph of the letter of response XXXX stated that my ( ex ) husband requested the CCs be opened again. As with my original complaint, my question is, how can US Bank give funds to a customer from a closed account? There was no availability ( account frozen to further access ) and I did not authorize the CC to be reopened, that should have taken the signatures of both owners of the card which I did not authorize. XXXX also did not mention any of the conversations I had with various US Bank employees. She essentially failed to investigate the most important aspect of my complaint ; why didnt any of the response letter touch on the multiple conversations I had with the US Bank employees. I honestly feel it is because that would have been the proof of US Banks negligence in researching the account prior to giving XXXX the funds I paid. As stated, I had conversations with US Bank Customer Service XXXX and the Collections Department that XXXX was going to file bankruptcy. On XXXX XXXX, 2021, I made sure the rep commented on the file the funds were paid with my account ending in XXXX. I understand the matter of my ( now ) ex-husband opening CCs in my name is a civil matter, however I feel at this time that my character has been called out in a negative way and I do not appreciate XXXX called out what she felt were discrepancies, or holes with my story. Please see my responses to XXXX investigation : The cell phone number ( XXXX ) does belong to me now ; however, this cell number was originally my ex-husbands number, and later became mine when he received a new number ( XXXX ). The bills were sent to XXXX XXXX XXXX XXXX, MN XXXX which is my home. However, XXXX paid all bills as he was/is self-employed, and his money came in at various times throughout the months. The method of payments that were made were through XXXX checking account ending in XXXX, was a joint checking account that belonged to both XXXX and me. Ironically, XXXX mentions in the 3rd paragraph the funds paid were verified to an account that belonging to me. In the 5th paragraph she contradicted herself by stating Please understand that we are unable to confirm the name of the individual who owns an account that a payment is made from please advise which is it? I told the same story so many times to every representative I talked to because I wanted it very well known that I was making the payment because XXXX was going to file bankruptcy. It was also evident that he was no longer making payments because when the account fell delinquent was when I stepped in and started paying them. In closing, I would like to thank you for taking the time to review this complaint again and see that the issue has not been resolved. As far as I am concerned US Bank has violated XXXX, as I could not have been more transparent to the employees at US Bank about my situation. I am recently divorced, my ex-husband and I must sell my home that I have lived in for the past 18 years, and this error made by US Bank has dropped my credit score dramatically where I will no longer be able to purchase a home at a decent rate this summer. Thank you in advance for your consideration of this matter. Sincerely, XXXX XXXX | ||||||
| 12/07/2023 | Yes |
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| On XX/XX/XXXX, I went to the US Bank location in XXXX XXXX, NV to cash a check. After I cashed the check, I wanted to put a portion of the money into one of my checking accounts. Instead of going back into the bank, I decided to use the drive through ATM to deposit {$2700.00}. When I put the cash into the machine, I received an error code and the money was not deposited into my accounts or given back to me. I immediately parked my vehicle and walked back into the branch and explain what had just occurred to one of the employees of US Bank. The employee informed me that it was a new ATM machine and some other people had some issues with it as well. She informed me that the branch manager would take a look at my request and expedite the funds into my account. That would take about 2 days before the money would be available to me. After 2 days, the money did appear in my checking account. Fast forward to XX/XX/XXXX and I noticed on my mobile banking app that the checking account I had closed a couple weeks earlier had reappeared on my app dashboard with an amount of - {$2600.00}. After calling US Bank 's customer service, it turns out that US Bank launched an internal investigation into the dispute and the funds they had given me were " provisional '' funds. The investigation came to the conclusion that I had only deposited {$100.00} into their ATM machine. They came to this conclusion by counting the machine and stating that the amount of {$2700.00} that I stated I deposited did not match the amount of money they counted in the machine at the end of that business day. According to US Banks customer service, I owed US Bank {$2600.00} to make up for the " provisional '' funds they had gave me. After I was informed with this, I stated that I wanted all the documentation on their investigation, all the video footage they had of me, all the error codes they had one that machine that day, and much more information. The US Bank rep informed me that I needed to send an email to XXXX and that they would send me everything I was asking for. I then went physically into XXXX XXXX branch and spoke to the same employee who cashed my initial check and filed the dispute for me to receive my funds. She tried to get her branch manager involved but the manager was on the phone the entire time dealing with another situation. I was told that they both would look into this matter and get back to me by end of day on XX/XX/2023. After not hearing anything back from XXXX for 4 business days, I sent a follow up email on the morning of XX/XX/XXXX asking again for them to send me all the information I had previously asked for. On top of that, I received a phone call from the employee at XXXX on XX/XX/XXXX stating that her and the branch manager still didn't have any answers for me and that I would hear back from them early in the week of XX/XX/XXXX. In that same phone call, the employee started asking me what I did with those funds and why I moved them along with why I closed my checking account down. The reasoning for closing the account was due to the fact that my wife opened her own US Bank account and we transferred some of the funds from my account into hers. When you don't have at least {$1500.00} in your account, US Bank will start charging a monthly maintenance fee which didn't make since for me to continue having that checking account open. It is now day 6 of finding out about this investigation and seeing an over withdrawal in my account with no one from US Bank able to provide with with anything I have asked for other than informing me that I need to replenish the {$2600.00} that they expedited to me. On XX/XX/XXXX, I received a phone call from US Bank 's XXXX XXXX branch stating that their department and the third party that investigated this claim were no longer moving forward with their investigation and that they were stating that I only put in {$100.00} as their final verdict. Still no documentation was given to me as of XX/XX/2023. | ||||||
| 08/30/2017 | Yes |
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| On XX/XX/XXXX I notified USbank fraud dept line of an unauthorized deposit to my acct from a fraudulent lender that had compromised my acct by taking over the mobile banking feature to make appear that a payday loan deposit ( XXXX XXXX XXXX ) was posted but in fact it was an insufficient fund personal check with no authorization or beforehand knowledge from me. i was instructed to visit bank Monday morning where I encounter XXXX XXXX whom proceeded to contact fraud dept and make the claim officially and close savings acct and checking and visa. She let the rep know that a {$480.00} unauthorized fraudulent personal check from a fraudulent payday loan company had been deposited in my savings acct opened from a different branch. Following the end of the call i was given a new checking acct from the branch i now banked with making her office my new home branch on XX/XX/XXXX. on XX/XX/XXXX the unauthorized check had somehow jumped from another branch closed savings acct to my new checking acct and new home branch. thus creating a overdraft fee of {$36.00} a week until closure because the fraud dept on XX/XX/XXXX came back with their investigation stating denied because of said check was my liability claiming bounce check was known and waited by me but in reality the fraud claim was solely about the unauthorized deposited fraudulent check. I notified the fraud dept of their error in mislabeling check mine and not as an unauthorized deposit. THEY THEN PROCEEDED TO OPEN A SECOND CLAIM TO ADDRESS SAID ERROR HOWEVER ON XX/XX/XXXX THE FRAUD CLAIM WAS DENIED FOR THE REASON STATED FAILURE TO NOTIFY BANK OF SAID UNAUTHORIZED TRANSACTION AND UNDER UCC THE BANK STRAIGHT OUT AND ERRONEOUSLY CITED THE XX/XX/XXXX FIRST CLAIM DENIAL AS FIRST REPORTED DATE. Not the XX/XX/XXXX or XX/XX/XXXX initial reported dates well inside the statue and law. Not only the protections my acct had against said transactions was willfully not instilled but also a inapplicable overdraft fee weekly was assessed on said check and demanded by bank or acct closure and reporting to check systems causing further credit and other institutions downgrading and ultimately closure of my two accts elsewhere and tanking of my credit worthiness causing financial ruin. they claim i owe {$870.00} on a transaction i never approved or had knowledge to. Furthermore i am claiming that a policy of denial with assessed overdraft fees is a willful common occurrence at USBANK regarding many fraud claims with same m.o. as mine being burden onto the unsuspecting customers already victim of a crime to also be victim to inapplicable overdraft fees in the hundreds. the acct closures and ill regard to label such debit as fraud but cust irresponsibility is a red flag to have a total audit of all fraud claims with attached overdraft fees assessed and the accts closed due to non payment of said claim. I have the official original documents showing my grievance and complaint merits a review.Damage cause by fraud deposit {$480.00} .the damage by filing claim with fraud dept of USBANK $ ten fold + and counting. It did not benefit me to file claim however the bank benefited double the claimed amt plus it renounced on the afforded protections the bank advertised as having a zero fraud liability to customer with an open acct at usbank branches. damaging the local economy with practices as the ones stated with responsibility falling solely on custs for bank robbery transactions and bank theft crimes as they really are because knowingly the criminals are going through bank cust acct to as always intended from the start to steal banks money through open unprotected windows called customers accts. Creating the allowed epidemic of fraud plaguing our nations acct holders to the tune of {$6.00} XXXX annually in loses. I DOCUMENT proving time in accordance and COINCIDING with police report all within UCC statues and laws. I PROVIDE THIS TESTAMENT AS PROOF OF BANK MISCONDUCT. XXXX XXXX, AT YOUR SERVICE XXXX | ||||||
| 12/12/2019 | Yes |
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| For many years I have used XXXX for all types of transactions ( transfer money to friends/family, purchase products & rent homes in other countries ). I NEVER ONCE had any issues with scammers/fraudulent sellers. I have ALWAYS received what I bought. On XX/XX/2019, I rented a beach house to take my XXXX sister for her birthday weekend. When we arrived XX/XX/XXXX we discovered someone was in the house I rented & I was scammed {$700.00}, I used XXXX! I immediately filed a police report and a claim with US Bank to be denied like everyone else because I initiated the transaction with XXXX. After countless hours of research I now know XXXX parent company, XXXX XXXX XXXX, which coincidentally is owned by 7 major banks ( sounds like a monopoly )! The bank I have trusted 20+ yrs is one, US Bank ! The ABSOLUTE ONLY reason I used XXXX was because it was on US Banks app. I typed XXXX in Help, NOWHERE on US Bank app was I referred to XXXX website or did it mention XXXX should be for ONLY friends/family or XXXX does not cover fraudulent claims. Instead, US Bank app said US Bank is now partnering with XXXX Consistent, secure and seamless payments experience. We can offer you a fast, secure and convenient way to send money You should not have to question the security of your money when you send it with XXXX. Your transactions carry the same security assurances as any of your other banking activities on US Bank Online and Mobile. Your security is our priority!. I setup my XXXX acct, received an email from US Bank & added the recepient all thru US Bank app. I read everything & trusted my bank as I always have. I ONLY initiated the transaction because XXXX was on U.S Bank app & what I read on US Bank app. THAT IS THE ONLY REASON WHY I INITIATED THE TRANSACTION WITH XXXX. If XXXX had not been on US Bank app I would NOT have initiated the transaction. US Bank assured me everything was sasfe and it would be no different than any other transaction You should not have to question the security of your money when you send it with XXXX. Your transactions carry the same security assurances as any of your other banking activities on US Bank Online and Mobile. Your security is our priority! They need to pay me back {$700.00}, or split with their partners. I will not give up until this is resolved & something is done & precautions are in place so consumers are warned about XXXX on US Bank app. Also, US Bank owns XXXX XXXX XXXX, XXXX parent company. XXXX XXXX says This business offers fraud prevention services to the financial services industry. What a joke, they are also scammers & fraudulent people. What is their fraud prevention they offer? If they are the parent company of XXXX then they should be offering fraud prevention on the transactions that go through the financial services ( banks ) and they are not! It is all a big scam. Now I see why Mr. XXXX XXXX, founder CEO of XXXX has backed down from XXXX this year. He has made his millions scamming people, time to move on before it gets too deep. It infuriates me that this happened to me & furthermore it continues & XXXX , XXXX XXXX XXXX & the 7 banks are putting their heads in the sand. It disappoints me my bank is involved and is ignoring it. This is not new. Look at the banks statistics of what was XXXX denied claims, this should tell you something. Something is broken and needs to be fixed. Quit ripping off the consumers, put pre-cautions in place ( get rid of XXXX would solve it ). The majority of XXXX sellers right now are scammers and fraudlant people because they know the banks will not go after them and it is all wrong! I will not give up, I will go to the TV news ( XXXX, XXXX, XXXX XXXX ), newspaper ( XXXX XXXX ), radio, social media anything and everything to get me reimbursed and precautions in place! I now know, there are masses of people that have went through or going through the same thing I am so I know once the word gets out it will go viral. Please do the right thing! | ||||||
| 03/11/2022 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2022 at XXXX pm I was at US BANK located at XXXX XXXX + XXXX, inside the XXXX XXXX. I was there to make a cash deposit of {$2700.00}. There were only 2 agents working, a man and a woman. After I handed the cash to the male agent, the agent started taking the money to the back room. I stopped him and told him to count it here and pointed to the counter directly in front of me. The agent set the money down and continued to go to the back room. He brought out the money counter and set it on the opposing wall across the room. He walked back, snatched the money, spun around and was loading the machine with his back to me before I could say anything. I already stopped him from carrying off the money once. I did not think I would have to do it again. His back was to me the entire time at the money counter. I could not see my money, his hands, arms or the money counter. When he turned around, I asked for the count. He said can I add it up? I said go ahead. Then he went into his office and sat at his computer. A few minutes later he emerged stating there was {$2600.00}. I said I gave you {$2700.00}. This entire time his sleeves were almost down to his wrists. He then gave the money back to me to re-count while he went into the back room. When he came out his sleeves were rolled up to his elbows. I still needed to make a deposit but both employees refused. I was told to go somewhere else. My suspicion is he put {$100.00} up a sleeve then stashed it in his office or in the back room. The cameras will show I pointed to the counter between us to count the money but he did not do it. Since he did not count the cash where I told him to, I am expecting {$100.00} to be returned to me. Here is the branch manager 's reply : XXXX, XXXX XXXX XXXX Tue XX/XX/2022 XXXX AM The incident has been reviewed and you received back all the funds that you supplied. It is clear to us that there was no shortage of funds. My reply : That's rather vague considering there are XXXX aspects of the complaint. Keeping {$100.00} is only 1.The US bank agents flagrant disregard of my terms for counting the money should be enough for a reimbursement. The camera 's show I told him not to take the money away, but to count it " right here '' as I pointed at the counter top between us while he was looking at me and listening to me. After that once he left with the money and turned to go to the other side of the room, keeping the money from view, was as good as stating the count is as I say. Is it US banks policy to disregard a customer 's wishes when they demand to have their money counted in front of them? Is it also US bank 's policy to tell cash depositing customers to go somewhere else when the original amount isn't there? {$2700.00} or {$2600.00} I still needed to make a deposit but was denied by both US bank agents. Whether you want to admit it or not, walking off with my money after I say not to, is a problem. Any trust in that agent is gone. If you try to walk with my money and I tell you not to, but you're going to do it anyway, don't you feel an obligation to tell me your intensions? Wouldn't you think after setting the counter up on the opposite side of the room that he would at least not let me lose sight of the money and stand to the side, so he could pretend that I could see what he was doing from across the room? Since I didn't notice any camera 's pointing to the area where the agent counted the money, how did you come to the conclusion that none was taken? Bankers reply : XXXX, XXXX XXXX XXXX Fri XX/XX/2022 XXXX AM Our cameras did capture the transaction and when reviewed by our security it was clear that you received back the funds you supplied. I will use your experience in the coaching of our banker. My reply : Unfortunately, I don't believe there are enough cameras to capture the full event. All of my concerns have not been addressed and I have yet to get an apology or compensation. Therefore, I will be passing this to your superior. | ||||||
| 08/12/2016 | Yes |
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| On XXXX/XXXX/16 I made a deposit at US Bank ( a FDIC member ) into my savings account of some cash & a check for {$7100.00}. The check was a promotional offer ( balance transfer/cash advance ) check from my XXXX XXXX XXXX ( XXXX ) credit card that I wrote payable to myself, having done this in the past for both larger & similar/smaller amounts at this US bank branch without any problems with the check clearing & the bank/manager not putting a hold on it & making the funds immediately available the next day. Before making the deposit, I asked the bank branch manager XXXX XXXX XXXX XXXX if the bank was going to put a hold on the check & if so then how many days was the hold going to be, as I was wanting the funds within a day or XXXX, which she asked how much the check was for & who it was from. I informed her of the information she requested, in which her reply to my question regarding the hold was " Oh, no problem, we wo n't put a hold on it. We know you and the check is from XXXX XXXX XXXX. '' I then specifically asked her if I would be able to withdraw the amount of the check that same day or the next day, which she stated I could withdraw {$200.00} of the check that same day & the rest the next day. I then deposited the check. XXXX XXXX assisted the bank teller in the transactions so that no hold was placed on the check to therefore make the full amount of the check available the next day. On XXXX/XXXX/16 I checked that account online, which stated the amount of money available amount in the account was more than the amount of that check ( since the full amount of the check was made immediately available that day ) & then went into that same bank branch & tried to withdraw {$6000.00} out of the account to cover XXXX ACH withdrawls in my account at another bank, but the bank/Mrs. XXXX refused to allow me to do any amount over {$200.00} of the check with stating their bank had n't received the funds of the check from XXXX & to come back the next day. I left & called my XXXX credit card to see if there where any problems with the check, which they informed me there were not & that they had already approved & processed the check that day ( XXXX/XXXX/16 ). On XXXX/XXXX/16 I went back to that same US Bank branch to withdraw the {$6000.00} & was again refused to do so with being told by XXXX XXXX the same reason as the day before. After informing XXXX XXXX that she told me she was not going to put a hold on the check & the full amount would be available for me to withdraw the next day after it was deposited & I had called XXXX who informed my that the check was approved & processed by XXXX XXXX US Bank 's website stated all of the check 's funds were immediately available to withdraw from that account & offered to show her & her call XXXX to confirm about the check ( she refused to look or call ) & asking if XXXX Bank/she had put a hold on the check, which she stated XXXX Bank/she did n't put a hold on the check ( with her repeatedly stating the reasons of knowing me & the check was from XXXX so not having any concerns about the check being bad or US Bank not getting paid ) & to not believe the website stating " available balance '' does n't mean to be able to be withdrawn ( as stated in their Fund Availability Policy, dated XXXX/XXXX/16, an on their website it does ) & US Bank has to receive the funds first before I can withdraw more than the {$200.00} of the check they made available the day of the deposit ( with explaining how people make deposit those checks & then cancel the credit card & how the bank was protecting me from the bank seizing any money in other accounts I had with them if the check was returned ) but she would do me a favor to allow a {$1500.00} withdraw on the check. US Bank 's denying me to withdraw over {$1500.00} of the check on XXXX/XXXX/16 & XXXX/XXXX/16 violated their Funds Availability Policy & the Federal Funds Availability Act, Federal Reserve System regulation XXXX & false advertisemt | ||||||
| 02/21/2023 | Yes |
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Web | Older American, Servicemember |
| State Farm XXXX US Bank XXXX XXXX XXXX, XXXX, ND XXXX sent me a letter inviting me to apply now for a special credit card offer only good until XX/XX/2023 via the United States Postal Service presorted standard postage paid that I received on XXXX, XX/XX/2023. The letter states that I am offered 0 % Intro APR* on purchases and balance transfers for 18 billing cycles. The letter contains the following personal message : Dear ( Name Redacted ), We hope youre enjoying your current State Farm credit card. As a valued customer, youre invited to apply for an additional offer - the State Farm* Good Neighbor Visa* Card. With beneficial safeguards for auto, phone and more, plus a low intro rate offer, this is a smart way to pay! Here are the details : Auto Deductible Reimbursement. Get up to {$200.00} of your auto policy deductible reimbursed. Cell Phone Protection. Receive up to {$600.00} of annual coverage for damage or theft. No Annual Fee*. Save money with no annual fee. We invite you to act now and take advantage of this low intro rate and the beneficial safeguards offered with the Good Neighbor Card. This card and all its benefits are provided through U.S. Bank. StateFarm / USbank. Apply now use this confirmation code : XXXX Visit : usbank.com/statefarmcardoffer Call : XXXX Complete and mail the enclosed application. * The 0 % introductory APR applies to balance transfers made within 60 days of account opening. A balance transfer fee of 3 % of each transfer amount ( {$5.00} minimum ) will apply. I applied for the credit card offer online using the link advertised in the letter. I received an online response that my application was in review. After having waited all weekend to hear more about the status of my application, I called the phone number on the letter and spoke with XXXX XXXX. XXXX instructed me to call XXXX to find out the status of my application. I called that number and spoke with XXXX who agreed with me that someone with a credit score as high as mine and with an income considered to be in the upper income range of those living in the United States should not have been declined and suggested that I wait on the line to speak with someone in credit card underwriting with U. S. Bank. I waited for just under one hour on hold listening to piped in music until, finally, XXXX answered. XXXX listened to the same input that I had given to the two previous employees I spoke with today and agreed to submit my application for further review based on my longstanding and good relationship with both State Farm Insurance Company, where I own a life insurance policy that I have been paying premiums on for almost four decades, and U.S. Bank where both me and my wife have open credit cards existing for almost a decade. XXXX said that it will take two to three business days to find out whether I will be approved for the credit card offer because the reason given her that I was turned down is because of too many new open lines of credit within the last XXXX months. I explained to XXXX that all of the new credit lines were from my taking advantage of credit line offers I have received in the mail like from XXXX XXXX last week who invited me to open a personal line of credit for {$20000.00} for which I applied and was approved. I am using the line of credit as overdraft protection on my checking account at XXXX XXXX. The week before that I accepted an invitation from XXXX XXXX to open a credit card with XXXX XXXX through XXXX XXXX. I own XXXX vehicles that require maintenance so I took advantage of XXXX XXXX credit card offer and was approved. I maintain XXXX balances on the majority of my credit cards and am currently using only seven percent of my available credit lines that total over half a XXXX dollars. I am surprised that State Farm / U. S. Bank declined my application and am writing to ask you for help obtaining the credit card I should be approved for based on my income and excellent credit rating. | ||||||
| 05/25/2020 | Yes |
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| On XX/XX/2020 I opened a checking account online with US Bank in XXXX. At the time US Bank was offering a {$300.00} promotion to anyone who opened a checking account by XX/XX/2020 and had made at least 2 direct deposits totaling {$2000.00} or more within 2 months of the account opening. Additionally, to qualify for the {$300.00} bonus, one had to either be enrolled in US Bank Online Banking or the US Bank Mobile App by XX/XX/2020. I met all of these requirements on the XXXX of XXXX except for direct deposits totaling at least {$2000.00}. It took me until XX/XX/XXXX to meet that requirement, well within 2 months of the checking account opening. On XX/XX/2020 I sent the following message in US Bank Online Banking : Account Number : XXXX Comment Box or Question : Hi Just wondering when I will receive the {$300.00} bonus for opening a checking account. I believe I have met all the requirements. When I signed up it sent me to a page that said the promo code was already activated. Thanks very much for your assistance. Sincerely, XXXX XXXX. ___________________ I received the following response on XX/XX/2020 : Hello XXXX, Thank you for writing us, I hope you are doing well and staying safe! My name is XXXX, and I appreciate the opportunity to review your account to determine the status of the bonus. Upon review of your account, I do not see that a promotional code was entered on your application. In order to meet the terms of the offer, the code must be entered on that initial application in order for you to be eligible. Due to this consideration, the account would not be eligible for the promotional bonus. I know this isn't the outcome you were hoping for, and I'm sorry for any disappointment this may cause. If the promotion is still being offered, we can have the code still applied to the account. Could you provide me with the promotion code you intended to use? Once your reply is received, I can check to see if we can apply it to your account or not. I look forward to your reply. Sincerely, XXXX XXXX. U.S. Bank XXXX XXXX Department [ THREAD XXXX ] __________________________ I responded with the following : Hi XXXX, Thanks for the email. Please see the photo attached. As you can see the promo code was already added according to the US Bank website. There was no activation code given. And really isn't the promo code besides the point? Clearly I signed up for a new checking account within the date specified in order to receive my bonus. Furthermore, I was enrolled in U.S. Bank online banking before XX/XX/XXXX and I made at least 2 direct deposits totaling {$2000.00} or more. I would very much appreciate the {$300.00} bonus in my checking account. Thanks for your help. Sincerely, XXXX XXXX I received the following response : Thank you for your reply, XXXX. Unfortunately, the screen shot you provided doesn't show the promotion code or anything tying it to your account application. On an exception basis, if the offer has not expired, we can request that the promo code be added after the account has already been opened. In this case, this offer expired a number of months ago, and the promotional code can not be added after the fact. I am very sorry for any disappointment this may cause. If you have more definitive screen shots, we'd be happy to review them if you forward them to us. Please accept my apology for any inconvenience or frustration this experience has caused. I hope that your future experiences with U.S. Bank will better meet your expectations. Respectfully, XXXX XXXX. U.S. Bank XXXX XXXX Department [ THREAD XXXX ] _______________________ I replied with the following : XXXX, I am pretty shocked that U.S. Bank would operate in this fashion. This is obviously a scam most likely being used on numerous customers. I will be looking to bank elsewhere in the near future. XXXX This was the end of the email correspondence. Please see the attached screen shot of the offer for the {$300.00}. | ||||||
| 02/22/2022 | Yes |
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| My name is XXXX XXXX. On XX/XX/2022 I deposited XXXX XXXX XXXX money orders in the amount of {$500.00} into my personal account via US BANK XXXX APP. I usually utilize the branch window or ATM Deposit option but thought the mobile app would suffice. They immediately gave me access to {$500.00} while the other " cleared '' or flagged for random audit so they claimed. By Wednesday XX/XX/2022 upon checking my personal checking account a HOLD was placed soon after both money orders were supposed to be cleared. I contacted the US BANK Corporate 24hr Banking who then disclosed my account was under review due to " irregular activity '' I've had my personal checking and business checking with this bank for close to 2 years without any issues or " fraud '' related activity on my account. I use XXXX XXXX Money Orders to pay myself a salary as an employee of my company bi-weekly between $ XXXX {$1000.00} with my name XXXX XXXX as the Payee and signed the back of each money order. I chose not to have checks with this account only my Not-For-Profit account. I then called XXXX XXXX XXXX to track my money orders and XXXX XXXX confirmed my money orders were cashed on Tuesday XX/XX/2022. The same day both money orders were deposited ; yet a hold was placed on my account on XX/XX/2022. My account has been on hold for 2 1/2 weeks as of XX/XX/2022. I was recommended to contact the main US BANK branch of where I opened my account originally and explain my situation. The branch manager was very nonchalant claiming although my bank statements didn't reveal any illegal activity related to fraud the Risk Department might have see otherwise. However, every time I called to speak with someone in the Fraud Department they claim to have minimal information and directed me back to the branch manager. Once again I speak with the same branch manager and he claims he has submitted a REQUEST TO REMOVE HOLD from my account. He claims he can only submit the request but it's up to the Risk Department to honor the request. I'm being tossed around the banking system like my concerns don't matter or my issue of not accessing my funds is a bother to their day. I continue to get passed around the US BANK system with no resolve to my issue or access to my funds as of today Tuesday XX/XX/2022. On Tuesday XX/XX/2022 I received a letter from US BANK that they started to process of closure of my personal checking account. So let me understand this correctly, the bank puts my account on hold due to a deposit of XXXX VERIFIED money orders yet they claim both money orders couldn't be verified now they are attempting to close my account. As a consumer I have yet to receive evidence or documentation of the legitimacy behind closing my account. The lack of communication on US BANK part is causing my business to suffer for the past 2 1/2 weeks. I have auto-bill pay set up for my business accounts and due to the bank authorizing a hold on my personal account my business accounts are being reported as late payments or returned. This is unacceptable because I've never been late on my business credit. This is a form of discrimination for a business woman of XXXX. As soon as my income increases in my business revenue starts to reflect in my bank statements that includes a paper track-record now it's being " questioned ''. Not once have I had this issue with US BANK in the past. Their business practices are unethical along with the intentional sabotage with no valid reasoning. I will be retaining a lawyer for this issue. I refuse to allow US BANK to get away with this new age racism against people of XXXX trying to change the trajectory of their families on a mission to build generational wealth. I understand fraud is real. However, my character and actions speak for itself. I would never jeopardize my Not-For-Profit organization of 6 years for a {$1000.00} deposit. Once this is settled US BANK will lose another valuable customer due to their inadequacy. | ||||||
| 10/15/2022 | Yes |
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Web | Older American |
| My spouse passed on XX/XX/2022. There is a will designating me as the sole heir. Also, in Minnesota, the surviving spouse usually will inherit the entire estate. That is also often the case even if there is a will that partially or entirely disinherits the spouse. In Minnesota, the surviving spouse is usually entitled to at least {$50000.00} of the estate. Though I was not listed as an owner on my deceased spouse 's U.S. Bank checking account, I always had full access to that account. Now, however, U.S. Bank is denying me access to the account without disbursing a balance of some $ XXXX that should have been available to me. And that at a time when I have to meet some unusual expenses ... .. My deceased husband even left me a signed check payable to his church to pay for funeral expenses. That check is now worthless. I also had transferred $ XXXX to his account to cover automatic payments to creditors and other expenses, if any. Also those funds are no longer available. Yesterday, XX/XX/XXXX, I discussed the issue with XXXX XXXX XXXX, Client relationship Consultant at U.S.Bankcorp Center- Main Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, XXXX, XXXX, providing her with marriage and death certificates, I.D . 's, bank cards, and the will, to no avail. She simply handed me a XXXX note indicating that the bank required either an " Affidavit of Small Estate '' or " Letters of Testamentary ''. When I asked what those documents consisted of, I was told to see a lawyer. Really? More expense to simply get access to what is rightfully mine? I would like a letter from the bank stating in detail why this is a requirement for a small estate when it is clearly the intent of the State of Minnesota to avoid unnecessary red tape and expense in such cases. I as well would like to have that letter reviewed by Minnesota 's Office of the Attorney General, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, XXXX. What is particularly galling is that when I pull up the " Affidavit of Small Estate '' template ( 4 pages long .... ) that the legal pages on the internet provide, the very first instruction is to NOT complete the form WHEN THERE IS A WILL. There also is another form, the " Affidavit for Collection of Personal Property '', which has small estates avoid probate when the estate is no greater than $ XXXX But that affidavit can not be processed until at least 30 days after the death of my husband -- far too late to avoid financial distress! I called XXXX XXXX relative to my predicament and obviously, while having the authority to issue demands for what the bank " requires '' in terms of seemingly unnecessary documentation, she does not have the legal background to judge the practicality of her demands. As it is, " Letters of Testamentary '' appear to involve a court judgment following a procedure close to probate, which in and of itself, the state appears to deem a procedure to be avoided in the case of small estates. In my view, all U.S. Bank is attempting to accomplish by demanding anyONE of these documents without any legal basis or understanding is, to put it plainly, CYA -- and that, on my time, on my nickel, and to my detriment ... .. Do please intervene on my behalf and on that of so many others facing the same predicament, especially at a time when everyone is already facing all too many other financial challenges -- while banks reap the benefits of increasing interest rates and profit from charging late fees, overdraw fees, and what-not fees. Truly, the safest place for one to keep their money these days is under one 's mattress! In my case, U.S. Bank, is profiting from an interest-free loan. I would like to see them charged late fees as well as interest at the bank 's overdraw protection rate of 21 %, until I receive their letter of explanation and the funds are disbursed. My sincere thanks for your help. Please do have XXXX XXXXXXXX XXXX office receive a copy of this complaint. | ||||||
| 05/22/2023 | Yes |
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| On XX/XX/XXXX or XX/XX/XXXX, I went into US Banks downtown branch in XXXX, XXXX to close a joint checking account a XXXX overdraft protection reserve accounts associated with that account. When asked why I wanted to close those accounts, I stated that I was getting a divorce and no longer wished to have those accounts. The employee did not understand what the overdraft/reserve accounts were, so I explained and even brought up the last XXXX digits of each account on my phone to help. I also explained that the overdraft protection accounts each had {$10000.00} available to use. The employee was able to close the joint checking account and XXXX of the overdraft/reserve accounts. For some reason, she said the system would not let her close the other overdraft reserve account. She continued to try. She noticed that I also had another checking account with a {$2000.00} overdraft/reserve account that goes with it. On XXXX occasions during that bank visit, she asked if that was what I wanted to close and both times I emphatically stated that I wanted to keep the {$2000.00} overdraft protection account. The employee continued to to try and help with closing the other {$10000.00} by asking another employee and sending an email seeking help. She had no success, so she told me I would probably have to call US Bank customer service to get that completed. I think it was sometime in XX/XX/XXXX when I called US Bank and asked for that remaining overdraft/reserve account to be closed. The customer service rep. had to get a supervisor to do this, so finally that account was closed. I had also been noticing when I checked my account online that my {$2000.00} overdraft protection/reserve account did not seem to be appearing on my list of present accounts. I think it was XX/XX/XXXX that I went into the downtown US Bank branch in XXXX, XXXX to check to see if my {$2000.00} overdraft protection account still existed. I was told it did not! This was not the account I wanted closed, yet I believe it was just clicked away and closed that day in XXXX, even though I stated twice that I wanted to keep that. I asked if that could be restored. I was told I would have to reapply for that. So, I started that process with XXXX. She also told me that since my daughter is on my account, she would also have to apply. I supplied my financial information to XXXX, and then she said she would send me a link via email for my daughter to apply. The next day, XX/XX/XXXX I get an email from XXXX stating that it would be better to do a low interest credit card for overdraft protection. On XX/XX/XXXX I replied to XXXX and said that I didnt really want another credit card. I also asked if my account currently had any overdraft protection. She never responded. The fact that a USBank employee clicked away apart of my account that I cant seem to get back did not sit well with me and has grown more irritating over time. On XX/XX/XXXX I called US Bank customer service and spoke to XXXX and explained how my overdraft account had been clicked away during a bank visit and could I have it restored. XXXX seemed to check with a supervisor more than once during the phone call and tried to do everything she could to restore my overdraft protection account, but in the end she had to say it was not possible. I want the {$2000.00} overdraft protection back, just like I had before. The fact that an employee can click it away in an irreversible action is absolutely unacceptable! I should not have to reapply or be offered some other product that I do not want. US Bank is also remiss in sending paper notification of when an account is closed. I also closed a savings account with US Bank and that is the only paper notification I received about accounts being closed. I was only notified on paper for for XXXX out of XXXX closures. That is also unacceptable! I had to find out on my own, by going into the bank XX/XX/XXXX that my overdraft account not longer existed. | ||||||
| 03/15/2017 | Yes |
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| My mortgagee, USBank has mismanaged the escrow account. They have made unscheduled, unjustifiable and frivolous disbursements at their discretion resulting in an escrow shortage and fluctuating monthly payments. Furthermore the manner in which they apply payments to the loan, ( escrow, interest and principal-in that order ) has resulted in only partial payments to the P & I thereby forcing the loan into default. They began servicing the loan in XXXX, from XXXX to present only XXXX escrow analysis have been produced, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX of which were within 4 months. As per XXXX XXXX, escrow analysis are done as needed. As of the last and most current and as acknowledged by XXXX XXXX, the bank is to escrow {$110.00} monthly ( {$1300.00} yearly ) for the payment of real-estate taxes. On XXXX/XXXX/XXXX there was a disbursement made to an insurance broker in the amount of {$1200.00} for " earned premium '', a fee the broker was requesting for a policy I had canceled and replaced. Not only was this not a premium but the bank was not escrowing for insurance. XXXX XXXX 's response to why this was paid was " it was in the interest of the loan ''. Being this was not the first time there has been a problem with the escrow and the payments ( in XXXX the bank caused an escrow shortage by paying the real-estate taxes on the wrong property, they then covered that shortage using the monthly payment resulting in a " missing payment '' ) I attempted to resolve the issues with XXXX XXXX only to be contacted by the bank 's attorney when I would not pay their demand amount without first resolving the issues. I acknowledge that during this period there were a couple of late payments that were my fault but as so noted by the banks attorney, the payments were applied to the escrow, interest and principal ( in that order ) of the loan, resulting in compounding late fees and short payments which eventually forced the loan into delinquency. XXXX XXXX, shortly after I contacted the OCC in the hopes they would help resolve this matter, the bank filed to foreclosure, to stop the foreclosure in XXXX XXXX I paid their demand amount which was now {$16000.00}. A few weeks later, on XXXX/XXXX/XXXX, the bank 's escrow department initiates contact with the same insurance broker they had paid the " earned premium '' in XXXX, requests and pays {$2700.00} for an insurance policy premium. not only are they not escrowing for insurance but they purchased a policy without my knowledge or consent. When asked how this premium was paid for? XXXX XXXX reply was " from an escrow overage ''. It seems that they control the loan at their discretion whether its performing an escrow analysis, making disbursements, purchasing insurance or how the payments are applied to the loan and unless the amount they state is paid, the loan is pushed into foreclosure. Not only have I not been able to get an actual escrow and payment history but I have been informed that I am responsible for the {$6600.00} bank attorney fees. XXXX XXXX always responds but he is evasive and does not answer the requests, for instance, he states he has provided the payment history numerous times, this not true, I 've only received a print out for the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and it does not reflect any fees or escrow information, just recently after many requests for both a payment and escrow history, I received a spread sheet someone created, this is not an actual history, in our last correspondence he states that in 30 days he will provide copies of my canceled checks so that I can compare them to the spreadsheet, this is not what I 've been requesting as it will not explain how each payment was applied to the principal, interest, escrow, fees, etc of the loan. To better explain the situation, I have attached some correspondences and the spreadsheet, I will provide additional documentation upon request. | ||||||
| 08/01/2017 | Yes |
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| In XX/XX/XXXX I filed my XX/XX/XXXX tax return. I had no knowledge of XXXX XXXX XXXX. I filed the XX/XX/XXXX-intrest statement from XXXX XXXX, my loan was with that mortgage company. I amended my return when I learned my former employer XXXX XXXX XXXX XXXX took {$53000.00} of my employee owned senior preferred retirement pension. IRS had already paid me {$4000.00}. My home was broken into and copies of my paperwork was being made. IRS told me someone is using the person that filed my return in XX/XX/XXXX for XX/XX/XXXX. I only used that person once, after my home was hit by a tornado in XX/XX/XXXX. The person name is XXXX XXXX XXXX. Her EIN number is XXXX. The name of her company is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX TN XXXX. Transactions maybe made using her information. There was an attorney name XXXX XXXX that pulled information for me on the property. I never saw my XX/XX/XXXX XXXX to file my taxes. I had to call my former employer to print my XXXX for XX/XX/XXXX and check stubs for my severance packet. This is the year I was focused on depositions for the medical malpractice law sue I filed in XX/XX/XXXX. Family members knew of this, my former employer knew of this. I was laid off on XXXX/XXXX/XXXX. I 've learned the company was served a subpoena on XX/XX/XXXX, requesting my employee records. XXXX XXXX XXXX XXXX XXXX refused to give the courts my employee records. They were pulled in XX/XX/XXXX and given to me. I never received my original XXXX in the mail to file my taxes. The person that file my return for that year did n't use the information reported to IRS received by XXXX XXXX XXXX XXXX. The information was also reported to The Social Security Department. The person filed as head of household and filed an exemption. I no longer have an exemption. My XXXX XXXX child is an adult now. He receives XXXX from social security. I 've been told by the United States Attorney General his power of attorney Is had on him as a child is on XXXX XXXX XXXX file. His name is XXXX XXXX XXXX, his ss # is XXXX. I am trying to get information from that bank. They are also pulling information for me. Complaints have been filed with them also. Let me know what you need from me please. I 'm giving you permission to pull information about me with the identity theft packet. I have nothing to hide. My parents are XXXX and their social security numbers are stillbeing used by the family members. My father XXXX XXXX in XX/XX/XXXX, my mother XXXX XXXX in XX/XX/XXXX. Their names are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I included an account number that was used to make a payment to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. The date the transaction took place is XX/XX/XXXX. My account with XXXX XXXX XXXX was XXXX. The mortgage payment was applied to account number XXXX. It 's as though the account was set up to transmit via XXXX. Your XXXX account was used to set up the account with United States Bankruptcy Courts. Your XXXX account is XXXX XXXX, it was added to the bankruptcy data base on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX. This is how I learned of this. I pulled the certificate of notice from the United States Bankruptcy Court XXXX District of Tennessee. Case number XXXX. The Honorable XXXX XXXX is the Judge over the case. The police report number is XXXX it was filed on XX/XX/XXXX. After my home was broken into, all of my laptops taken. A mother board I had from a older computer was taken from my home. My lab top was hacked into, all of my files was taken. Checks was stolen from the home. From XXXX XXXX and XXXX XXXX XXXX. Someone have gone above and beyond to prevent me from having information. I ran a diagnostics for four days and put information on a TB Hard Drive. I gave the information to a family member, before I knew it was my entire family. XXXX XXXX XXXX kept my hard drive. Another account number on XXXX XXXX XXXX XXXX is XXXX in XX/XX/XXXX. The amount of the payment was {$550.00}. | ||||||
| 03/29/2021 | Yes |
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| I closed my checking account with U.S.Bank on XX/XX/XXXX because someone was siphoning money from it. Everyone I spoke with at the bank told me I had to speak with someone in the Fraud Department. After a few weeks of trying to getany help, while I was losing money, I went to the XXXX branch and told XXXX XXXX, to close both accounts. He said he was sorry and that the accounts were closed. I took the cashier 's checks and left.XX/XX/XXXX, I receiveda notice of insufficientfunds due to the activity exceeding itsbalance. I called them because I don't have any accounts with them anymore. Turns out, not only did they not completely close it ( Its been in the process of closing since XX/XX/XXXX ) but my stimulus check of {$600.00} was deposited in it.When I called the number on the back of the notice, the woman told me I had to speak to the Fraud Department. I told her I had tried for weeks to get anyone on the phone from that dept. and I was on hold for over an hour each time and then it hung up on me saying no one was available. She got XXXX. from the Fraud Department on the phone ( he refused to give me his last name saying people could look him up on the internet and find him ... he seriously said that ). He said I had to make a claim for every fraudulent transaction- since each time they took XXXX or XXXX dollars out, he said it would take a very long time ''. I told him this was not my problem since my account should have been closed as of XX/XX/XXXX and I wanted my {$600.00} within 10 days or I would be contacting a lawyer. He said they should be able to do that but I would have to sign an affidavit. I had no problem with that thinking it wouldindicate what actually happened. The " affidavit '' was a form letter to be filled out about an electronic fund transfer ( ACH ) transaction I have examined to be in error and it required me to list each ACH, the date each one posted, and the amount. I certainly havent examined anything since closing the account back in XX/XX/XXXX nor do I have access to it to fill the form out appropriately. I responded by email explaining this and provided a written explanation of the identity theft regarding this account. I dont consider it my account anymore because I relinquished ownership of it when I told them to close it.I did not bother to delete the account information from my bills online since it was supposed to be closed. Twice- once in XX/XX/XXXX and once early this month, I clicked on the wrong account, clicking on my old US Bank checking account to pay a bill but I quickly chose my current checking account to use instead. I noticed a week after I spoke with XXXX, the credit to both accounts were applied retroactively. I received a notice a few days later that there was a positive balance of {$100.00} after {$500.00} had been credited to my credit card. I went to the XXXX branch and I spoke with XXXX XXXX. She said there was a negative balance and multiple fraud claims attributed to the account and that is was now frozen. She said there was nothing she could do until the Fraud Department resolved the claims. She gave me her card and said to call her if I couldnt get a hold of anyone in that dept. I then spoke with XXXX in the Fraud Department He said this account should have been closed in XX/XX/XXXX and he was very sorry they didnt do so. He said there was ( again ) nothing he could do until all the claims were resolved. Last week, I received 3 letters on the same day. One that stated that the account has been overdrawn by {$210.00} for at least 5 days and I should make a deposit as soon as possible. And the other two were identical stating that they received my claim dated XX/XX/XXXX regarding an electronic fund transfer that you believe to be in error or otherwise unauthorized. They stated for me to be eligible for provisional credit, they must receive my claim in writing within 10 days. With the letters was the same affidavit I refused to sign before. | ||||||
| 12/12/2021 | Yes |
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| ( I was unable to find an option that matched my complaint, so I chose the one that most closely matched ) Due to a mistake by US Bank, I have been unable to drive my car XXXX since XX/XX/XXXX. In early XX/XX/XXXX, I applied and was approved for an auto loan for my XXXX XXXX XXXX ( lease buyout ) with the US Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After signing the paperwork and getting the loan funded, I thought the process was completed. However, unbeknownst to me, US Bank had instructed the previous lienholder, XXXX XXXX, to mail the title to their back office instead of me to start the title transfer process. I was not informed of this development, assuming that as usual, I would be mailed the title directly and complete the process, along with paying taxes, fees, and registration, at the DMV. In early XXXX, I attempted to renew the registration of my vehicle at a DMV Kiosk, but I encountered a strange error. After a few visits to the DMV, I found out that in fact I would not be able to renew my registration at all due to an in-progress title transfer, and the only way to finish the process would be to bring the title to the DMV, along with the bill of sale and loan documents. At this point, I reached out to XXXX XXXX and was informed that the title was in fact delivered to US Bank on XX/XX/XXXX, and that they should handle all the paperwork. After a few months of radio silence, the XXXX XXXX US Bank branch reached out to me on XX/XX/XXXX and asked me to sign the title, as well as pay taxes on the title transfer. I did as instructed the following day. My vehicle 's expired registration had already amassed hundreds in late fees, and I inquired as to whether these could be covered, but was informed that this was up to the back office. I further inquired as to when the title transfer process would be completed, but I was again informed that their hands were tied, and that this was all up to the back office. No one I spoke with at US Bank offered any hint of accountability or even willingness to help solve my problem. I called both the branch and US Bank 's main customer service line numerous times over the past few months, but each time I was told that the best they could do is send an email and get back to me. Not a single employee of US Bank or their call centers has ever followed through on their promise to call me back. XXXX XXXX of the XXXX XXXX US Bank location claimed repeatedly that this error was not caused by him, and he too was at the mercy of the back office. When speaking to other customer service representatives and asking to speak to this " back office, '' I was informed that they were an internal team and not contactable by the outside world. Calling in weekly for status updates, I was repeatedly informed that the back office had not yet received the title from the branch. Furthermore, every agent, despite what I can only assume to be copious notes on the account, appeared oblivious to the fact that the branch had even sent the title back out, for there was no internal documentation regarding the matter. To add insult to injury, I even received a letter from US Bank in XXXX asking ME where the title was, and that I should send it in if I had received it in error. This complete lack of organization was frankly appalling. In my most recent communication with US Bank on XX/XX/XXXX, I was informed by a supervisor that the title had yet to arrive at the back office, and in fact he had no access to any information as to where the title might be. I practically begged for any ability to escalate the issue and talk to someone who might be able to actually help me, for I had now been without my car for several months, but alas this was not possible. As with every representative before him, he sent out an email to the " back office '' and promised to call me back. I later sent the attached letter, which contains more information, to the CEO of US Bank, XXXX XXXX. | ||||||
| 08/01/2022 | Yes |
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| The problem is that I was on unemployment due to the pandemic and the Colorado unemployment had deposited {$13000.00} and on XX/XX/XXXX a debit card was ordered and was shipped to an address that did not belong to me as someone had stolen my information as well as my phone I was not even in the united states at the time plus unemployment had found that my accounts had been compromised then on XX/XX/XXXX I had spoken to someone who had given me information pertaining to my card and I had asked them to due a online bill pay for {$1600.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pay the deposit on a steel building i had ordered which was supposed to be delivered XX/XX/XXXX which the building did not show up and I had contacted the company who no longer is in business and told me I will have to dispute the charges which I did and us bank rejected my dispute which I have documentation to back up my claims within this complaint them on the following days both the purchases and ATM with drawls were unauthorized transaction and were not done by me or anyone authorized to use my card reminding you i have never received my ATM debit card where there charges have been charged upon so the following ATM withdrawals on XX/XX/XXXX for {$500.00} another one on XX/XX/XXXX for another {$500.00} on XX/XX/XXXX in the amount of {$500.00} on XX/XX/XXXX for {$1000.00} on XX/XX/XXXX an unauthorized purchase for {$26.00}, {$47.00}, {$12.00}, and $ XXXX XX/XX/XXXX ATM withdrawal for {$1500.00} on. XX/XX/XXXX ATM withdrawal for another {$1500.00} on XXXX unauthorized purchase for {$80.00} and {$72.00} then on XX/XX/XXXX ATM withdrawal for {$1500.00} then again on. XXXX XXXX ATM withdrawals for {$23.00}, {$100.00} and $ XXXXand an unauthorized purchase for the amount {$150.00} on XX/XX/XXXX unauthorized purchase for {$77.00} then another unauthorized ATM withdrawal for {$600.00} with another unauthorized purchase for {$220.00}, {$170.00} then on XX/XX/XXXX unauthorized purchase in the amount of {$150.00} on XX/XX/XXXX for {$12.00} & on XX/XX/XXXX for {$14.00} once I realized my account was compermised I called the bank and explained to them that someone had stolen my information and had used my stolen phone to access all of my accounts and had changed my address in both the bank account and my unemployment account and that Colorado unemployment had found that to be true as I was and have been stuck in XXXX and none of the transactions had been made by me nor were they authorized by me and I had sent them proof that I was in XXXX and California and not in Colorado. Plus the surveillance footage should also prove that that none of the transactions were made by me. Further i was contacted by a creditor stating that us bank had gotten there money back on the disputed transaction but did not reimburse me at all for any of my disputed transactions. Which I don't understand how the banks can get away with this and how they can denied me and keep my money. I had sent them proof on numerous occasions that I have been in XXXX XXXX just to be denied further I had asked the bank to send me the documentation they used to denied my claim. And on both occasions they had told .me they would send me that information and still to this date I have not yet received anything in the mail nor by email. I have gone above and beyond to comply with the bank and have proved my claim. But still i have nothing. and still as of this date I am still residing in XXXX due to not being able to cross back over to the USA because I. Dont have my pass port. Please help me resolve this issue thank you for your time and consideration in this matter. Respectfully submitted, XXXX XXXX I will send. The documentation upon request as I have tried to up load it numerous times just to be logged out XXXX having to re due this complain tome after time .so I am submitting this now and will try and up load the documentation at a later date.thank you for understanding. | ||||||
| 07/20/2019 | Yes |
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| On XX/XX/2019 I called ( on my cell phone ) US Bank Home Mortgage to ask if I make a mortgage payment the next day ( because that was when I got paid ) and would I have to pay a late fee, the customer service representative said no. The next day I made my mortgage payment online through US Bank and shortly after I received an E-Bill payment confirmation email from US Home Mortgage stating " Dear X, You are receiving this email to confirm your payment will be processed on XX/XX/2019 for account ending in XXXX. Please review the payment details below to confirm accuracy. The payment will be debited from your checking account ending in ****** for payment due on XX/XX/2019 in the amount of $ *******. The confirmation number for the transaction is : XXXX. We appreciate you making your payment using our E-Bill service. If you did not make this transaction or if you have concerns with this payment, please contact us immediately at usbankhomemortgage.com or call XXXX, representatives are available to assist you Monday Friday between the hours of XXXX XXXX XXXX XXXX, CT and Saturday between the hours of XXXX XXXX XXXX XXXX, CT. If you wish to update your subscription preference, you can do so at anytime by logging onto usbankhomemortgage.com and go to Manage Preferences. Thank you, U.S. Bank Home Mortgage '' I reviewed the details in the email and I thought everything was fine until today XX/XX/XXXX when I logged onto my mobile banking account and saw that the funds for my mortgage payment were not been taken out. I called customer service again at ( XXXX ) XXXX and asked why the funds were not taken out if I made the payment on the XXXX, the customer service representative told me that I would get a letter in the mail explaining what had happened. I said I want to know now, that I made the payment online and have a confirmation # that it was submitted successfully and that I didn't receive any type of notification from US Bank via phone, the phone app or email telling me that there was a problem processing my mortgage payment. On the contrary I got a confirmation # stating that it was submitted successfully. She then apologized and told me that there was an error when I made the payment online, a user error, and that I put one wrong number in my account number, and thats why the payment wasn't taken out and that I now have a {$31.00} Late Penalty Fee. I requested that she process my mortgage payment over the phone which she did, and that they waive the late fee because I should've notified me asap that it wasn't successful instead of telling me that it was successful and even giving me a confirmation #. She said that she couldn't waive it because I already used my one time courtesy waiver ( I used that over a year ago ). I said that this wouldn't be a courtesy for me that they should've notified me that it never went through. After 47 minutes ( 40 min of which I was on hold ), two customer service representatives, and one very condescending yet apologetic Mortgage Supervisor named XXXX ( XXXX ), I was given the run around and told that the late fee could not be waived because it was my mistake not theirs, and that I could've used my phone to look up my account number, I used a check and apparently a phone is better according to the Mortgage Supervisor. I explained my financial situation and also that with the technological advances that they should've told me the payment didn't go and they said that they did and that I would get that letter in the mail. I feel scammed, and as though I am being nickle and dimed with this fee. This bank confirms my contact information with every person I've spoken to, they always ask what is the best form of contact and I say email and yet for this they are going to send me a letter 5-7 business days later to tell me that my online mortgage payment didn't go through when I found out on my own because I noticed that the payment wasn't taken out of my account. | ||||||
| 10/28/2019 | Yes |
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| This Account is relatively new. I opened a student checking account with U S Bank and everything seemed to be okay until U S Bank selected to freeze my account and Close it without my permission. This action was taken by US Bank because a check which was returned, an item i had mobile deposited into my US Bank account on XX/XX/2019. The check was for {$35.00} and drawn on XXXX XXXX XXXX. The check was issued to me by XXXX XXXX as a refunded for a lost Money Order I had misplaced several weeks prior to receiving the check. US Bank stated that the check was returned because it was Altered/Fictitious however the Bank 's position and it's accusation are indications that Bank is incompetent and has implicated me in crimes based on its own speculation. The Check which was deposited to US Bank was not altered or fabricated in anyway whatsoever. Due to banking laws US Bank can not blame XXXX XXXX for the Check being Fictitious because this would be considered Banking Defamation. Ive communicated with US Bank several times about this matter and now I am escalating it in which I will take action against each player in the events that took place. When I received the Check XXXX XXXX set me I First attempted to cash it in person at XXXX XXXX since the item is drawn on that Bank. The Banker assisting stated that she could accept and cash the check however due to a agreement between XXXX XXXX and XXXX XXXX, the check had to be deposited into a XXXX XXXX account which meant I would be required to open an account with XXXX XXXX. I declined this avenue to avoid opening a new account, and taking more of my time. The Banker returned the check to me, before I left the branch I specifically asked the Banker assisting me who turned out to be the Service Manager, at the XXXX XXXX XXXX I visited on XX/XX/2019 if I would have difficulties cashing the check since it had been run through their check verification system. The Banker gave me her card and explicitly stated that there would be no issue cashing my XXXX XXXX Check at another bank or Check Cashing entity and if any issue arose to give the third party her card and advise the individual to call her at the number provided. I then presented the Check to XXXX to cash using its money-services, however customer service could not cash the check for me because ( according to the manager ) the check reader could not reach the account and routing numbers on the bottom of the check. The manager continued saying that this was a common issue. At this point I decided that I would deposited the check into my account using my app 's mobile deposit feature. Which had brought me to this juncture. When I learned that this check had been returned US Bank first assessed a {$19.00} fee on my account which totalled in the amount of {$54.00} deducted from my balance. I Visited the nearest US Bank Branch to me and spoke with a Banker who embodied US Bank so well I then decided instead of explain myself to an ignorant bank that would dare accuse me of fraud and other indecent behaviour and freeze my money and close my account while I encounter hardships and suffer damages I escalate it at EVERY resource available and take action against US Bank and hold it Liable and responsible for my pain and suffering due to its insufficientences and proper mitigation and risk management processes. For example there is A XXXX XXXX sticker on the front door of the branch I visited about this matter. The Bank as a whole or any one banker can pick up a phone call XXXX XXXX on a secured line and provide the reference number listed on the check as well as the letter that I received with the check or call and requested to speak with upper management at XXXX XXXX and verify that the issued my a check for {$35.00} in order to provide a refund for a misplaced/lost money Order which I purchased with Several weeks prior, an event which predates my decision to open an account with US Bank as a matter of fact. | ||||||
| 04/21/2017 | Yes |
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| I have a credit card account wit h US Bank, which I believe has been paid in its entirety since the account was opened. US Bank, however, disputes this, and is continuing to send me correspondence that my account is very past due. I opened this account in XXXX XXXX . After several months of using charging purchases to the card, I realized that I had n't received a statement yet. I was also unable to see any purchases in my online banking account, although the card itself did appear. In early XXXX , I decided to call customer service and ask whether there was a problem. After some research, customer service determined that my account had been opened incorrectly. It had been set up with a " central billing profile. '' To the best of my admittedly limited understanding, this is some type of separate subaccount disconnected from the card completely. The charges were being billed to the central billing profile and that 's why I was unable to see them online. Further, the banker had inadvertently assigned an old address to the account so the central billing profile statements never made it to me. ( The card itself was shipped to the branch where I applied and I picked it up there. ) Eventually, I was assured that this problem was resolved and indeed my purchases began showing up in my online account. A branch banker made a print-out of the statements from the central billing account, which I then proceeded to pay off. Or so I thought. Several weeks after making this payment, I received a series of confusing letters and statements. It seemed that my payment had been applied to the " card account '' but now the " central billing profile '' account was in delinquency. I made this payment over the phone. The representative was aware of the problem and ensured me that the payment would be routed correctly. Each month thereafter, I continued to receive multiple statements for this one account, which never added up right. Further, I missed out on the account signup bonus because I was unable to see my current balance to know how much more I needed to spend. On XXXX XXXX , I sent a certified letter ( which was received ) explaining that it was my belief that I had fully paid off this card. ( I had stopped making further purchases. ) I made what I believed to be a reasonable request that they examine my account and, if they believe that I still owe a balance, then please provide a complete statement of the entire account since it had been open so I could reconcile it with my own records, which showed that I was current. In response, I received a phone call asking me to call back the lending department to further assist me. I explained that I had spoken with them multiple times over the past three months of trying to resolve this issue, and had also gone in branch multiple times. Each time, I was assured that the problem was resolved and I 'd receive one statement showing me as much at the end of the next billing cycle. Of course, that never happened. I asked the phone representative, again, to send me a complete record of all statements since the account had been opened. She said she would n't do that, but promised a follow-up phone call from her manager. That never happened either. However, I did n't receive any further correspondence from the bank until today, so I was beginning to think perhaps they had resolved the problem. Unfortunately, today I received another statement of delinquency accompanied with a letter letting me know that my charging privileges would soon be revoked. Still, no one has actually looked at the account and provided me with the documentation that I 've asked for. I continue to believe it 's very possible a payment that I made to the account was not applied to anything, and I would like to reconcile my records with their 's before paying more. I hope that someone with the necessary authority is able to help me resolve this problem. | ||||||
| 08/04/2021 | Yes |
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| This email was sent to US Bank on XX/XX/2021. The complaints to them began on XX/XX/2021 and they responded with a letter that was untruthful on XX/XX/2021. They should have responded within 15 days, but NEVER did : Please send this email to the Office of the President as this is a response to their letter of XX/XX/2021. I can't give you a name because THERE ISN'T ONE anywhere in the letter. I finally received a letter from you today. This IS NOT the letter supposedly sent on XX/XX/XXXX, nor a copy of it supposedly sent XX/XX/XXXX. It is obvious that there has been no investigation of my issues that was sent to you on XX/XX/XXXX with 2 follow-ups a couple of days later. Yes, you have been phoning both me and my son AT XXXX XXXX here in California. You never left voicemail and the only ID from you was Illinois. When customer service did reach me, I informed them that I can not hear them. I asked that they just send the letter from the alleged investigation. They are no longer trying to call me, but are continuing to call my son at XXXX. STOP calling my son. He has my card in his name because he needs to purchase things for me because of my XXXX. If you had reached him, you would have made 3rd party disclosure, which, as you are very aware is prohibited by both state and federal law. I am unable to sign-up for alerts because you require a mobile phone to do that. As I have informed you many, many times, I DO NOT OWN a mobile phone. They are not made for people with hearing problems that XXXX XXXX can not help. You have lied by stating that I declined to allow you to contact me. That is one of many lies told to me by your customer service person AND her supervisor. By law, you are required to tell me when my card is blocked or cancelled. You ARE NOT doing this. IT WAS INTERESTING that several hours after talking to the supervisor, I suddenly received by email a notice that my card had been reported lost or stolen. This was an abject lie, as I informed you. There was ABSOLUTELY NOTHING wrong with my card. There was NO fraud. The supervisor informed me that you unilaterally had not blocked my card, but had cancelled it. Neither woman would explain why this happened. If you will check my charging history, there are many other charges for over {$100.00} to get food delivery that were never blocked. In the last 10 years, I have had my card blocked numerous times when I try to buy XXXX groceries. We shop only one time per month and the charges are typically {$250.00} to {$400.00} dollars. Before the pandemic, when we still went to the XXXX store, we would shop for up to an hour and then waited in line, only to have the card declined. We would then have to leave the food and drive home to contact customer service. Until last year, we were NEVER told that you had blocked my card for trying to made a normal purchase. Customer service Never transferred me to the fraud division. They simply told me that there was an error and they would fix it. We then had to drive back to the store and waste another hour again making our purchases. With both my cards ending XXXX and the current XXXX, when I activated them, I tried to order online purchases of less than {$20.00} only to find that you had again blocked the card. Why would you immediately block a newly activated card? I am unable to hear any of your fraud or customer service people and they refuse to speak up. Your automated detection system has some real issues and I suggest you fix them. As an attorney, I am appalled by your company 's treatment of it's customers. I have been with you now for 23 years. Contact me by email or letter as to what you propose to do to fix my issues, especially lies told to me, almost every call, by customer service and the fraud division and your office. They are still not responding to any emails and have again blocked my card when I tried to order our monthly groceries on XX/XX/2021. Please help. | ||||||
| 01/27/2024 | Yes |
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| Summary of Issue : 1. US Bank bought my current mortgage from Union Bank earlier this year. XXXX. In early XXXX, I was contacted by XXXX XXXX, who was a Private Mortgage Banker for US Bank based in XXXX California. He offered me a no-cost mortgage refinance under US Bank 's private wealth group. I communicated that I wanted to move forward with the Interest Only ARM option at a 5.75 % Interest Rate. ( see attachment of e-mail ) XXXX. On XX/XX/2023, XXXX XXXX sent me an e-mail requesting certain information be sent to him to lock in the refinance interest rate / APY. I was offered two ARMs, one principal and interest and one interest only. XXXX. On XX/XX/2023, I sent XXXX XXXX all the information requested to lock in the refinance interest rate. XXXX. On XX/XX/2023, XXXX XXXX responded confirming he received all the information necessary to lock in the rate. XXXX. Around XX/XX/2023, my wife and I e-signed all the documents to process the loan through underwriting. We signed U.S. Bank paperwork affirming the 5.75 % interest rate. XXXX. On XX/XX/2023, I received an e-mail from US Bank stating our refinance mortgage was " conditionally approved based on an initial review... [ a ] member of your loan team will be reaching out to help assist you with documentation requirements. '' XXXX. Around XX/XX/2023, I also paid US Bank a {$390.00} fee for an appraisal of our home. An appraiser who did not act professionally came to my home and performed an appraisal. XXXX. On XX/XX/2023, I received an e-mail from XXXX XXXX XXXX, an associate of XXXX XXXX, stating that underwriting had issued conditional approval but needed additional items to complete my file. I provided all the documents requested on XX/XX/2023. XXXX XXXX XXXX sent me an e-mail stating she received everything. XXXX. On XX/XX/2023, I sent additional information requested by XXXX XXXX XXXX and I received a confirmation from XXXX XXXX XXXX that she received the information needed. XXXX XXXX XXXX 's e-mail stated " Received. Will review and let you know if anything else needed. '' XXXX. On XX/XX/2023, I received an e-mail from XXXX XXXX XXXX stating : " We are waiting for underwriting to review the items provided. I will let you know once we have an update. '' XXXX. After XX/XX/2023, I received no direct e-mails or phone calls from XXXX XXXX or XXXX XXXX XXXX. I also received no communication from US Bank about my mortgage refinance for several weeks. XXXX. In XX/XX/2023, I began sending e-mails and calling XXXX XXXX to get an update on the status of the mortgage refinance. I never received any responses nor a notification they were no longer with US Bank. XXXX. On XX/XX/2023, I e-mailed a US Bank employee named XXXX XXXX XXXX, who was very pleasant. She passed my along to her supervisor, XXXX XXXX, who informed me that XXXX XXXX and XXXX XXXX XXXX were no longer employed with US Bank. XXXX. In early XXXX, XXXX XXXX put me in touch with a sales manager in the US Bank Mortgage division who informed me the mortgage refinance at the 5.75 % interest rate could not be honored and my loan application was going to be cancelled. XXXX. On XX/XX/2023, and XX/XX/2023, I received e-mails from US Bank under the name of XXXX XXXX that state : " Thank you again for your home mortgage refinance application. We truly value you and appreciate your patience ... As we move toward your closing date, please know your loan team is available to assist with status updates and questions or to submit any updated documentation required. '' XXXX. In late XXXX, I sent an email with my complaint to executives at U.S. Bank. They responded by having a mortgage relationship manager reach out to me to find a resolution. After multiple weeks of waiting, they offered me a small monetary value to resolve the complaint, which I did not accept since the immediate value of the offered mortgage refinance rate was greater than the monetary value they offered. | ||||||
| 01/03/2024 | Yes |
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| Im writing about a payment I made to my credit card from Ameriprise Visa through Elan Financial. In XX/XX/XXXX I used XXXX bill pay service to make a {$10000.00} payment from my checking account. The payment was sent by XXXX to the bank who previously owned the credit account instead of to Elan. A copy of the check which is dated XX/XX/XXXX is attached. Upon realizing the payment had not been credited to my account, I contacted XXXX and Elan on XX/XX/XXXX. During a conference call the call with both parties, I spoke to XXXX XXXX from Elan who advised us that the address the check had been sent to appeared to be for the bank which owned the account before it had been purchased by Elan. He also advised me that this thing happens sometimes when the accounts get bought and sold and that Elan would open a payment investigation to find the payment and get it applied to my account. He also said that the timeframe for the investigation was unknown. The reference number for the investigation was XXXX. Over the next 2 years, I continued to contact XXXX, Elan, and the bank where my checking account that the payment was drafted from. No one was able to give me any updates of any substance. XXXX advised that they had sent affidavits to XXXX XXXX, as the bank where the check had been deposited, and to Elan, but that Elan was unwilling to sign the affidavit. They have never shared with me what the affidavit was asking Elan to affirm, but since they had not received the payment, this affidavit likely should have also been sent to the bank that previously owned the account. XXXX also advised me several times that they have sent proof of payment to Elan. In XX/XX/XXXX, I began receiving assistance from my checking account bank who was determined to help me locate where this missing {$10000.00} was and how to get it back. During a call to Elan on XX/XX/XXXX, we were advised that the previous owner of the account was actually XXXX and not XXXX XXXX. XXXX XXXX was just the bank where XXXX had deposited the check when it was cashed in XXXX. Upon providing the reference number for the payment investigation from 2 years prior where XXXX had assured me that Elan would contact the previous processing center to locate the payment, that it did not appear that any investigation had ever been done and there had been no attempt by Elan to follow through on their promise retrieve the payment. Now knowing that XXXX was who had the payment Id made 2 years ago, we were able to have XXXX contact them, although they did occasionally continue to try and direct me back to XXXX, and the {$10000.00} has now been returned to me. On XX/XX/XXXX, I contacted Elan again to request to make the payment, but I would like to have it backdated to XX/XX/XXXX, the date on the original payment check which was erroneously sent to XXXX, and that I would also like the account to be re-aged from that date. I was told by XXXX at Elan that he would need to look into the account but that he would call me back in 1 or 2 business days. When a week had passed with no return call from Elan, I called again on XX/XX/XXXX. This time I spoke with XXXX and again explained the situation and my request to her. She also advised me she would need to look into the account and would call me back. We also provided a copy of the check dated XX/XX/XXXX, to show that the payment had been made, it had just been sent to the previous owner. When she called me back the next day, she told me that even though I was misled by XXXX promise of assistance more than 2 years ago, there was nothing they could do. I have been trying to do the right thing for both myself and Elan since XX/XX/XXXX. I was promised assistance from Elan and did not receive it. XXXX consistently gave me the runaround and were not trying to contact the right bank to retrieve the money. I want to make the payment that I tried to make 2 and a half years ago, but I wanted to be treated fairly. | ||||||
| 06/28/2022 | Yes |
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| CFPB Statement : Since me and my friends went to XXXX XXXX, NV, I have been dealing with persistent problems with the XXXX XXXX but more importantly, US Bank as a financial institution. I have a US Bank Altitude Reserve Credit Card, and me and my friends went to XXXX XXXX, and booked a room for north of {$1000.00} through a third party travel agency, for two nights, arriving on XX/XX/XXXX and checking out on XX/XX/XXXX, at the XXXX XXXX in XXXX XXXX, NV. Upon arrival to the hotel, and discussing the suboptimal state of our room with the front desk agent, and then the manager on duty at the time, we were told we were eligible for a XXXX/a night plus taxes partial prorated refund for our room because we were dissatisfied with the quality. This was initially going to be put on the XXXX XXXX the travel agency used to book the room, but after discussing this with the front desk manager, we determined that since we had no access to refunds on the corporate travel booking site XXXX, it would be best for us to receive this refund to one of our cards. My card was already being used for incidentals at the hotel casino so this made sense for my XXXX, the one I am concerned about to be given the credit of XXXX, which was two nights of XXXX plus XXXX XXXX taxes. After checking out, I was given the printed receipt that reflected my XXXX refund, which made my credit XXXX instead of XXXX on this US bank card- the way things should have been. Then, after I left XXXX XXXX, I received word that this had been reversed, and that a XXXX credit had been charged in order to negate the XXXX benefit I received ( that I authorized, while I was in the state ). The reversal, however, which occurred on XXXX ( credit posted on XXXX, rightfully ), was totally without my consent or approval so when I went to dispute it on the US bank app, the User Experience/ User Design mislead me to choosing the option of I did not approve this transaction, which is technically correct but I was told this miscategorized it into identity dispute category when it should have been a charge dispute? Anyways, I called literally 10+ times between XXXX and Today in order to achieve a resolution and was continuously mislead with verbal agents who promised provisional credits when they were not actually coming, solutions when there were none and escalations that proved fruitless. This has gone nowhere with every additional call just being complex and frustrating, and them saying at some point something along the lines of they reversed the charge so it should be okay? NO! It is not, I was owed, and have documentation that I was owed XXXX, not a net of XXXX, which is what I currently have. Essentially, order of events Me and friends use third party travel site to book room for weekend for north of {$1000.00} total Me and friends arrive and are dissatisfied with room quality Me and friends get XXXX refund for part of room put on my card XXXX me and friends leave XXXX XXXX XXXX XXXX XXXX reverses the credit of XXXX without my consent, and against the printed reciept they gave me at checkout, a violation of multiple state and federal laws!!! I use US bank app to try and dispute but this was categorically rejected because I did business with the merchant and US bank has a misleading UX/UI I try to call US bank over ten times and waste hours of my life with customer service people who seem uninterested in fully understanding and fixing I contact CFPB??? It seems like there is no incentive for compliance, and that US bank is incentivized to slowly and barely provide the bare minimum of someone picking up the phone and listening, while charging me undeserved interest and not resolving issues like they are required to under Dodd-Frank and other legislation. US bank has assured me a provisional credit should be issued by today, XX/XX/XXXX, but instead interest posted on the illegitimate charge, so that is a major factor in me reaching out. | ||||||
| 09/03/2015 | Yes |
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| The complaint is being submitted as a result of misinformation/incorrect information, lack of responsiveness from our single point of contact, and for our single point of contact not having a back up assigned while out of the office on vacation. We have a XXXX position mortgage with US Bank and after attempting to short sell our property for over 120 days, we submitted a request, per US Bank 's guidance, for a Deed in Lieu. We submitted our request on XXXX/XXXX/2015 to cancel the short sale process and submitted all documents to begin the Deed in Lieu process to include ( updated request/medical hardship letter/RMA/2 years tax returns/2 months of recent paystubs/P & L statement ). All of the required documents/stipulations to start the process were submitted on XXXX/XXXX/15. The Relationship Manager, ( our single point of contact ), XXXX XXXX, did not return daily phone calls and emails from XXXX/XXXX/15 to XXXX/XXXX/15 regarding the receipt of the information and if additional information is required. On XXXX/XXXX/15, I contacted the US Bank mortgage assistance customer service line at XXXX, and I requested status on the file, and nothing had been reviewed or processed ; therefore, I requested for a change in my Relationship Manager. On this same day, the former Relationship Manager emailed me to inform me the file was in the process of being reviewed for a settlement of 10 % of the total loan balance owed on the US Bank 2nd mortgage which at the time totaled {$93000.00}, and he also informed me XXXX XXXX was not assigned as my new Relationship Manager. I contacted XXXX XXXX on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15, with no response on the status of the file. On XXXX/XXXX/15, XXXX XXXX finally returned my call indicating she was on vacation, in which her voicemail did not indicate, and no back up was assigned to work on the file while she was out from XXXX/XXXX/15 through XXXX/XXXX/15. She said she was unaware of the status being that she just received the file and would need to review. On XXXX/XXXX/15, I contacted XXXX XXXX, and was unsuccessfully able to reach her via phone or email, so I contacted the mortgage assistance customer service line, as aforementioned, and spoke with an individual, named XXXX ( I unfortunately do not have his last name ) who informed me I needed to re-submit all documents and write a new request letter indicating I wanted to request for a review of settlement of 10 % of the total loan, balance, which would start the process all over again. As of XXXX/XXXX/15, XXXX informed me my file was still being reviewed for a short sale, which as of XXXX/XXXX/15, I had made a request to cancel the short sale process review ( this process had never been followed through by XXXX XXXX or XXXX XXXX ). XXXX informed me that I needed to submit a formal complaint to US Bank, which I did so on XXXX/XXXX/15, based on incorrect/misinformation, lack of response, and no back up being assigned for my single point of contact. I resubmitted my request, now based on information from XXXX, indicating I wanted to cancel the short sale process review and be reviewed for a settlement. I also was required to resubmit all of the same financial stipulations I had sent on XXXX/XXXX/15. On XXXX/XXXX/15, XXXX XXXX called me and indicated I was now being reviewed for a settlement and this process would take up to 90 days. I indicated to XXXX XXXX and her supervisor, XXXX XXXX, that XXXX XXXX XXXX, our first position mortgage, has approved us for the Deed in Lieu, and will decline the process within 14 days if we can not obtain the settlement letter from US Bank. As of XXXX/XXXX/15, XXXX XXXX is non-responsive and the mortgage assistance customer service contacts have indicated they can not escalate the file based on our complaint around misinformation from US Bank ( resulting in a delay ), and have asked us to submit another complaint to US Bank 's internal department | ||||||
| 01/18/2024 | Yes |
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| I tried to set of a forbearance plan in XX/XX/XXXX following a hardship and was granted a 6 month reduced payment period. At the end of XXXX I called to confirm they showed my payments applied and that I had done what I needed to do far since they reported my account behind while I was on the plan. They confirmed the received my payments etc and even though I made my XXXX payment early in XXXX because of holiday they said I would still need to make a payment during the month of XXXX too I told them I understood and would do that. Then the first week of XXXX I started receiving multiple daily calls telling me I needed to pay all the past due payments & they kept telling me I wasnt of a forbearance plan. I called the department handling and was told I was removed from the plan at my request which wasnt true I asked for a supervisor and was asked repeatedly to make a payment to bring account current I told them they had me on a plan I have paperwork & they kept saying Im not on a plan and could be in danger of foreclosure if I didnt pay. I yelled at them they were trying to deliberately foreclose by canceling my forbearance so they can make money on my property. I called back and spoke to someone else who listened to me and confirmed the plan was removed but she had this happen before due to a system glitch so she was going to listen to call where removed. She came back on and confirm I didnt ask to be removed and was escalating this issue. She called me back the next day ( XX/XX/XXXX ) and left me a message that they were correcting mistake but could take 60 days to fix. She said she noted my account so I wouldnt be accessed fees or get calls. Since then Ive gotten calls daily from them as early as XXXX asking me to pay and when I tell them theres notes about the mistake they suddenly see them and put more notes supposedly. This has been going on for a week with these calls and harassment. In the mail today I received a packet stating I requested assistance in a consumer assisted foreclosure which I DID NOT DO! Since they put the notes I. My file they have mailed me a letter packet daily with a pamphlet about avoiding foreclosure. How can all these notes be in my file yet they are still threatening foreclosure daily and calling me and harassing me like I didnt try to fix this already. I just switched my mortgage in XX/XX/XXXX to US Bank and now they are attempting to force a foreclosure so they can use my home to make a profit because I owe far less than its valued at. I didnt ask for assistance when I had XXXX and used my savings but then I had multiple things which needed replacement and then a car accident and used all the savings I had left before I asked for assistance under the impression that I could use the covid protocols in place at the time for a 3 month deferred payment to end of loan so my credit would be intact but instead my credit is ruined and now they are harassing me and trying to fast track a foreclosure. If I had any idea they would do this I never would have asked for assistance I wouldve stopped paying credit cards and just tanked my credit that way. I cant have them foreclose and leave me homeless over their mistake. This is beyond predatory and as a result all my other creditors are pulling my credit and compiling the problem. I asked for a 3 month deferred payment to the end of loan I was offered 6 month reduced payments which they cancelled after 60 days then sent me a letter to assist in foreclosure. I was NOT behind in payments prior to this plan and now I wish I could undue the damage they caused. Ive heard horror stories like this but thought there had to be more to it but apparently I was wrong. I never missed payments or paid anything late in my 47 years and in 2 months they destroyed my credit & have caused unnecessary stress & hardship on top of the hardship I already was dealing with. The whole point in the hardship program is to prevent this. | ||||||
| 05/08/2023 | Yes |
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| US Bank will randomly put money in my account and I will look to see where the money came from in my transactions and there is no indication of where the money came from. Its randomly put into my account its happened now two times that I have caught and screen shot the sum of money in my account. Ive transferred the money to my savings account and the very next morning my account is negative. Now prior to the money anonymously being put into my account my account is always positive. Meaning anything I have spent from my balance is accounted for and already taken from my existing balance. I am the type of person that, budgets so I watch my spending and my account. I use my savings to balance all funds, when I am at the store for example, after I know what my balance is owed at the store I will transfer money from my saving account to my checking account to the nearest dollar before running my debit card. So all balances I have have been accounted for and covered. So these incidents are weird to me because when this random money shows up in my account its always in the amount of around $ 160+ dollars. When I transfer the misc money to my savings account the next day my account balance is negative and they access a fee to me. They charge me an over draft fee, my account never shows the misc money going into my account and all the sudden the purchases that were debited from my account previously come back and they indicate that the reason my account is at a negative balance is due to previous purchases that already cleared my account. They did the same thing to my business account the previous month. I went to the bank to speak to a manager, he was really rude to me and made me feel like I was crazy and was making things up. I even showed him screen shots. He wanted to convince me that it was due to money I spent that I didnt have in my account that was accounted for and already taken from my balance previously. I knew I could not transfer money out of my account if it was so called already negative and what he was saying made no sense it was not true. I waited days and called several times, with multiple complaints before they would refund the fees to me. They also made me feel like I was lucky they refunded me when it was there error. They had no record of the misc funds going into my account and told me my account was negative. I asked how my account could be negative when I transferred the money out. They didnt answer my question. Now it happened again last night and I took pictures of the event so I could make another complaint to the bank and now this time I am making my complaint to you. They have no record of this misc money but now are giving me a negative balance for this misc money and it will soon turn into an over draft fee for the money they put into my account and took back out. Now purchases that were covered from Monday are back in my account stating I didnt have enough funds to cover them and thats not correct. That money came out the second I ran my card on Monday at the grocery store. I have the receipts for my transactions and I have the screen shot. They are getting away with charging over draft charges for charges they create. This is a huge red flag and if they are doing this to me they are doing it to others as well & making one heck of a profit from the consumer. I want this investigated immediately. I know by the end of today they will charge me over draft fees for this misc money they put randomly into my account and then took it back out to create a fee. Last month they blamed it on my truck payment when the money was already in my account and when they put random money into my business account my account was again positive my truck payment had already cleared and it went from positive to negative really fast. I have provided two different scenarios for you with screen shots of both incidents ; one from yesterday and one from XX/XX/2023 -Please help me | ||||||
| 07/26/2016 | Yes |
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| Yesterday I learned via a letter from the Branch Office in XXXX, Montana that my account was severely overdrawn. In speaking with the Branch Manager ( XXXX XXXX he said that the problem began when XXXX XXXX XXXX XXXX XXXX XXXX submitted an electronic debit in the amount of {$30.00} which took my account into the negative. The store cited the reason for the " Debit '' as being for " RETURNED ITEM ''. Yet, they failed to provide any other information pertaining to the original " item '' which was allegedly " Returned ''. There was no original transaction number, no date the original transactions was returned, no document number, and above all no amount of the original transaction given. XXXX, the Branch Manager then confirmed that he found no record of any items being submitted by them or anyone else after all checks were paid on XXXX XXXX, 2016. Yet, XXXX, the Branch Manager was insistent that " it was Monday and that he did n't have to time to go over my account with me as he had customers who needed to open accounts. He also repeatedly said that it was n't the banks responsibility to investigate any " disputes '' on my account. He absolutely refused to assist me ; and was quite obnoxious, overbearing, and extremely rude. He repeatedly accused me of " NOT LISTENING '' when I had informed him that I was legitimately hard of hearing. He then informed me that he was going to " Force Close '' my account ; but not until my next scheduled Social Security XXXX XXXX Check posted to the account ; and all monies owed the bank would be taken out before returning any monies left. He further indicated that he " did n't anticipate that I would have much left seeing how every five ( 5 ) days he was assessing another minimum {$25.00} fee for being overdrawn. He knew I had no checks returned to either XXXX XXXX XXXX XXXX XXXX XXXX, or anyone else for that matter. I also informed him of a recent situation involving severe Identity Theft wherein a man who worked for the moving company I had hired broke into my apartment later that same evening, stole pertinent personal data, and legal documents. Since that time he has obtained benefits by fraudulently claiming I am his wife. Still, XXXX the Branch Manager was adamant that it was n't the Bank 's responsibility to " keep track of my records! '' If not, whose is it? This man ( XXXX XXXX, the Branch Manager is stealing from a legitimate XXXXSENIOR citizen of the United States of America ; and has absolutely no intention of returning any questionable " Debits '' and/or " Charges '' to my account for his repeatedly stated reason of " it 's not the bank 's responsibility. Oh, yes it is! I will be left homeless as a result of not being able to pay my rent yet again due to the illegal corporate policy of numerous banking institutions. I have been unable to locate any type of contact information on US Bank other than the local branch which has chosen to keep charging me overdraft fees on an electronic debit which is a the very least questionable. Please be advised that I have also filed a formal complaint with numerous other federal agencies concerning XXXX the Branch Manager of US Bank refusal to investigate ; and continue charging me fees for a debit which was clearly questionable to begin with. He even went so far as to try and explain that he has no control over retailer 's company policy ; and that I would have to take it up with them. If he was unable to locate any legitimate documents having been returned ; and they are just taking money at will without explaining the reason for doing so ; then is n't the banks responsibility to investigate ; and return my money. Lastly, XXXX the Branch Manager stated they do n't send paper statements anymore. I have no documentation to attach. He refuses to give me anything which supports my claims of wrongfully charging me for an item that was never presented. What can I do. I am unable to go above him. Help Me! | ||||||
| 08/12/2022 | Yes |
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| This is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request. Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) XXXX Requests for information. The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX Department XXXX XXXX XXXX XXXX, KY XXXX cc : XXXX Department of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by US Bank XXXX on US Bank correspondence sent to XXXX XXXX, is an account number that is unknown to XXXX XXXX ( see attached US Bank Correspondence ) pages 3 & 6. The account number referenced above by US Bank correspondence sent to XXXX XXXX was also presented to XXXX XXXX and another third party on XX/XX/XXXX and XX/XX/XXXX ( see attached US Bank Correspondence pages 3 & 6 ). The account number referenced above by US Bank correspondence, was presented to XXXX XXXX, another third party, and was recorded in a public record system on XX/XX/XXXX, specifically referencing a second mortgage that is also unknown to XXXX XXXX ( see attached US Bank document provided to both parties and date stamped as being recorded into a public record recording system on XX/XX/XXXX at XXXX ) pages 3,4 & 5. XXXX XXXX has no knowledge of this account number : no original mortgage documents in her possession ( as US Bank stated in their XX/XX/XXXX that they have in their possession page 6 ) that were authenticated by XXXX XXXX. no knowledge of any legal association to, responsibility or accountability for this account number and any mortgage debt or second mortgage debt as specifically referenced on the XX/XX/XXXX US Bank Correspondence page 3 ). XXXX XXXX and other third parties have continuously received conflicting material information from US Bank and its agents, associating her to this account number, a mortgage, and a ( second ) mortgage in some type of way/shape/form creating a dispute requiring legal intervention. This material correspondence has brought about confusion that requires clarification. Therefore, XXXX XXXX is sending you this qualified written request pursuant to 12 U.S.C. 2605 ( e ). She requests ALL original material documentation with her signature purporting to be an execution or attestation of this account number, with a mortgage ( and/or second mortgage ) with US Bank National Association ( see TILA Sample Forms pages 10, 11, 12 ). XXXX XXXX looks forward to your response within 20 days from the date of this letter. Unless the specific documentation requested is provided to XXXX XXXX, any and all further written, USPS sent, and/or verbal communication to Ms XXXX or any other party/entity regarding Ms.Jackson AND this account number/ mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Very truly yours, XXXX XXXX XXXX | ||||||
| 04/20/2017 | Yes |
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| I have a home mortgage loan from US Ban k ( XXXX XXXX ) that I have repeatedly attempted to modify when I was injured in a car accident and could not keep up with the mortgage payment. The original loan was a variable loan that I refinanced in XXXX through XXXX XXXX , a savings and loan bank that went bust during the housing crisis. I reside in California, and CA has a HARP-funded program for homeowners whose mortgage loans are either underwater or in arrears. I have applied to this program, Keep Your Home California ( KYHC ), and three t imes I was approved by the program and a letter was sent to the US Bank asking for their consent fo r KYHC to help pay for the arrears and/or help modify the existing mortgage through HARP with a low fixed thirty yea r term that was affordable for my vastly reduced income due to my injuries from the accident. For reasons unknown to me, each time the US Bank completely ignored KYHC 's letter asking for acknowledgment/consent for their help, despite my repeated calls and emails to their customer service representatives assigned to my c ase ( call ed Relationship Manager ). My numerous calls begging for their response to KYHC sh ould be in their audio records ( each call was always noted that it was being recorded ) and my emails to the various " managers '' and other random customer service representatives should be all there as well to attest my desperate efforts in making US Bank to respond to and cooperate with KYHC so m y loan 's arrearage would be paid off and it would be modified with a better interest rate and at the right loan amount. In XXXX , my house was worth XXXX in the market, while my mortgage was for XXXX . The principal reduction program from KYHC w ould have adjusted this market price reality to my mortgage and would have given me a modified loan at the lower amount at the prevailing interest rate at the time, which I believe was something like below 2 percent. But US Bank simply disappeared each time when KYHC sent them the conditional acceptance lett er. The case-specifically assigned " relationship managers '' stopped responding to my emails or phone calls and inevitably I would miss the KYHC deadlines for the bank response to resolve my mortgage problems. The random US Bank peo ple I was able to connect to during these frantic times always helped me by relaying my messages to the " relationship manager '' and so on, but they were not able to send the response letter to KYHC because they were not the ones handling my case. One ca n understand if this happened once, perhaps it was the " manager '' th at messed up and did not do her job. But this happened not once, not twice, but thrice. In the attached emails I show that the emails KYHC sent me after waiting in vain fo r US Bank to respond to their offers. They even extended the standard response time of to 90 days after I called and begged for more time when I discovered that once again the bank was ignoring the offer so I could call and write more to somehow get them to respond to KYHC. T hat did not work either. Finally th e US Bank offered me a HARP modification package on their own -- forcing me to sign on to a new loan with all the arrears added on, at an interest rate way higher than what would have been, for 40 years. I believe that there has been a corporate-level policy of denying beneficial governmental programs for mortgagees, although to me as a private citizen it is counter-intuitive. I do not know the corporate mathematics that goes into this kind of decision-making, but there clearly has been a consistent pattern of behavior from the US Bank " relationship managers. '' They disappear after receiving the KYHC offers. I have wrote two letters to the bank 's own c ustomer service people about this but all I got was letters acknowledging the delayed time but that they could n't do anything. | ||||||
| 07/09/2015 | Yes |
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| Goal : To reduce the loan-to-current-value ( LTCV ) by improving home and paying down mortgage to below 80 % LTCV before 2 years to remove PMI from our mortgage that originated XXXX XXXX, XXXX. Between two and five years, the LTCV must be below 75 % to remove PMI. Complaint : U.S. Bank staff informed us by written communication in XXXX XXXX, that was also confirmed in XXXX XXXX by verbal communication ( speaking with XXXX at U.S. Bank XXXX that the request to remove PMI by having house reappraised has to be performed before the two year window, and after the appraisal we have four months to reduce the LTCV below 80 % to remove PMI as long as the request to reappraise was performed before the two year anniversary of mortgage ( XXXX XXXX, XXXX XXXX. U.S. Bank now claims that the loan had to be paid down below 80 % LTCV before XXXX XXXX, XXXX and that the staff was trained improperly when XXXX advised us that only the request needed to be performed before the XXXX XXXX, XXXX two year anniversary. U.S. Bank is refusing to remove our PMI because they claim we are past the two-year loan origination date and 75 % LTCV will be required to remove the PMI. The loan balance is currently 79.7 % LTCV ( paid {$7000.00} on principal XXXX XXXX ), after U.S Bank informed us on XXXX XXXX that the PMI will not be removed because the house appraisal did not increase the loan value sufficiently to reduce the LTCV below 80 %, and we now have to reduce the LTCV to below 75 %. We had the funds allocated to pay down the loan, once the reappraisal value was calculated. Note that the loan had to be seasoned to remove PMI, and we had to wait until almost two years of payments to prove good payment history. Timeline : XXXX XXXX - Request information on PMI removal. Letter from U.S. Bank reads " A copy of the appraisal will be provided to you with our determination concerning the PMI removal. In the event the value is not sufficient to meet the LTCV required, you will have the option to reduce the XXXX within 4 months of the date of the appraisal to meet the required LTVC ratio. " XXXX XXXX - Phoned XXXX at U.S. Bank PMI department to clarify statement quoted above, XXXX tells me that the request to reappraise the house needs to be filed before the two year loan anniversary, not the actual balance paid below 80 % LTCV before the two-year anniversary - we have four months to pay it below 80 %. XXXX XXXX Written request for reappraisal and pay {$440.00} reappraisal fee. XXXX XXXX - Receive letter stating the U.S. Bank has started process. Letter states " Once the inspection is completed, the assessment report will be provided to us within approximately XXXX business days '' - The assessment report was dated XXXX - XXXX business days after inspection. XXXX XXXX - Home inspection occursXX/XX/XXXX XXXX - Two year loan anniversaryXX/XX/XXXX XXXX - No response from U.S. Bank, I call them and they inform me the house reappraisal was not sufficient to reduce the LTCV below 80 %, since loan is now past two years - must reach 75 % LTCV. XXXX informs me that his staff was not trained correctly and his staff has been retrained. Request to speak with XXXX XXXX XXXX. XXXX has returned two calls that I missed, I have left messages on about 15 days. XXXX will not respond to email and will not arrange a time to call. XXXX XXXX - {$7000.00} payment to reduce LTCV to 79.7 %. We had been waiting on U.S. Bank to contact us to determine how much money they needed to be paid to reduce the LTCV to below 80 % once the reappraisal was performed. XXXX XXXX - XXXX calls me back to offer refund of {$440.00} appraisal fee, I declined the refund. Our major complaint is PMI policy miscommunication in both written and verbal communication caused our PMI not to be removed. U.S. Bank staff was not trained properly and conveyed us incorrect information about critical timelines. This will cost us an additional {$3000.00} - XXXX. | ||||||
| 05/31/2022 | Yes |
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| My application for the State Farm Premier Cash Rewards Card through USBank was denied. My suspicions reached a level of concern during my interaction with one of the supervisors during my call in today. My card was denied for Debt to Income ratio being high when I originally. I was advise that my student loans were the main reason for this and there were no other options due to federal law. The Underwriter advised that the federal law prevents them from giving me the card. I conducted research and could not find a federal law confirming that information. I called back just to verify and the XXXX I spoke to that time advised that they were not familiar with that law, but did advise that my student loans are the reason for the denial as it pertain to the impact it has on my debt to income ratio. Last week, I came upon so information that my credit report is showing that my student loan payments were close to $ XXXX. I advised that is not correct and that I am on a income based repayment plan that will put my payments at around {$400.00}. This changed the outlook of my credit. Really interested in obtaining the card, I of course called back this past Friday to advise of my learnings and to inquire of if this mishap impacted the decision to deny my application. I was advised that my corrected payment would be sent up to a supervisor to review and I would receive a call regarding the matter. Today, I placed a call back to USBank to follow up and the first representative advised me that a supervisor has reviewed my account earlier today and confirmed the denial for 1 ) Debt to income ratio and 2 ) high credit bureau utilization based off of the notes on my account. I advised the XXXX. this is starting to feel a little suspicious, seems like reasons are now being added for the denial and the XXXX could not explain what high credit bureau utilization meant. I asked for a supervisor just to review the matter and seek clarity. I was connected with " XXXX '' who advised that the denial for debt to income ratio being high and for high credit bureau utilization. I inquired about what my student loan payments are showing to be. XXXX advised $ XXXX. I asked if that did not seem suspicious of off to her. XXXX advised that she has seen student loan payments at different amounts so no it did not. I then asked about proof showing that those are not my payments. She advised about loans being on the pause. I cut her off and advised that I am not speaking to that, I was speaking to the fact that my payments are only around {$400.00} when they do start back. XXXX advised that USBank ONLY looks at what the credit report states the payments are and in no way shape or form take any outside information into consideration. I then inquired why the high credit bureau reasoning was not cited as a reason during the original review. XXXX then advised that it is not an official review, it is just something she caught when she pulled up my account. I then asked, " So that reasoning ( high credit bureau utilization ) is not noted on my account? XXXX advised no it was not. I then asked XXXX, then why did the previous XXXX read that to me? XXXX indicated that she thought I said she was the first person to tell me that. I advised XXXX that today was my first day hearing that reasoning, but the XXXXXXXX before her read that to me from the supervisor 's review notes on the file. XXXX had no explanation for this. I advised XXXX I would be filling this complaint because I do not feel comfortable with the USBank 's antics up to this point. I do not want to claim racism here, because I am not positive that is the situation, but I can not understand the treatment that I received with this company. I just need a 3rd party to review and ensure that I am not being railroaded or discriminated against. I've been denied for credit items before, but this one just does not seem right. I hope you all can help. | ||||||
| 05/18/2017 | Yes |
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| Twice I have filed this complaint and received a letter fro m US Ba nk in response. I appreciate that my issue was actually reviewed by a person, but the invitation to contact them if I have any additional questions rings hollow for twice they 've extended this offer without including an email address or mailing address. I would love to take them up on their invitation, but the matter is well beyond anything that can be addressed over the phone. I thin k I may have attempted to address too many issues at once in my initial complaint because some of them were n't ever addressed. It seems they 're unaware of the fact that I was forced to close my account on XXXX XXXX , XXXX because they would n't stop giving my money away. In the initial response to my complaint filed through your office they suggested that it 's up to me to deal with any company directly to resolve automatic payment problems. That is outrageous to suggest that my financial institution is not responsible for governing who my money is distributed to according to my wishes. I was stunned that she suggested this. In my particular case I changed debit cards. Every company with whom I had an automatic payment established immediately notified me by email or the next time I attempted to login that they required new payment information as the card on file was no longer authorizing payments. XXXX XXXX continued to receive payment every month. I did not setup any payment directly from my checking account and they should not have been paid once the debit card stopped being valid. I tried again and again to resolve this, eventually I closed the account and reopened another account the same day which I was assured would resolve the matter ( At this point in time the charge was from another merchant & was n't causing overdrafts ), and they still paid the money out of my account. At one point they r efunded me 3 months worth of charges and paid out an additional month in the same statement. They charged me a {$20.00} fee for changing accounts. That is outrageous and unprofessional given the circumstances and I want it refunded. The overdraft charges that were the result of paying unauthorized charges to XXXX XXXX I want refunded! I have taken out most of my money, but left the account open to avoid them using that as an excuse not to refund those fees. They paid unauthorized payments to XXXX XXXX which caused me to become overdrawn and they charged me {$36.00} a pop for them. If XXXX XXXX or XXXX XXXX is seriously speaking on behalf o f US Ba nk that my only course of action is to seek out whichever company is currently sucking funds out of my account each month without my authorization and beg them to stop I would be surprised. If my bank refuses to stop giving a company my money when I wish why should the company comply? It would seem to be in the best financial interest of any company not to comply so long as the customer 's bank is going to keep paying them every month. S o US Bank has no control over their computers nor the ability to stop automatic payments from being made once they 're established? Did they opt out of that portion of software? I find it far more likely that they liked the {$36.00} every month they extorted / stole from me by refusing to cancel those payments when I changed debit cards, repeatedly, or requested, repeatedly. Those fees are into the hundreds of dollars and any bank who takes the time to write me a letter informing me that they have no control over who gets my money once it 's in the computer and my only option is to try to convince the company receiving funds is headed for a lawsuit. I want the {$20.00} fee for opening a new account. I want a mailing address and / or email address from XXXX XXXX XXXX at which I can correspond further. Sincerely, XXXX XXXX XXXX XXXX I 've got statements dating back to XXXX ) | ||||||
| 07/20/2015 | Yes |
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| I am seeking help regarding my options on how to proceed with a mortgage modification from US Bank. I have contacted XXXX real-estate attorneys, and XXXX indicated the course of action that US Bank has taken is likely fraudulent. Neither had experience with this matter and recommended I contact HUD for advice on how to move forward. They also informed me that if I retained a private attorney, it would likely cost thousands of dollars to fight the team of US Bank attorneys. I teach full-time, and I am a single mother of XXXX kids. I do not have any plans to move for at least 5 years, but I also do n't have the resources for a lengthy legal battle. I feel as though I have done everything US Bank has asked me to do, and that they have acted in an unlawful manner. After a loss of income at in XX/XX/XXXX, I qualified for a HAMP loan modification. I successfully completed the three month trial period, and then signed, notarized, and returned the final Loss Mitigation paperwork to US Bank by the required date of XXXX XXXX, XXXX. I began paying the new monthly mortgage amount on XXXX XXXX, XXXX, and I received a phone call from my Relationship Manager at US Bank that the paperwork was received. I asked an attorney to look into this matter, and he told me that the original set of documents from XXXX XXXX was the only one that was recorded. In XXXX XXXX, I was preparing to travel to present at a conference when I received another packet from US Bank. When I glanced at it, it looked exactly like the paperwork I signed in XXXX. It even had the XXXX XXXX date at the top. I assumed it was a copy of the paperwork I had already signed, so I did n't think much of it, and I went to my conference. I continued paying my monthly mortgage, and in XXXX XXXX, I started receiving phone calls that I was behind on my mortgage and at risk of going into foreclosure. Needless to say, I was shocked! The US Bank representative informed me that the last XXXX cashier 's checks had been returned because they were not the in the correct amount due! I was able to find XXXX of the returned cashier 's checks, but actually had to report the other XXXX as lost. Thankfully, I kept the cashier 's check receipts and was able to retrieve those funds from my bank several months later. The US Bank Relationship Manager informed me that I would have to reapply for HAMP, which I did. The application process took several months. I qualified again, and successfully completed my XXXX three month trial period in XXXX XXXX. I received a new packet of loan modification documents and noticed that the Subordinate Note was significantly higher than the loan documents I had signed in XX/XX/XXXX ( from {$12000.00} to {$52000.00}! ). A friend of mine who practices law told me that the banks have been taking advantage of consumers by getting them in situations where they have no options but to sign documents that tag on large subordinate notes to HAMP loan modifications. He said that the banks are violating many consumer protection laws, paperwork often disappears, many records are " lost, '' and they convince borrower 's to sign mortgage modifications that are not in the consumer 's best interest while claiming to be helping consumers. He told me that these practices are illegal, but that the banks are getting away with them by creating situations where borrowers have no other choices and/or do not have the means to seek legal counsel. I sent an email to the US Bank Relationship Manager on XXXX XXXX, XXXX. I also called her and expressed my concerns. At one point, I said, " This does not seem like a very smart financial move. Would you sign these papers? Would you recommend a loved one sign them? '' And she said, " No. I would not. '' I have since received a fourth set of loan modification documents. The latest amount of the subordinate loan puts me " under water '' by $ XXXX-XXXX. Thank you very much for your help. | ||||||
| 09/05/2023 | Yes |
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| During Covid 19 Pandemic my job was impacted as I am a XXXX XXXX and was in the process of obtaining approval to sit for my XXXX XXXX XXXX XXXX XXXX right at the beginning of the pandemic which the pandemic caused delays with the XXXX XXXX XXXX XXXX XXXX in processing applications and then once approved to sit for the exam the test center was booked up six months in advance due to Social Distancing Guidelines, and one week prior to my scheduled exam, the test center had to cancel my exam due to more social distancing changes causing me to be timed out of my position and having to take a demotion with a 50 % pay reduction. This caused a financial hardship in which we were unable to make our mortgage payments as my husband XXXX XXXX was XXXX and receiving his social security retirement. US Bank offered us a forbearance for 12 months and we were told that the forbearance amount of approximately {$14000.00} would be added to the back of the loan and our loan would be extended to a longer duration. We were never told there would be a balloon payment and were told that this would save our home from going into foreclosure. We were told that since we agreed to this that the bank would be sending us paperwork to sign before a Notary. We signed this document not knowing that there was a {$47000.00} lien placed on our home. My husband passed away XX/XX/XXXX from XXXX XXXX and I had to sell our home and only then did I find out about this lien. I was told that the loan number to this lien was the same number as my original loan and that there was a second mortgage on my house. We never borrowed against our home and never received any money from a loan. My seasoned relocators and XXXX XXXX said they never seen anything like this and did not know what this was. I had nothing on my credit report showing I owed HUD over {$47000.00} nor did I receive any documentation from HUD or the bank explaining this and how they calculated this amount. All I was told was I agreed to pay HUD back {$47000.00}. Once my home sold and I moved in with family we learned that HUD had granted us a Partial Claim under the CARES ACT and had frauded us out of over {$47000.00}. I learned that those who took out Covid 19 Mortgage Forbearances now have balloon payments they did not know they and were owed to HUD upon paying off the original loan, refinancing the original loan, or selling their home. The CARES ACT was implemented by the XXXX XXXX to help people through a difficult situation during a global pandemic. How is it legal that HUD was able to inflate the forbearance amount due to an astronomical amount of money and take advantage of desperate people who were uninformed about the balloon payment. If we knew that we would have to pay back an astronomical amount of money for such a small forbearance we would never have agreed to this. The government preyed on so many unsuspecting vulnerable people facing a financial headship during a global health crisis. Many of those who participated in the Covid Mortgage Forbearance were XXXX, XXXX, and XXXX citizens and many of them were heavy in grief as they lost family members to Covid and some even losing multiple family members at once due to the virus. The US Government and the banks took advantage of people during a crisis and financial hardship. How is this legal? How do I get my money back? Something needs to be done about this as this is just lime the housing crisis of XXXX and doesnt seem like this should be legal. Also, we reticence our home last Summer in XXXX and we were not informed of this {$47000.00} and from what I read on the internet recently when my home was refinanced US Bank was supposed to pay off the {$47000.00} and we should have been made aware of this at the time of refinancing. US Bank Loan pay off was {$150000.00} at the time of close of escrow. US Bank Loan XXXX XXXX FHA # XXXX for property at XXXX XXXX XXXX XXXX XXXX California XXXX. | ||||||
| 01/20/2021 | Yes |
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| Back in XXXX I was involved in a XXXX XXXX incident that resulted in my phone being stolen to prevent me from calling the police, after I was able to call the police and handle the situation with them I called all of my banks 1800 numbers from my sisters phone to make sure he hadnt taken any money out of my account due to him having my phone which gives him the capability to get into my accounts. After confirming no money had been taken out I tried to log onto my reliacard account but it wouldnt allow me to log in without sending a verification code to the phone that was stolen and I was on hold for almost an hour trying to contact reliacard cardholder services so I had no way of changing my log in for the time being, I checked my account again the next day and on the automated phone line it stated no money had been taken out still, about a week later i received my replacement phone from the insurance company and was able to log back into my reliacard account upon doing so I found out {$4000.00} had been transferred from my account into a unknown account in the days prior. I called cardholder services immediately to report it, after making my claim I was told to wait for a letter in the mail and if I were to respond to that letter by faxing or mailing a written statement of what happened that i would be eligible for a provisional credit as long as I faxed the necessary documents within their time frame. About 5 days later I received the letter and wrote out a incident statement and faxed it to the number given to me. A week after that I received a letter saying my dispute was denied and my case was closed. I called cardholder service again, the lady I spoke to was extremely helpful and after reviewing my information she said they had not received any of my faxes so she apologized on behalf of the company for the misunderstanding and reopened my case and had me resend them the documents. At this point I was getting tired of having to continuously explain my situation every time I called in and felt like I was having to tell more and more people about my XXXX XXXX situation that occurred and it was a sensitive subject I felt uncomfortable talking about. So after that I decided I was going to wait for them to contact me instead of me being the one to call for an update, I heard nothing back from anyone for over a month. So I called again and the lady I spoke with said she couldnt access my dispute and I needed to get transferred to their Tier 2 support, once transferred that lady said my dispute had just been reopened for review a few days prior to me calling so I needed to give it a week or so before I would have an update, another month goes by and I hear absolutely nothing, I call again, this time the lady says it seems like its still under review Im not sure where they are at in the process exactly though I asked her what the legal time frame is that banks have to resolve issues because my claim was already 3 almost 4 months old with no resolution or even communication on their end for that matter. She said she had no idea and that if I can give her a second she will put me on hold and find out, she gets back on the line and says it appears that legally we have 30 days to respond to disputes so Im not sure why this is still being reviewed because yeah I see here you made this claim back in XXXX so I ask when I should check back in and she says to give a a week or so. I wait a week or so and call in the lady says she cant review my dispute puts me on hold to transfer me to tier 2 comes back on the line and says tier 2 cant even help me now and that I need to speak with a supervisor but that it will take probably over an hour before Im able to get through to one and she asks if Id like to be transferred. I say yes and then I hung up on not transferred. I last made contact XX/XX/20 and have not been contacted since. Not sure what else I can do its been almost 6 months. | ||||||
| 12/17/2015 | Yes |
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| I have several issues with US Bank Mortgage. In XX/XX/XXXX I refinanced my home with a XXXX mortgage of {$100000.00} on a fixed rate 15 yr. balloon mortgage and a XXXX mortgage that was XXXX % of the value of my home. The amount of that mortgage was {$25000.00}. I was injured in XX/XX/XXXX on the job and called US Bank for help. I was having trouble getting paying my mortgage paid. I was told that I did n't have a mortgage it was a signature loan and they could n't help me. I kept everything current and in XX/XX/XXXX I paid off the XXXX mortgage with a buyout package from my employer. I was off work until XX/XX/XXXX and at different times I called the mortgage company to get help. I was told the same thing. When I asked about refinancing they told me I owed more on the house than it was worth and US Bank Mortgage LTV is XXXX-XXXX % of house value. Now this is the same company that approved a loan for XXXX % of the value of my home in XX/XX/XXXX. My income has been greatly reduced and it is a hardship for me to try to make the {$700.00} payment each month. Approximately XX/XX/XXXX I received a letter that my loan was moved to the mortgage department. I called again asking for help but was told I still really did n't have a mortgage they just did me a favor of transferring my loan. Now XX/XX/XXXX I was laid off from my job. I called US Mortgage for help and they sent me paperwork to apply for a loan modification. I followed their directions on the documents needed and sent them. I have received a letter in mid XX/XX/XXXX stating that if all documents are there I will get a written offer for a loan modification within 30 days. I keep getting calls at the 30 day mark stating they have n't received certain documents. I have faxed 4-5 times the same document. Also I have a loan specialists that keeps saying she will call me to verify she received the documents but I do n't hear from her until she says she needs a different document faxed to her. She promises this should be it and I have a great chance of getting the loan modification. However, this past week I had to call her several times and leave her a voice mail to let her know I am very upset with the delays and that my XX/XX/XXXX payment was being held in a " Suspense '' account and no monies were applied to my principal or interest. She called and told me that they did decided to accept my XX/XX/XXXX payment and that " IF '' I am not denied my loan modification I will here something in 30 days. I have sent a demand letter requesting all of my mortgage origination papers which US Bank Mortgage received XXXX/XXXX/XXXX. I understand it is my right to know who exactly holds my mortgage and they have 20 business days to respond to my demand according to RESPA. I was told not to get behind on my payments during the loan modification process so they are more likely to agree to one. I have been borrowing money from my family to keep my mortgage current. I can no longer do that and I will not be able to pay XX/XX/XXXX 's payment. I feel they want me to default on the loan. Also I recently had to file bankruptcy which the house was reaffirmed and discharged on XXXX/XXXX/XXXX. However, US Bank keeps sending notices to my attorney. The attorney 's office has had to fax 4 times my discharge papers because they do n't get them. The balance on my loan right now is {$83000.00} with a balloon payment of over {$77000.00} due in XX/XX/XXXX. The current value of my home is about {$55000.00}. I have been working on this modification for over 4 months now and have nothing resolved. I feel that I am a victim of predatory lending. US Bank is not willing to help at all. To date I have paid over {$110000.00} on the XXXX mortgage and over {$27000.00} for the XXXX. I am very proactive when it comes to paying my mortgage and I can not let time go by and late fees stack up. I will never be able to pay and be current if they do n't quit stalling. | ||||||
| 09/09/2018 | Yes |
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| U.S. Bank has not acted in good faith with regards to my repeated attempts to re-modify my mortgage. Additionally, U.S. Bank has continually engaged in what can only amount to harassment by repeatedly calling and sending notices claiming that my mortgage was in " serious account default '' despite U.S. Bank 's full knowledge of my participation in their unemployment forbearance program. Participation in said program should have temporarily ceased all collection activity on the account ; however, this was not the case. U.S. Bank first sent notice of the alleged breach demanding payment of {$5900.00} and {$280.00} for late charges. U.S. Bank next sent notice of " Serious Account Default, '' which then alleged that my account was delinquent with a total amount due of {$6200.00}. U.S. Bank then sent a mortgage statement and delinquency notice demanding an astonishing {$32000.00}, despite full knowledge that I had submitted timely payment in the amount required by my participation in the unemployment forbearance plan. I have attempted no fewer than three times to apply for loss mitigation ; however, U.S. Bank has acted in bad faith and intentionally frustrated each application. The first loan modification application was completed and submitted in XX/XX/2018 via XXXX U.S. Bank responded via email on XX/XX/2018, a full two months after the application was submitted, requesting documentation. I responded to the emailed request for documentation by providing the requested documents. U.S. Bank acknowledged receiving the documents requested in the XX/XX/2018. I never received a response from U.S. Bank regarding the XX/XX/2018, application for loan re-modification and instead received a summons for a " Complaint for Judicial Foreclosure, '' which pled two causes of action : ( 1 ) Judicial Foreclosure ; and ( 2 ) request for Judicial Sale. A timely answer to the complaint was filed with the Superior Court of the District of Columbia. U.S. Banks plea for judicial foreclosure purported to rely on D.C. Code 42-816 as statutory authority for U.S. Bank 's judicial foreclosure actions ; however, U.S. Bank 's reliance on this code section appears to be a strategic attempt to avoid triggering foreclosure mediation, the requirements of which are set forth at D.C. Code 42-815 ( DISB Mediation ), which is required prior to a judicial foreclosure and a judicial sale. U.S. Bank is aware that the District of Columbia has three methods by which U.S. Bank may seek foreclosure, which are ( a ) power of sale, subject to the requirements of DISB mediation, ( b ) true judicial foreclosure ( which is disfavored because it leads to inequitable results ), and ( c ) judicial sale, which is not a claim in and of itself, but instead is a remedy the court can use to avoid ordering an inequitable, true judicial foreclosure. On XX/XX/2018, upon receiving the summons and the complaint, I telephoned U.S. Bank and was told that my XX/XX/2018 application for loan modification was denied due to my failure to produce requested documentation, despite the fact that I received emailed confirmation from U.S. Bank confirming receipt of said documents. I promptly attempted to submit a new loan modification application on XX/XX/2018 on XXXX XXXX, but was unable to because U.S. Bank, despite having sent a complaint for judicial foreclosure, had not moved on the XX/XX/2018 application for loan modification. As U.S. Bank had neither approved nor denied my loan modification application ; I was unable to submit another application. I then called U.S. Bank and was instructed to cancel the XX/XX/2018application and begin a new one, which I promptly submitted. A third loan modification application submitted in XX/XX/2018was denied ; however, I filed a timely appeal. All exhibits and supporting documents were attached to the timely answer to the complaint that was filed with the Superior Court of the District of Columbia. | ||||||
| 01/27/2016 | Yes |
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| US Bank scheduled a foreclosure sale on my home. Before the relevant deadline, I requested consideration for a HAMP modification by submitting a loan modification package with all supporting documents. I submitted that information with help from a HUD certified housing counseling agency. I followed up diligently and responded promptly to further requests, even though US Bank created unnecessary barriers and made it difficult to communicate. But now US Bank is refusing to cancel the foreclosure sale as required by XXXX regulations and other rules. According to XXXX XXXX XXXX this foreclosure sale must be suspended. XXXX XXXX XXXX XXXX XXXX XXXX states : When a borrower submits a request for XXXX consideration after a foreclosure sale date has been scheduled and the request is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale ... A borrower is deemed to have requested consideration for XXXX when an Initial Package is received by the servicer ... In my case ( detailed in the attached ) a complete Initial Package was submitted prior to the Deadline, and therefore the sale must be suspended. I have been proactive in following up with US Bank and I have responded promptly to all requests, despite the fact that US Bank has been very difficult to communicate with and has created unnecessary barriers. My complete loan modification package with all required documents was submitted to US Bank on XXXX/XXXX/XXXX with help from a XXXX certified housing counseling agency. US Bank sent me a letter dated XXXX/XXXX/XXXX acknowledging receipt of my application. No further documentation was requested. After the application was submitted, I began calling US Bank in order to check on its status and confirm nothing more was needed. It took numerous phone calls and unreturned voicemails over several days before I finally reached a US Bank employee XXXX XXXX XXXX who agreed to provide me with info about my application. She told me I needed to send additional, more recent paystubs for XXXX my jobs. I explained that particular job is seasonal, no work had been available recently, and therefore I had no new paystubs. She responded that I should write and send in a letter explaining this. No other documents were requested. That same day, I sent to US Bank via email a signed, dated letter with the requested explanation. Receipt of this letter was later acknowledged in an email from US Bank rep XXXX XXXX. I received another letter from US Bank on XXXX/XXXX/XXXX. This letter was dated XXXX/XXXX/XXXX. According to this letter, only XXXX additional thing was required for my application to be considered " facially complete : '' additional paystubs from my seasonal job. I had already responded to that request, as detailed above. Also included with the letter was a blank " Monthly Household Expenses '' form. This form had not been included in the modification application that I was asked to complete at the beginning of the process. The cover letter said nothing about this new form. This form was duplicative, since I had already provided monthly expenses info as part of the application forms sent to US Bank on XXXX/XXXX/XXXX. I had even provided an extra, more detailed budget form with the package submitted on XXXX. Due to XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX was the next business day. I called US Bank and reached XXXX XXXX. She acknowledged receipt of my letter regarding the seasonal job and said it was sufficient. She said that the household expenses form was needed, even after I explained I had already provided that info. She indicated that was the only thing I needed to send. On XXXX/XXXX/XXXX, I sent via email the completed budget form. US Bank employee XXXX XXXX later sent an email acknowledging receipt. Since then, US Bank reps have refused to postpone or cancel the foreclosure sale. | ||||||
| 12/02/2016 | Yes |
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| I have been charged XXXX overdraft fee of {$36.00} for transactions that should of been cleared and not considered overdraft transactions. The transactions are as follow in the amount of : {$20.00}, {$11.00}, {$6.00}, {$6.00}, {$12.00}, which hard posted on XXXX/XXXX/16. These transactions where made, meaning point of sale time, the moment the card was swiped, the prior week which was XXXX. I spoke with a US bank representative, XXXX XXXX, from the XXXX WI in US bank location on XXXX XXXX She advise that because I made a preauthorization on XXXX/XXXX/16 in the amount of XXXX and another automatic preauthorization of XXXX, it brought my account into negative. So, my prior transactions, did n't hard post to the account until after the preauthorization was made and so my account was negative when the charges hard posted. I advised that when I checked my internet banking and mobile bank app it had already posted. I checked my mobile banking app several times a day. On Friday XXXX/XXXX/16 it stated that my available balance was XXXX with XXXX pending transactions. On Saturday and Sunday,XX/XX/XXXX-XX/XX/XXXX16, it stated the same. Then on Monday morning it stated that my available balance was XXXX with no pending transactions. I decided to pay for my cell phone bill in the amount of XXXX, and was unaware of the automatic withdraw of from the merchant paypal of XXXX. Then I checked later that day it was still the same. The next day on XXXX/XXXX/16, it stated that I was negative {$190.00} then later that day it stated I was at XXXX with XXXX pending transactions. I just assumed that it was a bank error. I knew I would overdraft with the XXXX payment on Monday, and I am willing to pay for the over draft for those XXXX transaction that posted on XXXX/XXXX/16 and XXXX/XXXX/16. I also advised that in there overdraft policy it states that they will not charge an overdraft fee until transaction has been paid, I assume it meant hard posted when the funds are actually pulled out of the account. As stated in overdraft information from us bank internet banking : " U.S. Bank will charge an Overdraft Paid Fee of {$36.00} for each item we pay or return on your behalf. '' She advise me that as soon as I swipe my debit card the funds are automatically taken out of the balance and so the preauthorization is what really matters and that they also charge for any preauthorization you make which brings your account to a negative. So I stated that those transactions where made the prior week and I had more than enough funds to cover it. So if that were the case, my account should not have been charged. Then she advised that because it hard posted onto my account on the XXXX/XXXX/16 my account was already negative due to the preauthorization transaction. I advise that if the preauthorization of the prior transaction was already pulled according to what she said " the prior week or moment I swiped my card '', then the funds should have been take out before the XXXX/XXXX/16 preauthorization transaction, so those hard posts should not have mattered. She then went on to state that the hard post did matter because if I had done the preauthorization on XXXX/XXXX/16 instead of XXXX/XXXX/16. The hard post would of cleared and I would n't be facing negative charges. I advise that on Monday morning XXXX/XXXX/16 stated that there was no pending transactions, that my available was {$4.00}. She then went on the state that preauthorization transactions are taken before hard posting transactions. I then advise how that can be because the preauthorization for the prior transactions should of cleared first because they were preauthorized first, the prior week. Then she stated that the hard posts does matter. Her explanation is very contradicting. I feel that I am being cheated and the US bank mobile app and online banking is very misleading. I 'd the XXXX overdraft charge of {$36.00} to be refunded back to me. | ||||||
| 08/07/2017 | Yes |
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| I am filing this complaint against U.S. Bank because they have refused to assist with recovering stolen funds and allowing me to access the remaining funds that were not stolen. I have a total of ( 16 ) {$200.00} pre-paid MasterCard gift cards that were all purchased from XXXX between XX/XX/XXXX and XX/XX/XXXX. I recently opened them for the first time from its packaging and when I checked the balances online, I found that all were used to make purchases without my knowledge and consent. Some were even registered in names of people that I do not recognize. None have a {$0.00} balance. The balances range from as low as {$.00} to as high as {$150.00}. I contacted the cards ' customer service at XXXX on XX/XX/XXXX and was told to fax over copies of the front and back of each card to Lost/Stolen Replacement Card Request at XXXX and all of my cards will be replaced. Several weeks passed and I still did not receive anything in the mail. I called them again on XX/XX/XXXX and was told that I also had to fax my information to XXXX XXXX at XXXX, which I did. I then received a letter in the mail stating they are unable to assist with my dispute on 4 of the cards because their notice of dispute was received beyond their allowed time frame of 120 days of the date the charged posted to the account. I received a separate letter in the mail stating that they are able to assist with my dispute on 2 of the cards so long as I return their required documents within their required time frame. There was no mention of the remaining 10 cards in question. I 've contacted XXXX XXXX because I used an XXXX XXXX credit card to pay for all of these purchases, but they are only able to dispute any charges within 60 days of the posted charges. Ive contacted XXXX as well and they, too, are unable to assist. I filed a complaint with the Better Business Bureau on XX/XX/XXXX. After several exchanges with U.S. Bank through the BBB, they determined that they are unable to assist with the disputes of the fraudulent transactions because I did not report them within 120 days from when the fraudulent activity occurred. This is an unacceptable response and a flawed term and condition. How could I have reported the fraudulent activity if I did not yet open the cards from their original packaging? Why would I not report it if I knew about it? This is a clear case whereby someone somewhere was able to determine the correct 16-digit card numbers and expiration dates and use the funds either online or over the phone to make purchases. I purchased them brand new and unopened and expected them to each have the full value on them, not all partially used. In addition to refusing to help me to recover my stolen funds, theyve completely ignored the fact that there were still funds on the cards at the time I reported the fraudulent activity and have prevented me from ever accessing those funds. When I first reported the fraudulent activity, their standard practice is to freeze the cards, which means that the cards can no longer be used and the funds are inaccessible unless the cards are replaced. I 've sent them all of the documentation requested to replace the cards, but nothing has been done. I dont know what you would consider this type of action on their part, theft? Theyve prevented me from accessing something that is mine, which is more or less taking something that belongs to me away from me. Lastly, U.S. Bank stated that their current research of the fraud on my cards has been inconclusive and asked that I return all ( 16 ) cards to them. They have the front and back of each of the ( 16 ) cards. There is absolutely no reason for them to have the physical cards in hand unless they intend to reimburse me in full for {$3300.00} ( {$200.00} *16 ). I do not want to send my cards to them. In the rare case where the cards get lost in shipment, I have no further proof for the claims that I am making against U.S. Bank. | ||||||
| 07/13/2016 | Yes |
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Web | Servicemember |
| XXXX XXXX, 2016, I submitted my mortgage payment online. Upon submitting the payment, I received notification that the payment was received. Prior to leaving on vacation on XXXX XXXX, 2016, I called US Bank automated phone service to confirm the payment was in fact received. On XXXX XXXX, while on vacation, I notice that the payment had not been withdrawn from my bank account. Therefore, I called US Bank to confirm when the payment would be withdrawn. During the call, I was informed that my payment was return by my bank due to the account number not being provided. I immediately reviewed the online payment history and it showed that payment was received, as well as my bank account and routing number. I called US Bank again informing them that the online payment shows that account number was provided. During my second call, I was told that XXXX returned my payment. I called XXXX to obtain the reason for my payment being returned. XXXX stated that my payment was never submitted to them and therefore, they did not return the payment. I called US Bank again, and submitted a formal compliant, as I could not obtain a consistent reason as to why my payment was shown in my online payment history as received on XXXX XXXX, 2016 at XXXX and the automated phone system stated payment was received on XXXX XXXX, 2016, but customer service is stating that payment has not been received. As part of the complaint, I asked US Bank to waiver all XX/XX/XXXX late fees, as the payment could have been resubmitted in a timely manner has their online banking system or automated phone system indicated that the payment was Not received. Upon submitting the complaint, I also mailed a check for the mortgage amount. Per discussion with US Bank on XXXX XXXX, I was informed that although a complaint had been submitted and the Bank was researching the issue the payment was still considered late. I informed US Bank that a additional payment was made via normal mail. The Bank stated that it can take 7-10 days for the payment to be processed upon receipt. In addition, while I was waiting to receive notification from US Bank regarding the outcome of their investigation, US Bank proceeded to report the late payment on my credit report. US Bank current practices provide customers with false/incorrect information causing the customer to incur penalties and late fees. US Bank online service and automated phone service reports payments received, even if there is an error with the submission of the payment. Had I been aware during the time of payment or when confirming the payment was received via the automated phone system, I could have resubmitted the payment in a timely manner. In addition, the communication method ( normal mail ) used by US Banks, decreases the amount of time a customer has to resolve an issues. The Bank indicated that they were made aware of the error on XXXX XXXX, 2016 and a letter was send via normal mail on that day. Additionally, US Bank noted that they attempted to call me on XXXX XXXX ( one time ) to inform me of the issue. However, I have not recorded of this call. I have called US Bank over 6 times to resolved the issues. Additionally, on XXXX XXXX 2016 while attempting to make my XXXX mortgage payment, I was informed that any payment made would go towards the XX/XX/XXXX balance. Therefore, the XX/XX/XXXX payment would then be considered late. Per the company policies, customers will incur a fee for all return checks. Therefore, I am unable to cancel the XX/XX/XXXX check that was previously via normal mail and pay both XX/XX/XXXX and XX/XX/XXXX over the phone, as I will incur a fee for a return check. I would like for US Bank to remove the 30 day late notice on my credit report, as I have made several attempts to resolve the matter and identify the error. Each time I call US Bank, I receive a different reason for why the payment is showing online as received and the exact error. | ||||||
| 11/17/2020 | Yes |
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| This is my now second time reaching out regarding usbankreliacard. I opened a dispute XX/XX/2020, I was never told that I needed to send in any information other then I handwritten letter documenting the disputed charges. Usbankreliacard denied my claim within 14 business days AFTER they FAILED to give me my 10 day provisional credit. I now had to open a new dispute on XX/XX/2020 as this is apart of identity theft, I have spoken with my attorney as well as the FTC and filed with them as well and will take the company to small claims court/arbitration if they do not honor my dispute and provide me with my funds by XX/XX/2020 ( 10 business days after filing another dispute on XX/XX/2020 ) my lawyer advised me since it is a larger amount about XXXX dollars to not allow them to deny my claim again and let them know we will go to court if needed. Due to the fact I have now sent in 27 documents of proof that I never even had a XXXX XXXX account, theres no transactions in my history on XXXX, XXXX hasnt been used in a year, and XXXX. Yet they refused to give me my credits back. According to regulation e, I am not responsible for any funds that are made on my account AFTER I reported fraud. I reported the first transaction in XXXX-XXXX. The representative documented it in my case but never shut my card off and sent me a new one. I know go see a XXXX for the XXXX, XXXX this has caused, I also had to hire a lawyer, I spent hours a day on the phone with this bank. I sent proof from XXXX and XXXX that my social and personal information have been apart of a breach and identity theft. Therefore after speaking with my lawyer and the FTC I was made aware that I MUST be provided with my 10 day provisional credit. LEGALLY. That is my money. I sent in all documents and email exchanges proving that I have reached out to cashapp before contacting the bank to let them know to stop all transactions from my card, when they failed to do so I reached out again and alerted them I am reporting this to my bank. XXXX told me to reach out to the bank as they are fully aware of the identity theft. Someone tried to open another unemployment claim under my name, wrong social, and also tried to open a credit card a few months ago. Usbankreliacard is truly the worst I have sent everything over that is required plus additional information. I had to switch my pay to a debit card because of this breach. According to the FTC and my lawyer the company has until XX/XX/XXXX to provide me with Atleast my provisional credit. If they fail to do so I will follow up with both companies and file suit as it was there fault they didnt cancel my card and also their fault that this bank is supposed to reject any and all transactions from apps like XXXX- according to us bank supervisor XXXX I spoke to on XXXX but the bank failed to do that. They continued to allow transactions to go through and without even alerting me. I sent in proof I never used that app ever. I had to download it just so I could prove theres no transactions under my number and email address name and so fourth. I have placed a hold on all of my credit accounts and hAve sent in proof my accounts were compromised as well. When I reached out to XXXX after checking my account I was in New Jersey and literally beyond distraught. I have XXXX children. I am now 2 months back on rent because of this! I never had to deal with identity theft in my life or something to this degree. Being my claim was opened now XXXX usbankreliacard has until XX/XX/XXXX to credit me back for the funds I have disputed. If not upon recommendation from the FTC and attorneys I will continue to fight this and go to court if I have to as I am a victim of identity theft and have sent in proof of that as well. Especially being the bank didnt do their job and cancel my card when supposed to. I now know my rights under regulation e and I am entitled to my money by XXXX/XXXX/XXXX | ||||||
| 10/27/2016 | Yes |
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Web | Older American |
| I was visiting in XXXX, XXXX and there are NO US Bank branches nor ATM within several hundred miles. My checking account became overdrawn because I wrote a check # XXXX, for {$800.00} to XXXX XXXX for my XXXX yr old Mother to move-in. I have overdraft protection on my account. The check was paid. I knew I owed US Bank for payment of that check. I began calling US Bank on Tuesday XX/XX/XXXX16 to determine the quickest, but least expensive way to get a deposit back XXXX. [ Monday, XXXX XXXX was a Bank holiday, XXXX XXXX. ] On XX/XX/XXXX16, I purchased a XXXX Postal Money for {$830.00} and I begin a several day journey to accomplish this goal. I spoke to at least XXXX different XXXX beginning on XX/XX/XXXX16. I was given XXXX different addresses to US Bank linked ATM " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in the XXXX area. US Bank had XXXX my ability to make a deposit through their " mobile app '' because my account was in a NSF status. Beginning XX/XX/XXXX16, I began traveling to each ATM only to my horror, to XXXX that XXXX was a " debit only '' ATM. And the other XXXX locations were locked, secured facilities for XXXX XXXX XXXX " XXXX, XXXX & XXXX '' employees ( plant locations with a XXXX XXXX forbidding entry to the general public ). By Friday, XX/XX/XXXX16, I had contacted XXXX US Bank CSR who told me that she could see the multiples times I had called trying to rectify this problem. She offered to credit me XXXX NSF of {$36.00} if I successfully made the deposit before the close of the banking day. This was impossible for as I reached the final destination, it was yet another locked secured facility for XXXX XXXX XXXX " Light, XXXX & XXXX '' employees ( plant locations with a Guard Station forbidding entry to the general public ). Totally devastated, I called US Bank again on Friday, XXXX, and reported my findings which thereby had prevented me from making the deposit and getting certified funds into my US Bank checking account. On Monday, XX/XX/XXXX16, a US Bank telephone CSR gave me the following " Deposit by Mail '' address : US Bank By Mail XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I went to a XXXX XXXX XXXX branch in XXXX, on Monday, XX/XX/XXXX-16 and I paid {$22.00} to overnight my Postal Money Order for {$830.00}, ( dated XXXX/XXXX/16 ) for Deposit to my Checking Account at US Bank. It was received by US Bank and {$830.00} was credited to my Checking Account ending in " XXXX '' on XX/XX/XXXX16. Finally, I had successfully made the deposit and my US Bank Checking Account was positive. However, this did Not end the problem. I returned XXXX on Friday, XXXX, 2016. Although I had " jumped through every hoop '' which US Bank had given me, I learned on Tuesday, XXXX/XXXX/16, that US Bank " Fraud '' Dept. had placed a 7 day business hold on my deposit of the XXXX XXXX XXXX XXXX of {$830.00} when I received a letter. I called the US Bank XXXX XXXX more than 2 times beginning XXXX XXXX, 2016. Furthermore, I went to my local US Branch with the " official stub from the XXXX XXXX XXXX XXXX for {$830.00}, dated XXXX/XXXX/16 '. The Branch Representative called the Fraud Dept. They denied my request to remove the hold on my funds, and furthermore, explained that a deposit of {$830.00} was a " large deposit for me. '' In addition, all my other deposits were made through " electronic transfer. '' When I reiterated that it was a Postal Money Order sent " Express Mail, '' this US Bank Fraud representative told me that he did n't care, and that my funds would NOT be released until Friday, XXXX XXXX, XXXX. I only tried to do what was upright and financially prudent and send guaranteed funds back to my US Bank checking account XXXX. I arrived back XXXX on Friday, XXXX/XXXX/16 and US Bank still shows my account in an overdraft status, and will NOT release my deposit of {$830.00} until Friday, XXXX/XXXX/16. I feel that I am a Victim of " Discrimination! '' Please Help Me! | ||||||
| 08/16/2016 | Yes |
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| US Bank has been extraordinarily difficult to deal with for the entire term of my 3-year lease. Whenever I call I am transferred around to so many different departments because the first person who answers can not help me. Last time I called I was transferred four times and waited 20 minutes to speak to someone. I have been hung up on several times. It is nearly impossible to get direct phone numbers to individual departments because they are not published. The US Bank website is setup to be a personal banking website, and is not designed to be used for vehicle leasing so it is extraordinarily difficult to find current lease account information on the website, and the PDF downloadable statements conflict with what the website account says. I tried to setup auto-payments several times over the course of my lease, which US Bank requires to be setup using paper that has to be mailed. This should be a service available to sign up for online. Thinking my auto-payments had been setup properly, I missed a payment and was charged a {$25.00} late fee. I called and filed a request with customer service to forgive the late fee because I had setup auto-payments that was not enabled in the timeframe promised, and never received a response back from customer service on whether or not the late fee would be forgiven. This is a reasonable request. During XX/XX/XXXX when I transferred the address of the lease to NYS, I re-registered the vehicle myself at the NYS DMV. I had extraordinary difficulties with US Bank sending me the correct paperwork to allow me to re-register the vehicle, this involved two days and untold number of hours of my personal time. The status of the taxes US Bank is trying to back-charge me for in NYS is still unresolved after 2 or 3 letters back and forth with US Bank Customer Service during XXXX and XXXX. US Bank is unable to provide any proof that they received a bill from NYS charging taxes on my vehicle. The vehicle was turned in at a XXXX dealership in XXXX, NY on XXXX/XXXX/XXXX. I called US Bank the following day and asked to make sure that my auto-payment ( which I did finally get setup properly ), was stopped for the XXXX lease payment because the XXXX dealer was going to pay that final month for me and send the check directly to US Bank. The customer service agent on the phone promised me the auto-payment would be stopped. This did not happen and an auto-payment was made to my checking account for XXXX. I called US Bank on XXXX/XXXX/XXXX to complain that my auto-payment was not stopped as promised, and was told it was not their problem and I should have called my checking account bank and told them not to pay US Bank even though the auto-payment was setup with US Bank and not my checking account bank. I spent over an hour on the phone on XXXX/XXXX/XXXX getting transferred around with no resolution. I also complained on that day that it had been a month since the vehicle had been turned in and no one at US Bank customer service could tell me what the status of my account was, they simply said I needed to wait until I got a final statement in the mail because there was absolutely no information. I finally found an agent who was willing to do some digging and confirmed with me on the phone that that XXXX Dealer had in fact sent the XXXX payment check to US Bank, and that I had overpaid my lease because they had not cancelled the auto-payment in time as promised. They said the vehicle was not going to be inspected for another 7-10 days ( even though it had been turned in over a month ago ). I then received a final statement on XXXX/XXXX/XXXX which still said I owed XXXX 's lease payment, and had a line item titled " miscellaneous receivables '' for {$490.00} which went completely unexplained. It also had that {$25.00} late fee I described above. I am not spending another hour on the phone to resolve these account problems, I do n't have the time. | ||||||
| 09/20/2016 | Yes |
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| I signed up for a new credit card with US Bank a few weeks ago.The card came with an offer of {$150.00} cash back bonus if I spent {$500.00} in the first 90 days. On XX/XX/XXXX, I tried to make a purchase of app {$800.00} with this card at XXXX which advised me that my transaction did not go through. I did not get any notification from USBank about any blocked transaction. Even today seven days later they have not bothered to inform me about that. I called US Bank that day. When I dialed their number, the system asks you to put in your card number, etc. Then when you select to talk to an agent, they put you on a long hold. When an agent picks up the call they again asks you for your card number, etc. and then again put you on hold to transfer you to someone in fraud department. Another agent will pick up the phone and will again ask you for your card information, etc. So they do n't tell you that they blocking your charge and then to speak to someone you have to spend at least half an hour on the phone and provide your information 3 times. I spoke to one agent in the fraud department who advised me that she had cleared off the alert and that if I try again in XXXX minutes, it will go through. She was n't willing to wait for 2 minutes for me to try again. So she hung up. After about 20-30 minutes, I tried my transaction again at XXXX and the transaction was still declined. So I called US bank again and after spending 30 minutes on various holds and giving my information three times again, I asked them to transfer me to a supervisor. The person I spoke to was XXXX ( Id XXXX ). She basically told me that there is nothing she can do to make the charges go through in this situation. Not only that she also told me that there is no way for her to tell me which charges will go through in future and if the charges do n't go through there is nothing that she can do. She blamed me for all this saying that I was at fault because I was trying to charge {$800.00} online. She denied all responsibility on US Bank 's part because ( and this is in her own words ) it is not them, it is their " system '' that behaves like that. Listening to all her non nonsensical answers, I lost my temper towards the end on the call and used some language that I am not proud of. US Bank has left me in a situation where I have no way to tell which charge will go through and which wo n't. So I am in a situation where I ca n't use the card to meet the {$500.00} spend requirements to get my {$150.00} bonus I was going to file this complaint the very same day but I thought I will give them another chance. On XX/XX/XXXX I tried to make another charge at XXXX and that did not go through either. So today I called them again. After spending 30 minutes on various holds and giving my card information thrice, I spoke and agent named XXXX ( Id XXXX, not sure if this is correct ) who was the rudest person I have spoken to at US Bank. Kept raising his voice with me and interrupting me while I was talking. He purposely asked me all sorts of questions trying to pretend that he was trying to verify me. He asked me what was my credit limit and when I said did he have any other questions after that, he said no. After I answered his question about the credit limit correctly, he again came back and said let me see what else I can ask you, all this just to XXXX. Again pardon my language here, but he proved to be even more useless and offensive than the previous agent. He took all the time to read the notes but still could not figure out what I was calling about. And in the end, again said it was my fault for using my credit card the way I did. Claimed that there was nothing wrong with them and it was their system and not them. When I mentioned that I will file a complaint with CFPB, he threatened to send my account for " review ''. To summarise, he acted like a thug whom you expect to work for a mafia not a bank. | ||||||
| 06/19/2021 | Yes |
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| This complaint is only a part of my issue with reliacard services, but most recent is a deposit into my account of {$2700.00} on XX/XX/XXXX at XXXX XXXX. A unauthorized bill pay transaction of {$2000.00} was made to a " XXXX XXXX '' at XXXX XXXX on XX/XX/XXXX. It was not made to me, I wasnt even aware that a deposit was made into my account until XX/XX/XXXX. That is when i moved the remaining {$720.00} out of that account and called reliacard services. At first, they were very helpful and assured me that i would get my money back. We started the dispute and they said they were sending the forms. ( I'm not sure of the exact dates of when i called back to ask about those forms, but i do know how many times i called, it was 5 times ), and never received them. Actually, reliacard services never called me or wrote me back. But, they assured me that they were working on my dispute everytime i did call. They would ask me questions about it, then put me on hold for 30 mins, then transfer me to someone else i would have to explain the whole situation too again. Always ending in saying that my dispute is being worked on. After never recieving the forms I asked about their policy stating if it takes more than 10 days to complete their investigation they will credit my account with the money. They said because i never returned those forms i never recieved that they couldnt do it. I was angry, but I believed that i would get that money eventually because it is so obvious that it wasnt me that got that money. After a few weeks i called back, talked to a district manager and she said, Mr. XXXX your dispute is still in process but everything looks good. She says she was looking at it and looks good just to call back in a week or 2 to check on it. I waited longer than she said to because i felt intiminated and totally disrespected by them, but when I called it was the first week of XXXX. This is when I literally started to cry on the phone because reliacard services informed me that there was nothing that they can do. And, there wasnt any dispute with that transaction because with bill pay it worked differently. I said, so who do i need to talk to now very calmly and she answered me angry and annoyed by my question with the same answer, that there was nothing that they can do and they dont know what to tell me except call bill pay. 3 1/2 months I waited to be told that there is nothing they can do, period. i asked a couple more questions, and she very annoyed said Mr. XXXX Im sorry but there is nothing else we can do.I called Bill Pay, they told me that they shouldve never had me call them and apologized to me and said that it had been too long to do anything about it even if they could. That i needed to call reliacard.Reliacard does not want to help me, Bill Pay says they cant help me and i have no idea how to help myself but my money is gone! I would like to see if you will please take the time to review my transactions, and hopefully listen to my phone calls to reliacard ( because it always states our phone call is being recorded ), and please look in to where that {$2000.00} was sent. Because according to reliacard services, they dont know. Also, if you can not help me can you please recommend me to a law firm that takes this type of case. Because the other part of my complaint with reliacard services is that I never recieved my unemployment benefits from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. Thats why if you can not help me with this, i need to hire an attorney with the help of an investigator to go back to look at those transactions or ATM withdrawals and physically see that i did not recieve those funds. And now since reliacard has treated me like a piece of XXXX, i want to make them pay legally everything they owe. And, I know I will win because its the law and for the first time in my life i have the law on my side! Thank you. | ||||||
| 08/27/2015 | Yes |
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| I currently possess XXXX checking accounts with US BANK. In the last XXXX weeks someone has gained unauthorized access to my online account and my debit cards, which resulted in me having to file XXXX claims, XXXX which was unlawfully denied by US BANK and XXXX which is currently pending. My XXXX checking account ends in XXXX and the XXXX one ends in XXXX. XXXX my debit cards, which were again recently stolen, end in XXXX and XXXX. With regard to the checking account ending in XXXX, on XXXX/XXXX/2015 I gave my cousin temporary authorization to make XXXX deposits to my account, and he did that, and returned my card to me. I do NOT know if he wrote down the XXXX digit card number and pin number or gave this information to anyone else but he did return my card to me. Sometime that day or night, someone made unauthorized transactions on my account using my debit card to make a " XXXX FIRST PREMIER '', which I do n't even know what that is, and XXXX ATM withdrawals on XXXX/XXXX/2015, as well as XXXX the following day, on XXXX/XXXX/2015. NONE of these transactions were authorized by me at all, and that was when I realized my card ( s ) had been stolen. I immediately called US BANK to have the cards cancelled and new cards re-issued. US BANK cancelled the cards and had new ones sent out. During this time I 've been back and forth between XXXX and XXXX, taking care of my mom who has XXXX, and my cards and personal items were left at home in a secure as possible place, yet someone was able, obviously, to steal my cards, and gain access to my online banking, which I did NOT realize until yesterday. I immediately disabled my Online Banking to prevent further unauthorized access to my account. While all of this has been going, I had already filed a claim for {$1200.00}, which was my first claim consisting of the first set of unauthorized transactions. This claim was assigned to a claims processor known as XXXX, who initially informed me my claim would be approved within 10 days, or at least provisional credit would be provided pending the outcome of the investigation.. None of this happened. Instead, she denied my claim stating that she had ordered the film from the ATMS that the transactions had been conducted at and she discovered that " the same person who conducted the transactions that you 're claiming are unauthorized also was seen conducting a transaction that you did NOT file a claim on. Im denying your claim, unless you file a police report. '' I then told her that Regulation E of the Federal Reserve Board rules does NOT state that a police report has to be filed by a consumer before a financial institution reimburses him/her for unauthorized or fraudulent transactions. She then told me that my claim would be denied unless I filed a police report, which I refuse to do, because the police are NOT liable to me, the BANK is. Then, apparently XXXX more unauthorized transactions occurred with my card on or around XXXX/XXXX/2015,, a {$60.00} ATM withdrawal, and a debit card purchase for {$12.00}, which I DID NOT authorize. At the time these transactions happened, I was out of town. I have since deactivated both of my bank cards, and disabled my online banking with US BANK. I have a second claim wih US BANK, claim # XXXX. The first claim that was denied was claim # XXXX, for {$1200.00}. This claim was wrongfully denied pursuant to Regulation E, which sets rules for banks regarding unauthorized transactions on consumers ' accounts, and the REGULATION DOES NOT state that a valid claim can be denied, because of the absence of a police report. I do NOT trust law enforcement, given the recent activities of law enforcement in America over the last 2 years towards people residing in this country. Besides, a police report does NOTHING, because the police are NOT going to be the ones who have to REIMBURSE me, US BANK does, pursuant to Regulation E, Section 205.1-2015.15, | ||||||
| 04/21/2020 | Yes |
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Web | Older American, Servicemember |
| On Saturday, XXXX, XXXX I received an insurance check in the amount of {$36000.00}, from XXXX XXXX. It covered the additional costs to repair earthquake damage to the sewer line, not included in the original estimate. I endorsed the check and put it the mail the to US Bank National Association, Loss Dept. located in XXXX, Monday, XXXX, XXXX. 1 ) It finally showed up in the US Bank file Monday, XX/XX/XXXX. I called and explained that they had closed their file too early. This was a supplementary check for unanticipated sewer line damage. He said it would take two or three days to process the check. So, I expected a check issued by XX/XX/XXXX. A ) XX/XX/XXXX, I received a call from a US Bank representative asking me what the check is for. I explained it all over again. This also pushes back the check 's process date to XXXX, XX/XX/XXXX. 2 ) XX/XX/XXXX, I called to check on the status of the check. Now I am told they need an Adjustor 's Report. I was told that the adjustor could just call however. I called my adjustor who in turn called them. This just delayed processing the check until XX/XX/XXXX. B ) XX/XX/XXXX, and they still have not issued a check. When I called, the representative I spoke with could not give me an adequate answer as to why they have not processed the check. I insisted on speaking with a supervisor or manager. No one is available, someone will call me tomorrow. XX/XX/XXXX, I receive a call at XXXX a.m. I was in the shower. C ) He left a garbled unintelligible voicemail. 3 ) I called them at XXXX and had a nineteen minute conversation where their representative told me they needed a Stabilization Report. I went ballistic. D ) During this nineteen minute conversation I insisted on speaking with a manager. Again their narrative is no one is available. However, during my rant, he did say I could make a phone appointment with a manager. I was upset and left the conversation with a promise that a manager would return my call tomorrow. I realized I didn't get a firm appointment time to speak with a manager so I called them again at XXXX to schedule one. They kept me on hold for an hour and 7 minutes. I wanted a firm time so that my contractor could be attend the call. 4 ) XX/XX/XXXX, I spoke with XXXX, manager. She explained that they made a mistake with the first {$110000.00} disbursement and it shouldn't have been released without the Stabilization Report. E ) She asked if she could release 1/2 of it? I said no! This is exactly what transpired with the first {$110000.00}. I want it all or you can withhold a {$1000.00} until you get the Stabilization Report. I said I'd check the computer in the morning to see if the check has been issued. I also asked her to provide me with the regulations that require a Stabilization Report and how much they can withhold until they receive it. As of XX/XX/XXXX, I have not received that email. To sum it up : This case was closed. The check should have been released by XX/XX/XXXX at the latest, according to the first representative I spoke with. The excuses they gave me are just to delay paying. If they needed a Stabilization Report they should have in formed me by XX/XX/XXXX. The Stabilization Report should also have no bearing on disbursing this check. If it was an issue it should have been resolved earlier. This is the first I've heard of them requiring a Stabilization Report. They are withholding funds that they have no right to hold on to. This is extortion. 1-4 the narrative changes. 1, it's 2-3 days ; 2, they need the adjustor 's report ; 3, they need the stabilization report, 4, can I send you half? A-E are the delay tactics they use to drag it out issuing a check. This is blatant " Big Bank '' taking advantage of the little guy. I've got horror stories from the first {$110000.00} check. It took four months to get them to release it! The work was completed in XXXX. | ||||||
| 11/30/2016 | Yes |
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| On XX/XX/2016, I requested a cancellation of a Timeshare purchase made on XX/XX/2016 for {$22000.00}, well within the merchant 's cancellation period. The amount was split between my credit card and my husband 's credit card for {$10000.00} and {$12000.00} each. We requested the cancellation because of the merchant 's intent to defraud, which we found out after the transaction. We were basically pressured and hurried through signing the documents but after taking time to review them on our own, we found out a lot of things did n't add up. After requesting cancellation, the merchant kept pressuring us to keep the Timeshare, promising to include additional benefits. They would not cancel and send us a confirmation. So, we decided to make our credit card companies aware of the issue and filed for a dispute. After submitting all the required documentation to XXXX XXXX at Elan Financial Services claims department on XXXX/XXXX/2016, the credit card servicing company for Fidelity, I made several calls in an attempt to reach her and get status update on the dispute but those attempts were futile. The last two times, I got to speak to XXXX other people who claimed Elan Financial Services was awaiting additional information from XXXX XXXX before they could proceed with my claim. They also went further to say that the outcome of my case would depend on the information received from XXXX XXXX because my files were transferred over to Elan Financial Services when Fidelity changed management of its credit card services to Elan Financial Services. In the meantime, the Timeshare company sent me a deed for a completely different package than was in the original contract 2 weeks ago, degrading it from Lifetime to Tenured. I was waiting to hear back from the claims reviewer so I could provide this new information. But yesterday morning, I looked at my statement and saw the {$10000.00} had been charged back to my card. On the other hand, the {$12000.00} charged to my husband 's card had since been reversed in XX/XX/XXXX because XXXX resolved the dispute permanently in my husband 's favor after doing their due diligence and investigation. Elan Financial Service mishandled my dispute and paid little attention to my case from day one. There was no incentive to give my claims due attention because according to the supervisor, the transaction did n't occur under them. My husband has a XXXX XXXX card, just like I have a Fidelity Visa card. So, how is it that XXXX and Fidelity reached XXXX different conclusions on the matter? Is the merchant now willing to accept only {$10000.00} from me and let the other {$12000.00} go? And is the {$10000.00} supposed to now be for the downgraded package without my knowledge and consent? I can provide evidence that the case was resolved in my husband 's favor and also evidence of my request to cancel the transaction, in addition to a copy of the deed for the downgraded package that was mailed to my house. This is something I never purchased! Had the claims processor done due diligence, that should have been grounds for a permanent charge back to the merchant. I called 6 times since yesterday, spoke with different people at the Fidelity office, and Elan Financial Services fraud and claims department. I spoke with a supervisor who told me they reached the decision based on the information provided by XXXX XXXX since the transaction occurred under them. He said there was nothing he could do to help me and that I could contact their President for an appeal. XXXX XXXX ca n't help either since they no longer service my credit card.This decision amounts to siding with the merchants intent to defraud me and making me pay for something I never purchased. This is really unsettling. I have had the Fidelity credit card for years and never carried a balance on my credit account. I always pay my balances off every month no matter how small or large. | ||||||
| 02/16/2016 | Yes |
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| US Bank states as of XXXX XXXX 2015 my mortgage was in default. According to US Bank records and my RM, I was current as of XXXX. I got a letter XXXX XXXX 2015, and immediately contacted my financial advisor. He wanted a current print out of my mortgage history. I went to my online banking and it was removed from my list of accounts. Only my checking and savings accounts were accessible. I went at lunch to the branch at the XXXX and my mortgage account was frozen. The bank manager could n't even override it. I immediately called my financial advisor for advice and my next steps. I told my RM it was XXXX but it was XXXX She asked why I did n't call customer service since it was probably just a " glitch '' in the system. That was not my first thought since I did n't trust the bank at that point and my first thought was to call someone I did trust and had my interest in heart which was my financial advisor. There are some serious discrepancies with my account. The XXXX 2015 mortgage statement states my current contractual amount due is {$6200.00} with {$560.00} in suspense funds. I received a letter dated XXXX XXXX, 2015 stating I needed {$4200.00} to bring my account current. A certified letter dated XXXX XXXX stated I needed {$3800.00} for payments and {$370.00} in late fees. That equals {$4200.00}. My XXXX 2015 statement states my total contractual amount due is {$8200.00} with {$1600.00} in suspense funds. Non of this makes any sense. If XXXX was current how am I delinquent on XXXX with {$1600.00} in a suspense account? On XXXX XXXX, 2015 I received a letter regarding my interest in being considered for loss mitigation & request for PMI removal. On XXXX XXXX a letter saying I 'm delinquent and if I do n't send secured funds within 30 days, foreclosure & public sale of my property will follow. I find this very interesting that since I asked for financial options to keep my home, I 'm threatened with public sale. I was also sent an appraisal of my home valued at {$330000.00} and I owe {$250000.00}. Since housing has gone up in my area, I find this to also be very suspicious. Yes, I was sent a XXXX packet to fill out and I did ask how I could go about removing XXXX XXXX from the loan since he has n't paid towards the loan in over 5 years. During that conversation he said I would have to refinance or get a quick claim deed. I told him I could n't find him on title in the KC records. If he 's not on title, he would have had to have a quick claim deed. He was not able to find a quick claim deed nor did he see him on title. This poses a serious problem I would think? If US Bank has my loan they should be able to tell me if they have him on the title or if they have a quick claim deed. How can I accurately and truthfully fill out the packet without having that information? He does n't contribute and I should n't have to put his income information on the paperwork if he is n't on title. This is the reason I was asking for a modification in the first place. After stating I was delinquent US Bank reported a negative report on my credit history and continues to charge me for periodic inspections of my property. I asked my RM to have that removed and she said NO, you missed a payment. I told her my account was frozen, removed from my online banking and my financial advisor can not see where I was delinquent. It was degrading enough to file bankruptcy to keep my children in their home but to ask for assistance and get all this and then a negative credit reporting, is appalling. I have worked hard as a single mom to get my credit back and to do this, will cause severe damage. US Bank has taken away any chance of another bank taking on my loan, a future refinance, chances of getting credit cards, it will increase my car and homeowner insurance rates, potentially jeopardize my current credit card rate, my daughter just turned XXXX, I ca n't co-sign for a car. | ||||||
| 04/12/2016 | Yes |
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| My bank, U.S. Bank, committed deceptive, unfair and abusive acts and practices ( UDAAP ), as defined by the Dodd-Frank Act of XX/XX/XXXX, as my mortgage lender and personal banker. In XX/XX/XXXX, I tried for a HAMP program but was Deceptively shuffled to a loan modification even though I reported unemployment income and could have qualified for a better program. I was Abusively rejected in application process and had to start all over in the 11 months it took, served by XXXX different XXXX Relationship Managers who would have no continuity with my application, the rules Deceptively hidden, leaving me the applicant having to ask for the rules. I had to repeatedly call and ask to find out during this nightmare of a year, even buy fax software so as not to miss deadlines by minutes they required. One promised me my big and small loans would be combined and I would get a lower APR, XXXX XXXX. Yet I did n't, and I was compounding interest while in loan mitigation AND getting socked with NSF and late fees. I even heard the evil glee in the voices of the XXXX phone consultants when I told them I was a XXXX person trying to get back on my feet, so they could take advantage of a weak customer and steal her house, making it impossible for me to make my payments. I began to understand the XXXX XXXX XXXX movement when U.S. Bank Home Mortgage squeezed me out of my home. It ended with U.S. Bank Unfairly coercing me into accepting a Trial Payment Program ( TPP ) and Repayment Plan with less than 10 days to sign, Unfairly pay double payments, with no rules transparently revealed to me -- AND send my first checks. After promising me Affordable housing program over the phone XXXX big loan package at a lower rate with smaller house payments, I got a loan mod at the same rate for my larger loan and a TPP for the smaller loan with double payments for 2 years, with their " waterfall decision tree '' deceptively hidden. I did report unemployment income, yet I was disqualified for that program. My resulting mortgage payment was $ XXXX/mo more than I 'd been paying originally ( {$2800.00} ). Again, deceptive and abusive! When I complained, their response merely regurgitate the results of my loan mod ; it did nothing to clarify or ameliorate the problem! They even had the gall to put my home into foreclosure 3 times, once when I did n't make my repayment payment by XX/XX/XXXX, once cancelling my plan without warning, sending me the plan 's rules with this cancellation notice. On the customer-facing end of their bank, because they put me into foreclosure, and another time their grossly ineffective technology failed to move me out of loss mitigation/foreclosure in the system, they told me I had to pay in person at a teller. Then it had to be processed by hand instead of by wire, so I would be late and be charged more fees. These are the many examples of utter incompetence and gouging of the consumer where U.S. Bank took advantage of me, and I should be suing them in court for XXXX, considering the interest I was charged during my loss mitigation process that I ended up paying back when I paid off my mortgage with the sale of my house, the value I lost on selling early, and the money I could have saved with an affordable plan, not to mention destroying my credit rating, which wo n't be repaired till XX/XX/XXXX. Just getting back on my feet after a year of XXXX and working full-time again, I could n't afford double my mortgage, so U.S. Bank Unfairly squeezed me out of my house and forced me to sell it early XX/XX/XXXX. I could have kept it 1 more year and made {$100000.00} more in a hot market, XXXX XXXX, CA. I had to rent my home for {$3100.00}, move to a temporary apartment in XXXX XXXX for a better job XX/XX/XXXX for {$2700.00}, where housing is rare, and I was still losing money on housing with my new mortgage at {$3900.00}. US Bank stole and cheated more than {$25000.00}. | ||||||
| 10/11/2015 | Yes |
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| I am the recipient of a large number of contacts lacking mandatory legal documentation or purpose, on such a continuing basis that the filer at US Bank is clearly engaged in stalking me and targeting my business as the only agenda US Bank has in this matter, as having made no attempt to collect and instead retaliating much further in response to any attempt to get even XXXX MN or CFPB to mediate in the dispute, by date. As far as can be determined, this employee has engaged in accounting fraud, XXXX the overdraft protection on the account at the same time she adjusted out the funding from a single check for {$330.00} that their software had screwed up the deposit of unlawfully and which cleared the maker 's bank XXXX in the normal 3-5 days after it was finally possible to deposit it which documentation is took place XXXX at my end despite the screwup in the US Bank XXXX for the same transactions, and only to US Bank. The responses continue to change and consist of inflammatory libel which keeps escalating. All this person has ever done is target my business credit, public reputation, relationships with customers, and me personally financially and otherwise, hence the use of the term stalking as this has no relationship to lawful debt collecton. I have been through the attached request in other forms with the bank since XXXX/XXXX/15 when she did all of this at the same time through having customer service shout at me when I phoned and make highly litigious offensive false accusations where the record indicates there is an employee who engaged in accounting fraud and has stolen the funding of the check at this point. I however am being harassed so severly that I have and have just had to pay for credit reports for my business due to having been sent notice they were reporting a chargeoff as their collections efforts when I attempted mediation through the XXXX MN as their other response of the same date as that XXXX falsifying claims of repeating bouncing checks etc and that this client also had checks deposited at another bank. Which is the work of someone reading comic books that make no sense particularly given the customer is a long term repeat customer and has provided both sides of the check involved as deposited at their company 's bank. By email. Upon request as decent honest business people who have no role in any of this. However, it appears I am being dragged through court to force US Bank to permit me to clear my name, my business credit, and force US Bank to stop the harassment of me personally and otherwise like a vindictive slapstick cartoon. I am seeking documentation of US Bank that I have requested before, and provided the final as expected emotionally angry request attached, but they have refused to document or provide any evidence of any claim they make which is against the law in creating and collecting debt. As is collecting fraudulently created debt or debt created in error which this kind of malicious hostility indicates is not the case. They do owe me the {$57.00} balance in the account from when she did this to my account, she being XXXX XXXX XXXX the US Bank Branch Manager in XXXX XXXX IL in a branch I went into XXXX at least a year ago whose ATM generally did not work and so I rarely even drove to the ATM of after hours. I have had forces scattered so widey that I am also not sure what anybody can do other than address the various components of the consistent across the board gross misconduct with debt collections of a debt I do n't owe that was created with accounting fraud. About a single check that is not this difficult to cooperate with dispute and a normal bank creates and provides notices of with any notice of the alleged bouncing checks the other bank stated did not take place. They have no record of multiple presentations of that check at all. They have no funds returned from US Bank either. | ||||||
| 03/30/2015 | Yes |
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| I have been working on a loan modification with U.S. Bank for almost a full year. I fell behind on my mortgage payments when I became unemployed almost 2 years ago. I continued to make the payments on my home for 10mo ; using my savings and retirement account money ( IRA, XXXX ). When I had to make the choice to either feed my wife and XXXX young boys ... or pay the mortgage and credit card bills ... I chose to feed the family. After missing a couple payments I notified U.S. Bank of my hardship and they began working on my modification. They have requested and I have provided more information than I ever thought possible. They make it " seem '' like they are trying to keep me in my home. However, after dealing with this process for almost an entire year, I have come to realize that they are just playing games with me and do not intend to help me. I submitted all the information they requested almost immediately. Then, every couple weeks they find new info that they need. I would provide that information. Then every 2-3 months, the information, the documents I had signed, the RMA - Request for Modification Assistance, would " expire ''. What I noticed after this happening several times was that my " relationship manager '', the person assigned to my account, would not get back with me, sometimes 2 weeks at a time when I would ask if my file was complete and in process. On multiple occasions he would even tell me that my file " looked complete to him '' and that he would submit it for processing. Every time they would come back needing something -- -typically something I HAD ALREADY PROVIDED THEM, which happened XXXX or XXXX times. I would then resubmit what I had ALREADY provided. U.S. Bank would then come back and say I needed to provide it in a different way or find some reason not to accept what I submitted ... or flat out lie and say they did not receive it -- -- even though I have email records saying I sent it, and there office saying the documents were received. The worst part is that I am not trying to receive anything for free. During this entire process I have asked that my missing payments be added to the back end of my loan ; they do n't lose any money, then I can resume paying. After 5 or 6 months of missed payments I told U.S. Bank that I could once again afford my monthly payments but had exhausted my savings and I thought we were working towards a common goal -- the modification which they said would help me. I even started making payments as a " good faith '' to show I was serious. To my shock ... they returned my payment and said I had to continue the modification process. The awful thing is, they returned my payment 5 months ago ... I could have been paying for the last 5 months and that would have put more money in U.S. Bank 's vault but instead they told me not to send it in. On at least XXXX different occasions they have asked me to send in info that I have already sent to them. Even worse, they are often replying to that exact email detailing what I sent in while asking me to send something they already have. Multiple times my relationship manager has said my file is complete ... only to hear back from the processor or my Relationship Manger that something is missing or expired. I want to stay in my home and so does my family. I am now past the financial hardship and can afford to make full payments on my mortgage each month ... and I have been able to for 5 months, but savings is exhausted, I do not have the ability to pay back all the missed payments which is almost a full year now. They have delayed info, lied to me, misconstrued the truth all while " saying and acting '' like they want to help me stay in our home. I have emails of this entire process. It is blatant and obvious. I have provided all the info they have required and in some instances sent it in XXXX and XXXX ... but still they move to foreclose on me. | ||||||
| 12/18/2015 | Yes |
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| I submitted a complaint regarding the loan modification process at U.S. Bank ( " USB '' ) in XX/XX/XXXX. It made USB halt the foreclosure process and allow me to get through the modification process. Unfortunately, after so much time and effort to send them every document they asked for ... USB has denied my modification and the offer they gave showed me that they really just want to kick me and my family out of our home. USB has asked me to send so many documents a 2nd and a 3rd time I am certain that they purposely lose these documents because they get paid more when they continue to service loans rather than help me work something out. They say they do n't have documents even when I have proof they do ... then my relationship manager has been impossible to reach as they seem set on foreclosing on me, not helping. I am wrote a formal appeal to the letter I received on XXXX from the U.S. Bank loss mitigation department. The letter stated that I had been " approved '' to start making payments of {$8300.00} for 16 months on my mortgage. My previous mortgage payment was {$3600.00}. This is before I became unemployed and had extreme financial difficulty. The suggestion that I would somehow be able to afford a payment that is more than double ( 2.3 times more ) my old monthly mortgage payment makes no sense and is financially impossible for me. I could even tell that my relationship manager did n't understand why the bank 's offer was so high and comp I have submitted more information on my past than I ever thought possible including my most recent tax returns and all P & L statements for my business numerous times ( I have confirmations ). I am XXXX, I started XXXX after I lost my job in 2013. If you do the basic math of my personal income of {$XXXX} and subtract the taxes due of {$20000.00}, it equals {$XXXX}. I have confirmation that this document had been received. If you divide {$XXXX} by 12 months it is {$XXXX} take home per month. This total amount is LESS than the mortgage payment THAT US BANK IS SAYING I NEED TO NOW PAY. Obviously, I have significant other expenses besides the mortgage just like any husband with a wife and XXXX young sons. If you do the math, I have {$4200.00} leftover each month in which to pay the mortgage. I can afford a {$3700.00} mortgage payment and have a little room left over ... but not much. I CAN NOT AFFORD a mortgage payment of {$8300.00}. It is impossible to even suggest it. When I was employed for my old company for 7 years I never made enough money to ever possibly pay an {$8300.00} mortgage, that was BEFORE I lost my job, emptied ALL of my savings, my 401k, both IRA 's, my insurance, even our piggy-bank ( literally our change ) into keeping food on the table and the mortgage paid ... and then the money ran out, I was unable to pay my mortgage, my credit cards, car payments and barely kept food on the table. This is all documented, US Bank has given me confirmed receipt of more info than anyone has ever known on me, they have seen my credit which is now awful ( used to be over XXXX ), seen proof that I emptied all my accounts as just mentioned. I would like to resume making my mortgage payment and I can afford to pay the previous mortgage payment of {$3700.00}. I CAN NOT afford {$8300.00}. If they truly wanted to help me and my family stay in our home they would not suggest {$8300.00}. It seems as though U.S. Bank really want to kick us out of our home. I have not asked for a smaller payment, a change in interest amount, or to forgive missed payments. I have asked the missed payments be added to the back of the loan that way I can continue making the payments of {$3700.00} now, we get to stay in our home, and US Bank does not lose any money or have to go through the Foreclosure process or cause me to file for bankruptcy. I will have to file bankruptcy as I can not afford {$8300.00}, it makes no sense. Thank | ||||||
| 10/19/2016 | Yes |
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| XXXX XXXX, appalled after seeing documentation, insisted this complaint be filed against U.S. Bank for numerous activities. The most recent, puts us at risk of losing our home. U.S.Bank is currently withholding a {$8100.00} insurance escrow, due to us, returned three full payments, holding XXXX more payments in temp.escrow, not applying them to our mortgage, while charging us large late fees, and proceeding with foreclosure. They have denied requests to lower the 6.8 % rate on our FHA loan numerous times.Their policies allowed an unlicensed contractor to scam us as they continued to pay him for substandard work/materials, ones we provided receipts for obtaining ourselves, insisting he was entitled to the contract amount without proof of services. They did not report him for sending them falsified and illegal documents, but instead refused to allow us to fire him, unless him and us sign their completion statement. This caused us to have to use our personal property insurance funds to complete the work on our home while they paid him. The man caused major electrical/wiring issues, risk for further damage or loss due to fire, ran up a large insurance payout, and caused our homeowners ins. policy to be cancelled. The bank obtained a ridiculously costly fourth place ins. policy and continued to bill us for it months after replaced and cancelled. When our mortgage statement finally lowered, XX/XX/XXXX, reflecting the policy cancelled XX/XX/XXXX, we paid the amount on statement, they mailed our payment back and began foreclosure proceedings. We had missed XXXX payments months earlier, in order make urgent repairs to make our home inhabitable and safe, while trying to obtain the escrow meant for these repairs. I am an XXXX, was head of household, but now XXXX, my XXXX, our only income, was not enough for the repairs and mortgage ( over 50 % of income ). We still have XXXX children at home. We have been denied mortgage assistance numerous times since XX/XX/XXXX. My name was left off our deed and mortgage despite we were married almost XXXX years prior. There was no positive reporting to the credit bureaus the first several years of the mortgage, we learned when my husband tried to finance a XXXX I urgently needed.They are now obtaining a credit check on my husband ( the only one on mortgage ), AND MYSELF, sometimes twice in one day, and continue to deny any assistance. One department has no idea what another department is doing, and when we call we are treated rudely, implying we are being dishonest, or referred back and forth between departments.Right now, they are telling us that no attempt to make a payment has been made in seven months, despite us offering to fax them their own documentation to prove otherwise. Our relationship manager, finally listened, and after months of calls, was told that the returned payments were a mistake, and a refund order would be opened.That counselor is no longer employed there, the new one informs me no such order exists or ever existed. We are now in foreclosure process after missing only XXXX payments, which would not have happened if we had he escrow, meant for such repairs, held since XX/XX/XXXX. They have returned three full payments, and are holding XXXX payments in escrow, demanding we pay a higher amount including the cancelled insurance policy we replaced. We continue to accrue late fees, now exceeding {$700.00}. We have provided them with receipts showing we are owed much more than the remaining escrow, which we will now need to be used to correct damages to our home, instead of reimbursment to replace our personal property. TN Dept. of Commerce and Ins. website clearly states the unlicensed " contractor '' broke the law in any ways and was paid money he was not entitled to. We intend to prosecute if offered the chance. U.S. Bank could not only have prevented this, but continues to refuse assist us to correct it | ||||||
| 03/16/2023 | Yes |
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| On XXXX XXXX, 2023 I logged on to the US Bank web site and initiated a payment through their bill payment service to my XXXX XXXX XXXX credit card for {$1300.00}. According to the web site statement data for US Bank, this amount was deducted from my account and was sent to my XXXX XXXX XXXX credit card account as a payment. However in XXXX of 2023, I received my statement from XXXX XXXX XXXX for that same credit card I paid through the US Bank payment portal. According to XXXX XXXX XXXX, they did not receive a payment and were charging me late fees, interest and stating that I still owed the {$1300.00} already deducted from US Bank to pay them. I contacted XXXX XXXX XXXX and was told that they did not have record of receiving my payment and while they would temporarily reverse the late fees, interest charge and principle owed, I needed to contact US Bank and have them send by FAX a transmittal report showing the payment from US Bank to XXXX XXXX XXXX for my account on XXXX XXXX, 2023 for the amount of {$1300.00} which would provide XXXX XXXX XXXX the account information the payment was made from and the account that it was delivered to ( them ) in order to locate the missing funds. XXXX XXXX XXXX was then provided several documents from my US Bank statements showing the payment amount, the US Bank account number and their ( XXXX XXXX XXXX ) account information as the recipient. However, I was told by XXXX XXXX XXXX that this information was insufficient for them to identify and track the payment and that they needed a transmittal report bank to bank and that no other information would relieve me of owning the debt as I could not otherwise prove payment had already been made. I have since called US Bank 7 times ( and while being hung up on three of those times ) succeeded in speaking to a live representative on the other occasions. Finally on XX/XX/2023, after once again explaining to the representative what a transmittal report was and why I needed them to send it to XXXX XXXX XXXX and myself, the representative ( who was uncertain how to handle the request ) elevated my request to her tier 2 representative who began to initiate a dispute. However I again explained to the second representative that I did not need a dispute opened to my knowledge but instead needed someone in the bank with the ability, knowledge and access level to find and fax the transmittal report to XXXX XXXX XXXX. After a lengthy call, I was informed that they had noted my account and placed a request to have a manager call me, which I requested to be done on this upcoming Friday as I would be at work and unavailable to speak with a manager in private at any length until I that time. However, yesterday ( XX/XX/2023 ) I returned home from work to find a message from a US Bank representative who had called and simply stated to call him back with no phone number or name associated. Today, XX/XX/2023, I worked from home in order to be able to make this call back. And after an hour was finally elevated to a manager who would only identify as " XXXX '' who advised me that my account had been commented yesterday with information stating that the US Bank would not or could not provide a transmittal report and because the " dispute '' was closed and confirmed that the funds had been removed from my account with them ( to where I have no idea now ), they considered the matter closed and would take no additional action. I again explained to " Autumn '' the situation and she offered to mail my ( via the USPS ) a statement showing the funds withdrawn from my account but this is not the transmittle report that XXXX XXXX XXXX insists is the only " proof '' they are seeking to show I made payment and that unless I provide a transmittal report I will be stuck repaying the same amount second time, having to pay interest, having to pay late fees and having my APR jacked up to almost 30 %. | ||||||
| 05/26/2016 | Yes |
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| I applied for a home loan from US Bank National Association, XXXX XXXX XXXX, XXXX, CA XXXX, and was wrongfully denied a loan. Less than a year ago, I purchased and moved from a duplex into an excessively large home. It seemed like it might be fun. After being in the very large home for less than a year, it was obvious that this home was not for me. I made a mistake. It is much too big and uncomfortable. It is too much for me to manage. I started looking for a smaller home with a large yard, that would better suit me and my dogs. There were XXXX homes that caught my eye that XXXX had XXXX square foot lots. I put an offer in on XXXX ( the other needed too much work ), but they were asking too much and would n't come down on the price, so the offer was not accepted. About a month later, another property came on the market with a similar lot size. It was advertised as a single family home, even though it was a duplex. I looked at the property and the listing agent went over the aspects of the property and how easily it could be converted into a single family home. It had an amazing view with a huge lot and worked for me. It was perfect! Plus, it was {$200000.00} less than the property that I previously put an offer in on, so that additional money could be used for future work on the property. I submitted all the documentation that was required by the bank and qualified financially, only to find out that I was declined. XXXX XXXX told me, under no uncertain terms, would US Bank provide me with a loan. They ( underwriting ) decided that since my profession is " real estate investor '', that I would not be living in the property. XXXX further stated " he/they did n't believe me and would not give me a loan as I was too high a risk because I was a successful RE Investor and would be buying this property as a rental. '' So, in essence, he/they called me a liar and slandered me. He stated that the property as a duplex was it 's best and most valuable usage. I informed them that it was worth more as a as a single family residence. All they need to do is look at the comparable properties, and I told him that. He disagreed and once again, told me that they decided that I was lying and I was buying this as an income producing property. I would NEVER buy any income property that did not make me money. This property, as an income property, would cost more more than {$150000.00} down and then a minimum of $ XXXX/month, out of my pocket, to have as a rental. How is that in investment? On XXXX hand they tell me that they do n't believe me because " I am a very savvy RE Investor '', then they contradict themselves and state that I would NEVER be purchasing it as a home, but having it as a rental ( at a $ XXXX/month loss ) which would mean that I am absolutely not a savvy RE Investor. In essence, they are discriminating against me for the type of business I am in, which is a legal business, and refused to lend me money based solely on their determination that I would not be living there, and calling me a liar. They can not imagine how any single, XXXX XXXX XXXX woman, with no kids and XXXX dogs, could move from a XXXX square foot home with almost no yard, into a XXXX square foot duplex with a huge yard, and be comfortable. They did n't take into account that I lived in a XXXX square foot duplex before I made the mistake in buying the " mansion ''. I was wrongly accused of being a liar and am penalized for being successful in what I do, real estate investment. This is the ONLY reason used to decline lending me money to purchase a new home. It is unfair and discriminating against me, to not lend me money based on something that they may personally not do. Their personal goals and ambitions ( to live in a mansion ) have nothing to do with mine and they should not be projecting their wishes and desires on me and assuming that they are my wishes and desires. IT IS WRONG!!! | ||||||
| 06/12/2023 | Yes |
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| On XX/XX/XXXX I noticed a transaction in my banking account that stated " Return from deposit '' with a withdrawal amount of {$1900.00}. I called my local bank, US Bank, and they were able to inform me that there was a check that was cashed in my husbands name on XX/XX/XXXX. Then on XX/XX/XXXX the person who wrote that check issued a stop payment. So, that money was then deducted from my checking account. This check was cashed against my account in a town that is at least 4 hours away from where we live, in the same state. I was advised by my local bank to contact the fraud center, which is a 24 hour service, so at around XXXX XXXX., I contacted the fraud center. The initial person I spoke with, XXXX, had me on hold for 50 minutes before disconnecting my call. When I called back, I got another representative, XXXX, he was able to give me claim XXXX XXXX He told me that within 48 hours I would receive the {$1900.00} back in my account as a provisional. I called back again on Monday, XX/XX/XXXX and spoke with XXXX. She told me that the previous representative should not have told me that we would receive a provisional as that normally does not occur until the investigation has begun. I then asked to speak with the supervisor and she was able to have XXXX call me back. When I spoke with XXXX, she was finally able to realize what had happened with the account, so she kept the claim open. She advised that we close our bank account as we were afraid that my husband 's identity had been compromised. I was able to call my local bank again and spoke with XXXX. She was able to get us into the office that day to get our account closed and to open a new account. She was also able to get the outstanding checks that we had moved over to the new account as well as my pay check, which is direct deposit. XXXX also printed out the forms that needed to be filled out and signed so that we could start our process quicker. The forms were also mailed to us from the fraud center. We filled out the forms that night at home and I returned the following day, XX/XX/XXXX, to have XXXX fax the forms for us back to the fraud department. I called the fraud department again on XX/XX/XXXX and spoke with XXXX. She told me that the account was noted on XX/XX/XXXX as having received the documents faxed. I was advised to call back on XX/XX/XXXX or XX/XX/XXXX to ensure that nothing additional was needed. I did call back to the fraud center on XX/XX/XXXX and was advised that nothing additional was needed at that time. On XX/XX/XXXX, we received a letter in the mail indicating that one of the forms was filled out incorrectly and needed to be filled out again. This time the document needed to be completed by my husband. They did not let us know this to begin with, so we thought it was ok for me to fill everything out. They should have advised us of that at that time, but they did not. I returned to the bank on Tuesday, XX/XX/XXXX and showed the paper to XXXX to have her fax it back into the fraud office. I again called the fraud department on XX/XX/XXXX and was told that the updated document had been received and was attached to my claim on that day. I am not receiving follow ups from the fraud center while this investigation is taking place. The only communication is when I call them. I'm confused as to why we never received a provisional amount back into our checking account. I was told this could take 2-3 weeks to be resolved, but it has been much longer than that. It has been 7 weeks as of Friday, XX/XX/XXXX. This is unacceptable. I have had to sell stock to ensure that I have money in place to cover our bills and necessities for daily living. We have not done anything wrong and have followed their guidelines and given them the information that's required in a timely manner. Any help that you can provide with resolving this issue between us and US Bank would be greatly appreciated. | ||||||
| 07/29/2016 | Yes |
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| I began a Mortgage Relief application process XX/XX/XXXX, with US Bank, but, as you will see in the attached documents, the review did not begin, until XXXX, XXXX. Because I did not want to retain the property, I was told that my first relief option was to apply for a short sale, which included listing the property until XXXX XXXX, XXXX, and then, if it did not sell, it would be reviewed for a deed-in-lieu. ( see attached emails from US Bank employee XXXX XXXX. ) I listed the property, and there were no offers. During the time it was listed, I had phone contact with my US Bank relationship manager, XXXX XXXX, and, when I could not reach him, I spoke with other relationship managers, which is an option when a consumer calls and the assigned manager is not available. Each and every time I called, I asked about the eventual option for a deed in lieu, and, if there were other paperwork that I needed to file, or anything else that was required from me. I was told that the short sale process had to be allowed to run its course, before any review for a deed in lieu could commence. On or about XXXX/XXXX/XXXX, my realtor received an email communication from US Bank Employee XXXX XXXX, asking THE REALTOR if I was interested in a deed in lieu, and that I needed to respond to XXXX XXXX in a letter, which the realtor passed on to me. I immediately responded both by email and letter, that I wanted to pursue a deed in lieu, and asking what I needed to do, if anything. I never received any replies, so I continued to call my relationship manager. I was told that once the short sale process was finished ( XXXX XXXX ) that the review for deed in lieu would commence, which is, again, consistent with what I was told by XXXX XXXX. The most recent phone conversation I had with a relationship manager was on XXXX XXXX. I called to find out what was happening, and XXXX XXXX was not available, so I spoke with a relationship manager, " XXXX. '' She was very clear in confirming that the property was in process for deed in lieu review, and that it could take up to 90 days from the date of the end of the short sale process to get through this, but, she assured me that there was nothing further needed from me. I SPECIFICALLY asked her to PLEASE MAKE A NOTE IN MY FILE that I had called, asking about the deed in lieu process, and if there was anything further needed from me, and what she had told me. She absolutely assured me that she always noted client calls, and these are recorded, as well. The denial letter I received on XXXX/XXXX/XXXX states that a deed in lieu was " NOT CONSIDERED '' because I was " NOT INTERESTED. '' I am stunned and very, very upset that this has somehow occurred! As you will see by my attached emails and letters, this is definitely not the case. Upon receiving the letter on XX/XX/XXXX, I immediately called XXXX XXXX, who was not available, so I spoke with another relationship manager. This woman told me that the letter did not mean that I had been denied for a deed in lieu, only that I needed to " REAPPLY. '' I told her that I felt that was ludicrous, after all of the emails and letters that I had exchanged with US Bank, which confirmed that I was already being considered for a deed in lieu.. I asked to speak with a supervisor. The supervisor told me something totally different from the manager. He stated that I was simply being foreclosed upon because I " missed the deadline '' to apply for a deed in lieu!!! I explained that no one had told me anything about having to apply for a deed in lieu, in fact, I had been told that the deed in lieu review was in process!! On XX/XX/XXXX, I called again and spoke with another supervisor, who informed that I had missed the deadline to apply, of XXXX XXXX, XXXX. THIS DATE WAS PRIOR TO ORIGINAL APPLICATION FOR RELIEF BEING ACCEPTED, so there is no way I could have applied for a deed in lieu before then! ( See att. ) | ||||||
| 08/22/2016 | Yes |
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| This is a follow-up complaint to an original complaint filed in XXXX and listed as case # XXXX. Upon submission of that complaint, U.S. Bank, the target of the complaint, replied back to the CFPB that the banks servicing agent, XXXX, was who the complaint should have been directed to, and after a phone from the CFPB to authorize the change to XXXX, I agreed with that new direction. However, I 've since received a letter ( attached ) from U.S. Bank that sheds new light on the ongoing fraud. In short, as part of that original complaint, U.S. Bank, as the successor trustee to XXXX XXXX XXXX, now admits that the Trust itself owns my Note and Mortgage, not the trustee, which is XXXX degrees contrary to the legal position that XXXX XXXX XXXX, and now by its role as successor trustee U.S. Bank took 11 years years ago to fraudulently file a Complaint in Foreclosure against my wife and I, and then to steadfastly defend the original lie through multiple court actions spanning more than a decade of legal disputes. It also contradicts the position that U.S. Bank 's own servicer recently stated in the attached letter. The core of the matter is that the original complaint that was filed by trustee XXXX Bank, which then was allegedly acquired by XXXX XXXX XXXX during the course of the litigation, stated in the court filings that it was the 'Owner and holder ' of the promissory Note involving my home loan, when we now know 11 years later that legal position was then and is now a complete and total fabrication in a fraudulent attempt to illegally foreclose on my house. While I admire U.S. Bank for finally admitting the ruse is up, the issue can not be swept under the rug, and the buck can not be passed to their servicer, XXXX Under the terms of the Consent Decree with the Comptroller of the Currency that that U.S. Bank signed in XXXX, the bank was required to take certain steps to ensure, among other stipulations, that under Article IV of the Decree, the bank must have : ( b ) processes to ensure that all factual assertions made in pleadings, declarations, affidavits, or other sworn statements filed by or on behalf of the Bank are accurate, complete, and reliable ; and that affidavits and declarations are based on personal knowledge or a review of the Bank 's books and records when the affidavit or declaration so states ; ( d ) processes to review and approve standardized affidavits and declarations for each jurisdiction in which the Bank files foreclosure actions to ensure compliance with applicable laws, rules and court procedures ; ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage-backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; However, its now clear based on the attached letter from U.S. Bank that at the time it filed on XXXX XXXX, XXXX an 'Alias Praecipe ' for sale authorizing XXXX XXXX Sheriff to sell my home at a sheriff 's sale, that the bank knew or should have known that the ownership of the note and mortgage was not alignment with the original summary judgment in foreclosure ( see attached ), and the Affidavit was not made with personal knowledge ( attached ) since it named my wife on the Note even though she 's not, and as a result, should not have submitted the Praecipe to XXXX XXXX Court since that very act constitutes a breach of the Consent Decree, violates Federal law, and is prima facie evidence of fraud upon the court. | ||||||
| 10/09/2015 | Yes |
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| I have been attempting to resolve a dispute with US Bank directly and via third party mediation for consumer protections because US Bank to this date has generated fraud with a checking account that goes to me personally and is used partly for personal purposes, that they refuse to comply with dispute requirements and keep generating a different false claim regarding to the point of stalking me personally with the up to XXXX a day contact from US Bank or third persons contacted by US Bank with a different false claim from the prior list. All the claims have in common is a demand that cash only be delivered to a XXXX XXXX XXXX of the XXXX XXXX IL US Bank location who per the documentation is also reasonably expected not to credit the account if I did, and the amounts and other demands have not been made in an invoicing or other specific document requesting payment by amount. Payment by deposit to the account was blocked from the outset on XXXX/XXXX/15. The account had overdraft protection with a credit card I paid and closed.9/5/15 due to the continual harassment and that US Bank keeps XXXX XXXX many different stories and claims that its impossible to pursue consumer credit dispute. Because US Bank continues to generate different false claims which makes it impossible as intended to pursue dispute externally. I attempted to pursue a dispute with ChexSystems immediately but the claims of US Bank keep changing and the flood of paperwork with all those claims is something snowing everybody and so we can not pursue dispute with credit reporting agencies. US Bank in fact reported the account as closed " for suspected financial irregularities '' to ChexSystems long before the account was closed, within a week or so of the XXXX/XXXX/15 manual adjustment, and while I was attempting to resolve the dispute through even XXXX persons. They have now charged off the account amounts which goes to me personally, while I have attempted dispute via CFPB or the BBB of MN. This action was announced to the BBB MN as how they responded to attempting to resolve the dispute. At this time in midOctober of 2015, US Bank has failed to issue any claim about this dispute it has n't changed immediately again starting with the original false claims of XXXX/XXXX/15. I have never met XXXX XXXX XXXX, do not live in XXXX XXXX IL, and did no business with that local branch whose ATM never worked either, forcing DepositPoint and otherwise depositing checks in working ATMs elsewhere. She has falsely claimed otherwise to US Bank, and is pursuing me personally and externally so massively repetitively that she is and continues to shut down operations, interfere with health care, and wipe out my personal life snowing with this fraudelently created debt that has been already reported everywhere possible externally as the only agenda US Bank has pursued, starting to do so within 7 days. Without presenting a single coherent claim about this dispute about a single check that cleared the bank XXXX in 3-5 days after it was deposited, and per DepositPoint records was deposited productively once. The employees involved keep trying to block me from payments and block deposits, which as an issue only the maker of the checks has the right to raise. They keep falsely claiming to " represent '' people I have regular near daily contact with. I then can not pursue even paying the dispute, and the persons who opened this are continuing to go after me personally financially and otherwise. My credit is being destroyed. I have no personal or other consumer rights I can pursue because US Bank continues to change its story and conduct this " dispute '' as the libel and vandalism and fraud entertainment of the century. I am also being buried alive as a person attempting to resolve the debt since XXXX/XXXX/15 harassed so severely its become dangerous to safety personally. | ||||||
| 03/31/2016 | Yes |
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| Hello, I am asking that you investigate this promptly, as the recorded conversation ( s ) related to the issue are key and I do n't know how long they are kept beforebeing destroyed. This is in regard to my U.S. Bank XXXX ( ending in XXXX ). On XXXX/XXXX/16, I called customer service, explaining that I needed to pay XXXX of my credit card bills late and I wanted to be strategic and choose the XXXX that would be least consequential. The representative, XXXX ( employee ID XXXX XXXX did everything he could to put my mind at ease. He told me that any late fee would be reversed that I would n't even have to call to request it, it would happen automatically ( and it did ). If you listen to the recording, please note not just the content, but his tone - he really wanted to make me feel comfortable with choosing this as the bill to pay late. What XXXX did not inform me of was that my account was going to be frozen so that I could n't use it ( at only five days past due?! ), but more importantly, that my APR was going to jump XXXX points from 12.24 % to a whopping 19.24 %!! Does this sound like the bill I would have chosen to pay late had I any idea such a thing could happen?! I was never even made aware of this excessive APR increase until after I made approximately $ XXXX worth of purchases at that rate!! In my attempts to resolve this, I was put in touch with a XXXX XXXX, an accounts manager. I asked why I was not made aware of the APR increase in advance as I should have been, so I could have chosen not to make any further purchases at such a high rate of interest. She said a letter was sent to me to that effect. I told her I never received it and asked what date the letter was generated. She could not give me a date and seemed very vague, only able to give me a range as to when it was sent. In any case, the vague date range she gave me came AFTER the raised APR was put into effect, so how could I have been given the choice to opt out if it already happened?! I also asked if she could send me a copy of the letter that was allegedly sent and she said she has no way of duplicating it, that it was no longer in the system. In other wrods, she had no evidence of any type that such a letter was sent out or even existed. I realize you only have my word that I was never given the heads up about the APR increase, but given the blatant negligence displayed in their record keeping ( PLEASE listen the recordings ) - no date, no copy to show me - I should be given the benefit of the doubt that I never received the letter. The only way I found out about the shocking increase was when my bill came and I saw that a portion of the interest had been calculated at 19.24 %. Why in my right mind would I make {$1500.00} worth of transactions at a 19.24 % APR when I could have used my XXXX with a 13 % APR instead?! ( and if it was my XXXX that I chose to pay late instead of this XXXX, I would n't be in this situation now! ). I would like to mention a different issue I had with this samebank last summer. I was told by XXXX of the reps that I could use the reward points I accumulated to satisfy my minimum payment due that month and was told that I could. So what happened as a result? The payment I made via the use of those rewards did not satisfy the minimum payment due and I was charged a late fee. After much hassle, they conceded that I was misinformed and they made things right ( thank XXXX for those recorded conversations! ). Although that was resolved without the type of outside help I am now seeking from you, I bring it up only to illustrate a pattern this bank has of misleading their customers, in ways that can have dire consequences. I insist that my APR be reverted back to the 12.24 % it has always been at, or at the least, that it be retroactively applied to the purchases made since the increase, since I was never made aware of it. Thank you, XXXX XXXX | ||||||
| 11/07/2015 | Yes |
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| Listed, was the last person I have spoken to regarding this issue : I purchased my home XX/XX/XXXX. XX/XX/XXXX I was advised ( by my company ) that there would be a massive layoff. I contacted US Bank to advise and asked if I could get a 2-3 month forbearance, given the circumstance. I was denied. I was told that I could do a modification. I lost my job, but found another one within a couple of months. I started the modification process. I was already behind in my mortgage by a few months. I was laid off from that second job after a few months, but I think I was already in the modification process. I found a new job ( which is where I 'm at to this day ). I always remained in contact with my Customer Relationship Manager to advise where I was with my situation. He advised that he was noting my account. When I wanted to start making payments ( as it had been several months ), I was advised that they would not accept my money unless it was the entire amount ( or nothing ) and transferred to a different department. I was short less than {$200.00}, but I was advised that if I sent it, even wired it, that it would be sent back and I would be charged the wiring fees. Nobody would help me get back on track ... not ONE person. I believed at that time that the bank was just trying to foreclose on their house. I had even gone down to the bank in person to see how I could fix this without my losing the house. I got no assistance as soon as they logged in and saw my account, I was given a phone number to call. The phone numbers always took me back to the same department. Not long after that, I started receiving notices in the mail from the bank 's attorney to start foreclosure proceedings. I called them, never getting to speak with him, but left many messages. I called the bank, who referred me back to the attorney. I was advised that I might want to seek counsel. I got an attorney, and ultimately had to file Ch XXXX bankruptcy just a day or XXXX before my house was to be sold at auction. I was finally granted a modification, but the bank added $ XXXX to my mortgage. I called to get answers, but no one would help me. I was advised that the only way they would be able to assist is if I signed the mod agreement. Otherwise, they could n't assist. Since then, they have NOT assisted, but completely ignored this. I 've called on this since the modification was signed. I was always transferred to someone or a voicemail, where no one would answer my questions or return my call. What they did was sent $ XXXX to the BK Trustee for me to pay ( which I have ), then tacked on interest and other fees ( $ XXXX XXXX onto my mortgage. Nobody will correct this. I keep telling them that this is not ok nor is it right. I spoke with a Customer Relationship Manager yesterday whom would not only allow me speak with his or a manager, but firmly told me that there was nothing that could be done with this account. I am livid beyond words. This has been 4+ years dealing with this and I am getting no response or assistance. Please tell me you can help me. I contacted XXXX and they provided me with your information. I plan to contact every agency possible. At minimum, I 'm asking that US Bank to not ONLY remove that $ XXXX from my account, but also apply all of the money that they have received from the Trustee to be applied to the principal of my account to make it right. Please tell me you can help me with this. I 'm a single mother whose grown extremely exhausted from all of the doors being slammed in her face. I still have the letter that I sent to US Bank Execs when I was tired of the run-around when trying to get the modification in the first place. Soon after, I got the mod. They did not get a right of rescission. They did not take ANY of my calls until well after a week that I 'd signed and they received. First, they said they never received it. I need help! | ||||||
| 08/18/2015 | Yes |
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| I have a secured credit card through Elan Financial Services ( EFS ), which has a balance of {$300.00} with a security savings account attached to it holding {$500.00}. In XXXX I contacted EFS to inquire about closing this account. The first problem I had was with the Customer Service Representative ( CSR ). She acted like she did n't want to be bothered and kept answering my questions with XXXX word answers. Since she would n't elaborate in her answering I had to ask many questions, for which she sounded like she was getting frustrated with me. At the end of the conversation, what I knew was that they would close the account, use the money in the savings to pay the balance on the card and refund me the difference. She said I would need to wait XXXX billing cycles to receive the refund. On XXXX XXXX, I signed into my online account, as I periodically check all my online accounts to make sure nothing fraudulently is taking place. I saw my account was showing past due for the XXXX payment and they had charged my account a {$30.00} late fee. I immediately called to inquire and explained that I had closed the account. My encounter with this CSR was not much better than the first. Her response was, " of course you had to make a payment you had a balance ''. Of course I know that with a regular credit card, if you have a balance you have to keep making payments until it 's paid off, but in this case I was specifically told that the balance on this card was going to be paid from the savings account. The CSR agreed to refund the late fee. I immediately went on the website to make the payment but in my panic of now being late I set the payment to be made from an account with insufficient funds. It was n't until XXXX XXXX when I received a NSF notice from the bank that I tried to make the payment from that I realized the payment did n't go through and the bank was charging me {$60.00} in NSF fees, EFS was charging me a {$25.00} returned payment fee. On XXXX XXXX I called EFS again. This time the the CSR was so rude that I actually started yelling and asked to speak to a manager. She said ok and then cut me off. I called right back and asked to speak to a manager. Sadly enough the manager was just as rude as the CSR and after going back and forth I said " so you are n't going to help me '', he said " well what do you want '', I said " I would like the returned payment fee waived ''. He said we already waived the late fee and you were the one who set up the payment to be from your bank. There had been some confusion on my part as to whether the payment I set up was coming out of the secured savings account or the savings with my bank. Both of which together with the card was opened through XXXX XXXX. In the end, I spoke to someone at XXXX and they did waive the {$60.00}, but EFS would not refund the {$25.00}. My complaint here is not in regard to the fees but with the way I was treated by EFS. I have never in my life dealt with people at a financial institution that spoke to me so unprofessionally and so disrespectfully. I feel that if the first CSR had been the least bit helpful none of this would have happened. I pride myself on making my payments on time and in this case when I found out the payment was late I acted immediately. I called, tried to make a payment and then tried to rectify the situation. I did everything possible to do the right thing and all I got in return were people treating me in way that actually made me feel violated and sick to my stomach. In the end I asked the supervisor who the bank 's regulatory authority was and in a very nasty and condescending manor said " the same as every other bank, the federal government '', but he could n't name the agency. It 's sad when a consumer knows more than a banking supervisor. No one deserves to be treated or spoken to in the way I was and they should n't be allowed to get away with it. | ||||||
| 11/13/2016 | Yes |
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| while on vacation XXXX fraudulent mobile deposits were made to my account. while out of town went to use my debit card only to find it had been deactivated by US Bank. When i contacted the bank to see why my card was being declined when my payroll check had just been direct deposited the day I left. The response I got was " have i made any deposits recently? '' Yes my payroll check was direct deposited on XXXX/XXXX/16 and gave them the amt. the person on phone said ok that looks right your card will be active in the morning. I asked why this had happened and why i had to wait until morning response " i guess they just questioned the deposit but since its payroll you are fine why wait til the next day he said because we have to process this request. I never got a straight answer and being out of town was not helping me either. They never once said one thing about the mobile deposits not if i knew about them or if i had given permission nothing. Next day - I try to use my Debit card again it was declined. called again to the bank they switched me to the fraud division still not understanding why nor has anyone mentioned the mobile dep. yet. the man in the fraud div asked me my name security questions to which i answered. He then said what seems to be the problem? I told him i was on vacation and I tried to use my debit card but it says declined. He also said have I made any deposits? I told him yes DD of my payroll check the date and amt. he said yes he see that transaction. then why cant i use my card. he said he saw no reason for them to have deactivated my card and he would reinstate it right away. Still never once saying anything at all about the mobile deps further more i never got one alert telling me anything at all not one. still no use of the debit card every time i called which was several times a day the response was the same. they saw no reason for the card not to work. The whole entire time I was on vacation did not have use of my debit card or my money and still unaware of the fraudulent activity going on. i returned 4 days later when i got home the mail was there i found a letter from US Bank with a copy of XXXX of the XXXX fraudlent checks that had been mobile deposited into my account. also upon my return my account had been closed without my knowledge therefore i had no way of looking at my account to see what had transpired. i called US Bank again and reported this to them they didnt seem to have a reaction to my complaint about the checks or closure of my account or the fact that i was never told any of this was happening. the only thing they said was we will send you out the papers to fill out return them by fax and gave the number we will start the investigation. I did that right away only to not hear anything for weeks each time I called i never got past the girl who answered the phone Finally after getting angry going into the third week with no bank account and several of my creditors calling me angry that they could not get their payments per signed contracts even tho i paid them in cash. the bank calling me telling me i was overdrawn and me telling them that i had a fraud case on going ( apparently the bank & fraud div do not speak ) I was told they never received the papers to which i lost my cool why was i not informed of this. they didnt know but send them back in again. i did only this time i took them to the branch and had them fax it in. Do you know that this started XXXX 2016 and it is XXXX 2016 and it is worse then ever not only the XXXX bad checks but a debit of a sizeable amt was taken out of my account by the XXXX where we stayed the day i left to fly home. how i am still not clear since my debit card was inactive i could not get an XXXX off of it but somehow they did. now i am being asked to pay that back which i will not do it is not mine to pay. US Bank has ruined my credit/ no acct, they dont care. | ||||||
| 10/29/2016 | Yes |
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| US Bank, whom I previously banked with for XXXX, has turned me into collections for overdraft ( OD ) fees to the tune of {$660.00}. I have proof of US Bank 's mistake where it all started. This proof is a screen shot I obtained when I was online trying to figure out what happened. US Bank has a sneaky way of confusing you when you check your balances online. I caught their discrepancy when I hovered my mouse over the icon to determine my account balance. You have to take this extra step to see your actual account balance. The banks lame explanation for this is that " there are xxxx balances ''. xxx is the account balance and xxx is the ledger balance. This is confusing and is their deceptive way of generating overdraft fees. The attachment which I screened shot from my online checking account is proof of how they do this plus the OD charge of {$36.00} that was incurred. You will notice when the check was paid, there was still a balance, however, US Bank charged me as if there was not enough to cover the check and this Is where it all snowballed with OD Fees. I spoke to XXXX with US Bank about the first {$36.00} OD fee and she refused to waive the charge. I also spoke to XXXX with US Bank on XX/XX/XXXX @ XXXX AM and she said, " the most you will be charged is {$390.00} for OD Fees because there are XXXX transactions to soon hit the books with a {$36.00} each charge for OD Fees. '' I asked again, will there be any other charges after this {$390.00} total for OD Fees because there should not be any other transactions on my account. She said, " NO ''. What I discovered that day was my son was using my debit card and did not realize the account was in the negative. XXXX said I can press charges on my son to get reimbursed for the fees. I told her there is no way I would do that to my son. I disputed the amount for OD Fees of {$660.00} and received bank statements. Bottom line, US Bank has recovered all that was paid from my bank deposits. In other words, US Bank is out nothing except their alleged {$660.00} which is strictly OD, extended OD, & closed account Fees! This is outrageous and the government needs to stop the banks from stealing from those that are struggling to keep food on the table. The banks cried and received their bailout money from the government. Now the banks are XXXX 's richer than when the economy crashed in XX/XX/XXXX-XX/XX/XXXX. The banks are why the housing market crashed yet the banks was bailed out for their extortion, fraud, deceiving from their customers but they are allowed to continue to charge their customers these outrageous fees! US Bank now wants to start charging for my sons XXXX account monthly fees because it does not meet their XXXX Account criteria since I moved my checking account. I spoke to XXXX XXXX XXXX on XX/XX/XXXX @ XXXX pm to close that XXXX account & he said, " there is a XXXX signer before processing hold since XX/XX/XXXX ''. He also stated he never seen this type of transaction. This stems from US bank arbitrarily changing my sons XXXX account that was their mistake. For some reason US Bank took my sons ( still a minor at the time and was a custodian savings acct ) savings account from the connection to my account which was the XXXX XXXX. Then US bank charged me $ XXXX processing fee and it was not discovered till I received a letter from the Bank stating the Savings was in a $ XXXX balance and if I do not deposit they will charge a {$25.00} fee. I put {$30.00} in his savings account prior to this change US Bank made. So, once again, US Bank stole {$30.00} from my young child 's savings account and refused to credit all but {$4.00}. I even spoke to a supervisor who agreed to the {$4.00} credit but that was all. US Bank then associated my sons savings account to the XXXX plan yet I 'm being penalized with this verify signer hold? I think not & never received anything from them in this regards! | ||||||
| 06/02/2016 | Yes |
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| CALLED THE CSR ON SATURDAY XXXX DUE TO ( XXXX ) POSTED OVERDRAFT CHARGES FOR {$36.00} THAT WERE REFERENCING POSTED AMOUNTS THAT WERE IN THE POSITIVE STATUS. SHE EXPLAINED THAT IT WAS DUE TO THE PENDING ITEMS PRE-AUTHORIZATION FOR XXXX ( GROCERIES ) ON XXXX {$190.00} @ AROUND XXXX CDT AND PRE-AUTHORIZATION FOR XXXX ( GAS ) XXXX FOR {$1.00}. BOTH ITEMS WERE PENDING ON SATURDAY XXXX WHEN I SPOKE TO THE CSR @ XXXX IN THE AFTERNOON. THE FIRST ISSUE IS THAT THE ( XXXX ) PENDING CHARGES MENTIONED POSTED ON TUESDAY, XXXX WITH A DATE OF FRIDAY, XXXX WHICH IS A DAY BEFORE I INITIAL CALL ON SATURDAY, XXXX QUESTIONING THE O/D FEES. ON THE XXXX, THE XXXX TRANSACTIONS WERE STILL IN A PENDING STATUS. THE INITIAL CSR THAT I SPOKE WITH REVERSED THE O/D FEES AFTER REVIEWING THE ITEMS AND SHE SAW THAT A {$200.00} CASH DEPOSIT WAS MADE INSIDE THE BRANCH ON SATURDAY XXXX. I TOLD HER ALSO DURING THE CONVERSATION THAT WOULD GLADLY GO AND MAKE AN ADDITIONAL DEPOSIT THAT DAY, BUT SHE STATED THERE WAS NO NEED SINCE SHE WAS REVERSING THE O/D FEES AND IT WOULD POST IMMEDIATELY. THE SECOND ISSUE IS THAT THE O/D FEES WERE APPLIED TO A BILL THAT WAS PRE-AUTHORIZED ON WEDNESDAY, XXXX, AND XXXX XXXX XXXX ACH BILL THAT POSTED TO THE ACCOUNT AT XXXX XXXX. THIRD, THE US BANK ALERTS DID NOT INDICATE THE {$190.00} UNTIL XXXX @ XXXX CDT, WHICH STATES TRANS DATE : XXXX, TRANS AMT. {$190.00} AND O/D FEE TRANS DATE : XXXX TRANS AMT {$36.00}, TRANS DATE : XXXX, TRANS AMT., {$39.00}, TRANS DATE : XXXX, TRANS AMT : {$36.00}. FOURTH, I HAD TO RESEARCH TO FIND OUT HOW TO OPT OUT, NO ONE OFFERED IT AND I OTHER THAN THE 1ST REPRESENTATIVE, NO ONE WANTED TO LOOK INTO THE DISCREPANCY WITH THE PENDING XXXX ITEMS PENDING ON SATURDAY XXXX BUT HAVING A POST DATE OF XXXX ON TUESDAY XXXX. FIFTH, AND A TELLER CASH DEPOSIT ON XXXX OF {$200.00} WAS IN PENDING STATUS ON TUESDAY XXXX @ XXXX CDT, BUT THE XXXX O/D PAID FEES HAVE POSTED BEFORE THE ( XXXX ) PENDING TRANSACTIONS, {$190.00} AND {$1.00}, IN WHICH THE ALERTS REFERENCED THE FOR TRANSACTIONS MENTIONED ON XXXX @ XXXX CDT. ONLY THE O/D FEES POSTED ON THE XXXX, THE ASSOCIATED TRANSACTIONS WERE STILL IN PENDING STATUS ON XXXX. FINALLY, ON THE XXXX I SPOKE WITH THE CSRs XXXX AND I ASKED TO SPEAK WITH A MANAGER AND AFTER A 10MIN WAIT I WAS TRANSFERRED TO XXXX. MY REQUEST TO BE TRANSFERRED TO A MANAGER WAS DUE TO THE FACT THAT XXXX WAS RUDE AND DID NOT RESEARCH ANYTHING ON MY BEHALF. AFTER EXPLAINING MYSELF AND GOING OVER ... AND OVER.. AND OVER AGAIN AND AGAIN WHAT WAS GOING WITH MY ACCOUNT ; HIS RESPONSE WAS THAT I SHOULD NOT HAVE SPENT MONEY THAT I DID N'T HAVE EVEN AFTER I EXPLAINED THAT IT WAS AN EMERGENCY TO HELP SOMEONE IN MY TOWN AND I WAS REIMBURSED THE {$200.00} CASH DEPOSIT ON SATURDAY. TRANSFERRED TO XXXX ; AGAIN I HAD TO EXPLAIN EVERYTHING ALL OVER AGAIN, NO ONE RESEARCHED MY ACCOUNT READ MY NOTES, I HAD TO GIVE THEM THE INFORMATION, AND NO ONE COULD TELL ME THE NAME OF THE YOUNG LADY THAT ASSISTED ME ON XXXX. NO ONE WANTED TO VERIFY ANYTHING. I ASKED XXXX WHAT IS THE PURPOSE OF THE PENDING STATUS IF IT DOES NOT ALLOW YOU THE OPPORTUNITY TO MAKE A DEPOSIT ON THE PENDING ITEMS, BUT IF IT IS PENDING AND IT TAKES YOUR ACCOUNT IN THE NEGATIVE THERE IS A FEE ACCESSED. HER REPLY : THE PENDING STATUS IS FOR THE MERCHANTS TO MAKE SURE THAT THEY GET THEIR MONEY, AND TO GIVE THE MERCHANTS 3 BUSINESS DAYS TO RECONCILE THEIR TRANSACTIONS. MY RESPONSE : SO THE PENDING STATUS IS NOT FOR THE CUSTOMERS. SHE ALSO STATED THAT PRE-AUTHORIZED CHARGES WOULD AUTOMATICALLY GENERATE A FEE IF IT GOES INTO THE NEGATIVE AND ANYTHING PENDING THAT HAS NOT POSTED WILL GENERATE AN ADDITIONAL FEE. CSR XXXX OR XXXX I SPOKE WITH XXXX RESTATED THE SAME THING ABOUT POSTED AND OVERDRAFT FEES, I READ THE CONSUMER ACCOUNT AGREEMENT, AND THERE IS NO EVIDENCE THAT I CAN SEE THAT US BANK IS FOLLOWING THE INFORMATION CONTAINED IN THE ACCOUNT AGREEMENT. I EVEN ASKED | ||||||
| 07/13/2022 | Yes |
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| I had been working with U.S. Bank Financial Advisor XXXX XXXX XXXX XXXX in Settle, WA. to assist in investing my nearly {$400000.00} in death benefits inheritance money from my husband 's recent suicide death. As part of this relationship, I was also assigned a Private Client Banker, XXXX XXXX XXXX XXXX, who would assist with concierge banking services on my checking accounts and other consumer products. XXXX XXXX initially invested {$90000.00} into CDs and was assisting me in investing the remainder in other investment products with U.S. Bank. On or around XX/XX/2022, XXXX XXXX had requested I visit him in his branch to sign investment paperwork that would allow him to take over as my financial advisor and to officially open my CD accounts. We agreed to meet at a time that was convenient for me since I was still preoccupied with settling my late husband 's affairs, and we nailed down a time of XXXX on XX/XX/XXXX for me to stop in and sign the paperwork. On this day, XXXX XXXX and I had a verbal disagreement about him calling me and interrupting me as I was selecting an urn for my husband 's ashes and while I was in traffic. I became frustrated with XXXX XXXX 's pressuring sales tactics to have me sign documents to open up accounts that would, to the best of my understanding, give him the sales credit and take over managing my wealth portfolio, thus giving him internal sales credit and commission by pressuring me to sign the documents. As a result, I terminated the phone call in light of feeling pressured and overwhelmed by XXXX XXXX 's conduct. On XX/XX/XXXX, I met with XXXX XXXX in-person and signed the documents he requested. Only after signing the documents did XXXX XXXX bring up the phone call from the prior day and gave me an ultimatum : He and I could work together in a strained relationship ; I transfer management of my accounts to the bank 's XXXX XXXX XXXX ; or I could take my money elsewhere to another bank. Upon receiving this ultimatum, I e-mailed XXXX XXXX the same day and asked that he transfer my investment accounts to the XXXX XXXX XXXX. XXXX XXXX did not reply to this e-mail and did not transfer my investments -- thus, my money went uninvested, and I potentially lost out on gains and profits from my invested funds with U.S. Bank as a direct result of, what I believe, was retaliation by XXXX XXXX. I made a documented, verbal complaint to U.S. Bank and was assured there would be follow up ; I received no follow up, though my accounts had been transferred to the XXXX XXXX XXXX. I also had an $ XXXX wire transfer into my checking account that went uninvested because of XXXX XXXX XXXX thus again potentially causing me to lose even more gains and profits on uninvested funds. XXXX XXXX has still been listed as my Private Client Banker, so on XX/XX/XXXX, I reached out to him regarding a credit card offer I received specific to me and which required me to apply directly through a Private Client Banker. XXXX XXXX did not reply to or acknowledge this e-mail. On XX/XX/XXXX, I again e-mailed XXXX XXXX asking if he was the appropriate person to help me with my credit card offer concern. He left me a voicemail and e-mail this same day that said he would only help me if absolutely necessary, because he and XXXX XXXX are a team, but that they were finding me a long-term team to assist me, but this could take a while. I filed another formal, verbal complaint with U.S. Bank, this time for retaliation and discrimination against me for me filing good-faith complaints against XXXX XXXX and for leaving my money uninvested and potentially losing out on profits as a result of both XXXX XXXX 's and XXXX XXXX 's XXXX. Approximately XXXX PST this same day, XXXX XXXX left me another voicemail to state he had looked into the credit card offer and could now help me. These events are discrimination, retaliation and caused me undue financial loss. | ||||||
| 07/12/2018 | Yes |
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| I have concern about an increasing Reserve Line Credit fee charged to my account originally at around {$1300.00} that has been lowered to {$880.00}. Due to the interest that has accumulated on the fee, my {$25.00} minimum monthly payment towards the Reserve Line has been nothing short of futile as Ive unknowingly and unwillingly continue to pay these advances, even though I never applied for such credit and my local branch could not locate a document containing a signage agreement. After two years in and out of numerous US Bank branches and numerous hours on the phone with representatives, not one US Bank employee could inform me where these fees were coming from. After being redirected countless times by numerous US Bank branches and over-the-phone attendants ; it was assumed the Reserve Line Credit accumulated due to numerous over-drawings of my account. One supervisor at the US Bank in XXXX, Kentucky offered me a {$45.00} incentive while he would review my account statements and inform me of the results later by phone, a phone call in which I never received. It seemed more like a bribe to keep quiet until my problem was given to the next representative, and a scolding from an over-the-phone employee stating that if I didnt pay the fee it would go into default and I would face legal ramifications. It became evident that I would have to explore the issue myself, and after intense speculation Ive came to the conclusion that US Bank systemically is allowing unwarranted banking fees for personal gain or a systematic error caused an opening of a reserve line credit without my knowledge or permission with clear evidence stating such. I have taken it upon myself to purchase ( for {$80.00} ) my statements over the past 4 years. After intense review, I have came to the conclusion that a systematic error initiated the opening and transferring of credit to this reserve line and caused numerous overdraft protection fees when my account was not overdrawn. For example ; my account statements show : On XX/XX/2015, my account balance was {$310.00} and on XX/XX/2015, I spent {$140.00}, leaving a credit balance of {$170.00}. On XX/XX/2015, the bank made a {$100.00} deposit from the reserve line without my knowledge and without any potential overdraft. On XX/XX/2015 my account had a balance of {$41.00}. On XX/XX/2015, I spent a total of {$37.00}, leaving a balance of {$3.00} in my account. The bank made a {$50.00} deposit from the reserve line and on XX/XX/2015, the next day, I deposited {$500.00} into my account increasing my balance, nowhere near an overdraft state. This statement account period is also the first time I was charged a monthly maintenance fee, of which was said to be waived as I was a student account holder. During this statement period of XX/XX/2015 through XX/XX/2015, I was unknowingly charged a total of {$61.00} in account fees in addition to the {$50.00} line of credit. The third and fourth transfer to the reserve line was the following statement period, as once again the unwarranted line of credit continues to plague my account. On XX/XX/2015, my account balance was {$170.00}. I made three purchases the next day, XX/XX/2015, totaling {$70.00} leaving a balance of {$99.00} in my account but I was once again charged an overdraft protection fee while another {$50.00} was dumped into this invisible line of credit. The following day I made {$46.00} in purchases, still leaving me well over an overdrawn state and I was charged another {$12.00} in overdraft protection fees and another {$50.00} was dumped into this invisible line of credit. A total of {$66.00} that was taken out of my account due to more unwarranted banking fees. If needed, I can continue writing out examples as Ive analyzed all my account statements to date. On XX/XX/2015, unwarranted bank feesoverdrew my account in the amount of {$88.00}. I could continue ... | ||||||
| 07/05/2022 | Yes |
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| On XX/XX/2022 at XXXX EST while on vacation I received a text message from US Bank Fraud Alert inquiring whether a charge in the amount of {$200.00} at XXXX XXXX was valid. I immediately responded that the transaction was not valid and called the customer service phone number on the back of the credit card to discuss further. A provisional credit was issued for {$200.00}, the account was closed and a request was processed to have a new card issued. On XX/XX/2022 I noticed that the charge was again deducted from the account on XX/XX/XXXX. Upon seeing this transaction again, I called and spoke with a customer service representative named XXXX at XXXX XXXX. XXXX transferred me to XXXX at XXXX who stated that research concluded the transaction was valid. XXXX provided me the details of the transaction and I again refuted the claim I, as the cardholder, DID NOT request or authorize the purchase. I also DID NOT receive any delivery from XXXX on XX/XX/XXXX at my residence. When I asked for signature confirmation of this supposed delivery, it was noted that Customer was met at door and that there was no signature. I, as well as my husband who was home the full day, refute these details as there was no activity of this nature at our residence and no delivery was received. I was told that the case would be reopened and that I should expect a return call in 2-3 business days. On XX/XX/XXXX at XXXX PST after not receiving a call regarding the matter, I again called and spoke with a representative named XXXX who said my case was being transferred to a supervisor and that I would get a call back. On XX/XX/XXXX at XXXX XXXX I called again, this time speaking with XXXX XXXX XXXX transferred me to XXXX who I spoke with at XXXX. XXXX transferred me to XXXX. XXXX stated that a return call was attempted on XX/XX/XXXX that went unanswered. XXXX said that call would have come from either area code XXXX or XXXX. In review of home and cell phone records, no such call was found to have been missed or blocked. I was again told the case would be reviewed and to expect a call back. On XX/XX/2022 at XXXX PST I called to discuss the matter again. A representative ( the name given sounded like XXXX but I can not confirm ) provided me with the case number and reviewed the notes she could see in the system. Note the case number had not been provided to me during any of the previous calls. After detailing the summary of events again, the representative stated that she DID NOT see note of an attempted return call on XX/XX/XXXX and did not understand why I was told that information. The representative placed me on hold to connect me with a supervisor. My call was then transferred to a representative named XXXX. XXXX explanation was that the case would not be reopened or investigated further and that the matter was considered closed, leaving me responsible to pay for this fraudulent transaction. XXXX took the time necessary to dryly read the script that told me how sorry he was for the difficulties Id experienced. I was also able to speak with XXXX at the XXXX XXXX Headquarters and was told that my concerns would be relayed to the appropriate party for their records The line of credit was closed at my request after the unsatisfactory results regarding the transaction detailed above. I have been a loyal XXXX XXXX for most of my life and am deeply troubled at the lack of evidence gathered which places the financial responsibility back on me. I am even more troubled at the inconsistent information I was given over the course of these calls. Ultimately, I no longer trust that this credit card company can protect consumers from fraudulent schemes to bilk them of their time and earnings. As this fraudulent charge was not made by myself or anyone in my household, the repayment of this charge is not my responsibility and should be removed as a debt levied against me. | ||||||
| 02/15/2016 | Yes |
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| There were a number of other violations that I could have chosen on the previous question : Communication tactics : Threatened to take legal action, Continued attempts to collect debt I do not owe : Debt is not mine, False statements or representation : Indicated committing crime by not paying debt AND Impersonated attorney, and Improper contact or sharing of information : Talked to a third party about my debt. However, the threat to sue on a debt that is too old to be sued on is the most significant to me, as the alleged debt is outside the statute of limitations and can no longer be collected upon. My dad was called by someone who was serving him notice via phone of a " debt-related civil action pending against [ me ]. '' He was told to take down a phone number and a file number and have me call the company. When I called, I spoke to XXXX XXXX who, after several minutes of prompting, identified company as XXXX XXXX. I was told the company was a law office looking to collect on US Bank credit card account closed in 2008, an account I knew nothing about. I raised concern over the fact that I had never heard of the account or received any type of phone call or literature regarding collection, and over the fact that the debt was disclosed to my father, rather than through direct contact at my number. XXXX first told me they had been calling my number repeatedly and I had been ignoring the calls ( I had never received a call ) and later changed to " this is the first time we 've sought contact with you. '' I could not get her to tell me the dollar amount of the account more specifically than " over one thousand dollars. '' I accused the business and account of being illegitimate, and XXXX raised her voice at me and rattled off my full social security number to me twice, despite my protest and pointing out that practice was illegal. She spent the remainder of her time on the phone with me asking why I had n't paid, " what [ was ] wrong with [ me ], '' and telling me that I needed to pay or they would sue me. I was transferred to transferred to XXXX XXXX. XXXX gave me the total in question ( ~ {$1200.00} ). When I told her the account was not mine, she told me to visit my credit report and mark the account as being the product of identity theft. She told me an investigation into the validity of the account would take approximately 30 days and that she would start the process of having me served with a summons so I could later appear in court with the record of dispute. She asked for my current address to do this ; I gave it to her and got off the phone. I checked my credit report where I found no record of the US Bank account. I checked a report generated a year ago and saw the account. The account is not mine ; I have zero recollection of opening or paying on this account. I attempted to open a dispute, and was unable to because the account had come off my report the year prior. I called the company back. I initially spoke to a man who told me that this was obviously my account, accused me of deliberate lying, and demanded I pay the amount today because they planned to garnish my wages or put a lien on my car to satisfy judgment rendered against me. He was speaking to me in a very accusatory and threatening manner, so I demanded that I be able to speak to XXXX again. She told me my only option was to pay or I would be sued. I caved in and I agreed, setting up XXXX payments to begin on the XXXX for an account that is not even mine. I was then transferred to a member of the " accounting department '' who asked to record me. I allowed him, and he asked that I state my name, address, and telephone number to verify my personal information. I later contacted my attorney who informed me I had been victim to illegal practices under the Fair Debt Collection Practices Act and encouraged me to begin the process of protecting my information. | ||||||
| 05/06/2022 | Yes |
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Web | Servicemember |
| I opened a US bank account in late XXXX that my boss demanded I open because my bank didnt receive XXXX payments. My XXXX W-2 was way too high and I brought this to his attention ( XXXX XXXX XXXX he fired me. I fought it till I won but unemployment said I hadnt worked at XXXX XXXX for over a year I then gave the agency all my proof and he lost. I enrolled in XXXX XXXX classes and was buried in my studies and then someone ( authorized user ) had accessed my bank account and turned off all notifications and since I received a grant for school I didnt think much about the bank account. In XXXX or XXXX of XXXX I received 2 letters from US bank on the same day informing me my shared account member entered and exited hence the two letters. I called US bank and said NO ONE has permission to be in my account where I was told they dont have shared users and those letters were scams. They were not scams I was lied to upon reading all material on US bank you can have up to 2 secret shared users all they need is your SS number and drivers license and then they get their own username and password to my account!! I didnt realize any of this was going on till I paid off my XXXX XXXX credit card and then received a XXXX dollar charge which was what I paid down. The card had a XXXX dollar spending limit which I had raised to XXXX which I rarely use credit cards and my credit was a XXXX so I could have had more but I needed to establish my career first. Then I called XXXX XXXX and said these are not my charges and they said they couldnt go back further to see why those charges were on my card. I thought that was the end but nope someone ( XXXX XXXX perhaps but the other information they hacked had to be someone I knew well ; I have a lot of faith almost all of what happened was committed by my cousin XXXX XXXX XXXX XX/XX/XXXX and her long time boyfriend XXXX XXXX were responsible for what happened next- someone took out 2 or 3 more XXXXl XXXX cards after I cut my cards up and informed XXXX XXXX not to raise my spending balance or issue any more cards and I deleted the app from my phone and didnt realize the danger I was in. In XXXX they hacked into my emails by using workplace XXXX or XXXX where they then controlled all my passwords. They raised the one card to XXXX and I think XXXX on the other. No mail came to inform me and the cards were sent somewhere??? Slowly and with hours and hours digging into this I discovered they were laundering money through my bank account to the XXXX XXXXXXXX cards then to large weekly payouts into my XXXX ID which Id been locked out of for quite a while. They then used XXXX XXXX with my oldest XXXX ID and they locked me out of that as well as several emails, and all personal information. In XXXX of XXXX I lost my job due to COVID and when I tried to file for unemployment I found my username and password had been changed as well as my security questions which is why I think it was one of the above mentioned. XXXX XXXX writes bank code and is an app developer for XXXX, XXXX XXXX and yep US bank. Developers can reach into your device and get all your information and delete passwords and so much more. Finally in XXXX of XXXX I reached unemployment where they put XXXX into my account I think unless it was XXXX laundering more money because XXXX claims that they sent it out but US bank denies that fact. Within 2 weeks not even all that money was stolen every time I swiped my debit card XXXX came out, the second round was XXXX until it was close to a XXXX and the bank records show all that money being put into another account. To date I have lost my home, car, job, my life and I have called and called all these places to no avail. I also discovered that someone filled for identity theft before I even knew it was stolen. I dont know what to do and I need help because Im still being stalked by this individual ( s ) | ||||||
| 06/27/2016 | Yes |
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| Dear CFPB, I received a call from XXXX XXXX XXXX XXXX ( originator ID : XXXX ) from my local US Bank branch, offering me a credit card I was eligible for, which I declined. He also mentioned that I currently had a {$500.00} overdraft protection account, and I could be eligible for a line of credit up to {$5000.00} at a lower interest rate. I told him I was interested and authorized him to proceed with a credit check to determine the amount and terms of my eligibility. The very next contact I received was a VOICEMAIL from XXXX XXXX, telling me that I have been approved at {$5000.00}, that the account has been set up, that I 'd receive a credit card in the mail ( which is what I clearly did n't want in the first place ) that I could just not use, and that it was at a lower interest rate than my previous overdraft account. This turned out to be 13.5 %, though I was never told that until much later. A few days later I received a letter from US Bank showing me my XXXX credit score for this loan at XXXX as of XXXX. I found this to be an error, as I keep very close track to my XXXX and XXXX credit scores, XXXX of which have been at XXXX for quite some time and have had absolutely no major changes that would result in a XXXX point swing over the course of 9 days. I logged onto XXXX on XXXX and found my credit score to in fact be XXXX. Upon contacting the bank about this, XXXX XXXX did in fact verify that he saw my credit score as currently XXXX. I was told by the manager, XXXX XXXX XXXX, that they had it on file as of XXXX at XXXX and there was nothing we could do about it for another 6 months until the next review of my creditworthiness. I called US Bank 's credit services and worked my way XXXX levels up the customer support chain to speak to a very kind gentleman ( XXXX? ) who explained that there is literally not a mechanism in the US Bank system that lets them manually review/adjust someone 's credit score. I was n't asking for anything special, all I wanted was an account with an interest rate based on my credit score. Due to the lack of a mechanism to achieve this, what I had to settle for is to reapply now, get it approved at the correct rate ( which will result in a second inquiry to my credit ). With that as the backdrop, I have XXXX primary issues that I 'm reporting to the XXXX : -First and foremost, these strike me as incredibly loose and dangerous lending practices, and I can not imagine US Bank would approve of or teach this process. The terms of the line of credit were NEVER discussed or agreed to by me prior to the account being set up, namely the interest rate and the score it was based upon, fees, terms, etc. If it had, I would have said I disagreed with the score at that time and we would n't be here now. Additionally, as I 've reapplied, I found out that while 13.5 % was in fact lower than the interest rate overdraft protection account it was replacing, but it is also THE HIGHEST POSSIBLE INTEREST RATE YOU COULD HAVE ON THIS CREDIT LINE. This is an absolute slap in the face. Furthermore, while reapplying for the line of credit, I was asked questions regarding military service and whether I was or related to a senior political figure, both of which are fluid topic. Point being I was not asked about this by the loan originator, and it somehow got processed anyway. I was also shown the terms of the line of credit, including fees, penalties, and a lot of other information any reasonable human being would expect to be reviewed prior to the account actually being set up. I was blown away at how thorough the websites process was, and how XXXX employees appear to be offering credit products in a manner that would be unscrupulous at best, and illegal at worst. -My second complaint is the fact that US Bank and frankly any financial institution would not have a mechanism in place to manually override these types of issue | ||||||
| 02/09/2017 | Yes |
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| I deposited a check from my fianc 's XXXX XXXX XXXX account for {$760.00} on XX/XX/2017 into my U.S. Bank account at an ATM located at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX at XXXX. I obtained a receipt from the ATM which indicated that my account balance was {$840.00}, and my available balance was {$150.00}. I purchased gas ( {$60.00} ), a dozen cookies ( {$22.00} ), and pants from XXXX ( {$48.00} ). I checked my balance, and it read that my account was - {$120.00}. I immediately called U.S. Bank 's customer service line at XXXX, and spoke with a very rude representative, who stated that I did not have any available funds in my account, and that I never had an available balance. She went on to state that the funds from my check would not be released until XX/XX/2017. She said that any pending transactions would all incur a {$36.00} overdraft fee. This is all nonsense to me, because I have a receipt in my hand that stated that my account balance was {$840.00}, and my available balance was {$150.00}. I had only made {$130.00} I purchases. I called the U.S. Bank customer service line again at XXXX on XX/XX/2017 ( I was unable to sleep ), because I checked my account balance, and it was now - {$130.00}. The representative explained that the computer was still processing payments, and that I should check my account after XXXX. The check in question had already " posted '' to my account. I checked my account at XXXX, and indicated that my account was now - {$78.00}. During my lunch, I went to the branch located at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, and spoke with Assistant Branch XXXX XXXX XXXX ( p. XXXX ), who told me that I needed to visit my " home branch '' located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to resolve any account issues. Moreover, he stated that because my account was newly open ( 28 days ), that every check that I deposited would have a 5 business day hold. This is not true, as the previous day ( XX/XX/2017 ), I deposited a {$100.00}, and there was no hold. XXXX gave me the number to the Fraud department, and stated that they needed to speak with me regarding the check that I deposited. I called the XXXX department at XXXX, and spoke with a very rude representative, who told me that the check that I deposited was suspicious and altered. I told him that it was not. He told me that there was now a hold on the check until XX/XX/2017, and that there was nothing that I could do. At approximately XXXX, I received an email stating that my account had XXXX pending Overdraft Fees for {$36.00} each ( total, {$100.00} ). After I got off of work, I went in to my home branch, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Teller Coordinator XXXX XXXX ( p. XXXX. I went over the series of events. She called XXXX XXXX XXXX, and confirmed that the account that the check was written on was a valid and active account, and the available balance was sufficient to cover the check. XXXX explained that she would contact the Fraud department the next day ( they were closed ), in an attempt to get them to release the hold on my account. Overnight, the XXXX pending Overdraft Fees posted to my account. Also overnight, the check cleared and the money was taken out of my fianc 's account. I emailed a copy of my fianc 's XXXX XXXX XXXX checking account and routing numbers to XXXX at XXXX on XX/XX/2017. At XXXX, I received a notification that I had XXXX more pending Overdraft Fees on my account - now the total in Overdraft Fees are at {$250.00}. I called, and left a message for XXXX at XXXX, and she returned my call at XXXX. She stated that she has so far been unable to get in contact with XXXX XXXX XXXX, and that the Fraud department is refusing to release the check, and as a result, I will continue to incur fees. XXXX stated that they will not be returning any fees, and the hold will remain on my check until XX/XX/2017. | ||||||
| 04/01/2016 | Yes |
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| US Bank is allowing a borrowers home to go sale due to their negligence and mis-information. Here is the time line of events : XXXX/XXXX/XXXX file submitted to US Bank via fax to XXXX by assigned advocate XXXX XXXX XXXX I { XXXX XXXX } advised the assigned avocate to have the borrower sign the XXXX and complete the US Bank XXXX XXXX and XXXX form XXXX/XXXX/XXXX the member contacted XXXX and stated that US Bank also requested the signed XXXX form and a few other documents XXXX/XXXX/XXXX as the servicer manager that handles the Non contracted services I called US Bank to confirm exactly what the status of the file is ... ... .. I called US Bank at XXXX and I spoke with XXXX in the MAP department and she advised me that the following documents are still needed no later than XXXX/XXXX/XXXX or the sale date may not be postponed. 1 ) Last 30 days of copies of paystubs ... ... ... ... .need clear and legible copies 2 ) Need the XXXX version on the XXXX ( please complete sections XXXX and line XXXX must include your servicer 's address & phone then on line XXXX put XXXX and check box XXXX then on line XXXX put XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX and sign & date, include your phone number and also check the box right above your signature 3 ) Need the monthly expense sheet completed ( see attached form ) Please fax these needed documents to XXXX or email them to : XXXXXXXXXXXX and INCLUDE THE LOAN NUMBER ON EACH & EVERY PAGE. XXXX Borrower faxed the signed XXXX, paystubs, XXXX and the monthly expense sheet to XXXX and recived a fax onfirmation for XXXX pages XXXX/XXXX/XXXX Borrower realized that she did not sign the XXXX and faxed that in with a signature to XXXX received a fax confirmation for XXXX pages XXXX member called and wanted us to confirm with US Bank if they received her documents ... ... ... I called US Bank at XXXX and I spoke with XXXX in the MAP department and he advised me that the borrower sent in documents on XXXX/XXXX/XXXX but that they were still incomplete and the request to PP sale will not be made at this time. I advised the advocate wo that she can reach out to member and advise her that she must work on PLAN B to get the sale stopped at this time. XXXX XXXX I called US Bank XXXX XXXX to speak with the MAP rep XXXX and I was directed to her voice mail where I left a detailed message asking her why did she request the sale to be PP when all documents were faxed in by XXXX/XXXX/XXXX as they requested. I am calling right back to see if I can speak with someone else and let them know that we will be filing a complaint with the CFPB if they do not request the sale date to be postponed. XXXX I spoke with member and she is very upset with US Bank because she did provide all of the needed documents that they requested by XXXX/XXXX/XXXX and she left several messages with her MAP rep with no return call ... ... ... ... I advised the member to please send me the documents that she sent to US Bank on Friday and I will fight with US Bank to get the sale stopped because she had until XXXX/XXXX/XXXX to provide the needed documents ... ... ... ... .I also advised the member to call her rep and threaten to file a complaint with the CFPB because this is not RIGHT!! XXXX I called US Bank at XXXX to speak with the MAP rep XXXX and I was directed to her voice mail where I left a detailed message asking her why did she request the sale to be XXXX when all documents were faxed in by XXXX/XXXX/XXXX as they requested. I am calling right back to see if I can speak with someone else and let them know that we will be filing a complaint with the CFPB if they do not request the sale date to be postponed. XXXX I called US Bank again at XXXX and I spoke with XXXX in the MAP department and she looked at the file and she checked the loan notes with the manager which also stated that package was incomplete and that the borrower forget to sign t | ||||||
| 12/06/2016 | Yes |
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| I opened a business in XXXX XXXX, and I purchased my home XXXX XXXX through XXXX. It was sold to US Bank shortly thereafter. I made payments on time for the first year, until XXXX XXXX due to unstable business income, a family member stealing , and supporting XXXX kids alone. I called, set up a payment plan, ( without issue ). The 2nd payment I made was set to draft on a Friday and the following Monday it had not, so I called to confirm it was in process. The rep. said they did not see a scheduled payment, and took a payment over the phone. It turned out the draft was still scheduled and after she took my payment over the phone, the original ACH draft went through and bounced back, therefore alerting their system that I had broken the payment plan, which I did not. The following month I was unable to pay one month, as it appeared I had broken a payment plan. I could not pay more than 1 at the time, and they said that even if it was not my fault, the system would n't allow it. I was sent to loan mod, who said payment plan should work with me and sent me back. I was at a loss as my account became more delinquent. I finally spoke with a rep who identified what happened with my first payment plan and even refunded me the fee that US Bank had charged me for bouncing it. She said there was no reason to deny me a payment plan. She took all of my past due payments and split them into 4 installments saying they went out 4 months so she could n't enter them in the system, but that she was notating my account. I called back to make the first one, and was told no notes were on file, despite being able to see the refunded fee. At this point I was several months behind, and they told me my option was loan modification, or to pay more than half of the past due. I asked what the full amount was and when it was needed by, they told me about {$3800.00} I let them know that I did not think this was possible, but I would try. They submit this as a payment plan even though I was told I could not set one up, that was just the amount I was told I had to pay all at one time. I was only able to pay {$2800.00}, and had {$1200.00} in suspense, but they would not accept it. If accepted, I would have only been 2 months behind, because they did not, I became 6 months behind at which point I 'd have to pay all past due $ or apply for loan modification, during which no payments are accepted, to avoid foreclosure. They put a sale date on my home and listed it, I have an FHA loan, they never offered a face to face meeting. I requested notes and phone call recordings on my account, none of which were available. I submit all of my documents on time, the day I did, the rep told me she saw a payment plan on my account as of that day, which I was told was an error- surprise since the " system '' would n't let them do this. I was denied modification, my " relationship manager '' advised me to short-sell to avoid a foreclosure. She told me I was unable to appeal unless the info I submit was incorrect. It seems this is the result US Bank has been hoping for since the day that I fell a month behind. I have complied with their process, offered substantial payments, been passed around from one rep to another, given conflicting info, lied to about my account being notated, misled about minimum payments, and installment plans that were offered then denied! I am XXXX, I am drowning in debt, I know for certain that I do not make fraction of what I did when I obtained the mortgage in XXXX considering debt/income ratio especially. Not counting my mortgage, I am now in over $ XXXX of debt related to my business and at that time I did not have a single dollar of debt. I am now waiting for my package and letter of declination unsure of how I can keep a roof over my girls heads. US bank has essentially pushed me into foreclosure at every juncture, and consumers need to be WEARY. | ||||||
| 10/30/2021 | Yes |
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| Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : XXXX XXXX XXXX XXXX TO MY CREDIT FILE! Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : NA 5. The following personal information is incorrect Account Number : Employers : XXXX XXXXY XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXXL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act. | ||||||
| 02/09/2016 | Yes |
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| In XXXX 2015, I completed an application requesting mortgage assistance from US Bank due to a financial hardship. After 20 years on the job, my company had a massive layoff and I became unemployed. I fell behind on my mortgage payments with US Bank and applied for mortgage assistance. I submitted all documents requested, and was assigned to a Relationship Manager. A few weeks later I received a call from my Relationship Manager requesting additional documentation to process my request for assistance. According to the Relationship Manager, the underwriter, was requesting a letter from my employer to verify my employment, a current mortgage statement for my properties, a Homeowner Insurance Declaration page, a 2015 tax bill, XXXX recent bank statements and the Homeowners Association Fee ( if applicable ). She also stated that if my property is a rental, I need to send a current lease, with XXXX recent bank statements and circle the rental deposits or send canceled checks. Please note, this property is not a rental, it is my primary residence so I was taken back by their request but I immediately complied and submitted all documents via fax and email. To ensure that my application was complete and to avoid any future discrepancies regarding my rentals, I circled the rental deposits on the bank statements to show proof of my rental income as stated upon my application and advised by the Relationship Manager. Shortly thereafter, the Relationship Manager called me again, requesting the exact same documents again. Once again, I submitted the documents and waited to hear back from US Bank. Approximately XXXX weeks later, my Relationship Manager notified me again, that she needed the mortgage statements, another letter of employment clarifying the gift card payouts stating the frequency of how often gift cards are paid out, and a copy of the 2015 tax bill. I complied and resubmitted the documents, my employer wrote another letter stating the frequency of gift card pay outs and I resubmitted the mortgage statements and 2015 tax bill. Now that I have submitted these documents XXXX times, I did not think it would be long before I received an updated status on my application. However on or around XXXX XXXX, 2015 I received a call from my Relationship Manager, stating that they need another copy of my mortgage statement because it is not in the file. Since I had submitted the mortgage statements XXXX times already I could not understand why it would not be in the file, but I complied and sent it again via email and fax. Due to the poor mishandling of my file over the past month and a fast approaching deadline of XXXX XXXX, 2015 to have my documents evaluated by an underwriter, I made the request that US Bank reply, by letting me know they have all documents since I have submitted new documents XXXX times already. I received a response that all documents had been received and the file was now with an underwriter. On, or around the XXXX week in XXXX, I received a call that my file had been denied since I failed to submit mortgage statements as requested. I was absolutely appalled since I had resubmitted these documents XXXX times already. So while on the phone, I requested that the US Bank representative review my file because the mortgage statements should be there. After going through my file, he quickly located the mortgage statements, apologized and stated he would resubmit my file and call me back in 24 hours. I never heard back from him so I called back. I spoke to another representative who also confirmed my file was denied since I failed to submit my mortgage statements. I explained the situation and the file was forwarded a supervisor, who escalated the file back to underwriting. Due to the poor negligence in handling my file, I want the CFPB to conduct a thorough investigation in the practices of US Bank and how I was treated. | ||||||
| 06/19/2015 | Yes |
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| US Bank offered me a payment arrangement via XXXX Mail for my overdrawn checking accounts. I entered into an oral agreement to make a monthly payment for XXXX for each checking account overdrawn while the accounts remained active and go back to a XXXX balance. I was told by US BANK to make my monthly payments on the XXXX of each month. The payments were due the following month XXXX and XXXX. I did not make the payment on the XXXX due to paying electric, gas and mortgage.. Approximately XXXX after the XXXX US Bank debited my accounts for XXXX which equal {$210.00}. I called US BANK to ask why are you withdrawing funds from my account without my permission? I did not authorize US BANK withdraw payments from my checking accounts. The XXXX thing US BANK REP said to me was Awwww we are n't suppose to debit your checking accounts, you 're suppose to make the payments on your own. US BANK REP said its an error call the recovery dept and let them know what is going and I 'm sure that department will refund your account. I called to no avail and waste of my time. I was told to called the XXXX XXXX Ohio Branch and talk to manager she refused to refund my acct. They claim I was told the debits would happen monthly. I said not true I never signed anything either. I would never agree to US BANK debiting my account monthly for repayment plan. We 'll US BANK not only debits my checking accounts monthly without my permission, US BANK will cause my accounts to overdraw and then charged more overdraft fees? I did not agree or sign anything agreeing to US BANK debiting my checking accounts for the payments of XXXX and on top that charging me an overdraft fees for overdrawing my accounts. As of XXXX my accounts are overdrawn with another overdraft fee of {$36.00} because US BANK debited each checking account for {$100.00} which overdrew my accounts. Clearly US BANK could see there was less than {$50.00} in each account. A few months ago US BANK charged me another overdraft fee after debiting my XXXX checking accounts for XXXX without my permission for the payment plan. US BANK refuses to refund my overdraft fees due to US BANK unauthorized debits to my checking accounts for monthly payment plan. I tired of all these extra fees. Example my account was positive on XXXX and woke up on XXXX it was overdrawn so before XX/XX/XXXX I transferred the funds over from XXXX US BANK checking account to the other and I was still charged overdraft fee of {$36.00}. US BANK continues to overcharge my account with UN-necessary overdrafts fees. This is unfair cause I 'm already struggling to repay them overdraft fees accumulated on my account because a merchant kept trying to electronically debit my account and US BANK could see there was no money in the account but each time the merchant try to debit, the debit was unpaid and a overdraft fee of {$36.00} and {$25.00} weekly fee. XXXX my accounts were positive XXXX accounts are negative because of XXXX debits {$100.00} = {$210.00} plus I was charge another overdraft fee of {$36.00}. US BANK has to stop this mess, its unfair. I made the agreement in good faith but I never agreed or signed anything stating US BANK could debit my accounts for a total of {$210.00}. I ca n't pay US BANK before I pay my mortgage, gas, water and electric bill. I try calling and asking for refunds of these fees this morning to no avail. I called and try to talk to manager in XXXX three months ask for the overdraft fees back at least I was told no and this was after my accounts were debited over {$300.00} for the payment plan without my permission. Because one month my account was not debited by US BANK. I called US BANK over and over again told them I never agreed to you debiting my account. I was told when signing up over the phone for repayment plan I was to make the payment and I was never told US BANK would debit my account monthly | ||||||
| 08/01/2017 | Yes |
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| In XXXX I filed my XXXX tax return. I had no knowledge of US Bank Mortgage. I filed the XXXX-intrest statement from XXXX XXXX, my loan was with that mortgage company. I amended my return when I learned my former employer XXXX XXXX XXXX XXXX took {$53000.00} of my employee owned senior preferred retirement pension. IRS had already paid me {$4000.00}. My home was broken into and copies of my paperwork was being made. IRS told me someone is using the person that filed my return in XXXX for XXXX. I only used that person once, after my home was hit by a tornado in XXXX. The person name is XXXX XXXX XXXX. Her EIN number is XXXX. The name of her company is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX TN XXXX. Transactions maybe made using her information. There was an attorney name XXXX XXXX that pulled information for me on the property. I never saw my XXXX XXXX to file my taxes. I had to call my former employer to print my XXXX for XXXX and check stubs for my severance packet. This is the year I was focused on depositions for the XXXX XXXX law sue I filed in XXXX. Family members knew of this, my former employer knew of this. I was laid off on XXXX/XXXX/XXXX. I 've learned the company was served a subpoena on XXXX XXXX, requesting my employee records. XXXX XXXX XXXX XXXX XXXX refused to give the courts my employee records. They were pulled in XXXX and given to me. I never received my original XXXX in the mail to file my taxes. The person that file my return for that year did n't use the information reported to IRS received by XXXX XXXX XXXX XXXX The information was also reported to The Social Security Department. The person filed as head of household and filed an exemption. I no longer have an exemption. My XXXX XXXX child is an adult now. He receives XXXX from social security. I 've been told by the United States Attorney General his power of attorney Is had on him as a child is on XXXX XXXX XXXX file. His name is XXXX XXXX XXXX, his ss # is XXXX. I am trying to get information from that XXXX. They are also pulling information for me. Complaints have been filed with them also. Let me know what you need from me please. I 'm giving you permission to pull information about me with the identity theft packet. I have nothing to hide. My parents are deceased and their social security numbers are still being used by the family members. My father XXXX XXXX in XXXX, my mother XXXX XXXX in XXXX. Their names are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I included an account number that was used to make a payment to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. The date the transaction took place is XXXX/XXXX/XXXX. My account with XXXX XXXX XXXX was XXXX. The mortgage payment was applied to account number XXXX. It 's as though the account was set up to transmit via XXXX. Your EDI account was used to set up the account with United States Bankruptcy Courts. Your EDI account is XXXX XXXX it was added to the bankruptcy data base on XXXX/XXXX/XXXX. U S Bank Home Mortgage. This is how I learned of this. I pulled the certificate of notice from the United States Bankruptcy XXXX XXXX XXXX of Tennessee. Case number XXXX. The XXXX XXXX XXXX is the XXXX over the case. The police report number is XXXX it was filed on XXXX/XXXX/XXXX. After my home was broken into, all of my laptops taken. A mother board I had from a older computer was taken from my home. My lab top was hacked into, all of my files was taken. Checks was stolen from the home. From XXXX XXXX and XXXX XXXX XXXX. Someone have gone above and beyond to prevent me from having information. I ran a diagnostics for four days and put information on a TB Hard Drive. I gave the information to a family member, before I knew it was my entire family. XXXX XXXX XXXX kept my hard drive. Another account number on US Bank Home Mortgage is XXXX in XXXX/XXXX/XXXX. The amount of the payment was {$550.00}. | ||||||
| 07/18/2016 | Yes |
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| I live in rural Missouri. On XXXX XXXX I left for XXXX XXXX where I hosted a memorial for my father, and to scatter his ashes. On XXXX XXXX I wrote a check for {$3800.00} to replace my central air-conditioning, which had failed 2 days earlier. At the time I had {$4900.00} in my account. I have had a checking account with US Bank for over 21 years and never needed overdraft protection. Before I departed for XXXX I failed to deposit a check to my account for {$7500.00} - my mind was on the more important task of hosting a memorial. Consequently, a check I had written on XXXX XXXX for {$1800.00}, was drawn on my checking account on XXXX XXXX. Together with the air-conditioner check my account became overdrawn. I have had a checking account with US Bank for over 21 years, and to my knowledge have never bounced a check in over 18 years - in addition several years ago I had a vehicle loan through the bank, never missed one payment. I do not have a history of writing bad checks. On XXXX XXXX I deposited the {$7500.00} check to my account, however without notice the branch of US Bank in XXXX Missouri took it upon themselves to put a hold on the deposit, not releasing the money for my use until XXXX XXXX, 2016. The notice of hold I received by mail on XXXX XXXX. I have verified with the originator of the {$7500.00} check that the funds have been withdrawn from his account on Friday XXXX XXXX. After a conversation with the US Bank manager ( XXXX ) she affirmed that the hold is discretionary and they had the ability not to impose the hold, and to release the hold at any time, but she told me by law they had the right to deny me access to my money. She said that one of her employees tried to verify the check with the bank it was written on, and that it is ( that ) banks ( XXXX XXXX XXXX XXXX ) policy not to verify funds. XXXX then said she checked with her supervisor ( supposedly ) and the hold will stand. I had also planned on depositing another check from the same person/bank for an additional {$7500.00} ( find copy attached ), but XXXX said that check would be put on hold also. The stated reason for the hold was for repeated overdrafts - XXXX check for {$1800.00} and XXXX direct debit for a mortgage payment, the only overdrafts I 've ever had in at least 18 years. My compliant is this : Despite a long history with the bank, never having had bounced checks, by law the bank can hold deposits at their will, thereby causing further hardship by the inability for me to rectify the returned checks or pay any other bills from my account. This seems like kicking a person when they are down. This is very unfair. Without access to my funds, which have already cleared the originating bank, I can not make my mortgage payments, or pay any other bills that are due, nor rectify the {$1800.00} for the XXXX check they bounced. XXXX tells me they do this for my protection, but I am quite certain it is for the banks protection. It is a fact that XXXX could have released my funds, however, if she did not like the way, or tone, I used when I spoke to her or her employees, she has the ability through the law to " punish '' me by holding my money as long as the law allowed. This is morally wrong. I do n't have a lobbyist in XXXX to protect me from banks. Additionally, during my conversation with XXXX, she asked twice what my {$7500.00} checks were for, I told her it was my money. I do believe her asking that question was an invasion of my privacy. The money could have been owed to me for XXXX different reasons that were not her business. Bottom line : I 've been unfairly denied access to money in my checking account thereby causing further hardship - for accidentally writing XXXX bad check, and XXXX direct mortgage debit to be charged to my account, and/or not being liked by the branch bank employees for the language I used with them ( like stealing ). | ||||||
| 11/14/2017 | Yes |
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| I received a XXXX {$100.00} gift card for XXXX XXXX drawn on US Bank. I had forgotten about until I went to use it this past XXXX XXXX. The front of the card has a removable sticker indicating that the card is already active and ready to use, with a telephone number explaining you can check balances, transaction activity " or register the card ''. I decided to call the company to register the card and check balances. I have never used this card and it has always been in my possession since receiving it. I was informed that out of the original amount of {$100.00} there was now only a balance of {$7.00}. I then contacted the telephone number on the back of the card XXXX XXXX XXXX for reporting lost or stolen cards. This telephone number was extremely small print and I needed a magnifying glass to read it. I spok with a female on the line and gave her all the information she asked for regarding the card. She informed me that a purchase was made with the gift card in the amount of {$92.00} on XXXX. She stated the purchase was made at XXXX meat market out of XXXX, California. I advised her I did not make this purchase, have never been to California and the gift card has been in my possession here in Michigan. Well after speaking with this woman for quite some time, she told me I had to contact another department and make a report. She advised me I would need the information she gave me regarding when, where and for how much the card was used for. I was then transferred and repeated all the information I had received from the first woman I had talked to. I was advised that I would have to make a formal complaint in writing and I could mail it or fax it to XXXX. The woman stated that I had to include the formal complaint the first six digits of the gift card and the last XXXX digits. I sent XXXX XXXX XXXX XXXX separate faxs on different dates, XXXX XXXX & XXXX, XXXX. The reason I sent XXXX ( XXXX ) separate faxs was because I was n't sure I included the right number of digits from the gift card. Also, at the time a talked with the second woman on the telephone, I was informed that I needed to put a block on the gift card for the remaining balance of {$7.00}. I was given another telephone number and advised to call. When I called to have the remaining balance blocked because of the fraudulent activity I had discovered I was informed it would cost me {$5.00}. I informed the woman I was not going to pay {$5.00} for a remaining balance of {$7.00}, which in essence is me ending up with a remainder of {$1.00}. Finally she agreed she could waive the {$5.00} and send me a replacement for the remaining balance of {$7.00}. I said I would actually rather wait for the whole {$100.00} to be sent at one time after their fraudulent investigation was complete, but she said they could n't do that. Well I waited for approximately a month after faxing my formal complaint and never received any follow up from this gift card fraud department. I finally card the cards fraud investigation department and was informed my complaint had been denied. When I asked for the reason I was told it had been over 120 days since I received my statement and I failed to report it. I tried to explain that this was a gift card and I never received any statements for it, and the investigator basically told me it was too bad. You could imagine how upset I had become after all this XXXX I was told to do for this investigation to even get started and then never receiving any updates and then subsequently saying it was denied. I believe I did say some choice words, but eventually apologized. Well, that aforementioned is most of what I can remember of this incident and would appreciate a follow up from your agency. I really believe, especially with the holiday season upon us, that consumers need to know more about these gift cards and the banks that handle them. Thank You, | ||||||
| 08/18/2016 | Yes |
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| A US Bank agent called me and said ( paraphrased ) " I see you 've had a regular cash rewards card with us for over a year now ... would you be interested in " upgrading '' to a cash plus card? '' I said yes, the agent took my work/salary information, etc. and after a few minutes she told me that " you were approved ''. The only additional information she provided was that I was not approved for visa signature just the regular visa. She did not say anything about the credit limit or interest rate. Since she very clearly stated several times it was an upgrade and did n't inform me of any change in credit limit or APR I assumed that she 'd upgraded the existing card as promised. I received the card about a week later and went online to active it. When I logged in my account summary page showed that this was a brand new credit line, not an upgraded account. I called the credit card customer service department and asked if it was a display issue or if it would display as XXXX accounts for a short time since it was an upgrade and the person I spoke with informed me that the cash plus card was NOT issued via a credit card upgrade and that the agent had opened a brand new credit line ( without my consent ). I spoke with a supervisor who advised me to contact the agent who put in the application to have the action reversed. I called the agent the next day and inquired as to how this had occurred and what I needed to do to get it reversed so the account would be closed and the inquiry removed before the new ( unauthorized ) account was reported to the credit agencies. She refused to acknowledge that she had made an error and that I did not give consent to open a NEW credit account and she had misrepresented an " upgrade '' as an " application for a new credit line ''. I asked her to please look in to what could be done on the Bank 's end to rectify the situation without submitting a dispute/complaint with an outside agency. The agent eventually called me back stating she had a form that would take care of it and to sign and email it back. The agent never acknowledged receipt and did not provide any updates on the situation over the course of a month. I called 3 or 4 times for a status update, each time she assured me that she had done something to look into or speed up the process. I received a letter dated XXXX XXXX stating that a request to remove the inquiry had been placed. Since that was not the resolution the agent promised and the Bank via the " Credit Bureau Inquiry Removal '' form - account would be closed and removed from my credit history as if it had never happened - I contacted the customer service number provided in the letter. The agent I spoke with said contrary to the official letter, there was nothing she could do to help me except close the account ( which would hurt my credit even more by having a closed account with an age of 1 month ) and to contact the agent who opened the account. At this point I feel as if I have done everything possible, in good faith, to get what I thought was a simple human error on the part of the agent corrected on US Bank 's end without causing any trouble. It has been over 1 month and I have spent several hours sorting through misinformation and everyone telling me they ca n't help me and to speak with some other person and this is still not resolved. US Bank submitted an application to open a new credit account without my consent under the false claim of " upgrading '' an existing account. At no point was I informed that the meaning of " upgrade account '' was " do nothing with your existing account, open an brand new account instead ''. I believe I have done everything in my power to work with US Bank on a resolution internally and they either can not or will not correct the error so I am appealing to a higher authority. Supporting documentation is attached to this complaint. | ||||||
| 03/01/2016 | Yes |
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| After being a happy US Bank customer for 15 years, they were our logical first stop for our mortgage. We met with our loan originator, who did a fantastic job explaining our options, helping us understand the costs involved, and making sure we were fully prepared for buying a home. It was all downhill from here ... After we had talked through the new law ( TRID ) with the loan originator, he made us aware that it would take a full 45 days to close a loan. He stressed the importance of this timeline and we made sure to include him in our decision for our closing date. We were told that our date would n't be a problem. After getting the go ahead from the originator, we drew up a contract with the sellers and started in on the arduous process of actually getting the loan. During this time, my wife and I took no longer than three business days to produce everything that was asked of us including : tax returns, pay stubs, employment verification letters, etc. After we had gotten the preliminary approval, we started in with the underwriting team. Our contact made us aware of what was necessary to clear with the underwriters and move into closing. We had all of these documents in the hands of US Bank a week before our closing date was scheduled. We then waited for two weeks while our contact was waiting for a response from the IRS which she later deemed " unecessary '', and a week after our initial closing date she sent everything back to the underwriters. They returned with yet another condition ( rather arbitrary at this point, in my opinion.Also in the opinion of our loan originator, who, at this point, had put in his notice of leaving US Bank citing our mortgage as one of the prevailing examples of the poorly run mortgage department ). After returning this final condition we were finally cleared to close 12 days after the initial closing date in our contract. At this point, I got in contact with the sales manager helping to push through the close, and his boss to try and get some concrete answers on a time frame. After making them aware that our lease was ending in four days, they said they could close no sooner than nine days later, three full weeks after our original date. Luckily for us, our apartment complex did n't have a new tenant until a day after our closing date, so we extended our lease. I asked the sales manager 's boss to cover our rent for those five days and he obliged up to XXXX , which he claims is the highest amount he was allowed to authorize. When I asked about adjusting the fees collected by US Bank ( for a clearly inefficient and flawed system ) I was told that it was impossible and illegal. The check for the rent did n't arrive until a week and a half after our closing ( 10 days after it was due ), so I was yet again inconvenienced by the inefficiencies of the US Bank mortgage department. Five days prior to the closing I was told by the sales manager that I needed to continually check my e-mail all day for the disclosure, which needed to be viewed and consented before we could actually schedule the closing. I interrupted my job ( XXXX ) all day checking for this e-mail which arrived at XXXX XXXX. We consented and scheduled the closing for the following Wednesday. 30 minutes prior to closing, the sales XXXX called me to say the amount that I was responsible to pay had increased by around XXXX . He could not tell me what the charges were for, but assured me that if I did not pay it ( with a wire transfer, no less ) that I would not be closing that day. I was told he would get back to me on the charges and we arrived at the closing only to have the wrong disclosure ( everyone ), and only after getting the correct one ( still missing a XXXX $ fee ) faxed over could we comb through it, item by item, and figure out the discrepancies. Not until XXXX hours later did I receive an e-mail detailing the changes. | ||||||
| 08/25/2016 | Yes |
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| I have a US Bank Account. I deposit money into it periodically to keep the balance up and pay the credit card line. I receive email alerts regarding the status of my account, and receipts. on XXXX/XXXX/16 my account had XXXX dollars in it. A XXXX dollar debit hit my account and put it in the negative, about XXXX that day according to people at the bank when I went in the next day. I received no alert, or email of this transaction until XXXX the following morning. When I saw this email it was approximately XXXX, and I had work starting at XXXX. The branch isnt open until XXXX, so I came in to the branch at approximately noon during my lunch break to bring the account current with cash in hand. No fee had been assessed at that time. I asked where the XXXX $ transaction came from, I saw that my credit card had been paid automatically from my account which I do not dispute was how my account was set up. I also have draft protection turned off so my card should decline when funds are not present but due to the bank prior authorization they pushed it through and credited the payment. To be clear, I understand why and how the charge went through, I authorized the bank to make that payment when I set up the Credit Card. My objection is to the overdraft fee being assessed so quickly and with absolutely no warning or chance to bring it current. I was told by a bank manager that I would have had to have made a deposit by XXXX on the same day to avoid any fees. how was I supposed to know of any problems if I was n't notified of the transaction until the next day. I had the ability to come in and make the account current that day. If I had been notified I could have easily made the deposit before XXXX. So I deposited XXXX , when the account was at XXXX dollars. It brought my account to current. I asked if there would still be a fee since I came in as fast as I could, and they said yes. Even though I came in less than 24 hours after it going negative, this fee is still going to be imposed on an account with money in it. they have imposed fees in the past and waived a few of them from other times, and they now claim since they were so " lenient '' they had to insist on the fee. This fee, was only imposed due to a failure on the banks part to issue a receipt at the time of purchase. This fee was from a situation caused by the bank, and then imposed by the bank. It was also resolved in less than 24 hours. I asked the manager I spoke with what I could have done better, he said the only way was to have made a deposit before XXXX on the XXXX. How was I supposed to do that, if I 'm thinking my account is current and no receipts are landing in my inbox to tell me otherwise? I was told that it is my job " to know how much is in your account '' which I do in fact keep close track of, via email notifications. I was not empowered to to do the right thing, or given a chance to avoid repercussions. I should have received a receipt the exact moment the charge happened, like any other Credit Card Transaction I have ever done. Any bill I pay, i get an email confirmation right away from the vendor and a confirmation in my email. I was also told " Well you should keep more money in it. '' I keep this account as a buffer, I have had my bank account compromised in the past so I keep the bulk of my funds in a separate bank and make deposits as needed for bill pay. I live close to a branch, I would have gladly made the payment if I had been properly notified. I came into the bank as soon as I possibly could once I knew there was a problem. I have acted in fairness and been forthright, this overdraft fee should never have been imposed in the first place. They claimed they " just ca n't '' since I 've had other fees waived. I am not asking for it to be waived as a Customer Service, this is a flaw in their system, and it feels like exploitation. | ||||||
| 04/07/2016 | Yes |
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Web | Older American |
| I acquired a new XXXX automobile XX/XX/XXXX. The vehicle lease was set up ( by XXXX XXXX ) through US Bank. I had no choice in selection of the lending institution. I am the only signatory on the contract ( there is no co-lessee ). It is a 36-month lease with monthly payments of {$1500.00}. I received my first invoice from US Bank by mail on XXXX/XXXX/XXXX ( mailed to my home address ) in amount of {$1500.00} ; the first payment was made over the Internet on XXXX/XXXX/XXXX. When the initial payment was made my wife requested " paperless '' billing. We were told by US Bank that we would not receive bills in the mail but we would receive invoices via email. I received no further invoices from US Bank, either in the mail or via email. Furthermore, I received no emails, phone calls or other correspondence from US Bank regarding my account ( and will so testify under penalty of perjury ). My next contact with US bank was a letter ( sent to my home address ) dated XXXX/XXXX/XXXX, informing me that my monthly payment, due on XXXX/XXXX/XXXX, was past due. The letter indicated the total amount due was {$3000.00} and stated that US Bank had already reported me to credit bureaus. Upon receipt of the letter, I immediately contacted US Bank and made payment in full of everything owed ( including a penalty for late payment ). I explained to US Bank that I had never received any invoices by mail, or email or any phone calls, and therefore was unaware I was behind in my payments. I understood the logic regarding the penalty for a late payment ( and I readily paid the penalty ) but it seemed unjust for the bank to report me to credit bureaus when my failure to make timely payments was because the bank had failed to send me invoices. A representative of US Bank told me I could dispute their decision to report me to credit agencies. I filed a dispute in writing and received a response from XXXX XXXX XXXX of the bank 's Consumer Loan & Lease Operations Office in XXXX, Wisconsin, dated XXXX/XXXX/XXXX. XXXX XXXX stated, " US Bank conducted an investigation with respect to the disputed information '' and concluded that my account " is being reported accurately to the XXXX major consumer reporting agencies. '' I am attaching copies of correspondence and emails between me and my wife, my wife ( XXXX XXXX XXXX ) and US Bank, myself and US Bank, etc. documenting our efforts to resolve this injustice. I wrote a letter to XXXX XXXX on XXXX/XXXX/XXXX appealing that decision. It was ( and remains ) my position that it is US Bank was at fault for not billing me in timely fashion. I accept the penalty ( which I have paid ) for making my payment late, but I feel if it is egregious that I have been reported to credit bureaus and this has adversely impacted my credit rating incident. By way of background, I am a physician and have been in practice for 38 years. I have a very successful practice. During the past 35 years or so, I have leased a variety of cars through different banks. There has not been one single incidence where I was late in a lease payment, even one day. Furthermore, I have never been late in paying any debt, including multiple auto loans, credit cards, mortgage payments, etc. Fortunately, I have more than adequate funds at my fingertips to pay my bills and have never been reported to a credit agency for delinquency or any financial negligence. There is simply no reason at this point in my life that I would not pay an obligation - the only reason is that I was unaware that I owed the money because US bank did not invoice me. I politely requested of US Bank to immediately reverse the " reports of delinquency '' to the XXXX major consumer-reporting agencies. US Bank has turned down my request and rejected my appeals. I am soliciting your assistance in getting this injustice reversed. Thank you in advance for your assistance. | ||||||
| 03/28/2017 | Yes |
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| U.S. Bank 's unfair and unethical trade practices cost us {$8300.00} in factory and dealer incentives from XXXX. While U.S. Bank representatives have repeatedly told us that they are adjusting for the loss due to their deceptive practices over the past three weeks, we were finally told today that the bank has no intention of doing so and it has no intention of keeping the words of its employees who have deliberately and systematically fed us misinformation day in and day out from Saturday, XXXX XXXX, 2017, through today, Tuesday, XXXX XXXX. 2017. On Saturday, XXXX XXXX, 2017, we were offered {$7300.00} in XXXX XXXX incentives plus {$1000.00} in local dealer incentives for a total of {$8300.00}. When we phoned U.S. Bank at XXXX XXXX on that date to request an inspection and receive turn in instructions for our XXXX lease, XXXX at U.S. Bank convinced us to pass on our XXXX XXXX offer and instead to make a purchase offer on our current vehicle. XXXX told us that our current buyout price was {$19000.00} and that we could make an offer of {$16000.00} to U.S. Bank, which is more than the current value of the vehicle. XXXX told us that at worse, U.S. Bank would make a counter-offer. XXXX also told us that we would have an answer on our bid within 2-3 days to allow us to accept our XXXX XXXX offer in the event that we were unhappy with the bank 's counter-offer in the event they did not accept ours. However, what XXXX told us was untrue as U.S. Bank never did give us a decision or a counter-offer on our bid during that time. In fact, we called U.S. Bank back on Wednesday, XXXX/XXXX/17 and spoke with XXXX. She stated that there was " No decision '' on our bid. According to XXXX, a U.S. Bank manager on XXXX/XXXX/17, this was untrue as the bank had already declined our bid and refused to make a counter-offer as XXXX stated that they would. The same was true when we phoned U.S. Bank on Thursday, XXXX/XXXX/17 and spoke with XXXX. He stated that there was " No decision '' on our bid. According to XXXX, a U.S. Bank manager on Monday, XXXX/XXXX/17, this was untrue as the bank had already declined our bid and refused to make a counter-offer as XXXX stated that they would. On Monday, XXXX/XXXX/17, we called and spoke with XXXX. On that date, XXXX told us that XXXX never processed our {$16000.00} bid on Saturday, XXXX XXXX, 2017, or on any other day. According to XXXX, a U.S. Bank manager on XXXX/XXXX/17, this was also untrue as the bank had already declined our bid and refused to make a counter-offer as XXXX stated that they would. After eight days of being lied to by U.S. Bank, we made a new offer of {$15000.00}. Also, on Monday, XXXX/XXXX/17, XXXX stated that he would " have a manager call within 24-hours. '' This was also a lie as no manager or anyone else from U.S. Bank ever called. Through our experience, it has become very clear to us that U.S. Bank representatives are trained to tell customers whatever they have to tell us to get us off the phone and to have us pass up better offers on other vehicles from competing banks that work with car dealers. As we did not receive a manager 's call as promised and each U.S. Bank representative refused to transfer us to a manager, we reached out to U.S. Bank 's Ethics Department with the following message through their website. " We placed a buyout bid on our XXXX lease back on XXXX. XXXX told us that we would have an answer by the XXXX or XXXX. We called every day to follow up and were told that the bid was in process and no decision had been made. However, when we called back today, XXXX17, XXXX told us that our bid was NEVER submitted by XXXX or anyone else we followed up with, including XXXX and XXXX. Where are your ethics? '' Although the U.S. Bank site clearly states that a response would be received " within 3-4 business days '', the only response that we did receive was | ||||||
| 01/19/2016 | Yes |
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Web | Servicemember |
| I am a XXXX veteran and my wife is an XXXX with the XXXX. We changed duty stations from XXXX to XXXX XXXX, XXXX XX/XX/XXXX. We pay $ XXXX/mnth in rent in XXXX and $ XXXX/mnth for mortgage on our property in XXXX. When we moved to XXXX we put our home on sale but could n't get the value of home. US Bank authorized a short sale and our house was advertised as such. We received a letter from US Bank informing us that they would accept no less than ~ {$180000.00}. We have had a buyer willing to pay that price since XX/XX/XXXX. However, US Bank has been delaying the completion of the process. Each time the bank would request evidence, we submit the evidence but the bank will wait until month end and send us a notice that they do n't have at least 30 days to review the evidence. The bank would then request the same evidence and we would submit it in a timely manner. This process went on for over 6-7 months. We have submitted and resubmitted the same evidence over 5 times and yet we did n't get a final approval. The bank assigned us relationship managers to facilitate this process but we have gone through XXXX relationship managers due to no fault of our own. What has really frustrated us has been the fact that as of XX/XX/XXXX the bank did n't accept payments from us. I thought that this meant the process was about to be finalized but then they started reporting our account as delinquent. My realtor and I have contacted the bank on numerous occasions but no one seems to know who is doing what. The bank 's reps transfer us to the assigned relationship XXXX who never answers the phone but after several calls would inform us that all they do is act as a go-between for the bank and us. The collections arm of the bank informs us that the delinquencies are automatically reported and they ca n't do anything about that. They further state that because we are in loss mitigation ( short sale ) we have to just wait until an approval is completed. Meanwhile the delinquencies are being reported on our credit bureau profiles which is negatively impacting us and could have ramifications for our security clearances. Nobody at US Bank Mortgage has been able to satisfactorily answer our questions or taken the time to look over our file and stop any unjustified negative reports. As a military family this is placing such a weight on us. We have done everything in power to collaborate with the bank and afford them some leeway but the negative impact this process is having on us is unwarranted. We did not chose to relocate to VA but obeyed military orders and having to pay almost $ XXXX/month in rent while paying $ XXXX/month in mortgage payments is a burden we ca n't sustain. I am a XXXX XXXX veteran and currently do n't work so the financial responsibility is exorbitant. US Bank could have approved this short sale as of XX/XX/XXXX or even XX/XX/XXXX but they continude to delay the process and now we are getting significantly impacted negatively. I have made several attempts to contact US Bank outside of routine calls but have received nothing but inconclusive responses. Nearly all US Bank reps I 've talked to have expressed their lack of understanding for why getting a final decision is took so long. I thought that once we received the letter stating the minimum amount the bank was willing to accept for the sale of our home, everything would be completed. That has not been the case and we have made several compromises just to keep the potential buyer. We 've also provided US Bank with all requested evidence to make a decision on the sale but can not understand the delay or the lack of communication between different arms of US Bank. We had never been delinquent on any bills or financial obligations until XX/XX/XXXX. We have now lost the buyer and are back at square one with no hope in sight. We are in desperate need of your intervention. | ||||||
| 03/03/2019 | Yes |
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Web | Servicemember |
| The below listed letter is one of three letters sent to US Bank via email and certified letter. As of today, the alleged US Bank Account No. : # XXXX home modification is not recorded in the XXXX XXXX County Clerks recording/book and page or XXXX. XX/XX/2019 U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX, KY XXXX Re : RESPA Qualified Written Request Dear Consumer Advocacy : This letter is a qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ), Regulation X 24 C.F.R. 3500, Federal Servicer Act, the Truth in Lending Act and The Gramm Leach Bliley Act.REF : Alleged Account # XXXX. The intent of this letter is determine whether or not I have standing to dispute the validity of your lawful ownership, funding, entitlement right regarding the current debt-principal balance you allege I owe. Therefore, I am respectfully requesting the following information : The original un-certificated or certificated security, A certified copy of the recorded mortgage and modification in accordance with Florida State Statute 701.02, The chain of transfer from your organization to wherever the security is now, The claimed holder in due course of my promissory note and deed of trust is holding such note in compliance with State and Federal laws and is entitled to the benefits of my payments. In sum, I understand that under Section 6 of RESPA your organization is required to acknowledge and attempt to resolve this concern within a specific timeframe. I remain open to discuss any/all options regarding the alleged Account No. : XXXX. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2019 U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX, KY XXXX XXXX : Account # XXXX Dear Consumer Advocacy : This letter will serve as an advisory that I am pursuing a Quiet Title lawsuit against your organization. This letter also serves as a Letter of Demand for a Satisfaction of Mortgage and Cease and Desist for your organization to stop Requesting Payment for this fraudulent mortgage and /or Fraudulently Reporting Adverse and Derogatory Information to the credit bureaus. The letter is filed pursuant to the Uniform Commercial Code 9-203. Attachment and Enforceability of Security Interest ; Proceeds Supporting Obligations ; Supporting Obligations ; Formal Requisites, Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ), Regulation X 24 C.F.R. 3500, Federal Servicer Act, the Truth in Lending Act, The Gramm Leach Bliley Act, The Florida Consumer Collection Practices Act-FCCPA 559.72 ( 9 ), Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681t ( b ), Federal False Claims Act, 31 U.S.C. 3729 ( a ) ( 1 ) ( A ), Florida State Statutes Chapter 701 Assignment and Cancellation of Mortgages and Florida State Statutes 817.545 Mortgage Fraud, Florida Racketeering/RICO Statutes 895.03, Florida State Statutes 65.081 and Florida Declaratory Judgment Act ( the Act ) reference : alleged Account No. : XXXX. On XX/XX/2019, I received the following secured email correspondence from your organization indicating : Per review of your original loan documents, we are showing your loan was originated by U. S. Bank Home Mortgage and not registered under the XXXX XXXX XXXX XXXX ( XXXX ) at origination. Since your mortgage was not registered with XXXX it would not have an 18 digit Mortgage ID number assigned. At this time your organization has failed to fulfill the Qualified Written Request forwarded via email on XX/XX/2019 and sent certified letter. Therefore, I am forced to pursue a Satisfaction of Mortgage and requesting that your organization Cease and Desist from Requesting Payment and Fraudulently Reporting Adverse and Derogatory Information to the credit bureaus. Respectfully submitted, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Florida XXXX | ||||||
| 01/14/2017 | Yes |
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| My home was flooded on XX/XX/XXXX. Since that date I have been working diligently with my insurance adjuster and my mortgage company to get my damages estimated and the settlement checks negotiated. The 1st check from my insurance company for advance payment to be used for emergency repairs in the amount of $ XXXX was issued to myself and US Bank on XX/XX/XXXX. Once I received the check I endorsed the back of the check and paid to have it overnighted to US Bank on XX/XX/XXXX in order to help expedite the process of getting funds released in order to get started with emergency repairs such as clean up and removal of water damaged finishes to prevent mold growth and replacement of damaged equipment such as air condensing unit. US Bank refused to release any of the funds until I provided them with the Insurance Company Adjusters Worksheet, Signed Contract/Proposal, Contractors Waiver of Lien, Internal Revenue XXXX for my Contractor along with a Copy of the Contractors License. My Insurance adjuster then wrote a letter to US Bank on XX/XX/XXXX explaining these funds were for the Advance Payment for the purpose of EMERGENCY REPAIRS to preformed. I forward my adjuster letter along with my own explain the urgent need of fund to be released in order to start the emergency repairs and clean up. US Bank again denied any funds to be released due to the dollar amount of the check being $ XXXX. They advised me to contact my insurance company and have the check re-issued for a lower dollar amount. Told me had the check been in the amount of $ XXXX they could have released the funds already. My insurance company refused to re-issue another check citing the amount is what the adjuster requested for you to be able to begin the emergency process. I then went back to US Bank asking for an exception to be made to release at least $ XXXX being I was told if check was issued for lower amount I would already have my funds. My request was escalated on XX/XX/XXXX to a resolution team for review but takes 3 to 5 days for review. When I called to follow up on the exception request on the 5th day afterwards XX/XX/XXXX I was told the request was not submitted until XX/XX/XXXX. No explanation as to why it took 2 full days to be submitted. Again I would have to wait 3 to 5 business days before I would have an answer. On XX/XX/XXXX US Bank approved for only $ XXXX of the initial advance payment would be released. A check was then released on XXXX/XXXX/XXXX in the amount of $ XXXX. I have since forwarded all copies of all paid receipts along with all docs required and the 2nd check released from my Insurance company in the amount of $ XXXX. and overnighted to US Bank on XX/XX/XXXX. Followed up with US Bank on XX/XX/XXXX and was told I had to request 1st draw. I requested 1st draw and was told I would receive a check for $ XXXX and would then need to call for inspection once I reached 50 % complete before any more funds would be released. When I received the 1st draw that was requested the check was in the amount of $ XXXX vs $ XXXX as stated. I have placed numerous calls to no avail. I have also requested for my paid receipts that US Bank has had on file since XX/XX/XXXX to be reimbursed and that too has had to be escalated to a committee for review. I was not aware that once I sent in my paid receipts that I would have to request reimbursement until I spoke with someone at US Bank on XX/XX/XXXX in which I immediately requested. Today I was told that the request of reimbursement was not submitted until XX/XX/XXXX. This Customer Service or Lack of Customer Service is unacceptable. US Bank has held onto my Insurance funds and is preventing me from being able to move forward with the rebuild process. There is no way to get to 50 % complete on a 1st draw amount of $ XXXX. I know of no contractors that will work for free and wait to be reimbursed! | ||||||
| 10/21/2016 | Yes |
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Web | Servicemember |
| My complaint is w/ US Bank . My husband and I are XXXX military, in XXXX XXXX we received orders to move after living in our homes for XXXX yrs. The housing market was upside down and we were unable to sale our home. After renting it out for 2 yrs then having difficulty finding new renters we decided to apply for a shortfall under the prgm we thought was to assist military members in our situation. We submitted the first shortfall application in XXXX once we had buyers. After many errors w/ the bank and XXXX different relationship managers the shortfall process went over a year, by then our buyers were tired of waiting and backed out. The bank later counter the offer but by then there were no buyers so the shortfall was closed in XXXX. We were unable to continue to maintain XXXX households so we fail delinquent. We then submitted a Deed In Lieu application, while waiting we got another offer so we requested the shortfall review again in XXXX XXXX. This time the bank entered the address wrong so instead of fixing it they made us resubmit all the documents with the incorrect address. It did n't seem like a valid solution but we did hoping it would get our package moving. Instead they came back requesting we got a letter from the township verifying the address, they then requested we have the address changed on paper, which the township would not do. Finally, we were told that the bank would figure it out. Once that was resolved they continued to request document after document every week, to include the sale agreement/contract, listing agreement etc. In the process we again went through XXXX relationship managers. The package was not deemed complete until XXXX XXXX, XXXX, which then we were told by our new relationship manager that the shortfall will now be reviewed and it should take 30-45 days to hear back with a decision. A little over a month I contacted the relationship manager, she then told me that our shortfall was denied but we were approved for a modification loan, even though we never applied for a modification loan. After trying to get clarification, she then told me that the shortfall was never looked at and that we were only considered for the loan. I was completely confused because 1. we only submitted a shortfall package 2. we were specifically told over the many times I called for a status fearing we would lose buyers again I was consistently told that our shortfall package was being reviewed and that shortfalls are n't as easy as regular sales and tend to take much longer. I just told to either accept the modification loan or appeal and request a shortfall. However, my buyers have been waiting 7 months and now discouraged to know that they have been waiting all this time for nothing. We were essentially lied to and misled by the bank for 2 years. My husband and I are both XXXX military which the bank is fully aware of, we 've provided documentation as well as it being acknowledged many times, we will never move back to XXXX so we would have never requested to keep the house, especially when we had people wanting to buy it. Our credit has unfortunately gone from excellent to bad over the past 2 years because we were unable to continue to maintain XXXX households. If the bank had been honest with us we could have looked into other options, instead they strung us along for over 2 years. Dealing w/ this bank has been a complete nightmare and has caused a considerable amount of stress. Most of the relationship managers did not keep us informed and some were very rude. The entire experience w/ US bank has been extremely unprofessional. My realtor has been in this field for yrs and has never seen this happen. I 'm hoping to get my concerns addressed and receive clarification on what really happened with my case. I also believe this bank 's processes need to be investigated. Thanks for your assistance. | ||||||
| 01/17/2019 | Yes |
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Web | Older American |
| The issue is Elder Financial Abuse and Failure to Follow California Controller 's rules concerning abandoned Cashier 's Checks. On XX/XX/XXXX I received 5 Cashier 's Checks sequentially numbered XXXX ( {$8000.00} ), XXXX ( {$8000.00} ) XXXX ( {$8000.00} ), XXXX ( {$8000.00} ), and XXXX ( {$8000.00} ) from US Bank located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX, Assistant Manager handled the transactions. Shortly thereafter, I could not locate the 4 of the checks. I reported the issue to Ms. XXXX, and she stated not to worry as the checks were valid " for a lifetime '' because they were cashier 's checks. I wanted to replace the checks but Ms. XXXX stated since I did not know the date I received the checks and the check numbers, she could not help me. I would have to locate the checks. Six years later, XX/XX/XXXX, I found the missing 4 checks. I went to the same XXXX XXXX branch that issued the checks to cash the checks. I was told by the cashier that the checks were negotiable, but the cashier said she wanted to check to make sure. She made a call to US Bank administration in front of me. When finished, she said the checks were on-negotiable as they had escheated to the State 's unclaimed property dept. " If you want your money, contact them. '' Left the Cashier and used my cell phone to contact the CA unclaimed property dept 's website. Per law, US Bank was to notify me that the checks were being turned over, escheated, to the State. I was not notified. Further, the funds were not turned over to the Calif Controller 's officer per law. US Bank kept the entire funds and numerous times denied having the funds. I used my cell phone to check the Calif unclaimed property dept 's website. My name was not listed. I called the CA department 's office and after checking the office stated no funds were transferred by US bank in my name. US Bank failed to adhere to the State 's laws about unclaimed/stale funds, i.e., see rules posted on https : //sco.ca.gov/Files-UPD/guide_upd_updlaw.pdf I returned to the cahier 's area and then two more cashiers got involved as well as the Branch Manager, Ms. XXXX. Step 4 : What company is this complaint about? Elder financial abuse by the US Bank and its employees who not only denied having my {$32000.00} funds, but lied the funds whereabouts, lied to me about the funds being transferred to the State Controller/Unclaimed Property Dept, and failed to correspond with and transfer the stale checks to the Controller/Unclaimed Property Dept.. The entire 6 years, US Bank had my funds and paid no interest on the funds. Step 5 : Who are the people involved? Former asst. manager, XXXX XXXX. Branch Manager, XXXX XXXX and various cashiers ( everyone got involved [ head cashier, and two other cashiers [ names unknown ] who all stated US bank did not have my funds ). All these cashiers and branch manager were at various times on the phone to US Bank administration determining where my money was. The persons on the other side of the phone stated the funds were with the State of Calif and to check with them. I left and returned after I checked with the State of California, unclaimed property dept. Finally, not only did the various cashiers state but XXXX XXXX also stated that US Bank 'XXXX up ', i.e., by law, US Bank failed to notify me that the funds would escheat. Further, US bank never notified the Calif Controller/unclaimed property dept that my funds were going to escheat ; and, US Bank never transferred the stale funds but kept my {$32000.00} secret from me and the State. It appears US Bank kept the funds for itself Further, US Bank and did not pay me any interest on the funds. After hours of working to resolve this issue that US Bank stated was not their problem, US bank issued four consecutive checks # XXXX, XXXX,XXXX, and XXXX to replace the XX/XX/XXXX checks. | ||||||
| 10/12/2016 | Yes |
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| We had set XXXX letters out to be mailed that had checks made out for bills. A woman, we have security cameras so we could see her, stole the mail. She then signed and cashed the checks. The name she endorsed on the checks was not even close to the payee names. We filed the fraud with our local US Bank branch. We also filed a police report including giving the officer a video of the woman taking the mail. The checks were cashed on XXXX XXXX, 2016. I notified our branch on XXXX XXXX, 2016 after I noticed the fraud. I filled out affidavits for both checks, gave the police report number, and was told we had to open a new account, which we did that Friday. The contact person at the bank said she would turn all paperwork into the fraud department. After a few weeks, she was calling saying how we had to have a copy of my check register showing the XXXX check had been altered. The numerical amount had a XXXX put in front of the other numbers. The spelled out amount stayed the same. Another reason that check should not have been cashed. We were told it was under a certain monetary amount so they do n't check for those things or the endorser.The copy was taken down to our branch and handed to the contact person there about the middle of XXXX. Since then we keep getting told that we have to fill out new affidavits because the bank person filled it out incorrectly, which I did. I then received another request to fill out another affidavit. This time I called the Fraud dept & asked exactly what they wanted me to mark on it. I then faxed it to them. At a later time a call was made to the fraud dept to ask if they had everything. We were told yes they did, it was in review and we should here something in about 20 business days. Today, XXXX, 2016 we received letters stating they needed another affidavit filled out by us and one from the businesses that were the payees. We had told them before we could not get the businesses to fill out the affidavit and they told us they would wave that requirement. When I called them I was then told by the XXXX person, XXXX, that they never waved that requirement and they never received a copy of the check register. When asked why they really needed it he said to prove it was altered. To me all they had to do was look at the check. I 've sent the same amount to the same business every month for about 7 years now. When I told him we had given a copy of the check register to the contact at the bank he put me on hold so he could call the branch. While I was on hold I heard a ringing like he had transferred me then it hung up on me. When I called back I got another person & had to start all over explaining things. She in turn tells me they never received any paperwork on the fraud case. No affidavits, police reports, check register, nothing. I told her to talk to XXXX. She came back on saying that now we were missing paperwork, she did n't know what all, but she did know the affidavit for the altered check & proof that it had been altered. I argued that it was endorsed by someone who it was n't payable to but she said it did n't matter. She said the contact person at the bank did not do her job by submitting the paperwork we gave her. We do n't understand 1 ) how these checks were even cashed 2 ) why we keep getting the runaround 3 ) why they wo n't give us our money back when it was their fault not ours. How can they continue to change their story as to the reason we ca n't get our money back? How can we be told for 3 weeks they have everything they need from us but then say we do n't have anything, and then change it to we still need a XXXX affidavit for the same check & proof the check was altered. No 2 people can give us the same answer. It 's like they are purposelessly making it difficult for us hoping we will give up. We did nothing wrong, the bank did when they paid those checks. | ||||||
| 06/09/2019 | Yes |
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| We found out that our county ( XXXX County, Fl ) was starting a sewer project to our neighborhood to get us all off of septic tanks due to the Septic tanks ruining the XXXX XXXX. Everyone 's was informed that you would pay higher property taxes for this project. They would lay the sewer pipes, hook your house up to sewer, crush your septic tanks and pave your road. We contacted our mortgage company US Bank Home Mortgage to see about refinancing our home to prepare for the higher property taxes. We knew with my wife having medical issues and one of our XXXX having sever XXXX and a family of XXXX our mortgage going up would hurt us. The mortgage company told us that we couldn't refinance to see if we could get a modification. We then called the modification department were they told us that unfortunately we had to be three months behind before they would mail us a modification packet this was all around XX/XX/XXXX to XX/XX/XXXX. We hired a lawyer in XXXX of XXXX which is when we did get behind on our payments. We just couldn't pay lawyer, house payments and medications for my wife and our XXXX son. We ended up having to hire another lawyer in XXXX who has been requesting the mortgage company to mail her a modification packet so we can fill them out and send it in. She has been requesting for this packet since XX/XX/XXXX when we hired her. At this time the mortgage company refused to answer any of our calls and when we called and put our loan number in a recording came on saying " we can not take your call at this time '' and would hang up. We would then call and not put our loan number in, so a person would get on the line. When a person got on the line they took down our loan number and would transfer our call once we were transferred that recording would come on telling us " we can not take your call at this time '' and would get hung upped on. It wasn't until XXXX Of XXXX when a representative from US Bank Home Mortgage gave us a card with a number to call after a canceled court date. We were finally able to find the modification packet online in XXXX of XXXX. US Bank then denied us a modification with no notification of denial. We applied again at the end of XXXX beginning of XXXX of XXXX. Now that it has been two years they refusing to modify our loan saying they would have to redo our entire loan and we are scheduled for Trail for XX/XX/XXXX. At our last court date it was discovered that the mortgage company has been mailing all the mail to the wrong address this entire time. After that court date and the claims we the homeowners made ( which are all the same claims stated here ) US Bank Home Mortgage sent me a letter addressed to our lawyer stating that they found no proof to our claims made at court and that all the mail was mailed with the correct address to our lawyer. In this letter they sent me that also claims they mailed all mail to the correct address they have on file. This letter also also has a copy of the denial letter that was " mailed '' in XXXX that clearly shows it was sent to the incorrect address. The mail is not recieved if it doesn't have " XXXX XXXX # XXXX '' on the mail. It goes to a different address which it is then sent back to US Bank. Also A loan officer at our mortgage company emailed me a copy of this last denial letter in XX/XX/XXXX because I said how our lawyer had not received a denial letter. On this denial letter it also clearly shows they had sent it to the wrong address. So they are now lying to cover up their mistake in this letter they sent to us. This entire time we could have applied for a modification and got approved if they had sent those packets to the correct address in XXXX if they truly did send them. Why should we pay for US Bank Home Mortgages fault in sending packages and documents to the wrong address and lose our home because of their mistake? | ||||||
| 11/23/2016 | Yes |
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| Signed and Sealed under Affirmation, True to the best of our knowledge and belief. To : Federal Trade Commission, Consumer Financial Protection Bureau From : XXXX XXXX RE : Violators ; US BANK HOME MORTGAGE/ ACCOUNT NO. XXXX By and through XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX This is a complaint of federal violations ; Pursuant to the Federal Trade Commission Act, Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 619 Obtaining information under false pretenses, And The Consumer Financial Protection Act of 2010 ( XXXX ) ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203. Bank : US BANK HOME MORTGAGE/ ACCOUNT NO. XXXX By and through XXXX XXXX ; Have committed the following numerous violations ; XXXX XXXX and XXXX XXXX have not given any prior consent for the aforementioned debt collector to communicate, violation of XXXX. Communication in connection with debt collection ( a ) [ Communication with the consumer generally and ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ] US BANK HOME MORTGAGE/ ACCOUNT NO. XXXX By and through XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX are abusing their power 's through said Attorney Firm. XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section XXXX ( XXXX ) or XXXX ( XXXX ) XXXX of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX are using false or misleading representations. 1. ) Threatening the sale of property. 2. ) Law Firm has not produced any lawful valid representation/ delegation of authority from US BANK HOME MORTGAGE. 3. ) US BANK HOME MORTGAGE, has acquiesced pursuant to collateral estoppel as debtor to XXXX XXXX and XXXX XXXX for the past ( 5 ) Five years XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- [ ( A ) the character, amount, or legal status of any debt ; or ] ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court | ||||||
| 03/24/2017 | Yes |
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| There are multiple issues with U S Bank. I opened a checking account in XX/XX/XXXX, I set up direct deposit for a monthly pension payment and my weekly paycheck. My XX/XX/XXXX pension payment went into a closed account at another bank this was my fault, the payment is availiable on the first of the month I called the closed account bank and they transfered the money to my account at U S Bank the next day US Bank received the funds on XXXX a Tuesday. US Bank did nothing they held the money not even returning it to the pension fund which is handled by US Bank. Normally one would expect the money to be put into my account or returned to the pension fund, neither happened they held it when I called the pension office friday the XXXX of XXXX to check they said they did not receive the money and the pension office would call their US Bank rep. and call me back. When called back the pension office said the money would be put into my account that day. It did not happen The money did not go into my account until XX/XX/XXXX. I made many phone calls to US Bank and was rudely treated and told they do not hold peoples money, but they did my account became overdrawn and they charged many o/d fees when I complained they said nothing could be done about the fees unless it was a bank error. I said it was and again was told they do not hold peoples money. I have been frustrated and have called many times promised call backs that never happen, calls to the customer service center have been very difficult. You can not talk to anybody but the call center no one above a supervisor at call center that 's it. I tried to call corp. head quaarters and the number listed for corp. headquarters was for hearing impaired help. I should have been treated better and no fees to account and have a say in the matter as to them taking liberty with my money and accessing unfair fees in this instance and say they are sorry for this happening. Some call center reps could not believe what happened but said system woul not allow them to do anything. Now the second instance when I opened account mobile banking was availiable to me for deposits, you take a picture of check on the app. and it gets credited to account when cleared.. I tried to do this with a check and it was declined when I called the bank I was told you ca n't do a check for more than {$200.00}. I explained The check was for {$1000.00} and nobody told me about this limit on new accounts, well that 's the way it is they told me, I said what do I do now there answer you have to cash check some other way, great answer, I said that does not address the issue and what I was not told. They then offered bank by mail, I said I do n't know anything about that., they told me just sign the back of the check and write for deposit only under signature and put in a envelope and mail to address they gave me, A little leary I said no deposit slip or anything else they said no, when the teller opens the envelope they will look up the name and account and deposit it into my account. So this is what I do on XX/XX/XXXX first thing in the morning I mail it. I know with the holidays mail could be a little delayed Nothing happens I call the bank they say they did not receive the check, no what give it a few days ok I say then on XX/XX/XXXX I receive a call saying they received the check and they sent it back to me, shocked I said why would you do that, they said no account was written on check for deposit, I said I did what I was told to do and even questioned the process, and asked why would you not call me, they had no answer. So now the only thing happening is fees being attached to my account. They said They sent it back on the XXXX of XXXX I did not receive the check until XX/XX/XXXX. letter dated XX/XX/XXXX, mailed XX/XX/XXXX XXXX a sunday, XXXX Holiday, received XX/XX/XXXX.??? how can that be | ||||||
| 08/31/2016 | Yes |
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| We feel that US Bank has been stringing us along for the past 2 years and all we are wanting is an answer to our request for mortgage assistance. It started in XXXX XXXX US Bank closed our checking/savings accounts due to an overdraft that was done by the Garnishment for XXXX XXXX. In XXXX XXXX, I had to close my XXXX XXXX due to the families moving out of state. In XXXX XXXX, my SSI income stopped coming in due to our son turning XXXX. In XXXX XXXX, we took in XXXX children due to XXXX and this caused our monthly living expenses to dramatically increase. We contacted US Bank for assistance with our 1st mortgage and submitted our paperwork in XXXX XXXX. Between XXXX and XXXX we had multiple document requests from US Bank and were advised that on XXXX/XXXX/XXXX US Bank had a complete application. However, in XXXX XXXX we received notice that our application had expired and that we needed to resubmit everything. We fell behind on both our 1st & 2nd mortgages in XXXX XXXX. In XXXX XXXX we reinstated our 1st mortgage. We received several more document requests from US Bank between XXXX XXXX and XXXX XXXX before we received a denial letter in XXXX XXXX and the reason US Bank denied our application was due to insufficient documentation. In XXXX XXXX we received a letter from US Bank that they were going to begin the foreclosure process on the 2nd mortgage. In XXXX XXXX, we received the Notice of Request for Resolution Conference for the Oregon Foreclosure Avoidance Program for the 2nd mortgage. We started working with the local HUD Housing Counselor, XXXX XXXX with XXXX XXXX, in XXXX XXXX. XXXX submitted a packet to US Bank for the 2nd mortgage on XXXX/XXXX/XXXX. However, in XXXX XXXX we were advised that US Bank had to complete a review on the 1st mortgage before they could make any determinations for the 2nd mortgage. On XXXX/XXXX/XXXX we met with US Bank for the Resolution Conference, we were given a list of documents that were still needed. The underwriter was having difficulty understanding our income situation. We paid off the 1st mortgage on XXXX/XXXX/XXXX and when XXXX reached out to US Bank she was advised that the packet we submitted in XXXX had expired and a brand new one needed to be resubmitted again. We resubmitted our packet again on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we received confirmation that our packet was complete and under review. We have received multiple document requests since then. After our XXXX Resolution Conference, we had a 2nd conference scheduled for XXXX/XXXX/XXXX. However, US Bank was not ready at the 2 week checkin and asked for an extension, Conference was moved to XXXX/XXXX/XXXX. Yet again, US Bank was not ready at the 2-week checkin and asked for another extension, Conference was moved to XXXX/XXXX/XXXX. Due to a last minute document request from US Bank we asked for an extension and the Conference was moved to XXXX/XXXX/XXXX. We provided all requested documents and were ready to attend, however US Bank still did not have a decision and requested another postponement at the 2-week checkin. We agreed again and the Conference was moved to XXXX/XXXX/XXXX. Two days before the conference, we received a request to reschedule because US Bank still did not have a determination. After consulting with our Housing Counselor we agreed to the postponement and the conference was moved to XXXX/XXXX/XXXX. US Bank had reported as ready for the conference at the 2-week checkin, however two days before we received an email from them asking to reschedule due to them not having an answer yet. We agreed and the conference was moved to XXXX/XXXX/XXXX. At the 2-week checkin US Bank reported as ready however, days before the conference they came back asking for yet another reschedule. We agreed for what will be the last reschedule of the 2nd conference and it has been moved to XXXX/XXXX/XXXX. | ||||||
| 08/03/2016 | Yes |
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| This is the second time we file a complaint against US Bank 's stance and lack of cooperation in following the guidelines in the Making Home Affordable program. A year has passed since we first reached out to them and our primary mortgage company. A settlement has been established, a settlement that falls under the government program 's parameters, and yet US Bank continues to give us the runaround and refuses to acknowledge our primary mortgage 's role and offer. After going back and forth with US Bank since last year, sending them all the required documentation, applications, forms, proof of income and hardships, etc., ( multiple times ), we now received a letter dated XXXX XXXX, 2016, stating that we have not been approved to participate in a loss mitigation program. That the documentation they have reviewed still deems our application incomplete and insufficient to evaluate the proposed short sale transaction, therefore foreclosure activities - including the scheduling and conducting of a foreclose sale- will continue. We have never discussed a short sale with US Bank. It has always been, verbally and in writing, a request for a Died in Lieu which our principal mortgage, XXXX, has already accepted and has offered US Bank the XXXX settlement specified under the HAFA program. US Bank does in fact participate in the MHA program, but based on the time they have let pass, it 's been nearly a year since we began the process, it seems very much like they are stalling and seem to prefer to have our home go to foreclosure rather than receive the settlement money negotiated by XXXX. They are not even entertaining the notion of finalizing our request with a settlement that the government program allows. The same letter mentioned above states that we do have the opportunity to resubmit a new application. But we are aware that the government assistance programs will no longer be available next year. If we start over again, we 're afraid the agreement that has already been set in motion, will be jeopardized because of US Banks ' apparent lack of interest in opening up a review process of the settlement. Dates related to the issue : XXXX Personally was able to speak to someone at US Bank XXXX They stated that they had not received any of my emails, phone calls or the original documents that had been mailed to them via traditional mail. XXXX Emailed to US Bank all previously mailed documentation sent on XXXX/XXXX/16 which included : XXXX from -Borrower Acknowledgement of Retention Option stating that we did not wish to be considered for a modification because there was already a negotiated settlement for review. -Acknowledgement letter -Additional explanation of hardship -MHA Affidavit -Paystubs -RMA application XXXX filed first complaint to CFPB. XXXX Per US Bank XXXX sent out another application for the Making Home Affordable Assistance program and the tax form XXXX Also sent new pay stubs, copy of the same letter previously submitted requesting US Bank to review our request settlement of {$12000.00} via the HAFA program to settle and release their subordinate mortgage lien on our property. XXXX Per US Bank XXXX sent them our primary mortgage statement. XXXX Per US Bank XXXX sent them new pay stubs. XXXX Spoke with US Bank mortgage assistant point ( rel. manager was not available ). She confirmed receipt of the additional documents they requested and said that at her level, they have no knowledge about the settlement offer. The only information she was able to provide was that the next step is to haveour documents sent on to calculations and the negotiator who will assess our property value, among other amounts, and get back to us. XXXX a letter from US Bank in XXXX, sent out updated documents needed to update our file. XXXX received notification from US Bank stating insufficient documentation | ||||||
| 11/15/2023 | Yes |
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| My complaint is against Elan Financial Services, who provides customer service for my credit card XXXX XXXX XXXX XXXX XXXX. {$4200.00} is lost in the XXXX system and hasn't been located/tracked down. My initial contact was a phone call on XX/XX/XXXX. I spoke to a representative in customer service to request a credit balance refund of {$4200.00}. The representative submitted my request and advised me that standard processing time was 15 days. I was to expect a paper check in the mail. I received a letter from XXXX XXXX dated XX/XX/XXXX. It states " Thank you for contacting XXXX XXXX with your credit balance inquiry. The requested credit balance refund of {$4200.00} has been issued electronically to the account from which the most recent payment ( XXXX ) were withdrawn. '' I also received the XX/XX/XXXX statement that shows I have a credit balance of {$4200.00}. There is a note in small print on page XXXX " Your account has a credit balance ... If you would like a check mailed to you in the amount of the credit balance, simply call us and speak to a representative. '' With these documents in hand, I made second contact as a phone call on XX/XX/XXXX. I spoke to a representative who explained that probably more time was needed for the XXXX transfer to settle and clear. I complained that I was told that I would get a check in the mail, not an XXXX transfer. XXXX, they told me to contact my banks and inquire where the refund was. Yet they couldn't tell me what bank institution they sent the money to. That is terrible customer service, not a resolution, by rejecting responsibility and blaming the banks. I made third contact as a phone call on XX/XX/XXXX. I spoke to a representative who again couldn't tell me what bank they sent the money to. Frustrated, I escalated the call and spoke to a XXXX XXXX. I told XXXX that I contacted each bank I use and they don't see and haven't received {$4200.00}. Each bank can't do anything without a tracking number. Elan Financial Services has me going in circles for no reason. XXXX submitted a request for a long tracer number for the {$4200.00}. XXXX said look for a letter in USPS mail from XXXX XXXX on envelope in XXXX days. The long tracer number can be used to track down the XXXX transaction. No letter came in the XXXX postal mail. No resolution was reached. I made more contact to the company as phone calls on XX/XX/XXXX and XX/XX/XXXX. I spoke to representatives who weren't helpful in this matter at all. I haven't received a letter from XXXX XXXX in the USPS postal mail. Each one reads the notes on the account and say an inquiry has been made for the long tracer number. I repeat that I have contacted each bank I use and they need a long tracer number to find {$4200.00}. On the phone call on XX/XX/XXXX, I spoke to XXXX XXXX who said the inquiry is noted to expire on XX/XX/XXXX for the long tracer number and they should have it then. I tell the Supervisor that I haven't received a letter from XXXX XXXX in the USPS postal mail. No resolution was reached. My last contact to the company was a phone call made today, XX/XX/XXXX. I spoke to a representative who again reads the notes on my account and tells me the worse news. The inquiry for long tracer number has been reopened because they can't find it. I explain that I am highly frustrated with their terrible service and escalating this matter with the government, Consumer Financial Protection Bureau. It is unacceptable that Elan Financial Services held the money, disbursed it into the XXXX system and now its lost in the system. They don't accept responsibility for an error made. XXXX system was created to be more reliable than mailing a paper check in the mail. Elan Financial Services needs to step up and know exactly where money is at times, track it down, and most importantly, how to deal with it if it gets lost. | ||||||
| 10/30/2015 | Yes |
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| Complaint Re : Unfair, Deceptive and Abusive Acts & Practices ( US Bank and XXXX XXXX XXXX ) Key Complaint : US BANK via XXXX XXXX XXXX ( payment collection Company ). charged me a 2,250 % undisclosed Processing charge, has provided deceptive billing and engaged in unfair practices to increase charges. On XXXX/XXXX/15 we rented a car from XXXX XXXX. Upon leaving the store we found ourselves driving on a toll road. We contacted XXXX XXXX and was told that " you should of purchased a " plate pass '' and that we would be charged an " undisclosed administrative fee and additional fees at XXXX XXXX " discretion ''. We were NEVER offered a Plate Pass, Never heard of it, and Never Accepted the terms of being charged " undisclosed fees '' at " XXXX discretion ''. The next day I contacted the North Carolina Turnpike Authority to pay the toll directly. I was told by an agent that there was no bill pending and that I would need to wait until a bill is generated. I called the Turnpike authority on back on XXXX/XXXX/15 and again no invoice was found. On XXXX/XXXX/15 I received a bill in the mail from XXXX XXXX Services stating that on XXXX/XXXX/15 my credit card would be charged {$47.00} For : Toll Charges : $ XXXXAdministrative Fees : XXXXTotal XXXX! The XXXX stated that I XXXX provide proof of payment to the toll issuer to clear the matter. However, on XXXX/XXXX/15 when I contacted the North Carolina XXXX XXXX and requested to pay the {$2.00} outstanding toll charge, I was told they have no record of the toll and that I should contact Dollar rental to get an Invoice #. Per their suggestion, I called the Dollar Processing Services and was directed, According to their automated system, to US BANK processing services. I spoke to a representative who stated that they do not provide invoice numbers for toll transactions. I asked if we could contact the Turnpike Authority together via conference call, she stated she can not call outside companies. I said I would initiate the call, she refused. She gave no option to dispute the charges stating that XXXX has " probably already paid the charge and therefore the Administrative fee is accurate ''. I then contacted the State Turnpike authority and asked again if their is any way to pay and was told that there is NO RECORD of a toll and that without an invoice # there is NO way to determine if their ever was a toll. I asked if I could mail the {$2.00} anyway to show proof that payment was made. I was told the funds would not be accepted since there is no bill. This is clearly a scam. As a consumer, I am being billed for a service I did not authorize., I have received no evidence a service was ever used, and though the bill states that I have a remediation alternative of paying the bill directly and avoiding the administration charge, the Processing Company refused to provided the key information to allow me to do just that. The billing process from the bank is unfair and deceptive since they actively withhold key information to allow me, the consumer, to pay the bill directly ( to the toll issuer ) to avoid the administrative fee, and Abusive considering that they have charged a {$45.00} undisclosed admin fee for a {$2.00} bill. That is a 2,250 % processing charge! Also, to note, The State Turnpike Authority stated they have had several calls recently from other consumers with the same complaint. Since the state has no way of verifying these invoices, XXXX has the ability to falsify these bills and collect additional fees. Given XXXX has my credit card on hold, I have been in contact with my respective bank since XXXX/XXXX/15 documenting all these issues. I have also written a letter to the Department of Consumer Affairs and I intend to dispute this charge with my bank. However, I fear that failure to pay may result in a collection that could later damage my credit | ||||||
| 10/10/2015 | Yes |
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| We have owned our home since XX/XX/XXXX. In XX/XX/XXXX when I became XXXX, and later my partner became XXXX due to XXXX, and XXXX we had reached out to XXXX Neighborhood Housing Services which is a HUD approved counseling agency in our area for assistance with a modification program that we had heard had been approved for qualifying homeowners who 's income had changed due to loss of income. The interest rate that we paid then and now is still 6.125 % and our monthly payment is {$1000.00}. per month. This included PMI, house insurance, and taxes. Our " HUD approved '' XXXX Neighborhood Housing Service counselor told us that they had helped hundreds of people in the area with foreclosure and they advertise this on their webpage, along with the fact that they represent you and " negotiate '' with your lender. In the first meeting back in XX/XX/XXXX we were told we did n't qualify for the specific " program '' that had rolled out, however we should check back. In XX/XX/XXXX after struggling we checked back after hearing about additional programs and getting nowhere with U.S. Bank. Again, we were scheduled to meet with another HUD approved counselor and asked to fill out one of " their packets '' so they could get paid by XXXX. On the day of the meeting XXXX had us in his office for only fifteen minutes ( we were told the meeting would last over an hour ) and ushered us out of his office after just a few question. He was visibly uncomfortable with the fact that my partner XXXX from his XXXX ( this occurs worse when he is under stress ). When reaching out to shake XXXX hand, he declined both our hands only saying he would make contact with out bank and let us know. After not receiving a call back from XXXX, I called them to inquire. We were informed that U.S.Bank told XXXX at XXXX that we could make our mortgage payments. I informed him that the only way we could continue to make our mortgage payment was if we went into further credit card debt. He had no additional recommendations and did not seem at all concern considering we had told him we wanted to keep our home. We tried again to work with U.S.Bank directly sending several packets requesting modification. On multiple occasion with these packets we would send the requested information only to hear that they needed addition docs. After sending the additional docs. U.S.Bank would state that the information had not been received, and our case had been closed. We would fill out another modification request and be sent to another " account point of contact person '' only to have the person be changed. U.S. Bank actually denied us a modification packet at XXXX point saying " we were to cash poor '' this was after telling KNHS " we could make our payments '' back in XX/XX/XXXX. This forced us into bankruptcy. Once again we returned to XXXX and requested another XXXX. Again, we were required to fill out XXXX modification packets for XXXX. During this XX/XX/XXXX meeting XXXX with XXXX stated that we should have been approved for a modification since we met the qualification back in XX/XX/XXXX! I continued to email XXXX at XXXX up until XX/XX/XXXX. She verified in XX/XX/XXXX that all of our documentation had been sent to U.S.Bank and that they would contact me with an update. I shared with her my concern about U.S.Banks " pattern '' of letting customers documents " expire '' and therefore continuing to close, deny, or require a new packet. After several e-mails XXXX our HUD approved counselor with XXXX was no longer responding. I contacted U.S.Bank directly and was informed by XXXX the latest " account rep '' that she could not read the info. sent by XXXX so instead of calling them, U.S.Bank again let the packet expire! I called FHA for assistance, they forwarded it to HUD. No help! XX/XX/XXXX U.S. Bank has scheduled to sell our house in a sheriff sale! | ||||||
| 10/09/2015 | Yes |
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| On XXXX XXXX, 2015, a XXXX XXXX XXXX, who I have never met in a bank branch of Us Bank I went to XXXX as their ATM generally never worked either, discretionarily decided to remove {$330.00} from my bank account in a manual adjustment diverting funds from a check a customer wrote to me XXXX/XXXX/15 which was deposited XXXX/XXXX/15 and cleared their bank in the normal 3-5 days. It had been nearly impossible to deposit even by DepositPoint, which rejected it the first time completely, the second time rejected the completely lawful endorsement, and the third time took it with the CPA after my name added at the suggestion of customer service at US Bank. XXXX did so in a harassment scheme that continues to escalate and is the work of a XXXX predator. She blocked all deposits to the account as per the attached and blocked the automatic overdraft protection. She then started raising cain with US Bank and others about " unpaid debts '' in a time frame so short it was clearly unlawful and she refused to comply with dispute or Cease and Desist. She is going XXXX to XXXX in damages repetitiousliy and having me harassed via XXXX persons mostl at US Bank but everybody else possible, up to XXXX a day. The US Bank employees maliciously disrupt my working hours as frequently as possible. To date, XXXX and US Bank have claimed all of the following about why she removed the funds from the account, many of them being false claims requiring the maker of the check who is a long term ongoing client, have made them as they only party with standing and who has the standing to testify who she wrote the check to. It gets worse daily, but here is the list:1. To remove a duplicate deposit ( see bank statement. It per DepositPoint and the maker 's bank deposited once. Per US Bank GL it ws twice, which I had removed XXXX/XXXX/15. A Duplicate comes back in the normal 3-5 days, not 3 weeks as falsely alleged ) 2. To remove " suspected bank fraud '' : due to the CPA after my name. 3. To " remove a bounced check '' weeks after it cleared the other bank, in fraud, as bounced checks come back in 3-5 days and I had automatic overdraft protection4. To remove a duplicate deposit she claims was deposited in another bank as well, which again requires the maker of the check, and secondly given the control numbers at the bottom of the check come through on any check, would have been rejected at the maker 's bank as a duplicate in the normal 3-5 days, not 3 weeks ) 5. There is a XXXX per XXXX XXXX of US Bank in XXXX but she will only disclose it off the record ( literally ) and claims its none of the above either. There are more every time the subject comes up. XXXX and US Bank also have blocked any method to get rid of them even by payment of funds not owed for going on 2 months. They have become a violent threat to my safety due to the cartoon slapstick computer button pushing up to XXXX a day and the dollar amounts and time they have intent to take up until they put the customer business out of business and the owner in a shelter or worse given they are disrupting necessary health care nightmarishly. They wiped out the use of XXXX XXXX weekend and most evenings and weekends since this started. They violated the 2nd Cease and Desist before I got it after it was mailed. It gets worse every time I turn around, and the rate of disturbance and time they keep taking up like this is well over XXXX to XXXX hours a week or more once. Since XXXX/XXXX/15, and it has become absolutely clear she started this to stalk me individually and is not going to stop doing this, as also making her victims unable to pursue remedy in the courts as she is criminally intent on burning her victims into some mentally ill fantasy cruelty that is so far out of hand that she is violently endangering her victims. With full support of US Bank which is a disgrace. | ||||||
| 07/21/2015 | Yes |
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| I opened a checking account with U.S. Bank in XX/XX/XXXX ( 8 years ago ) with a small branch inside XXXX hospital because I worked in that hospital. I specifically opened an account that did not have a minimum balance requirement, as I was in college and did not have any money to spare. I only worked at this job for about a year and then closed the checking account, as I did not work there any longer. I have since moved to the XXXX area in XX/XX/XXXX and have never heard a thing from U.S. Bank since closing my checking account 8 years ago. I 'm in the process of purchasing a home and my mortgage lender told me there was a delinquency on a US Bank account that I needed to take care of, as I had n't paid my bill in over 6 months and it was taking a huge toll on my credit score. I had absolutely no idea what she was talking about, as I did not have a US Bank card to my knowledge. After numerous, numerous phone calls, we came to the conclusion that this checking account was never appropriately closed. US Bank decided to apply a new policy requiring a minimum balance to this checking account of mine that has n't been used in over 8 years and was still open, not to my knowledge. There was less than {$1.00} in the account apparently, and they decided to start charging my account $ XXXX without my knowledge. I did not receive XXXX phone call, email, letter in the mail, about this. I received nothing. They were tacking on late fees and not notifying me either. Again, after more phone calls, I found out that they have documentation stating all of the letters they sent out notifying me of the late fees were being sent back to them, as they did not have the correct address. They were sending it to an address that I have n't lived in in over 7 years. I have moved numerous times throughout the past years, but every time I move, I update the post office to forward my mail for a year. I did not update US Bank on my address changes, because I was unaware that the account was not closed. US Bank claims they attempted to call me XXXX about this. They had XXXX phone numbers on file. XXXX was my cell phone number, which has not changed in 15 years. The other was an old work number, from when I worked at XXXX hospital. They obviously did not get ahold of me on the old work phone, as again, I have n't worked there in 8 years. They never once called my cell phone. My primary phone number now, and primary phone number over the past 15 years. They never called. I attempted to speak with numerous supervisors and also the branch manager at XXXX hospital in which no one is willing to admit this is a bank error. I do not feel anyone appropriately followed up with me. No one called my cell phone and no one sent any mail to my primary residence, in which I own the home and have owned for over 5 years. I was willing to pay the fee, which is now {$170.00} if they removed the late fees from my credit report, as this issue has dropped my score over XXXX points! This could be a reason that I may not be able to get a home. I do not pay bills late, ever, and did not want this any more late than it already is, so I paid the {$170.00} to US Bank and they still did not compromise with me at all. I still have yet to receive a bill or any documentation stating why I owe this money, when this policy was put into place, why no one contacted my cell phone, when they started charging me, how much my late fees were, and the list goes on. I have not received anything, still. Someone also closed my account without my approval, after speaking with a supervisor named, XXXX, end of XXXX. This did not give me the opportunity to pay the bill without it being a " charge off '' on my credit, which it now is. US Bank is ruining my credit over something I had no control over. They are not appropriately documenting or following up with their customers! | ||||||
| 09/19/2019 | Yes |
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| I opened online personal checking account in U.S. Bank in XX/XX/2019. I bank with XXXX XXXX XXXX but I wanted to have a second bank and I decided to go with U.S. Bank. After several days verification process I linked my XXXX XXXX XXXX and US bank checking account to be able to transfer funds between those accounts. And 16 days ago i transferred XXXX $ from my XXXX XXXX XXXX checking account to US bank checking account so I can start using US Bank account also and pay my bills from that account too. Unfortunately right around that time when I made my transfer I had a emergency situation and I needed XXXX $ .I went to local US Bank branch near my work neighborhood. When I asked them questions how much I can withdraw, what are the limits, since this account was knew and I didn`t have that information, the representative in the branch very rudely told me that I can not withdraw money, and I should go to my residency local branch.When I went to that branch that`s where this nightmare have started. I`m United States law abiding citizen and i pay more taxes than many of those bank employees.They don`t have a right to discriminate customers because of their accent. Several days I was going from one branch to other branch and nobody was telling me anything.They just blocked my account and put hold on my funds.I was as cooperative as possible.I explained them that I transferred my personal money from my XXXX XXXX XXXX checking account.I even told to call XXXX XXXX XXXX, make a 3 way call so they can verify everything.Anyway to make a story short, they told me just go home and wait. Next day someone left me message.her name is XXXX.She told me that she is the only person who can resolve and from that point she told me not to go to branch.She was talking to me like I`m a thief and i stole money from somewhere.I waited another week and didn`t hear from her.past 2,3 days i`ve been calling her to get some update, to see what`s going on.i`m hard worker and I live paycheck to paycheck.i have a family to feed.I can not have anybody to hold my XXXX $ without any reason and rudely tell me just go and wait, because i`m not a XXXX american and I have a accent. After 3 days of calling and living messages she completely ignored me and I had no other option than go to branch.As soon as I went to branch and branch manager called her she right away called me. our last conversation was very disrespectful from her side. She was talking to me very, very rudely, very disrespectfully, like i`m some kind of fraudster, who is trying to do some shady things.She told me don`t go to branch and harass our employees. I wanted to see what she would do if someone would hold her funds without any reason.They keep telling me that they are waiting letter from XXXX XXXX XXXX but they don`t tell me the truth.I called XXXX of XXXX and nobody never requested anything from them.I told this lady politely that I have family to feed, I have bills to pay, you can not jeopardize my life.XXXX $ is not a XXXX dollars. And at the end she is very rudely said this can take 1 day or 1 year and she can`t do anything. I can`t believe that this happening to me in USA.Nobody can hold anybody`s money without any serious reason.If i speak with accent it doesn`t mean that i`m stupid and I don`t know the rules. This type of employees damaging the reputation of such a big companies like US Bank. I don`t thing they train them to be so rude and disrespectful with clients. Please help me to resolve my issue. I transferred me legit money from my legit checking account which is fully verifiable. But this person is after me and she is trying to make my life into hell.I had to borrow money from my friends to be able to pay my bills. Please help me to get my money back ASAP. This is her direct phone number where she is calling me. XXXX XXXX | ||||||
| 06/27/2018 | Yes |
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| This problem relates to my credit card with XXXX XXXX XXXX, linked to my XXXX XXXX account. The issue involves both entities. I have a {$32000.00} credit limit, and pay my balance in full each month. We are in the process of moving, which has meant a number of purchases in excess of our usual. For that reason, I prepaid a portion of my balance, {$7400.00} on XX/XX/XXXX. In order to do this, and to have it credited promptly, I did it by cash transfer from my XXXX account ; indeed, having the ability to do this was the reason I chose this card in the first place. The XXXX site showed the payment immediately, and the XXXX site immediately showed the amount as debited from my cash account. All was well until XX/XX/XXXX, when I noted that the XXXX site showed a " returned item '' of {$7400.00} ; interestingly, the XXXX account no longer showed the payment. I immediately called a representative. The first XXXX representative with whom I spoke simply said that the payment was denied, and that he knew nothing more about it. He was rude and unhelpful. I asked to speak with his supervisor. The supervisor was much more helpful, although he could not understand the problem. He then contacted XXXX, and I had a three-way conference call with representatives of both institutions. The XXXX representatives each blamed the other institution for the problem ; the only thing upon which they agreed that it was not my problem. Briefly, it appears that for the type of transaction I was undertaking XXXX required a different routing number. He agreed that this information was not on the XXXX site -- which, of course, shows the XXXX logo but is not strictly under XXXX control. With both representatives on the line, we then undertook a telephone transfer, which both representatives agreed was successful. I specifically asked the XXXX representative when the credit would show on my account, and he indicated the next business day. I made it clear that I would challenge any associated fees or penalties, and both agreed there there should be none. Both representatives agreed that their respective materials needed to better explain the process for this type of transaction. They indicated that they would be forwarding this information up their respective chains of command. By the next day, the XXXX site again showed the payment, and the XXXX site again showed a debit of {$7400.00} from my cash account. However, the XXXX site continued to show a {$0.00} credit available. This continued to be the case until today. In the meantime, I was unable to use the card -- a problem since we are over a XXXX miles from home and moving into a new residence! I called XXXX today and, of course, the representative with whom I spoke knew nothing of the foregoing. He simply told me that because of the " returned item, '' a hold had been placed on my account. He was unable to provide any additional explanation or assistance. He did indicate that as of tomorrow, the hold would be lifted and the credit again available. This has created a nightmare for me. Beyond this, I have been significantly disadvantaged, in that my cash account was debited immediately, yet the credit for the payment took over a week to finalize. It is curious that when it comes to marketing, XXXX and XXXX give the illusion of a seamless system ; indeed, the XXXX name appears only in small print, and everything is labeled " XXXX. '' Yet, when a problem like this develops, both entities insist on their independence, and blame the other for any confusion! If things go as promised ( a big " if '' ), I should be made whole by tomorrow. Yet, I believe that this snafu has uncovered a real problem between these entities, which has certainly caused by significant distress and real financial loss. I would appreciate your looking into this matter. Thank you very much. | ||||||
| 07/27/2020 | Yes |
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| My banks and credit card companies keep accessing address information from the US Postal Service and changing my address information on all my bank and credit card accounts without my permission. Last spring I moved into a rental property while finishing major renovations on my primary residence. All my XX/XX/XXXX, my driver 's license and voter registration were still registered at my primary residence. I was in the midst of a refinance to recoup the couple of XXXX XXXX dollars I had already put into the home over the previous three years. I was considering selling the residence once the work was done, but uncertain it would sell, so wanted to keep everything registered at that address since it was still my legal primary residence. My son lived in the house while we were in the rental so it didn't sit vacant. I did not collect any rent. I eventually put a forward in for my mail so that my bills and XX/XX/XXXX mail would come to the rental address. Suddenly one day, none of my debit cards worked. I then received an email from the bank and a couple of my credit card companies that they changed my mailing address on all my financial accounts based on information they had received from the USPS stating that I had moved. I had a checking account at XXXX XX/XX/XXXX who was also in the middle of a refinance on my home. They declined my refinance based partly on the fact that I had moved and they were no longer considering the home my primary residence, even though I gave them documentation that it was still my registered legal residence and though I had moved into the temporary rental to accommodate the renovations, one of my sons was still living in the house and I was not collecting any rent. When I could not refinance, I went ahead and finished work and put the house on the market. My house did not sell and once the virus hit in spring, jumbo lending was basically non-existent, so I took the house off the market prior to my rental lease expiring and began additional cosmetic improvements in preparation of moving my younger boys and I back into my home. I again put forwards in with the USPS to change my mailing address back to the house and 45 days later, though I have already manually changed all my financial accounts prior to moving back, I am now receiving emails again that my bank and credit card companies have changed my address based on information received by the USPS. Furthermore, suddenly, while traveling in another state, my older son suddenly started having his debit cards declined. The USPS forwarded my mail back to my address ; but for an unknown reason, reported his mailing address as my old rental when he never lived there. All of his banks and credit card companies arbitrarily changed his address to my old rental and the zip code on his debit cards changed without notice to him and declined his cards when trying to use them. He had to call his banks and credit cards while traveling to get his address corrected, when he had not ever recorded a change of address since he has always used a PO Box . My financial institutions and credit card company pulling my information from the USPS and making changes to my accounts without my permission should never happen. It is my responsibility to report my mailing and billing addresses on my accounts, wherever I decide that might be, and should not be up to my account holders to arbitrarily decide what address to use on those accounts, particularly when I am in good standing on all accounts and there are no negative issues involved. I have attached copies of two of the emails reporting this change. One is US Bank and the other is XXXX XXXX. I changed all my addresses on my financial accounts and forwarded my mail in mid XX/XX/2020. It is now XX/XX/XXXX and suddenly I am receiving these emails from my bank and credit card company. | ||||||
| 02/26/2017 | Yes |
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| I have multiple complaints. I have been a customer with US Bank a number of years now. One of the reasons I chose them was because when I spoke with them I was told that there would not be fees associated with the acct. I was looking at my acct online and noticed on XXXX they charged me a {$5.00} fee call Analysis charge. I never requested any analysis to be done on my acct. I first contacted the bank by email through their secure email attached to my acct. I asked them to remove the fee. I received an auto-response that I would receive an answer within 2 business days. I did not receive an answer within 2 business days as they promised. When I finally did receive a response, the response that I received back was they could not validate that I was authorized to speak on the acct and that I needed to call and speak with someone even though I was logged into their system and sent the email from their " secure '' server I then called and spoke with a XXXX who I again asked who told me that they were charging a fee for paper statements and that they had changed their computer systems and did not carry over the information on who could act on the acct and that I NEEDED to go to a branch and tell them who was authorized to act on the acct. He said they notified me of these changes with my statements in XXXX and XXXX and that if I switched to paperless statements I would " ALWAYS '' be able to access my statements. First, I would like to file a complaint for false advertisement and legally binding contracts as oral contracts are legally binding and telling me it was a no fee acct. Second, I am complaining that they did not notify me of changes to my acct and started charging a fee. I do n't seem to have my statements ( so I also request that they send those statements to me ). I would expect that if they were going to change the terms of an acct that notification be sent separately and certified to make sure I and all other people actually receive the notification. Third, I am complaining that a large bank is not securing customer 's information and that they do n't even know who is authorized to act on an acct. So can I go in and start acting on others accts. I insist that they provide me the information on what system they were previously using and what they are now using. I also request that your require them to transfer all information from their previous system to their new system. I also think they should be required to notify all customers that they are not keeping acct information safe. It is probably better that they alert the customers than a social media post go viral and alerting the hacking world and illegal operators know about how poorly they have acted. Fourth, they sent me a customer satisfaction survey asking at the end if I would like to be contacted by a manger. They have never contacted me. Again US Bank not telling the truth to customers. Fifth, I am complaining about the lies that XXXX told me that statements are always available. It has been my experience that companies block access after the acct is closed. I also considering that they already lied about having free fee accts I do n't believe them. Also does this mean they are guaranteeing in the case of an XXXX they will have the statements, because if it does and an XXXX attack happens and they can not produce the paper statements then they will not be able to validate any claims of how much was in the acct. XXXX, while speaking with XXXX I was disconnected, possibly because he did not like me insisting my fee be removed and that he send me any paperwork that they needed to update the acct. It is not convenient for me to go into a branch to update who is authorized on MY acct especially because US Bank decided to change THEIR computer system. They also refuse to compensate me for my time due to their negligence. | ||||||
| 10/04/2016 | Yes |
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| I was a sole proprietor of a small fencing company. On XXXX/XXXX/2016 I entered into a contract with a XXXX XXXX XXXX, he wrote me an initial check in the amount of {$2000.00}. I deposited the check by taking a picture of it on the XXXX of XXXX and the check cleared. On XXXX/XXXX/2016 he wrote me another check for {$1000.00}, I took a picture with my phone and deposited that check as well into my XXXX checking account. On XXXX XXXX nearly 2 months later I was attempting to view my account balance online in my cell phone, only to find out I was locked out of my account. After 2 days I was told by a manager that my ccount was locked because of fraud, not explaining the fraud, just fraud and thats all they would say. Making me feel as if I had committed the fraud, or done something wrong, which of course I had not. They finally told me that a check that was written to me that cleared on XXXX XXXX, was going to be returned by US Bank. They had not received it yet but had some type of communication that after nearly 2 months the check was now being returned. They kept my account locked for 7 days not allowing me access to anything involving my account. I have since found out from XXXX that the fraud committed concerning this gentlemans check was in fact committed by him. and that fraud was that he wrote over his old address, and put his new address in its place, which is where we were building the fence. As soon as the account was not locked I was able to speak with a manager again, and asked for a copy of the Offficial check so that I could either take it to his bank and cash it, take it to the local police and file charges, or sue him in court. I have been told on numerous occassion, several different things by XXXX, as to why I can not have the official copy of the check, but mostly because they just dont have it, or that its in the BACK OFFICE, and nobody gets in there to get anything. some of the reps have said it doesnt show we have ever received it, which of course would mean they took money from my account based on something other then the returned check. Im not being un reasonable, m Im asking for what any other customer would receive if a check was returned on their account, and that is the official copy. If the official copy is not available then I would like my XXXX returned to me from either US Bank, XXXX or both, since apparantly no fraud was committed, if there had been fraud why wouldnt the XXXX check in the amount of XXXX be returned as well? The asnwer is simple, XXXX XXXX XXXX is using both US Bank and XXXX to in fact steal money out of my account I guess he didnt want to pay for the services rendered, and it took him 2 months to find the correct lie that US Bank would be able to help him with, to avoid paying what he agreed in the signed contract I have. Its unclear to me how somebody can admit they committed fraud, get their money back and have XXXX major banks help him do it. And toi top that, XXXX is treating me as if Ive committed a crime. Again Im only asking for exactly what any other customer would receive back from the bank if they had a check returned, and that is the OFFICIAL COPY of that check, without it the XXXX banks and the wonderfully creative liar XXXX XXXX will all get away with theft. If my customer XXXX XXXX was able to get the XXXX check returned 2 months after the fact, then why not the XXXX check. and if they indeed sent the check back claiming he committed fraud against himself why would it only be on XXXX of the checks, since they were XXXX identicval other than the check numbers and the amounts. Im hoping that both US Bank as well as XXXX arent allowed to get away with this thievery since it appears to me that XXXX banks are involved in the scam. I can provide any proof requested to prove exactly what Im saying, except of course the official check. | ||||||
| 01/17/2024 | Yes |
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| RE : CFPB COMPLAINT - ACCOUNT FURNISHING VIOLATION |Account Number XXXX XXXX XXXX XXXX || || || || || || || || || Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against US BANK CONSUMER REPORT DISPUTES for willful non-compliance with my written instructions to cease and desist from furnishing data on my consumer report. The company has violated multiple statutes, as outlined below : **Incident Details : ** 1. **Unauthorized Furnishing of Information : ** Despite my multiple written instructions, including an opt-out letter, US BANK CONSUMER REPORT DISPUTES continued to furnish transaction history data on my consumer report. 2. **Violations of FCRA : ** The actions of US BANK CONSUMER REPORT DISPUTES directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c and 15 U.S. Code 1681b. **Legal Violations : ** 1. **The incident involves US BANK CONSUMER REPORT DISPUTES persistently furnishing transaction data on the consumer 's credit report despite the consumer having previously opted-out and explicitly rescinded consent for such reporting. This action constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines a consumer reporting agency as an entity that assembles or evaluates consumer credit information for the purpose of furnishing consumer reports. Notably, the FCRA excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. In this case, US BANK CONSUMER REPORT DISPUTES continues to report transaction history, which is explicitly illegal under the FCRA. The remedy sought is the immediate removal of all payment history on the account or, alternatively, the reclassification of the account status as " paid as agreed upon '' to rectify the ongoing FCRA violation. 2. **15 U.S. Code 1681 - Congressional findings and statement of purpose : ** - US BANK CONSUMER REPORT DISPUTES failed to exercise its responsibilities with fairness, impartiality, and respect for my right to privacy, as mandated by the FCRA . 3. **15 U.S. Code 1681a - Definitions ; rules of construction : US BANK CONSUMER REPORT DISPUTES is classified as a consumer reporting agency and, as such, must adhere to the FCRA 's requirements regarding the confidentiality, accuracy, relevancy, and proper utilization of consumer information. 4. **15 U.S. Code 1681b - Permissible purposes of consumer reports : ** - US BANK CONSUMER REPORT DISPUTES continued to furnish transaction history data on my consumer report without my written consent after I provided written instruction to cease and desist, thus US BANK CONSUMER REPORT DISPUTES is violating the FCRA 's requirement for authorization. **Requested Remedies : ** I request the Consumer Financial Protection Bureau to take the following actions : 1. **Removal of Data : ** Direct US BANK CONSUMER REPORT DISPUTES to immediately remove the data of transaction history for the account ( s ) listed from my consumer report. 2. **Formal Apology : ** Request US BANK CONSUMER REPORT DISPUTES to issue a formal written apology for their willful non-compliance with my written instructions. XXXX. **Compensatory Damages : ** Demand compensatory damages of a minimum of {$6000.00} per account listed for the continued furnishing of data after authorization was rescinded. I have attached supporting documentation, including copies of my written instructions to cease and desist, the opt-out letter, and evidence of US BANK CONSUMER REPORT DISPUTES 's continued unauthorized furnishing of information on my consumer report. I appreciate your prompt attention to this matter and request a thorough investigation into the actions of US BANK CONSUMER REPORT DISPUTES to ensure compliance with the FCRA. Sincerely, XXXX XXXX | ||||||
| 03/17/2021 | Yes |
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Web | Servicemember |
| I tried to deposit $ XXXX in cash. Now I have to wait 10 days for the money. I thought I was depositing {$500.00}, but I truly do not remember if it was {$400.00} or {$500.00}, and the branch has stated that they think it was {$400.00}. I went to the ATM to deposit {$500.00} in cash to make a time sensitive transaction online. My friend drove to a US Bank in XXXX to deposit some of the money I needed, and I drove 10 miles to go to this one to deposit {$500.00} in cash. I walked by the tellers, and put the money into the ATM like I always do, and waited. It was taking a long time, and I looking at the machine. Then I saw a sticky note on the top of the machine, " ATM is not taking cash deposits ''. I thought I may be XXXX, but little did I know the extent. I received a receipt that stated " A machine error has occured and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items. '' I told the teller about the problem, and he kindly ignored me. There were no customers at the time. I then called the XXXX number that was on the receipt. I had to listen to the recorded message, " If you are calling about a stimulus payment .... '' why any bank would subject their customers to that message is beyond me. They will make 98 customers listen to a useless and long message to weed out 2 calls. After 3-5 minutes, someone finally got on the line just as the teller decided not to ignore me anymore, and came around to speak to me. So I mistakenly told the phone banker I was getting help. The teller said they can determine how much I put in, and credit my account. Great. I waited for that to happen, and after 10 minutes, the same teller told me to call the number I had called before. I did this, and had to subject myself to that XXXX recording again. 3-5 minutes later, an online banker got on the phone and told me I would have to wait 10 days for my deposit. It is my expectations that the bank reconcile that ATM at that moment. It is my expectation that the branch and the bank do whatever they can at that moment to rectify their mistake. They didn't. The ATM Machine should have been turned off. It was still doing withdrawals, but the pain of cancelling one deposit, ( and because there was a note there, it must have been two deposits ), is so great that the inconvenience of having their customers deal with the tellers for their banking should have overridden the decision to keep it running. When a deposit of {$500.00}, or even just {$20.00}, is not handled, the bank tellers should do everything to handle the situation. There was no manager there. The teller should have said, " Wait here while I call the region manager. '' When I walked by the tellers to go to the ATM, they should have stopped me and asked if I was depositing cash. The tellers just watched this train wreck happen. I asked the tellers for the region manager 's name and number, and they said they would not provide it. They gave me the branch manager 's card. US Bank did an awful job of taking care of this situation. I am stuck with them for a few weeks, but I will be leaving them shortly. I called US Bank to get this issue resolved. I wanted to complain to the region manager. I talked with XXXX XXXX, and she would not give me a region managers number. She suggested that the only solution was to talk with XXXX XXXX, the branch manger. I want XXXX XXXX reprimanded, so calling her to reprimand herself is not very useful. I then called XXXX XXXX, and she basically said there is nothing she can do. She said the bank must keep the ATM machine running even though it is eating cash deposits. I believe that US Bank 's policy of keeping non functioning ATM 's that are eating cash deposits, with no receipt, is a major policy error. | ||||||
| 04/26/2015 | Yes |
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| It was determined in late XXXX, after U.S. Bank successfully foreclose my home via grounds of " vacated premises '' versus passed due payments that the terms of loan reflect that I had an ARM Loan vs the FHA loan I signed for in XXXX ( XXXX ). The motive that I perceive as to why the terms were changed, thus showing premeditation and malicious intent on the behalf of U.S. Bank, was due to the fact that U.S. Bank was in the process of being investigated by regulators, along with XXXX who originated this loan, for FHA fraud ( XXXX ). As a result, U.S. Bank need to hide this loan from regulators prompted them to convert my FHA loan into an ARM loan, knowing regulators would have discovered this loan and any potentially defects via their audit. Moreover, with the mutual relationship U.S. Bank has with XXXX XXXX via their desire for more market share of the servicing rights to the nation 's largest mortgage lender, U.S. Bank needed to ensure that their relationship with XXXX would not be diminished or compromised if regulators discovered this FHA loan and any potential flaws it contain that could ultimately lead them back to XXXX XXXX. If that would be the case, the consequence could lead XXXX to retaliate against U.S. Bank for " snitching '' on them by decreasing or eliminating U.S. Bank 's market share to the servicing rights of their loan portfolio ; as U.S. Bank is heavily dependent on this relationship with XXXX XXXX to affectively gain access to a potential future client base in states where they have no brick-and-mortar footprint to cross-sale their financial services-such as HELOC 's, credit cards, potential investment accounts, mortgage refinancing, etc.- without their lucrative servicing agreement with XXXX XXXX XXXX In this regard, losing XXXX XXXX as a client would drastically decrease U.S. Bank profitability and bottom line. As a result, this seems to be the motive as to why U.S. Bank converted my FHA loan to an ARM. With that being said, the reason behind why U.S. Bank hired XXXX to confiscate all of my belongings and change the locks to my residence was XXXX-fold : To prevent reentry and future access to my home in order to stage my home to further substantiate their claim that I was never leaving there as they reconstructed my living area to resemble the way it did prior to me regaining access to my residence in XXXX. And to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that I would be left without a defense to refute any mortgage documentation presented by U.S. Bank as being authentic XXXX XXXX XXXX emptied out my home. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own. Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increase my mortgage payments " on paper '' via the mortgage statements I receive from them by more than $ 200/mnth dating back as far as XXXX of XXXX. When I inquired about an urgent letter that I received from them in XXXX XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an Adjustable Rate Mortgage ( ARM ) loan. ( XXXX ) When I was unable to pay the increase monthly payment amount, as refinancing and loan modification were denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforceme to serve me with a fraudulent eviction notice in XXXX of XXXX that stated I had 45 days to vacate the premises. | ||||||
| 04/04/2015 | Yes |
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| XXXX, CO XXXX XXXX XXXXDear Sir/Madam, I am herewith to file a complaint against US bank. They have been unethical, and uncooperative, used harassment tactics and used their credit reporting power to intimidate, and harass me. I have tried to talk to them but they refused to listen. In XXXX XXXX, XXXX I became XXXX and was admitted to the hospital with a XXXX XXXX. While in the hospital, I missed a payment, but made a full XXXX payments after released from the hospital. Most of my creditors were cooperative and worked with me. I have been very diligent and responsible in meeting all my obligations. US bank was the only bank that showed me a hostile and threatening behavior, and forced me to make some tough financial decisions to meet their demands. In XXXX XXXX, XXXX, I submitted my payment, through the bank 's online payment system ( that was the method I have made my payments since I leased my vehicle from them ). For some reason, they charged my account for XXXX payments, and I found personal account in the negative, after I paid other bills. I called my bank, XXXX XXXX, and advised that US bank should have taken XXXX payment, not XXXX. XXXX XXXX advised that I need to contact US Bank, if I need resolution in XXXX hours, otherwise, it will take at - least 2 weeks to get the matter resolved at XXXX XXXX. I immediately contacted US Bank, and was on the phone for XXXX minutes, and was advised the matter was resolved. On XXXX XXXX, I received a call from US Bank collection advising that my account was in default, I explained to the lady of the error made, and I have authorized XXXX payment to be processed, and will make the XXXX payment shortly. She was rude, and uncooperative stating that they do not make mistakes, and refused to review my submission information in their data base, stating that a late payment will be reported. I was frustrated as we were not getting anywhere in the conversation, and advised her that her actions were not fair and/or ethical. I called a few days later, and talked to a gentleman, who advised that he sees where the XXXX payments were made, and a correction was processed, but was not done right. He asked me to make a payment on that date, which was a XXXX payment on the account, after I had made a payment online prior to my call. He promised that he would advise collection to remove the late payment reporting. That late reporting was never removed, but they kept adding to it every month. The lease expired on XXXX XXXX, and I was attempting to purchase the car, since I had exceeded my allowed mileage, and knew it was my best option. I contacted my dealership ( XXXX in XXXX Colorado ), and was working with them to purchase the car. A US bank representative called and stated that I still owe {$320.00} on the lease. I advised the lease expired and I am attempting to purchase the call. To avoid arguing with him, I paid the amount he requested. On XXXX XXXX, XXXX I received another call from US Bank requesting {$1000.00} payment, I advised the lady on the phone that I have called US Bank and advised that I will purchase the car, I also called their vendor company, who are required to inspect the car if being returned and advised that I will purchase the car, and working with the dealership, to inspect the car, complete used car certification, so I could refinance the vehicle. I was very disappointed, and advised the lady that I will be reporting this unethical behavior to your esteemed agency. I received a call from my dealership, advising that a negative remark, by US Bank has been reported on my credit, " Negative Installment Trade '', which makes the refinancing more difficult. He requested a {$5000.00} down to be able to finance the car. This practice has caused me financial challenges, added severe stress to an ailing heath conditions, which I have sh | ||||||
| 10/07/2016 | Yes |
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Web | Older American |
| We purchased a house in XXXX XXXX. Within two weeks we had to move out after discovering that the house was unlivable due to mold contamination. We immediately contacted the loan servicer, XXXX XXXX / Fulton Mortgage, first by phone in XX/XX/XXXX, then formally by mail ( via certified-mail, letter dated XXXX/XXXX/XXXX ). We were told there was nothing they could do, and in XXXX XXXX we were notified that they sold the mortgage to US Bank, despite knowing that we had already moved out. So then we contacted US Bank Home Mortgage and requested a " Deed in Lieu of Foreclosure '' ( via certified-mail letter dated XXXX/XXXX/XXXX ), to start the process of handing the house back to the bank. Now, a year later, they have yet to resolve this. Instead they have repeatedly dragged their feet : e.g., losing paperwork again and again despite our sending it via certified mail every time ; asking us to submit the same documents over and over ; and requesting items in such a vague manner, so full of banker-speak or whatever, that we ca n't figure out what they want and have to call them to find out. Then it takes a week or more for them to get back to us. Even when we send them specific documents, we have to explain what they 're for over the phone ( or in writing ), even though they asked for them in the first place and we included a cover letter stating what they were for when we submitted them. They actually canceled our application in XXXX XXXX due to XXXX missing blank page from a single month 's checking-account statement. They said they had lost the page ; however, it was later found by someone named XXXX who works/worked there ( he said, " Yes, I have it right here in front of me '' ). But this was to no avail since they would not re-open our application, forcing us to start the process all over again, saying that when the application had been closed they had immediately destroyed all relevant paperwork. Seriously? Then how had XXXX found the missing page? After applying for a second time, we were told by phone XX/XX/XXXX that the financial calculation was completed on XXXX/XXXX/XXXX, and that it would soon go to a " home savings review board ''. We were told that this should be quick since we are not living in the house. We would then be assigned a negotiator. It is now XX/XX/XXXX, and the bank has apparently done nothing at all. Our repeated requests for a resolution appear to have fallen on deaf ears. We are now on our third " contact point person '', and are completely frustrated with this whole ridiculous " process ''. We have had a short-sale buyer for the house since XX/XX/XXXX, while our first application was still current. US Bank was made aware of this immediately at that time. Yet we can do nothing since US Bank still has not approved our application. Furthermore, they continue to call us every third or fourth day to keep tabs on us, we suppose, and to make sure we are there to answer the phone. This is irritating, especially since they never have any new information to give us. On the few occasions that we do not readily answer their call, we attempt to call back immediately but can not reach anyone. We are then asked to dial the operator, and thus explain everything all over again to someone who knows nothing about our case. Today -- - exactly one day after we told US Bank that we 're filing a complaint with the CFPB -- - we suddenly have a new ( a third ) " contact point person '', who says the short sale can proceed " soon '', but first we must be officially removed from " loss mitigation '' in order to be " moved '' into a short sale option, and that they will probably need another copy of the original contract of the buyer for the sale of the house. Our agent says she sent them all the documents XX/XX/XXXX. Here is yet another example of the bank 's ineptitude. | ||||||
| 01/19/2022 | Yes |
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| As part of the COVID Relief Act and due to my 18 month deferment coming to an end with my XX/XX/XXXX pay I contacted USBank on XXXX spoke with a XXXX, to get my options to start to repay my payments. I was provided two options. XXXX ) Pay the past due amount in full 2 ) Agree to a 3 month trail modification and then see if a full loan modification will be approved. The terms XXXX explained for the trail mod was to make 3 payments for the months of XXXX, XXXX and XXXX in the amount of {$1000.00}, and the past due amount would be placed in a Balloon lien on my loan iao {$22000.00}. I asked if any interest etc was added to this amount and never received an answer. XXXX also stated that there was an Escrow shortage and that needed to be covered. I advised that I sent in a check iao {$570.00} on XX/XX/XXXX and asked if she could validate that amount and she stated that was another dept, but that amount " should be reflected within the modification ''. I made the three trail payments and then on XX/XX/XXXX I received a call from XXXX stating that the modification documents were not complete and to continue to make the payment ioa {$1000.00} until the modification was finalized. I received the loan modification documents on or arou d XX/XX/XXXX and the terms that I discussed with XXXX on XX/XX/XXXX had changed so I called and spoke with an extremely rude representative to inquire about the changes and she couldn't provide the answers and got really defensive so I asked to speak to the assigned relationship manager whom I have attempted to contact multiple times and she stated he/she wasn't available but would send an email to contact me due to my questions about the modification terms. After calls and no answers I signed the documents to avoid negative consequences to my credit and avoid the risk of foreclosure which had been mentioned before. Not sure it that was scare tactics but it worked!! As a new homeowner I wanted to avoid my credit getting ruined and not losing my home at all cost. I received my annual Escrow Analysis on XX/XX/XXXX which was dated XX/XX/XXXX. I called and spoke with XXXX to inquire about the payment that is listed vs the modification and she couldn't tell me what payment should be made and told me to contact the mortgage assistance dept. I called my relationship manager XXXX XXXX, whom I can never get in contact with so I held for an extremely long time without being able to continue to hold to speak with a representative about my concerns. It concerns me that none of my questions in reference to the changes to the modification agreement , trail payments not being reflected on my account, the XXXX XXXX not being documented or outlined within the modification documents, and the XXXX increasing by $ XXXX. As a consumer and new homeowner I feel that my mortgage company is taking advantage of this crisis and not disclosing all the terms of the modification. It is extremely discouraged and worrying that a company so large doesn't have employees to clearly explain or answer questions that a borrower has on such an important purchase and livelihood for their family. Large companies should be held more accountable and assist a borrower calling in for assistance to ensure they understand what actions are being taken on their loan. This truly has stressed me out and caused lost od sleep worrying about if I did the right thing in purchasing a home. I hope no other borrower received/receives this type of disregard when honestly teyi g to do the right thing and ask questions and get quality assistance from their mortgage company. I also have an amount of {$1400.00} in corporate advances which could not or was not explained. Something has to be done to better provide explanations of fees/cost to borrowers instead of just placing it on a statement without any explanation. | ||||||
| 04/12/2017 | Yes |
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| I purchased a home in XX/XX/XXXX. I qualified for down payment assistance through the XXXX, the Hardest Hit Fund Down Payment Loan, which is a 0 % interest deferred payment loan ( the loan is for {$15000.00} ). I received this loan in the form of a second mortgage, which will be forgiven at a rate of 20 % a year over a XXXX year span. This " second mortgage '' is now and has always been held by the XXXX. My first mortgage is currently held by US Bank. My issue is that US Bank has previously reported my principal balance correctly to the credit bureaus, however they are now reporting it incorrectly. The cause of this change is that US Bank is combining the first and second mortgage and is reporting them as XXXX mortgage held by them, even though the second mortgage is a completely separate account held by another entity altogether. From my understanding, this action violates the Fair Credit Reporting Act, as my second mortgage is not held by US Bank, so they can not report it as part of my principal balance. The actions by US Bank in doing this has severely damaged my and my wife 's credit because it appears through the credit bureaus that we owe much more than we actually do, alluding to some false wrongdoing on our part. I have contacted US Bank to inquire as to why they are now reporting my mortgage in this way, combining the mortgage that I have with them and a mortgage that they have nothing to do with. I was told over the phone that it was a mistake and that it would be taken care of immediately. I let a month go by with no contact from them. When I contacted again, I was told over the phone by a US Bank representative that US Bank Corporation has recently changed their own credit reporting policies. I asked for a copy of the policy that had changed because I felt as though this action could n't be legal, nor had I been contacted as a consumer notifying me of any such change that would so adversely affect me. US Bank proceeded to send me a response ( see attached ) stating that they are reporting this way " due to recent changes in industry reporting standards. '' I contacted them again and asked for the actual official copy of the changes made and was then told by a representative that it was not a change in US Bank policy, but a change in credit reporting laws due to a request by the credit bureaus for a more complete picture of home mortgages. Through my previous research, I had n't come across anything regarding this official change. I very clearly requested a copy of the actual law specifically stating that they are allowed to report a mortgage that does n't belong to them, or the name of the actual law or even where to find it myself to verify my understanding. I was placed on hold several times and the representative told me that a copy of the law would be sent to me. I verified with her what my request was, to make sure that I knew that she understood what I was asking for. When she read it back to me, it was very clear that she did request what I wanted. However, what I received was a letter containing the terms of my second mortgage that is not held by them ( see attached ). I perceive these changes as a malicious action towards me because I have previously filed a complaint through the CFPB, where I was found to be correct. I feel as though this is retaliation for that complaint, as they benefit in no way from reporting the mortgages in this way. In my opinion, this is being done to deliberately hurt our credit. If the credit reporting laws had indeed changed, I feel that I would be able to find some information regarding these changes. I am requesting a copy of the laws that changed that are now allowing them to do this, an explanation as to why they are doing this and how it benefits them and why their customers were not notified to such substantial changes. | ||||||
| 12/22/2016 | Yes |
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| XXXX XXXX US Bank XXXX XXXX XXXX XXXX WI XXXX Dear XXXX : Please accept this letter as written direction to immediately redeem certificates XXXX and XXXX which were issued to XXXX XXXX XXXX by US Bank on XXXX XXXX, XXXX. I would also like to take this opportunity to express some concerns about my experience with US Bank : As we discussed, the renewal notice sent by US Bank had been unknowingly missed by our staff during a period of transition causing the certificates to auto-renew on XXXX XXXX, XXXX. As soon as the oversight was discovered on XXXX XXXX, XXXX, a call was made to US Bank. During the call, I was informed our {$240000.00} invested in 59-month certificates had been renewed by US Bank at a rate of just 0.50 %. As a reference, this new rate was nearly 2 % less than our original certificate rate of 2.47 %, multiple times below currently-offered market rates for similar term certificates elsewhere, and also multiple times below US Bank 's own currently-offered CD Rate for a new 59-month certificate. Ultimately, we estimate the auto-renewal with US Bank would cost us about {$20000.00} in lost interest income over the 59 months when compared to going market rates for this type of certificate. Both during the call on XXXX XXXX, XXXX, and multiple times in person at the XXXX, WI branch where the certificates were issued, I voiced my concerns with US Bank about the unfair, unethical, and deceptive nature of excessively dropping auto-renewal rates to take advantage of unsuspecting customers. Despite my concerns, US Bank was unwilling to negotiate the renewal rate or the early withdrawal penalty ( approximately {$7500.00} ) to allow us to move the certificates elsewhere. Additionally, during my call on XXXX XXXX, my request to not have the certificate auto-renew upon future maturities was also denied. I will acknowledge our error in not catching the renewal during the 10-day grace period following maturity, and I will also accept the amount of the early withdrawal penalty as it was disclosed on the back of our certificate forms at the time of issuance. My concern, however, is US Bank 's intentional practice of dropping certificate renewal rates to unreasonably low levels below market rates ( and below US Bank 's own offered rates for same-term certificates ). This, in combination with establishing unusually high early withdrawal penalties and not allowing customers to remove the auto-renewal clause, is intended to take advantage of unaware customers. It forces them to either accept huge losses due to the incredulously low rates they will be paid on their renewals over the lengthy term of the certificate, or to pay a large sum of money up-front to US Bank for early withdrawal in order to escape the mistreatment. In either scenario, the customer incurs significant losses, and US Bank reaps significant unmerited income. We agreed to the higher-than-usual early withdrawal penalty terms because we had no intention of redeeming early on our own accord. It is nauseating and disappointing to know any financial institution would defy the trust of their customer by unfairly pricing their renewal to basically strong-arm them into paying a hefty early withdrawal penalty. I feel US Bank has ingrained a business model which intentionally sets auto-renewal rates on certificates at predatory, unethical and deceptively low rates to unfairly exploit their customers. A copy of this letter is therefore being sent to both the Federal Deposit Insurance Corporation ( FDIC ) and the Consumer Financial Protection Bureau ( CFPB ) to notify them of the issue, in hopes they can protect innocent consumers going forward and/or compensate consumers who have already suffered losses because of this predatory business practice by US Bank. Thank you for your time and attention to this matter. | ||||||
| 09/17/2016 | Yes |
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| On XX/XX/2016, about XXXX I met with a bank officer at a usbank draft drawn on usbank. I called the same branch XX/XX/XXXX, and asked if the draft was drawn on usbank and if I would be able to cash it there. I was told it was a usbank drawn draft and I would need proper identification and possibly speak with a bank officer. I verified the amount of the draft, requirements to cash, and that even though I was not an account holder because the draft was drawn on usbank I would be able to cash it. Upon arriving on XX/XX/XXXX I met with a bank officer who looked at the draft ( she never used her computer to verify anything ) and told me usbank would not cash it as I was not an account holder of theirs. I confirmed with the XXXX that the draft was drawn on usbank and I had proper identification ( which she never picked up off her desk to examine ). She said I must deposit the draft in my account at another bank before they would honor it. I told her about the phone conversation I had the previous day that had assured me they would cash it. She said that I was misinformed .I expressed my confusion as the draft was secured and drawn on usbank. I then stated, " I feel like I 'm being '', at which point she cut me off and said, " No that 's not it " .I asked her, " if I open a savings account then I can cash this? " She replied, " No We do n't open accounts just so people can cash one check. '' I said, " I did n't say that, I asked you if I open a savings account then I can cash this, right? She said, " I know your just doing it to cash this draft '' I had not said that nor was that my intent.She stood up walked to me and told me it was time to leave.I asked f she was denying me the opportunity to apply for a savings account, she said " yes '' I confirmed that she was refusing to honor a draft drawn on usbank .she said dposit it in my credit union account. I said so you are denying me to cash this.She said yes I said I do n't understand I never heard of or had to do this when cashing checks at the drawn on bank. She stated, " I can have the branch manager talk to you, but he s gon na agree with me.I said, " yes, that I would like to speak with him '' She left to get him. I grabbed my tape recorder, and returned toher office.She returned, without the branch manager, and told me he agreed, it was time for me to leave now I stated my confusion and frustrationfer not being allowed to apply for a savings account and my disgust towards usbank for not honoring there own draft and unprofessionalismI have audio recording which included many phone calls to usbank, phone call to the branch that had discrimintated against me, during which the officer I had met with got on the phone and I expressed that I did n't want to talk to her, I wanted the branch manager.She told me she was the acting branch manager that day and denied me the manager she consulted while I was there.I talked with the district manager who stated they were under no obligation to honor any draft whether it be a personal check, or a cashiers, or anykind of draft. I asked him about the U.C, C, information I had read he saidf, " Im not a lawyer how would I know any of that? I asked him why he had brought up federal laws or anything if he was n't a lawyer and his knowledge was so restricted. He stated he was backing his managers.I sent an email to usbank I expressed numerous times that I had taken work off to cash draft, and that I had lost time and wage because of their discrimination I was unable to complete business deals I had set up that would have benefitted me several thousands of dollars at least because depended upon the funds of the draft I was told would be honored by usbank. Proof of this monetary damage will be provided upon request as well as audio recordings the names of usbank employees involved are also available | ||||||
| 10/06/2015 | Yes |
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| XXXX XXXX, XXXX I was entered into an illegal leasing situation by XXXX XXXX XXXX 's XXXX XXXX XXXX 's ) fraud. XXXX XXXX 's fraud led to the processing of XXXX transactions for the amounts of {$75.00} and {$5400.00} that were charged to my U.S. Bank XXXX XXXX Credit Card. I notified U.S. Bank and XXXX Cardmember Services of the fraudulent nature of these XXXX transactions on XXXX XXXX, XXXX and received written confirmation that XXXX XXXX XXXX XXXX Cardmember Services had been notified of the fraudulent nature of these XXXX transactions no later than XXXX XXXX, XXXX. XXXX XXXX, XXXX I received written notification from XXXX XXXX that XXXX Cardmember Services was unable to assist me in " resolving this dispute '' / preventing the consummation of XXXX XXXX 's fraud. XXXX in XXXX 's Cardmember Services informed me on XXXX XXXX, XXXX that it had been entered into XXXX XXXX XXXX ' system that the " merchant '' / XXXX XXXX had reimbursed me. XXXX XXXX, XXXX I provided XXXX Cardmember Services and XXXX XXXX with a detailed explanation of why these XXXX transactions were fraudulent, including the fraudulent lease I had with XXXX XXXX and signed notarized testimonies from XXXX individuals who were also defrauded by XXXX XXXX with the same fraudulent lease. Included in these testimonies is the fact that XXXX XXXX refused to supply us with our refunds. Since XXXX XXXX, XXXX I have contacted XXXX Cardmember Services and XXXX XXXX periodically and provided them with additional written documentation pertaining to the fraudulent nature of these XXXX transactions, including : an NYPD police report, filed on XXXX XXXX, XXXX, and a New York Small Claims judgment against XXXX XXXX, secured on XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX credited the full amounts of each of the XXXX fraudulent transactions directly to my U.S. Bank XXXX XXXX Credit Card after reviewing the same exact materials that had been provided to XXXX Cardmember Services and XXXX XXXX The XXXX transaction credits were completed on XXXX XXXX, XXXX. XXXX XXXX, XXXX I discussed with XXXX Cardmember Services the XXXX transaction credits from XXXX, and I was told by XXXX of XXXX Cardmember XXXX that I would be contacted by my case representative soon in regards to relief for interest charges that were incurred on the XXXX fraudulent transactions from XXXX XXXX, XXXX until XXXX XXXX, XXXX. This relief must be granted to me so as to prevent XXXX from profiting from iniquitous business, including its lack of competent advice provided to me by its representatives, namely XXXX XXXX, and the hardship that XXXX Cardmember XXXX and XXXX XXXX have knowingly created for me and profited from as a result. Today, XXXX XXXX, XXXX, I called XXXX Cardmember Services again because my case representative has still not contacted me. A representative for XXXX Cardmember Services informed me today that my case representative decided XXXX Cardmember Services will not grant me relief for interest charges on the XXXX fraudulent transactions for the period of XXXX XXXX, XXXX to XXXX XXXX, XXXX because " they were valid charges. '' I was told by the XXXX Cardmember Services representative today at XXXX that I can expect a call from my case representative 's supervisor in regards to my case representative 's decision within XXXX to XXXX hours. I submit that the charges on these XXXX fraudulent transactions on my U.S. Bank XXXX XXXX Credit Card are not valid because such charges would not have been incurred had it not been initially entered into XXXX Cardmember Services ' system that " the merchant '' / XXXX XXXX had reimbursed me and additionally that this information had not been corrected anytime proceeding when I contacted XXXX Cardmember Services and XXXX XXXX and provided them with indisputable written documentation stating otherwise. | ||||||
| 12/19/2023 | Yes |
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| THIS VERY SERIOUS ISSUE has still not been resolved- This property is vacant and a health hazard in its current condition. It has been vacant since XXXX XX/XX/2022. They NEED to get the keys from me Prior complaint resulted in them sending me a jpg of the same documents they sent in the mail stating I owe taxes. I do not owe taxes. I never owed taxes. I never missed a mortgage payment they refused to take the mortgage payment at all. They told me repeatedly all or nothing. I did not have the all I purchased the property because I didnt have to pay the taxes! PRIOR COMPLAINT : I closed on a property at XXXX XXXX XXXX XXXX XXXX IL XXXX. Us bank much to my horror purchased my account. I was unable to setup autopay because of an existing secure credit card I opened about a year prior and had been unable to close or access the secured funds, even after repeatedly contacting them. Due to this card I couldnt access either account. I finally got a copy of this credit card to actually utilize my own funds theyd refused to return for a year. However, after receiving the card I couldnt make a payment to it online and couldnt get a statement sent to me, knowing I still had about XXXX $ credit I closed the account hoping this would clear up mortgage drama plus I cant pay an account they wont give me payment information on. They then held that account open until finance charges applied so they wouldnt have to return any money to me. On XXXX XXXX I went to pay my mortgage and they said I owed almost XXXX instead of XXXX. I said I dont have XXXX I have XXXX. I went from department to department explaining I do not owe the taxes, clearly there has been an error. In the state of XXXX I do not pay property taxes which is why I bought a home here and not Indiana. I am a 100 % Permanent and Total Service Connected XXXX ( medically retired ) veteran. That entitles me to XXXX property taxes. I said Id clear it up I still wanted to pay mortgage. They refused. They refused to correct the issue, they refused to take the mortgage payment. I contacted the state of IL and went to XXXX office to submit form and copy of ID proving my status. They stated theyd clear it up. I have all 3 past due mortgage payments. Now theyre stating I owe almost XXXX for this years taxes- again, I dont owe them. This is the law. ALL paperwork was provided in order to write the loan WITHOUT property taxes to get it to clear closing. In the meantime it has come to my attention that this loan should never have been approved. I am missing disclosures from the seller, the hvac collapsed, the window doesnt shut and is stuck open, there is no heat, the foundation wall crack that was repaired is leaking, there is a profound mouse and electrical problem the seller had to have known about. I want to return this house in a deed in lieu of foreclosure. I am suing the parties involved in this sale and us bank for negligence and breach of contract. I NEVER refused to pay my mortgage. I have never not been able to pay my mortgage and I can prove this because I am using the money to move out. By failing to accept my payment over a tax bill I provided proof I do not pay AT CLOSING, and then push me into foreclosure while waiting to prove I do not owe taxes us bank has failed their end of this financial obligation and contract in what appears to be a breach of contract. It WILL be cleared up by the state that I do not, in fact, owe taxes. Also- us bank technically would be owing me money over this had they not chosen to refuse the mortgage payment. Likewise I couldnt escape the home from XXXX had they not been so blatantly ignorant. I was always transparent- I am being so now. They FAILED to honor their agreement and are forcibly foreclosing on me in the process when the money was always available to make the payments. Please assist | ||||||
| 09/16/2022 | Yes |
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| To whom it may concern, I am reaching out to US Bank to file a formal complaint of discrimination. I have tried to reach out to US Bank via phone, letter, and email to no avail. Please see below list of events as my goal is to get this resolved. Please advise : How can a department be called Customer Care Unit but blatantly ignore your customers inquires? Start list of events XX/XX/2022 Customer service : Not our department but we can reach out to the Customer Care Unit. I was transferred to XXXX ( Customer Care Specialist ) Conversation with XXXX XXXX : Needed a contact number for you. XXXX I provided the number. She asked about my political affiliations. Me Why do you need to know that information? XXXX Its a required question and everyone that opens a new bank account must answer. XXXX I already have an account with you guys, ( three accounts in total ) is there a button for decline? XXXX No, you must answer in order for us to process the POA. Me I am going to formally decline. Will US Bank send me a letter head/email stating I was not approved due to this question? XXXX Yes, or you will receive a signature page to fill out. Me Ok, that works, and I will cross that bridge then. End of conversation ( Of what I can recall. ) I have a degree, so something told me to do a quick google search. Upon my research, she was referring to a politically exposed person. I was under the impression it had to do with who I voted for. Sent an email XX/XX/2022 ( see attached page 1 ) Left voicemail XX/XX/2022 Called to check the status. Was told by customer service that the Customer Care team has a window of 48hrs to respond so please allow that to happen. So, I waited. XX/XX/2022 Still no responds from XXXX XXXX Talked to customer service and was informed that a signature page was in the mail. I asked to talk to someone and was told 1. XXXX XXXX wasnt available. 2. No one in the department can help. 3. XXXX XXXX doesnt have a direct supervisor that I can communicate with. Conclusion of call Just wait for the mail to come. XX/XX/2022 Mailed signature page. XX/XX/2022 Called to get update on status. Per customer service agent : I see that you are listed as a POA but they still havent received your signature page. Thanked her or her assistance and left with an understanding that it was just a waiting game at this point. XX/XX/2022 Checked my US bank accounts online and noticed that one of my mothers accounts is listed under my dashboard on the app. I immediate called US Bank to find out why I was granted access to one account but not the other. 1st call Woman cold transferred me after I said it was an issue with a POA. It asked for a 7 digit extension to which I did not have so the system hung up on me. 2nd call Spoke to someone and I couldnt hear them thus, they hung up. 3rd call Told them the situation and asked to talk to a supervisor. Was told that there isnt a supervisor available, but I can transfer you to card services. Since I am still fishing in the dark, all I could do is say ok. I dont have a card number so the system just hung up on me. 4th call They confirmed that I was POA on one of her accounts but not the other. He did not know why. I went through the same song and dance with trying to talk to anyone at this point and was told again no one can help. I feel I am being discriminated against, and would like to file a formal complaint. Per the rep : He sent a CCU form and a Customer satisfaction document. Since I dont have a line of sight and based on US Banks actions, how do I know that you submitted these documents? After a hour conversation I was given an address this address. End of list of events Finally, this is my last avenue at this point. Thank you for reading this list of events and I look forward to hearing from you all. | ||||||
| 05/18/2022 | Yes |
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| In XXXX of XXXX I missed a credit card payment. I received a letter from US Bank dated XX/XX/XXXX. It was a " right to cure '' letter which said that if payment was made promptly then late penalties would be waived. I paid the account the next day ( XX/XX/XXXX ). No waiver was added to my account. The account also reported 30 days past due. Under the CARES ACT SEC 4021 the " right to cure '' letter fits the definition of " accommodation '' under " any other assistance or relief. '' as it is defined : ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period. Since XXXX the account has been and remained current. I called US Bank card services department in XXXX to see why the waiver had not been applied. The rep I spoke with stated that they were not able to see letters mailed out. She offered me no solution. On XX/XX/XXXX I mailed in a XXXX challenge letter which asked that my personal information be updated to reflect consistent reporting and to update my account as PAID AS AGREED NEVER LATE. They refused and updated the account status as before. On XX/XX/XXXX I called US Bank again. I spoke with a rep ( XXXX ) that sated she could not view whether a letter was sent nor read the letter if one existed. I asked to speak to a manager. She connected me to XXXX who said she was a manger. XXXX then gave me all of the information about the XX/XX/XXXX letter and stated that the late fee waiver should have been applied. XXXX then entered the waiver manually and informed that the account would reflect the changes within 2-3 business days. While I am extremely grateful for the waiver the time and energy that it has taken to resolve this issue has been a nightmare. I have since been denied credit for my personal day to day actives. I was specifically denied a limit increase by US Bank even based on the delinquent payment which should have been removed. This card is secured by my own funds. I did not pay to be treated like this and get denied credit because of some bureaucratic lag. Things have been very difficult during the pandemic and financial issues just compound the problems. Since the date of the missed payment, the " right to cure '' letter, and payments made to keep the account current all fall under the time period set forth in the CARES ACT SEC 4021 amendment to the FCRA. Therefore I qualify for the relief that, up until XXXX helped me, was withheld illegally by simply withholding information, sowing confusion or verifying inaccurate information. The waiver should have been entered as the payment was made. The waiver qualifies the account to be updated as current per SEC 4021. Documents attached show the late payment was applied. That account was paid on XX/XX/XXXX for {$300.00}. Under the CARES ACT and FCRA this account should be reporting as current with no lates ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. | ||||||
| 09/23/2020 | Yes |
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| In Mid XXXX, we applied for a HELOC. We have pending litigation from XX/XX/XXXX dog bite at XXXX XXXX on our property, and our homeowner 's insurance is defending us. XXXX XXXX reported to US Bank and that we had a lien/judgment on our title. We do not. XXXX reported this : On the property report under judgment/Liens, it shows : A JUDGMENT filed by XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$0.00} dated XX/XX/XXXX and filed on XX/XX/XXXX in ( instrument ) XXXX, of the official property records of XXXX XXXX, Washington, Case No. XXXX and in favor of XXXX XXXX XXXX XXXX XXXX. The person we talked to at XXXX, referred to it as XXXX XXXX, or pending litigation, and that they had to report it as a judgment/lien. I argued it should be under a separate heading if they have to report it, but there is no lien on my property. After some back and forth, XXXX said they could remove it if US Bank agreed. According to my loan processor, US Bank said it was against their policy to lend on a clouded title, and there is no way they would approve it to be removed. And here we are. I was told NOT to contact the title company again as they did not determine the credit outcome by XXXX. Since then, she has not returned any emails. I scoured what I could find for XXXX XXXX, and everything I found stated it had to be filed/recorded on the property. My attorney handling the lawsuit and the claim representative said they had never seen this before! I looked up RCW in WA State, as maybe there is something odd here in this state. No, it says it has to be filed/recorded on the property : XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX call out specifically " Once recorded. '' Upon further looking at everything at the bottom of the report from XXXX, it says : The information is obtained from public records whose accuracy, completeness, and reliability we neither can nor do guaranty. So, you can't guaranty the accuracy of your report, yet you are causing me issues based on your inaccuracy? I used a benefit at work to have a property attorney go over the report that was returned by XXXX. They agreed as well there was nothing on my title. I was told to have the lien removed. How it doesn't exist! By who? XXXX, who is suing me for {$300000.00}? Her attorney? I suppose I could complete the affidavit of identity, but that is not true, and I won't. I am at a loss of how to get this remedied. US Bank won't lend with a judgment, XXXX is inaccurately reporting that I have one, yet US Bank tells me I can't talk to the title company anymore? I am at a loss as to how to get this rectified. It is a big circle right now, with inferior customer service. I did file an Insurance Commissioner complaint against XXXX on XX/XX/XXXX since they are inaccurately reporting that. How many other people have they harmed with this practice, and not understanding WA state law? How can I get them to remedy it if I can't talk to them? I felt I had no choice. Today, XX/XX/XXXX, I just received the notice of adverse action that you were declining my HELOC, based on " Value or type of collateral is not sufficient '' and to call a local number XXXX. I called, and it said to call XXXX XXXX and hung up on me. It appears to me that XXXX is retaliating ; XXXX told me the application would sit until we could get the title issue resolved. Now I will have adverse action on my credit report? XXXX is not replying to emails. The reason for adverse action from USBank - -- -- While we hope that you continue to view U.S. Bank as a potential financial services partner, we regret that we are unable to approve your application at this time due to : Value or type of collateral is not sufficient | ||||||
| 03/25/2020 | Yes |
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| I applied for a credit card with Comerica Bank in XX/XX/2019 who and it ended up being a Elan Financial credit card not Comerica Bank. I was approved and received the card and began to use it without any problems. Then in XXXX I used a credit card authorization form to charge a {$8000.00} transaction with a {$10000.00} limit and was immediately called by Elans fraud protection to ask if I was trying to use the card for such a transaction. I told the representative that I was using the card and they asked the vendor name and the amount and I said yes that is me and I would like you to approve it so I can have them run the charge thru again. They said they cleared the system to know accept the charge and told me to call the vendor and run it thru again. I did just that and I immediately got a call from the fraud department again. I spoke to a supervisor and explained that I just got off the phone and your representative said this was taken care of and I would be able to run the card again and it would accept. So, the supervisor did a higher clearance for such a transaction ( the rep the first time should have know this ) and then the supervisor assured me to run it again. Guess what? It didnt go thru and again another call from the fraud dept. This went on four times in the same afternoon! Talk about incompetent people, well Elan Financial has them all. So, another supervisor ( a man - XXXX ) said she was again removing the alert to the system so it would be approved but then advised to run the card the next time to allow the system to reset after midnight. So, I thanked her and tried again the next morning and what do you think happened? It didnt work so I called again and spoke to another supervisor. She tried and told me to run it again and it didnt work. I then got another call ( how many are we up to now, 6? ) and I didnt even bother to answer this time as I was fed up and couldnt deal with it anymore, so I used my XXXX card which was approved no problem. Then, the next day I called to complain and they told me they closed my account due to me making false statements on my account application or in the maintenance of my account which was current ( {$10000.00} limit with {$400.00} balance ) and payments made timely since receiving. Then they said my account is in danger of or is being used for fraud and that I will not live up to my obligations under the terms of the Card member Agreement which they never specifically identified. I asked specifically what false statements and of course they could not identify. Its all XXXX XXXX. How can it be fraud when I verified it was me using the card and they were trying to resolve and working with me and apologizing profusely for having this happen? Then I received the same letter from U.S Bank stating the following ; 'We 've conducted a review of your accounts and have reason to believe that you have made false statements on your account application or in the maintenance of your account, that your account is in danger of or is being used for fraud, and/or that you will not live up to your obligations under the terms of the cardmember agreement. As a result we are electing to exit our relationship in accordance with the terms of the cardmember agreement. ' I had two other cards with them for several year, one which Ive never used that was U.S Bank but must be affiliated with Elan since the letter has the same correspondence address. Then another letter for my 2nd Elan card I have that was in good standing, never missed a payment and had a $ XXXX limit with only $ XXXX used. They closed all three cards at same time stating same reason with same letter for all three. I've since retained a law firm to send a letter to get to the bottom of this and hold them accountable for taking away my livelihood of needed credit. | ||||||
| 06/15/2015 | Yes |
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| Here is the correspondence sent on behalf of XXXX XXXX by attorney XXXX XXXX. Itadequately describes the situation. To Whom It May Concern : I have been retained by XXXX XXXX XXXX in regards to his Elan Visa Classic Card ending in XXXX ( " Elan Visa '' ). Please review XXXX XXXX credit history. Upon review you will find that XXXX XXXX opened up credit with Elan sometime in XX/XX/XXXX. XXXX XXXX has been faithfully making payments ever since and has a credit limit of approximately {$20000.00}. In XXXX of XXXX, XXXX XXXX was offered a position through XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), based out of New York. XXXX XXXX offered compensation for training and benefits. During XXXX XXXX negotiations with XXXX XXXX, XXXX XXXX offered XXXX XXXX an opportunity to work on a part - time project. The project involved XXXX for XXXX XXXX. XXXX would credit funds to XXXX XXXX Elan Visa, and then upon receipt, XXXX XXXX would purchase and ship the computers. XXXX XXXX would then receive compensation for the transaction from XXXX XXXX. XXXX XXXX had never done this sort of thing before, so he phoned XXXX XXXX. Phone calls to Elan Visa were made on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX inquired as to the risk of this type of transaction, if any. Enclosed you will find a copy of XXXX XXXX ' phone logs evidencing same. XXXX XXXX ' phone is under the name of XXXX XXXX, his ex-wife. A representative from Cardmember Services ( phone XXXX ) told XXXX XXXX that as long as the money showed on his on-line account statement, that there was no risk involved. Based on the reassurances of Cardmember Services, XXXX XXXX applied for the funds from XXXX using his Elan Visa. On XXXX XXXX, XXXX, XXXX XXXX checked his account and funds in the amount of {$5900.00} had been credited. XXXX XXXX purchased XXXX computers from XXXX XXXX for {$4900.00}. XXXX XXXX shipped the computers the same day to XXXX, XXXX. On XXXX XXXX, XXXX, XXXX XXXX issued another request for computers and XXXX XXXX credited {$10000.00} and then another {$2700.00} to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. That same day, after verifying the funds on - line, XXXX XXXX purchased XXXX computers at XXXX XXXX and shipped them again to XXXX, XXXX. XXXX XXXX also used the credited funds for USPS shipping. A breakdown of this information is listed in XXXX XXXX XXXX and XXXX, XXXX statements, which are enclosed in this correspondence. On XXXX XXXX, XXXX, XXXX XXXX received a call from a XXXX at XXXX 's fraud department. XXXX XXXX was told that the funds from XXXX XXXX were coming back and that he was probably involved in a scam. The enclosed XXXX statement documents these reversals as well as the returned payment fees amounting to {$75.00}. XXXX XXXX attempted to retrieve the goods through the XXXX. Postal Service and the post office in the XXXX. XXXX XXXX ' efforts were in vain - it was simply too late. XXXX XXXX has filed XXXX disputes with Elan. XXXX times the fraud department has denied receiving his correspondence. The dispute letters were sent to the address on the back of the monthly statements, the first address listed at the top of this correspondence. Your customer service representatives gave XXXX XXXX incorrect information over the phone. Relying on said information, XXXX XXXX moved forward with the above transactions. XXXX XXXX damages are a direct result of lan 's actions. As such, demand is hereby being made that XXXX write off all the purchases made by XXXX XXXX on XXXX XXXX and XXXX XXXX ( US Post Office and XXXX XXXX ). Further, XXXX XXXX demands a credit to his account of all interest paid as a result of these transactions and the return payment fees of {$75.00}. The customer representative from Elan gave XXXX XXXX incorrect information. Relying on same, he incurred a loss of over {$19000.00}. | ||||||
| 09/01/2022 | Yes |
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| This is my second complaint about US Bank Mortgaging. Please refer to my original complaint for a more detailed history of events XXXX. My most recent complaint is about US Banks practices with applying payments to my mortgage, their communication and the fact that they have proven to be negligent with my mortgage account. In XXXX I applied for the XXXX XXXX XXXX XXXX XXXX. I was granted funding on my account to cover me for XXXX, XXXX and XXXX of XXXX by a non profit organization called XXXXXXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HUD Certified Housing Counselor XXXX approved my assistance on XX/XX/2022. XXXX has confirmed that all payments have been made to US Bank and that the payments prior to the XXXX payment have been cashed and notated on the organizations accountings ledger. US Bank claims they have not received payment. I contacted USBank approximately XX/XX/XXXX to find out the status of the payment as I continue to receive calls about the account being past due. I asked that they research the payment As XXXX XXXX confirmed that the payments had been cashed. On XX/XX/2022 XXXX XXXX and I contacted the bank together to get a better understanding as far as why the bank has cashed the checks but has not applied the payments. The Customer service rep contacted a relationship manager in loss mitigation and stated that she sees the account is in system processing status. My account has been in system processing status since XX/XX/2022 and I have not received answers. She then stated that she seen my loan modification was under review and thats where the disconnect on the payment issue was. I explained to the Customer service Rep my loan modification was completed XX/XX/2022. As I have documentation from US Bank showing. I stated that I was told by multiple agents that no payment from XXXX XXXX were to be made on the account as various payments were made to the account in the month of XXXX. The XXXX statement that I received from USbank reflected that the next payment due was in XXXX in the amount of XXXX. This is when XXXX XXXX XXXX XXXX XXXX paying the 3 months of payments that were approved from her organization. The issues I have, is that USbank has cashed these checks but has failed to apply payments to my account which has negatively impacted my loan, and now my credit. I am incurring late fees. US Bank sends me a new 1098 tax form every month with different amounts. I have already completed my taxes and now I have to amend my return. I have so many forms 1098 tax forms that I can not ammend my return as I dont know which one is valid USbank received {$12000.00} on XX/XX/XXXX which would then bring my account current this was for all the payments I fell behind due to COVID-19. I was told by customer service reps that the modification would no longer be valid as that money would make my account current as of today with the exception of the newly lost payments that were applied for XXXX and XXXX. USBank has not updated the total balance of my loan to reflect any of the payments made. If there is no longer a modification why would I still owe what is listed on the modification agreement {$170000.00}? If the account is current. The XXXX does not reflect in the total balance instead USbank has kept the total balance the same as what was notated on the modification although the modification is no longer valid since the account is current. US Bank had already caused issues by closing out my modification without cause, and have admitted fault. US Bank has already wrongfully started foreclosures in the past which they deny which lead to the home being destroyed due to their negligence as they forced us to move out then later offered a mortgage payment. Please see all my evidence to validate my claims. | ||||||
| 05/09/2016 | Yes |
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| US Bank Gift/Debit card - mygiftcardsite.com {$75.00} gift card Have made 9 phone calls and sent 12 faxes between XXXX & XXXX/XXXX/2016 and still do not have resolution My son was given {$75.00} US Bank Gift Debit Visa card as an incentive gift for school fundraising. The first time we tried to use it, it did not work so I tried to register it online. Registering it online was unsuccessful so I called the customer servicer number. Customer Service said that the request to activate the card had to be in writing and could only be done by fax, ( name, address, phone number, and a photocopy of the card ) to a ( XXXX ) area code activation number and I was told that it would " take a few days '' to activate once they had received the faxed request. The second time I tried to use it, again it was declined. Called customer service again and this time was told that earlier that day it had already been used and now had a zero balance. Once again, called customer service who advised that it may have been a 'misread ' ( I pointed out that the card had been in my possession when it was supposedly used XXXX miles away ) and advised that I should " wait a couple of days '' and call back to see if the charge was removed. Predictably, when I called back the charge was not removed, and was actually paid out to the merchant. More phone calls, finally resulting in, yet another written request, via fax, to another XXXX XXXX XXXX area code number. Again, needed to supply all of my personal information in writing to request a dispute of the charge. When I asked how long this would take or what to expect the answer was call back in two weeks. Two weeks later when I call the dispute has been resolved my in my favor BUT I have to make a written request for a new card. They can not add the money to the exsisting card and will only send a card after they receive a written request via fax that includes my personal information ( this time including my email address ). I have been trying to fax this request repeatedly since XXXX XXXX. I have called 3 times since then and have been given a different fax number twice and non of the numbers are working. I have pages of " failed '' status fax sends. This is ridiculous. The number of hurdles and barriers are far beyond the capacity of the average person to accommodate. For many, access to a computer, copier, or a fax is unrealistic, and there is no address to correspond by XXXX. If you search this card online it is pages and pages of " rip-off reports '' and complaints, and the stories are all the same, the cardholder goes to use the card and just before they use, someone else has charged the balance off of it and trying to resolve it becomes a tangled maze of phone calls without resolution. At this point, considering the exchanges I have had with this company, I am deeply concerned about having supplied my personal information. The level of incompetence and outright lies in my opinion is criminal at this point. XXXX ( on behalf of US Bank ) has done everything possible, short of disconnecting their phones, to ensure that costumers, myself included, do not get the money the card entitles them to. I am still owed a {$75.00} gift card. Please intervene on my behalf and all of the other consumers who have been defrauded by this partnership. XXXX XXXX - called to activate & sent fax XXXX XXXX - called because card was refused. Sent fax with photocopy of the card. XXXX XXXX - Call XXXX separate numbers to dispute the alleged charge & had to fax again with request to dispute. XXXX XXXX - Called XXXX status of dispute, money re-credited but have to send fax to request new card. Fax fails to this number repeatedly. XXXX XXXX - call again, no option for mail request. Given diff. fax number not working either. Enough is enough. please help | ||||||
| 09/30/2015 | Yes |
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| I applied for a Home Equity Line of Credit through US Bank. I was recently denied credit and the bank 's explanation is not convincing. When I applied for the loan I stated my income at approximately XXXX a month, XXXX in VA XXXX payments and XXXX in rental income. According to my last phone call with US Bank with Production Manager XXXX XXXX in the Minnesota HQ he indicated that I was rejected for the HELOC because they did not allow my rental income to be considered. US Bank also counted my home and condo mortgage and associated fees against me. When I applied for the loan the representatives asked for my mortgage payments and values and never indicated that they would count those against me. In fact, they said everything looked good for a loan. I had only requested {$40000.00} but the US Bank Representative said I could get up to {$72000.00}. To back that up, I was sent a {$72000.00} approval by US Bank Consumer Loan Processing Analyst XXXX XXXX. The e-mail asked for verification of my information after which I was told I would be given the loan. I provided all the information. XXXX XXXX informed me that if the information I provided was accurate I would be approved. It was accurate. I attempted to communicate with XXXX XXXX. to stay informed of the process. I reached him just that one time and asked for better communication. I told him it was ok to e-mail me if that was easier for him. I felt I needed do as much as possible to simplify things for him since I felt I had no value to him at all. He had refused to communicate with me and he continued to ignore my e-mails, my calls, and voice mails. I turned to my local branch for help. XXXX at the XXXX XXXX XXXX XXXX XXXX was my only source of information. She was extremely helpful and I have no complaint with her. The last time I called her she apologized for not returning a call to me. She said that XXXX XXXX had pulled the file from her and instructed her to stop speaking with me. I believe my status as a XXXX person, and perhaps the fact that I am XXXX thru the VA, led XXXX XXXX to treat me differently. The XXXX are frequently taken advantage of due to their diminished capacity to stand up for themselves. I believe this to be the case. I believe XXXX XXXX was off-put by me in some way and retaliated against me. Even if you find that other people in my situation would have been denied credit, you will not find this level of mistreatment. I called US Bank for help. XXXX XXXX ( ID XXXX ) a manager in XXXX assigned XXXX XXXX to me. When XXXX XXXX called he tried to convince me that my denial was purely based on credit. His argument did not hold water. He says that I was auto-approved, but he indicated that all the same information that was used on the auto approval was used on the denial. My mortgages, income, etc was considered in the approval and the denial. They had all the numbers from the beginning. The only difference was that the representative who entered my application put income of {$1700.00} a month instead of {$1500.00} per month. ( Apparently a representative error ) XXXX XXXX was the first to inform me that my mortgage payments counted against me. How could I be pre-approved for {$72000.00} if that was the case? When asked if I could be approved at any level for a HELOC XXXX XXXX said I could not. Despite my " excellent '' credit, as determined by my credit scores, and XXXX XXXX 's own belief that I could pay the loan, he said I was not creditworthy. My house was appraised by US Bank at {$310000.00}. We only owe about {$180000.00} with no second mortgages. This loan would be secured by that home. How could I go from a {$72000.00} approval to nothing with the only difference being {$200.00} a month in income? Please look into this matter, especially my treatment at the hands of XXXX XXXX. Thank you | ||||||
| 02/09/2018 | Yes |
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| Copy of Lawsuit being filed v. US Bancorp CEO Responsibility The responsible-corporate-officer doctrine provides that a defendant may be guilty if he or she had, by reason of his [ or her ] position in the corporation, responsibility and authority either to prevent in the first instance, or promptly to correct, the alleged violations of law. United States v. XXXX, 421 U.S. 658, 67374 ( XXXX ). Notably, the law does not require a corporate officer to be aware of wrongdoing within the company. Instead, the officer is culpable simply because he or she had the authority either to prevent or to remedy the criminal violation A final Draft of my Civil complaint will include ; Breach of Contract Violation of the FCRA & FBRA Personal injury charge, Fraud and criminal claims against the CEO XXXX XXXX I have attached a copy of the lawsuit I will be filing against XXXX XXXX and US Bancorp if the Fraud account I informed US Bancorp about on XX/XX/XXXX is not correctly updated to XXXX, XXXX and XXXX by the end of day Monday XX/XX/XXXX US Bancorp has deliberately updated my credit report multiple times in the last 30 days with no new information, knowing full well each time my file is updated with a early date further decreases my credit score. Additionally, US Bancorp knowingly and willingly furnished inaccurate information to the credit Bureaus on XX/XX/XXXX that was still under investigation for fraud. Reporting information that could reasonably be fraud is a direct violation of the Federal Credit Reporting Act ( FCRA ) and the Federal Credit Billing Act ( FCBA ). Summary of Facts : On XX/XX/XXXX ; I filed a dispute of an account and charges claiming fraud. I provided an Affidavit to support my fraud claim I even identified the individual responsible The individual responsible also contacted US Bancorp admitting to their fraud and supporting my claim This individual also provided US Bank with an affidavit to support my claim and his admittance. After receiving these disputes along with affidavits, US Bancorp furnished the same balance they previously furnished and the total amount that was disputed to XXXX, XXXX And XXXX on XX/XX/XXXX ( See Attached ) They did this despite US Bancorps own admission that the charges and balance is under investigation and has been since XX/XX/XXXX I have made numerous documented attempts requesting US Bancorp to update my report correctly As a direct result of US Bancorps actions and willful violations, I was denied a mortgage for {$600000.00} US Bancorp is the ONLY tradeline reporting negative information on my credit reports At this point it does not matter what US Bancorp does, even if they update the information properly they have violated the law and caused me material and financial harm. THERE IS A STRATEGIC PURPOSE FOR FILING IN SMALL CLAIMS : 1. No attorney can represent US Bancorp in small claims, any lay person going against me will lose and I will a {$5900.00} plus award. 2. Alternately US Bancorp will be forced to hire a firm and file a change of venue motion to either General Civil or Federal. 3. By doing this US. Bancorp pays all the filing fees and I get to increase my complaint to either {$25000.00} in General civil or {$600000.00} ( price of the loss of home ) 4. Additionally, I will have my family member who is a partner at XXXX XXXX XXXX represent me in general civil or Federal. Note : inform your Ceo XXXX XXXX he will be deposed and I will be across the table assisting my attorney. XXXX XXXX XXXX XXXX : Chairman and Chief Executive Officer XXXX C/C XXXX XXXX : President and Chief Operating Officer XXXX C/C XXXX XXXX XXXX : Executive Vice President, Human Resources XXXX C/C XXXX XXXX XXXX : Executive Vice President and General Counsel XXXX C/C XXXX XXXX : Vice Chairman and Chief Risk Officer XXXX usbank.com | ||||||
| 02/23/2017 | Yes |
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| I really need help. US Bank Home Mortgage will not work with me so I can get this matter resolved. I came out of bankruptcy in XXXX of XXXX and brought my Mortgage loan current as per the request of US Bank in XXXX of XXXX and the loan was to be reinstated, I have this in writing ... I was told after they received my payment of XXXX, I would have a statement for my XXXX payment, and would be able to start making monthly payments again. Instead, my attorney XXXX XXXX, received an letter via email from US Bank stating ( which was wrong ) I was still in bankruptcy and I am eligible for Loss Mitigation options or short sale. He received this email around the time I SHOULD have received my statement for XXXX with my payment coupon. I NEVER received a statement in XXXX XXXX for my XXXX payment so I had no idea if my loan was reinstated or not. I called, several times, and no one could tell if it was actually reinstated so I was in LIMBO and my attorney could not get anyone to return his phone calls NOR could XXXX XXXX at XXXX who sent me this link so I could file this complain today .... On Feburary XXXX XXXX, I received a statement and payment coupon already putting me XXXX mortgage payments behind ( XXXX and XXXX ) and a letter stating I was in default or breach of contract. They demanded both payments which I did in fact overnighted to them yesterday. In between XXXX XXXX XXXX, and yesterday, I Have spoken to XXXX different people at US Bank and all XXXX have givenme a different amount that my monthly payment was to be and I was also told there was an escrow shortage on my account. ( The payment went up XXXX a month ) I am TRYING to pay this escrowshortage to reduce my monthlypayment back to what it WAS, no one will work with me on this or give me the CORRECT or a statement so I know how much is actually owed on this escrow shortage. I have requested this several times.. No one will send me theinformation requested NOR will they send itto my attorney, XXXX XXXX XXXX as per my request even though I was told they would email the information to him, over a week later and still he has not received anything from US Bank XXXX nor have I.. I also asked for a breakdown of my payments going forward to see what exactly is owed on my Mortgage as my ultimate goal is to PAY off my home by the end of Summer ... no one will provide me that information either..I want IN WRITING something stating that IF I pay this escrow shortage ( I have been told it is {$3500.00} by XXXX people and {$5300.00} by XXXX others ) I want a guarantee IN WRITING from US Bank that my payment will go back to XXXX a month from the XXXX they increased it to in order to pay the shortage.. All of my requests for paperwork have fallen on deaf ears, which has been par for the course with this company since they took over my loan from the previous mortgage holder.. Since XXXX XXXX, XX/XX/XXXXI have been trying to work this out and NO ONE will work with me at this company. I was told my monthly payment was to be {$550.00} by XXXX different people at US Bank and then {$860.00} as it was by XXXX others THEN I was told it was {$1300.00} by XXXX others at US Bank .... ( all within the SAME phone conversation on the SAME day ) .This is by far THE WORST company I have ever dealt with. I have all the names and dates of those I have spoken to at US Bank and who I spoke to at US Bank 's attorney 's office documented.. This is a nightmare ... all I am TRYING to do is pay this so I can keep my payments affordable and no one seems to want to work with me on this. I am the homeowner and I can not get anyone to work with me on this. This is n't the only problems I have had with US Bank ... they are NOT a good reputable company. In my opinion they are the most dishonest group of folks I have had the displeasure to work with. | ||||||
| 10/24/2015 | Yes |
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| I had a business checking account at US Bank, which since XXXX/XXXX/15 has been used and continues to be used up to 3x a day to harass me professionally, personally, and financially, to the point of justification of seeking criminal justice protections from the employees involved at US Bank. On XXXX/XXXX/15, a fraudulent manual accounting adjustment was applied to my business checking account by the Branch Manager of the XXXX XXXX Branch of US Bank, who at the same time disabled the overdraft protection on the account and any deposits to the account, fraudulently creating an overdraft condition XXXX XXXX also blocked the victims from any method that could be used to clear the overdraft, a condition she has since continued to use to XXXX about to outside entities like XXXX, the XXXX, the CFPB, any part of US Bank I have contacted to seek remedy to the constant harassment while also blocking the victims from clearing any overdraft that under the law I do n't owe to begin with, and demanding cash only in person only paid only to XXXX XXXX whose branch I visited once over a year ago, and which despite the pretense of resolution to CFPB in the long list of justified major regulatory compliance breech by US Bank via XXXX XXXX and her allies, has continued to emit false claims as a party who has been the object of justified procedure vs the refusal to comply with the mandatory Cease and Desist so that the mandatory dispute of fraud the law requires, can be pursued, and instead kept and keeps playing inflammatory games to manipulate excessive continual harassment with fraud played nonprocedurally with third persons. I have sought the mandatory documentation of US Bank, which pretended to settle but did not clear the fraudulent dispute XXXX XXXX created personally with XXXX within 2 to 3 days of creating the overdraft condition fraudulently, and they have flatly refused to comply with the mandatory condition period. I am literally looking at accounting fraud, bank fraud with a check that cleared the maker 's bank once and was deposited to US Bank only, wire fraud and mail fraud seeking to coerce and extort payment in fraud from victims only in cash to XXXX XXXX in person which US Bank has also refused to remedy so the victims could even pay US Bank funds we do n't owe due to the by now 56 days of this later, thousands in malicious premeditated damages that XXXX XXXX appears to be just getting warmed up with. It is not possible to drop that factual dispute due to the attached letter I was sent to " get a shock out of you '' when I had been mislead by the responses to CFPB as the meaning as always of anything US Bank emits or does, and US Bank is continuing to flatly refuse to comply with mandatory debt creation and collection law as well as the very justified inquiry into the person who have gone so far they have lied to CFPB earlier and to XXXX pretending to represent the maker of the check and their bank, etc, for inflammatory manipulation purposes to get the results they want of people with more fraud. The letter illegally removes all services nationally permanently from a noncustomer who has been seeking a forced end to US Bank since XXXX/XXXX/15 and has no contact with them, for inflammatory pretense as in the above to keep this up, requiring no access to any site nationally on plain paper without signature or name, by XXXX XXXX of US Bank in XXXX who claims these are " not really letters from us '' except when XXXX or XXXX or CFPB get in touch with them. These are people who are subject to a long list of possible state and federal criminal charges, stalking charges, harassment charges at a minimum, and a lawsuit for the damages they just reached out to inflict more of without the lawful option to have contact with me. XXXX. So far nearly daily since XXXX/XXXX/15. | ||||||
| 04/20/2016 | Yes |
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| We opened up a corporate bank acct in XXXX XXXX. The bank referred us to XXXX, XXXX is one of the vendors that works with the bank. The vendor offers merchants the service of credit card processing. We knew from experience in selling our product that credit cards were not highly used by our customer base, so we debated establishing a credit card processing account with the vendor. We finally decided to get the capability after a customer expressed interest in using a credit card and we began to price competitors. Our company applied for the service and was approved. We had no issues with processing our first payment until after it went through. After the payment went through and hit our account, we received a phone call from XXXX of the XXXX Fraud Dept. She was rude and unprofessional. She began asking questions about our business without introduction, so when I began to question her, she then said something that stuck with me.. She said " anyone can make up a business ''. It was a slap in the face moment when my years of XXXX flashed before my eyes and I recalled walking across the stage in XXXX to get my degree and I did not hear one single hand clap because no one from my XXXX XXXX family had made the trip to XXXX to celebrate my accomplishment. I felt disrespected and I felt insulted. I sent XXXX requested information and then we went on with our business. We did not get any customers requesting payment by credit card again for 4 months. In that time, we had received increased credit with the bank by virtue of an increase in our ability to submit mobile deposits and we were also able to improve our business. We had recently completed updating our website. We 'd negotiated a great postage rate with the head of the XXXX XXXX XXXX XXXX XXXX and we were very proud of our accomplishments as a business and as a team. Last week we received a customer payment by credit card. I had to dust off my list of instructions on processing the payment and call customer service. They gave me an update on how to accomplish this and remain in pci compliance and I got the card entered. I was notified that the payment was approved and I simply moved on. We 'd never experienced a problem with USBANK regarding our business account deposits, so we did not expect any problems. 2 days after I made that deposit, we were packing up our travel bags to head to XXXX to drop off our prepared mailing that was dated XXXX/XXXX/XXXX. It was at that time on XXXX/XXXX/XXXX that we discovered that USBank did not reflect any deposit for the credit card. Upon calling the credit card merchant service I walked through the instructions on how to submit the payment and I automatically assumed I had done something wrong. It was toward the end of our friendly call that the agent, advised me that the XXXX from Fraud needed to talk to me and that was the reason we did not see our funds. I was so upset. That woman 's name triggered the memories of her negative prosecutorial tone and manner and I remembered her insults about anyone being able to open a business. I spoke with her and she was still rude and yet she was grasping for straws and delaying. So, she acted like she might be able to wrap up our case that day, which is what she did back in XX/XX/XXXX or XX/XX/XXXX when we first spoke with her ... so we hung up and Saturday arrived and we saw no payment. Monday arrived and still no payment. Monday the President called the customer support and he was told our funds would be in the acct by XXXX or no later than the next morning as everything had checked out. He then called again and then again.. When he called the 3rd time, it was because he 'd called our customer who we had not seen in almost a week and he 'd announced he was from the fraud investigation dept and he ruined our sale..temporarily anyway. | ||||||
| 01/28/2019 | Yes |
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| Hello CFPB, I am writing to complain US Bank about the way they treated their customers and would like to dispute the monthly maintenance fee charged on my account since XX/XX/XXXX. The branch involved in these activities is the XXXX XXXX, XXXX, Iowa. My name is XXXX XXXX, and I am banking with US Bank since XX/XX/XXXX. My checking account number is XXXX. I opened this account with XXXX XXXX XXXX, which was at that time a no fee account as a courtesy for low-income students. In XX/XX/XXXX, I went to the branch to close this account because I was moving to XXXX, a place where there is not any US bank branch. At that time, I was persuaded to keep this account and the banker guaranteed me that this account would not charge me fees. I updated my phone number and also forwarded all my mails in Iowa address to my XXXX address before I left. With many years relationship with US bank, I have been trusting this account and has multiple money in/out activities even till now. Recently, while I logged into to my account, I am surprised to find that US bank started to charge me fees since XX/XX/XXXX. I called Customer Service and was told that this was because my account was Gold status. US bank charged me fees because my credit card was closed. The assistant refunded me 3 months fee and said she could not do any more. I kept calling US bank because I think my credit card was closed involuntarily without any notice. This caused adverse action on my checking/saving account, which was not disclosed to me by any means ( mail or phone call or text, nor was it in my account message inbox ). I requested that they should have noticed me because this negatively impact my checking account. However, after four phone calls when I finally got a chance to talk to the branch XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX # XXXX ), She kept blaming that it was my fault not monitoring my account frequently. She blamed me for not using my credit card to avoid it being closed. She also said it was more than fair to issue 3 refunds to me already. While in the phone she was defending, I felt she exaggerated her statement like saying, " why you waited 7 months and now called, '' " Help me understand why you felt unfair even we have already refunded you the full fees '', etc. During the phone, I told her that her statement was not correct. Currently while writing this complaint, I figured out that I noticed this issue on XX/XX/XXXX and it had been only 4 months. The thing is, although I understand and agree that customers should take care of their accounts, I disagree that it was totally my fault. I told her that I do receive all mails from US bank, however all are related to mail campaigns, none of them related to my credit card close & checking account change notice. If adverse actions is taken on the customers, the customers should have the right to at least get disclosed and to consent. I neglected the negative actions that US bank had taken on me and simply kept my US bank accounts open with limited attention. In the end, I requested to talk to XXXX 's XXXX, but she said she is the manger with slight laugh I could hear from my phone. Her tone was very unfriendly during the call and kept fighting with me and blaming me. She finally gave the supervisor 's name : XXXX XXXX. I would like to request a full refund of all fees ( additional 2 months that XXXX refused to refund ) that I was unaware of since last XX/XX/XXXX. The fees were charged under the circumstance of neither customer 's action/change on accounts, nor consent, nor request, nor disclosure or notice. I feel it was kind of taking advantage of ignorance of customers. My another request is to file a complaint about how US bank treats customers. The conversation between XXXX and me made me feel that I was unreasonably treated. | ||||||
| 08/31/2016 | Yes |
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| I have XXXX Fidelity Visa cards issued by ElanXXXX Bank. XXXX account, ending in XXXX, was a new account opened directly with US Bank when Fidelity switched card issuers. The second account, ending in XXXX, was transferred from the previous Fidelity card issuer, XXXX/Bank XXXX. I have several issues related to my XXXX accounts for which I have not received satisfactory resolution from customer service. 1. The account ending in XXXX has a substantial balance on a 0 % APR promotion. My Elan statements show the promotion expiring in XXXX. The original promotion terms with XXXX stated the 0 % rate was good for 18 months, which would make the end date XXXX. Please update your records and ensure the promotion ends on the correct date. 2. XXXX Account shows a negative rewards points balance. The balance should be XXXX because since the last time I cashed in my points, the only transaction that has taken place is the aforementioned balance transfer. Please update. 3. I had previously applied for a credit limit increase on the XXXX account and was told that I have already been granted the maximum credit limit possible of XXXX. The XXXX account was transferred from XXXX with a credit limit of XXXX so clearly limits larger than XXXX are possible. Please explain why XXXX credit limit increase request was declined and please raise the credit limit on XXXX account accordingly. 4. If raising credit limit on XXXX is not possible then I would like to combine the credit limits of both accounts into XXXX. Please note that I do *NOT* want to combine accounts until the 0 % balance on XXXX is paid off so that I do not mix balances with different interest rates and secondly, I would like XXXX to be the surviving card since I have many recurring transactions scheduled to be charged to that account. Again, I do not want to do this until the promo APR expires, I 'm merely asking if this will be possible. 5. I was charged some foreign transactions fees on XXXX. I was under the impression that there are no foreign transactions fees on this account. Can you please credit the account for these fees? Additionally, could you please explain how the foreign exchange rate is calculated and whether the current rates are available online or elsewhere for review? 6. As you can see from my account history, I use XXXX heavily as my primary credit card. At times, the assigned credit limit has not been enough. It 's my understanding that XXXX XXXX cards have a 'soft ' limit that allows transactions equal to twice the revolving credit limit to be charged. This has not been my experience. While you have allowed me to exceed my credit limit, it 's been rather arbitrary and has lead to embarrassing declines at points of purchase. Can you please explain how this soft limit policy works? 7. I always pay my XXXX account in full each month. Due to bank error, the XXXX payment did not post so I had to schedule a same day payment of {$250.00} to avoid non-payment and related fees. The error has now been corrected and the full payment of XXXX has posted. Could you please make an exception and waive the interest charges I was charged ( and may be charged on the next statement ) as a courtesy? 8. The balance on the XXXX statement for XXXX is XXXX. Not accounting for fee and interest credits I 've requested above or any new charges since the last bill, if I subtract the XXXX payment that posted late and the {$250.00} same-day payment I made, I am left with a balance of {$3800.00}. Please confirm that if I pay this amount by the due date of XXXX/XXXX/XXXX, my account will be back on track, i.e., it will be the same as having paid in full in both XXXX and XXXX and that no additional interest charges will apply ( unless of course I do n't pay future charges in full before the due date ). Thank you. | ||||||
| 12/03/2020 | Yes |
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| Complaint Details Due to the Covid 19 Virus, It has put me out of my recent employment leaving me jobless. The government has been issuing funds to help people get through this catastrophe, well I have received some funds from the disaster relief XXXX worth and now Im receiving a regular payment from unemployment which is not much, but more than I have now, I was blessed to recieve it to find out it to is being direct deposited into my locked account! So I give them a call and they said to verify my identity, that i have to get the home owner to my address to fax in their driver 's license and a note stating that I am able to recieve mail where my card was issued. So I did just that, 3 times! The first time they denied it because they said all information has to be faxed in together that if it's separate when faxing they will destroy it and never look at it. Second and third time the fax was to dark, it had to be lightened 2 shades and enlarged to 200 % which was done so I'm not sure why they denied it, but that's what was said. I was able to have the home owner one last time resend all the information again along with a copy of my driver 's license, by this time they seemed to be kinda fed up, so when I called the us bank to unlock my card, you can imagine how upset I was when they told me no because my license is expired. I'm currently XXXX right now, XXXX and trying to better my life by coming up out of this rut. I'm unable to get running water or electricity out here at the moment so I tend to stay where I can when I can. Due to being XXXX, with no transportation and no stable living arrangement all of my belongings are strung out at a number of different places therefore it made it difficult to verify my identity, because I couldn't locate my I'd first hand. So I did everything the bank asked me to do, I followed every step I was suppose to. I verified my identity in quite a few ways and to this day im still doing it hoping they will unlock my card., There is no need for any of this, I am sitting here suffering when I have money in the bank, looking like a fool asking the next person to loan me XXXX dollars to eat. They knew from the get go my license was expired, they said do these steps and we will unlock your card. I sent my license I sent all paperwork, I shouldn't have to go through this anymore! I currently draw in XXXX a week for child support which iv been making last an entire week, for food, drinks e.t.c..I am XXXX by the state, but lost my XXXX because I could not make it to my appointment because the lack of transportation. I have sent everything to the bank, drivers licence, Bank statements, Insurance Statements, Child Support Income Verification, Mail, Iv even had the homeowner to where I stay fax them their information a number of times. I just recently recieved a letter from the bank stating the next steps in order to unlock my card. Taking a selfie and another picture of my licence and submitting it to the banks website using there verification method online. I did that, and now they need address verification. I just feel like they are giving me the run around, like they don't want to help me. So once again I send in more documentation. I faxed a picture of me, my expired licence and a letter that shows the address on file from a state agency and a letter the bank had wrote me guiding the next steps. I am unable at the moment to get my Texas Driver 's Licence Renewed due to XXXX reinstatement fee and a couple traffic violations, which the court wants payments in full, making it over a grand and impossible to pay. I'm currently trying to reach out to the beacon law center or a lawyer to help me resolve this issue. Please Im asking with everything I have to help me get what is rightfully mine. I deserve help, just like the next person | ||||||
| 01/12/2024 | Yes |
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| On or about XX/XX/XXXX I had my attorney to write a letter to US Bank regarding my escrow account. US Bank is currently escrowing my house taxes and my home owners insurance however I was still paying {$670.00} per month when I first purchased the loan in XXXX. However as of XXXX I've been paying over {$1000.00} per month without an explanation. This was the reason for the letter from my attorney. I had my attorney to reach out and send a letter on or around XX/XX/XXXX and neither my attorney nor I have received a response. As my attorney was looking through my documents he noticed that my house taxes increased as well as my home insurance. I was never contacted about my home insurance rates going up nor my house taxes going up by mail or by phone by either the mortgage company nor the company. Therefore, my attorney suggested that I send a letter to CFPB to get a resolution regarding this matter. My home is currently listed as a rental dwelling when I have lived in the house since I obtained the loan in XX/XX/XXXX therefore those rates are incorrect. Overall the letter submitted to US Bank indicated that I will be paying for my own homeowners insurance and this should no longer be in my escrow nor escrowed by US Bank. Also, I will be paying for my own house taxes as well and this should not be escrowed by US Bank. I have already switched over my home insurance carrier but I'm still being charged escrow on it because US Bank either paid it in full or is still using the old policy that I canceled. Therefore US Bank should provide the following : 1. Indicate the date US Bank paid the XXXXXXXX XXXX Policy or which homeowners policy are they currently paying? 2. Remove the payments they made regarding the XXXX XXXX Policy if any because I am currently paying it as XX/XX/XXXX to present therefore I do no need it escrowed by US Bank. Remove this from my escrow immediately with no charges to XXXX XXXX. The amount XXXX XXXX paid for this policy from XXXX XXXXPresent should still be active with XXXX and whatever payments US Bank paid should be removed from the XXXX Policy. XXXX. If US Bank is still paying on the XXXX XXXX XXXX policy this was canceled on XX/XX/XXXX and should no longer be an active policy. 4. The payments made in escrow for XXXX XXXX Taxes should be sent back to XXXX XXXX effective immediately. The dates should be listed with the amounts paid to the escrow outlining the amounts that will be refunded to XXXX XXXX. XXXX XXXX will be paying XXXX XXXX XXXXXXXX XXXX XXXXXXXX directly and the escrow should be closed out with nothing escrowed moving forward. 5. Place XXXX XXXX 's original loan amount from the current amount {$710.00} back to {$670.00} immediately as there is no reason my monthly payment has changed when the interest rate has stayed the same since XXXX. 6. Explain this specific line item on my mortgage statement - XXXX XXXX XXXX XXXX. Send all escrow analysis for XXXX to my address on file immediately. 8. Send all mortgage statements from XXXX XXXX XXXX for they are not on the website and I have not had access to them to my address on file immediately. 9. Provide in writing the extra payments paid out with dates for my monthly mortgage to include the price difference from {$710.00} to {$670.00} ( and I may not have the actual amount for the {$670.00} monthly payment because I haven't paid this amount in a while ) This amount should be reimbursed immediately. 10. Explain how the interest on the loan goes from XXXX dollars to XXXX dollars to XXXXXXXX dollars with the interest still staying the same since XX/XX/XXXX. Reimburse XXXX XXXX for all interest payments that were paid to interest falsely. Include dates of interest rates, cost and explanation for how the interest rate was raised when the interest rate has not changed. | ||||||
| 03/30/2022 | Yes |
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| Sir/Madam, I am writing with concerns of my mortgage modification and would like to make a formal complaint against US Bank XXXX I was in the COVID-19 relief program that ended in or around XXXX XXXX and I was offered a mortgage modification to proceed with my mortgage payments. Once the agreement was created, I was sent documents in early XX/XX/XXXX via XXXX. I completed the documents and returned them and I never heard back so I called for an update. For several months I have been sent numerous of documents and given multiple excuses i.e.. they were late, not received, a mistake, etc. In XX/XX/XXXX, I was sent another set of documents, completed those as well. When I called the bank to check the status, I was told that everything was complete and approved. I noticed my online account was not updated nor did I receive any documents so I called once again. When I spoke to a representative, I was told that the modification had been canceled. I spoke with several representatives before I was given a reason why. After their investigation I was told that the documents did not reflect the proper signature and how my name needed to include my middle initial. I was sent another set of documents, this time I requested the bank set me up with their notary services because I was also told in a separate conversation that my notary covered some wording with her stamp. I was contacted by the notary service and that same day, I was able to get the documents completed on XX/XX/XXXX. The notary showed up with her own set of documents and the return envelope as well that displayed my information. The notary took the documents to mail off. I called two days later to check the status and I was told they never received them. I called the notary inquiring about my documents, and I was forwarded the confirmation that showed US Bank in fact did receive the documents. I called back with the date the documents were received and who signed for them. No one was able to locate the documents and my case once again had to be escalated to a supervisor and I waited for a return call which never happened. When I called back for an update, the documents were received, but then I was told by a very rude representative or supervisor that the documents were not accepted because they weren't sent in the correct envelope. Another day I spoke with a representative and I was told the documents were in the XXXX lockbox and she didn't see a reason why the documents could not be reviewed if US Bank received them. While I waited for the return call, instead I received the documents in the mail stating that the modification had been completed and it was signed, notarized and dated on XX/XX/XXXX. As before, I called because my account had not been updated and again I was told the modification was canceled. When I explained the documents I received and that it was complete, I was placed on hold until someone could figure out why it was canceled. Nothing was resolved in that call, but the next one it was explained to me that it was a mistake done on US Bank 's part and someone accidentally canceled and the error was their mistake. Again, while it escalated and I waited on my return call, I received calls to collect a debt of about {$50000.00}. When I contacted the bank, I spoke with a supervisor that was rude and said the documents were not accepted even though I had a set saying they were. The supervisor denied having those documents on file, he proceeded to say they were late, they were never received, etc. I filed a complaint on XX/XX/XXXX explaining the situation and received a call on or around XX/XX/XXXX. The representative stated to me they decided to reopen the modification but I would be responsible to pay for XXXX ( XXXX ) - XXXX. ( XXXX ), which was over {$5000.00} and I do not have that. | ||||||
| 04/07/2016 | Yes |
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Web | Older American |
| I am an Arizona-based XXXX XXXX XXXX that provided consulting services for large projects. For approximately 35 years we have banked at what is now the XXXX bank. In the early XXXX 's we were retained to provide consulting services for a project in Oregon. the project required my on-site presence. XXXX did not have banking services in the area. Accordingly, we established a relationship with the U. S. Bank. In XXXX the Oregon client elected to stop the project and subsequently advised that they did not have the resources to compensate my partner and me for the services we had provided. As a result of the clients failing to pay, we got behind with our XXXX Bank XXXX credit card payments. We contacted the Bank XXXX U.S. Bank XXXX and promptly and professionally reached an agreement whereby we gave them the authority to withdraw, using a separate bank card issued by XXXX, a constant monthly amount each and every month until the account balance reached zero. For the next several months the process worked without flaw. Then for reasons that I no longer recall, the XXXX bank determined that the card we were using needed to be replaced. Not a problem. The card was replaced and life went on. Apparently ; however, the XXXX Banks efforts to withdraw the monthly amount were closed out by the replacement of the card. We had lost our home as a result of the client 's failure to pay and after a period of about XXXX years decided to attempt to restore our credit rating that we could rent or possibly purchase a new residence. We were not aware of the issue with the U.S. Bank ; however, once we started the process of restoring our credit, we learned that the U.S. Bank had placed the account in collections. Why they did not contact us to advise that the credit card was being refused, is beyond me ; however, as a result, our credit was in shambles. We once again contacted the U.S. Bank to inquire as to why they did not simply give us a call advising of the issue. The U.S. Bank was apologetic ; however, they had a remedy. They advised us of a new program whereby they would give us a " hardship '' rating, reduce the interest and fees and set the process up on a five-year payment plan. Once again the process started smoothly. Then XXXX day an automotive dealership called to inquire as to our interest in a newer car. We proceeded until the credit check. Once again, we learned that the U.S. Bank had placed us in collections. Once again, I contacted the bank. I asked if we were current on the hardship plan. They responded with yes, we were current. I then asked why the bank had, once again, placed us in collections. The bank advised that although we were current with the provisions of the hardship plan, the original monthly agreement had remained in collections. I admit to being irritated. Why, I asked would anyone either the bank or an individual enter into a new agreement and leave the underlying issue in collections. They had no answer. We later learned that if we made XXXX payments according to the original agreement, we would be brought current and if we continued to make the " hardship '' payments we would no longer have this issue over our heads. I have been a business man for nearly XXXX years and have had many dealings with banks and with the exception of this transaction, they have been resolved. I did learn XXXX thing. If I owed the bank {$150000.00} and got behind a few days, I would receive a quick telephone call. The matter would be resolved and all would be well. Such is apparently not the case when the amount is only {$1700.00}. I have not lost any money as a result of this issue. I have ; however, lost the credit rating necessary to allow my wife and I ( Married 57 years XXXX to move out of my son-in-law 's back bedroom and have place of own. | ||||||
| 07/12/2016 | Yes |
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| XX/XX/XXXX, I missed a payment. I was planning on making it up XX/XX/XXXX, but my wife lost her job and we had a loss of income until she began working again XX/XX/XXXX. There are other calls in addition to those below, but they were made on my work phone so I do not currently have a log of those calls. All calls were either made directly to the U.S. Bank Loss/Mitigation department or to my relationship manager. On XX/XX/XXXX at XXXX, I called to make a payment. I was informed they could not take my payment unless I was going to pay for the current month and what I missed XX/XX/XXXX. I could n't do that ; so they took financial information to look at a payment arrangement. After doing so, they apologized and told me I would need to call back at a later date as their computers were down. I attempted to pay again on XX/XX/XXXX at XXXX. and was once again told that they could not take my money without a payment arrangement. I was told I should talk to my relationship manager ( I 've lost the paper with the name and phone # I was given ; but it differs than the one I was assigned later ) They transferred me to a number where the voicemail told me the mailbox was full and the phone disconnected. On XX/XX/XXXX at XXXX., I received a voicemail introducing me to my relationship manager, XXXX XXXX, who could be reached at XXXX, extension XXXX. I called back the next day and left a message asking for a call back. I called again on XX/XX/XXXX at XXXX. and spoke to someone who again took my financial information and submitted a payment arrangement along with my down-payment of {$2300.00} and gave me the confirmation number XXXX. The same representative called back at XXXX. and said that the system came back and rejected my payment. She transferred me to my relationship manager ( name not documented ). I got her voicemail and left her a message with my name and number ; begging for her to call me back to save my home. I called my relationship manager ( XXXX XXXX ) XX/XX/XXXX and left another message ; begging for a call-back. I called again on XX/XX/XXXX at XXXX. and spoke to XXXX. She went back through what she said were pages and pages of notes in different windows to find the problems. She said that XX/XX/XXXX, there was a note that I had filed for bankruptcy and that I no longer resided at my property ; and this was the reason none of the payments would go through. Both statements are false. I have never filed for bankruptcy and have lived in my home at this address with my family from XX/XX/XXXX. That same day, I faxed a copy of my electric bill to confirm I still reside at this address and was told that after the fax was processed, they would be able to take my payment and setup payment arrangements on Monday, XX/XX/XXXX. On XX/XX/XXXX, I attempted to call XXXX XXXX five times. Each time, the system would hang up immediately after I entered her extension. I then called the main loss/mitigation department to attempt to make a payment XXXX. ( XX/XX/XXXX ) and asked the representative if they had received my fax confirming my address. He said they had and that the property was not listed as vacant in his system. I attempted to make a payment and was asked if I had been sent a work-out packet. I said I had and he informed me that they could not take my payment until I had filled out the packet and sent it back in. He assured me once they had it, they could take my payments. I asked him to note that I had made several attempts to contact my relationship manager without success and asked him to transfer me to her. I was transferred to someone named " XXXX '' and left a voicemail with my name, phone, account number, and advised I was filing a complaint with CFPB. I have yet to speak to a relationship manager or anyone at this company that will assist me. | ||||||
| 10/20/2015 | Yes |
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| I submitted a complaint to you on XXXX XXXX, 2015 regarding US Bank Mortgage XXXX. We have submitted XXXX applications for modification and US Bank has sat on the application and not reviewed it. They then let the documents expire and come back and ask for another complete application. Today they told me that my application was denied due to lack of document, which are attached and they received on XXXX XXXX, 2015. They said that the paystub were not acceptable because they were a " history '' of my pay. This is what my employer provided to me. They also said that my letter of hardship was denied because it did not include " months '' only years. As you can see for yourself ... this is not true. My hardship has been going on for 6 years since I lost my business. I was a concise as I could be. I am now gainfully employed and am able to make mortgage payments but US Bank wo n't work with me to help me obtain a modification. Pursuant to the Dodd-Frank XXXX XXXX XXXX and Consumer Protection Act XXXX XXXX XXXX XXXX, Public Law No. XXXX, XXXX Stat. XXXX XXXX 2010 XXXX : FACIALLY COMPLETE APPLICATIONS OR SUPPLEMENTING A COMPLETE APPLICATIONThe acknowledgement letter from the servicer must list all the missing information required to complete the borrower 's loss mitigation application, if any. However, a servicer may later determine additional information or corrected documents are necessary to complete a loss mitigation application. The facially complete provision of the regulation explains what the servicer must do, and what protections are given to a borrower in such a XXXX a borrower has submitted all the information requested in the acknowledgement letter XXXX if any ), or the acknowledgment letter did not request any additional information, but the servicer later determines additional information or corrected documentation is required to complete the application, the application must be considered facially complete. The servicer must promptly request the missing information or corrected documents. The servicer must treat the application as though it was complete for the purposes of the foreclosure protections in XXXX XXXX f ) ( XXXX XXXX and XXXX g ) ( see Foreclosure Prohibitions in Section XXXX of this guide ) until the borrower is given a reasonable opportunity to complete the application. REVIEW OF INCOMPLETE APPLICATIONSExcept in the XXXX situations identified below, the servicer can not evade its obligations to evaluate a complete loss mitigation application by " offering a loss mitigation option based upon an evaluation of any information provided by a borrower in connection with an incomplete loss mitigation application. " XXXX the following XXXX scenarios a servicer can offer a loss mitigation option based on an evaluation of an incomplete XXXX. XXXX XXXX for evaluating an incomplete application XXXX - application incomplete for a significant period of time : If a servicer has fulfilled its due diligence obligations to help the borrower complete the loss mitigation application, and the application remains incomplete for a " significant period of time under the circumstances, '' the servicer is permitted to evaluate the incomplete application and offer a loss mitigation plan to the XXXX is a " significant period of time '' may vary, taking into consideration things such as the " timing of the foreclosure process. " XXXX : an application that remains incomplete for 15 daysIt goes on to XXXX Step XXXX - The servicer offers or denies a loss mitigation option to the borrowerWithin 30 days of receiving a complete application the servicer must give the borrower a written XXXX The content of this notice depends on whether a loss mitigation offer is made or not. XXXX and XXXX XXXX have not been advised in writing of any missing information. | ||||||
| 09/17/2019 | Yes |
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Web | Older American |
| I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time, I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hire XXXX XXXX XXXX in California. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for a different reason that time, too many assets. So I decided to start making payments In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks. Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? When I finally got the printout ( Enclosed ) it does not have a running total of interest or total due other than principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so screwed up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. I am 5 months from 65 and not in the best of health and will not lose my home. I feel they want to foreclose because I have over a million in equity. I had hoped they would show my last 12 months of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying I hired XXXX XXXX XXXX in California in XXXX to negotiate a loan modification with US Bank. We filled a lawsuit against US Bank, and it was denied because I was current. So I went delinquent and reapplied. I was denied because I had too many assets. I then filled a complaint with you the CFPB in XXXX of XXXX since they continued to return my payments. Your response was to apply once again for a loan modification, I have supplied everything they have requested including a P & L prepared by a CPA and more then enough bank statements to verify my claim of {$30000.00} + monthly in income. More then enough to support the payments I have been sending and and they have been returning I have included their denial letter and if you want, I can provide all emails with all items requested. Here is my last email to US Bank confirming I am sending the last 2 remaining items per a recorded phone call with my relationship manger XXXX XXXX who claimed the whole conversation was being recorded you should be able to hear when she stated these two items were all that was missing and I supplied said items the very next day | ||||||
| 04/19/2023 | Yes |
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| On Sunday XX/XX/XXXX, I noticed I had multiple missed calls from ( XXXX ) XXXX with Caller ID as USBANK, with another call coming in, I answered. The person identified themselves as XXXX XXXX with the Fraud Dept. He said there was a fraud transaction on my account and he was calling to assist in the investigation. He had explained that I would need to submit a payment through XXXX to trace where my money went. He told me that by doing this would get my money back within 48 hours, but if I didnt, I wouldnt get any money back. He said it is bank policy and is an obligation of account holders. At that point I received the request for payment through XXXX on my USBANK app, the first request came from XXXX XXXX XXXX, the next being XXXX XXXX, both requests were for {$820.00}. During this time, he was rushing me to complete the transaction as soon as it was completed, the call was disconnected. I immediately realized something was wrong & called USBANK Fraud Dept, they confirmed a representative from USBANK did not call me. She explained that I would receive a provisional credit to my account within 72 hours while they investigated my claim and had up to 10 days to complete. I was told that I would get a form in the mail to fill out & return. However, I did not receive any credit or forms, so on Friday XX/XX/XXXX I called USBANK again to check on the status of the situation. I was informed that my claim was processed incorrectly & that the claim would need to be resubmitted, this was 6 days after I first reported the claim. Again, I was told the investigation would take 10 days and I had to complete a form & return it as soon as possible. This time I received the form within 72 hours & took the form to the XXXX XXXX XXXX along with FTC Report # XXXX & XXXX Complaint that I filed. I also provided names, addresses & phone # s of reverse searches that I made myself online using the phone number listed on the XXXX Request, of who I believe may have been involved. A few days later, I received a letter from USBANK dated XX/XX/XXXX stating the transaction posted as requested, and my claim was denied. The letter also said that it is my right to request documents used in the investigation, providing a number to call to make the request. On XX/XX/XXXX I called the number given by USBANK to have the document mailed to me, after being on the line for more than 30 minutes & being transferred around from dept to dept, each representative not having a clue as to what to do or what I am even inquiring about, eventually the call was disconnected. By then, I decided to go to the local branch located at XXXX XXXX XXXX in XXXX, to request the documents in person. I spoke to Client Relationship Consultant XXXX XXXX, who told me there is no such document to request. I asked if I could get a print screen showing that there is not any paperwork, again she stated there were no documents. This confused me, since I was told in writing that they would be available to me upon request. It doesnt seem like USBANK representatives even tried to help me to retrieve any loss. I reported the situation immediately, per bank policy, twice, within time restrictions. I dont understand why the transfer could not be stopped, I received a notification stating that the deposit wasnt completed until XX/XX/XXXX. I trusted USBANK to investigate and go through their own error resolution obligations, at this point I know no one attempted to review my claim or the information that I provided since they can not provide me with any proof otherwise. USBANK is obligated to follow the law regardless and they chose not to follow standard procedure. I received no benefit from this transaction, I was sent a request for payment under false pretenses. I am asking for assistance in resolving this matter. | ||||||
| 04/16/2023 | Yes |
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| On or about XX/XX/XXXX I finalized the purchase of a vehicle I as leasing from US Bank. My account was in good standing and always paid on time. XX/XX/XXXX : Received a collection letter from US Bank demanding {$960.00} and make payment no later than XX/XX/XXXX. XX/XX/XXXX : Received a collection call from US Bank {$960.00} but they couldn't tell me what the amount due was fro since the vehicle was paid in full back in XXXX of XXXX. XX/XX/XXXX : Received another collection call from US Bank demanding {$960.00}, customer service rep still could not tell me what the {$960.00} was in regards to. Again according to the collection letter dated XX/XX/XXXX the payment wasn't due until XX/XX/XXXX, but they keep calling demanding payment ... .thats not even due according to their own paperwork. XX/XX/XXXX : I wrote to US Bank disputing the {$960.00} ( Certified mail return receipt : XXXX ) demanding an explanation of the alleged charges and detailed accounting for a vehicle that was paid and titled to me months prior. XX/XX/XXXX : Received copy of an invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The invoice total was {$940.00} ( not {$960.00} US Bank was demanding ). XX/XX/XXXX : I called and spoke to XXXX asking if payment on the account in question had been paid or still open and pending because US Bank was demanding I pay them back for making payment for the XXXX toll violations. XXXX confirmed NO PAYMENT had been made and the invoice totals of {$940.00} were still due. I spoke to Supervisor XXXX in the XXXX XXXX office. XX/XX/XXXX : I received a response to my dispute letter dated XX/XX/XXXX from XXXX XXXX Customer Advocacy of US Bank and a copy of the XXXX invoice as of XX/XX/XXXX in the amount of {$940.00}. US Bank was demanding payment and in her letter to me stated that US Bank had paid the toll citations on my behalf because as of XX/XX/XXXX US Bank was still the owner of the vehicle. This is wrong as I paid off the vehicle in full and was the sole owner of the vehicle on the date she cited in her letter of XX/XX/XXXX. XX/XX/XXXX : I sent a dispute letter to XXXX XXXX ( Certified Mail Return Receipt XXXX ) demanding copies of payment to XXXX from US Bank on my behalf as of or prior to the XX/XX/XXXX date she said the invoices were paid and asking why US Bank was acting as a third party collection agency for a vehicle they do not own and any discrepancies are between myself the vehicle owner and any third party, in this case the XXXX. I also informed XXXX XXXX, that no payment has been made to XXXX and that simply calling the number and invoice number would get you the same non-paid results I got. XX/XX/XXXX : I recieved another collection letter from US Bank which I have written a dispute response to but have not mailed until I get a tracking number to attach. In my letter to XXXX XXXX, I informed her that I have a toll transponder issued by the XXXX XXXX XXXX ( XXXX ). XXXX and the XXXX have reciprocal agreements between the governing agencies that will collect tolls for each other. The XXXX transponder is tided to my vehicle license plate. I have proof I had a valid account with the XXXX for the vehicle in question, so there would be no fines or penalties owed to XXXX. US Bank is trying to defraud me by demanding I make payments for fines/penalties I do not owe, and that they say they have already paid for which is 100 % a lie, and I have been assured by the XXXX that XXXX of XX/XX/XXXX no payment has been received ( well after the letters demanding I pay them back ). I have not received any proof that US Bank has made the {$940.00} they say they paid to XXXX ( because they haven't ), and I still am continuing to receive collection letters along with threats to damage my credit report if not paid in full at once. | ||||||
| 09/27/2022 | Yes |
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| I received a letter from my lender on XX/XX/XXXX stating that my loan is not FHA insurable and a refund of the MIP has been requested and that they will be adding it to the principal as a curtailment. I contacted my lender and requested for my money to be refunded to me as I have been paying that money every month in my mortgage the lender told me that it has to go to the principal per FHA I replied do not agree with that it is my money and it should come back to me I requested that they show me in my contract where it states what they are saying and what they are trying to do I was told it would take four days to investigate and they would then send me a letter explaining I received a letter around the XXXX of XXXX it just stated the same thing I was told on the phone and there was no information or supporting documents from my contract stating their claim as I requested. I was then told to contact HUD FHA if I had any questions. I called the regional office in XXXX and explained to them my situation that my loan is not FHA insurable and I am due a refund of my MIP they referred me to support center and the resource center In speaking with them I was informed that if I was not selling my home or if I was not refinancing my home then the MIP refund should come back to me I told them that I am not selling my home nor am I refinancing my home that I just bought my home three years ago in XXXX of 2019 They also stated that usually HUD would send the refund to the lender and the lender would then cut a check and send the refund to the borrower. I received a few emails from FHA giving me information on what I could do next then I called the lender back and I told them about the about the conversation I had with FHA in regards to my MIP refund and the fact that I am not selling nor am I refinancing and that my refund should come back to me they just kept saying the same thing over and over I spoke with someone around XX/XX/XXXX she said that she see that I called before and requested information to be sent to me from my contract I asked her what does it mean not insurable after putting me on hold she returned and stated that it just mean that the MIP is no longer required I asked than why cant I get my money back she had the same conversation that it is being added to my principal I asked that they send me a copy of the letter they received from HUD she then asked me was I filling a form to reverse my refund from the principal because the refund has already been added and that I should check my account if I do on line banking she then stated that she see a payment of XXXX to my principal and did I make that payment I told her no I did not and that is the money in question why would I give money away that would benefit me if I had it she stated that she would put in a request for an investigation and to give her until Monday XX/XX/XXXX or the XXXX then she would call me back she stated that if there is no letter she will put in a request for my check to be sent to me I told her ok I would I also stated that a curtailment is extra money that is what it mean right she hesitated to answer I told her this is not extra money it is a refund money that should not have been paid there for it should come back to me as I am the one who has been paying it monthly as part of my mortgage not US BANK so why are they trying to take my money I received a call back on the XXXX she said there was no letter to send me and that it would benefit me in the long run when I pay off my house that it would cut down on the interest I told her I am not concerned about 27 years from now if there was an overage they would give that back so why not my refund I received another letter stating both the Upfront MIP and the periodic MIP paid by or for the borrower is to be refunded | ||||||
| 01/15/2016 | Yes |
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| On XXXX XXXX, 2016, I went to the drive up window at a local U.S. Bank to make my mortgage payment. I was making two U.S. Bank mortgage payments just as I do every month, though it was slightly later in the month than usual. I have a few rental properties. XXXX separate locations each have their own U.S. Bank mortgage I have owned both for many years. The teller processed my payment for XXXX the mortgages with no problem or comment. She informed me that her computer would n't let her accept my payment for the other property. It was really strange, because I have never missed a payment or been later than the XXXX, which is not technically late, and happened only during the recession. My mortgages are in good standing. Eventually I went inside the bank and was told my account had been frozen and I could not make any payments at any local U.S. Bank until they work through something about my mortgage in their insurance department. Their solution was to send my payment by interoffice mail courier to their office in Kentucky, which deals with this!!?? This morning I answered a call from XXXX which turned out to be a recorded message from U.S. Bank Home Mortgage informing me that my payment was overdue and asking me to call them at that number. I did immediately. The entire call took about an hour. My account is not overdue, the problem was that I sent in extra money toward an optional insurance product that is included on my mortgage payment. It costs XXXX per month and every so often, when writing checks to pay, I look at the coupon 's XXXX amounts due and I accidentally write the check for the mortgage payment, alone, without the optional insurance. Lately I had done it again. I got a bright idea that I would send in 3 months worth of these optional payments so that next time I make that mistake, they can use some of that money. Silly me, I did n't know that must be some kind of Big Bank Sin. They froze my account and mailed me a check for my overage and are now reviewing my account. The problem, I realized, was that they would not receive & process my XX/XX/XXXX payment before the XXXX, which would be then considered late, with extra fees and would not look good on my credit. The collections agent handling my call did n't seem to want me to make a payment right then by having her transfer it directly out of my bank account ( not a U.S. Bank one ). I said 3 or 4 times that I wanted to do that. At last she did, with an added XXXX fee for the service. She said she had to follow her protocol and ask me the required questions before she could take my payment, so I had to agree. She asked me what was the reason I do n't consistently make my payments on the first of the month? I said, because I was busy and I get there as soon as I can. She did n't like my answer and asked me again and then asked if I was planning to continue to do that? There were more questions I 've forgotten. Part of the call also included her contacting the customer service department which handles insurance. We had a conference call with that woman and the end result was that I was allowed to make a payment. My account is still frozen. I I feel the bank is trying to do something illegal. They did not ask me one single question about the other mortgage payment which I made at the same time. I feel they orchestrated this to occur in such a way that they could institute hardships during the upcoming wait time until my XX/XX/XXXX payment arrived, probably after XX/XX/XXXX, which would give them leverage to claim that I was late and charge fees and possibly more. I feel they are acting in bad faith since the entire problem seems to be caused by an over payment. I want my XXXX fee refunded. They caused me much anger and frustration and fear and I 'm still afraid. Please help me. | ||||||
| 05/19/2021 | Yes |
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| -I, XXXX XXXX XXXX DID NOT contact US Bank 's XXXX XX/XX/2021 ; to my utter dismay my online XXXX statement reflected an UNAUTHORIZED replacement card being expedited XX/XX/2021, XXXX XXXX. ( Note : had I not seen the unauthorized {$12.00} expedited fee on my statement I would not have known my account was CHARGED nor would I have known an unauthorized replacement card had been issued. ) -I, XXXX XXXX XXXX DID NOT report my card lost XX/XX/2021 as I DID NOT lose my card. -I, XXXX XXXX XXXX DID NOT request a replacement card nor an expedited replacement card XX/XX/2021, XXXXXXXX XXXX -I, XXXX XXXX XXXX DID NOT receive a replacement card as I DID NOT report my card lost nor did I request an expedited replacement card XX/XX/2021, XXXX XXXX -I, XXXX XXXX XXXX DID NOT activate an unauthorized replacement card XX/XX/2021. -I, XXXX XXXX XXXX DID NOT render my account inactive XX/XX/2021. -I, XXXX XXXX XXXX DID NOT complete nor request a personal data update via Texas Workforce Commission nor US Bank 's XXXX XX/XX/2021 as stated in US Bank 's Prepaid Card Services CFPB XXXX XXXX response : The replacement card was made active on XX/XX/XXXX, but immediately made inactive and has remained inactive since XX/XX/XXXX, due to a personal data update. The very next sentence states ( US Bank 's Prepaid Card Services CFPB - XXXX response ) : Unfortunately, Texas Workforce Commission program does not allow CSR agents to update any personal data, such as address, phone, DOB, etc. and we must refer you to the agency to update this information and wait for the update from the agency ; how did my account become inactive due to a personal data update by US Bank 's ReliaCard CSR agents as I DID NOT contact Texas Workforce Commission to update, change nor request ANY personal data update? -I, XXXX XXXX XXXX provided ( XXXX ) XXXX as the contact number I could be reached not ( XXXX ) XXXX so I am not sure why the statement We attempted to contact you XX/XX/XXXX and XXXX at XXXX and were unable to leave a message as the voicemail was full is included or relevant to US Bank 's Prepaid Card Services CFPB XXXX XXXX response. -I, XXXX XXXX XXXX received a voicemail Friday, XX/XX/2021, XXXXXXXX XXXX. From a XXXX XXXX XXXX ) XXXX whom never states who she is calling on behalf of advising my account is no longer restricted, she does not know if I have a card or need a card but I can call ( XXXX ) XXXX to get a card or whatever I need to access my funds. -I, XXXX XXXX XXXX called the number provided by XXXX XXXX XXXX ) XXXX Friday, XX/XX/2021, XXXX XXXX. ; 24 minutes 38 seconds later my account is EVEN MORE RESTRICTED than when I filed, submitted my complaint with Consumer Finance Protection Bureau ( CFPB XXXX Monday, XX/XX/2021, XXXX XXXX. by CSR supervisor XXXX purporting to help me by deactivating a card the previous CSR agent ( before I ask to speak with a supervisor ) WITHOUT MY CONSENT OR REQUEST activates the UNAUTHORIZED card on my account rendering my account further RESTRICTED with NO ONLINE ACCESS to even see my account much less access funds the very same card US Bank 's Prepaid Card Services CFPB XXXX XXXX response states The replacement card was made active on XX/XX/XXXX, but immediately made inactive and has remained inactive since XX/XX/XXXX, due to a personal data update. How does the above replacement card continue to be activated then immediately deactivated Tuesday, XX/XX/2021 then AGAIN Friday, XX/XX/2021? -I, XXXX XXXX XXXX immediately contacted CFPB ( XXXX ) XXXX, Friday, XX/XX/2021, XXXX XXXX Speaking with XXXX for 30 minutes 29 seconds advising her of what just occurred above she assured me she would add notes to my complaint XXXX, while graciously asking me to remain patient allowing US Bank to respond within the 15 days allotted ... | ||||||
| 01/17/2017 | Yes |
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| To whom this may concern : Attn : XXXX XXXX, RE ; info you requested I am writing this letter to give you information on the status of my living arrangement at XXXX XXXX XXXX XXXX Arkansas XXXX, as well as my intention. I am also giving information on concerns and complaints. In XXXX of 2016, I received a letter stating my house would be sold in XXXX of 2016, so I began looking for a place to live as would anyone in this situation, I was not expecting to find a place quickly due to this being a small town and having pets it is usually hard to find. However, a place became available that butted yards with my elderly parents and they did allow my pets so I did rent it. I was very thankful due to having to assist in the care of my parents daily and being right behind them was a blessing and the stress of not having a place would be removed and I could take my time in the actual move. So I after I started the moving and I begin receiving notices that the sale was moved to XXXX, then XXXX, during all this time I did keep in touch with XXXX XXXX my relationship manager and gave her all the information that she had requested. I had spoked to her numerous times about a Deed in Lieu of Foreclosure from the get go, listed it on all the paperwork as well as e mails, spoke to the attorneys office since she told me that I would have to go through thru them, however they was shocked and stated that no this was all through the bank and they had never heard of anything like this. Again I had asked for this NUMEROUS TIMES, however when I could finally get her to hear me a couple months ago about this she stated that this could not happen since it was in foreclosure, I reminded her that I have been asking her for this for several months and have documentation of such. She became rude and starts getting defensive, At this point I just shut down as I do n't want to go there with her, I have even avoided her calls recently simply because of her attitude. It is clear that she is not there to be of any assistance to me what so ever, she does not listen or offer any assistance at all! I did officially move out of the house on XXXX around the middle of XXXX, however I continued to be over there daily and I am still over there daily and maintaining the property to this date. The power is still on, however I did have the water and gas turned off. I was still trying to do some cleaning and painting till parents got sick and took my time away from that but like said I am still there daily checking the property and maintaining it. As far as trying to sell the property I do not feel that I can at this point, you see this house has been nothing short of a money pit since day XXXX. I have tried and tried to keep up with all the maintenance that it needs however it has gotten beyond my control. I do admit to be taken advantage of by XXXX contractors ( or I thought ) that took my money and never came back, but if I listed this house I would have to disclose what was wrong with it and by doing this, I would not be able to sell it. List of needs of the house : Siding is falling off due to rain rot Fireplace major issues due to rotting siding, possibility of it falling in Needs roof Has a major water leak/sewer leak in yard Has major electrical issues inside, half of the elec. Sockets do not work, was told whole house needs new wiring. Was told by electrician that there was a huge and I mean huge wasp nest in attic would take a professional to take out Due to the rotten siding, we starting having a mouse infestation, we was trapping XXXX a day So you see at this point with all of this, the payments kept getting higher verses lower to what I could afford, contractors taking advantage, parents needing care, house being up for sale, it was time to move on. If I li | ||||||
| 04/14/2016 | Yes |
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| I signed up for and began using a new US Bank checking account in XXXX XXXX. I was mostly pleased with the service. However, recently, I have noticed that I am being charged fees that I did not originally agree to when I signed up for services. I have contacted US Bank regarding these illegal fees, and they have chosen to ignore my messages. To prove my point, I have uploaded images of the account sign up process, including all account agreements and pages wherein one signs up for an account, opts out of " overdraft coverage '' and enrolls in the " overdraft protection '' service. I uploaded the contents to a website currently under development, XXXX Such a comparison is probably too nice, however, because XXXX XXXX actually disclosed his fees in the agreement fine print ; US Bank, however, did not. Inside the overdraft section of the account agreement it states : " ATM and Debit Card Overdraft Coverage : Certain accounts are subject to a consumer 's election/choice to opt-in to receive ATM and Debit Card Overdraft Coverage. '' ... " If you do not opt-in, we will not authorize payment of an ATM or everyday ( non-recurring ) debit card transaction that could result in an overdraft status. In limited circumstances, your ATM or every day debit card transaction may be processed and your account results in a negative available balance, even if you have not opted-in to overdraft coverage for these transactions. These situations may include, but are not limited to, debit card transactions that post that are processed by the merchant when the merchant does not first obtain an authorization from U.S. Bank. If this situation occurs, you will not be charged an Overdraft Paid Fee for paying the transaction if you have not elected to Opt-In to ATM and Debit Card Overdraft Coverage. '' The " overdraft solutions '' section of my online account has always stated that I have been opted out of " overdraft coverage '' this entire time, yet they have charged me several overdraft paid fees for ATM check ( debit ) card transactions. Reviewing the entire account agreement does not reveal that the account owner must pay a {$36.00} overdraft paid fee ( when fully Opted Out of overdraft coverage and opted into overdraft protection ) for ATM and everyday check ( debit ) card transactions. The " overdraft protection '' section in the account agreement does not state that enrolling in " overdraft protection '' automatically enrolls one into or overrides the account owner 's " overdraft coverage '' choice, either. After signing up for an account, if one " opts out '' of overdraft coverage and signs up for the " overdraft protection '' service ( XXXX ), they are led to believe that doing so will completely avoid {$36.00} " overdraft paid '' fees for ATM and everyday check card transactions. Under the " Overdraft Protection '' and " Opt-out '' columns in the " How much does it cost? '' ( XXXX ) row, no {$36.00} overdraft paid fees for ATM and everyday check ( debit ) card transactions are mentioned. It does, however, mention such a fee in the leftmost " Opt-In '' column for overdraft coverage. It is reasonable to infer that US Bank specifically chose to avoid mentioning the {$36.00} overdraft paid fees for ATM / debit card transactions in the " overdraft protection '' column as doing so would most certainly deter a large number of people, including myself, from signing up for the service. However, avoiding mention of these fees is certainly illegal as they are not outlined anywhere during the account sign up process, account agreement or " overdraft solutions '' section. Thus, it took me by complete surprise ( as it should have ) when I incurred XXXX {$36.00} " overdraft paid '' fees on XXXX XXXX after an {$85.00} charge was attempted on my debit card | ||||||
| 02/23/2022 | Yes |
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| Case # XXXX Same case, but I should have submitted scans of paperwork from US Bank. Please refer to this case number above so that it seems more clear to why I believe that US Bank is not being fair... I believe US Bank is missing the fact that we fell behind on our payments because of their error. Please see attached letter from US Bank admitting fault and apologizing. We had changed our insurance and property taxes into escrow, we were paying exactly what US Bank had told us to pay. US Bank was holding those funds for the Escrow Account, but not distributing them. When we received notice that our home owner 's insurance wasn't paid, we contacted US Bank and were told, not to worry we had the money in our escrow account to cover... This is how everything fell behind for us. We then were enrolled in the Mortgage Acceleration Program, and began putting our mortgage payment into the account and US Bank returned the payment because they said we were not current on our payment because the payments we were paying weren't being distributed properly, example, our homeowner 's insurance wasn't being paid by our escrow account, therefor US Bank putting Force-Placed insurance on our home. We were told that we HAD to pay the Force-Placed insurance, before US Bank would accept any monthy mortgage payments. Also, enclosed is another letter from US Bank, stating our Escrow account was now short, because of the Force-Placed Insurance. Even tho US Bank had admitted it was their fault that the Force-Placed Insurance had happened in the first place, and also said they would reinverse us? XXXX XXXX canceled us for non-payment, US Bank did not make our payment from our escrow account, as promised. I would also like to point out, that it took US Bank almost one full year to come up with a modification for us, also causing us to fall further behind on our payments and almost impossible for us to ever catch up. US Bank would not accept any partial payments whatsoever, they also made this very clear. As far as a breakdown of the new money, {$12000.00}, we were never explained what the amount was, nor ever shown the breakdown on paper. Escrow shortage of {$3000.00}? Where did our original escrow money go? Is this for the force-placed insurance that US Bank said they would refund to us? I'm still looking, but I'm sure I will locate the receipt for the attorney fees. We paid him directly. Property inspection fees? We kept open communication with US Bank, and they still continued to send people over and sit in front of our house until they saw movement. {$9100.00} in interest fees? And had US Bank not taken almost a full year to come up with a modification, or accepted our payments thru the Mortgage Accelerator Program instead of returning them it wouldn't have gone on that long. The modification agreement does, in fact state on page 2, # 6 Property Transfer... If all or any part of the property or any interest in the property is sold or transferred ( or if borrower is not a natural person and a beneficial interest in borrower is sold or transferred ) without LENDER 'S PRIOR WRITTEN CONSENT, Lender may require immediate payment in full of all sums secured by the Security Instrument. I can also provide a copy as well. Again, because our family was at the mercy of US Bank and hoping not to be mislead by our mortgage provider, and also, US Bank admitting guilt that our homeowner 's insurance wasn't paid and then canceled for nonpayment, and US Bank stated that we would be credited for the force-placed insurance, but seems we were charged anyway in the new money that was added on to our loan. Maybe we should get a copy from US Bank when they were holding funds in an escrow, but not distributing them.? Thank you for your help in this matter, XXXX XXXX | ||||||
| 06/02/2018 | Yes |
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| I started my own business last year and my company sells products to different retailers. Since I had opened a business checking account with XXXX XXXX, I asked if they offered merchant services and assisted me with the debit and credit card purchases. XXXX XXXX referred me to XXXX representative who took more than a week to contact me. The name of the company is XXXX XXXX XXXX XXXX which worked with XXXX XXXX at that time. The regional account executive of XXXX sent me the merchant account details on XX/XX/XXXX ( please see Attachment 1 ). On XX/XX/XXXX, the account executive of XXXX prepared the application that I signed the same day ( see Attachment 2 ). I was promised 2 credits ( one for {$200.00} and one for {$150.00} ) as an incentive to open a merchant account with XXXX ( see Attachment 1 ) in XXXX. I have never received any of the credits so far even though I called many times to follow up on my credits. It has been 7 months and I still haven't received any credit. Every time I called I was told next week or very soon XXXX see Attachment 3 ). I have been in contact with the branch manager of XXXX XXXX multiple times. She said that she tried to help and there was nothing she could do. She promised a few months ago that her superior would contact me and that superior never did. When I called her last in the middle of XXXX she said that it was my decision to contact XXXX and I should deal with them. On the other side, when I opened my business checking account with XXXX XXXX, she kept calling me to offer e-commers services because she probably gets compensated for that. I think a branch manager should be ethical and cordial not only when she tries to promote and sell financial services but also when the bank customers need assistance with solving the issues regarding those services. When the bank manager refused to help me, I contacted customer service and I was told that it was out of their scope and a regional manager would contact me. I have called more that 4 time so far without a callback from any regional manager. The regional account executive of XXXX has prepared and filled out the new company application ( see Attachment 2 ). This application states that I should pay {$37.00} per month for a 36-month term. This application didnt state that there was another company involved that I was contracting besides XXXX. Due to the poor performance of XXXX services and the misleading advertising I decided to close my account with this company on XX/XX/XXXX. I was about to find out that I couldnt close my account completely because the information before I signed the application was presented AMBIGUOUSLY and brought me to the wrong decision ( see Attachment 1 ). While looking at the application XXXX didnt realize that there was another company who serviced the equipment and it was totally separate from XXXX. It turned out that XXXX XXXX is a separate entity and I couldnt close my account with them because I had a contract. XXXX XXXX didnt exist anywhere in the application XXXX prepared nor it was disclosed or explained in writing. The reginal account executive of XXXX sent me an apologetic text message ( see Attachment 5 ) and she called me to apologize personally and offered a gift card that I never received. She completely ignores my calls to this day. I called XXXX XXXX and they told me that I had a contract with them and even I explained the whole unpleasant experience, they said they were going to send me to a collection agency if I didnt pay the full lease. I havent used XXXX and XXXX XXXX services since XX/XX/XXXX. When I requested to return the equipment to XXXX XXXX and close my account, I was told that even If I return the equipment I was still going to be charged {$37.00} a month until the end of the lease. | ||||||
| 10/19/2023 | Yes |
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| I hold an account with US Bank, and on XX/XX/2023, I utilized the XXXX application within the mobile banking platform to send {$500.00} USD to a family member ( the recipient ). Subsequently, I verified with the recipient later that day to confirm whether they had received the funds. Unfortunately, they had not received the funds, but they did receive an email confirmation from XXXX via XXXX XXXX XXXXXXXX indicating that " XXXX XXXX XXXX sent you {$500.00}. '' It's important to note that the recipient does not have an account with XXXX XXXX XXXX ; their account is held with XXXX XXXX. After waiting for 24 hours and still not seeing the funds in the recipient 's account, the recipient contacted their bank, XXXX XXXX, who confirmed that they had no record of the transaction. On XX/XX/XXXX, I reached out to US Bank to report the issue, and the representative acknowledged that the money was deducted from my account. They mentioned that there was a " known issue '' with their systems on XX/XX/XXXX and advised me to wait for a day or two, assuring me that the funds would be returned to my account for resending. Complying with their instructions, I patiently waited, but the money was not returned to my account. Upon contacting US Bank again, I was informed that the recipient needed to add their email address to their XXXX profile for the money to flow into their account. However, despite the recipient adding their email information, the issue persisted. I then contacted US Bank once more to report that the recipient still had not received the funds. During this call, I was informed that I needed to file a claim to resolve the matter. It was mentioned once again that there was a " known issue '' on the XXXX that affected several XXXX transactions. When I requested a reference number or identifier, I was told there was none, and I was advised to wait for 7-10 days for the investigation to conclude. After the specified time frame, I contacted US Bank again, only to be informed that my claim had been denied. Perplexed by this denial, given that neither I nor the recipient had the funds and considering the " known issue '' on XX/XX/XXXX, I asked for clarification. I was transferred to a supervisor who clarified that the claim should have been handled by the online team, and the initial claim had been directed to the wrong department. I was once again instructed to wait 7-10 days, resulting in the same outcome. On my next call, someone requested access to my mobile device to review my XXXX transactions. However, it was discovered that the transaction on the XXXX did not appear in the records, despite the money being deducted from my checking account on that date. This further demonstrates that there was an issue with the transaction, either on the US Bank side or within the XXXX network. In any case, I am left without the funds, and the recipient has not received the money. US Bank has refused to return the funds, despite numerous requests. I have sought to speak with the department responsible for the investigation, but my request was denied. I have also requested access to the findings of the investigation, which was similarly denied. I have not received a satisfactory explanation from US Bank. I have offered to sign an affidavit affirming that I have not received the funds and have no intention of defrauding any institution. The recipient is willing to do the same and is prepared to provide a statement and documentation from XXXX XXXX, confirming that there was no {$500.00} transaction associated with their account on XX/XX/2023. I am now at a point where I feel compelled to seek a resolution before considering legal action. I am requesting a full refund of the {$500.00}, and I intend to close my account promptly afterward. | ||||||
| 09/14/2020 | Yes |
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| This is about our XXXX XXXX XXXX XXXX but I couldn't find the section under Mortgage. We had property Damage around XXXX XXXX and our Insurance company issued us a check to cover the damages of XXXX. We were granted XXXX which had our mortgage companies name on it with our name, so we had to send the check to the mortgage to endorse it. We are in the forbearance program from XXXX because of covid 19. We had the XXXX that wasn't paid but still put in the program. When it was time for the mortgage lost draft department to endorse the check we were told when XXXX payment is paid they would endorse the check without going through them dispersing partal ( We was told this by several different agents or several different dates in that department.This went back and for since XXXX. A supervisor also confirmed it with the agent we were told XXXX We made the XXXX payment on XX/XX/XXXX and was told by both departments we are now " current '' ( the department that took payment and the lost draft service department ) .We was also told that since the XXXX payment was made we didn't have to send in an estimate for the repairs of the remaining monies. XXXX didn't get their payment of XXXX yet. Because the XXXX that was left for repairs would not be enough to pay a contractor we was told to write a letter saying we are doing our own repairs with the XXXX inspection would be needed because we are current ( XXXX said since XXXX was paid in XXXX then that made her deny us, even after we was told to pay in XXXX for XXXX and we would be current ) on our mortgage. They also said they didn't need anything else after talking to XXXX XXXX because their job was completed and the mortgage lost department has their invoice etc ( the XXXX XXXX covid is current ) .When we call the Lost Service dept. they gave us the runaround and said that the supervisor XXXX and Manager XXXX denied our account being current and we could " not '' get our full XXXX released. They will make a 25 to 50 % payment to XXXX XXXX, and " After '' we repair the damages ourself out of pocket ( which we stated in the letter that we were told to send to them at the beginning of this that we would do repairs, but need the XXXX released to do it ) We then asked when would we get our XXXX because we can not do anything during covid19 out of pocket ( since they see we are on the forbearance program, letting them know we don't have the money to repair without the insurance monies ). They kept telling us we have to find a way to do it out of pocket and then inspection then they will give us our monies. How can we do anything that is XXXX estimated repairs from a contractor that we have to figure how to do it with the XXXX and don't have monies out of pocket. The lost department then insulted me by saying well ask the insurance company for more monies. That made no sense for her to even saying that because then they would hold that money also, and we still would not have the XXXX or the extra if the insurance did give it to us. They have lied to us over and over about the money being fully released to us if when we paid the XXXX payment, and then they told me that some of the things I questioned them on what the other agents told us weren't documented in our files with them. So it is my word against theirs and our home is still torn apart. The insurance company did exactly what they were supposed to do to see that the claim was documented and we did everything we were supposed to do so why is the XXXX XXXX XXXX XXXX holding our money and why are we being lied to. How can XXXX and XXXX deny something that was approved 3 times before them and why would they hold and demand so many different things before they " Release our full monies '' that is rightfully ours to keep our investment covered? | ||||||
| 12/29/2015 | Yes |
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| Hello, I am contacting you regarding a loan modification agreement that I received. Due to the mortgage crisis my home is severely under water. Further, due to the increased amount of crime in the area and the need for more space I opted to apply for a short sale versus walking away from my home. I initially had contact with Relationship Manager, XXXX XXXX, at U.S. Bank Home Mortgage regarding a short sale. She informed me that my paperwork was reviewed and I qualified for a loan modification instead of a short sale. I agreed to the loan modification because I wanted to take the best path to protect my credit as much as possible. Additionally, I would be in a better position to find a renter if the payments were lower without me having to make up the difference between the rent payments received and my mortgage payment. She also informed me that the terms of the agreement would remain the same ( 13 years remaining on my mortgage ) ; however, the monthly payments would be reduced. She further stated that I would have to undergo a 90 day trial period and after the trial my payments would remain the same, decrease or increase slightly ; however, the number of years remaining on the loan would remain the same. I agreed to the terms and entered the trial period. I received a telephone call indicating that I successfully completed the trial period and that I would be receiving the final modification package in the mail. I received the paperwork for my final modification and the information appeared to be different from what I agreed to. I contacted my current relationship manager, XXXX XXXX, and was informed that the terms of the loan would be 30 years. I informed him that that information was different from what I was given by XXXX. I requested to speak with his manager, and I was informed that she was on vacation. I was transferred to another supervisor who informed me that the notes clearly state that XXXX informed me that the terms of my loan would remain the same and I only had 13 years remaining on the loan and would have 13 years remaining after the modification. She stated that she does not know where XXXX got that information from and that she was sorry for her giving me that incorrect information because she should have known better. She informed me that she no longer works for the company. It should be noted that the terms of the mortgage agreement is not listed on the original paperwork that I received in XX/XX/XXXX. Therefore, I agreed to the program based on the expertise of your employee. Further, I do n't fell like I should be penalized based of the incorrect information provided by the bank 's employee. I tried to do the correct thing by contacting the bank in an attempt to mitigate the damages instead of walking away from the home like many others have done. Further, a review of my credit reveals that it has been reported to the credit reporting agency that I was late on my XX/XX/XXXX 's payment ; however, I made all of the payments as agreed. I was not informed that being on a trial payment plan would result in a negative credit report. Nor would I have signed up for the program if I had known that my mortgage would be extended 30 years and not remain at the current terms with lower payments. This entire ordeal has been extremely stressful based on the fact that I was informed that if I wanted to apply for a short sale now I have to decline the modification and start the entire process over again. I think that the original terms should be honored as the notes clearly state that that was the information that was provided to me. I would appreciate it if a manager would review the account to see if anything can be done regarding this matter. Thank you in advance for your attention to this matter. XXXX XXXX | ||||||
| 11/01/2015 | Yes |
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| I am being stalked by a US Bank employee who continues to get a large amount of attention out of US Bank, which refuses to terminate the access to my information that this person has used nonstop since XXXX/XXXX/15, to file falsifications with third persons by " political '' procedure vs the legally required one, starting with the illegal manual falsification of an issue used to create an overdraft condition on my account also publicly demonstrating criminal intent, disabling the overdraft protection and blocking all bank deposits to the account. The person is a branch manager named XXXX XXXX XXXX who I have never met, at a US Bank branch in XXXX XXXX IL I have been in once over a year ago. The person and support for gross illegal conduct in above matter including never having complied with the Cease and Desist, despite sending in documents stating that politically " we have complied ' while continuing to have up to 3x daily harassment by various US Bank employees demanding payment, making false claims about the matter, etc., has caused several thousand dollars in damages. I continue to get junk offensive harassment created by that person and US Bank despite having concluded the above and closed any accounts at US Bank. Currently XXXX XXXX is taking the same approach to " having US mail addresses '' which she has repeatedly changed at US Bank which is sending correspondence to a list of addresses that I can not stop them from either, and carrying on with my post office analagously claiming I have " fake addresses '' etc. As in the above, the attention getter having illegally criminally modified my mailing address evidently repeatedly, so it can make another false claim used to massively disrupt a business and a private individual. This attention getting that is causing victims thousands of dollars in damages is something US Bank created the entire access to private information that continues to be used XXXX % for this purpose and continues as in the original matter, to refuse to terminate XXXX XXXX or her ally a XXXX XXXX who may live by my apartment complex or in the building given the constant change of address so that my residential address is nowhere on the documents and my business addresss keeps being changed to a residential address in XXXX XXXX IL to falsify another method to " practice politics '' in what has also appeared to include a person who is imitating TV shows like " XXXX '' about themselves that likewise involves gross delusional behavior that is causing so much carnage and reckless endangerment that US Bank is going to have to terminate the problem they created with their staff. Grossly illegal interference with US Mail is the current " political '' activity involving XXXX, XXXX, and US Bank. This issue vs US Bank is consistent Including throughout the also grossly illegal false claim of " debt '' also fabricating by XXXX XXXX XXXX to use for this " political '' purpose directed at causing customers mortal damages flaunting the illegality US Bank makes them able to conduct with customer accounts. XXXX is clearly XXXX and acting out her fantasies at people much much older and demanding they be " made poor '' into some kind of fantasy of hers that started with filing serious fabricated accusations that were directed at my professional licensing and seeking to wipe out customer income she obtained information about out of that checking account. She is also clearly violently dangerous and this is never going to end without a forced venue change about XXXX and since a XXXX XXXX in identical conduct in both through or against US Bank. I have no way to know who lives in my building in XXXX or is attempting ID fraud at XXXX XXXX XXXX with their assistance, but the problem includes both potentially. | ||||||
| 12/30/2016 | Yes |
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| On XX/XX/2016 I used my US Bank ATM card to withdraw {$400.00} twice from a non-US Bank ATM machine located only 1.5 blocks from the US Bank branch in XXXX, XXXX, where I have been banking since XX/XX/2016. My XXXX US Bank monthly statement showed that I had withdrawn {$400.00} twice on Friday XXXX and again {$400.00} twice on Monday XX/XX/XXXX. XXXX at the US Bank looked at the ATM receipts and explained to me the process of contesting the additional withdrawals. On XX/XX/XXXX my account was credited with the {$400.00} twice. However, in late XXXX I received two identical and separate letters from the US Bank ATM Department informing me that the owner of the ATM machine had declined my request for reimbursement and that US Bank has on file the communication between them and the owner of the ATM machine should I wish to see them. I immediately called the number for the US Bank ATM department and spoke to XXXX. She confirmed that I am entitled to see record of the communication between them and the owner of the ATM machine and asked me if I wished to receive such by US mail or e-mail and I chose the latter. However, the next day I received a phone call from XXXX that was confusing ; she said that such records would not be available to me but she could not provide me with an acceptable explanation. When I told her that I intended to pursue this matter further she abruptly hung up the phone. Before relocating to XXXX, I lived in XXXX, XXXX where I had opened my original US Bank account. I had always had excellent customer service from the branch that was managed by XXXX, whom I contacted about the recent matter. I travel back and forth between XXXX and XXXX. XXXX said she would look into it. XXXX, US Bank Branch Manager in XXXX, told me that he, not XXXX, would be the one to pursue the matter on my behalf. I am attaching a copy of a series of e-mails where XXXX made repeated promises to pursue the matter stating : " I have not forgotten about you XXXX. '' Lately, due to repeated negative customer service encounters, I decided to take my saving account from the US Bank. XXXX was encouraging me to also close my checking account but I refused to do so due to " outstanding business '' ( the matter I am describing in this complaint ). When I asked him if he had an answer for me about the ATM matter he said that my account did not originate in his branch but rather in XXXX, XXXX and that I should go back and talk to XXXX. He then told me that due to " paper work that you had filed with XXXX, US Bank does not owe you an explanation. '' He could not tell me what paper work he was talking about. He could not deny that he had not been in touch with XXXX either. I went back to XXXX ( please see attached e-mail ) and she promised to take care of the matter. However, weeks later I still had not heard from her. I placed several calls over a period of many days and I still did not hear from her until yesterday : she called to tell me that she had been in touch with several resources ( she could not name one such resource ) and has not been able to get me an answer. She admitted she had not contacted XXXX. She asked me to wait until she has had a chance to call the District Manager ( she has had lot of time to do so but has not ). Before going back to XXXX in XXXX, I reached out to XXXX who, according to XXXX, is the US Bank District Manager for my reside area in XXXX. Despite leaving her several messages over a period of several weeks, she has not returned my phone calls. I am at loss to understand what is going on with the transactions in question. I feel my consumer rights are being violated. Should there be an error in my own accounting, I am happy to take responsibility. I am simply requesting documentation of the transactions. | ||||||
| 07/29/2019 | Yes |
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| On XX/XX/2016, my colleague XXXX XXXX and I entered into contracts with XXXX XXXX XXXX of XXXX XXXX XXXX from XXXX XXXX, Nevada, who presented to me that he was the agent for XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX ). The agreement was for payment for appearances by these three artists at an event on which I was working in the XXXX Area. At the direction of Mr. XXXX, we were to deposit into his account certain agreed upon sums. The deposits into Mr. XXXX XXXX account were as follows : XX/XX/2016 - {$4000.00} ( Check XXXX. XXXX ) deposited at US Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX - {$6000.00} ( Check No. XXXX ) deposited at US Bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX An additional {$3500.00} was further deposited in form of a cashiers check to a US Bank in XXXX, CA by my colleague XXXX XXXX. After notifying Mr. XXXX of the deposits to his account, Mr. XXXX stated that hed not received the money. Therefore, on XX/XX/2016, I went to U.S. Bank again and asked the representative if the previous cashiers check for {$6000.00} had cleared. The representative stated that the check had not yet cleared. I then deposited {$1500.00} cash into Mr. XXXX account, and as soon as that deposit was made, the representative then stated that the previous cashiers check had in fact cleared and that Mr. XXXX had withdrawn XXXX XXXX Dollars ( {$5000.00} ) from the account. The total sum of the monies deposited into Mr. XXXX account was XXXX XXXX XXXX ( {$15000.00} ). On XX/XX/2016, I telephoned Mr. XXXX to inform him that the US Bank representative confirmed that the cashiers check of {$6000.00} deposited to his account had cleared. Mr. XXXX was upset that US Bank confirmed to me the clearing of the previous deposit. At this point, I suspected that we may have been a victim of fraud because the bank is saying that the check has cleared, whereas Mr. XXXX continued to state that he didn't receive the money. Upon this realization, I went to the US Bank branches in XXXX and XXXX XXXX and requested a stop payment on all checks deposited by us claiming fraud. The XXXX US Bank branch requested that I bring all documents and contracts to them. As requested, I did so and US Bank put a block on Mr. XXXX account while a pending investigation in this matter was in effect. On XX/XX/2016, US Bank returned to me {$4000.00}, and they told me that I should contact XXXX XXXX XXXX to file a claim against Mr. XXXX for fraud. I filed a fraud claim with XXXX XXXX XXXX ; however, with respect {$6000.00} deposit, XXXX XXXX XXXX stated that the Payee received the benefit of the funds, and therefore would not reimburse me for this amount. Moreover, on XX/XX/2016, I went to the XXXX Police Department to file a police report on this matter. While I was there, the police placed a telephone call to Mr. XXXX to question him about this incident. Mr. XXXX did not answer and did not return the call. As a longstanding patron of US Bank and of XXXX XXXX XXXX and with a significant number of family members being longtime employees of XXXX XXXX XXXX, I expected more than what I received in this situation. The inconsistency in the policies is disgraceful. On the one hand, US Bank returned {$4000.00} into my account when check had already cleared understanding the fraudulent activities by Mr. XXXX, but refused to return any additional deposit amounts and instead directing me to file a claim with XXXX XXXX XXXX. This is blatantly inconsistent and I request that XXXX XXXX XXXX, either itself or with US Bank, pursue my claim and issue me a refund of the remaining amount due ( {$11000.00} ). I agree to assist in any way I can in the prosecution of Mr. XXXX. Thank you for your anticipated cooperation in this matter. | ||||||
| 08/14/2018 | Yes |
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| It is our horrible misfortune that our original mortgage company sold our loan to US Bank several years back ago. Recently we had a large part of our property ( home roof ) damaged from hail and we had our insurance company come out and do an estimate. After their evaluation, the insurance adjuster provided an estimate and wrote out a check to us for {$28000.00}. They issued the check in our name and the mortgage company 's name ( US Bank ). On XX/XX/18, I brought the insurance check into a US Bank branch located inside my employer 's building but to have US Bank endorse the check but the US Bank representative explained that the amount of the check was over the threshold of $ XXXX, which then required that we had to go through this complicated process which requires uploading several e-documents in their system and for me to mail in the insurance check to their Insurance Processing Customer Service Center in XXXX, OH. It took many weeks working with the incompetent contracted service agents at the processing Center as each week someone different would tell me a different document was needed. Someone new would tell me we were still missing a required document. So I finally had to pull in our contractor ( XXXX XXXX ) to work directly with US Bank in hopes that it would expedite the service from US Bank. Unfortunately to our deep disappointment, almost two months later, US Bank was still was holding on to our check. US Bank claims that they still needed some more information from us, specifically our social security numbers, which they should have by now from our mortgage account. We recently had a rainfall the other week and water started to leak into our home. Luckily, we were able to contain the water from spreading but I am afraid there will be more rainfall to come and we will not be as fortunate next time. The rain will cause a leak and will damage the interior of our home as well as other items inside the home ( furniture, carpet, rugs, etc.. ) and worse of all, mold may form and cause health hazard for our family of XXXX ( including our young children ). Well after much disparity I finally emailed the US Bank representative in the US Bank branch located inside my employee 's building ( XXXX ) asking for assistance and explaining my frustration and deep disgust with how US Bank Insurance Processing Center was handling our situation. XXXX XXXX finally assisted me by working directly with the US Bank Hazard Insurance Processing Center and US Bank finally issued a check in our name and Next Gen in the amount of {$28000.00} on XX/XX/18. The contractor, XXXX XXXX XXXX then submitted a claim that they found additional repairs needed on our property. The insurance company issued a second check in the amount of {$2400.00} in our name and US Bank 's name. We have endorsed the check and brought it in on XX/XX/18 to have the check endorsed but once again, US Bank tells me that we need to provided an adjuster 's worksheet from the contractor ( XXXX XXXX ) and send in the check to the Processing Center again. I stated that this check was only for {$2400.00} and that it was a part of the original claim so I don't understand why we have to go through these hoops again. The US Bank representative asked to make a copy of the stub, she then kept the original stub and gave me the copy instead. She stated that she can not endorse my check and that I would need to mail the check to their Processing Center in order to get it endorsed. Please help us expedite this service so that we can get project started and repair the roof to our home. I do not understand who is regulating this and how US Bank is able to have this much control and manipulation over the money that I have invested for emergency situations such as this. | ||||||
| 03/08/2022 | Yes |
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| I reached out to U.S.BANK in the beginning of XXXX to refinance our mortgage. We had received different offers in the mail, including offers from U.S. BANK. The whole process was a mess! From uploading the information to who ever needed it. I was having trouble with scanning everything into the portal, so I stopped into a newby location and asked if they would scan everything in for me. Which they gave me a hard time about, because I didn't have an appointment. But, there was no other customers there or on the phone... Then she didn't scan all the information, which caused a hold up. Then the confusion of my husbands job. He has been a XXXX for many years! Which caused confusion. I would get multiple calls, often asking the same thing, asking for XXXX 's business information. In order to refinance we needed to have an appraisal done. Which they supplied the person but had to pay for it, which we did on XX/XX/2021. I get the call from my refinance lady XXXX XXXX saying everything is looking well, and they just needed to verify our employment information. She called me and let me know she did, and everything checked out, and our loan would be closing soon. At this point I did speak with my employers about going down to part time because I had received a better job offer. The conversation did not go well, and I was told they were not interested in that. Later, to find out that some how my information was wrong either from my then employer or at the bank but they had to call them back to verify which they also told them I didnt work for them anymore. Sigh, so another hurdle, even though I left for a better occupation, and have a solid work history my income no longer counted. Even though I would have waited to give my notice until after the loan was closed. So at this point XXXX tells me it will be ok, XXXX will be approved on his own income. Ok great! Well, maybe you might have to pay off your vehicle, even though in the mean time we had paid off his truck. After, working on paying off my vehicle, she then informs me that she was wrong that won't work... And that we have to wait at least 3 months for my income to count again.. At which point our interest rate was going to be 2.5 for a 15 year loan. Needless to say, after trying to work with U.S.BANK for 4 months to refinance we decided to look else where. The reason we were going with U.S. Bank in the first place was because that's were we had our original mortgage thru, that is where we have all accounts we thought that it would be the easiest. They already have all our information. Well we decided to work with XXXX XXXX, which requested the appraisal information. XXXX XXXX informed me that I needed to get the appraisal and a form n from U.S.BANK because they had tried via email and fax requesting it. Which I then forwarded the emails to XXXX and XXXX XXXX. I did not get a copy myself. I could not get anything to open. I asked several times, even called multiple times. XXXX XXXX sent me back a reply stating that in the 20 years he has worked in mortgage he has never sent an appraisal. Time went on, with more request even asking them to find a supervisor or someone else to send the information back over. Well the information was never sent, and time ran out. The appraisal expired, so I just had to pay to have another one done. This was a total nightmare experience, that was costly in our time, stress level, and money with no results. We have had lots of small problems here and there with this company, but this is the final straw with this company. After our refinance is completed we are closing all of ours accounts, and strongly recommending everyone else we know do the same thing. Currently we have our checkings, savings, credit cards and mortgage with U.S.BANK. | ||||||
| 07/26/2016 | Yes |
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| This case concerns a Fidelity-branded XXXX XXXX credit card that was overseen by XXXX XXXX XXXX, and the heart of my complaint is with them. However, the card has just been converted into a Fidelity Visa overseen by Elan Financial Services, who I am currently assigned to. On XXXX XXXX, XXXX 's fraud department called me to inform me of several unusual recent charges on my card, XXXX charges from XXXX XXXX, and XXXX from XXXX XXXX. As I did not authorize or recognize these charges, I flagged them as fraudulent, and XXXX removed the charges and issued me a replacement card. On XXXX XXXX, XXXX re-added the XXXX XXXX XXXX charges to my statement. ( But the XXXX XXXX charge was not re-added ). I called XXXX to ask about them, and XXXX advised that their claims department had overturned the dispute, saying that I did, in fact, make these purchases and benefited from them. In order to understand XXXX 's decision, I asked for access to relevant documentation used in the claim and/or the ability to talk with an authorized claims handler. Both were denied, and I was told that I would be contacted by another agent in several days. XXXX never followed up on my call with any correspondence. I called back on XXXX XXXX, and again on XXXX XXXX, with identical results, and lots of unhelpful call transfers back and forth between fraud or claims departments who advised that they were not in a position to help me. In one case, I was told that the only person in the company who could resolve my case was the claims agent who had decided against me, but that I was not allowed to have her name or contact information to get in touch with her and discuss my case. Eventually, an XXXX agent advised me that they reopened the claim, but offered me no opportunity to view the evidence they used, speak to a claims agent, or present my own documentation showing that I did not benefit from the charges. I did send a letter via certified mail on XXXX XXXX, formally disputing their claim findings and asking for resolution. On XXXX XXXX, I also contacted XXXX XXXX to learn more about the charges in question. We looked for receipts online using the confirmation numbers from the charges. While we found the records of the charges, there were no itemized records of tickets issued or services rendered because of these charges, suggesting that XXXX 's initial denial of my claim has no merit. XXXX advised their fraud department could investigate the history of these charges more closely, but would not share their findings with me, and I needed to go through XXXX. On XXXX XXXX, I called and was advised that my XXXX account was closed and moved to Elan, and that Elan is now responsible for my still open claim. I called Elan that day to make them aware of the existing claim, and was told someone would call be back within 24-48 hours, which I am currently waiting for. I also went online on XXXX XXXX and filed a refund request with XXXX XXXX, which is pending review. I am most upset with XXXX, whom I believe denied my claim and charged my card erroneously and whose poor communication has made it impossible for me to find recourse and fix the situation. Contact with them repeatedly gives the impression that they are more interested in getting me off the phone and trying to get me to go away rather than in reviewing the evidence, respecting my rights as a consumer, and resolving everything in a reasonable amount of time. Elan is the new party in this claim, and they are now responsible for resolving it. I am willing to give them time to address the claim. However, because XXXX 's evasive behavior has already made me wait so long, I am filing this complaint to ensure they have an incentive to resolve my complaint with good faith in a timely manner. | ||||||
| 03/29/2016 | Yes |
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| I contacted US Bank to open up a dispute of XXXX hotel stays XXXX was in XXXX XXXX and the other was XXXX XXXX both were XXXX XXXX so maybe I need to do a dispute with XXXX through you guys. Because I contacted XXXX on XXXX occasions and they were not willing to help me the first XXXX they said because it was in my husbands name they would n't talk to me so when i disputed with my bank and they came back and said they could n't dispute because we still stayed in the room when we drove from XXXX to XXXX what were we suppose to do it was during XXXX and all surrounding hotels were booked we looked, plus we bought tickets for XXXX 's not so scary XXXX XXXX so we needed to be a XXXX hotel for this event. I said it 's the same as fraud since they wo n't talk to me but it was my card used I just put the room in my husbands name. US Bank is still claiming services were provided and I agreed to terms of the hotel which i did had the hotel stay been good I would n't be disputing or fighting for my money back. I thought my bank would have my back if I had a terrible stay. This hotel was really bad and for {$600.00} was not what we expected at all and the hotel was disgusting. Then we stayed at a different disney hotel in XXXX XXXX and this stay was really disappointing they put us in a room that had wet carpet smelt like XXXX they should have never had us in this room and it was a moderate room middle of hotels so expected better quality but the bed was so thin and terrible worse than a XXXX XXXX hotel and at {$300.00} expected something better. I can provide my paperwork if you need it that I opened the disputes with US Bank within the dispute time frame but they denied saying XXXX would not allow the dispute because I agreed to the terms and because I stayed in the room but again because it was a bad stay I thought my bank would have my back and I would have grounds to dispute and get a refund no one should have to pay for a terrible stay and also the terrible customer service we have received now from XXXX suppose to be the happiest place on the earth we will never stay at another XXXX hotel after this we tried XXXX and because it was bad thought XXXX is different but still terrible. The reviews I read on XXXX hotels was great so how was I to know I would have a bad experience and I ca n't get refunded from XXXX why ca n't my bank take care of this for me? The stay in XXXX was over XXXX so again same situation could get another hotel in the area because it was a busy time and we flew from XXXX and made these arrangements based off reviews we read online that they were good how else are you suppose to know what to do and book a back up hotel because this hotel might XXXX and my banks going to make me pay for it if I stay the night at this XXXX hotel. Honestly had I known I would n't be able to dispute it I would have gave the hotel keys back to XXXX hotels to not get charged and slept in my car that 's what the bank essentially is saying. I 'm going to cancel my account after this with US Bank because if they ca n't help their customer with XXXX poor experiences through a dispute I do n't want to bank with them anymore, but wanted to see if their was anything else or having someone else step in if a proper dispute could be opened and real communication to XXXX on my behalf could be done since I ca n't talk I obviously need my bank to step in. They have n't even done that they just deny it right from the start. I stay at so many hotels around United States my husband and I like to travel and these are the only XXXX hotels I 've disputed with my bank because they were that bad and wo n't reason with us. It would be different if the merchant would talk to me and I could try to come to a solution with them but they wo n't. | ||||||
| 12/13/2021 | Yes |
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| My Name is XXXX XXXX XXXX I am co-owner of XXXX XXXX XXXX XXXX. We focus on credit repair to assist clients in purchasing homes, cars, as well as opening and maintaining business and whatever their credit is preventing them from obtaining. We read good reviews on US Bank small business product and was very excited to start an account with the bank. On XX/XX/2021 I opened a business account with US Bank located at XXXX XXXX XXXX XXXX XXXX NC XXXX with a small business representative XXXX. On XX/XX/2021 a letter was sent from the Account Closure Department stating they elected to close our account effective XX/XX/2021. The letter gave no explanation as to why they closed our account. I contacted US Bank customer service and was advised by a representative the account was till open on XX/XX/2021. On XX/XX/XXXX I made a cash deposit of XXXX at the US Bank ATM that evening before I went home I do not keep cash in my office. On Tuesday XXXX the XXXX I attempted to make a purchase with my US Bank XXXX card and it was declined. I went to the branch located at XXXX XXXX XXXX to discuss this matter in person on XX/XX/XXXX after my card was decline I was informed very rudely by the bank XXXX and a bank representative by the name of XXXX XXXX that the account was closed when I question why they referred me to the " Your Deposit Account Agreement '' hand book page 26 of the handbook which I read with XXXX XXXX and it did not make sense to either of us. At that time I felt embarrassed at the way I was being treated by the bank staff and manager I began to cry and ask why, at that time the manager smirked and laughed at me because I became emotional instead of trying to explain what was going on with my account. The manager treated me as if I was a criminal, I felt discriminated against XXXX XXXX XXXX XXXX XXXX and a small business owner. The manager gave me a number to contact XXXX XXXX XXXX who I was told is over the small business portfolio at US Bank. We contacted him and spoke with him on XX/XX/2021 He also treated me unfairly and called me delusional and confused and stated the account was not closed and hung up the phone. I reached out to the bank manager at the XXXX XXXX XXXX XXXX and was informed that he could not discuss my account with me and to contact XXXX XXXX. The bank also charged my account XXXX over draft fees for XXXX each which they put back after I went back to the branch on XX/XX/XXXX. I requested my balance of XXXX back and was told I would have to speak with XXXX XXXX for our balance back. I withdrew my XXXX out on XX/XX/XXXX and have a balance which the bank is refusing to release. We are a professional company with excellent reviews on XXXX, XXXX and word of mouth, we have a web page and a XXXX subscription. I know if I would have been a XXXX XXXX business owner I would have been treated fairly and my account would not have been closed. I would like an explanation as to why my account was closed and why I was treated so unfairly. I believe their actions were XXXX and discriminated because of the XXXX of my skin. I had just set up the account for my customers to XXXX their payments to the US Bank account which have cost me money to open a new business account for them to resend their payment, also I receive a wire transfer which was also denied by US Bank. This also made me look unprofessional to my customers as their payments were rejected because my account was frozen without my knowledge. I also was supposed to get a merchants account and the representative at US Bank XXXX XXXX XXXX was supposed to add the XXXX to my website for direct payment for easy access for my customers. This did not happen. I have had no insufficient funds and/or overdrafts as you will see from my attached XXXX statement | ||||||
| 05/29/2019 | Yes |
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| I purchased my home in XXXX County Oklahoma in XX/XX/XXXX for {$110000.00}. The lender was XXXX XXXX XXXX ; the loan was a federally funded FHA loan. Less than two years later, the loan was bought out by US Bank Home Mortgage without my input. Some years later, my now ex wife and I were late on a payment. I offered US Bank to pay half the late months payment along with the next month 's payment in full and repeat the process the following month to become current. I was told the past due and current amount had to be paid in full or they would take no payments. After repeated attempts, in XX/XX/XXXX, I qualified for modification. We paid nearly {$4000.00} in reinstatement monies and began making payments again in XX/XX/XXXX. After making monthly mortgage payments for nearly a year, in XX/XX/XXXX, US Bank out of the blue refused any and all payments from me. I had not been late, nor missed any payments. US Bank 's reason was that they required my Mother 's signature as a co borrower. No payments accepted, required to apply again over and over for modification, and US Bank refused to rectify any errors on a number of items, including the note where USB added my mother at least 8 years AFTER the original XX/XX/XXXX loan. My mother & father live in California. The original mortgage company, XXXX XXXX, assured my mother she wouldn't be on the loan as my parents had requested only ONE of them would sign. In fact, XXXX XXXX overnighted a single loan document for my father to sign in front of a notary and overnight back to them. My dad signed the document in front of a local notary licensed in XXXX XXXX County, California. He returned the legally notarized paper overnight to XXXX XXXX in XXXX XXXX. Dad 's notarized loan document has yet to show up anywhere from US Bank, but for years only my name and my dad 's name have appeared on US Bank statements and other documents. US Bank was notified repeatedly of this, including in responses to US Bank court documents in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX court documents, my mother was sued as a " co-borrower '' for the first time. I have a letter from the title company from XX/XX/XXXXstating neither my father nor mother were down as co borrowers. Since XX/XX/XXXX, I have sent in modification applications one after another and have been jerked around by US Bank. I have acted in absolute Good Faith throughout my dealings with US Bank. I have since been ravaged by a XXXX XXXX and I'm now on XXXX. I have written letter after letter to US Bank for years regarding this injustice, but only within the last month have I finally received any formal response from them. A little late, for they now have a sell date of XX/XX/XXXX on my home and stated that being in modification will not stop the sale unless my Mom either signs the paperwork or does a quit claim deed. Actually, given past practice, even then I have no assurances US Bank will comply with any laws or regulations on my behalf and give me modification. You have to understand my Mom is in a position on being forced to comply, under duress, with US Bank orders on a loan she knows she was not originally on. My Dad has provided his income and other information, as well as signing paperwork for the bank in order to help me, but without resolve. US Bank has tacked on additional interest and Fees in the so called Bubble at over {$91000.00} with the original principal at {$100000.00}. In XX/XX/XXXXthe principal was {$85000.00} according to US Bank Home Mortgage. US Bank is demanding over {$190000.00} for me to keep my home. The home is only valued at {$130000.00} currently. I don't know what to do at this point and would appreciate someone who will take on the bank that has ruined my life! Thank you, XXXX | ||||||
| 02/29/2016 | Yes |
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| I had wrote a complaint about a year ago and no one seems to listen. I keep getting passed on. I had a loan with US BANK my husband got laid off and my business was very slow. So we asked for a modification on our loan. So we filled out all the paperwork sent in and they sent us a modification raising our payment. They were not helpful at all so we got a postcard for XXXX XXXX paid them the fees and they said they would pursue or modification. We were told to do nothing until it was setteled. So we did then it kept dragging on and all we wanted was is to pay our loan. So we let XXXX go when they could not get us a modification. So we called US Bank and told them we wanted to modify again and they said they sent out the paperwork. At this time we told them we were no longing working with XXXX and had let them go. So we waited for the modification and received nothing. All of sudden we get a modification from XXXX and it was past due so I called US Bank and they informed me to just start paying. I went directly to US Bank to pay and kept paying. Then out of the blue we were told we could not pay any more payments. Did not make any sense they also sent everything still to XXXX even our payments after we told them we were not working with them at all. So then we were sent to a place that works for the government helping with modifications for free. She sent in another modification and it got rejected cause at this time my husband was back to work making good money. But then we were told we made to much money to do a modification. She told them that this process was started way before but she could not get them to modify and it was to late they were foreclosing. So every month for almost a year the foreclosure was stopped while it was looked at. We were locked out of our house before we even were served papers and could not get all our belongings. Then again we were never served. Then about two months ago we got a call stating we can get our house back we just had to sign the paperwork. They would come right to our house. But they wanted us to pay double the price the house is worth. So really we did nothing at that point trying to get them to reduce the value they wanted us to pay back. A lot of the fees were there fault and interest kept building up. They would have done a few years ago when we asked there would not have been all those late fees and lawyer fees. THen all of a sudden we got a person from US Bank who sent us {$25000.00}. and said they would take it all of our credit. This was okay but we lost our house and our belongings. On top of that we were in the paper for almost a year stating we were foreclosed on which we should not have been. WE made enough money to make our payments easy. Now we get a cancellation of debt stating they discharged {$77000.00}. the house is really only worth about XXXX. They have it on the market for XXXX and have a offer pending but not sold. So how can they state that amount when house is not sold???? Also its for our 2015 taxes. We are paying for all those fees that are not our fault when they messed up and it would have never got this big of a outstanding amount. We know they messed up and we are paying the price. WE never were served papers and the ones we got are for a whole different family. What happened to privacy. I still have the papers and all our correspondence. So I guess we feel that we got the bad end. WE have no credit so trying to find a place to live was impossible. To buy anything was out of the question. They have made our lives living XXXX. Its been a horrible situation and all we wanted was to pay our bills and keep our home. We make good money and they were told this way back. I feel they should be responsible for our losses. Thanks XXXX and XXXX XXXX | ||||||
| 10/09/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX XXXX I signed up, online, for a {$29.00} monthly fee for a basic study course for my granddaughter at XXXX. Since she would be the one using the account I put it in her name ( XXXX XXXX ) and her email. The credit card information of course was in my name along with my all my information. Within a week I noticed on my credit card statement I was being charged {$190.00}. Logging into the website I found I was being charge {$190.00} a month instead of the {$29.00} monthly. ( Attachment : study account info from website ) Their only form of communications I could find was through their online portal. I sent a request for help XX/XX/XXXX in which I stated to contact me at my phone number and/or my email. Giving them a few days I did not hear from the XXXX so I filed a dispute with my credit card XX/XX/XXXX. Elan credited {$170.00} back to my account. They sent a letter to me requesting proof that I had signed up for {$29.00} monthly. Since this was an online transaction I did not have that proof. By that time though I had contacted my granddaughter and found that XXXX was emailing her instead of me. I sent that email to Elan showing where I complained to the company, XXXX stating I had signed up for {$29.00} course. Along with that I answered the other information that I could provide. I received another letter on XX/XX/XXXX from Elan stating they still needed proof and requested I response to XXXXXXXX response. They included attachments from XXXX which showed their policies and that the account had been canceled and a refund was sent. It shows on XXXX attachment that the refund included the {$170.00} chargeback. It also states a partial refund of {$29.00} which was reimbursed to my account XX/XX/XXXX. I responded to ELANs letter stating the matter was resolved with a refund and attached email stating the money had been refunded by XXXX. I felt the matter had been resolved. Then on XX/XX/XXXX I received a letter from Elan, stating they could not help with my dispute and they charged my account {$170.00}. Immediately I reached out to XXXX in regards to this informing them the chargeback money had been resent to them on XX/XX/XXXX and needed to be refunded. XXXX finally worked with me directly stated in an email the money was refunded and I needed to work with the bank. I placed a call to Elan requesting this be looked into. I did not note my first call but was told the person working the dispute would call me back within several days. I called on 4 other occasions, XXXX, XX/XX/XXXX, XXXX, XXXX in regards to this usually being told of a returned phone call. I finally received a call back after requesting the manager call but unfortunately missed the call. When I attempted to return the call I was told quite rudely Elan can not help me because I have no proof of what I purchased or as Elan stated in a letter " there is insufficient information supplied to support your claim of incorrect amount '' Not knowing what to do I filed a complaint with FTC and the XXXX XXXX XXXX XXXX. I received communications back in regard to the XXXX complaint where again I was told Elan looked into it and found they had done nothing wrong. At this point I am confused. First off, I was under the impression that credit card companies were responsible for helping with incorrect charges. Also if XXXX refunded the {$190.00} on XX/XX/XXXX why am I am still out {$170.00}. And most important, why is ELAN or XXXX not helping but instead pointing fingers at each other. I have spent well over {$170.00} worth of my time on this matter but to me there is a huge principle at stake here. From the feelings I have gone through most people would have walked away and some company, Elan or XXXX, would have additional money at hand. | ||||||
| 03/02/2016 | Yes |
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| There was previous concerns regarding a mortgage that was wrongfully foreclosed on, prematurely during litigation 's with a mortgage lender, US Bank, which caused a great deal of adverse circumstances including homelessness and potential exacerbation of a traumatic condition, to whom of which Social Security XXXX was being sought. Social Security XXXX was also reported to the lender as a potential income source, however the period to provide all those documents was not sufficient for the lender and they proceeded with foreclosure even though the HAMP program was still investigating whether or not I qualified for their Emergency Home Owners Loan program, which the lender, also US Bank, stated I did not qualify for. The same lender was also competing with other companies to acquire mortgage backed securities off the notes on the mortgages, while also receiving federal funding in the form of TARP funds, and did not extend all options to several consumers, myself included & caused situations where some individuals transitioned, died, while undergoing the process of trying to redeem their homes or find recovery options. US Bank was also involved in a XXXX XXXX case to whom of which many individuals that banked with the lender as customers having checking accounts, also were defrauded via overdraft fees and Extenuating circumstances that were subtle, yet overt. An example would be the inner workings of the accounting methods which ultimately trickled upward to the investors and those in high corporate positions, while consumers and lower level employees were given ill mandates and instructions on how to receive aid to help with mortgages and negative account balances in their checking and or savings accounts. For the purpose of my mortgage, I previously submitted to the Consumer Financial Protection Bureau to get an update regarding the matter and also submitted information to the FHA Resource Center, the Hope Hotline and various other organizations to receive help including XXXX, who helped us navigate to the EHLP program option, which the lender neglected to provide to myself and the XXXX counselors seeking help with the mortgage. The only option provided was a four month forbearance to come up with a great sum of funds to cover the banks losses, while also being forced into the loss mitigation process and losing the home for small things like the actual home loan or not coming up with the tax money in time and thereby violating the local ordinances and further the lender utilizing the local ordinances to get the mortgage, insurance money from PMI and also the lien being defaulted, while also getting government aid. Ultimately, I returned to school after a time of homelessness and eventually getting my Social Security settlement, however I submitted information to the Comptroller of Currency and Rust Consulting group to review the lender and they ultimately said the same thing the lender stated, which was that we were not eligible to recover the home. This was after being circulated numerous times through different customer service agents in different groups and companies, all pointing back to the lender. The initial reason for such an error was a communication error between the lender and myself during processing where a paper did not go through during the loss mitigation process for the lender to properly process the paperwork ; either by a wrong number or malfunctioning equipment error, to whom of which the lender was given additional paperwork after additional attempts from that error were made to reconcile the error and salvage the mortgage and home. All individuals staying in the home had to vacate and we each suffered extensive loss and fear of not having a place to go, due to the situation. | ||||||
| 02/16/2022 | Yes |
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| On XXXX XXXX, I was notified via text message that there was a transfer of funds from my account for a XXXX purchase. I have never, nor do I know how to do such a thing. I " googled '' XXXX in search of a phone number to call to dispute this alleged purchase. I got someone on the phone that said he was from XXXX " fraud department '' and he would assist me in resolving the issue. He asked me to screen share ( on my phone ) so he could further investigate the matter. He had me download an app called " XXXX ''. I was walked through several steps as to what to do as he was supposedly looking into it. I need to point out that I DO NOT have any banking apps on my phone. He continued whatever he was doing and when he asked me to " allow '' during the screen sharing, I complied ( all the while, thinking I was getting the initial issue resolved ). This seemed to be taking some time so I decided to go sit down at my home office desk. Still listening to him tell me what he was doing, ( step by step ), I noticed out of the corner of my eye, that my desktop computer was " awake '' and something was happening. The opened page was MY US Bank online, and I watched some " XXXX '' transfers taking place. I immediately questioned HOW he did this and WHY he was, what appeared to be, transferring money from my account. I was told they have a way to get in so they can refund the money that was originally disputed in the previously mentioned XXXX purchase ( remember, I have no idea what this was ). I proceeded to watch and he kept assuring me that what he was doing was just to verify my identity and my account. He would transfer money to someone and then I would question it and then he would refund it????? I was quite alert to his many transactions and kept inquiring why just to be told " you can see I'm refunding some of the transfers also ''. The following is a list of the transfers TO and FROM individuals that he claimed were the " supervisors '' and or " account managers '' etc... ) none of whom I know. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These were NOT done in this order... there would be one debit then there would be a credit, then 3 debits and another credit would show up. I was feeling very uneasy about this and immediately shut down my computer and phone, I first contacted my banks, who closed all my accounts immediately. I then call my local Police Department and filed a report. I then reached out to US Bank fraud department and filed a claim. Claim got denied and I was told to go to the branch and speak with the branch manager, He stated all he could do is file an appeal to the denial of my claim. The second appeal was also denied. I called US Bank fraud department one more time and they said this was a XXXX issue and the bank holds no responsibility. I recently was speaking with someone who has an almost identical fraud/theft case as mine and told me about CFPB and docket no. XXXX and also about Regulation E, so here I am submitting my complaint in hopes I can get some assistance in retrieving my {$3400.00} BACK. I am not going to upload my police report, bank statements, and other paperwork submitted to US Bank at this time ( as it has my personal information on it ) but I will provide all documents when requested through a secure email or website. | ||||||
| 02/01/2016 | Yes |
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Web | Older American |
| I lost XXXX Reward Points on my Us Bank XXXX card in XXXX. When I applied for the card there was no indication that the points would expire in five years. I have a copy of a credit card offer from that period before the CFPB ( forwarded by mail ). I do all my banking on line but receive a paper statement that I file for taxes. US Bank Customer Service said that because I elect to receive paper statements US Bank was under no obligation no notify me on line or by email or account alert of the loss of points. If informed, I could have received {$790.00} cash reward. In XXXX, I never checked the REWARDS web site. I was saving my XXXX points for a dream trip to XXXX once my husband completed his XXXX. Obviously if I knew that there was a five year limit on REWARDS, I would have taken the {$790.00} check.. Also, if US Bank had stated that their points expired in five years, I would have used US Bank points for a trip in XXXX rather XXXX XXXX . In XXXX, US Bank sent a two big sleek brochures of their REWARDS program and my points as of XXXX XXXX and XXXX XXXX, XXXX but in all the fine print never said I would lose XXXX on XXXX XXXX, XXXX and XXXX on XXXX if I did not use the points now. ( I will send a copy by mail ). Customer Service claims that the five year limit must have been listed in some rules I received in XXXX or XXXX but said a copy of those rules was not available on the US Bank web site. I have checked with all the major credit card company 's ( XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX etc ) and none of them have a time limit on rewards. I think I was completely reasonable to be shocked that US Bank would take XXXX points from me. One US Bank Customer Service agent said that I would have been notified by email If only I had given up my right to a paper statement .Another Customer Service representative said that even though my email was on my profile, I had not given them permission to email me any notifications. Another Customer Service Representative said I was responsible because I had not set up an alert for my rewards. A supervisor in technical support said it was not possible to set up an alert on rewards points expiring. He also said that I was receiving the same Account Summary and 180 day list of purchases when I went on line whether I had requested paper statement or not. He said I would have to go to the REWARDS SCREEN to get any information on my rewards expiring or search out my original statement and download it to a new file.. I had no reason to go to REWARDS SCREEN because I could not take a trip in XXXX because of my husbands XXXX. On XXXX XXXX, XXXX, I checked the REWARDS SCREEN to purchase an airlines ticket for my granddaughter and found that had lost XXXX miles in XXXX. I was in total disbelief. After contacting XXXX major credit card companies, I found that rewards points do not expire among the industry leaders. At that point I looked at my statements for XXXX and found that on my XXXX XXXX Statement there was one line in a XXXX page statement : Points Expiring on XXXX. This warning was not available on the main screen. I would have had to download the statement to a Document File. Most customers using the online site would never download the actual statement and would miss this warning and others that followed. CFPB has made a gigantic improvement in the way credit card companies divulge information to consumers. I think that the REWARDS programs are not yet covered by CFPB. If the REWARDS program was covered, US BANK would have to clearly state on a credit application the FIVE year limit on Rewards and notify customers on the main computer screen when points expire. No rational person looses {$790.00} when they can get a cash reward by just asking!!! | ||||||
| 08/24/2016 | Yes |
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| About a month ago XXXX checks posted to my account, both of which overdrafted. After calling US bank for help resolving the issue, I was told that I could " turn off '' overdraft coverage so that any EFT that went through would be returned. I agreed to this, under the understanding and verbal verification from the employee on the phone that the XXXX checks would be paid, I would incur the overdraft fee, and then cover the checks on my next payday. Within three days after calling and making this change, I again checked my account and both checks had been returned and I had been charged a " returned check fee '', neither of which was said to me when I called and like I said before, I was told that both checks would be paid. I called back and spoke to another employee who became very defensive when I stated I was upset and said that I should " manage my money better '' and " not write checks if I did n't have the funds ''. I explained to her that I was fine with paying the overdraft fees along with the amount due for the checks when I got paid but I did n't agree to them being sent back and had no knowledge of the " returned check '' fees. She then said that she would return the XXXX fees and " turn back on '' overdraft coverage. A few days following this, I checked my account again only to find that while the fees had been credited to my account, both checks posted again - which were sent back and then I was again charged fees ( XXXX per check ). At this point I called the bank again and asked if there was anything I could do to resolve this, explained the situation, and made it clear that I would have to close my account if I could n't figure this out. The employee was very professional, understood my situation, and offered a service through the bank to make payments and bring the account current and stated that the overdraft protection was in fact " turned on '' and apologized. After calling the number, I learned that the service described was only offered to those whose account was in " overdraft '' status for 11 consecutive business days, which is n't possible as I receive direct deposit every two weeks, therefore, this would bring my account current before the 11 business days would pass. Following this, I waited until my next payday, paid the overdraft fees, bought groceries, paid bills, and bought some school supplies for my son as school starts XX/XX/XXXX. After this, the checks were once again posted to my account, returned, and fees were charged. At this point I again called US bank, explained my situation, and was told that if I could get to a branch Monday morning and talk to a teller or a manager, that there was a possibility that my fees could be returned, the checks paid, and the pending fees cancelled. Monday morning I took an early lunch and drove to the branch and arrived around XXXX. I first spoke with a bank teller, who then directed me to the manager of the branch. I explained my situation to her and noted that not once had US bank offered any reasonable means of workout options and that if I could n't fix this I would have to close the account. She printed off my transactions, noted the overdraft fees and the checks that had been returned, and told me that there was nothing she could do since they had already returned overdraft fees in the past. I explained to her again the situation at the beginning and how had the checks been paid, I would have never received any fees but the first XXXX overdraft fees and been able to pay the checks at a later date. She replied that this was my problem, that I needed to quit writing checks, and that she would put a " stop debit '' on my account in order for the checks to quit going through and, in summary, that this was my problem to figure out. | ||||||
| 08/24/2022 | Yes |
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Web | Older American |
| Explanation of Circumstances : A conditional approval of the Deed-in-Lieu of Foreclosure, dated XXXX, was mailed to the Complainants ( see attached ). Per the conditional approval letter, a property inspection was conducted by a vendor of the U.S. Bank on or about XX/XX/XXXX Subsequent to the inspection, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of the U.S. Bank, filed a claim for damages with the XXXX XXXX XXXX, claiming damages to the dwelling and structure including but not limited to water damage to ceilings, walls and floorings due to burst pipes ( see attached ). Inspection of the subject property by the Claimants General Contractor revealed no damage of the type stated in XXXX claim. Photographs of the propertys interior taken by the Claimants General Contractor were shared with XXXX XXXX of XXXX ( see attached email exchange ). A letter to the Claimants from U. S. Bank, dated XXXX, stated the request for an alternative foreclosure option has been declined for the following reason : the subject property is not in an acceptable condition per program guidelines ( see attached ). On XX/XX/XXXX, XXXX XXXX sent a letter to XXXX XXXX XXXX, denying the insurance claim based on evidence from the Claimants General Contractor and stating, the walls were not wet and only some minor wear and tear ( see attached ) On XX/XX/XXXX, the Claimant sent a letter to the U.S. Bank disputing the vendor-inspectors characterization of damages at the subject property, referencing the Claimants own inspection, the denial of the XXXX insurance claim, and requesting that the Deed-in-Lieu of Foreclosure file be reopened. On XX/XX/XXXX, the Claimants received a letter from U.S. Bank dated XXXX, stating that the bank had found no errors in its decision to decline approval of the Deed-in-Lieu of Foreclosure. The letter also states that while the insurance claim was denied, per the inspection, there was evidence of water damage and neglect of the property. The letter further states that, we have enclosed documents and information to determine that no error has occurred ( see attached ). The aforementioned documents and information were not included with the letter dated XX/XX/XXXX. The Claimants have requested copies of those documents ( see attached ). Other pertinent information : 1. Since the inspection report on or about XXXX, has been referenced numerous times as the basis for the denial of the Deed-in-Lieu of Foreclosure, Claimants have attempted to obtain a copy of the report. An email from the U.S. Bank stating that such reports will only be released under court order ( see attached ) 2. In a discussion with XXXX XXXX about the inspection report, he stated the following : : The inspector, XXXX XXXX, has been working as an agent reporting on the subject property since XXXX. : The report is a series of check boxes as to the propertys condition. : That the report lacks any specificity as to the condition. : The report does note water damage, mold and fascia damage, however is not specific as to where the damage exists or the extent of damages. : In his experience, agents such as XXXX, note every possible flaw related to the subject property, in an effort to secure work orders to repair the damages. : In his experience related to vacant properties, the subject property is in excellent condition and some of the best he has ever seen. 3. The Claimants have been involved in numerous Loss Mitigation programs with the U.S. Bank over the past three years, including Short Sale. Due to market conditions, varying appraisal amounts and decisions such as the most recent by the Bank, none of those have been successful. The subject property is now at risk of foreclosure. The foreclosure is active ( see attached email ). | ||||||
| 08/13/2018 | Yes |
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| XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Closing an account We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Open account US BANK XXXX FUNDED Account with Legal Tender FINANCIAL INSTRUMENTS # XXXX AND CHECK FROM ACCOUNT XXXX ACCOUNT WAS OPENED WITH UNLIMITED PREPAID FUNDING FROM FEDERAL RESERVE ACCOUNT XXXX WHICH WAS ESTABLISHED WHEN I WAS BORN ON XX/XX/XXXX WHEN MY MOTHER SIGNED ME OVER TO THE FEDERAL GOVERNMENT WHICH IS NO LONGER IS MY EXECUTORS OR ADMINISTRATORS I AM THE SOLE BENEFICIARY OF MY FEDERAL RESERVE ACCOUNTS XXXX AND XXXX NO XXXX HAS ANYMORE POWER OF MY UTILITY XXXX MAN THAT WAS CREATED AFTER CERTIFICATE OF LIVE BIRTH CREATED BY THE XXXX XXXX Amen View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.SO I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GIVE MY AUTHORIZATION TO THE OFFICE OF THE CONTROLLER OF THE CURRENCY GIVE ( XXXX ) AND CFPB ONLY AUTHORIZATION TO LOOK INTO THIS MATTER ON THE DIVINE KING MATTER TO FIND OUT WHY THESE BANKS TRYING TO STEAL MY FINANCIAL INSTRUMENT XXXX /ASSETS FROM ME! ALL I DID WAS DONE BUSINESS WITH CORRUPT BANKERS WHO ARE TIDE TO OUR DEEP STATE GOV WHO IS FINANCE BY XXXX XXXX WHO WAS THE HEAD OF WORLD FINANCE THAT WILL NO LONGER BE IN EFFECT AFTER XX/XX/XXXX SAYS AMEN.. PLEASE REPENT BECAUSE WE WHERE ALL SINNERS IN XXXX XXXX XXXX XXXX WHICH ME AND FATHER BROKE THERE BLACK MONEY MAGIC PRACTICES ON THE WHOLE WORLD.. TO ALL MY CHILDREN YOU DON'T HAVE TO BE AFRAID NO MORE I'M HERE IN WASHINGTON DC DESTROYING ALL HOLDS OF THE XXXX XXXX SYSTEM! I WON THERE WILL BE A CHANGE FOR THE PEOPLE AND BY THE PEOPLE OUR NEW RESERVE SYSTEM Name XXXX FEDERAL RESERVE OF THE XXXX XXXX XXXX XXXX Relationship Entity Percentage Assigned 05.92 % SSN/TIN XXXX WHICH WILL HOLD THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to Capital SSN/TIN XXXX Name TREASURY DEPARTMENT TO THE THRONE OF XXXX Relationship Entity Percentage Assigned 05.88 % SSN/TIN XXXX Name DENIM XXXX XXXX XXXX Relation Beneficiary Summary Keep your beneficiaries up to date to ensure your assets end up in the right hands. Learn more about updating your beneficiaries Add beneficiaries for these accounts Individual XXXX Add beneficiaries for Individual ( XXXX ) |Copy beneficiaries to Individual ( XXXX ) Edit your beneficiaries for these accounts Individual - XXXX XXXX Edit beneficiaries for Individual - XXXX ( XXXX ) PRIMARY Name XXXX XXXX XXXX XXXX Relationship Non-Spouse Percentage Assigned 100 % Date of Birth XX/XX/XXXX SSN/TIN XXXX Per Stirpes No CONTINGENT Name XXXX FEDERAL RESERVE OF THE XXXX XXXX XXXX XXXX Relationship Entity Percentage Assigned 05.92 % SSN/TIN XXXX Name TREASURY DEPARTMENT TO THE THRONE OF XXXX | ||||||
| 10/16/2021 | Yes |
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| The exact issue I have with U.S. Bank is around the misleading and inaccurate information they provided. Due to their information, I took actions which ended up incurring financial damages to myself and my family, which could have been avoided had their practices been honest and straightforward. On XX/XX/XXXX, I had received a check which I deposited into my account. The amount was for {$3900.00}, but ended up being a scam. I had been talking with " XXXX XXXX '' ( who ended up being a scam ), for a little over a week. The nature of the conversation was due to a roommate transfer. When the check came in, things started to seem odd. I began to question the validity of the transaction. I deposited the check via the " Mobile Deposit '' feature on the bank app. The message that comes up says, " you will be given a loan of {$220.00} until the check clears, at which time you will receive the remainder of the amount. '' I have deposited enough checks to know the process. So, I deposited the check and told " XXXX '' that no money was going to transfer until the check cleared. The next day, when I checked on my account, the money had gone in, and when I checked the status of the check, it had said cleared on it. After that, I concluded that the check was good and it was simply a strange situation. I proceeded with a money transfer with " XXXX '' at which time she sent another check for a different amount. Later that day, on XX/XX/XXXX, I checked the status of my account and saw that I had gone almost {$800.00} in the negative. It turns out the check was flagged for being a fraudulent check, and the {$3900.00} loan was pulled from my account. I immediately called my branch, and talked with them about the situation, which we stopped the second check from moving forward. She filed a fraud claim, and I had filed a report as well as claim with XXXX. When I checked the online portal, the check remained saying " cleared '' for 24 hours even after my checking account had the amount rescinded. I diligently checked the status of the fraud claim until it came back as " declined '' because I had willingly given the money. XXXX has yet to contact me at all, while U.S. Bank has simply told me that " this just happens '' or " yeah, I've seen this a lot. '' After getting the fraud case declined, I proceeded to try 3 different times ( twice calling, and once in the branch ) talking with U.S. Bank about a resolution to the misleading information and how I felt I was a victim of their poor practice. They said that the check was up to review for at least 5 days, and that U.S. Bank makes it a practice to give " good faith loans '' of the check amount. I had said that their information on the mobile app did not reflect that information, and that if I had known the specifics of bank to bank communications, I could have waited until the check was definitively cleared or declined. Instead, they said they would remove the {$19.00} bounced check fee because I had alerted them early enough. After being with them for well over 10 years, this feels like a slap to the face ; the least they could do is take responsibility for their verbiage instead of pushing blame. I am willing to accept that I had deposited a bad check and that I made a mistake. But when U.S. Bank gives specific information about the status of money - even to the point that XXXX is able to transfer money ( keep in mind, XXXX won't transfer an amount that is not in your checking account, which includes pending transactions )- I feel like U.S. Bank needs to update their practices and make right their misinformation. I do not understand how I am expected to trust a financial organization with these practices in an economy that is so digital and fast-paced. | ||||||
| 09/02/2022 | Yes |
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| On XX/XX/2022, I placed an online order with XXXX XXXX which included XXXX items : Bathroom faucet @ {$36.00}, gas range stove @ {$510.00}, ( XXXX ) over the range microwave @ {$210.00}, Refrigerator @ {$960.00}, electric dryer @ {$560.00}, Top load washer @ {$480.00} drop-in kitchen sink @ {$270.00}. The total amount for this order was {$3200.00}. On XX/XX/2022, one item ( drop-in kitchen sink @ {$270.00} ) was canceled and the credit was issued. Therefore the total for my order of now 7 items was {$2900.00}. I placed another online order for the same drop-in sink on XX/XX/2022 after being notified that item was canceled. Even though this item was an online order I opted to pickup item in-store. My card was charged for the {$270.00}. On XX/XX/2022 the bathroom faucet was delivered. On XX/XX/2022 5 items were delivered : refrigerator, stove, washer, dryer and 1 ( one ) microwave. There should have been two microwaves delivered. The delivery driver put a note on the delivery form stating one of the microwaves weren't delivered and that out of the 4 items on that particular delivery form ( the remaining two out of the six items being delivered ( washer and dryer ) were on another delivery form ) only XXXX parts were delivered. The second microwave was not delivered. The delivery person took photos of ALL items that were delivered. I immediately contacted home depot to inform them that I did not receive one of my microwaves via text. They stated they would do an investigation and would have to contact the delivery company to find the item. Several days have went by and I didn't hear from them, so each time I contacted them they would tell me they were waiting for a response from the supervisor of the delivery company. On XX/XX/2022, when i contacted home depot they stated they see the item was not delivered from the pictures and the note the delivery person left and that they would send out a new microwave with a delivery date of XXXX XXXX. They also had to reach out to XXXX ( the manufacturing company of the microwave ) in order to get the item re-delivered. XX/XX/2022 came and NO DELIVERY or even A CONFIRMATION of delivery. By the time XXXX XXXX came around and they again acted as if they didn't know what was going on and acted like they gave me a credit of {$270.00} already. The credit for {$270.00} was for the cancellation of the DROP-IN SINK. The amount of the microwave was for {$210.00}. They never credited me for the microwave that I never received and still keep insisting that they did issue the credit when they didn't. This transaction was on my XXXX card ending in XXXX in which XXXX sided with the company over their long standing customer without even getting any documentation from me to back my claim up. I contacted XXXX on XX/XX/2022 to open this dispute since XXXX XXXX keeps giving me the run around. XXXX has shown numerous occasions how shady they can be. Especially to a customer that has NEVER had to file a dispute on this credit card account since I've been with them. XXXX came up with this decision in a matter of 3 days. Not only have XXXX XXXX has caused me XXXX XXXX, and caused my account balance to reflect an incorrect balance for nearly 2 months now ruining my credit reputation, but XXXX as well. I have not only the delivery receipt stating the microwave wasn't delivered but the original text when dated back from XX/XX/XXXX when the other items were delivered informing home depot that XXXX of my items weren't delivered. AS WELL AS ALL PHONE RECORDINGS FROM ALL CONTACT WITH XXXX XXXXXXXX XXXX XXXX can listen to the call to me on XX/XX/2022 @ XXXX for 47 mins of their customer service representative canceling the microwave re-delivery and them attempting to issue me a credit. | ||||||
| 08/01/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX I deposited a small XXXX XXXX check for missing items from my deceased father 's apartment which was sent to me after his death on XX/XX/XXXX. He died of XXXX and due to grieving and other family complications ( husband diagnosed with XXXX XXXX XXXX XXXX XXXX following his XXXX XXXX ), I did not deposit this check for quite some time. My husband 's father passed in the interim and we were told by his father 's executor that we could deposit an older check written to him in the automatic teller and it would be fine. I did that and it turned into a nasty fiasco with US Bank in which they REFUSED TO COMMUNICATE WITH ME, REFUSED TO ACCEPT MONEY TO BRING THE ACCOUNT TO XXXX BEFORE CLOSURE, REFUSED TO INFORM ME FOR MONTHS. This is the work of the so-called " back office '' which strikes fear into the hearts of tellers, bankers and managers. As a result, I was treated like a criminal when I first went to a US Bank branch in XXXX XXXX, XXXX on a Saturday ( XX/XX/XXXX ) after learning that my account was frozen and we could therefore not get back to our hotel in XXXX XXXX, XXXX Not only was I refused to deposit cash in the amount of roughly {$190.00} but I was treated roughly. My XXXX XXXX XXXX, terminally XXXX XXXX and I and XXXX XXXX XXXX were left without transportation. I finally found old-fashioned cabs to take cash payments and, hours later, found our way back. The following Monday, I called for the Manager of my branch who was " in meetings ', next day " out '', then " out of vacation '', same for Assistant Manager and both at the same time. I was also very rudely treated when I called the branch on XX/XX/XXXX as XXXX employee was yelling on the phone and told me there was nothing she could do or she'd lose her job. I was seeking information at that time about what happened. I had no knowledge of what the problem was, etc. I asked for the check or a copy returned to me multiple times and a letter or call. Nothing was received. I called the number on the back of our cards. I was told yesterday XX/XX/XXXX that our account was " charged off '' for {$180.00} without so much as even allowing us to pay cash to clear it though I tried XXXX different times at my branch and another branch. THIS BANK IS CREATING WRITE OFFS FOR ITSELF AT THE EXPENSE OF ACCOUNT HOLDERS AND THE PUBLIC AND FOR NO GOOD REASON. This check has since been reissued and could have been reissued much earlier by XXXX with a little old fashioned communication and customer service on the part of " US BANK ''. I have obtained the necessary paperwork from my new bank ( XXXX ) to have notarized for small estate status, which applies here, in order to appropriately cash this check. WHAT A SHAME THAT PEOPLE SITTING AT HOME IN PAJAMAS BACK OFFICE ARE ALLOWED TO MISTREAT GRIEVING FAMILY MEMBERS FOLLOWING COVID LOSES TO CLAIM WRITE OFFS FOR A CROOKED BANK. My husband was also lied to about having qualified for a credit card so he would give our account opening agent at our home branch permission to " send him a credit card ''. He was denied and did not receive a card but did receive a hit on his report. I questioned it at the time. If he is qualified, then why does he need to wait to qualify? THIS BANK IS SUPER XXXX!!!! AND EMPLOYEES SUPER NASTY!!! THE XXXX OF OUR HOME BRANCH WAS EACH TIME I EVER APPROACHED HER FOR ASSISTANCE ON ANYTHING JUST AS SNYDE AND RUDE AS SHE COULD BE. Be done with this bank. We want to pay off this charged off amount and have the charge off reversed. WHAT A NASTY MEMORY OF LOSING MY FATHER TO XXXX. AND TERRIBLE TREATMENT FOR SUCH A SMALL AMOUNT OF MONEY WIHTOUT ANY COMMUNICATION. Other banks also have these similar practices. Get rid of " back offices '' or heavily regulate them now. THEY ARE XXXX | ||||||
| 12/25/2021 | Yes |
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| On XXXX XXXX 2021 I purchased XXXX {$100.00} XXXX XXXX XXXX from XXXX XXXX located on XXXX XXXX in XXXX XXXX, Oregon. I wrapped them and placed them under our XXXX tree as part of my childrens XXXX gifts. The morning of XX/XX/2021, we woke up and unwrapped our XXXX presents. I have video proof of my kids opening them and them being still in their original packaging and never having been opened or used. After we finished opening gifts, I went to the website on the back of the card XXXX to register the card ending in XXXX so they could use it. I immediately learned that someone in XXXX XXXX California had fraudulently used the card for a purchase just under {$71.00} on the card on XX/XX/2021. There is also another pending charge for {$2.00} from some other company in XXXX XXXX for the same date. This was not me, as we live in Oregon and I can prove we were here in Oregon on that date. I can also prove that we had never opened the cards until XX/XX/2021 so even we never had access to the card or card number. I called the number from their site of XXXX and not nothing but the run around from XXXX of their customer service reps. I talked to people who claimed that they were managers and they still refused to say anything that we will mail you paperwork and MAYBE you will get the money back that was stolen. On top of that, the balance that hadn't been stolen is now locked and they are refusing me access to any of it until I get these alleged papers in the mail. I say alleged because with how I was treated and spoken to - I frankly do not trust these people to do the right thing and return my XXXX XXXX PRESENT that was stolen by thieves AND by these shady reps. Several times I asked for a name of their corporate company and a phone number and they refused. I even have it all recorded since I have cameras in my home and they were on speaker phone. So I can prove the reps refused to give me any information or help and were doing everything in their power to ensure I not only lost the {$73.00} in fraudulent charges but also the remaining balance of {$27.00}. They told me I had to wait for the forms that are supposedly coming in the mail and that it could take XXXX DAYS to resolve. XXXX MONTHS for my child to be able to use his XXXX present. A REAL bank with REAL customer service would have issued a temporary credit while it was investigated. They also immediately panicked when I told them I have it all recorded since I have security cameras and they were on speaker phone, and hung up. In my opinion, this further proves they are shady and going to try to not appropriately handle the fraud as they should since if they were above board, it shouldn't have mattered if it was on record, right? This whole interaction caused me to have a XXXX XXXX ( I have XXXX and can prove that too ) because as I XXXX mother with an XXXX XXXX XXXX XXXX XXXX, I have to work hard to not only provide food and shelter for my kids by myself, but even harder to be able to provide them nice gifts like this. The way I was treated by the customer service reps ( who really should have titles because service is NOT what they provided ) ruined our XXXX morning. I had a child who was heartbroken that he was not going to be able to use XXXX of his new electronic toys because he could not purchase games for it due to this. I have also filed a police report with XXXX XXXX XXXX of the XXXX Police Department regarding the whole thing. That police report number is XXXX. It was filed XX/XX/2021 at approximately XXXX XXXX. I have also attached the pics of the front and back of the gift card, the receipt from when I purchased them, and a photo of my kids opening them BRAND NEW and NEVER USED on XXXX morning ( I have video as well ) | ||||||
| 03/27/2023 | Yes |
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| I have many issues with US Bank. I have attempted to remedy this for over two years via both the branch and recently with the office of the President. I have audio of both the fraud department and the branch manager admitting that there were internal errors that caused significant damage to my monetary assets in three accounts. I also have statements that reflect the issues. # 1 lost/stolen cards being active for more than 2 years # 2 lost/stolen cards having activity and US failing to return my money. # 3 enormous amounts of over draft fees that do not reflect being over drawn in accordance with deposits & balance sheet # 4 US Bank failed to return overdrafts per their policies # 5 reported inaccurate information preventing me from going to another Bank and forcing me to continue with them. # 6 caused significant damage to my monetary assets *Example card XXXX was reported as hacked XX/XX/XXXX via branch location and a temporary replacement card received. That card was to be deactivated at the moment the bank was notified and temporary card activated. The card continued until XX/XX/XXXX. This was the case with two other cards as well. It was obvious that the activity was being permitted both the fraud department and branch both on recorded audio stated the card ( s ) should have immediately been deactivated and no activity been permitted. I flew into the branch from Florida to Ohio to meet with the Branch manager. He contacted the claims division at which time they told him " he had a duty to make right the wrongs and to return all money that had been removed from my accounts both with the cards and the overdrafts '' On the recording he stated the loss was too great for the branch and would have to be handled by the office of the president. The office of the President contacted me and requested I highlight every transaction from each of the accounts and each of the lost/stolen cards as well as overdrafts that should've been returned. They were aware of the audio recordings I played them for them over the phone. She requested I not make a complaint with either the comptroller of currency nor the consumer financial protection agency as it would prevent them from investigating. They mailed me four years of bank statements but did not include where to send the statements back to nor send an instruction letter as XXXX had stated she would. I work XXXX jobs and it's been a very difficult task to go over thousands of transaction and highlight of even make logical sense of the over drafts. They are not showing what was over drawn just an amount for example as shown on the samples I've sent to you. It truly looks like they simply charged me {$95.00}, {$1800.00} in a single month another {$1300.00} the following and this practice goes back to the very beginning of the accounts and continued on over drafts but the balance sheet and the deposit sheet reflect otherwise. I signed up to have any transactions be denied if funds weren't available and linked by DBA account to my personal account to avoid overdrafts however I was told it was showing that it was set up that way but the internal bank error was creating an over ride. Everyone I speak to at US Bank does the same thing... Customer service sends me to fraud, fraud sends me to claims, claims sends me to complaint department, complaint department sends me to a supervisor and no one returns my calls. I'm very upset as would anyone who trusted their money to be safe in a large bank. I have had bank accounts with XXXX XXXX and XXXX XXXX XXXX and never had these errors. I requested all accounts to be frozen while they investigate yet they did not and continued to allow transactions once again putting my account into over draft. | ||||||
| 01/10/2021 | Yes |
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| never authorized anyone to enroll me in over draft protection an I want this fixed. XXXX XXXX I have a us bank XXXX XXXX XXXX XXXX, an I am writing this an I will be calling my local branch on Monday due to the fact that I am outraged by the fact that it took me quite a while to under stand why I can get my balance out of the neg.knowing it stemmed from a 10 day hold that was placed on a check that was deposited of a authorized user for 10 days. When I came into the branch I explained how I was wrongly accused of depositing a check I knew would not clear, when it did an then I was lied to by the manager who agreed to take the NSF because of the hold off my account an return the money back to my account an then only removed 2 of the 4 that I was charged. From that point on I was repeatedly hit will NSF fees of XXXX each for up to 4 an 5 times a day when according to what I saw every thing cleared. Now after not only depositing twice what I needed to to get out of the negative I still cant get my bills paid. I NEVER ENROLLED IN ACCOUNT PROTECTION. In fact when I was in the branch that after noon I was told I would be switched to a standard account which has less fee charges. In less that 30 days I have paid 43 NSF fees which total roughly XXXX when we live pay check to pay check an no after being diagnosed with XXXX an quarantined from work money is tight. And I cant buy food I cant buy gass or pay my bills because of this clear reason as to why the federal government put a law in place that forbids banks from automatically enrolling customers into account over draft protection. I am beyond furious. I cant even get gas to go to work when I am release I am closing this account an think that in these very hard times your bank should be ashamed of this first I was told I was a lier an then my account is XXXX of XXXX putting me so far into debt I could loose every thing I am consider legal counseling on this matter if I dont get refunded this obscene amount of over draft fees. 2010 the federal reserves forbid banks from automatically enrolling customers in over draft protection for this very reason then then in the mist of covid another federal restriction was put in place so that people hit by the covid financially didnt have to worry about fees being withdrawn. Inlets than 30 DAYS XXXX IN FEES WERE STRIPPED FROM MY ACCOUNT LEAVING ME SO CONFUSED THST I FINALLY DOWNLOADED ALL MY STATEMENTS TO BE HORRIFIED THAT A BANK CAN LEGALLY DO THIS AN NEVER SAY ONE WORD. I TRIED MANY TIMES to CALL THE BRANCH AN THE PHONES HAVE BEEN NOT ANSWERED BECAUSE THE LOBBY IS CLOSED. Do you have any idea how frustrating it is to not be able to put gas in your car just to get home or have no money for grocery my car payment is now late because of this. I mean the list goes on an on I filed a complaint today an was able to get your email. Because I explained how iv been calling an people thought I was lying because I wasnt able to get threw day after day confused broke borrowing money feeling ashamed cause I never had a problem paying my bills before I have deposited over XXXX in the last 2 months an this bank note I only locked up my account for 10 days but again for 5 days an took XXXX leaving me owing you an I want this fixed now. I am prepared to take all my documents to the highest level possible because Im not going to loose everything I have worked for over something I did not authorize or ask for. I know all about how this program works its a rip off so it never crossed my mind that was the problem until I started investigating it thinking I clearly did the math all wrong only to be shocked to see it wasnt my fault. An I am still suffocating from this financially so I am prepared to go legal if I have to. | ||||||
| 10/04/2022 | Yes |
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Web | Servicemember |
| As a brand new customer of US BANK I had fraud on my checking account. I reported it immediately, and was advised by branch manager to open new account and close old account. The new account had nearly identical fraud immediately. I again reported each and every detail. I receive provisional credit in XX/XX/2022 and on XX/XX/XXXX a note was placed on the account of the second fraud in fractions stating do not remove hold. Account will be closed and remaining funds Will arrive to consumer in form of cashiers check. I did not receive the full amount for provisional credits and with the help of the fraud liaison department was able to conclude the work up of the fraud was incomplete. The fraud liaison submitted the additional items, provisional credit was awarded nearly immediately, and letters of final judgments in my favor for the prior provisional credit have been trickling in as each incident is worked up by different members of the fraud team. Again the note/hold was placed by the department of risk assessment on XX/XX/XXXX. On XX/XX/XXXX the additional items were located because the amount deposited was definitely not adding up to the amount of provisional credits. I went into the bank as advised by the fraud liaison department on Saturday to have the bank manager override the hold and place the {$650.00} into a new account which is waiting to be funded. The bank manager refused to remove the hold as advised by the fraud liability supervisor. Internal messaging went back and forth. I have made several trips to the bank as well as my home bank which I have only been to one time but was told I must go through that bank. It is a simple transfer of funds and or close the account give me the cashiers check at the teller and I will move on. I received notice today from a banker at the bank for the bank manager originally refused to override the hold which is in his power. The banker, XXXX, I received an email from the person who placed the whole back in XXXX on the first and the person stated they will not be removing the hold, and my funds will not be released until the account is closed and all of the fraud items are final. The computer has awarded me provisional credit. There are checks and balances in place for this reason. The person who placed the hold on the account did it at my request in the first place. I wanted the account closed. I was told the account could not be closed until all provisional credits were received and I was finished with the entire claim. I have spoken to no less than over 50 employees of US BANK and at least 40 of them in the fraud department. This is not an exaggeration. The person who originally placed the hold on the count waited until the original provisional credit was awarded. I was advised to remove the funds as I did. The person who placed the original hold on the account was unaware that the fraud claim was incomplete. I was told to be patient and I was. I have lost patience at this point. My funds are being held XXXX for no reason. There is no legitimate reason my funds should not be in my hands at this moment. It is a provisional credit awarded to me. The person who placed the hold on the account and the bank manager who refuses to override the hold and is able to, are completely out of line and playing XXXX. I was reading in the parameters and it states clearly 10 business days then 20 business days for new account which would happen its been over months now and I am getting absolutely nowhere. I am a XXXX veteran of the United States XXXX and whether I am a veteran or a civilian it simply shouldnt even come into play. My funds, my money, it is not only unlawful to hold them without just cause, it is inhumane. | ||||||
| 09/01/2016 | Yes |
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| I faced a hardship and discrimination & illegal eviction by US Bank. I became XXXX on my job & the original loan me and my husband applied from the beginning that stated that if we became XXXX they would make the payment for us and that never happened even though I spoke directly with the bank and explained every issue from day one to keep them updated on what was going on. I lost my job due to becoming XXXX on the job job, caused by the job. on XXXX 2014 MY Husband abandoned me & our property, I told he bank Immediately. XXXX 2014 I filed for bankruptcy because US bank was trying to sale my home even though the case worker XXXX XXXX with Us bank assured me that I would not lose my home. my husband agreed to remove his name off quick claim deed so that I could still keep my home and they sold my home anyway. I also feel discriminated against because if I called into the bank which I am XXXX and my husband is white, I called into the bank put in my social security number the line hung up on me but when I would call back I then put my husbands social security number in I get a case worker immediately, they were intentionally trying to avoid settling with me or helping me. I was back in hospital and when got out I was under supervision of my father in XXXX XXXX which my home is XXXX XXXX I contacted the bank immediately and told them that I am not abandoning my property but I was under my fathers supervision due to XXXX issue, once I notified them of this they told me that if if I lost my home I would get an eviction letter at my fathers home both to notify me but they went into my home I found when I re I returned back home all of my property over XXXX of gold, furs furniture, pictures, hygiene supplies, clothes, shoes, household. loft and XXXX my home was completely empty all my belonging removed illegallyy I contacted the company who US bank hired to remove my belongings ( XXXX XXXX ) who explain my things are in storage by service person named XXXX of XXXX XXXX. she said she could not release mypersonal belongings to me without US Bank permission first & told me to call US Bank and ask for the preservation department and I did, US Bank told me they had no such department, i called XXXX back she said they are lying to me because she sent XXXX emails directly to US bank for direction to release my property and they had not responded to her yet.. a week later some other lady answers the phone because XXXX from XXXX XXXX said she will call me back but instead of XXXX calling me back someone from Property brothers accused me of lying saying that she knows XXXX did not tell me my things were in storage, I swore to this lady that is simply the truth this lady proceeds to tell m me that they do n't have my things in storage and that my things were disposed of immediately, illegally taking my whole life and memories in that home, my valued belongings are over XXXX worth of personal property, and was now homeless with nothing because of this ordeal. The bank wanted to sale the home because I feel they deliberately did not want me to be able to keep my home due to my XXXX and unemployment yet they communicated with my white husband on everything including mailing sent to him but not me. I want my home and if I cant get get my home back please give me my belongings for I have absolutely nothing.. my life and memories were in that home and they need to give me my things or pay for the loss of damages I contacted the bank in XXXX 2014 and had a check for XXXX to pay on the mortgage and they told me that if I did not have all the money I could not pay any of it. this to me is totally wrong when someone is doing their best to pay. yet again due to discrimination they did not want to help me. | ||||||
| 01/28/2016 | Yes |
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| On XXXX/XXXX/XXXX I incurred hail damage on my property my mortgage company cut me a XXXX party check with my name and my mortgage company 's name on the check I signed the check and was instructed by the contractor to hand it over to him and he would forward it to my mortgage company which is what I did. Months later I found out that the contractor never forwarded the check to my mortgage company instead he deposited the funds from the check into his XXXX bank account by fraudulently endorsing my mortgage company 's endorsement. My insurance company informed me that in order to retrieve the funds back from the contractors bank my mortgage company would need to fill out an affidavit stating that the endorsement on the check was not their endorsement. The contractor quit and never finished or completed the work he was authorized to do. My insurance company was insistent that I allow the contractor to finish the work after he had originally quit and I had hired a new contractor, I refused and because of this refusal I believe that my insurance company 's bank conspired with the contractors bank by allowing a window in which the contractor would be able to withdraw the funds from his XXXX account then close the account. This window was provided when my insurance company 's bank U.S Bank denied the original affidavit on a technicality ( the notary put the wrong year XXXX on affidavit ). so my mortgage company provided a corrected updated affidavit with the correct year. After many delays from my insurance company who assured me that the issue would be resolved within three months I eventually made a complaint against them to the commissioner of insurance. After catching my insurance company in several lies the investigation was completed and my insurance company agreed to advance me {$1000.00} and their bank U.S.Bank will honor or accept the original affidavit. I always wondered why would they have accepted the original affidavit instead of the corrected affidavit but in hind sight I see why. If U.S. Bank failed to accept the original affidavit then the window from the original affidavit and the corrected affidavit that the contractor used to close his account so that his bank could n't freeze the funds in his account for the fraudulently endorsed check would fall on U.S.Bank. If U.S.Bank had honored the corrected affidavit the crooked contractors bank XXXX XXXX XXXX would not have been liable after their crooked contractor withdrew the funds then closed his account. it is my contentions that U.S.Bank and XXXX XXXX XXXX Bank conspired and where in collusion to assist the crooked contractors business from the loss he would have incurred for the unauthorized work he did on my property and allowing him to attempt to offset his losses with the fraudulently endorsed check that is illegal for his bank to not return to me or my mortgage company. This complaint is related to complaint number XXXX with your offices. So we have businesses looking out for XXXX another at the consumers detriment. Both parties in my opinion are Aiding and Abetting the crooked contractors business, and this is further more confirmed when the contractor Bank XXXX XXXX XXXX claimed that they needed my mortgage history before they where willing to return the funds and my insurance company representative XXXX confirmed this. I was informed by my mortgage company that the affidavit should have been sufficient enough to have the funds returned to us. it is my belief that that someone from XXXX XXXX XXXX tipped the crooked contractor off which allowed him to close his account or he has a relative or in a romantic relationship with XXXX of the bank workers. surveillance footage at the bank should be able to determine this. | ||||||
| 05/03/2016 | Yes |
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| I am a XXXX XXXX XXXX at the XXXX XXXX University and I have a XXXX year old son whom i am trying to raise on my own ... My Son and I only source of income are student grants when allowed and the rest is from student loans which is used as my only source of income My tuition and books are taken out of the loan then i use the remaining money about XXXX dollars gas going back and forth to XXXX XXXX which is XXXX miles round trip 5 days a week and I pay my rent which is XXXX a month and daycare. which i pay XXXX every other week. ( My x-wife pays XXXX dollars the other weeks ) I depend on this and as only source of income.. My son and I do get food stamps for groceries and even with that, life is tough when trying to make ends meet ... My problem is with US Bank located in XXXX Ky I will make this as brief as possible will give more information later. if needed, 4 yrs ago XXXX XXXX i had a US bank account in XXXX Ky. I was having a difficult time and I had XXXX of insufficient funds. I was aware of it, I had informed the Bank as soon as I got my student loans that I would pay the bank back.. In the mean time i had relocated to XXXX Ky XXXX miles away and opened up another account at US Bank in XXXX So In XXXX XXXX I went to the bank in XXXX Ky to pay my debit to the bank ... Only to my surprise I was told by the bank that the account had been closed and I was not able to pay it.. It had been turned over the the Credit Bureau. and the books had been closed on the account. little did i know that they were adding fees the whole time!!. I did ask where I could go to get this paid.. I was told by US Bank that I would be billed for it at later date. I never receive a bill nor did i pursue it The bank had my correct address and my correct phone number ... and my e mail address And figure they would get in touch with me ... .. I never received a notice. phone call or a email, ABSOLUTELY NOTHING requesting a payment, I did enquirer to the US bank in XXXX how I could make a payment and they were not SURE and informed to let them contact me ... SO XX/XX/XXXX I again received my student loans and my refund from my income taxes. On XXXX XXXX, XXXX US bank, out of no where took out XXXX out of my checking account, later that week i received a letter from the US bank loss prevention team and informed me ( after the money was withdrawn ) that they were taking the money. I did contact them and I was told that I owed the money and nothing they would do but they kept adding fees which ended up XXXX dollar. Never once did they try to contact me or try to resolve this situation by allowing me to make payments. they ... I had XXXX in my checking account. US Bank withdraw from my account XXXX which leaves me XXXX Daycare of XXXX must be paid Friday and that leaves me of XXXX for gas .. i am completely out of money I have went to the bank in XXXX XXXX with president XXXX XXXX then to XXXX spoke with XXXX XXXX which have told me nothing else can be done, books has been closed .. I have offered to please allow me to make payments or ask is there anything they can do to work with me through this.. both said there in nothing that could be done.. XXXX XXXX did say she would type a customer complaint form but didnt think it would do any good.. Their side was that I should have pursued this situation even though i did try to pay this. XXXX XXXX said i should have persisted and keep coming to the bank till i found the way to pay.. believe me when i owe money any company always find a way to find me and not play hide and seek with me ... I know i did wrong by bouncing checks 3 yrs ago and i have learned a valuable lesson but now it is not just me.. I have a XXXX yr old who depends on me. u r my only hope Thank You | ||||||
| 07/28/2022 | Yes |
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| XX/XX/2022 XXXXXXXX XXXX I went to my local branch to find out why my bank accounts were being held illegally by the institution. When I had finally seen the paperwork on the order to freeze my accounts, the bank violated their duty to me by locking up my bank accounts with the incorrect information on the paperwork from the XXXX. They had US bank XXXX as the account number to reference my accounts. This completely violates all my rights as a client of the bank that they were given a hold on my bank accounts without even serving the bank with the correct or accurate paperwork. This order prevented me from being able to attain counsel and be represented by an XXXX. The damage to my rights, my ability to defend myself against this illegal order was astronomical. This account held my employees payroll as well and because my financial institution locked down my account with such a broad order that had absolutely no accurate information that would apply to me I am in a serious situation caused directly by US BANK violating their fiduciary duty to me as their client. My employees were XXXX XXXX by not being able to cash their paychecks - amount in the bank was XXXX weeks of their payroll. The inability for me to attain counsel and representation by an XXXX and my employees inability to cash their payroll checks was illegal and a breach of US Banks relationship with me especially on an overly broad and inaccurate document. XXXX in XXXX refused to talk to me originally and said she would not speak to anyone that was a client, she would only speak to an XXXX. At the time she was telling the bankers that to tell me, I was representing myself due to US bank breaching their relationship with me and keeping me from mounting my own defense. XXXX told my banker to tell me to contact XXXX XXXX XXXX as the main point of contact for my accounts. That person is opposing counsel that is suing me. When I asked for documentation on why the main point of counsel on my bank accounts is an XXXX that is suing me I was told they had no information. Today, XX/XX/2022 when I went in to follow up and get some documentation regarding the illegal order that US Bank followed that did not have my actual bank account number and asking for documentation about why the main point of contact on my bank account was XXXX XXXX, they still could not provide me with any documentation. ****side note. When XXXX was served with the order she immediately locked down my bank account without any due diligence on her part and on the part of her having a fiduciary duty to me as the customer as well as breaching that relationship by locking down accounts based on a broad and over reaching incorrect document- but it took her over 3 days to release the order ***** When I left my local branch I called the business center number and got XXXX. He listened to my information and clarified what I was asking him for, I told him that I wanted to see the documentation that allowed my bank to put XXXX XXXX XXXX as the main point of contact for my bank account. He reached out to XXXX and again she refused to talk to me or provide me with the documentation that she is using to put someone else on my bank account. After he put me on hold a couple of times, he finally said, ( and he was reading something ) oh this must be it, XXXX XXXX, and he said, Hold on. THEN HE PROCEEDED TO TRANSFER OR CONNECT ME SOMEHOW TO THE OPPOSING COUNSEL 'S OFFICE!!!!!! XXXX XXXX XXXX XXXX XXXX ANSWERED AND I SAID WRONG NUMBER AND HUNG UP! I NEED AN IMMEDIATE RESPONSE- I AM SO VIOLATED AND XXXX BEYOND REPAIR. Now they will have a record of me phoning into their office. I am so absolutely astounded as to the massive violations and breach of my rights by US bank. | ||||||
| 11/25/2015 | Yes |
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Web | Older American |
| 1. On XXXX XXXX, 2015, I went to the usbank branch location at XXXX XXXX XXXX, XXXX, Ohio XXXX. I arrived at the bank at approximately XXXX which was 12 minutes before the posted XXXX closing time. I noticed that there was a line of patrons before me and I entered the line to await my turn. It was then that I was informed by the Assistant Branch Manager, XXXX XXXX XXXX, who initially stated that she was the Branch Manager, that no addition consumers would be accepted by the bank. She stated that " she closed at XXXX. and we want to go home. '' I informed her that I arrived before the close of business, but it did not make any difference to her. Her attitude was very unprofessional and belligerent as if she was purposefully trying to create an explosive event. I informed her that I was going to complain about the early closing. Additionally, I informed another customer, who also arrived before the posted closing time and who was also refused service, XXXX XXXX XXXX, ( whose telephone number is XXXX XXXX XXXX XXXX that I was going to file a complaint. I immediately contacted usbank customer service and was provided with the name and telephone number of the person who was designated as the branch manager. His name was XXXX XXXX and the telephone number given was XXXX XXXX XXXX XXXX. While I was on the telephone, XXXX XXXX kept commenting on her need to cease services and she eventually turned off the lights at the branch location. She threaten to have me and XXXX XXXX removed by security while we were making the calls away from the customer counter. I contacted the office of XXXX XXXX today, XXXX XXXX, 2015, and learned that he was the district manager. I informed his assistant, XXXX, that I was filing this complaint. 2. I want XXXX XXXX XXXX XXXX to receive a disciplinary sanction, up to and including termination. I also want all branch employees to be informed that services are to be provided to any consumer who arrives at the bank prior to its stated closing time. While I have never experienced anything like this in the 40 plus years that I have been banking with usbank under its current and former names, I want to insure that this never happens again to anybody. What will happen on XXXX since this is what have the day before that? Any trained manager would expect the bank branch to be busy and to be prepared for that situation. I want the tapes at the banking location reviewed so that XXXX XXXX XXXX XXXX 's behavior can be observed and clearly documented. Based upon her hostile attitude and complete lack of concern for those of us who traveled to the bank location within the time to receive services, I am certain that she has created problems before. The bank should stay open and expect to service all consumers who arrive at its location before its designated closing time. XXXX XXXX should be transferred to a location at closes at XXXX XXXX Additionally, she should be stripped of her status as an Assistant Manager. I would let her stay at home permanently or transfer her so that she is not exposed to the public. She is a discredit to the bank. I do not intend to permit her to provide any service to me or any of my family. 3. My name is XXXX XXXX XXXX, XXXX My law office is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ohio XXXX. 4. The product that I am seeking is service from the bank. XXXX XXXX XXXX XXXX failed to provide the service to me and others who also arrived at the bank branch before closing time. If she want to go home at the exact time the bank closes, the bank should help her in this quest. Let her stay at home permanently! Her time is no more important that mine or any other patron who timely arrived to conduct business at the bank branch. | ||||||
| 03/20/2022 | Yes |
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| US bank completely messed up my disputes against a company that I use to print T-shirts that sent out damaged misprinted T-shirts to my customers and refused to refund me for their errors. Twice I filed the disputes and waited weeks for their investigations and they filed for the wrong reasons and denied my disputes and then said it had been too long since the transactions had happened. It was US banks fault because they took forever and sent me wrong forms. I even made an appointment to discuss this with the bank manager in XXXX XXXX, CA who just blew off the phone appointment and didn't bother to call. Here are the details I had planned to tell the bank manager had she called : I have a print to demand business on XXXX. I send my designs to a printer in XXXX who is XXXX XXXX XXXX. XXXX then in turn ships the t-shirt to my customer with my design on it. Over the XXXX period, they were flooded with orders and made a number of errors sending out the wrong designs to some of my buyers. I spent hours going back and forth with them over this in messages and I got nowhere. It was very frustrating and I ended up having to pay for the same item twice to resend the correct items to my customers. I lost my profit of course and I am paying for their mistakes. This printer in XXXX received my money to send an item I ordered to send out. They did not do this with these orders. This I have explained XXXX times to US Bank. In XX/XX/2022, I learn of the errors from the customers and after getting nowhere with XXXX XXXX XXXX, I tell this company I will be going through my bank if they will not help me correct their errors. I called US Bank to explain the situation and they send out forms from their DEBIT card department when it is supposed to be an ACH claim form as they went through XXXX to my checking account. There is no way for me to fill these forms out correctly and I don't know this when I do and then of course US Bank denies the claim because they sent me wrong forms out. I called back them again after the denial and after hours of being on the phone and transferred between departments literally XXXX times, somebody was able to figure out that I was supposed to have been sent out ACH forms. I filled them out after explaining to the banker what had happened who took notes to my account and said don't worry just fill them out under " originally authorized then later revoked ''. which was what happened as they were authorized and then revoked for being incorrect orders. Then again this was denied because US bank entered it in as being duplicate transactions with wrong dates and amounts. I don't even understand what they were talking about this time. It is now the middle of XXXX and despite explaining this situation until I am blue in the face nobody is able to help me to dispute these transactions correctly or wants to take the time to explain how to do them. I am constantly filling out their forms and faxing them over and wasting my time And they are again denied in the middle of XXXX because now they are saying it is a duplicate of a duplicate and now it is too late because XXXX months have passed and they can not reopen. I have been given absolutely terrible help with these claim forms, I have sat on hold for and spent hours being transferred between departments and I can't believe nobody can help me with something as simple as a dispute over the wrong items being sent. They told me to call a bank manager at a local branch which I did at XXXX XXXX, CA. She first canceled my appointment to meet with her in person and changed it to a phone appointment to which she blew off and didn't bother calling me. I am not getting anywhere with US Bank either helping me with this. | ||||||
| 09/08/2015 | Yes |
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Web | Servicemember |
| Over the past 18 months, the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has had more than {$35000.00} in progressive cash deposits stolen. This was just recently discovered by club members and it is unclear who is responsible. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a non-profit, XXXX ( c ) ( XXXX ) corporation in the state of Colorado. The club exists to support gymnasts who compete on the XXXX XXXX XXXX XXXX XXXX competitive teams at XXXX XXXX, XXXX XXXX XXXX, Colorado XXXX. Members of the club must have a daughter on the competitive team to be a member of the XXXX club. Because of the nature of the sport there is a lot of turnover in club membership. Like many other non-profits in Colorado, the primary fundraising vehicle used by the XXXX is to run XXXX sessions at the XXXX hall. XXXX has been doing this for almost fifteen years. The club runs XXXX XXXX sessions each Friday night. The sessions are held at XXXX XXXX, XXXX XXXX XXXX XXXX, at XXXX and XXXX. XXXX typically nets the club around {$100000.00} per year. By state law, XXXX is an all-cash operation. Each Friday night the XXXX manager, a licensed member of the club, picks up {$2800.00} in " starter cash '' for each session XXXX there are XXXX sessions each night ) from US Bank, XXXX XXXX XXXX XXXX. The cash is picked up in a XXXX locked safety deposit bags. During the XXXX session, XXXX members of the club are present at the XXXX hall running the XXXX operations. The club is divided into XXXX team that work XXXX once or twice a month. Key positions are the XXXX manager and cashier. The XXXX manager is responsible for managing all operations, tracking operations and preparing reports required by the state. Each XXXX manager has a set of keys for the safety deposit bags. The cashier is responsible for tracking and counting all cash, and preparing deposit slips for the evening. After each XXXX session ends ( typically about XXXX and again around XXXX ), cash deposits and deposit slips are prepared and locked back in the safety deposit bags. Each bag contains XXXX separate deposits ; a " progressive '' deposit, typically XXXX dollars, and a " cash '' deposit, typically several XXXX dollars. The manager is escorted by an off-duty police officer back to the US bank where the cash bags are deposited in the night deposit box. US Bank employees typically count the cash and make deposits on Saturday morning. The deposits are typically posted to the clubs account on Monday or Tuesday of the following week. On XX/XX/XXXX, our club treasurer, XXXX XXXX XXXX, noticed that no progressive deposits had been made since XXXX. Once it was discovered by the club treasurer our records were reviewed by the Games Manager, XXXX XXXX XXXX and again by myself. We found that beginning in XX/XX/XXXX, occasional progressive deposits were not posted to the club bank account. These missing deposits increased in frequency until the majority of deposits were not being posted to the club bank account. We discovered that, since XX/XX/XXXX, XXXX deposits, totaling {$35000.00} dollars are unaccounted for. A listing of all of the missing deposits and who worked each evening is attached to this letter as well as a detailed spreadsheet showing every deposit slip, deposit receipt, and bank statement for XXXX accounts used. For each missing progressive deposit, duplicate deposit slips written by the cashier are present in the clubs records. Since discovered, the club has taken preventative measures to ensure this can not happen again.We appreciate your help in this matter and are willing to support in any way possible. Our club records are available for review. If you have any questions, please contact me aat XXXX, or via e-mail at XXXXXXXXXXXX | ||||||
| 11/29/2019 | Yes |
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| On XX/XX/2019 I mailed my completed Loss Mit Application to US Bank via USPS. I had not heard back from them as of XX/XX/19, so I called them on XX/XX/2019 at XXXX XXXX CST and spoke with XXXX XXXX at US Bank regarding my application. She advised me that the form I completed showed I was XXXX XXXX because I submitted a value in the tips/commissions field. I advised her that I provided the value because I receive tips from my part time job, not including the bi-weekly income I receive from Unemployment Benefits. I am not XXXX XXXX. She advised me that I would need to write a letter stating that I am not XXXX XXXX, that I am in fact a W-9 worker and that the amount entered within the tips/commissions field if for the amount of tips I receive from my part time job. I also needed to have my children write letters stating how much of their income they give me. I was also advised to send in a new household income form and proof of the amount of tips I receive. I resubmitted the requested items XX/XX/19 ( via USPS tracking # XXXX ). On the morning of XX/XX/19 I received an Job Offer from XXXX that included my title and my monthly salary. I called US Bank right away to inform them of this and they advised me where to email it ( XXXX ). I did so and waited to hear back. On XX/XX/19 at XXXX XXXX CST I called US Bank to confirm they had received all of the requested items. The agent advised me that I the offer letter I submitted from XXXX needed to include my start date and frequency of pay. In speaking with XXXX, they advised me that they could not provide that until the results of my drug screening came back. I called and spoke with US Bank on XX/XX/19 at XXXX XXXX to advise them of this and they advised me that my application was still in review and that they had all of the requested items. I called again on XX/XX/19 at XXXX XXXX and spoke with XXXX ( my relationship manager ) regarding the status of the review. I was on the phone with US Bank for over an hour. She advised me that I now needed to send in new paystubs from my part time job and that she would be submitting a reinstatement request for me. I called and spoke to my employer requesting a copy of my most recent paystubs. Upon receipt on XX/XX/19 I called XXXX again to advise her that received them. She advised me to email them to XXXX and XXXX so I did. She then advised me that she would not be returning to the office until Tues XX/XX/19 and that I should call back to speak with her then. I called her ( US BANK ) back on XX/XX/2019 at XXXX XXXX and was advised that she was not there and that my application was still in review. No new information was provided to me regarding my application. I called again on XX/XX/2019 a t XXXX XXXX and was advised that my application was likely going to be denied because my job offer letter did not include a start date. I advised them that I am at the mercy of my employer. The representative advised me that I would have to wait for the underwriter to finish reviewing my application. I called again today,XX/XX/19 at XXXX XXXX and spoke to XXXX who advised me that my application was being closed because the paystubs I provided for my part time job were not consecutive. I advised her that I provided to them what my employer provided me and that this issue was not previously informed to me. I requested to speak with a manager and she transferred me to ( XXXX ) who advised me that my attempts had been exhausted. I have emailed my consecutive paystubs to XXXX and XXXX. I would like to stay in my home ; I live here with my wife and XXXX kids. My kids names are XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. We don't have anyone to turn to but you. Please help! | ||||||
| 04/08/2022 | Yes |
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| Hello, I have been working with US Bank since the end of XXXX for a mortgage on the house. My partner and I, starting our home buying process, qualifying for down payment assistance with my Grants for Grads.. It then was determined after the buyer 's education program, week of XX/XX/2022 that we just made too much money with the last raise my partner received. We were supposed to close on XX/XX/2022. I was reassured if we did the mortgage with just me, I could get this down payment assistance XXXX, Grants for XXXX, and it would be a quick process. I was reassured that I did not need to worry about the purchase agreement, which had my partner and myself as the purchasers. Week of XX/XX/2022 the agency approved the grant monies and it would be a fast underwriting process after that ( no timeline was provided ). That same week, the bank said that my student loans, which are in forbearance due to Covid-19, were the next issue. They said I needed to provide documentation of how much I was paying or was going to pay. I had been on a repayment plan of XXXX dollars. Provided what I thought was what they needed and more documents, such as a recent payment. It had not been explained to me until three business days after, XX/XX/2022 that HUD rules they have to calculate a monthly payment when the payment amount is XXXX. In the meantime, the bank was trying to switch me to a conventional loan which would have required me to pay off my car loan of {$4000.00} and the down payment assistance would have only been {$5400.00} compared to the {$9100.00} that was through this Grants for Grads program. I went to my student loan provider, got a new monthly payment amount, my Debt- to- IncomXXXX ratio was where it needed to be and my loan officer said " everything looks good now, we went back to the FHA loan XXXX and we have your down payment assistance all set ''. The next Monday, XX/XX/2022 I was conditionally approved. I asked why I wasn't finally approved and on Tuesday was given the answer, we need a new purchase agreement so it no longer has your partner on as a buyer. But if we got that day, XX/XX/XXXX, we could have the clear to close before XX/XX/XXXX. My realtor and I asked, at XXXX XXXX, if an addendum would work so that it gives the sellers less of a significant opportunity for them to walk away. Hours later ( XXXX pm ) after stating I would call the VP for an answer, we heard back saying yes an addendum would work. We provided that all signed on Wednesday. Tuesday XX/XX/XXXX, items were provided for final approval but then the next day underwriting came back and said that the Title Commitment had expired and they just placed an order for a new one. As of today, Friday XX/XX/XXXX, no clear to close. The sellers informed my realtor that if there was no clear to close by the end of the day, they may walk from the deal or we have to pay their mortgage on top of what we have to give them in cash already. The bank has not returned our e-mails and the only successful communication was XXXX this morning where the loan rate was locked yesterday evening and it was sent to underwriting. I do not even have access to my loan documents or loan number as their last communication about the loan was they were uploading everything into a new loan number ( I will provide the loan number I had before XX/XX/XXXX ) My mortgage rate has been locked at over .5 % from the original process, my partner and I had to pay {$1200.00} in another month 's rent payment and now if we want the house, come up with additional money. I am reporting unfair trade practices, causing consumer monetary harm, and discrimination because I am an unmarried woman trying to obtain a house with my partner. | ||||||
| 10/29/2022 | Yes |
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Web | |
| I submitted a previois complaint on around XX/XX/XXXX. I'm still having issues with the US BANK Fraud Department. I '' m a victim of Fraud with the US Bank, since XX/XX/XXXX but my checking account still shows a negative balance so I can not make any payments or transactions. And I '' m still missing more than 40K stolen under their noses from my savings account. The Bank is still claiming the Fraud Department is behind, I'm questioning at this poin not only their ability to keep our money safe but their ability to process our claims and honor their own mission statement. I request a serious Audit to this institution the way this situation is being managed reflects serious organizational issues. After I filed this complaint and even emailed some members of their leadership team I received a set of incomplete affidavits to start my claim with them They sent 10 affidavits for me to sign all related to my savings account and no information at all about the withdrawals or transactions. I had to call and follow up and an agent had to dictate over the phone serial numbers of the 10 fraudulent transactions on my savings account for me to fill out the aforesaid affidavits. They sent separately copies of the fraudulent checks charged to my checking account. And No affidavits to fill out for that account.Therefore, on my follow up call I they sent an e mail with electronic forms for me to fill out. All this happened on or around XX/XX/XXXX and XXXX I '' m practically organizing my whole file at this point. I submitted supplemental in for the investigation by e mail and by mail. I called to follow up again on XX/XX/XXXX. I talked to 2agents the first one hung up on me when I mentioned I had filed a complaint here, the second agent said I was good and they didn't need anything else from me. She read something about front and back but summarized I didn't have to submit anything else. Today on XX/XX/XXXX I call back again and they tell me that they are missing the front part of a check I included in my supplemental information to make a poit about my signature being similar to my signature recently used when buying my house. They say my case is delayed now because of that missing piece Now my question is... What kind of investigation is this one if the bank onws those copies ... Is this a technique to delay the process or a beaurocratic technique? What kind of interdepartmet communication they have that they delay a case claiming they need a check they should have in front of them when reviewing my case ....? This is hard to understand What are the qualifications of the investigation team? How many investigators they have? Why the agent who talked to me on XX/XX/XXXX did not understand the note about front and back of the check and did not informed me bzck then? Why are they actually behind? Why hasn't the Bank paid attention to their alledged staff shortage in the fraud department? Why do they have so many check fraud cases? Are they in compliance with minimum scrutiny procedures? Do they provide support, training and education to their personnel? Im only daring to question these matters because either the institution is obviously struggling or they are purposely delaying to get this process done. The schoking part is that I was told today the investigation team leaves notes for agents to infeme IF I CALL, Question ... What kind of customer service is this one? Not first world class one that is for sure She added that eventually they will e mail me .... Question .... When? It is clear the note was there on XX/XX/XXXX and today is XX/XX/XXXX but have not received any calls from the US Bank. It is my perception they don't care or they are in serious trouble. | ||||||
| 02/22/2017 | Yes |
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| On XXXX/XXXX/17 I called the credit card help line to inquire why I had received a credit card I did not ask for. I was greeted by an automated response telling my all agents were busy. 8 minutes later my call was answered. The agent began speaking before the connection was complete so I got a monotone garble and 'what is your account number '. No hello. No how can I help you. No my name is. Just robotic 'what is your account number '? Mind you it 's already been types in. Before I waited the 8 minutes. I gave the number. This person was not happy at her job. And I was not happy to have waited 8 minutes and be greeted by such a nasty person. So I can be nasty right back. She asked for further information in a snotty tone. I asked for her supervisor. She refused until I finished giving her all the information. Now I am getting more irritated. You will not refuse an escalation because you are not satisfied! When I forcefully pushed the issue, she refused her name. She finally conceded and put me on hold.. For 11 minutes. I hung up because I had to take a call. I then tried to call US Bank Corporate. XXXX. Call answered by XXXX. When I told him I was very angry and needed to talk to someone at an executive level, he put me into someone 's voice mail. I hung up. I called again and talked to XXXX. He was not very patient and put me thru to a different voice mail box. I hung up. I called again to XXXX. He yelled at me for being mean to him. He is now aggravated and I VERY angry. He put me on hold for over 12 minutes then transferred me into a general queue. I hung. I called XXXX again several times. Now he is just putting me on hold without even taking my calls. I waited about 10 minutes and called form a different number. I demanded to speak to a human immediately. XXXX laughed. And snorted. He finally put me thru to the credit card office of the president. I was connected with XXXX XXXX. This was a very poor encounter. XXXX refused to address my complaints about customer service. Kept wanting my credit card number. Kept saying Oh we 'll look into it. He was very obstructive to resolving my complaint. When I demanded escalation he stated he was the highest person at US bank I could talk to. EVER! Refused to give the name of his manager. Refused to have his manager call me. Refused to address XXXX 's behavior. Refused to give me the name of XXXX 's supervisor. This seems to be a common theme at US Bank. I am DEMANDING a call from the vice president of the credit card section and the vice president over the business unit that governs the telephone operators. I have had multiple horrible experiences with US Bank. I am just a small time customer. I know we do n't mean much to you. But it is now my mission to be heard and I will keep making an issue of this! It 's the principle of the issue and the way the average customer is treated. I may be reached at XXXX. I expect a call no later than close of business XXXX/XXXX/2017 XXXX/XXXX/2017. The above call did not occur I did receive a phone message from a XXXX ( sp ) on XXXX and again on XXXX. Both times asking me to return her calls. I have placed XXXX calls to her and left messages but no further attempts have been made to reach me. I did speak with a branch manage and the regional director. They did assist me in getting the card closed but have not been able to facilitate my complaint about service. I was told that XXXX was the highest - best person to talk to. On XXXX I was also told that XXXX XXXX manager was to call me. As of today XXXX/XXXX/17, no one from any part of US Bank has attempted to reach out to me. Again I am demanding escalation and a personal phone call at the number above. | ||||||
| 09/07/2016 | Yes |
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Web | Servicemember |
| US Bank is currently suing me and XXXX for breaking a XXXX XXXX XXXX loan contract. I did not know that these were the stipulations, especially the part that in NJ, I required an attorney to represent my XXXX. I was not allowed to represent my company. The contract was signed without allowing me fully understanding of the clauses or get council. XXXX XXXX, US Bank representatives came the seminar I was invited to by XXXX XXXX XXXX XXXX XXXX. The seminar talked about the XXXX system and a special promotion of 6 months of no-payment and free practice materials for the machine as well as free training. The seminar speaker showed how the Medicaid XXXX offices could financially make a profit with this equipment. I applied for financing, very sure that I would be turned down any way like I had been that year from other lenders and creditors because I had high debt compared to income. When the financing representative gave me the " good news '' of approval and a page of very tiny prints to sign, I felt unsure because the prints were tiny. I asked if I could take a copy home first to read it over. The representative told me that it was a formality telling me the monthly payment. I did n't have to worry about it because they would not have approved me if I was not qualified especially since XXXX. At time the name they used was XXXX XXXX XXXX, not US Bank. I had a brief dealing without negative experience with XXXX XXXX a few years back when they provided financing for my XXXX who qualified until XXXX XXXX said they were dropping out of that service. XXXX XXXX was a trusted supply company I used for years and did not have any bad experience. I was told that the special promotion was just for the seminar only, I could get the XX/XX/XXXX end-of-year income tax reduction, and I would have 6 months to settle in, learn the new technology, and make income to pay when the loan repayment began. 6 month no-interest promised was of no value, because I did not get the equipment until a few days before XX/XX/XXXX. I did not get the training until about XX/XX/XXXX. They also asked me to pay for insurance and processing fees before the loan first begun due. The first day of repaying the loan came in XXXX XXXX and I made the payment using budget set aside for paying XXXX loan, XXXX Property Taxes, and residential mortgage. After two payments, I contacted US Bank before the next due date, I informed them of the financial status of defaulting on other loan payments as listed above. I did not want to default on any of my loans and needed help. They said someone will call me back to help so I had waited in hope to manage the payments soon. But, no one helped me. They kept passing me to another person. The I received a letter of demand or get the equipment repossessed. I asked about my option of letting equip repossessed because they were not lowering the payment to help. Even XXXX worked with me after a devises ting Storm, XXXX, hit NJ. US Bank representative, XXXX XXXX, intentionally misled me to give up equipment to avoid additional lawsuit and just pay the remaining loan in terms I could afford. None of it was true. Everything that took place was exactly opposite of what I was told by XXXX XXXX, who worked for collection department of US Bank. I realized only recently in XX/XX/XXXX because US Bank hired XXXX XXXX technicians for repossessing process of the equipment and never paid them. XXXX XXXX contacted me when they were not getting anywhere with receiving payment for 6 month after the service. I emailed to XXXX XXXX and her Colleagues and was told they were no longer working in the collections department and told me to talk to someone else. That someone else never answered my emails. | ||||||
| 08/12/2016 | Yes |
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| I have been a US Bank customer for over 15 years. I am not normally one to go on and on but this so called Mortgage experience with US Bank is just truly not acceptable service at all. I do n't know where to start on the issues with US Bank. The treatment of this customer is totally uncalled for and violates the business code of ethics US Bank stands for. We do the right thing. In this case US Bank did everything wrong handling this customer 's mortgage. ( XXXX XX/XX/XXXX, I was looking at refinancing my mortgage to a 20 year loan. I contacted XXXX XXXX at US Bank in XXXX in XXXX, NV. She was very helpful and started the streamline refinance with XXXX at US Bank. There were not going to be any closing costs and an escrow account would be set up for this mortgage with US Bank. I was supposed to close on my mortgage XX/XX/XXXX. That did n't happen. I was the one that had to keep contacting US Bank for an update. No follow up at all from US Bank. I was then informed that XXXX is no longer with US Bank. I was passed off to XXXX XXXX to handle my closing. I was too close then on XXXX/XXXX/XXXX with US Bank. It was then changed to XXXX/XXXX/XXXX then changed to XXXX/XXXX/XXXX. I was then told we would have to close on XXXX/XXXX/XXXX. I scheduled my time off from work to come to the closing. I even called XXXX XXXX at US Bank the day of closing to ensure that all of the paperwork was ready and we were good to go. His response was yes everything is set. We go to closing and we looked over the paperwork and low and behold US Bank forgot to set up the escrow account. XXXX could not change the paperwork that day so we had to come back on Monday, XXXX/XXXX/XXXX to close on the mortgage refi with US Bank. We closed with XXXX and the paperwork indicated we had an escrow account with US Bank. You will see in the enclosed documentation the nightmare I have experience with US Bank and how poorly I have been treated by US Bank employees. I get information from homeowners insurance that US Bank has contacted them and updated the information to have them listed at the new Mortgage holder. Low and behold I get a letter regarding my property taxes being delinquent because US Bank did not pay them and have been accessed a penalty. Once again I contact US Bank employee XXXX XXXX regarding this issue and she indicates that it was an oversight on US Bank 's part and that I would have to take care of the property taxes and complete additional paperwork to have an escrow account. This is just plain unacceptable customer service. I asked for XXXX XXXX supervisor information which is XXXX XXXX. I have called and sent numerous emails and have never heard back from XXXX XXXX. As you can see from the documentation I have sent over a dozen emails to XXXX XXXX regarding this issue and he has never responded to my emails. I finally had to wait for him to come to work at the bank and I confronted him and he admitted to receiving my emails but supervisor XXXX XXXX has instructed him to not respond to my emails or have contact with me. ( If you go a day without consciously thinking about how to solve a problem for a customer, then you might be working for the wrong company. Per US Bank XXXX XXXX XXXX ) I have been dealing with this horrific nightmare of experience with US Bank for over 7 months with no one from US Bank helping this US Bank customer. I have enclosed documentation to share with you my fiasco of banking experience with US Bank. Needless, to say I am not happy to say that I am a US Bank customer. All of this should have been taken care of XX/XX/XXXX. How many more customers have been treated like this at US Bank? I am extremely disappointed with my experience at US Bank. I am a custo | ||||||
| 09/12/2022 | Yes |
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| I paid for a hotel on XXXX. I initially paid for two nights. I later decided I wanted to stay a third night, so I added an additional night on XXXX and was charged accordingly. I initially planned to stay XX/XX/XXXX and XX/XX/2022. I decided to stay through XX/XX/2022. When I arrived to check in at the hotel, the desk clerk ( XXXX XXXX? ) informed me that I was booked for two separate rooms. She said she would cancel that reservation and book me for the three nights in one room. She said that if I was charged twice, I should let the manager know. When I realized I had been charged twice, the manager was not in the hotel. I was informed that the manager would not be available to speak to me until XX/XX/XXXX. ( I don't remember if it was XX/XX/XXXX or XX/XX/XXXX when I asked to speak to the hotel manager ). I was leaving early on XX/XX/XXXX and did not have time to wait until the manager arrived. I immediately called US Bank to dispute the charges. I explained the situation to the US Bank representative, exactly as I've typed it here. The representative opened a dispute and informed me of the next steps. Later, when the dispute paperwork arrived from US Bank, I completed the paperwork and returned it the same day it was received, along with the requires proof of payment. When I found out US Bank denied my dispute, I was livid. I called US Bank 's customer service and was given incorrect information by a representative. The representative told me the dispute paperwork had not been received. I lost my temper and told the representative to cancel my account immediately. She said she had cancelled it. I was disgusted with that experience and did not believe the representative to be truthful, based on her attitude. I immediately called back and asked for a supervisor. The representative who answered this call said that my account had not been cancelled. She cancelled the account and transferred me to someone in the dispute resolution department. I then spoke to a supervisor in that department and was told that the paperwork was received. However, the supervisor stated that I should have disputed the transaction with XXXX instead of XXXX XXXX and she would resubmit the dispute. Today, XX/XX/2022, I received a letter stating the second dispute was denied. I called and requested a supervisor. I was transferred to XXXX XXXX who said she was a supervisor ). She was not helpful and did not express much of a desire to assist me. I was informed by XXXX that the paperwork I submitted wasn't completed properly. If that is the case, why didn't the supervisor I spoke with initially tell me that information, let me know what was incorrect, and ask me to resubmit it correctly? Today was the first time I'd heard that my paperwork wasn't completed correctly. Each time I've called, I've been given incorrect information. Meanwhile, there is still {$370.00} that I am owed because I was billed twice for one room and one stay. All charges were made on the same US Bank credit card so there is no reason why the dispute can't be resolved properly. Any information that is needed by US Bank is contained in their own billing system. In addition to the receipts that I submitted from XXXX when I initially filed the dispute. When I asked XXXX if she had an extension or employee ID or some way of identifying her, she would not give me that information and said there was no way to reach her if I needed to call her back. She said she would forward my complaint to someone else and I should get a call back within 24 to 48 hours. As a consumer, I am outraged at the lies I have been told. I want the money, plus interest, that is owed to me. This whole experience with US Bank has been a nightmare. | ||||||
| 04/17/2017 | Yes |
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| Dear Sir , 1. Around XXXX XXXX , XXXX , I received a letter fro m US Bank with the offer to give {$500.00} cash back after I spend {$4500.00} in the first 90 days ( copy attached ). 2. I applied online for the card and asked for XXXX actual cards, XXXX for me, XXXX for my wife. 3. I received the XXXX cards around XXXX XXXX , XXXX . I called US bank then and talked to the representative. I asked her about my cards and the deadline to fulfill the 90 days requirement. The lady said that we ( my wife and I ) need to charge {$4500.00} by the deadline of XXXX XXXX , XXXX to qualify for the {$500.00} bonus. I made a note of that on the letter they se nt ( se e copy attached ). 4. We charged XXXX by XXXX XXXX , XXXX ( see the XXXX statements attached ). 5. Around XXXX XXXX , XXXX , I called and asked the representative ( a lady ) a bout my bonus. She reviewed the account thoroughly, added the charges from the statements, calculated the dates of the 90 day period and said that the deadline was XXXX XXXX , and that I fulfilled the US Bank requirements for the {$500.00} cash bonus, and that it usually takes 8 - 10 weeks for the bonus to appear on the account. She said that the {$500.00} bonus should thus appear in a week or so. 6. On XXXX XXXX , I received a letter from US Bank ( see attached ) saying that I would not receive my {$500.00} bonus cash back. 7. I immediately called US Bank and talked to a female representative named XXXX . She reviewed my account, added the charges, calculated the 90 days requirement period, and said that I should have received my bonus because I met the requirements. She then put me on hold to talk to her supervisor. 8. XXXX came back on the line and said that her supervisor said that I did not qualify for the {$500.00} bonus because my wife and I have XXXX cards on the same account. I said that we have XXXX cards, but it is the exact same account. XXXX was very surprised by what she was told by her supervisor and commented that she never knew about the " XXXX cards '' on the same account " splitting '' problem and that she had told all her customers that the {$4500.00} requirement would apply to the account overall, not being split between the husband 's card and the wife 's card. I asked to talk to the supervisor. 9. I talked to the supervisor named XXXX . She insisted that the {$4500.00} charge has to apply separately to each card issued on the same account to qualify for the bonus. I told her that requirement was never told to my wife and me by any of the XXXX representatives I had talked to. Had we known that requirement, my wife and I would have used the same card, since the second card was only a matter of convenience. However, we would have put up with the slight inconvenience of only having XXXX card in exchange for the {$500.00} cash bonus. 10. I told XXXX that I bank with XXXX Bank, I have a checking account, a savings account, and another credit card with XXXX Bank. I asked her to review the case and issue the {$500.00} bonus as promised by her representatives who were as clueless as I am about the " splitting '' requirement. Had I known that requirement, I would not have used the cards, since there was no possibility for my wife and me to charge {$9000.00} in 90 days. 11. XXXX refused to issue the bonus. I told her that I would have to contact the Arizona Attorney General 's office about this consumer issue. The Arizona Attorney General 's office referred me to you. I would like to thank you for taking the time to address this matter. Please let me know if you need further information or documentation. Sincerely, | ||||||
| 04/06/2016 | Yes |
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| XXXX XXXX, XXXX Ref. No : XXXX Re : U.S. Bank National Association XXXX, XXXX Dear XXXX XXXX : Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ). The FDIC 's mission is to ensure the stability of, and public confidence in, the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau ( CFPB ). Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance. We have taken the liberty of forwarding your correspondence to the CFPB at the address below. Sincerely, Consumer Response Center Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Fax number XXXX Consumer Response Center XXXX cc/enc : Consumer Financial Protection Bureau XXXX. XXXX XXXX, XXXX XXXX Telephone : XXXX Website : XXXX XXXX/XXXX/XXXX Dear CFPB, I cancelled a {$5000.00} secured card with US BANK XXXX/XXXX/XXXX. Requested they deposit my funds into my us bank checking account, they said they will mail in a check which did not like them to do. Still have n't received my {$5000.00} funds from this bank, and request reasonable interest on my money for this unethical delay. It was needed for a mortgage, and this was horrendous customer service despite initially emailing the CEO. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXXXXXXXXXX XXXX XXXX to XXXX XXXX XXXX, I understand that clarification on the amount due is important and I 'm happy to help with this. I do see that you made a branch payment of {$530.00} on XXXX/XXXX/XXXX and the account was closed. However, there were pending payments, totaling {$30.00} on XXXX/XXXX/XXXX ( {$19.00} to XXXX and {$10.00} to Palazzo ) which were presented while the account closure was processing. For this reason, the account is closed with a balance and once the {$30.00} is paid the account will be completely closed. You can make that payment online using these steps : * Hover over Transfers & Payments * Click Pay a U.S. Bank Account * Select To account * Select From account * Select Current Balance For information on how the closure process will be completed once that amount is satisfied, you 'll want to call our Cardmember Services representatives at XXXX. Representatives are available 24 hours a day, 7 days a week. You mentioned an ethics concern, and I want to make sure we help with that as well. Can you please clarify how we can assist you in that way? Best regards, XXXX XXXX. U.S. Bank Email Operations Department Complaint with US Bank and FDIC ( see attached ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX AttachmentsXXXX XXXX to XXXX, XXXX Dear FDIC *Please describe below the nature of your complaint or inquiry. Use single quote marks rather than double quotes, if any. On XXXX/XXXX/XXXX I cancelled my US Bank {$5000.00} secured credit card via bank teller XXXX XXXX, and requested my funds to be deposited into my US Bank Checking Account. I have a copy of the fax that was sent that day, and a copy is on file with US Bank. XXXX XXXX XXXX XXXX XXXX XXXX Zip XXXX XXXX was professional and she stated on XXXX it takes 7-10 business days for my funds to be returned to me. She has done nothing wrong in this transaction. on XXXX I called US Bank Call Center at XXXX PST, and asked the lady on a recorded line, is my secured funds deposited back into my checking, and she said my money was in there now, And we confirmed on the phone balance was {$5000.00} and change. | ||||||
| 01/06/2024 | Yes |
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| I do not even know where to begin here. I am absolutely angry at US Bank and extremely angry with the CFPB. I have been filing complaint after complaint with you about the many ways in which US Bank has done me wrong over the last years and everytime you have allowed US Bank to get away with their deceptive and scandalous practices. Then I get a letter from you saying, ohh US Bank said they didn't do anything wrong, so we are going to step aside and do nothing here. Just a few days ago I am reading an article and I could not believe what I saw here. Here is an article from Consumer Affairs, and you can read the article right here at XXXX XXXX XXXX In this consumer affairs article it highlights that he CFPB has ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits {$5.00} XXXX of that going directly to consumers harmed by its actions. Separately, the Office of the Comptroller of the Currency ( OCC ) fined United States Bank {$15.00} XXXX. The CFPB and OCC coordinated during their investigations into U.S. Banks illegal conduct. Can you possibly explain to me why over the last few years when I have made complaints with you about precisely these deceptive practices by US Bank and other bad habits they have had, you have done nothing for me!!?? Why is it that you did not help me with these problems and did not fault US Bank, yet here is an article saying the CFPB ordered US Bank to make payments to people just like me who were harmed by US Bank. You did not help me, you never even told me anything about this fine or order you issued to US Bank, and I most certainly have not seen XXXXXXXX XXXX XXXXt that US Bank has owed me legitimately nor any other additional money they should be made to reimburse me for. WHY?? That is all I can say to you is WHY?? Pick any one of the many complaints I have filed against that bank and order them to make the payments to me I have been seeking for years now. This complaint is equally about you, the CFPB, who have sat idly by over and over as well. " The CFPB says that in evaluating what each person is supposed to receive, U.S. Bank will calculate the lump sum Consequential Harm payment, [ as well as ] evaluate affected consumers for additional or supplemental redress compensation due to evidence of financial harm exceeding consequential harm-related payments. Where is my payment? I qualify in every way and no one ever informed me of this. US Bank kept me from my accounts. They stopped me from accessing my account, the funds in the account, causing me to lose my home and have to live on the streets while being stranded in an entirely different state than I lived in for over a year. The took all access I had from my accounts and made it impossible to get any records or new information. They seized my dead wifes account funds as well for no reason what so ever. I am a victim of all these things. I am furious right now. I am not even asking at this point, I am absolutely DEMANDING that you see to it that I get everything I have been fighting with them about and more for all the years of problems they have caused me. HOW DARE YOU PEOPLE treat my issues so casually and then not even notify me about any of this. I have no more words for the level of outrage present for the both of you right now. Is this how America " succeeds? '' On the backs of people like me and you think it is all just a game!? I am not playing here and I fully expect you to expedite me all my requested funds from US Bank and more. I mean yesterday already. The next contact anyone from US Bank or the CFPB makes with me better include a large check and an even larger apology. Thank you and good day! | ||||||
| 12/06/2022 | Yes |
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| I received the attached letter from XXXX XXXX XXXXXXXX of U.S. Bank, dated XXXX XXXX, XXXX, which I did not receive until the first week of XX/XX/2022 via XXXX. In this letter, XXXX XXXX. XXXX XXXX states that my alleged XXXX XXXX Banker, XXXX XXXX, has retired from U.S. Bank and is therefore no longer my XXXX XXXX Banker. XXXX XXXX indicates that my relationship has been moved to XXXX XXXX, who I reached out to on XXXX XXXX and XXXX XXXX -- but had never been introduced to or spoken with anytime prior -- leaving two voicemails for her regarding issues I encountered with accessing all my U.S. Bank via the U.S. Bank mobile app, as well as not seeing my newly opened personal loan and personal line of credit on my online banking tools. XXXX XXXX called and spoke to me at approximately XXXXXXXX XXXX. on XXXX XXXX, in which we discussed that the Visa card attached to my new personal line of credit did not list my apartment number in my address to where U.S. Bank should ship the card. XXXX XXXX was made aware that the absence of my apartment number could mean a delay in my receiving the card. During this call, XXXX XXXX stated she would only communicate by phone call or voicemail ; she adamantly stated that she would not communicate with me via e-mail. XXXX XXXX also stated that she is only my " temporary '' XXXX XXXX Banker while U.S. Bank XXXXXXXX XXXX attempts to put in place a different private banker for me. For months now, U.S. Bank has stated that they are working to find a long-term solution to my XXXX XXXX banking needs, as well as the legal requirements to treat me fairly and without discrimination for the numerous regulatory complaints I have filed against them for their unfair and discriminatory treatment of me. It's important to note that other U.S. Bank XXXX XXXX customers are allowed to communicate with their private bankers by email but XXXX XXXX will not allow me to do so, presumably to retaliate against me for my prior regulatory complaints. Moreover, XXXX XXXX and her team are intentionally and deliberately taking retaliatory and discriminatory actions against me that are made in plain daylight. That same opportunity is not being afforded to me, because of what I believe is continued discrimination and retaliation for my filing of regulatory complaints against the bank and its employees. Furthermore, how is possible that nearly six months later, U.S. Bank XXXX XXXX doesn't have a long-term team in place, as they have stated and restated they would do? They have failed, lied and made knowingly false statements in their replies to my CFPB complaints -- XXXX XXXXXXXX XXXX alleged retirement from the bank, and the time U.S. Bank has had since their first agreement to put in place a long-term Wealth Management team for me, should have triggered U.S. Bank to follow through on their promises to put in place a permanent Wealth Management banking team for me, just as other Wealth Management customers are given who do not file regulatory complaints. XXXX XXXX, XXXX XXXX and U.S. Bank continue to knowingly and brazenly discriminate and retaliate against me for my good-faith regulatory complaints against them. XXXX XXXX, her team and U.S. Bank have failed and lied at every step of the way, all of which is documented in their own correspondence to me. In their correspondences to me, I was promised a long-term private banking team ; that has not occurred. In their correspondences to me, they have blatantly, openly and casually lied about their mistake in mailing confidential personal information to the wrong address. Furthermore, if other customers are permitted to email their private banker, why is XXXX XXXX refusing to allow me the same opportunity? | ||||||
| 11/25/2019 | Yes |
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| I had started the process of closing a checking account on XX/XX/XXXX due to questionable activity on the previous account. ( In my reports, I have it listed as much later but I went through my email history and found the initial email that I sent ) The lady who had assisted me previously was not available ( I had called the next day to inquire if she had gotten my email ) and she told me to talk with a XXXX after XXXX XXXX. I was working six days a week at the time and I said I would try to stop in after work the next Saturday, which I did, and the process of closing the account was started. However, as I had only my work ID with me, I returned the XXXX to finish the closure and there was a hold on the funds in the closed account until one transaction processed. On XX/XX/XXXX I called the toll free line because it showed that there were funds in my new account but I couldn't access it. After some investigation on behalf of the banking associate on the line, it turned out that there was a " hold '' placed on the funds. The associate removed it and I assumed the account and all things tied to it were closed. I was wrong. On XX/XX/XXXX, I discovered an unauthorized charge on my new account. I looked at the transaction history via my mobile and found out it was from a company that I did not authorize transactions from and had no idea how they got my bank information. Again I called the toll free line and was informed that the card tied to my old account had carried over to my new one and the company used the old card number to pull the funds from my account. The associate closed the card number that day but told me she couldn't do anything while it was in " Authorization Pending '' status. I waited to see if the charge would be revoked but in the meantime, things that SHOULD have been paid were rejected and fees have incurred. I checked my account on the XXXX of XXXX and saw the charge had went through, more fees incurred, more legitimate charges rejected. I have filed complaints with the Federal Reserve ( who forwarded it to you but I do not have that information ), the FTC, the XXXX, and the Office of the Comptroller of the Currency. On XX/XX/XXXX, I checked my account again only to find out that I am - {$500.00}. Also, my bank called that day wondering why I had a dispute in place. I spoke to a XXXX ( again ), and she could not figure out what had gone wrong. She also stated that the account I had mentioned had been closed on the XXXX of XXXX ( which was the reason why I went back and reviewed the timeline of this incident ). Said she would speak with the manager and get back with me. No one did. On XX/XX/XXXX, my mother sent over some money intended for rent to assist with the crisis this error had put me through. I checked my account on the morning of XX/XX/XXXX only to find out that I am now - {$80.00} and absolutely nothing has been done to fix my account. I called the bank 's toll free number this morning, XX/XX/XXXX and requested to speak to a manager. After about five minutes on hold, I spoke to a lady whom I relayed my information to. She informed me that the dispute was put into place on XX/XX/XXXX and not on XX/XX/XXXX when I was told it had been done. In all actuality, the dispute should have been started on XX/XX/XXXX when I discovered the error. The lady said she would have someone look in to it and get back with me. Nothing so far. At this time, none of my overdraft and return fees have been refunded ( and it is at least {$300.00} in fees ) nor has anyone given me a satisfactory answer for this error or even an apology. I have rent coming up and I need this problem fixed in a timely manner. I am tired of getting the run-around! | ||||||
| 03/21/2022 | Yes |
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| Two prepaid gift cards were fraudulently charged in XX/XX/XXXX. We had physical possession of the cards the entire time, so whoever charged them did so without having the cards. The cards were charged for almost all of their balances in California ; we live in Utah and have not been to California in many years nor do we know anyone there. Many attempts were made to contact the card issuer and to report the fraud in order to get our money back, and only one attempt was partially successful. On XXXX XX/XX/XXXX, XXXX attempts were made to call the company. The first attempt at XXXX resulted in an agent picking up after about XXXX minutes and promptly hanging up on my wife after claiming that they couldn't hear my wife. The other two attempts did not let my wife through the phone tree. On XXXX XX/XX/XXXX, my wife attempted to call again ( at XXXX ) and was again hung up on after explaining the situation. On XXXX XX/XX/XXXX, my wife called twice. After starting a call at XXXX, she was hung up on by a phone agent who refused to talk to her because they claimed her name had to be on the card but it wasn't. She explained she was reporting fraud and had never registered the card with the company but they refused by claiming that they still didn't have to do anything. They hung up on her during the few seconds she spent trying to find me to help. At XXXX, she called again, and this time the agent that answered was willing to file a claim with one of the cards ( but only after more hassle from my wife ) but was unwilling to file a claim for the second card. She repeated what the previous agent had said : that it wasn't under my wife 's name or mine and as a result the card company would not let her file a fraud claim. She transferred my wife to an other agent who finally processed one of the claims but again refused to process the other. We still have not heard back about that claim despite it being three weeks. On XXXX XX/XX/XXXX, my wife called one final time during the XXXX window that federal law allows for fraud reporting. After starting the call at XXXX, she was told by the agent that she would not file the claim that had been ignored several times before. My wife proffered information from the time of purchase at the agent 's request, but the agent still refused on the grounds that my wife didn't have a physical receipt ; she suggested that my wife go to the grocery store and demand a physical receipt from them even though the store would be closed by the time my wife could get there, the purchase was from XX/XX/XXXX, and the information my wife had provided was everything that would be found on the receipt save for the time that the purchase occurred. The card company has also restricted online access to the card statements now, but I have copies of the fraudulent charges that I had noted as of XXXX XX/XX/XXXX. The card numbers are XXXX and XXXX. The first card ( ending in XXXX ) is the one that we have not heard word for in almost a month and the second card ( ending in XXXX ) is the one that the agents refused to submit a claim for. The card ending in XXXX had several fraudulent charges and the card ending in XXXX had one made at the same XXXX the first one was fraudulently used at. A spreadsheet containing this information has been attached, as have photos of phone logs and the credit card statement containing the date that the cards were purchased, as well as the total purchase amount and the store location. As a final note, one of the cards had a small amount of money left on it after the fraudulent usage that we were afraid to purchase with. The card company cancelled both of the cards, apparently, so we lost those remaining funds as well. | ||||||
| 03/14/2017 | Yes |
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| POOR CUSTOMER SERVICE - POOR FOLLOW-UP ONGOING DOCUMENTATION On XX/XX/2017 I called the credit card help line to inquire why I had received a credit card I did not ask for. I was greeted by an automated response telling my all agents were busy. 8 minutes later my call was answered. The agent began speaking before the connection was complete so I got a monotone garble and 'what is your account number '. No hello. No how can I help you. No my name is. Just robotic 'what is your account number '? Mind you it 's already been types in. Before I waited the 8 minutes. I gave the number. This person was not happy at her job. And I was not happy to have waited 8 minutes and be greeted by such a nasty person. So I can be nasty right back. She asked for further information in a snotty tone. I asked for her supervisor. She refused until I finished giving her all the information. Now I am getting more irritated. You will not refuse an escalation because you are not satisfied! When I forcefully pushed the issue, she refused her name. She finally conceded and put me on hold.. For 11 minutes. I hung up because I had to take a call. I then tried to call US Bank Corporate. XXXX. Call answered by XXXX. When I told him I was very angry and needed to talk to someone at an executive level, he put me into someone 's voice mail. I hung up. I called again and talked to XXXX. He was not very patient and put me thru to a different voice mail box. I hung up. I called again to XXXX. He yelled at me for being mean to him. He is now aggravated and I VERY angry. He put me on hold for over 12 minutes then transferred me into a general queue. I hung. I called XXXX again several times. Now he is just putting me on hold without even taking my calls. I waited about 10 minutes and called form a different number. I demanded to speak to a human immediately. XXXX laughed. And snorted. He finally put me thru to the credit card office of the president. I was connected with XXXX XXXX. This was a very poor encounter. XXXX refused to address my complaints about customer service. Kept wanting my credit card number. Kept saying Oh we 'll look into it. He was very obstructive to resolving my complaint. When I demanded escalation he stated he was the highest person at US bank I could talk to. EVER! Refused to give the name of his manager. Refused to have his manager call me. Refused to address XXXX 's behavior. Refused to give me the name of XXXX 's supervisor. This seems to be a common theme at US Bank. I am DEMANDING a call from the vice president of the credit card section and the vice president over the business unit that governs the telephone operators. I have had multiple horrible experiences with US Bank. I am just a small time customer. I know we do n't mean much to you. But it is now my mission to be heard and I will keep making an issue of this! It 's the principle of the issue and the way the average customer is treated. I may be reached at XXXX. I expect a call no later than close of business XX/XX/2017 XX/XX/2017. The above call did not occur I did receive a phone message from a XXXX ( sp ) on XX/XX/XXXX and again on XX/XX/XXXX. Both times asking me to return her calls. I have placed 9 calls to her and left messages but no further attempts have been made to reach me. I did speak with a branch manage and the regional director. They did assist me in getting the card closed but have not been able to facilitate my complaint about service. I was told that 'XXXX ' was the highest - best person to talk to. On XX/XX/XXXX I was also told that XXXX XXXX manager was to call me. As of today XX/XX/2017, no one from any part of US Bank has attempted to reach out to me. | ||||||
| 01/04/2016 | Yes |
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Web | Older American |
| US Bank mishandled distributions from and disposition of the IRAs of my mother who died XX/XX/2015. They failed to respond to my numerous requests for resolution. A description of the problem is attached. This letter constitutes my formal request as personal representative of the estate of XXXX that the IRA minimum distribution of $ XXXX made by US Bank on XX/XX/2015 and deposited to USB checking account XXXX be reversed and redeposited to IRA # XXXXXX. Under IRS guidelines and common trust law, such distribution violated the terms of the underlying IRA agreement. It constituted an unauthorized distribution as ownership of the decedent 's XXXX IRAs transferred to her designated beneficiaries upon her death and neither beneficiary approved the distribution. In addition, the XX/XX/2015 distribution also violates the decedent 's IRA beneficiary designation since it pays $ XXXX to an account in the name of only XXXX of the designated beneficiaries, instead of paying equally to the XXXX designated beneficiaries. BACKGROUND : 1. XXXX died on XX/XX/2015. 2. On XXXX XXXX 's date of death, she had XXXX IRAs with US Bank, IRA XXXX with a value of $ XXXX and IRA Account # XXXX with a value of $ XXXX. The designated beneficiaries for both accounts were her children, XXXX and XXXX. 3. After reaching age XXXX, XXXX XXXX had set up an automatic withdrawal of her annual IRA required minimum distribution. 4. On or about XX/XX/2015, I, XXXX, personally went to the XXXX XXXX XXXX XXXX US Bank and notified them of my mother 's death. 5. On XXXX X, 2015, my brother, XXXX, and I went to US Bank and provided a copy of the death certificate of XXXX to US Bank, XXXX XXXX branch. 6. During our XX/XX/XXXX visit to US Bank, XXXX and XXXX also discussed my mother 's IRAs with XXXX, a personal banker. XXXX called USB 's IRA department to notify them of my mother 's death and to assist him in preparing documentation to move my mother 's IRAs to my brother and I as beneficiaries. 7. On XX/XX/2015, the unauthorized RMD distribution of $ XXXX referenced above was made from my mother 's IRA. 8. Since XX/XX/XXXX, I have repeatedly been in contact with the XXXX XXXX branch office and US Bank customer service regarding this unauthorized transaction and the need to correct it. 9. The Bank has refused to reverse the $ XXXX distribution. The reason US Bank has provided to me for their refusal to reverse the distribution - that the IRA department did not have knowledge of XXXX XXXX 's death until XX/XX/2015. I find this hard to believe. Staff at the USB XXXX XXXX branch have confirmed receipt of my mother 's death certificate XX/XX/2015. Branch staff has acknowledged contacting the IRA department about the death. Am I as a bank customer really required to notify each internal bank department of my mother 's death? Since US Bank is one corporation, the single notice of death provided on XX/XX/XXXX ought to be sufficient for the entire organization. In addition, I heard the XXXX XXXX branch employee speaking to the IRA department on XX/XX/XXXX. There is no excuse for their not noting the death on their records. When I asked US Bank about the social security number under which the XX/XX/XXXX distribution would be reported, I was told that it would be reported under XXXX XXXX 's SSN and that this was acceptable because a final Form XXXX would need to be filed on her behalf for 2015. Not only is this response inaccurate, but it encourages tax fraud since under IRS rules the final return of the decedent only includes income through the date of death, not income distributed in this case three and a half months after death and three months after US Bank had been notified of the death. | ||||||
| 07/23/2015 | Yes |
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| My wife and I purchased a new home using US Bank as our mortgage lender and it was a horrible experience. We were verbally pre-approved for the loan in XXXX, submitted to US Bank the signed contract for purchase of our home on XXXX XXXX, 2015 with a close date of XXXX XXXX, 2015 and sent US Bank the required checklist documentation on XXXX XXXX. Those documents included XXXX 's, asset statements, copy of the cleared escrow check, IRS form to request XXXX and tax returns, etc. After XXXX phone calls and numerous emails, I finally received confirmation of receipt from US Bank a week later. I was informed they had everything they needed and my application was submitted to underwriting. I called and emailed my loan processor a minimum of XXXX times between XXXX XXXX and XXXX XXXX asking for an update and was told everything was going smoothly. XXXX days prior to close I received a letter from the IRS stating US Bank had incorrectly submitted the XXXX form and I needed to fill out a new XXXX in order for US Bank to obtain my XXXX 's and tax returns. I responded immediately. When I called US Bank at XXXX on Monday, XXXX XXXX ( less than 4 days from close scheduled at XXXX am on Friday, XXXX XXXX ) I was told my application had finally been reviewed by underwriting and they had requested more documentation. They had lost the letter I wrote back in XXXX informing them about what I was doing with my current home as well as the copy of the cleared escrow check. They also had legitimate requests for updated statements and last paycheck. I submitted the required information the same evening. On Tuesday I received the seller 's closing statement and sent it to US Bank to assist them with preparing the HUD and related paperwork. I also called the seller 's title company the same day and they informed me XXXX XXXX at US Bank told her our title company would be XXXX XXXX. This was incorrect as the seller 's title company called XXXX and they had no indication from US Bank they were handling our closing. It was n't until late Wednesday or early Thursday that the seller 's title company was informed by US Bank they would be handling both sides of the closing. At XXXX on Thursday ( less than XXXX hours before close ) I contacted US Bank and was told our loan had finally been approved. Given there was not time for US Bank or the title company to complete the paperwork by XXXX the following day, our close time was moved to XXXX on Friday, XXXX XXXX. I received a call from US Bank at XXXX on Friday XXXX XXXX informing me US Bank had received the title commitment and discovered a contract amendment they had n't seen before. It was for several minor home repairs we 'd requested the sellers to make and they agreed to. We were told the paperwork was going to underwriting but we were still on schedule to close on Friday. XXXX hours later and after calling XXXX people at US Bank, I was finally informed at XXXX they had missed the wire cutoff time so the closing had to be moved to the following Monday at XXXX. Our seller 's had to go home, unpack their moving truck as they were unable to sell and subsequently make their new home purchase. They returned the truck and re-rented it the following Monday. Of the XXXX people I spoke with at US Bank, no one apologized or even came close to accepting blame for the delays, lost paperwork and misinformation on their side. In fact, they blamed the title company, my realtor and their own IT vendor for system issues. They had nearly 6 weeks to process my application but literally waited until it was too late to meet our closing date. It was embarrassing and impacted us, our seller 's, the title company, the seller 's sellers and their agent. | ||||||
| 12/14/2023 | Yes |
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Web | Older American, Servicemember |
| hello my name is XXXX XXXX XXXX. I opened up a US bank account early in XXXX of this year in XXXX. I opened it due to the fact that I was surrendering my XXXX XXXX XXXX XXXX policy which was from my deceased husband XXXX XXXX. He payed the policy in full and never missed a payment. I had made a couple withdrawls and so at the time of being surrendered the total was a little over {$54000.00}. I was not planning on cashing it in so I asked for {$9900.00}, which was my first deposit into my US bank account. I believe that the remainder was deposited the very same day if not the next. The day after the first {$9900.00} withdrawl from XXXX XXXX, I really got peeved with them and I kindly asked them to allow me to surrender my account in full and close it up. So they did, and then my total was the full {$54000.00} into my US bank Safe Debit Account, which I was not made fully aware that this was actually a savings account not a checking account. So, I asked my niece to help me make a real checking account in which she did. I surrendered the account in its entirety not only because National Life upset me but because I needed money for a multitude of medical bills I was accuring at that moment. My niece was with me and we ended up making the alternate actual checking account and we proceeded to transfer {$5000.00} into it to open it up. The transfer was successfull and I was still awaiting a debit card, which at the time was taking rather long for the first one to arrive. I needed MY MONEY, MY MONEY WHICH WAS PUT INTO THE XXXX XXXX ACCOUNT FOR ME BY MY DECEASED HUSBAND. My niece informed me we could do a XXXX transfer, and appafrently as soon as she attempted this the account got locked. I immediately called the bank and they were rude, had little to no explanation as to what was going on, and I was fit to be tied. I demanded the account to be closed immediately and for them to send me my money because I no longer wanted to do business with them any more. They replied that that was fine so there would be a check in the mail in the entire amount for both accounts which at this point was {$49000.00} and {$5000.00}. I believe it was the following day or the day after that that I was havimng a XXXX XXXX at the XXXX I am XXXX XXXX XXXX, I need assistance in almost everything I do. I currently XXXX XXXX XXXX had it XXXX and XXXX XXXX XXXX. I have only been to the XXXX in a XXXX if I have left this house at all with the exception of attending a notary signing and moving. These instances drained me to no avail. So, then US bank informede me that I would need to physically go into the bank in which it just wasnt going to be able to happen. I am at my wits end with this bank, and they have held my money for almost a year. I had my niece go into US Bank with a notarized PoA in which i feel like they see it as something taken lightly. She is my chosen Fiduciary. She takes it very seriously as do I. So, atempting to collect MY MONEY YET AGAIN SINCE I WAS IN A BED RIDDEN STATE DUE TO MY HIP WHICH I HAVE MEDICAL DOCUMENTATION FOR, PLEASE SEE ATTACHED. Please I am not going to be on this earth this much longer I just want to fullfill my financial obligations with what is mine. I can not physically make it to the bank thats why there is my PoA is enacted and she needs to be treated as though she has full access to my account and made able to retrieve all funds. I feel like my rights are being violated and i have read the ADA act, I have asked many questions and I feel as a aging consumer with not alot of time left in this world that this bank would be as kind as taking all these factors into consideration and just giving me whats mine hopefully before XXXX. Help me | ||||||
| 02/18/2021 | Yes |
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| I initiated a refinance with US Bank on XX/XX/XXXX. I was told we would close within approximately 60 days. As of today XX/XX/XXXX, we have not closed, it has been over 170 days. I have shared my concerns with several US Bank employees and asked several time that this situation be escalated and it has yet to make any progress or be resolved. I have been misinformed and misled several time by US Bank employees. On XX/XX/XXXX, I received an email from the Mortgage Sales Manager at US Bank stating that they were waiting for the subordination form to be returned from Citizens Bank, ( 2nd mortgage holder on the property ). I later was informed by a US Bank underwriter that the subordination request was not even sent until XX/XX/XXXX, over a month after I was told that US Bank sent the request and was awaiting a response. I later contacted Citizens Bank and was told that the subordination submitted by US Bank was inaccurate and/or incomplete and it was sent back. US Bank submitted a 2nd subordination request which was again denied by Citizens Bank because it again was inaccurate/incomplete. Again, on several occasions I have asked to speak to senior management/leadership and I have never been given the opportunity. The only US Bank employees I have communicated with have been a Mortgage Sales Manager, Mortgage Operations Supervisor, and an underwriter. I recently asked the Mortgage Sales Manager if the original APR should change since rates have decreased since we initiated the refinance and that the rate lock has definitely expired. The Mortgage Sales Manager told me he would look into it. I had to follow up several times before getting a response. Finally, I was left a voicemail telling me the rate will decrease by .50 %. I truly believe that if I had not inquired about the rate and if I didnt continue to follow up, US Bank would have never adjusted the rate to the current market rates. I felt that this was very deceptive. Clearly, US Bank is not looking for the best interest of their customers. Originally, I was informed the entire refinance process, including closing, will take approximately 60 days. This process has now exceeded 170 days, my credit has been pulled several times, I have had to supply the same documentation, XXXX bank statements, mortgage statements, paystubs, etc. ) multiple times due to information expiring since this process is taking so long. US Bank has asked my current lender for payoff balances several times, ( at least 3 time ), and every time my lender sends the payoff statement I am charged a fee. At one point US Bank requested 2 payoff statements within 2 days of each other and I was assessed 2 fees by my current lender to provide the statements. Furthermore, I have not been given a concrete solution to this problem. I am constantly being told that we are working on it or we are doing our best. The last information provided to me is that US Bank will contact Citizens Bank and submit a 3rd subordination request. I have paid all requested fees and costs in full and timely. I have provided all requested documentation accurately and timely. I continuously communicated and followed up with US Bank. US bank has misled me on several occasions. US bank has clearly not been transparent and at times has been deceptive. US Bank senior management/leadership have refused to listen to my concerns and have refused to take any action to address/resolve any of my concerns. This has been an absolutely terrible experience, yet, I have continued to be patient and continued to fulfill any and all requests. At this point, I ask the CFPB to intervene to help resolve this issue and help prevent other consumers from having a similar experience. | ||||||
| 10/11/2015 | Yes |
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Web | Older American |
| On XXXX XXXX, I opened an XXXX of Credit with U.S.Bank. It had a draw period of 10 years and repayment of 15 years. I only needed a short-term loan. I made a payment on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I made a final payment, paying off all principal and credit, closing the account ( PDF attached ). Review of the terms of the original contract and the payments that I made signify that I paid the loan balance and the {$350.00} prepayment penalty due when the account was closed within 3 years. ( page XXXX of contract PDF Attached ). The following year, in XXXX XXXX, I received a statement indicating that my balance was {$0.00} and showing a " Minimum Due '' of {$75.00}. I took this to the local branch of U.S.Bank to inquire. I was told that I could ignore the {$75.00} Due because I had a balance of {$0.00}. This charge would only apply if I wanted to reopen the line of credit. This information came from the branch manager. The following year, I again received a statement. It showed a balance due of {$150.00} and a balance of {$0.00}. I took this into the local branch and was told that I did not owe anything. All records showed that I had payed off this loan. In XXXX of XXXX, I received a letter stating that my account had been " charged off '' and sent to a credit bureau because I had been remiss in paying. I took this letter to the local branch. I was again told by a confused teller, I owed nothing. I asked to see a manager. The manager looked on-line and made calls and told me that indeed I owed this money due to a yearly fee, even though I had paid off all balances and debts in XXXX. At this time, I wrote letters to U.S.Bank and filed a complaint with CFPB ( Case number : XXXX ). Since that time, I have filed numerous documents with CFPB and written many letters toU.S.Bank. The " charge off '' was reversed and the negative credit report was erased. However, U.S.Bank continued to say that I owed the fees totaling {$900.00}. In XXXX, XXXX, I received an email from CFPB saying that my case had been closed. Though I had sent follow-up material to CFPB it seemed that all that had been done could be done. U.S.Bank said that if I did n't pay the {$900.00} by XXXX XXXX I would be assessed an additional {$75.00}. I called the contact I had from U.S.Bank, but she was on vacation. I called the credit line, verified the fees and attempted to pay. I was not able to pay and receive assurance that the account would finally be closed. I was directed to the local branch. I went in to pay at the branch, but was told I owed nothing. At my request a supervisor got involved and found the {$900.00} fee. I wrote a check and asked for written assurance that the account was closed. ( My intent was to stop the accumulation of charges while I argue that they were wrong in the first place. I wanted to regain this {$900.00}. ) They could not comply. They suggested that I keep checking on line for a couple of weeks to make sure it closed. In other words, I was back to XXXX. Once again, I had paid off my debts and could not be sure this account was closed. This reinforces my arguments of the last seven months that indeed, U.S.Bank had a faulty system that incurs debts against consumers without giving a service or product. At this point I called XXXX of your counselors at CFPB asking to reopen my case. I was told that my case was closed and could not be reopened. In addition, I was told that my original complaint had been about the Credit Bureau " charge off '' and that had been solved. I was advised to open a new complaint. That is what I am doing with this form. It is my goal to be paid back the {$900.00} fee and have U.S.Bank review and revise their policy and reporting. | ||||||
| 12/07/2021 | Yes |
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| Background : Complaint # 1 : My auto loan account was opened when I purchased this new car back to XXXX in XXXX. I moved to XXXX State in XXXX and requested to transfer the title to the state. Instead of fulfilling this request, U.S. Bank sent a copy of the title to the local DMV at XXXX State and at that moment, I did not know the title was never transferred from XXXX to XXXX, because I was successfully received the new vehicle registration under XXXX state. I found out the title was never transferred when I paid off the auto loan in late XX/XX/XXXX with US Bank. I was told that the process was never completed and US Bank had zero responsibility for it. As a lender to hold the lien of the loan, how would they have zero responsibility when customer request the change? Complaint # 2 : - On XX/XX/XXXX, I paid off this auto loan with US Bank, I confirmed with the representative ( on the day of payoff and XXXX when I called the customer service ) that it will take 10 business days to send out the release on lien. - On XX/XX/XXXX, US Bank claimed that they sent out the release of lien. ( I confirmed on XXXX with calling the representative ). - On XX/XX/XXXX, I still haven't received the release of lien so I called again, I was advised that the doc will be sending out on XX/XX/XXXX, it was never sent out before that day. - On XXXX, I still haven't received the release of lien so I called again. I was told the paper was sent but became a returned mail because US Bank had made a mistake on the address line, as a result. US Bank at this point, chose not to correct this mistake and proactively resend the doc again to the customer. I confirmed the bank does not have any policy to take care of this until the customer calls to request a resend with the representative. I requested the resend of the doc, then I was told it now takes another 16 business days for them to process. - Later, on the same call on XXXX, the representative, XXXX, said that she never said there was a returned mail, but an invalid address was made on the electronic title, so I have to wait XXXX state to send me the copy of my title but it takes 80 business days, and she told me to call DMV to follow up instead of calling US Bank. - I requested to escalate the call to a supervisor, because XXXX is really confusing me. And, the supervisor, XXXX confirmed that I will be receiving a release of lien in mail in 3-7 business days. At this point, I am very confused about the situation. Because obviously, from my experience with US Bank, the auto loan team is far less than being professional and provide below than average customer experience. The customer service team definitely needs training on the customer services and knowledge about the procedure. Not only they are confused with their internal records and information ( No new info was added during the call, I was just reviewing the previous records on dates and letting them know I did not receive the doc ), they failed to listen to customers ' concern and made wrong assuming with the situation to confuse the customer. ( XXXX, especially ). That made me wondering did the Bank put enough resources to the team to handle customer request or chose not to provide proper customer cares because of the account is paid off and no longer profitable? Why it would take so long to release a doc to the customer? When at the meanwhile I have no problem of receiving statement from US Bank, but they said the doc that sent earlier was with an invalid address? How would their internal audit and CFPB audit their desktop policies to make sure the Bank is comply with the regulations on handling loan related documents to the customers in this matter? | ||||||
| 07/12/2016 | Yes |
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| I received a pre-paid XXXX gift card that is issued by U.S. Bank National Association for my birthday in XXXX XXXX. XXXX XXXX - I called XXXX at XXXX to see if the gift card I received as a birthday gift needed to be activated before use. I was told that it did not and it was available for use. I also asked when it expired and was told that there is n't an expiration date, even though the front of the card says XXXX. It only " expires '' once the funds are completely removed from the card. Saturday XXXX XXXX, XXXX at approx. XXXX - I went to XXXX which is a local home store located in XXXX , Ohio . I went to purchase a couple of items with my XXXX Gift Card from XXXX. During checkout I was asked to swipe my gift card so the amount could be credited to my purchase. I was told that the card was declined. Since the card was not used and XXXX told me there were funds available, I was not sure why the card would not work. The cashier asked me to try again and run it as a credit card. I did. Again it was declined. The cashier asked me to run it one more time. I did and this time ran it as a debit card and entered a pin number that is on the back of the card. It was declined. The At Home store then informed me that there point of sale system would not allow the card to be swiped again and that three times was the limit. I was not able to purchase the items that I had picked out to use the gift card on. Monday XXXX XXXX, XXXX at XXXX - I looked at the back of my gift card and went to the website they suggest for card balance inquiries. I went to the site ( Exhibit A ) and entered my card number, the XXXX digit security code from the back and entered the robot code from the website. I hit Log In and the page refreshed removing all of the data I just entered. The page did not load or continue to a new page. The site looked to be broke. I then called XXXX at XXXX to determine the issue. The automated system asked me to enter my card number to make the process quicker. A customer service woman then took my call. The woman that I talked to asked me for the number on my card again. I provided the number and then she asked me what the value of the card was. I told her {$75.00}. She then proceeded to tell me that I was correct and that amount was still on the card. She told me that the card was purchased in XXXX XXXX ( this is after when I received the card ). I told her that the card was declined at a local store and she apologized for the inconvenience. She then proceeded to tell me that I would need to provide proof of purchase to them. I told her that this was a gift and that I did not purchase this card. I told her that I did not understand why they needed a proof of purchase when I have the card in my possession and there is still money on the card. It did not make sense. She explained that this was their process. I also wanted to know if the card was purchase with cash, what then? She stated that there was " nothing that they can do '' if there is no proof of purchase. I explained that this did not seem correct and thanked her for her time. The call ended. I have also found several sites where consumers of XXXX gift cards have had similar issue with this company not honoring the monetary value on their cards. Many customers have had the card value deplete due to fees from this company while the card was declined or not used. Others have had the same experience as me where they were told to provide proof of purchase and nothing was ever resolved. This company, along with the companies that are " storefronts '' to sell the cards, I believe is committing fraud and stealing funds from consumers. I then contacted my attorney to discuss my options. | ||||||
| 04/24/2015 | Yes |
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Web | |
| This is in regards to my XXXX XXXX XXXX XXXX Account. RE : XXXX XXXX : ****************Back in XX/XX/XXXX, I lost my wallet and a few days after the loss, I logged onto my college card account and noticed several charges that had been made including ATM withdrawal transactions. Immediately I contacted the bank and had them cancel the card, and filed a dispute with there fraud department. I completed the dispute claim forms and faxed them right away. About a week later, the bank had reimbursed me for the lost funds, Approx. {$1800.00}. As time went on, I never heard back from the bank, and so I figured they had closed the complaint. On XX/XX/XXXX, I got an email from my college telling me that my financial aid funds had been deposited into my account. When I went to order some books for XXXX quarter and the transaction was denied, I drove back home and logged onto my account to see the balance. I noticed it said I had a balance of {$850.00} and so I did n't understand why my transaction was being denied. I contacted customer service, and that 's when I was informed that my disputed claims had been denied and the temporary credits reversed, causing my account to overdraft approx. {$1800.00}. No letter of any sort was mailed to me informing me that my claims had in fact been denied. I was told that decision was made back on XX/XX/XXXX. I was denied disputed transaction claims on the grounds that there was a " pattern of use '', therefore denying me of any refund for the lost funds. This denial is severely effecting me from being able to participate in my XXXX Quarter studies, because I ca n't even purchase the books needed in order to fully participate in those classes. The following are the reference numbers and amounts in dispute : Reference Number : XXXX of Claim : $ XXXX Number : XXXX of Claim : $ XXXX Number : XXXX of Claim : $ XXXX Number : XXXX of Claim : $ XXXX Number : XXXX of Claim : $ XXXX Number : XXXX of Claim : $ XXXX of these claims was not justified and I am appealing the denial. Had there been a proper and full investigation into this matter, the outcome of the investigation would have ruled in my favor. And unless I am being accused of committing fraud, there should be no reason to deny me of my disputed claims. When viewing the " FAQ '' page on the online card account website, the only information given for lost and stolen cards is the following " FAQ '' : What happens if my XXXX Card is lost or stolen? Immediately report a lost or stolen card by calling Cardholder Services at XXXX. As long as the missing card is reported immediately, you will not be responsible for any unauthorized charges. I have spoken to my local police and was told that because these transactions took place outside of their jurisdiction, there is not much they can do in terms of investigating these theft charges. I was advised to contact the department in the cities and or counties in which these crimes happened. XXXX of the cities I personally have never even heard of. It is to my understanding that in order to obtain copies of the ATM videos that most of these transactions took place, I would be required to submit subpoena, which means I would most likely need to file suit first. Though this is the absolute most extreme outcome, I am fully prepared to do so. In my opinion, they have failed in there obligation to conduct a full and proper investigation and adequate service. Furthermore, I feel they are not honoring there written terms and conditions provided on the cardholder website where my account is held. They never informed me of any decision, they refuse to reimburse me my financial aid funds, and they did not follow procedure that 's | ||||||
| 08/20/2022 | Yes |
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| This complaint is a new complaint, and its issues stem directly from CFPB Complaints IDs XXXX and XXXX. Please reference those CFPB Complaint IDs in responding to this new complaint. I received a paper check from the Minnesota Department of Revenue, made payable to " Estate of XXXX XXXX XXXX, '' who is my deceased husband and a former joint account holder on the checking account referenced in this complaint. For security purposes, I have uploaded only a copy of the envelope of the check. Because XXXX is deceased and no longer a joint account holder on checking account XXXX, I had concerns about depositing this check since the check is not made payable directly to me. Per my conversation with XXXX XXXX XXXX of U.S. Bank on XX/XX/XXXX and her e-mail to me on XX/XX/XXXX, XXXX coerced me and relegated me to using U.S. Bank 's Wealth Management call center, who XXXX XXXX says `` This team handles many servicing requests for our Wealth Management Clients such as wires, account inquiries, ordering checks etc. '' On XX/XX/XXXX at approximately XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX. I called the Wealth Management banking center to inquire on how to properly deposit this check and avoid any potential flags of fraud or risk on my account, since the check is not made payable directly to me but instead is made payable to my deceased husband. On those three, separate calls, I was not able to reach a live agent because U.S. Bank Wealth Management 's phone system could not transfer me to a live agent, it told me there was a 25-minute hold or hung up completely on me. As a result, I still do not have any answer on how to properly and accurately deposit this check, because XXXX XXXX and her team -- XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- have retaliated against and discriminated against me for making good-faith complaints about them to regulatory bodies for their conduct ; for XXXX XXXX 's failure to invest my money ; and for XXXX XXXX deliberately refusing to work with me for the same retaliatory, discriminatory reasons. I am unable to deposit the check until I have a definitive answer on whether or not depositing it may create fraud or risk issues ; if I had a Private Client Banker assigned to me, who was initially XXXX XXXX, I would not be in this burdensome, financially difficult position -- a position created by XXXX XXXX and her team that has now cost me the ability to deposit funds into my own checking account. XXXX XXXX 's actions and her team 's actions have now proven, in tangible form, to have treated me differently than other customers who did not make good-faith regulatory complaints against them. Additionally, unrelated to the deposit of the check, I received in a more than {$150000.00} deposit on XXXX XXXX, and I have reached out to US Bank Corp Investments ' call center to find a financial advisor to help me invest this money, as mentioned previously in the above-mentioned CFPB complaint IDs. The soonest I can receive any financial advisory to speak, someone who doesn't know me or my specific financial situation, is not until XXXX, XXXX XXXX. Until then, XXXX XXXX and her team 's coercive, discriminatory and retaliatory actions have cost me tangible financial loss in the way of being unable to deposit funds nor invest the most recent deposit of more than {$150000.00}, which brings my total portfolio value to nearly {$330000.00}. I have attached an e-mail I received from one of US Bank Corp 's call center financial consultants concerning the availability of a potentially new financial advisor to assist in investing my money -- money that's sitting uninvested and potentially losing money as a direct result of XXXX XXXX and her team. | ||||||
| 11/14/2019 | Yes |
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Web | Older American |
| This is the body of the email I sent to XXXX XXXX at U.S. Bank, on XX/XX/XXXX : Almost two years ago I refinanced my car with U.S. Bank. I had an indirect loan, and I refinanced with a direct loan. I am not happy with the way I was treated, which is why I am writing to you. I think it was in mid-XXXX, XXXX that I went to the XXXX Main branch to inquire about a loan sale U.S. Bank was offering at that time. The advertised rate was 2.99 %. When I spoke with the banker, I made it very clear that I did not want to refinance until I had paid a full two years on the indirect loan - I wanted a new 48 month loan to replace 48 months remaining on the indirect loan. She said that was okay, but pressured me to apply for the loan that same day because they didn't know how long the sale would go on. OK, that made sense, and I was assured that I could still close on the new loan after I made my XXXX, XXXX payment. My new loan was approved. However, near the end of XXXX the branch manager was calling me, pressuring me to come in before the end of the month to close on the new loan. I explained to her that I wanted to wait until the XX/XX/XXXX payment was made so I was replacing 48 months on the indirect loan with 48 months on the new direct loan. She said that the approval wouldn't be good forever, and that she had to get the loan closed before the approval expired. I now suspect that she wanted to get my new loan closed before month end so it would make her numbers look better for XXXX. I did go in and sign the loan documents on XX/XX/XXXX and the new loan was closed. The interest rate was 3.25 % on the contract. Then next week I received a letter from underwriting ( dated XX/XX/XXXX ) saying that they could not offer me a loan at the advertised rate, but were offering me a loan at 3 %. The letter said that I had 10 days to accept the counter offer. Keep in mind that I had already signed loan documents for 3.25 %, not knowing that this counter offer for 3 % was on its way to me. I am attaching a copy of that letter. I signed the new loan documents well within that 10 day time frame, but the branch did not honor the rate quoted in the letter. I contacted the branch in XXXX, XXXX and they assured me they would try to make things right for me. I am attaching copies of two emails I received from the branch to that effect. They were very slow in getting back to me, and several times I had to follow up with them. Then the branch stopped communicating with me. It became obvious that I wasn't going to get my loan corrected by working with them. On Sunday, XX/XX/XXXX I called XXXX and spoke with an agent named XXXX. She assured me that she was writing everything down, and after we were finished she would go into after call, write her notes, and forward my information to her supervisor and tell the supervisor to call me the next day. The supervisor never called me. About 10 days later I again called XXXX and spoke with an agent named XXXX. I'm not sure of the spelling of her name. She told me the bank couldn't reduce my rate because current rates were higher than 3 %. Finally she called financial sales and reported to me that they told her it has been a year so they weren't going to do anything. I reminded her that I have been trying to resolve this since XXXX and she said that didn't matter, there was nothing that U.S. Bank could do for me. Due to family issues I let the matter go another year, so I have less of a leg to stand on than I did a year ago and I don't expect anything from U.S. Bank. I know the .25 % difference in interest is only about {$60.00} over the life of the loan, but to me it is the principle. My car loan is now paid in full. | ||||||
| 10/29/2023 | Yes |
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I am writing to complain about a " late payment '' reported for my FidelityRewards credit card on my credit statement. I made substantial efforts to make the reported payment on time, but the payment mechanism implemented on the card services website was misleading and poorly implemented in a number of ways. In the end, the fourth payment attempt, which was successful, was four days past the 30-days-late mark after three attempts I made to make an ACH payment.
I believe that the delay was substantially the fault of Elan or their agents as follows : 1 ) Their website only requires that an account number be entered once, and it is not visible to be checked. Other sites have users enter an account number twice to make sure that the two entries match. 2 ) The site states that the account number will be verified, but that does not seem to happen until the payment is actually attempted. Other online payments I've made identify an incorrect account number immediately or within a day. Verification was not made for months on my initial auto-pay setup. 3 ) Notification of a failed payment was extremely slow. Failure of the initial autopay setup was only reported to me 2-3 weeks after the failure. From the time my next payment attempt was entered until I received notification that it had failed was 2-3 weeks. I immediately made yet another online payment, this time successfully, but it was four days beyond thirty days late. 4 ) The website clearly stated, " Thanks for your payment, '' when I made an immediate ACH payment online. I have attached a screen grab of that page ( the second page in the attached file ) made recently with a small test payment. I considered that to be confirmation that the payment had been made. 5 ) I was only able to speak with " collections '' personnel at the " customer service '' number, and they were unhelpful in resolving the issue. Here is a timeline of events : XXXX XXXX : Fidelity forced us to close our checking account and open a new one, requiring autopayment to be set up again XXXX : I attempted to set up new checking account for XXXX XX/XX/XXXX XX/XX/XXXX auto=payment listed on statement {$220.00} XX/XX/XXXX =============payment due date XX/XX/XXXX XX/XX/XXXX payment reversal {$220.00} XX/XX/XXXX date on paper notification from Elan / Fidelity Investments XXXX receipt of paper notification XX/XX/XXXX payment thankyou {$220.00} XX/XX/XXXX XX/XX/XXXX payment reversal {$220.00} XX/XX/XXXX date on paper notification from Elan XX/XX/XXXX ============= payment due date XX/XX/XXXX receipt of paper notification XX/XX/XXXX payment thank you Given my urgent, sincere, and repeated efforts to make payment and the difficulties of doing so with Elan 's website XXXX I believe that the delay in payment was substantially caused by Elan. My record of XXXX late payments to Elan for many years and XXXX late payments to any creditor for many years should indicate that I take these obligations very seriously and am very responsible. This one reported late payment has lowered my credit score, as well as my wife 's, and both of my sons ' by XXXX points each. I am motivated to strongly pursue this case if this attempt is not successful. It is unfairly damaging our finances. I did request help with this from Fidelity Investments. They reported reaching out to Elan and said that Elan would be sending me a letter in late XXXX. It has been a month since then, and I have received no communication from Elan, so I feel forced to take the step of making this complaint. I also had several phone conversations with Elan, who stated that they would not speak to me about this credit reporting issue. |
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| 09/17/2020 | Yes |
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| On Wednesday, XXXX, I went to a local branch of US Bank with the intent to close my Checking Account which had a balance of {$280.00} on XXXX. I was informed that there was a non-refundable 'Tax Levy Fee ' of {$100.00}, reducing my balance to {$180.00}. I was then informed that the remainder of the balance is placed on hold and was handed a copy of a letter to me dated XXXX -- six days after it was sent, which as of XXXX has not yet arrived -- explaining the actions against my account being taken by US Bank. The letter states that the remaining funds of {$180.00} will be sent to : 'Personal Income Tax on XXXX, unless we receive a release or changes to these instructions, ' presumably referring to the California Franchise Tax Board ( CA FTB ). Frankly, I was astonished by the turn of events, that I'm unable to withdraw any amount as the remaining balance has been marked 'Unavailable Funds, ' and further pointing out that 'This isn't the first time that I have been assessed this 'Tax Levy Fee. '' The other time was about a year to a year-and-a-half ago which amounted to two assessments, {$100.00} and {$46.00}, and there may be still others. I have since requested for documentation of all 'Tax Levy Fees ' assessed to my account on XXXX to be sent by mail to my address, and later I followed up on the progress and was told, 'Since I am reviewing five years of statements, I may not have the information in the 30 minutes that was initially given as an estimate. I may need until tomorrow. ' I am currently awaiting for that information from the teller followed by those documents to arrive. The teller, XXXX XXXX, offered if I wanted to talk to the Legal Department to resolve my account matters, to which I affirmed. Her first attempt, she was kept on hold for a long time and then she hung up and on her second attempt, Legal Department hung up on her before any conversation could ensue. So there was no possibility to a resolution to the matter which was a very similar experience of my past attempts to resolve the 'Tax Levy Fees ' issue before finally abandoning the matter, so shortly thereafter, I left the bank. For a long time now, I have wonder what exactly are these 'Tax Levy Fees ' which has been described to me as a 'bank administrative fee ' that has now totaled to well over {$200.00}, non-refundable. But what is the bank administering since I'm already working directly with the CA FTB to resolve my tax issues? And furthermore, why can't I resolve these issues with staff who are available at the bank? In the past, the CA FTB has provided proper notification of the status of my case or garnishment of any of my earnings. So it is perplexing to me that US Bank has assumed trying to resolve my tax issues, rather than me being able to control my own finances so I can resolve my own tax issues. In the morning of Thursday, XXXX, I had a conversation with someone at the bank 's Legal Department, and it was a meandering conversation that kept referring me back to 'Talk with the Tax Agency, ' presumably referring to the CA FTB. Well, I have been in conversation with the CA FTB and have my own plan which is in the process to resolve my tax issues. What I believe is happening is that this is an unfair practice on the part of US Bank to create unnecessary barriers to resolve issues on the spot that should be handled efficiently and effectively at the bank branch level. And in the process, it has left me with fewer options to handle my finances by assessing questionable fees multiple times and blocking access to my account, especially in light of a global pandemic via Covid-19 and the resulting economic downturn, to meet the bank 's ends. | ||||||
| 02/06/2019 | Yes |
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| On XX/XX/2019 I went to US Bank to find out if my fees could be saved due to hardship. I was told from another branch to go speak with the Branch manager located at XXXX XXXX XXXX in XXXX. XXXX XXXX, is the branch manager, I spoke with an employee at this location and ask if my fees could be waved and I explained to her about my hardship and I also asked her could she give me a print out of how the procedure goes in the event your account gets frozen and the bank take out a fee, she never gave me that information but informed me my account was closed and I needed to speak with the branch manager but he would be on the phone for 20 minutes, I told her I would wait. A person name XXXX, walked up to me and said she was a manager could she help me??? I explained to her my situation and asked why did they close my account and then turn around and charge me XXXX because they closed it making matters worst for me, so she informed me the XXXX U S Bank closed my account, so going forth she changed her story once I contacted them as I spoke with XXXX XXXX, she ask to speak to her from my cellphone. I spoke back with XXXX and she said the account was automatically closed due to overdraft fees, I really got furious. In the mean time the branch manager stayed on the phone and never assisted me, because I was told he could have waved my fees even after the account was closed. Prior to that he was going to wave my fees when I was at the other US Bank located on XXXX in XXXX, he asked XXXX did I have XXXX and he could wave my fees, I told them about my hardship and I did not have it, so she just said go speak with him, from there this is what I'm going through. They say I owe {$100.00} and because the account is closed their is nothing that they could do I would have to speak with a District manager her name is XXXX. I called her and left her several messages on XX/XX/2019. I had to do my own research they act as if they had no numbers in these people. I had to keep calling her and finally she reached out to me on XX/XX/2019 and I explained to her my issues she said she would call XXXX, and then call me later, of course I had to reach back out to her because it was getting late and I had not heard from her. XXXX returned my call and said it was nothing she could do only stating that she could give me the number to recovery so I can make arrangements to pay them back, having no care about my hardship, ashame!!!. Finnaly I just felt I was treated unfairly I had this account to over 20 years, when they were XXXX XXXX then XXXX XXXX now US Bank the worst, and I never closed my account due to all the changes, now this is how you treat your customers who's having hardship??? I put up with all the name changes now they giving me the run around having me speak to all these people only for them to not only close there door on me but to close out my account and well. I contacted the people who was the reason for my overdraft fees on XX/XX/2019 and they agreed to put the overdraft fees back on my card, and now they giving me the run around as to me finding out if I could use the amount towards my overdraft fees, what do I do with a situation like this? Especially when no one has the answers and I'm trying to clear up my debt that I had to knowledge of knowing about this amount until it was too late. I'm trying to get this issue resolved and now it getting worst and worst. I'm looking for better answers from real professionals, is that so hard to get???? I need some answers to why I have to go through all these changes and I'm trying to get my names cleared up, maybe USBank needs a class action suit as to how they treat their loyal customers, how about that!!! | ||||||
| 05/21/2015 | Yes |
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| RE : US BankTo whom it may concern : This letter is to complain about service I recently received from US Bank located at:XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. I recently opened a Small Business Checking Account with XXXX XXXX. Upon opening the account, it was explained to me that all checks deposited for the first 30 days will be subject to a 5 day hold. XXXX XXXX also asked if I would like " Over Draft Protection ''. My reply was " No, if the money is not available to me, I do n't want to be able to spend it ''. Reason being, I refuse to pay a fee, to utilize money that I do n't have. With this being said, when I opened the account I deposited {$120.00} cash. On XXXX XXXX 2015, I deposited {$1000.00} into the business checking account. ( 1 ) Check in the amount of {$1000.00} and the other {$80.00}. The very latest, these funds should have been available to me by XXXX XXXX, 2015. In the meantime, I attempted many times to create my online profile so I can keep track of my new account. I was unable to do so for 3 days, I then called upon the XXXX for assistance. I was on the phone with them for over XXXX minutes, passed from department to department finally to come to the conclusion that there is a " Hold '' on my account and my new Debit card is " Suspended '' in house. Meaning, the branch where I opened the account has placed a hold on the debit Card so no transactions can be done on the card until the branch lifts the suspension. On XXXX XXXX, 2015 I called XXXX XXXX to inquire about same. He acted as if he was n't sure how this happened, then stated the " Bank '' put a hold on the card and he would call to find out why and when this can be fixed. Meanwhile, I have no access to my account to see what is going on as far as transactions, etc. XXXX XXXX, 2015 I called to find out status on my debit card and the hold placed on my deposit. At this time, he says my account was overdrawn and the main branch has placed an additional hold on my account. I explained I still am not able to access my account online to see what has happened. XXXX XXXX stated he will print out a transaction history and will email it to me right away. He even asked if I can get email on my phone, cuz I explained I was working and not near a computer. Another XXXX goes by, I call XXXX XXXX again! I still have not received email. " I just sent it '' he stated. He then went on to explain that in the future, try to make XXXX large ATM withdrawal vs. many small withdrawals to avoid additional fees. Ok, thanked him and went back to work. I explained to him how I really need to set up my online banking so I can get my merchant account and direct deposits situated. Also, I have been running to the issuing bank, each time XXXX of my clients pays me with a check This is XXXX of the mere hassles I wish to avoid by having my own account. After reviewing his email over the weekend, I noticed that my account had incurred XXXX ( XXXX ) OVERDRAFT FEES in the amount of {$36.00} each, XXXX ATM DENIED FEES in amount of {$2.00} each and THEN A {$25.00} CONTINUED OVERDRAFT FEE. ALL DATED ON XXXX XXXX, 2015. The same day I deposited {$1000.00} at my home branch location!!!! ********Please also note, I have been in constant contact with XXXX the bank who issued the {$1000.00} check, and that check cleared the account on XXXX XXXX 2015!!!! It 's now XXXX XXXX and US Bank is STILL HOLDING MY FUNDS AND CHARGING ME DAILY IN OVERDRAFT FEES WHEN THE MONEY IS THERE!!!! REGARDLESS I had made a deposit to cover any withdrawals or transactions, REGARDLESS ... they have cleared the deposit on XXXX/XXXX/2015 and THEN CLOSD MY ACCOUNT AND STATED I CAN COME PICK IUP THE REMAINDER OF MY MONEY | ||||||
| 06/27/2022 | Yes |
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| I contacted US Bank ReliaCard on XX/XX/XXXX asking for a detailed transaction history to be mailed to me for the months of XXXX and XX/XX/2022. I also asked for a fax number in the event that I do have to file a dispute regarding any of the transactions, once I reviewed the information. The representative refused to give me the fax number after much debate I was transferred to another representative who willingly gave me the fax number and apologize for the previous representative he also explained to me that the representative I had just spoken with had canceled my card because of a transaction dispute however I had not yet filed a transaction dispute. That representative pretended to reactivate my card over the phone and told me not to worry the card was reactivated and it would work in an hour or so. On XX/XX/XXXX I filed a transaction dispute via fax using the phone number that was given to me by that second representative. I received confirmation that the fax was successfully sent via fax plus the XXXX fax service provided by XXXX. On XX/XX/XXXX I received provisional credits for a transaction dispute that I had not filed however had been filed by that first representative I spoke to all over the phone who just took the liberty of filing a transaction dispute for every single transaction that had already been completed on my account most importantly this did not include any of the transactions that they had pending for nearly a month. Ever since that day I have made countless efforts every single day to have ReliaCard send me an acknowledgment letter acknowledging that I had filed dispute for many transactions on my account that we're not included in this fraudulently filed transaction dispute that was filed without my knowledge. Now it is over 30 days later and I've received no such letter acknowledging that I've disputed nearly {$9000.00} in transactions and have received nothing but from the customer service Representatives I spoke to who have just proceeded to run me around and never actually provide me with any information since then. I received a letter from US Bank ReliaCard notifying me that they would be debiting my account for {$430.00} for the transactions that I called and told them we're not supposed to be part of my transaction dispute I never filed a transaction dispute for those transactions so they went ahead and took the money back that they had credited me with provisional credits for a transaction dispute that I never filed. The problem is is that this ultimately is hindering my ability to get money back for the transactions that I was disputing which some of them are involved in the transaction dispute that was filed without my knowledge and money not taken back for those provisional credits that I was given for those specific transactions which would shed light on the fact that I would have gotten my money back for all of them had they ever acknowledged that I've actually been disputing those transactions all to that merchant. I don't know how to continue because I have had as I said countless phone calls with these people who just refuse to give me any kind of proof that I've actually disputed any of the transactions. On XX/XX/XXXX I was able to reach a representative name XXXX who went through all of this with me and fixed not only submitting tickets for transactions which I did not choose to dispute and was letting them know that I was not intending on disputing those transactions and then she was also adding the transactions with the specific merchants that were left out of the transaction dispute that I filed via fax machine. I received letter in the mail confirming that conversation on XX/XX/XXXX. | ||||||
| 04/25/2023 | Yes |
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| Hello, I opened a checking account with US bank in XXXX, XXXX, & used the following promo when doing so : Open a new checking account by XX/XX/XXXX to receive your bonus, set up two or more direct deposits totaling at least {$3000.00} to earn {$300.00} or {$6000.00} or more to earn {$500.00} and enroll in online banking or the U.S. Bank XXXX XXXX within 60 days of opening your account. ' U.S. Bank is your trusted partner. Rest assured : We put trust, ethics and our clients first in all we do. We're proud to be named one of the World 's Most Ethical Companies by the XXXX XXXX for the eighth year in a row. Don't wait! This exclusive up to {$500.00} bonus ends on XX/XX/XXXX. Use code XXXX when you apply. Before opening the account I called US bank customer service to confirm I was eligible for the promotion they mailed me, and was told deferral representatives that I was, & went ahead and opened the account. I have called at least 20 times since then to confirm the promotion was applied to my account, confirm I met the requirements of the promotion, that I would wait up to 60 days after meeting the requirements to revive the {$300.00} promotion, & finally several times during the last week of XX/XX/XXXX that rest assured the funds will be deposited in your account no later than XX/XX/XXXX. When this didnt happen I called back again on XX/XX/XXXX to ask why and was told a ticket had to be submitted but I would receive the funds by Wednesday of that week. That didnt happened and I called back to inquire why, and was told another ticket had to be submitted because the previous tickets I was told were submitted actually were not. Finally a ticket was created with the case manger being : XXXX XXXX XXXX Customer Care SpecialisXXXX O : XXXX | M : | XXXX I was told not to worry that she would investigate and resolve the issue. I didnt receive any updates and called again only to be told that XXXX XXXX reviewed it and requested confirmation of my promotion. I explained that I no longer have it but could possibly locate a picture of it & submit that, which I did. After submitting the picture to XXXX via email I was told since the picture doesnt display the entire promotion and my name at the top, I was ineligible for the promotion and it wouldnt be applied to my account. I called back to discuss this with her on the phone but was unable to reach her and had to speak to a different representative. I asked how this is fair when I confirmed my eligibility before opening the account, ensured the promotion code was applied to my account, & have been working with the company for several months to confirm Ive met all the requirements of the promotion, and to rest assured that the funds will be deposited into my account, again with the most recent promise being XX/XX/XXXX, only to now be told I wasnt eligible for the promotion. The representative stated that their is no way they can confirm a customer is eligible for a promotion or not, anyone could share those codes with others, and she wishes she had a magic button she could push to fix it but she cant. I asked if there was anything they could do, or apply any current promotions and was told the same thing. I then brought up submitting a formal complaint with the CFPB and possibly contacting a lawyer, & still nothing could be done. Please help. This is a horrible experience and companies shouldnt be able to promise promotions to their customers only later to find out theyre not applicable, & to be treated so poorly during the entire process. I truly help youre able to help me, provide better training for those employees, & try to prevent this from happening to others. Thank you! | ||||||
| 03/21/2018 | Yes |
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| On the XX/XX/XXXX this year ( XX/XX/2018) I noticed that the credit card I took out in XXXX of last year had been accruing interest. I immediately thought this must be a mistake and called the bank to clarify why I was being charged interest and made clear to them, as it was made clear to me ( initially through an online advertisement and confirmed by a US Bank agent over the phone ) before I applied for the card that I would be under a 0 % interest plan for the first year. I was advised to reach out by fax to their compliant department at which point I sent the following fax : -- -- -- -- -- -- - Fax number XXXX Name account number Detailed description Sign and date Name : XXXX XXXX Card number : xxxxxxxxxxxxxxxx To whom it may concern. In XX/XX/XXXX of last year I applied for a XXXX XXXX XXXX card under the impression from both online advertising and a conversation with a representative of US Bank that I would be under 0 % interests rate for the first twelve months. I neither recorded the conversation nor did I bookmark the website where the twelve month promotion was advertised. Nevertheless I have since found an article online that reflected the same exact deal. ( XXXX XXXX XXXX ) also contacted the author through email and she has again verified, as I am confident, that her article reflects truthful valid and unambiguous information when stating the 12 month 0 % interest. I have now three points of confirmation regarding you promotion of twelve months 0 % interest rates. Twice before I opened the card and this author again confirming after the fact. I would frequently check my online app to look at my charges and had not once seen an interest charge. So you can imagine it came as a shock to me when I saw an actual statement yesterday with both interest charges and fee charges. Please help me correct this issue as Im confident that the interest and fees being charged to my account are a mistake on your end. I believe that this issue can be resolved quickly, easily, and retroactively by yourselves and without me having to seek outside counsel. Regards, XXXX XXXX -- -- -- -- -- -- -- -- - Today it has been two months and I have yet to receive back a correspondence from them regarding this issue. What's most concerning is that this type of promotion is very common and every time I've had a chance to speak to US Bank 's customer service reps and supervisors they've been adamant in their opposition to help me remedy the interest accumulations ( which are now as high as {$600.00} ). Their arguments point to the fact that I have no defense since my complaint came 90 days after the opening of the account ( I'm about 30 days past when I originally noticed the mistake, and the XX/XX/XXXX and XX/XX/XXXX statements ahd no interest so I just didn't worry about it ) and that their promotion does not apply to me since they did not reach out to me directly, ( although this was not made clear to me in their online promotion and it explicitly explained to me over the phone by their rep that I would not be charged interest for the first 12 months ). I would like to reiterate they have a tape of the conversation wherein a rep assured me of the 0 % interest for 12 months but I do not. Here is the link not to a similar advertisement as the one I saw when I was first interested in the card. XXXX XXXX XXXX This whole situation feels very unscrupulous on the part of the bank, very much like a bait and switch situation. Please help me as this situation, it would be reassuring to know that when companies act unethically my government will serve to help as best they can. This is my last recourse. Thank you. | ||||||
| 05/05/2016 | Yes |
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| Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been married to my wife for almost XXXX years. We have XXXX grown children. My complaint and appeal here is done in only about XXXX pages. Please just allow me the time to ask some important and provocative questions... How does an older couple like us remain in a home for 6 years without making even one house payment to the bank that is foreclosing on us? Is it because WE have some sort of power to prevent a foreclosure? Really? How is a couple like us able to stay living in that home even though the bank has had 6 years to help us do what we have been begging them to do... grant us an affordable monthly payment so we can stay living here? How is it possible that after 6 years of trying to stay in our home, and after not making one payment during this whole process that we were told they were helping us find an affordable payment... our bank discovers at the last minute... I mean 5 years into this whole disappointing process... that there is an IRS lien on our home? Am I absolutely crazy to think that that is something they could have known and should have known this whole time they were supposedly trying to get us an affordable mortgage? How come we have had to endure faxes and emails and phone communications from XXXX, XXXX and XXXX XXXX, XXXX, etc. as our only way to resolve our issue... when I have begged the bank for a face to face meeting with someone, anyone, so we could fully understand what they wanted from us, and what our full options were, so we might be able to save our home of 22 years? How come during this whole process, we have had over XXXX so called " relationship '' managers? " Relationship '' managers that could never see all the details of our application when we would try to talk to them about our history or educate them on our dilemma, but repeatedly told us that they could only see back to 3 months activity? How come, right in the very middle of seeking a new mortgage to save our home, we were told, that ALL our documents were lost? YES ALL OUR DOCUMENTS WERE LOST!!! When we confronted US Bank about this being their fault and not ours, they not only made excuses about this being commonplace because they handle XXXX 's of these cases, and then they flat out denied that all our documents were ever lost, even though I have the proof and the recorded calls that will prove it? There 's so much more to ask BUT I want to end this and beg you for your support and reliable investigation of my questions here. We have been living here and hoping that by working with the bank, we could find a way to pay for and keep our home. I have offered to pay what I owe if they reduce and or forgive the penalties that they have caused, that they are responsible for, not me, and we will continue to pay for our home to them, in good faith, as we were assigned to and agreed to do. I am asking that we be able to return to our original debt and set up a 30 or 40 year payment plan and we will comply and we will be able to keep our home. We need to see US Bank step up and admit that this has taken wayyyyyy to long and that it 's not our fault!!! We have NO power! We have not been the ones to drag this out as long as it has been! We have NO power! US Bank has the power! US Bank can stop this foreclosure and allow us to keep our home! Please help us stop US Bank from proceeding to foreclose on our home. Please look at this case and see if I am telling the truth! See how long it has been since we started all this. This nightmare for us can become an opportunity to keep our home if you help us. Please. Please. Help us. Sincerely, XXXX XXXX | ||||||
| 09/16/2021 | Yes |
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| In XX/XX/XXXX, I applied for a HELOC with USBank. After a long process of submitting numerous documents verifying income and assets, I was told that our income and asset evaluation was complete and approved, so they would be moving on to the property evaluation. I explained that I had a certified appraisal from XX/XX/XXXX, just 4 months old, and the USBank employee indicated that they had to conduct their own appraisal. An appraisal was scheduled with XXXX XXXX Appraisals, which I learned is a wholly owned subsidiary of USBank. I met the appraiser at my home and toured the home with him. I provided a copy of the appraisal that was conducted in XX/XX/XXXX, to the appraiser. I received a copy of the appraisal from USBank approximately 10 days later and the value was {$86000.00} less than the appraisal from XXXX, despite a real estate market that is escalating rapidly. I reviewed the appraisal in detail and had major concerns with what was included in the appraisal. I am a licensed real estate agent and have worked as a real estate agent for 20 years. I contacted the appraiser and asked specifically about the comparables that were used, all of which were valued considerably lower than several other direct comparables to my property. One of the selected comparable was nearly 8 miles from my property while there were 3 other direct comparables that were less than 3 miles from my property. The appraiser would only say that those other properties do not 'bracket ' the features and condition of my property. That is a false statement. I have been inside all of those homes and they are very, very good comparables to my property. The appraiser further stated to me that he had to find a comparable with an 'unfinished ' basement because my basement is unfinished. That is not an appraisal standard that I have ever heard of, nor is it published. It is common knowledge among appraisers and real estate professionals that finished square footage above grade is more valuable than finished square footage below grade. My property has equal to or MORE square footage than comps in this area despite the fact my basement is unfinished. So, that means that my above grade square footage is substantially more than that of similar properties that sold for far more than the comparables that the appraiser chose. It is my belief that USBank deliberately undervalues properties for Home Equity Lines of Credit so they can charge a higher interest rate and more fees when the loan to value increases. Therefore, increasing their revenue. USBank disclosed to me that the appraisal process they use is in accordance with Uniform Residential Appraisals and the appraisal was reported on a Uniform Residential Appraisal form. However, the process utilized was not in accordance with uniform appraisal standards. I, subsequently, forwarded a copy of 2 appraisals of my property. One was from XXXX, more than 6 years ago and the value was {$860000.00} and the other was from XXXX, only 4 months prior to this appraisal and the value was {>= $1,000,000}. Despite the appraiser having this information, he valued the property at {$940000.00}. I believe, if investigated, it would be discovered that USBank manipulates property valuations in order to control what they lend, to whom they lend and at what rate and fees they lend. In is a shock to me that consumers are subjected to a valuation process, with current fair lending laws, that is controlled and owned by a lender. I lived and worked through the mortgage crisis of XXXX - XXXX and given the resulting lending law changes and controls, this is outrageous that USBank still chooses and is allowed to do business this way. | ||||||
| 12/29/2021 | Yes |
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| Credit card is from usbank. The moving company is XXXX XXXX XXXX located in XXXX Mississippi Date of moving XX/XX/12 to XXXX. They damaged many of our house goods and never provided us with insurance information. They never used packing materials and they charged me for that around XXXX. I know now that only document they gave me was a poorly made contract that doesn't have all the required documents by law. Charge for moving was for XXXX. They made multiple charges to my card without invoice or itemized bill. No inventory was done. It looks like they forged my signature on the multiple invoice charges which they never sent to me or explained. This business has F rating in XXXX and has pending insurance cancelation per DOT. They rented a small u haul trailer to fit in the rest of our stuff which costs XXXX dollars and are charging me XXXX. They are charging me around XXXX for storage in transit without letting me know in advance and they drove overnight in same truck to deliver our things. They never provided me with any documents during the loading and unloading. They have multiple complaints send to attorney General office in Mississippi which I have also sent a complaint to them. Dispute XXXX fuel surcharge Need to have detailed receipt about this expense. XXXX packing materials. Need specific and detail Received about different types of packing materials used. Based on their price list XXXX XXXX storage in transit. Needs specific details about where they had the storage and the expenses made. Receipt. XXXX Need complete itemization of what does moving services is, specifics and receipt for the trailer what kind of trailer. XXXX need detailed invoice regarding this charge. Also by law need insurance information. They didn't provide me with bill of lading Options for more insurance coverage inventory check loading and unloading. Binding estimate which by law they should have extended this documents. I need and demand that as my bank you provide with me evidence from this company like documentation receipts detailed itemized bill of all the charges documentation evidence that they send me the invoices and that I signed them physically because I have never received those invoices or further documentation from XXXX XXXX XXXX and I have never signed this invoices or authorized any charges beside the initial deposit of XXXX dollars. If you as my bank don't have that information evidence supporting documents receipts from this company I will not pay any charges and I have my rights as the client not to pay under this shady circumstances. I request that this charges be removed from my usbank credit card unless you have further real solid evidence from this company and then provide that information to me. This are unauthorized charges that I will not pay as explained above. Department of transportation which I have filed a complaint as well against this company has stated that the contract which was the only document extended to me is ilegal. This company was shut down in the past because of deceptive business practices and reopened with a different name. By the department of transportation this company can not operate Interstate. This company has been operating intrastate illegally. Usbank favored this company even though is operating illegally and only document they have is this invoice in which this moving company forged my signature. They have no other document or evidence or details from this company. Usbank put the unauthorized charges back to my credit card. I have sent complaint to department of transportation attorney General office XXXX Mississippi at XXXX XXXX XXXX and report to XXXX police. | ||||||
| 02/02/2022 | Yes |
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Web | Servicemember |
| XXXX is charging for X-box live and I have tried to cancel the account and charges through them. They require that I respond to an email sent to the email on file to cancel the account and you can't cancel the account any other way. The account was setup years ago and a request was made to cancel it back then when the device to use it on was disposed of. We were told the account was canceled then so we believed it was resolved. However, a year later we are still being charged so we tried to cancel it again. Unfortunately the company providing the original email service is no longer in business and access to the email address is not possible. Given this XXXX will not let us cancel the account. They told us there is no recourse since they can't validate we are the actual account holder as their cancelation policy requires. So we went to the credit card company and in XX/XX/XXXX they told us they would cancel the existing card and re-issue us a new card. This would stop the charges. One year later they allowed the charges to go through again. So I contact XXXX again and asked if there was any other way to cancel the account and was once again told no. Only by responding to an email sent to the original email the account was started on to validate the account holder can we cancel the account. In XX/XX/XXXX we again went to US bank and told them we are not getting the goods or service XXXX is charging us for nor are they allowing us to cancel the account. So they once again told us they would cancel the card and issue a new credit card with a new credit card number. XXXX year later same issue. So I emailed them and wrote out all the issues we were having with XXXX and how we had tried to get US bank to stop the charges as well. We got a letter telling us that they do not stop re-occuring charges that we have to go to XXXX to get them stopped. However given the circumstances they notate our account to not accept charges from XXXX but this would mean we would not be able to buy goods or services from them with our credit card. Obviously by this point we were ok with that. One year later again we get charged. Again we get told even if we can't get a creditor to stop a re-occuring charge and we are not getting the goods or services they are charging us there is nothing the bank will do to block the charges. I felt I had no choice but to cancel the account and they are sending me a confirmation letter that it was canceled. It clearly states in the consumer credit protection act that a credit card company can revert the charges or stop them if we are not getting the goods or services as promised by the creditor and still US bank refuses to do just that. Essentially if a re-occuring charge is started on a credit card there is no way to stop it. The provider whom the charges are coming from doesn't have to stop charging the card and the bank has no desire to stop the charges. XXXX there are no protections for a consumer since both the service provider and the credit card company are working together to stop the cancelation. In XX/XX/XXXX I asked to cancel the card then but they sent me to a cancelation group as they put it who outlined all the reasons I should not cancel the card and spent 20 minutes telling me all the ways the bank is helping me and how they could block the creditor so I let it go one more year. This year I told them I don't care what they say I am not listening cancel the account period. We shall see if they send me the letter and or I get charged again for the XXXX services I am not receiving. I have very little confidence I will get the letter and am 90 % certain I will have to fight to get the account closed. | ||||||
| 09/26/2019 | Yes |
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| Called Us Bank customer service ( XXXX ) at about XXXX on XX/XX/2019. Spoke with a customer service advisor regarding a Mortgage Statement dated XX/XX/2019 for account XXXX XXXX. US Bank Advocacy, XXXX XXXX XXXX, XXXX, MN XXXX. The issue is that this statement shows my mortgage payment as being past due on the 6th of the month. I have a receipt showing it was paid on XX/XX/2019, which is within the contracted grace period which is between the XXXX and XXXX, as is seen in the Federal Truth In Lending Disclosure. Customer Service person stated that this is a new process and that the Mortgage Statements print date is on the XXXX of the month. Whereas, past Mortgage Statements, were generated the same date that the mortgage payment was received with a breakdown of my mortgage payment. The customer service rep said that under contract the mortgage is due on the First. She further went on to say that the Statement was issued on XX/XX/2019. In other words the mortgage is considered past due regardless of the 15 days grace period, provided for in the loan documents and justifies a late fee. I reiterated that the mortgage documents have a grace period up to the XXXX of the month before coming past due or being charged a late payment ( Truth In Lending document ). This practice is an attempt to persuade me to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions, by not allowing me a grace period of up to the XXXX of the month to pay my mortgage without having to pay a past due fee. This is contrary to the loan documents. This Mortgage statement from US Bank was received on the XXXX of the month by me, even though dated XX/XX/2019. The Mortgage statement sent out on the XXXX does not reflect my mortgage payment that was received by US Bank on the XXXX of the month and thus does not show the breakdown of the mortgage payment received by US Bank on the XXXX My mortgage statement shows a past due amount on the XXXX and suggests US Bank going to take late fees from the Mortgage Payment paid on the XXXX? This is what they did in the past even if I had documentation that they received the payment before the XXXX. This is what is causing me undue pressure and stress, US Bank taking my money and showing that I pay my mortgage past due, charging past due fees and not allowing me the grace period between XXXX thru the XXXX to make this payment. This is contrary to their loan documents obligation. The mortgage payment is due on the XXXX of the month, but should not be penalized if I pay the amount due within the grace period provided for in the loan documents Federal Truth in lending disclosure, which grace period ends on the XXXX of the month. Been having similar issues with the servicing of my loan since I received the loan. At first sent my payments to XXXX XXXX, where they said to mail it, and they would not post receipt of my payment upon receipt, but rather days after. Ignoring the prompt crediting rule. The mortgage payments were sent by priority mail to track the date the payment was received by US Bank, and supports this assertion. After months of conversations with customer service it was decided to just pay my mortgage, in person, at the local branch, which I have been doing. Have not received a periodic statement showing the breakdown of my payment made on the XXXX of this month, since the past due statement went out on the 6th of the month. This ongoing and continued harassment continues without any resolution, has cause lots of stress and pressure. This is why I am reaching out for help. Never missed a payment and have always paid within the grace period provided for in the loan documents. | ||||||
| 07/30/2015 | Yes |
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Web | Servicemember |
| The FRAUD that occurred from an account that was OPENED FRADULANTLY was a House mortgage account. The YEARS put IN CLEARING AND CLEANING UP MY CREDIT ARE TO BE ACCOUNTED FOR SERIOUSLY not VIOLATED, ABUSED, HARASSED, scammed, NOR FALSELY REPORTED. U.S. Bank and Home mortgage HAS SEVERAL VIOLATION 'S TO CORRECT, ADDRESS AND STOP running to the FDIC for bailouts on FRAUD SCAMS to manipulate and abuse THOSE FAMILIES WHO HAVE BEEN OF SERVICE TO THE UNITED STATES Military. THOSE INVOLVED AND CONNECTED ARE AS LISTED : XXXX XXXX XXXX , XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXX ; Plus XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX, phone XXXX XXXX XXXX, XXXX XXXX XXXX ; Plus XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXX ; Plus XXXX./Plus XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX phone XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX. XXXX, phone XXXX XXXX XXXX ; U.S. Bank Home Mortgage, XXXX. XXXX XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXX Ext. XXXX Relationship manager/XXXX XXXX ; U.S. Bank Home Mortgage, XXXX XXXX XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXXU.S. Bank Home Mortgage, XXXX XXXX XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXX XXXX U.S. Bank National Association , XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX, phone XXXX XXXX XXXX. EACH agency/bank/nonbank IS CONNECTED IN FRAUD BY association/accomplice ILLEGAL USES OF HARRASSMENT 'S, THREAT 'S, ABUSES, ILLEGAL FEE 'S, FALSE representation, FALSE marketing, BRIBERY, FALSE Reporting, Discriminating, Racial Profiling, FALSE Documentation 's FALSE CREDIT REPORTING, FALSE ILLEGAL with NO WORK PERMIT 'S Building SCAMS, FALSE Reporting to Courthouses. Holding OR SHREDDING MONEY ORDER PAYMENT 'S, NOT REPORTING YEAR 'S OF PAYMENT 'S MADE TO SO CALLED Mortgage Companies, Placing FAKE Document 's at Courthouses, FALSE Picture 's taken of properties, OVERLY CHARGING FOR INSURANCE COMPANIES SAYING mortgages where VA APPROVED at one Time, THEN Bearing FALSE witness saying it is NOT VA APPROVED later - KNOWING THAT THE VA DOES NOT TOLERATE Houses that ARE TO HAVE BEEN CORRECTLY INSPECTED, APPRAISED AND APPROVED TO BE SOLD PROPERLY, YET WHEN THE REPAIRS OR CORRECT FIXES WHERE NOT RELEASED AS APPROVED THE house WAS NOT HANDLED CORRECTLY - THAT IS FRAUD!!!!!!!! TAKE MY NAME AND RECORDS OFF OF EVERYTHING. I Want NO PART OF LAWLESS, LOVELESS EXPLOITATION, FRAUD, WASTE, ABUSE, SCANDAL, MONEY LAUNDERING, RACKETEERING, White/Blue Collar CRIME. This house DID NOT PASS INSPECTION 'S, APPRAISAL 'S NOR ANY REAL Documentation 's, there ARE TOO MANY ILLEGAL VIOLATION 'S, From the FALSE robo signing filing AND BRIBERY THAT WENT on LONG BEFORE moving in Here. DURING the XXXX here in XXXX, There were TOO MANY ILLEGAL THINGS THAT occurred in the housing industry THAT ARE NOW BROUGHT TO Light, EXPOSING FRAUD. THE MASTER Bathroom HAS NO HEAT, NO AIR CONDITIONING, NO WATER IN A XXXX ' X XXXX ' ROOM The electric Power/Electricity Surges and has Broken My Refrigerator/Freezer in the garage. The Power/Electrical surges are off and in random places throughout the house. The plumbing in the main hallway leaks, in the winter the flooring is cold as the house is up on a crawl space. The house was a re-do that did NOT HAVE LEGAL CONTRACTOR 'S. The master bathroom HAD NO BUILDER 'S PERMIT WHEN THAT ADDITION WAS BUILT ONTO THE HOUSE. The re-do of the master bathroom ILLEGALLY redone. ALL DOCUMENT 'S FOR THIS house IS FRAUD!!!!!!!! There are TOO MANY INCONSISTENCES THAT WERE INQUIRED ABOUT BEFORE going to the closing in 2012. | ||||||
| 04/06/2019 | Yes |
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| I had my SUV taken to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, phone:XXXX on XX/XX/XXXX to just set the timing on a new distributor I installed and do not have the tools to set the timing, or know how. It had no operational problems and only XXXX miles on it. When I got my vehicle back along with charging me for shop supplies for unknown reasons for a total of {$200.00} after be given a price of only {$180.00} for this service, I discovered it had all types of driving issues as the following : Not starting well, stalling in traffic, now power, RPM revs up to 4000 at 40 m/hr., rough idle, making a loud thumping sound when silent before, and at wot it will not go any faster than 50 m/hr. on the highway, and now the check engine DTC says PO300 meaning all cylinders are misfiring from what they told me. I emailed them about these problems on XX/XX/XXXX ( XXXX ) but never received a reply. On XX/XX/XXXX I noticed the cap on the distributor was lifted up. I discovered they overtightened it and broke off the screw in the casting, and broke off the hold down mount. I have a photo of damage. I then reported the problem to my credit card with a fax number of XXXX. I got a reply back from the Cardmember service ( have copies of everything ) first saying I will not win my case then requesting I go to another garage to get a second opinion and have them fill out this unreasonable letter saying it was the other saying it was the other merchants fault. I did and found out that XXXX switch my plug wires between 3 and 5 which XXXX XXXX XXXX shown me with their scan tool like XXXX used as well. The manager at XXXX indicated to me it was a case of fraud. I asked him to fill out this letter from the credit card and he refused saying he did not want to get involved. I had all the plug wires numbered which matched the numbers on the distributor lid. When XXXX fixed the problem and the car now runs perfect I noticed the numbers were switched. I pulled off the plug wires after noting that was not my had writing since I use special drafting methods of making number and seen my original numbers were still on the back of them so I would not notice they switched the wires and wanted me to spend an additional {$200.00} to locate the problem and replace spark plugs. The merchant XXXX did not have to fill out one of these letters, request a affidavit, or deposition from them. Since the US Bank , Bancorp credit card division is a federally regulated national business entity this is a public company by definition. They then are subject to federal laws and amendments. Since Cardmember service will not follow the federal act Fair Credit Billing Act passed in 1975 for not as described intentional merchant fraud, and bad repair service, I should not have to pay this fraudulent charge, nor pay any interest since it has no statute of limitations I just read. Likewise, they are violating the 5th and 14th amendment to the constitution because I told them to subpoena XXXX auto manager and mechanic since they do not want to get involved in what was done to me, nor did Cardmember service give, or offer any proof why they denied my claim beyond not getting the letter they wanted, affidavit, or take a deposition from them. This is violating then due process without getting this information beyond this unreasable letter they gave me to give to them. It was under Cardmember Service claim # XXXX. I also told Cardmember service that I filed a criminal complaint for fraud with the Missouri Attorney Generals office MO Attorney General Complaint Confirmation XXXX. There manager did not care even telling them it violated the Fair Credit Billing Act of 1974. | ||||||
| 03/25/2023 | Yes |
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| I have already submitted claims highlighting issues with how Funds was taken via bank account linking and yet US Bank has failed to resolve the matter. I had to resort to going back and checking the legal requirements. Legally The maximum loss sustained by a customer should be no more than {$500.00}. Yet I lost {$9500.00} XX/XX/XXXX and XX/XX/XXXX. Similar transactions on XX/XX/XXXX was credited. This does not make any sense and is illegal. I had a chat with my branch manager and he reassured me that I will get my money back. He called Fraud Department and they asked him to refile the claims. He did. This was on XX/XX/XXXX. Since then I have called Fraud few times as of my last follow up. The person said I will get a generic letter stating my claim was denied and marked and duplicate. I also asked the person for investigator 's report on reasons for this. She said they can not do that. As a customer I have a right to know why some claims were approved while others were denied yet they are all Fraudulent transactions made to to an external account. Now All this has lots of legal issues. 1. Disclosure was not sent to me when account was link 2. Disclosure was not sent to fraudster. 3. I am limited to my losses because this is Fraud and is covered by 1978 federal rule called Regulation E for electronic funds transfer. 4. Aside from legal issues with the process it has has security lapses on many fronts. 5. Once user logs in the person should not be elevated to most privileged where they can do anything. Also user should not allowed to log in from another location IP and not have 2FA sent to the mobile device. Please note emails alerts are less secure than SMS for ex when someone takes over your email god forbid then they have it all. Also emails as noted by US Bank stuff usually end up flagged as SPAM, Let me note by saying everything I call US Bank they have told me emails will be sent please search your SPAM! Now when these email alerts were sent I was not expecting the emails so obviously I did not look into SPAM. ONLY way I found out as noted before was logging in that one night. Under a 1978 federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, The Bank is supposed to hand over. Here is the link outlining liability for the customer. https : //www.consumerfinance.gov/rules-policy/regulations/1005/6/ Guideline were not followed when account was linked again this does not follow legal practice as stipulated under the act. ( a ) Conditions for liability. A consumer may be held liable, within the limitations described in paragraph ( b ) of this section, for an unauthorized electronic fund transfer involving the consumer 's account only if the financial institution has provided the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued. Here is another link on E Transfer regulations. I was baffled and thought we had no regulations or act to protect customers from Bank Fraud in regards to E Transfers hence I had to do more research. IMO US Bank fraud department needs to be better trained in this regards and not be reading off a script to give a silent treatment to their customers and expect customers to GIVE I NEVER GIVE UP ITS MY HARD EARNED MONEY THAT SOMEONE STOLE AND US BANK SHOULD BE MORE RESPONSIBLE. | ||||||
| 05/04/2022 | Yes |
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| We purchase this Prepaid XXXX debit card on XX/XX/XXXX and other in preparation for a trip we were taking to XXXX XXXX in XXXX. The purchase amount on all cards was {$100.00}. Soon after purchasing the cards I always register the cards in my name and document the card ID that is given to me for the specific card. We took all the cards on our trip but when we were there we tried to use them and found out that all of them had been scammed. Some of the cards were used and 2 different locations and the total {$100.00} gone. The card in this complaint I was unable to use and when I called on it I found out that the name had been change out of my name and into some one else 's and Prepaid XXXX wouldn't tell me who. Most of the agents I talked were very hard to understand because their English was terrible and if you ask to speak with some one you can understand they get very offended they say they speaka English very well but they refuse or don't have anyone available who English is their primary language. So anyway, when I told them that was wrong and that I had the card ( card # XXXX XXXX XXXX XXXX, card ID XXXX ), original packaging and receipt they told me to get copies of all that information and a copy of my driver 's license and sent it to them. I was unable to do that until we got back from our tip. Once back I call to verify that what had been told to me about some one else 's name was on the card now they say that was true. They were very helpful in the beginning. So I copied/printed all the information they requested and mailed it to them and waited, that was XX/XX/XXXX. I called back often but they kept saying they never got it. One person said they got it but it was unclear when I pressured them to find out what was unclear they changed their story to they just never received it. So trying to be understanding I mailed in all the information again, that was XX/XX/XXXX. Again I called to check on the status but got no where. All this time I kept trying to get a supervisor to try an actually get some help. On XX/XX/XXXX I reached a XXXX who said he was a supervisor and he seemed to be wanting to help. He said he was escalating this issue and gave me a ticket # XXXX and for me to give it a little more time and the issue would be resolved. I waited but nothing happened. So on XX/XX/XXXX I called but was told that there was no such ticket number and they had never gotten any of my information. I was told to fax the information but I don't have a fax machine and in my little town they are not easy to come by. So on XX/XX/XXXX I was able to find a fax machine I could use and I enlarged all the documents by scanning them into my computer and then printing them off XXXX. I wanted to make sure that if they were faxed they would be big enough for any one to see. Also by faxing them I would get proof that the documents had been sent with a fax report. I called today XX/XX/XXXX to verify that they got the documents. They said they got them but couldn't read them. I asked to speak to a supervisor about this but the agent refused. I have had enough! I am tired of them playing this game and refusing to help. In the last year we have had to dispute numerous cards that have been hacked and misused for {$700.00} or more. I was told during one conversation that this had been happening to a lot of people. For example, a bunch of our cards were used at a XXXX XXXX XXXX in XXXX, IL for a small amount then 2 days later the rest of the card was used at a XXXX in XXXX, NV all the while we were in XXXX, FL. Those cards for some reason when we disputed them Prepaid XXXX issued us new cards with the full amount taken on them. | ||||||
| 07/10/2020 | Yes |
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| My wife XXXX " XXXX '' XXXX and I, XXXX XXXX, use US Bank as the lender to purchase a condo in Connecticut. Given the current COVID-19 situation, we made an offer on XX/XX/XXXX, with a loan commitment date of XX/XX/XXXX and closing date of XX/XX/XXXX, based on the suggestions from our loan agent XXXX XXXX ( NMLS # XXXX ). We have been very responsive in preparing all required documents requested by US Bank and have been constantly checking in to learn whether anything is missing or needed on our ( the borrower 's ) end. The home inspection and appraisal went on well without any delay. However, the loan processor, XXXX XXXX XXXX has neglected our contacts several times, made unnecessarily delays on both loan commitment and closing schedule, and refused to provide a conditional loan commitment letter without explaining the reason. We feel what we have experienced need the attention from a third party like CFPB because US Bank provides no complaint channels except through the loan agent XXXX XXXX and processor XXXX XXXX. Yet they keep neglecting our requests and delay the response, dodging responsibilities, which made the loan closing process painful and with tons of uncertainties to both buyers and sellers. The COVID-19 might bring some understandable delays, but it should not bring neglect and unprofessionalism from such a national-wide financial institute. Notes : I've authorized my wife XXXX " XXXX '' XXXX ( cellphone XXXX ) to handle the email/phone communication with the lender. And she is also the buyer of the condo we're purchasing. Timeline ( all timeline events could be verified by email/phone records, major email exchanges have been attached ) XX/XX/XXXX, XXXX, XXXX ( email ) XX/XX/XXXX ( phone ) - buyers check in the status of the loan commitment without any response XX/XX/XXXX XXXX EDT - less than one business day before the loan commitment day, XXXX, lender processor called to request tons of documents as the prior ones are out of date. XX/XX/XXXX XXXX EDT - US Bank client portal sent request to upload to buyers. XX/XX/XXXX XXXX EDT - buyers got all required updated documents uploaded per request. XX/XX/XXXX - original loan commitment day, two emails and two calls sent by buyers, no response till almost the end of the day XX/XX/XXXX XXXX EDT - lender processor suddenly informed that title, insurance, and condominium approval are still missing XX/XX/XXXX XXXX EDT - insurance and condominium approval have been sent by buyers. The insurance proof and agent contact info was previously sent de facto but the processor didn't pay any attention. The lender never asked for condo approval previously. XX/XX/XXXX XXXX EDT - buyer 's attorney office informed that the title has been sent to the lender XX/XX/XXXX - buyers noticed that the processor XXXX would be out of office between XXXX XXXX and asked for whether there is anyone else in her team as her backup, got denied. XX/XX/XXXX - buyers checked in by email after the long weekend, no response XX/XX/XXXX XXXX EDT - lender processor admitted that missed the call and didn't reply email, no more progress compared to XX/XX/XXXX XX/XX/XXXX XXXX EDT - lender processor informed the buyers that up to 10 business days is needed now, couldn't meet the closing date goal, and couldn't rush the process. XX/XX/XXXX - two emails and two calls sent by buyers to check-in ( 1 ) whether a conditional commitment letter, long time overdue, could be sent to inform the seller side regarding the delay ( 2 ) any comment on how many days roughly the contact needs to be extended, no response from the lender XX/XX/XXXX - buyer had nothing to do but had to contact CFPB | ||||||
| 03/24/2021 | Yes |
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| XX/XX/XXXX, XXXX Purchased a preowned XXXX XXXX from XXXX XXXX XXXX ( South Carolina ). The bank Financing the deal was going to be US Bank. I closed that day and signed one contract for the loan. XX/XX/XXXX, XXXX I received the loan documents in the mail in two separate envelopes. They had opened two loans for one vehicle in my name. XX/XX/XXXX, XXXX I called US Bank and XXXX XXXX XXXX making them aware of the issue. The bank informed me it would be fixed withing 5 business days and not to be worried it should be an easy fix. I told XXXX XXXX XXXX what I was told by the Bank and he thanked me for calling and said they would see what happened and use it as a training tool. XX/XX/XXXX, XXXX The loan had not been fixed and I called the bank back again. I was told there was no note of my initial call on file and that he would have to open a direct complaint and he assigned me to a case manager. Told me whenever I called ask to speak with her and she would be my go to person. And again that the problem would be fixed withing 3 days. The bank had also informed me it was the dealers fault and my contract had been submitted twice and that the dealer would need to call and have it corrected. Being that I only signed one contract I find that odd. I also called the dealership and they told me they would call me back and let me know what was going on. XX/XX/XXXX, XXXX Called the dealership back again and the guy I spoke to seemed like it was the first time he had heard of the issue and acted with a little more urgency than the previous two. He had the Director of Finance call me and the director of finance call me, he told me there was a glitch in the system and that he would have it resolved within 3 days. He informed me he was in contact with his representative from the bank and it should get resolved quick. XX/XX/XXXX, XXXX I called the finance director at the dealership again because I had heard nothing from them. He informed me he was busy and had XXXX 's of customers to take care of but he promised me he was working all day to get the issue resolved. Told me he was waiting for the Representative from US Bank to call him back with a resolution. But he would have me an answer by the end of the day on XX/XX/XXXX. XX/XX/XXXX, XXXX Never heard back from the Financed Director from the dealership from the XX/XX/XXXX phone call. Called US Bank again and they told me that the dealership had Submitted the paperwork twice and the dealership would have to call and get it resolved. Called the dealership again and they had informed me the bank had made a glitch and that they needed to inform the dealership on how to fix it. Called the bank back trying to speak with my case manager they had assigned me to and was told they don't have that department and that the dealership need to call them. Tried to call the Finance Director from the dealership to ask him what was going on and they told me that he was in meetings all day and would not be able to speak with until the end of the day. Called the bank back to try and get it resolved again telling them I had a fraudulent loan in my name and it needed to be canceled and the person said he would connect me with dealer support to get it fixed. I couldn't speak to anyone in dealer support because I didn't have a dealer number. XX/XX/XXXX, XXXX First payment is due and I still have the two loans on my name. I called the Finance Director again asking if he knew which account would be the active one. And again he didn't know he was waiting for the representative to call him back and let him know which loan would be deleted. He again told me he would have it fixed in 3 days. | ||||||
| 06/12/2019 | Yes |
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| This complaint is in regards to a denied fraud claim in the total amount of {$13000.00} in Unauthorized charges from XX/XX/XXXX to XX/XX/XXXX with a credit card that was never received or activated by me. Credit Card last used was XX/XX/XXXX which expired on XX/XX/XXXX, And the new Updated with new expiration Credit Card was never received or activated by me. Also not Overseeing charges due to without my consent, knowledge, or request Cardmember Services changed my manual payments which last manually amount paid was XX/XX/XXXX and without my request or authorization on XX/XX/XXXX automatic payments were set up by Cardmember Service which paid the Statement Balance Due each Month with my us bank checking account. CardmemeberService made these changes after issuing a refund on XX/XX/XXXX from my account due to the prior fraud claim. Which was a different complaint I had filed as well with CFPB back on XX/XX/XXXX with a complaint of Cardmember Services denying my claim? Only after Cardmember Services investigator, without my knowledge, or consent changed the billing address I had on file replacing it with the shipping address were unauthorized charges were being shipped to only for the benefit of cardmember service not having to approve my claim. Well Cardmember Services also is providing me with incorrect answers as why my claim was denied ( Letter 1 attached ) Received letter from Cardmember Service and determined there were authorized transactions reported in my fraud claim, exact investigator words THE CARD WAS USED BY AN INDIVIDUAL THAT HAD PREVIOUSLY AUTHORIZED TO USE CARD, AND YOU DID NOT NOTIFY US THAT THE PERSON WAS NO LONGER AUTHORIZED. Cardmember service is incorrect the reason being there's has never been an authorized user on this account whatsoever only myself the card holder ... I have tried to clarify this information with Cardmember services, and they refused to help me any further. When I spoke with XXXX at Cardmember service on XX/XX/XXXX, she informed, reason claim was denied, was due to friendly fraud without having any truthful or accurate information to validate their accusations. On XX/XX/XXXX When I reported such transactions, I have said to us cardmember fraud team about suspects my father and ex-boyfriend. Which I was instructed by the fraud team to file a police report with suspects information which I did without any hesitations and have provided such report number to Cardmember Services. According to Supervisors reviewing my calls they are stating that I had refused to file a police report due to suspects being my father and ex-boyfriend, that's incorrect as proof there's the phone conversation they could go over once again, and at any point I have not refused or given reason to believe I was not going to file report. I'm also including a list of approved transactions found in my favor and received a credit which also is included in my denied list transactions under the same merchant. I was instructed by XXXX next step if I disagree with their investigation results that I would need to write to the house president, which I em along with this complaint to have on file of such malpractices. .. Even though I had called and reported these transactions on XX/XX/XXXX representative did not close my account and card was used after I had said to Us bank. When I requested for a copy of their findings of their investigation as to denying my claim, they informed me there's was no documents whatsoever. That the results were based from a phone conversation with Cardmember Services are changing my answers once again to deny my claim once again for their benefit of not approving my request. | ||||||
| 06/23/2017 | Yes |
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| On XX/XX/XXXX, I purchased three ( 3 ) prepaid XXXX issued by US Bank at my local XXXX store in XXXX, Maryland. Each card was loaded with {$200.00}. So the three cards were totally loaded with {$600.00}. On XX/XX/XXXX, I was ready to use those three prepaid cards and only to found out online ( XXXX ) that the three cards were fraudulently used on XX/XX/XXXX at XXXX XXXX XXXX, CA. The first card ending in XXXX was charged {$83.00}, {$50.00} and {$50.00} in three separate transactions that were 1 second apart. The second card ending in XXXX was charged {$100.00} and {$25.00} in two separate transactions that were 1 second apart. The third card ending in XXXX was charged {$50.00}, {$50.00} and {$75.00} in three separate transactions that were 1 second apart. I live in Maryland and those fraudulent transactions were made onXX/XX/XXXX in California. I have the prepaid card in my possession the whole time. Those charges were 1 second apart, and clearly they were fraudulent charges. I called the customer service at XXXX immediately onXX/XX/XXXX to report the fraudulent transactions on the three cards. They opened cases and requested me to fax them copy of receipt or front and back of cards, my first and last name, my address, my email address and phone number, handwritten card numbers and my signature for replacement cards. They also asked me to send another fax for refund, which requested me to include the prepaid card numbers, my name, address, detailed information on the fraudulent transactions, dollar amount, merchant name, reason for the dispute and my signature. I faxed all the requested supporting materials to them on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, They send me " Cardholder Statement of Disputed Transaction '' forms for the three cards and I filled out the forms certifying that the charges were fraudulent and were not made by me. I faxed the forms back on XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX andXX/XX/XXXX, I received letters from them denying my claims. They mention in the letter that after " thorough investigation '', they decided that " No error occurred or that an error occurred in a manner or amount different from that described by you. Specifically we noted that the following reason for denying the claim : Insufficient information was obtained from cardholder to identify the disputed transaction and/or disputed amount '' This is outrageous. I provided all the information they asked of me. All the fraudulent transactions date, time, location ( in the state of California ). I live in Maryland and those fraudulent transactions were made on XX/XX/XXXX in California, four days after my purchase of the three gift cards. I have the prepaid card in my possession the whole time. Those charges were 1 second apart, and clearly they were fraudulent charges. I looked up on the internet and found out there are quite a lot similar cases regarding fraudulent transactions on the prepaid XXXX issued by US Bank that were purchased in XXXX store. I spent countless hours calling the prepaid card service and collecting and faxing massive supporting materials they requested and they denied my genuine claim using some made-up excuses. The merchant is not willing to stand behind products they sell. This is not acceptable and is a severe infringement of consumer rights. As a victim and as a last resort, I herein come to consumer financial protection bureau for help and I sincerely hope that you can stand besides our consumers and fight for us as you always do. Thank you very much for your help. If you need any supporting materials, please feel free to contact me. | ||||||
| 04/18/2023 | Yes |
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| 1 ) I have made several complaints regarding US Bank pulling my credit with XXXX without my permission on XX/XX/XXXX. Please note that this pull was not due to any fraud, as stated by US Bank. US bank also failed to properly investigate the inquiry dated above. I talk with US bank about a upgrade and the creditor that will be used to apply ( XXXX ) for the Upgrade in XXXX of XXXX, but never authorize the financial institution to pull credit due to a hard inquiry and the creditor that they will use to pull credit. As a secure credit card customer US Bank has pulled my credit as a soft pull to see what is reflecting on my credit reports and then will use the the credit report that was reflection unauthorized and outdated information. In XXXX of XXXX I had a credit score of XXXX with XXXX with all credit obligation paid on time and as agreed. US bank failed to use this creditor for the upgrade. US Bank is also well aware that my previous missed payments was due to economically disavagtages, sickness, and the pandemic which my small business suffered drastically. ( Please see attached ) In XXXX of XXXX my credit obligation was not delinquent per your statement in response dated XXXX, XXXX, XXXX. 2 ) I was not aware of any notices of overdrafts and or payments owned on credit credit due to the deactivation of all accounts. US Bank deactivated my online banking and closed my checking account without proper notice.When deactivating my account I was not able to sign in to on line banking to retrieve any documents nor see any payments that was owned. I was aware of what due when receiving the response from XXXX of the XXXX on XX/XX/XXXX. US Bank failed to give me time after I was informed of the payment in the letter dated XX/XX/XXXX all documents attached to response I never received in the mail nor online banking. ( Please see attached ) Bank closed account in retaliation of complaints. XXXX ) During a brach visit in XXXX CA Customer service rep stated that my account was overdrawn due to a {$3.00} payment to RING. I didn't request any payments to go through if I didn't have money to cover the payment. I have always declined overdrafts protection to prevent from paying excessive fees. Bank closed account in retaliation of complaints. XXXX XXXX US Bank has failed to send me credit card statement with all made payments on the account. I have requested this from the CEO via email and have tried to request from customer service several times. ( Please see attached ) 5 ) US bank stated it closed my account due to none payment while I was sick and offered help via letter sent with response complaint but failed to provide the help on the account when I called to let credit card services aware of my sickness. Please explained what was the difference in XXXX and XXXX of XXXX? ( Please see attached ) 6 ) US Bank also disallowed me from making smaller payments on the account and transfer to and from the account. Please see attached. Please see error messages that will pop up when I was attempting to log in my account. On page 2 of complaint dated XX/XX/XXXX paragraph 5 states that no further payments is not required but US Bank still reflect the bad credit debt to all 3 major credit bureau and is currently reflecting on my credit report of payment owed of {$85.00} and negative payment for 60 days. Please explain why secured card customer don't have same services as regular credit card customers. we are just as important as we are trying to reestablish for economically, to start business and purchased homes for are family. US bank secured card is a way for the bank to make money off fees and annual memberships | ||||||
| 01/14/2016 | Yes |
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| Account Number XXXX - Complaint about Loss Mitigation Process The following was sent to : XXXXXXXXXXXX " I hope this email reaches you well. My wife and I have been in the loss mitigation process multiple times and it never seems to have any positive results. They either ask for information we 're unable to provide or they wait until the deadlines run out voiding our application. Our Original Loss Mitigation Relationship Manager was : XXXX XXXX - My biggest complaint about XXXX is that prior to our home going into foreclosure status we did n't hear from XXXX for weeks. He called us the day after our home we n't into foreclosure. It almost seems like he was trying to run out the clock and prevent us from interfering. Then we receive a letter from the foreclosure attorney law office stating that they are collecting almost XXXX dollars more than we originally purchased the home for. Surprisingly the amount requested reflects the current market value of our home. I 've sent a letter to the law firm disputing the amount. Our current relationship manager is : XXXX XXXX - My complaint about XXXX is that she does n't seem to take my concerns seriously. I 've tried expressing to her the importance of keeping my home and that I 'd like the documentation I 've provided for this most recent loss mitigation application reviewed with high priority and she does n't seem to care. The fact that despite all my efforts we 've yet to be offered a loss mitigation solution, we continually are left in the dark while deadlines pass, and the foreclosure amount reflects almost exactly market value for my home leaves me very concerned about how US Bank is running things. At this time I would appreciate information on any additional departments or sources at US Bank I can forward my concerns to. Any number, emails, addresses, etc. would be much appreciated. I do not intent to loose my home, please do whatever you can to put an end to this nightmare and get my wife and I real solutions today! '' They responded confirming what had happened but did n't provide solutions or contact information outside US Bank that I could use to escalate the issue. Most Recently : - I submitted a new modification request and received confirmation that it was received and complete. - Then my relationship Manager tells me they need additional information. So I provided a new income statement & letter of explanation. - Again I 'm told the request is complete. Today I got a call from XXXX XXXX advising me that I 'd been denied for all home saving options even though underwriting had the application less then 48 hours. The reason I was denied was shocking! Because I have n't made enough payments on our Mortgage we do n't qualify for assistance. - Why was I told this after the fact? - Why did I waste time and energy giving them all the documentation need when there was not way we could qualify in the first place? - Is this loan modification just a joke? A lie to tell people while US Bank waits for their homes to foreclose??? In Summation : - I 'm disgusted with the lies and tricks experienced during this process - I do n't belief US Bank want 's to help us - We 've repeatedly been told one thing and then seen another - So much of this process is shady - I 'm probably going to lose my home because US Bank was negligent in their treatment of my account and deliberately put me through XXXX when they new they were n't going to lift a finger to help. Please help us! I ca n't trust the people at US Bank because everything they do leads me closer and closer to loosing my home. All the best, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX | ||||||
| 07/06/2016 | Yes |
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| On XXXX XXXX, I was contacted convinced that XXXX could help me make my XXXX, XXXX XXXX XXXX a successful one. I agreed to services for XXXX on XXXX XXXX, XXXX and was charged {$4700.00} initial set up fee and agreed to {$140.00} per month fee for their services. On XXXX XXXX, I received an email from XXXX with the names and phone numbers of XXXX of their clients because I had asked for references. I contacted each and they had nothing negative to say about the services provided by XXXX. XXXX began services for the dcor site and I sent information as requested by them. On XXXX XXXX, I sent my account spreadsheet and was working on FAXing contracts from other companies with whom I had dealt in the past. I had expressed my concern for duplicate services unbeknownst to me as well as fears of having been taken advantage of in the past. I was also sent information by XXXX XXXX regarding the Attorney General Offices and addresses for each of the previous companies with whom I had dealt so that I could research them. He had offered me help in trying to resolve having been taken advantage of in the past. I continued working on the dcor site as per advise given by XXXX and other service providers. It was pointed out to me by XXXX that the site, XXXX XXXX XXXX had a product line that was too wide and that I needed to narrow my niche. The suggestion was to allow them to create a new site that would be on their software. I did not want to discontinue what I had started with the dcor site because I had already invested quite a lot of money. I determined to take some of the product from that site and offer it on the new site to be created by XXXX. On XXXX XXXX, I entered another agreement with XXXX for the creation of a new site ( {$10000.00} ) I became heavily involved in attempting to find good drop shippers and working on developing the new site, putting the researching on the previous companies lower on my priorities, as well as placing my focus on the new site and letting the others go on the back burner. Work began on the new site much like what had been done with the XXXX. The progress was to take some time in getting the XXXX set up. The site had been under construction for months and was never made public. XX/XX/XXXX, I was contacted by XXXX XXXX, my account manager with XXXX. He indicated that he had afforded some time to research my niche and had determined that it was not a profitable one. He informed me that, for {$6000.00} I could transfer services from the site ( XXXX ) to a site that had been owned by an individual who had a successful site but who had become ill and could not maintain it any longer. It should be no problem for me to pick up where the previous owner left off with becoming a drop shop client with XXXX XXXX, the company who provided product for the site, as well as for me to be able to take over the client base. There had been orders made that had not been fulfilled. The site name is XXXX. On XXXX XXXX, I entered into another service agreement, this time with a {$6000.00} set up fee and a {$190.00} monthly fee. I contacted the drop shipper and, after waiting for their reply, found that it had changed hands and would not provide me drop shipping without my obtaining product from someone else as well because they did not want me to be in competition with their site. I emailed XXXX about this on XXXX XXXX letting him know that I had not bargained for this. I have not heard back from him as of today, XXXX XXXX. I have trusted XXXX 's advise and believed they had my best interests at heart, but realize they, too have bilked me of funds and I absolutely nothing to show for it. | ||||||
| 06/05/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 US BANK XXXX XXXX XXXX XXXX XXXX and/or Office of the president, Dear Sir or Maam, I received your mailed response on XX/XX/XXXX. I would like to discuss further somethings that were mentioned in your response to me. First in regards to the check that was deposited in error and from my wrong account, I apologize but I accidentally deposited that check into my US Bank checking account ending in XXXX from my XXXX XXXX account that was closed instead of my active XXXX XXXX account. That was done in error and when I caught it I immediately contacted US Bank to have them stop the check but was told by US Banks 24 hour banking dept that they had no way of cancelling that deposit and I fully explained to them the error that was made. The agent still wasnt trying to be of any assistance in contacting a higher up department to see what could be done in this situation. I did not intend to deposit that particular check. I also feel like after Ive expressed to XXXX as well as every agent Ive spoken to in regards to the check fraud claim that I am experiencing a real financial hardship because of me not receiving my cashiers checks from US BANK which has since caused me to become behind on my mortgage, my auto loan and other bills and has since affected my credit score and could cause other long term affects. I did not cause this issue and I feel very saddened that US Bank would allow this to continue to happen to me when they have all the ability to provide provisional credit while this check claim is still being worked so that Im not caused any further hardship. The fact that you stated in your response to me that you would not offer me a credit knowing very well you could is very disheartening and frustrating to me. So I would have to absolutely disagree with you when you say US Bank delivers an exceptional level of service. Because every time I contact the fraud Liason dept. the agents never know how to address my concern when Im very clear to them what the purpose of my call is about. Either Im left having to argue with the agent back and forth about the reason Im calling and because they never want to get management to the phone when I request a supervisor or manager. Or Im constantly being transferred to XXXX voicemail as if shes the only one that Im allowed to speak to as a customer calling in to discuss business. She never return phone calls. Or the agent doesnt know how to reach the XXXX Department to get the most up to date status of my claim. Or the call is disconnected by the agent on me. This has been a horrific situation and US BANK fraud Liason dept has not made the situation any less stressful. I am experiencing a hardship here because of me not receiving my checks from U.S Bank and is causing longterm affects on my credit and payment history. To receive a response that provisional credit wouldnt be honored after it was promised to me is not a sign of showing exceptional service. I am deeply saddened by US Banks response to me and how long it took to even receive a response. Also I do believe that the response was suppose to be given on the XXXX website but Ill be sure to contact the agent there and send her copy of the letter US Bank sent to me letting her know I am still not satisfied with the stance US Bank has chosen even in the midst of me expressing that this situation has caused a hardship for me yet nothing has been done to relieve or rectify that. I will also be reaching out to the Consumer Financial Protection Bureau as well as the FDIC to get the official policy on cashiers check claims. Respectfully, XXXX XXXX | ||||||
| 09/06/2016 | Yes |
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| To whom this may concern. My name is XXXX XXXX and I am terrified that I may lose my home to foreclosure. US Bank has scheduled a foreclosure sale for XX/XX/XXXX. I have done all I know how to do and done all they asked me to do now resulting in an auction date instead of some kind of mortgage help or relief. I have been in a hardship, both emotionally and monetarily, but I have overcome both of those issues. I am now in the position of being able to afford my mortgage payments if US Bank would only give me the opportunity to get things back on track like I have been trying to do with them for a very long time. I have been pursuing a modification from them for months & months. The runaround I have undergone had been unbelievable. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) 1024.41 Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to " protect mortgage borrowers from costly surprises and runarounds by their servicers. '' I have sent in the same documents over and over when requested to do so. How is it they did n't receive what they continually ask me for when I have confirmation of fax receipts? 1024.41 ( b ) Receipt of Loss Mitigation application - " A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. '' I have also experienced levels of discrimination, in my opinion, because of my XXXX. I am a XXXX female. When I have spoken to them in the past, trying to explain my hardship, I refer to the former co-borrower as " my wife '' ; the attitudes of account mgrs. seem to change. Why do they get condescending and get less interested in helping me because I 'm XXXX? Fair Debt Collection Practices Act FDCPA 806, Harassment or abuse 15 U.S.C. 1692d - US Bank has been rude, condescending and somewhat threatening when communicating with me regarding my mortgage. I do n't understand why US Bank feels the need to talk down to me or treat me so poorly. They treat me like a deadbeat and have no sympathy towards my hardship. I have had numerous account mgrs. throughout the process of trying to get the loan modified. 1024.40 Continuity of contact - " Servicers are required to maintain reasonable policies and procedures with respect to providing delinquent borrowers with access to personnel to assist them with loss mitigation options ''. Why was n't I assigned a single point of contact to assist me in saving my home? I was also told that I could n't get a modification because I was behind on payments. Is n't part of the modification process putting any arrearage on the back of the loan to give the homeowner a fresh start? I also have an interest rate of 7.25 %. If they would modify my loan and give me an interest rate that was decent, the payment amount would be at a level that would be affordable and I could maintain that payment. 7.25 % these days when mortgage rates are at an all time low is ludicrous and should be corrected. When the banks got bailed out in XX/XX/XXXX, they promised to help struggling homeowners and correct sub-prime rates, lower principles, etc. This appears to be just another example of " Big Banks '' just rolling over another homeowner for monetary gain. These foreclosure decisions seem to exclude any personal trauma they are creating by rendering the homeowner homeless. I have tried to do everything I know how to do. I am reaching out to anyone who can intervene in postponing the impending sale date of XX/XX/XXXX. I will have nowhere to go if US Bank is allowed to foreclose on my home that I love. Please help me!!! XXXX XXXX XXXX XXXX, NY | ||||||
| 01/15/2020 | Yes |
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| Monday, XX/XX/2020 at approximately XXXX XXXX My husband and I went to the ATM at US Bank, XXXX, MO XXXX, attempted to deposit {$900.00} ( 4 - {$50.00}, 5 - {$20.00} and 6- {$100.00} ), the machine started having problems, it spit out {$700.00} of the money and continually tried to either discharge the other {$200.00} or keep it, it eventually stopped and closed up without dispensing the rest of our money. We immediately went into the branch, XXXX helped us, she got her keys and indicated that she was the one who handles the ATM transactions, 2 employees in the branch stated oh no, money is stuck in the ATM again, so this is obviously an ongoing problem. XXXX came back to the counter several minutes later and stated that she could not see anything on this side of the ATM, however she would be the one counting it and that a repair would be done tonight. I asked if I could call in the morning and she stated yes, I said I would call at XXXX XXXX and she said to give her more time than that. This has been the 2nd time that this has happened to us at the same branch, the other time was approximately 6 months ago. XXXX called us on the way home and told me to report the dispute to the main US Bank number, I did and received a Dispute # XXXX as confirmation. Tuesday, XX/XX/2020 XXXX XXXX I called and spoke with XXXX, who indicated that the ATM had not been counted, there was an emergency, no one had been there to look at this machine, she did not know when this would happen, stated that she didnt have anything to do with the process and that it would have to be handled through the main office. I was dumbfounded and asked why she had said to call after she had a chance to count the ATM money, she got rude at this point and again stated there was an emergency and there was only 2 people working and did not know when she would get to it. Main Number for US Bank XXXX Explained that it could take up to 10 business days to receive the credit and up to 45 for the completion of the dispute. The more I thought about this, the more upset I became, {$200.00} may not seem like a lot to the Tellers that work at the bank, however to most people it is a lot. The fact that she outright lied and that this is a continual problem with the fact that she treated me disrespectful and rudely trying to make me think I had misunderstood her has prompted me to take this as high as I need to for satisfaction. We have had an account with US Bank for over 5 years, with 0 overdrafts and it does not matter if I keep {$1.00} or {>= $1,000,000} in the account, the fact I choose to put my money in US Bank and then to be treated that way, is outrageous. XXXX Friendly and helpful, attempted to transfer call to Supevisor XXXX XXXX, it did ring one time and then I was disconnected XXXX Attempted to help as well and provided the phone numbers for a complaint higher up I have made a formal complaint with the Corporate Office ( XXXX ) and am waiting for the District Manager to call me for a resolution. I have also filed a complaint with the Consumer Financial Protection Bureau and will continually research other options for a timely resolution to this matter. I can be reached at XXXX to further discuss this matter. I posted this response to XXXX on US Banks page and sent a XXXX message, they responded that someone would call within one business day. XXXX/Branch Mgr./XXXX called and apologized, said there was miscommunication between XXXX and us and asked if there was anything else she could do. Filed report with Federal Trade Commission and Office of the Comptroller of the Currency. The District Manager did not call as promised. | ||||||
| 10/18/2017 | Yes |
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| During the first week of XX/XX/XXXX, I went to the U.S. Bank link to see if I was pre-qualify for one of their credit cards ; link below : XXXX XXXX XXXX Upon entering my information ( name, address, email, last four of my SSN and text code ), I was pre-qualify for three different cards, one of the cards was the XXXX XXXX XXXX XXXX. On that page, the terms and conditions were listed, it showed me a fixed rate and an offer ; the offer stated : Limited-Time Offer : Earn an additional 0.5 % cash back on eligible net purchases made within the first year of account opening. {$25.00} Cash+ Bonus the first time you redeem {$100.00} or more in a single redemption. Limit one per account. 5.5 % cash back for the first year on your first {$2000.00} in combined eligible net purchases each quarter on two categories you choose. Thereafter, earn 5 %. 2.5 % cash back for the first year on your choice of one everyday category ( like gas or groceries ). Thereafter, earn 2 %. 1.5 % cash back for the first year on all eligible net purchases. Thereafter, earn 1 %. No limit on total cash back earned. 0 % Introductory APR* for the first 12 billing cycles on any balances transferred within 60 days from account opening. After that, a variable APR, currently 19.99 % based on your creditworthiness No Annual Fee 3.This is an online offer only. New Cardmember Bonus is subject to credit approval. A one-time {$100.00} bonus will be awarded upon approval for a new U.S. Bank XXXX XXXX XXXX , and after eligible net purchases ( net purchases are purchases minus credits and returns ) totaling {$500.00} or more are made to your account within 90 days of account opening. Please allow 6-8 weeks after you have met the spend requirement, for your New Cardmember Bonus to be credited to your rewards balance. Existing and previous XXXX XXXX accounts do not qualify for the New Cardmember Bonus. New Cardmember Bonus does not apply toward account upgrades. This offer may not be combined with any other bonus offers. I decided to apply for the card and was approved. I took a hard pull on my credit report which I understand is normal. On XX/XX/XXXX, I decided to start a checking account with U.S. Bank so that I can establish a relationship with them. While on the application process, I was given the option to choose a {$1000.00} checking account line of credit for overdraft protection ( which I accepted ) and was given two offers on two credit cards with a fixed APR and fixed credit limit. I also accepted one of the two credit cards ; I accepted the U.S. Bank XXXX XXXX XXXX XXXX XXXX with {$1500.00} credit limit. Upon completion of the applications, two notifications popped up on my screen from my monitoring service alerting me of two new hard pulls on my credit report. This will now make a total of three hard pulls on my credit from U.S. Bank. Issue # 1 U.S. Bank should not had pull my credit report twice more ( for the checking account, checking account line of credit and credit card ). U.S. Bank 's first hard pull is good for 30 days and I supposed to be able to apply for other products using that very first hard pull without getting hit with additional ones. Issue # 2 U.S. Bank ( after talking to a supervisor ) will not honor the {$100.00} statement credit after spending {$500.00} in the first three months. The supervisor said I had to mail in a screen shot of the offer, but the offer still exists on their website. They basically calling me a liar and said there is no such offer. They 're stating to do the same tactics as XXXX XXXX ; luring people to apply for offers and opening accounts and then turn around and deny such offers. | ||||||
| 06/05/2015 | Yes |
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| On XX/XX/XXXX, at approximately XXXX, I met with XXXX in her office, NMLS # XXXX, a US Bank Mortgage Loan Originator in XXXX WI XXXX XXXX had requested some documents necessary to begin the loan processor. XXXX had me sign an authorization to pull my credit report. I was charged {$13.00} for that report. XXXX upon pulling my credit report, went over with me, line by line. I advised her about my foreclosure that my wife and I had in XX/XX/XXXX. XXXX noticed the foreclosure and an outstanding vehicle loan on my credit report. XXXX had advised me to pay off the car loan as soon as possible so to increase the likelihood of getting the loan approve. XXXX did not question or show any concerns about my foreclosure that happened in XX/XX/XXXX. About an hour later, XXXX presented me with a letter indicating that I was a qualified buyer and that I was pre-qualified for a Fixed Rate loan program with a sales price of {$84000.00} and a monthly PITI payment of {$700.00}. XXXX further said that I also qualified for the " American Dream '' program that was only available at US Bank NA. The requirements were that I had to be a XXXX time home buyer and not exceed income of approximately {$58000.00} XXXX this is an approximation, as I do not recall if she ever mention the exact amount ). There were other requirements, but those were the XXXX main significant criteria. XXXX affirm that I met the requirements and therefore advised me to start searching for my condominium. I left her office that day happy and excited. I started searching and contacted a re-estate agent by the name of XXXX XXXX. On XX/XX/XXXX, we had a signed accepted offer to purchase a condominium in XXXX, WI. XXXX XXXX and I learned as the days and weeks gone by that XXXX was moving and processing my application at a very very slow rate. XXXX and I have noticed how XXXX have tendencies of delaying documentations that were sent to her periodically to be sent to the proper departments within US Bank NA. On XX/XX/XXXXXXXX sent an email to XXXX and myself advising the condominium in XXXX, WI was denied. It took over a month for XXXX to give us an answer about the approval or denial of a prospective condominium in XXXX WI. Upon receiving the bad news, XXXX had advised me if you want, you can continue searching for another condominium to purchase. I did exactly what she suggested. I found another condominium in XXXX XXXX, WI. On XX/XX/XXXX, I got an accepted offer by the seller. I contacted XXXX and instructed XXXX to send in the condominium questionnaires to XXXX for her to process and send them to the proper departments within US Bank. The reason why I am writing this complaint to CFPB is of several reasons. My family and I started searching for a condominium to purchase on XX/XX/XXXX and we have to vacate our current apartment on XX/XX/XXXX. At the rate and speed of XXXX handling my loan, my family and I will be homeless. This is not the main concern in question. What concerns me and is troublesome is the fact that XXXX neglected, mishandled my loan in a unprofessional and unethical methods. I believe XXXX violated several ethical practices XXXX or laws ) within the professional guidelines of a Mortgage Loan Originator. On XX/XX/XXXX, XXXX and I decided that it was in my best interest to contact her manager XXXX XXXX NMLS # XXXX. I inform XXXX of my frustration on how XXXX constant delay. Upon finishing up my conversation with her manager, XXXX called and told me that I will be denied of my loan because of my foreclosure in XX/XX/XXXX. XXXX had misled me on XXXX occasions causing financial loss XXXX home inspection & credit report fees ) XXXX. | ||||||
| 08/09/2023 | Yes |
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| The companies receiving this complaint are inaccurately reporting multiple accounts and continue to do so although other consumer reporting agencies have removed these items and I have submitted proof that they have deleted these items as of XXXX of XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' US BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to sub section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' So again, US BANK the financial institutions and the consumer reporting agencies XXXX and XXXX DO NOT have my consent to furnish any information. Furthermore XXXX, XXXX, and US BANK, also DO NOT have my written consent. I have stated this in writing in the past and am doing so again now. Any and all consent to XXXX, XXXX, and US BANK, whether it be written, verbal, non-verbal, implied, or otherwise, is revoked. US BANK also has never informed me of my right to exercise my nondisclosure option. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As stated above this was never done, furthermore 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' XXXX, XXXX, and US BANK are reporting an adverse item and again they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1861C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Under 12 CFR 1016.7 " A consumer may exercise the right to opt out at any time. US BANK I the consumer again as I have in the past, I the consumer am opting out of your reporting services. US BANK is also reporting income. A charge off is a certificate of indebtedness and is considered income under IRS Publication 4681. A certificate of indebtedness is income which can not be reported to a consumer report. A 1099 was filed by US BANK to charge off, not only did they not send me my copy, but they continue to report these items illegally. | ||||||
| 09/14/2016 | Yes |
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| On XXXX XXXX, XXXX a facially complete packet was sent to US Bank via email to XXXXXXXXXXXX with the following information : 1. Uniform Borrower Assistance Form 2. Authorization for the release of information 3. XXXX 4. Detailed monthly budget 5. Letter of employment 6. Compensation package for new employer 7. Payroll schedule to show when the client was being first paid 8. Basic rental agreement 9. Proof of rental income 10. Contract work paystubs to show income received to date 11. 2 months of all bank accounts 12. Information about the Homeowner 's Association 13. Signed XX/XX/XXXX federal tax returns. On XXXX XXXX, XXXX my HUD approved Housing XXXX XXXX XXXX XXXX with the XXXX County Community Development Agency, received an email confirmation that the documents had been received. We were waiting for US Bank to respond with any further requests for documentation or clarification. I had not received a letter and the only confirmation we had that the packet was received was from the XXXX/XXXX/XXXX email. On XXXX XXXX, XXXX with no updates, my HUD approved counselor called US Bank and spoke with XXXX who stated that the file was denied because a facially complete packet was not sent in 15days prior to the sale and the sheriff 's sale was held XXXX/XXXX/XXXX. The packet was sent on XXXX/XXXX/XXXX, which is 21 days prior to the sale date of XXXX XXXX, XXXX. Additionally, it would have been 15 business days prior to the sale date. The US Bank representative said that it was not accepted because it was not facially complete. She said that even though all the above information was provided the following information was missing and therefore US Bank did not consider the request for assistance complete : 1. The rental lease agreement had no end date 2. The letter of employment dated XXXX/XXXX/XXXX did not have a year to date list, though it does give US Bank permission to access this information via XXXX. 3. She said the packet was n't received 15days prior to the sheriff 's sale date Here are the issues and why I feel my home was illegally foreclosed on : 1. The documents were sent prior to 15days before the sheriff 's sale. The acknowledged the documents 4 days after they were received. 2. The documents sent are facially complete and the extra necessary detail should not have prevented a further review. 3. The US Bank representative stated that because this was not deemed facially complete by US Bank, they were not required to let me know about the missing information. They never sent a letter or called to get the missing information. US Bank stated that there was no way for me to get the information to them within 15days prior to the sale date, which was the exact day they denied the loan. I never had the chance to provide them with updated documentation. I did n't even know it was missing until we called XXXX/XXXX/XXXX. 4. I have not received a letter of denial, nor have the opportunity to appeal their denial or provide the missing information. 5. Minnesota State Statute Minn. Stat. 582.043 Subd. 6 which states that the servicer must halt the foreclosure sale and evaluate the request for assistance if the request is received on the 7th business day prior to the foreclosure sale. I believe I sent a facially complete packet that should have been reviewed. 6. XXXX XXXX the investor of this loan requires US Bank to send me notice and give me time to respond to my package denial, which US Bank did not. I would like the sheriff 's sale rescinded and I do not want to have to pay for any fees associated with the illegal foreclosure of my home. I want my request for assistance reviewed. | ||||||
| 11/28/2017 | Yes |
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| I opened up a checking account with US Bank back in early XX/XX/XXXX/XX/XX/XXXX of this year via the web. When opening the account, I recalled opting out of the overdraft feature ( therefore, if I do n't have sufficient funds in my checking account then the charge wo n't go through at all ). I also recall inputting my cell phone number for US bank as it required me to open the account online. I XXXX out the account in XX/XX/XXXX and decided to no longer use the account for now. The account had a XXXX balance and I planned to keep it that way for a while. Before I XXXX out the balance and while I was using the account, I did connect either my US Bank ATM card or my US Bank account to XXXX, which I used to transfer my money to friends and family. When the account had a XXXX balance, I accidentally transferred money through the XXXX account for {$8.00}. The charge went through and at the time I thought that the XXXX account is linked to my other bank account ( through XXXX XXXX ) because the charge went through. However, it was still linked to my US Bank account. Because I had the overdraft feature turned off, the charge should n't have went through but it did anyways. So I was charged an overdraft fee, and every 7 days I was charged an extended overdraft fee and also an overdraft returned fee for an account I thought had a XXXX balance and for an account I thought overdraft was not possible, because I opted out of the feature when opening the account. Not one rep from US bank contacted me via phone or letter in XX/XX/XXXX and early to mid XX/XX/XXXX. I saw that they did contacted me through e-mail, however I admit that I do n't really check my e-mail much and would rather be contacted via phone, which is why I had my phone number listed in my account. After XX/XX/XXXX, I saw two letters from US Bank. One showing that my account was closed and another from their collection department. I tried logging in online to view what happened and was unable to access my account and my statements. I then checked my e-mails and found an email from US Bank and gave them a phone call today, on XX/XX/XXXX to sort out the problem. I want to pay them back for the XXXX charges that went through ( even though it should n't as I opted out of the overdraft feature ), however I told them that I would like for them to waive the overdraft & multiple extended overdraft & returned fees that have piled over my account ( over {$300.00} worth on a {$8.00} XXXX payment that should have been denied in the first place ). The reps I spoke to was not being very helpful at all and actually criticized me for not paying attention to my account and for not respond to my e-mail. The rep told me that it was not their job to send me letters and remind you of payments. I agree with that statement, however it is their job to make sure that if I opted out of the overdraft feature, that it actually works and my account wo n't be overdrafted when it had a XXXX balance. There was also conflicting information as they said we actually gave you a call, however I did not received a call, and the manager said that we actually do n't have a number in file. I told the rep that I had my phone number listed as a reason. All I want to do is pay the actual amount that went through XXXX ( even though the charge should n't have went through ) and request to have them waive their unfair overdraft and continuous extended & returned overdraft fees that they have been charging to my account. However, they wo n't budge at all. I believe this is unfair business practice as I opted out of being overdrafted and they still overdrafted me. | ||||||
| 03/02/2016 | Yes |
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| I went in to my bank with all the needed documentation so I could get an adequate loan estimate. I was prepare to not proceed at this time if it did n't make financial sense. I was looking for a refinance. I explained I 'm a single mother living paycheck to paycheck struggling to pay my mortgage for the home I bought with my ex and I 'm not attempting to keep my home on XXXX income. I explained I had little to no money to bring to close. She understood, presented me with options and provided me with a loan estimate with a cash to close estimate of {$54.00}, which I was comfortable with. I then was asked to pay {$390.00} now for " administration fees '', she explained I 'd get a refund from my old escrow as well as skip a payment, so I agreed to pay the {$390.00}. After an appraisal, that actually came back much higher then anticipated I decided to go with a PMI loan since I was much closer to the 80 % LTV then earlier thought ... instead of the lender paid PMI with a higher interest rate that we had originally planned. So we had to " start over '' or go back to underwriting so it push close back a few weeks. I received another Loan Estimate with the new rate and the cash to close was {$500.00}, I informed her that wAs getting to be higher then I felt comfortable she assured me it wAs just an estimate and the loan process " is a moving part '' and things can change. Also she had previously estimated my PMI as $ XXXX/month and then new estimate had it at $ XXXX month. As explained as things went up it made the amount I 'd be saving much smaller and my out of pocket high. She again said things should be down after I they get a new payoff quote once I paid my XXXX payment. So I reluctantly proceeded. Then finally as we are about to close she emails and says we are almost ready to set a closing date and I 'll just have to bring {$1800.00} to close ... XXXX {$1800.00}!!!! WAY more then I had planned or could afford. She said well you 'll get to skip a payment and get a refund of escrow in XXXX days! Money she had previously told me I could use to make " an extra principle only payment or use it for whatever I choose, such as paying off a higher interest rate credit card or whatever "!! Never was I told I 'd need to use all that for my cash to close. We had talked about from DAY XXXX that since we 'd be closing around XXXX XXXX, when my taxes were due, WE would have to pay the taxes with the new loAn and then I 'd get a refund from my old mortgage companies. We already knew by looking at my statements that my escrow from my current company would be SHORT {$600.00} for taxes!!! SO she KNEW and told me we 'd be covering taxes but somehow failed to include it in my $ XXXX loan estimate that she gave me. Leaving me short my entire taxes ... {$1700.00} and having to come up with that cash and then waiting XXXX days for my escrow refund ... that we KNEW would only be {$1100.00}. I do n't have {$1800.00} cash to pay now. So they offered to raise my loan {$2000.00} and pushing close back a few weeks ... again. Now a new loan estimate of $ XXXX made this much less of a good deal then she had presented to me. I called her manager to complain. He offered nothing and asked what I wanted. I said I want my {$390.00} back and I 'm going elsewhere. He declined and said he speak with her and see what she was thinking but assured me I 'd never been given false information, he said he 'd call me back after speaking with her. That was 5 days ago and I 've never heard from either of them again!! She had previously told me I could walk away but I 'd have to pay MORE FEES then the {$390.00} I 'd already spent! | ||||||
| 02/22/2018 | Yes |
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| On XX/XX/XXXX I called XXXX XXXX Support Number about a minor issue with my XXXX and immediately called the first number that popped up. I did not even think to question if this was an official XXXX number or not. They sounded official. They told me that critical data was being transferred from my phone to a second computer, located in XXXX, and that I needed to buy an XXXX XXXX gift card for {$100.00}, for which they would immediately refund me the money, in order to properly restore my phone from being hacked. I followed suit and went to XXXX ( where they told me to go ) to buy an XXXX XXXX gift card for {$100.00}. When I read them the number, they said that they were having a minor problem and that their {$100.00} server was not working and that I needed to buy two {$50.00} gift cards, for which I would immediately be refunded the {$200.00}. I followed suit. Then, they proceeded to tell me that they went through but that the cards were expired that I needed to get more gift cards for the total amount that I had previously paid. Then, they proceeded to tell that all the cards at that XXXX located were " old '' cards and that I needed to go to another XXXX location. It made sense because this XXXX was very old. At this point I was transferred to the top billing specialist with XXXX. At the second XXXX, he told that XXXX XXXX gift cards were no longer working with their system, that this had never happened before, and that I needed to buy XXXX XXXX cards. Then, he told me that XXXX stores were not working with their system and that I needed to go to XXXX. Each time, he sounded official, convincing, and like what he was saying was believable. Also, each times the gift cards did not work, he said that he would compensate me for all of my time and money, which went from {$100.00}, to {$200.00}, to {$500.00}, to {$800.00}, because each time I bought more gift cards I had to buy the total amount of everything I had previously bought in order for it to work with their system and for my money to be refunded. In total, I spent {$1800.00} dollars with my XXXX XXXX through U.S. Bank and {$1200.00} dollars with my XXXX XXXX XXXX through XXXX XXXX. All were spent on {$50.00}, {$100.00}, or {$500.00} gift cards for XXXX XXXXXXXX or XXXX XXXX at two different XXXX and two different XXXX stores. I immediately called both XXXX stores and XXXX and they told me that I needed to contact XXXX XXXX and XXXX Play themselves, which I did. Because the gift cards were immediately used, they said they had no recourse for me. I then filed a police report and a report with the FTC, as well as the XXXX XXXX XXXX XXXX XXXX XXXX. I didn't question the fact that they sounded like they were from a call center in XXXX, and of course asked them were they were located, which they said XXXX. He told me that he was in contact with the top XXXX official and that if he didn't get me my money back that he would lose his job, so he needed to make sure that that happened. I XXXX the two numbers they used to call me, and that I used to call them on XX/XX/2018 and they came up that they were fraudulent XXXX numbers. Someone had recently tried to sign into my XXXX account fraudulently, and I downloaded a virus onto my computer and had recently had someone hack into it, and was also talking to a call center in XXXX with XXXX about the situation ; thus I did not think anything of this. I am hoping that I will be granted Mercy, understanding that if these previous situations hadn't happened to me, I would not have been susceptible to this one. I am a struggling college student, getting my degree to be a XXXX XXXX XXXX. | ||||||
| 09/18/2015 | Yes |
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| I 'm submitting a complaint/arbitration request to " U.S Bank Investments and its banking section and Credit Card '' depts. To ( 1. ) Return all investments to the # XXXX accounts i opened in their " Investment '' Dept. that were both ( IRA ) and ( NON-IRA ) That were in the amount of ( {$23.00} ) a share when they were closed out in the year ( XX/XX/XXXX ). Due to my unintentional absence from the community, that caused me to not be able to cover the cost of the ( {$40.00} ) a year fee that was due to pay for the accounts i had with them. I, was illegally held outside of the proper application of law in order for the accusers of the false pursuit against me to be able to receive the benefit of depleting my financial and overall stability in the XXXX I, Brought every action in all rules of legality to be freed of the illegal detention and illegal amount of time beyond the illegal determination of the detention ordered into the hands of the powers that had the duty to release me. Yet, they failed. This, is to say. That this is the only reason that i was not able to pay all fees agreed to, regarding the U.S. Banking business i conducted and still request to conduct. The second issue, is the way i was conspired against in the " XXXX XXXX '' area branch of the U.S. Bank branches. As, in ( XXXX ) caused me to be wrongfully banned from being able to conduct even the basics of banking business with their business. Nor, have my privacy respected and protected in the care of the " U.S. Banks ' " public and private trust intent within their " code of ethics ''. It, got to the point of when i filed complaints against the branch managers and the general staff of business. My information of private existence was breached. Resulting in a letter being issued to me from " XXXX '' warning and informing me to report Shady activity by the " bank staff " to the " Credit Bureaus ' ". As, they received information of a breach in security from staff at the U.S. Bank that involved the " stealing yet not the use '' of a bunch of files in their system. And that mines was XXXX of them. I, complained to the Comptroller after i brought the issue of the " XXXX XXXX ' " staffs ' misconduct to the regional managers ' attention. Only to have all of them behave worse than the " bank staff ". I, complained and attempted to arbitrate to the regional managers in both " XXXX and XXXX '' counties. Only to be teased and antagonized. Which, forced me to file complaints with the " Comptroller " and now here. REMEDY ( # 1. ) : I, only request to be allowed to do business with the " U.S. Bank '' business again. In hopes of securing a solidified financial future without fear of being treated like what i 've filed in this action again? REMEDY ( # 2. ) : My, intent. Is to have all funds owed available for deposit to the " U.S. Bank " in their proper departments. ( I.E. ) The fees owed for the " investment account ( s ) " costs for the years delinquent. Along, with a reasonable contribution in simultaneousness that will cover " good faith '' on my end to uphold good business. as, well as cover the cost of the " approved credit line " i was allowed by the " U.S. Bank credit dept. ". This, is a request for them to approve and contact me. in order to agree to allow me re embersment of finances and credit line ( s ). Only, upon payment of each separate issue i choose to reactivate as intended upon at anytime i choose. In separate reactivations. While, immediately allowing me to reopen any checking or savings account upon notice of this action filed at the date of their receiving this. Sincerely, XXXX XXXX, XXXX ( XXXX ) | ||||||
| 01/10/2024 | Yes |
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| To whom this may concern, I hope this email finds you well. I am writing to bring to your attention a series of challenges I have encountered with my business account at US Bank and seek urgent assistance in resolving the issues. On XX/XX/, I received a notification confirming a {$9000.00} deposit into my account, with the funds allegedly available. However, when attempting to make a withdrawal later that day at the branch located at XXXX XXXX XXXX, XXXX, Ohio, I was informed by the branch manager, XXXX XXXX, that the funds were pending. Despite showing availability on my end, XXXX suggested using my debit card, assuring me that the funds would be accessible the next business day. I subsequently made a purchase with my debit card for {$1100.00} at XXXX on the same day. To my surprise, on XXXX XXXX XXXX XXXX XXXXXXXX informed me that my business account was blocked. He requested documentation of ownership for XXXX XXXX, to which I promptly provided details for XXXX XXXX, XXXX XXXX, and relevant contracts. Subsequent communication with the vice president XXXX XXXX on XX/XX/XXXX revealed that my account was blocked for money laundering, leading to the closure of my account, as stated in the letter dated XX/XX/2023. I reached out to US Bank customer service on XXXX confirming the official closure of my account on XX/XX/. I was advised that a cashiers check would be mailed to my home within 15 business days. I sought clarification on whether the check would be returned to the bank institution or sent to my home, and the customer service representative confirmed it would be mailed to my home. Additionally, I requested confirmation of my address, which was provided as it wasnt specified in the XX/XX/, letter. Despite these assurances, on XXXX a customer service representative claimed to be emailing the fraud department, promising a callback that never materialized. On XX/XX/, I faced challenges with various departments unable to determine the status of my funds and attempts to contact the fraud department were unfruitful. Furthermore, I was directed to my home bank, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to speak with the branch manager, XXXX. Our initial conversation on XX/XX/XXXX revealed Shermans lack of awareness regarding the business account opened online and the circumstances leading to its closure. I informed him about the XX/XX/XXXX letter, which suggested a cashiers check within 15 business days. Following up on XX/XX/XXXX, I provided XXXX with our XXXX. On XX/XX/XXXX, I called again to follow up. On XX/XX/XXXX, XXXX informed me that the deposit was made via ACH, and ACH payments had been returned to the bank institution. Despite informing XXXX of XXXX Internationals claim of non-receipt, there was no clarity on the return date of funds. On XXXX XXXX XXXXXXXX stated he was emailing someone for further information. Despite our efforts, communication with both XXXX XXXX, XXXX, and US Bank has been unhelpful in resolving the issue. XXXX XXXX claims that they never received the return of our funds from US Bank. Given the complexities involved, I kindly request your assistance in locating our funds so that they can be reimbursed to a different bank institution or sent via mail. Please let me know if there is any additional information or documentation needed from my end to facilitate this process. Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving the situation. Thank you for your understanding and assistance. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/22/2023 | Yes |
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| US Bank Customer Service XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Urgent Complaint Regarding the Closure of Credit Card Account XXXX XXXX XXXX XXXX and Unresolved Trip Reservation Refund Dear US Bank Customer Service, I am writing to express my extreme dissatisfaction and frustration with US Bank 's handling of my credit card account, which bears the number XXXX XXXX XXXX XXXX, and a recent trip reservation made through the US Bank XXXX XXXX XXXX on XX/XX/2023. The events leading up to this complaint have left me in a distressing situation, and I feel compelled to bring this matter to your immediate attention. On XX/XX/XXXX, I used my US Bank credit card to make a reservation at the XXXX XXXX XXXX in XXXXXXXX XXXX through the US Bank XXXX XXXX XXXX. The details of my reservation are as follows : Trip ID : XXXX Confirmation Number : XXXX Total Amount Charged : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Unfortunately , my US Bank credit card was unexpectedly closed on XX/XX/XXXX, which left me in a precarious situation. I promptly contacted US Bank to cancel the reservation due to the credit card closure. After numerous calls and hours spent on hold, I was assured by US Bank representatives on XX/XX/XXXX that the reservation had been successfully canceled, and a refund check for the full amount of {$11000.00} had been processed and sent out on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received the promised refund check. This delay is unacceptable and has caused me severe financial hardship. Furthermore, my credit card statement is due on XX/XX/XXXX, and I have neither received the hotel room nor the refund I am owed. My attempts to seek resolution through US Bank 's customer service and the XXXX XXXX XXXX have been incredibly frustrating. I have been consistently passed back and forth between these XXXX departments, with neither willing to take responsibility for resolving my issue. This lack of coordination and accountability is unacceptable, and it reflects poorly on the level of service US Bank provides to its customers. I have several pressing concerns that demand immediate attention : Failure to Receive Services : I have not received the hotel room for which I was charged, and I am unwilling to pay for a service I did not receive. Undelivered Refund : I have yet to receive the refund check of {$11000.00} that I was promised on XX/XX/XXXX. Poor Customer Service : US Bank 's inability to resolve this issue, coupled with the continuous transfer between departments, has been a source of immense frustration and inconvenience. I am left with no choice but to request the immediate processing of the {$11000.00} refund to my US Bank credit card account. This refund is essential to rectify the financial burden caused by this incident. I expect this matter to be resolved without further delay. If my refund is not processed promptly and I do not receive a satisfactory response within [ a reasonable time frame, e.g., XXXX business days ] from the date of this letter, I will be left with no alternative but to pursue legal action in small claims court to recover the {$11000.00} that US Bank XXXX XXXX owes me. I implore US Bank to take swift and decisive action to rectify this situation and to restore my faith in your institution 's commitment to customer satisfaction. You may contact me at XXXX XXXX XXXX or XXXX provide updates on the resolution of this matter or to request any further information required for its speedy resolution. I look forward to a prompt and satisfactory resolution to this issue. Sincerely, XXXX XXXX | ||||||
| 05/16/2017 | Yes |
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| I recently signed up fo r US Bank Altitude Reserve credit card. I was approved a received the card on XXXX XXXX , XXXX . I 'm interested in this card because of its reward structure for using it via mobile wallet payments ( Android Pay in my cas e ). When signing up for the Altitude Reserve card a nd reading through its terms & conditions, there was absolutely no mention of any rules that prohibit the purchase of gift cards. I started using the card on XXXX XXXX , XXXX . There was a promotion at the local grocery store for various store gift cards that I was interested in taking advantage of. This was because of XXXX XXXX XXXX as well as the upcoming graduation season. I planned on buying those store gift cards as gifts/presents for the my mom, brother, friends, and my wife 's friends. Because of the restriction on the store 's promotion, the discount is only applied to one gift card per transaction. So I had to make repeated transactions for multiple gift cards to receive the discount on all gift cards. Understandably, there was a block placed on the Altitude Reserve card after a few successful transactions. I proactively called US Bank and notified them that those charges are legitimate charges made by me and requested them to unblock the card so I can continue using it. During this verification process, I was not questioned or notified of any rules that prohibits making purchase of gift cards using the Altitude Reserve card. I went back to the store to make more purchases the next day XXXX XXXX XXXX , XXXX ) and all the transactions completed successfully. My wife and I thought it was a good promotion and thought we should buy some more cards for our own use so I went back to the store again the day after that ( XXXX XXXX , XXXX ) to make some more purchases. But this time I could n't complete any purchases because all transactions were being declined. I went home and called US Ban k thinking it was just another fraud block. After looking up my account info, the first representative told me to call XXXX at XXXX for more information. When I called XXXX said that because my purchases are repeating transactions mean they are gift cards, tha t US Bank does n't allow the purchase of gift cards using their credit card, and my account is closed. I asked her to explain to me why is that not allowed, she mentioned that because gift cards can be converted to cash, it is not allowed. I pressed her for more details and point out to be where in the card agreement that it explicitly prohibits that. She just kept repeating that it is not allowed, my account is closed and it is final, can not be appealed. I asked to speak to he r manager and was forwarded to the manager ' s voice mail. I left a message with my contact info on XXXX XXXX , XXXX . I just received the call back from the manager, XXXX . And he pretty much said the same thing as XXXX without an explanation or could point out to where in the terms & conditions of the card that prohibit the buying of gift cards. He said I was abusing the rewards because all my transactions are for gift cards. Not only my Altitude Reserve card was closed but all the other related accounts were closed as well ( US Bank Cash Rewards Visa, US Bank checking account, and Fidelity Rewards Visa that is managed by US Bank /Elan Services ). This is uncalled for and an unfair practice when I have n't violated any stated card agreement whatsoever. This results in negative marks in my credit reports. I 've included the full card agreement fo r the US Bank Altitude Reserve ca rd. | ||||||
| 04/25/2019 | Yes |
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| A week prior to XX/XX/XXXX I went into XXXX XXXX XXXX to inquire on fixing my son 's computer specifically for gaming. My son 's computer was working for these games however there was a major lag. The store tech XXXX stated the games will work much better with a new 512g solid state hard drive and mirror the image from the damaged hard drive to new SS hard drive. Although it was recommended to buy a more expensive PC I elected not to because I could not afford it and was re-assured by XXXX the store tech that it will work just fine playing 1 or 2 games. I left the computer with XXXX XXXX and on XX/XX/XXXX paid for the services by atm pin since we agreed with the updated parts these 2 games ( XXXX ) would work just fine based on the equipment installed. XX/XX/XXXX dropped off the the tower with installed equipment because not even 1 game could load onto screen at all. I left it there for 2 hours and store tech XXXX stated nothing is wrong with it and that it must be the game. These 2 games are extremely popular and played all over the world so it's not the game or no one would be playing which they are still played to this day across the world. XX/XX/XXXX called again and XXXX the store tech walked us thru google how to clean any bugs with the game and we did so. This took 2 to 3 hours that day and after all of that neither game ( ark or fortnight ) would load onto the computer screen. XX/XX/XXXX my husband XXXX XXXX text messaged the store clerk XXXX as we took his advice to XXXX to see what else we could do and nothing worked ( image of text attached ). The store clerk tried to blame me that I didn't follow the recommendation to get a more expensive PC which was not an option because I could not afford to do so. If what was initially recommended wasn't going to work why take my {$420.00} to begin with? It was best to say this will not work and allow me to save my {$420.00} instead of just taking it and not giving it back. My chief complaint at this point is even though the equipment was in warranty, the fact that XXXX the store clerk stated to XXXX how to fix the game when the sole purpose was to allow for the game to work on my son 's pc, means to me that it was our problem and not their 's at that point if I had to rely on XXXX to fix it. Furthermore, I went into the store on XX/XX/XXXX and asked for a refund and the owner said no. I said why he said I can't do that. Now, based on that answer I can understand if there was a refund policy or return policy in the store but none of the documentation XXXX XXXX provided as well as the images captured show a return/refund policy. US Bank refiled my dispute and responded on XX/XX/XXXX, however nothing new was provided by XXXX XXXX. US Bank simply just copy/pasted the documentation they received on XX/XX/2018. I would think if they were going to refile a dispute that further evidence would be needed to prove XXXX XXXX 's return/refund policy but this didn't happen because this company doesn't have one. It is for this reason I deserve a refund because there is no refund policy with this store. All documents provided as well as images show that i returned the merchandise and I have every right to because XXXX XXXX doesn't have a return/refund policy in place. If this doesn't get resolve this time i will definitely seek legal advise not only against XXXX XXXX but also against US Bank for not protecting me the consumer and to only state well because it's been more than 60 days you can no longer file a dispute ... .this can be documented by the last phone call recorded between myself and the US Bank representative. | ||||||
| 07/11/2021 | Yes |
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| I applied for unemployment went threw the process I would call an was told nothing can be done until Id.me verified my identity they didnt even allow me to reset my twc password until I was verified by Id.me so I couldnt get on twc to check anything on XXXX XXXX I called an was told that I have been receiving unemployment I told them that I put in to get it direct deposit but they sent my payments on a reliacard twc issues I never got a reliacard .I called reliacard did a dispute got the dispute sent to me with a transaction form threw mail I would call daily make sure my mail was on the way to me I was told it was getting printed an the next day I would call they said it was at a post office then next day all of a sudden I call an ask an then Reliacard says that nothing was ordered so I have to do everything all over again .Now to speed up the process Im forced to get it faxed which cost me an also got my card expedited which cast me as well .Once I finally got what I needed i fax the dispute Back an called reliacard the next day to confirm they received it which they said yes I would call daily to get an up date on my dispute They would say it was getting process an again all of a sudden after calling daily they say I never fax back anything even though they had confirmed with me I did everything I needed to do to quilify for the 10 day porvisional by faxing it back days in advance .now had to hurry an re fax it risking my 10 day provisional credit because there lack of timing so now because of reliacard I have to get a CTTR by reliacard to inform the disputers it was reliacard fault for me turning it in the dispute late past the 10 days .An for the CTTR its time consuming because its hard to get a hold of a supervisor an calls always drop all the time employees dont try to understand my situation that Reliacard caused then when I call reliacard they also forget to ask for my passcode that protect anyone from getting access to my valuable information they forgot to ask me at least to 4-6 times an at the end of all this they denied my dispute All the transactions on the dispute where never authorised by me when I finally found out I qualified it was to late an my money was gone I now recovered all my accounts but still missing my unemployment benefits when I finally got the card an called to active it I thought It was good to start getting my benefits threw my reliacard since I had it an I activated it but. NO that was not the case some how threw all this twc ended up sending me a check even though I had activated the card days before my day they pay me unemployment.The check was sent on XX/XX/XXXX XXXX I still have not received a check. Once again reliacard slowing down the process for me to get my unemployment Benifits. {$6000.00} of unemployment have been sent an I have not received a penny or used an penny of it {$1000.00} where sent threw a check that I have not received I should be getting my payments on my reliacard for the next time i will file on XX/XX/2021 that will only be {$200.00} because the extra {$300.00} for the DUA plan will no longer be distributed to all filers I need help recovering my money the bank put me threw so much made me feel less of a person every time I talk to reliacard employee there where way to many mistakes on there end threw out my dispute process which is very serious situate to me as a customer an especially them having personal information about me an them not asking it before talking about my account is illegal Im sure Adress : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Tx XXXX Email : XXXX Phone : XXXX | ||||||
| 11/02/2016 | Yes |
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| I had XXXX checking accounts with US Bank because XXXX had fraudulent charges so I was in the process of closing it. Before I could a XXXX dollar charge hit the account, which sent it into overdraft status ( XX/XX/XXXX ). I called the bank the same day and stated my above attentions and asked if they would close the account to keep it from being used again and I would in the meantime payoff the {$300.00} I owe. I told the representative the account is in a position I can handle financially, and I do n't want other charges that I may have forgotten to affect the account. She told me to stop all overdraft protection on the account first and that would not allow anything to enter the account and stop overdraft fees. She stated that US Bank does not close overdraft accounts even at the request of the customer. I told her I want to stop all activity and at the time I found she could have offered an payment plan. I also told her that my next pay was in two weeks and I was afraid of anymore fees occurring. Again, I was assured the discontinuation of the overdraft protection. Well, the account ended up {$780.00} overdrawn by XX/XX/XXXX. Unfortunately, I was not able to pay the account off because it kept growing and I could not afford such a huge payment with mortgage and other living expenses. So, after two pay periods, the bank took the money from my open account and now that account is overdrawn due to prearranged bills, i.e. car payment, school fees, not including groceries for my child. I remembered what was told to me after this first occurred and I contacted the bank again I asked if they would give me back all those fees, about {$400.00} dollars because I declined overdraft protection and followed the instructions of the representative, and I was refused. She gave me back {$72.00} and told me to have a nice day. I was really disappointed with the customer service and the lack of direction so that this could have been avoided. Overdrawing my account is not something I do every week or even every month. I found myself in unknown territory and I feel the bank took advantage of me and allowed the situation to escalate to a point beyond my ability, so they could make an additional {$500.00}. I reached out to them and asked for help when this first happened. Although, the bank manager stated I ignored their messages and I did n't, again, I reached out and followed their instructions. The account was closed and, finally when I reached out to someone higher, I was told because the account is closed no one can make adjustments on closed accounts. I just said, Unbelievable! So, I had to ask the question, if I had spoke to someone higher before the branch manager closed the account after they received their money, could an adjustment been made? Yes, the branch manager could have made the larger adjustment also, if they wanted too. Although, she told me she could not. This is my complaint, I feel better communication would have prevented this issue. The only one suffering from this is me, a single mom of XXXX, who needs every dime she can get. I feel that nothing will come of this because after all, they are a huge bank with a team of lawyers. I just do n't want anyone else to be in a financial bind because of lack of understanding and knowledge. Thank you for reading my petition and if I am refunded some of my money because of this you have my gratitude. Lastly, if I was really trying not to work with or fraud US Bank I would have never opened up another account with them, knowing they would take my money from that account without my permission or warning. | ||||||
| 11/03/2021 | Yes |
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| I was contacted yesterday, XXXX, by an individual claiming to be calling from " the county '' about a failed attempt to serve me for a civil suit filed against me. When I called the number back, the representative claimed to be from " XXXXXXXX XXXX XXXX XXXX XXXX '' and said they were working on behalf of US Bank to retrieve a debt of {$3500.00} that I incurred by overdrafting {$25.00} on a checking account ( which I did ) in 2010. They stated that with 24.99 % APR, this debt had grown to the current balance of {$3500.00} and with legal fees, the amount owed could end up being double or triple that. The thing that prevented me from paying them and not thinking twice is that I paid this debt six years ago then AGAIN last year on XXXX. The representative was very friendly and told me that I was set to be served yesterday ( the day we spoke ) but we could work something out with the attorney to settle for a lower amount since I had already paid - she claimed that many companies collect payment but never release the claim and suggested that it was terrible that I was in this position. They offered to settle for {$700.00}. Luckily I was able to find the " Paid in Full '' letter from last year releasing me from the debt which I forwarded to her boss. The representative assured me that her boss would review the documents after lunch and she would contact me in the afternoon to confirm that my case was closed and I wouldn't be served court papers. At this point, it felt like something was up so I attempted to find XXXXXXXX XXXX XXXXXXXX online - first using the url in the email address they provided to me, then by searching their company name and phone number on XXXX. Nothing came up. The URL in the email address came back as an error page and there was no record of XXXXXXXX XXXX XXXXXXXX on the XXXX search. It was past XXXX and I had not received a call back from the initial representative to confirm that my case was closed. I called back and spoke with someone named XXXX, who refused to provide any information on their company nor the lawyer 's accreditation and confirmed that they had no web presence. He then said he would transfer me to his boss but just put me on an hour long hold. When I called back, he said, " oh, it's XXXX you again? ", hung up, and blocked my number. I then called from my girlfriend 's number and I asked if he was going to hang up on me again and he said, " XXXX watch me. '' He then blocked her number. I then tried from my XXXX XXXX number because by this point I was livid - not only about being scammed, but by the utter disrespect. He answered again, realized it was me, and blocked the number. I tried calling from one other line this morning and nobody answered. The scary thing about this is that they had my birth date and the last four digits of my social security number along with the actual case number from my debt settlement last year. I'm not sure where this information is available but they used it to seem 100 % legit. Between impersonating a government employee ( the original caller stating that they were calling from the county ) and a law firm ( every other individual I spoke with - totaling five different " employees '' ), making threats of serious civil litgation, and attempting to collect a debt that was satisfied over a year ago, this behavior seems downright illegal. I can't imagine how many people they trick with these tactics. I work in the financial sector and I was still ready to pull out my card and pay them off. For reference, here are the contacts I have for this group of people : XXXX XXXX XXXX | ||||||
| 07/08/2019 | Yes |
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| I obtained a XXXX XXXX from XXXX XXXX Bank for {XXXX}. On XX/XX/2019 I recieved the XXXX XXXX deposit of {XXXX}. My first payment was due on XX/XX/2019. I set up automatic payments. On XX/XX/XXXX I had the amount owed for the XX/XX/XXXX payment and decided to pay it early through the online banking platform. It updated the amount owed for XX/XX/XXXX to {$0.00}. However, on XX/XX/XXXX another payment was pulled. I was quite shocked by this as it stated I had no amount owed. I contacted the call center on that day, who transferred my to the loan servicing center. They informed me that my payment was made too close to the due date and that is why the auto payment generated still even though {$0.00} was owed. I asked them to reverse out the payment. They stated they could however, it wouldn't hit the account until Tuesday of the following week. I was concerned as other bills were coming out. They stated I could contact the banking center and ask for provisional credit to ensure that my account doesn't overdraft due to the error of the automatic payment pulling for the XXXX payment even though the XXXX payment had been paid. They transferred me to a banking center and I spoke to XXXX at XXXX. XXXX was amazing and understood how this issue could greatly effect me. She spoke with her manager and provided provisional credit until the loan servicing department could reverse the payment it had taken by error. At this point I had the XXXX XXXX the amount of the additional payment they had taken ) placed back in my account. However, I noticed that the XXXX payment still appeared to be satisfied, as the additional payment was applied to XXXX. I assumed that maybe they needed to wait til the statement cycle to correct. However, even though no payment was due in XXXX - another payment on XX/XX/2019 was taken for XXXX. Now the loan appears to be paid off, and on XX/XX/XXXX the Banking Center associate XXXX requested I pay her back the funds because the loan servicing department didn't credit them or me. Ultimately US Bank is forcing me to pay off a simple loan early. I should still have a XX/XX/XXXX payment due of XXXX ( However they are essentially forcing me to pay this now even though its not due yet. ) In addition I can no longer see my loan or the history in my OLB. They consistently took payments automatically that were not due. However, the released a new disclosure after the original issue essentially paper overing this issue. Still after the date of my incident. I would like to understand how they are allowed to act outside of the terms of our agreement and obligate me to pay them the XXXX prior to the due date of XX/XX/XXXX. I want to point out that the retail associate XXXX has been fantastic and I believe ultimately if the Loan Servicing Department had done their job of reversing the payment taken in error, then the provisional credit provided could have been paid back quickly. I am on day XXXX of attempting to deal with this. I just want my loan reinstated, the XX/XX/XXXX payment reversed and applied back to my account so that the provisional credit can be supplied back to the appropriate banking center. In addition, on my reinstated loan, I want it to reflect that the XX/XX/XXXX payment is still due which would actually conclude my loan once paid. I am concerned about some major violations to small loan guidance, their misunderstanding of Automatic payments and ACHs, and ultimately their ability to act outside of their loan note by taking payments when none is due and also, forcing repayment prior to the contractual obligation. Thank you. | ||||||
| 07/06/2015 | Yes |
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| XX/XX/XXXXTo All Those It May Concern, Many of you are recipients of this letter. Most of you will either receive this copy via email or certified mail. This is to inform you of " purposely deceitful tactics '' used by US Bank to illegally foreclose on our home, XXXX. My husband and I purchased the home in XXXX of XXXX. He was a XXXX and I was an am XXXX. We had great jobs that paid well and we were able to afford the home with the luxury of having a savings account. However, that all changed just as it did many Americans on Monday, XXXX XXXX, XXXX. My husband along with XXXX XXXX other Americans lost their job to the recession. My husband was XXXX of XXXX XXXX to lose his job. My husband received and official letter saying he had been downsized and immediately left without a car or a job. We immediately called the bank and asked if we could have our loan changed to an interest only loan. The bank did not comply. Our house went up for sale XXXX XXXX, XXXX. We feverishly tried to sell the home even offered to take a loss but we did n't even receive an insulting offer. XXXX XXXX, my husband received a job making {$30000.00} less than his previous salary. We had a child 2 weeks later and we had to buy a car because his car was property XXXX XXXX Our bills doubled with an additional child and additional expenses we desperately tried to acclimate to the income difference. Our mortgage was {$1800.00} a month and we were XXXX commuting an hour and XXXX minutes a day for employment. Gas was close to {$4.00} a gallon, resulting in a {$1200.00} gas bill monthly and childcare was {$800.00} a month. We went through our savings account in one year. In XXXX we were debt free despite a demised income. However, we knew if we did n't sell the house we would end up in debt. We hired a new realtor and then we took the house off the market to refinance with what was XXXX XXXX XXXX. We were able to lower our mortgage {$400.00} but it was n't enough. 8 months later my husnband was downsized once again. It is important to note that he was downsized and not fired. We have the official letters from his employer. One of which we will include. The other two are in storage with our furniture. We refinanced our home in XXXX XXXX and my husband was downsized in XXXX XXXX, XXXX. We once again called the bank and learned our mortgage loan had been sold to US Bank. We called US Bank and visited two area branches. All of them said they could n't help us. A doctor told us about the HAMP/HAFA program. She had used the program when they could n't sell their home in XXXX and had to relocate to XXXX. US Bank NEVER mention such programs and we did n't know it existed until XXXX XXXX XXXX XXXX told us. We called US Bank and then they agreed to let us apply for the program. The problem is we had been asking for help for 4 months and did not receive any guidance whatsoever. If my friend had not told me about HAMP/HAFA I would have never known, because US BANK NEGLECTED to tell me about this program. We applied for it in XXXX XXXX and as they advised us to stop paying while we were under review. They assured us it would not hurt our credit. We still have our email documentation from that program. They decided that we qualified for XXXX and took {$14.00} off our mortgage bill. {$14.00} dollars did not help my case. Our lawyer told us that we should have been approved for HAFA, or loss mitigation because my husband lost his job and had to relocate over 100 miles away for employment. Nonetheless, we were able to rent our home to lousy tent ants and stay afloat for a little while. We di | ||||||
| 03/07/2023 | Yes |
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| As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back overseas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. The account listed below has violated my federal given consumer rights to privacy amongst other things. Account name- Elan Financial Service Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX Account name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Along with grossly reporting my accounts to these agencies, The following are exampled of errors that are being reported to credit agencies. I have challenged these with these companies and they have refused to change the reporting. below are examples. XXXX. In XX/XX/XXXX Elan financial stated I was 150 days late to XXXX but reported to XXXX that I was 120 days late. False information which is a major violation XXXX. In XX/XX/XXXX Elan Financial Stated I was 150 days late to XXXX but reported me as paid to XXXX. XXXX. From XX/XX/XXXX to XX/XX/XXXX Elan Financial allowed XXXX to list my account as charged off while XXXX lists my account as updated and " okay '' XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE 9. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report! | ||||||
| 09/08/2015 | Yes |
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| This complaint is on US Bank associated with fraud on my son 's account- that rippled through to all the other accounts I was related to. This began on XXXX when someone uploaded a fraudulent check to my son 's account. They then did an ATM withdraw, ordered ( overnighted XXXX checks and used a debit card. For the next month, I was met with blatant and total incompetence from US Bank employees in the many fraud divisions. I spent hours each day talking to one group and then another, no one having any idea what the other groups needed or of decisions made by them. I was given conflicting information, completed forms several times ( not faxed from the branch/not received ) and sent on a 2-hour journey to get a police report that I was then told they did not need after all. The worst treatment was the back- and- forth status on my primary account. I fully understand my son 's account being on hold, but the other accounts were not affected. The XXXX account was opened XX/XX/XXXX and the XXXX account XXXX long standing accts with no issue that would give rise to risk concerns for US Bank XXXX For several weeks I went through a XXXX XXXX of whether my account would work- or not. I was told the new debit card I just activated at the branch would work- but at the XXXX checkout, it did not. I was told that my account was not on hold, so I deposited money to cover my Bill Pays, only to find the account was on hold and all my money for bills, groceries, gas etc. had been consumed by US Bank and I had no access. With the account being on and then off hold, Bill Pays did not go through and I have accumulated late fees and returned check charges for payments I was told by US Bank would be covered. The latest event was on XXXX when I inquired about the charges made with the debit card. I got a returned call from " case processing '' telling me they had just got the file that day and I needed to complete MORE paperwork, that I had already submitted weeks before, and it would take another 45 days to resolve these charges before I could close my account and get my money back from US Bank. Problems include : Very poor knowledge across employees as to the total process to resolve fraud claims. Branch employees that are not interested in helping the customer with " main office '' work. Outdated, antiquated technology- there are much better tech solutions that would have prevented this from happening. If US Bank going to play in the tech space at least afford customers tech solutions that keep their banking safe from predators. No one- and I mean NO ONE- was on point for the end- to- end process of resolving the fraud. Between all the different groups who have their hands on this work there is not one person or group that is ensuring that all the claims are identified and being worked simultaneously. Due to the ineptness of US Bank I have lost considerable money associated with this fraud, which could have been prevented. US Bank 's antiquated technology allowed this account to be compromised ; their flawed and inadequate process exacerbated the impact to the customer and their people were no help. I was told Friday that I could close my accounts on Saturday. Saturday came and I was not able to close my accounts and, thus, my money was held for another 3 days. Not looking good to get it closed today- Fraud says it 's up to the branch- branch has to have Fraud 's approval. The gross incompetence of this bank is completely counter to the purpose that people use banks to begin with- to hold their money so they have access to it when they want/ need it. | ||||||
| 04/18/2017 | Yes |
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| I submitted a credit card application on X/XX/2017 to US Bank because I received a pre-approved offer in the mail from the bank. After my credit card application has been processed, I was notified by e-mail that my credit card application has been denied on X/XX/2017 . I was baffled by the bank 's decision as I have excellent credit history without any negative remarks. I never had any late payments, bankruptcies, delinquent accounts or adverse court judgements. I am also a law-abiding XXXX citizen without any criminal records. Therefore, I cal led US Bank 's Underwriting Departm ent at phone number XXXX to find out the reason for denial. During the phone call, the first representative informed me that my application was being evaluated by another department, and I was subsequently transferred to a second representative named XXXX . However, XXXX was not only unhelpful, but he was very aggressive in his tone when discussing about my application from the very beginning. XXXX said my application was denied due to " Past Activity ' '. I asked XXXX what he meant by " Past Activity '', as I had never defaulted on any debt obligations with any creditors or banks. Instead of providing further useful explanations, XXXX immediately asked me in a humiliating fashion if I understood the meaning of the word " Past '', as though I am an uneducated person needing a lecture on English vocabulary. I politely told XXXX that he did not need to use such a negative attitude in our conversation, and I mentioned I would like to know the reason for the application denial. Then he proceeded saying that was all he could tell me in an arrogant tone and even said " Bye! ", trying to dismiss my question without addressing it at all. Based on my personal credit application experiences in the past with different creditors, all creditors were either able to approve my applications or provide me with legitimate/unambiguous reasons on why my applications were denied. I then asked XXXX which department he was associated with and tried to obtain his full name, but he refused to provide any answers to those questions. I Informed XXX that under the Equal Credit Opportunity Act, I have the right and duty to understand why my credit application was denied. XXXX then kept repeating " Have a good day '' for nearl y 30 times c onsecutively in a very hostile manner to try to disrupt me asking any further questions. Afterwards, he hung up the phone abruptly. I was very polite to the representatives I spoke with on the phone when I tried to understand the reason for my credit denial. But the hostility I experienced during the conversation with XXXX was something I had never encountered before. The practice of refusing to provide a reasonable explanation on why my application was denied also raised the question on whether this application was evaluated in a fair and unbiased manner. I believe I was wrongfully treated and humiliated with discrimination. I currently have multiple active credit accounts with different major banks and creditors, and I never had any difficulties or mishaps with managing my debt obligations, as reflected by my long and stellar credit history. The most confusing part is that the application was initiated becau se US Bank sent me an invitation to apply for their product. I would like to explore this denial further and understand whether this denial was compliant with applicable regulations. Evidence of the phone conversation could be provided upon requests. Y our Bureau 's assistan ce is deeply appreciated. Thank you. | ||||||
| 09/30/2021 | Yes |
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| U.S. Bank services me and my wife 's new mortgage. I have a home worth north of $ XXXX that I only owe $ XXXX on. Very low leverage loan on a new construction home- was originated in XX/XX/2021. I happened to look up my home this week on my local county auditor 's site ( XXXX County, Ohio ) only to find that my second half property taxes that were due months ago were never paid at all by U.S. Bank. There's a {$530.00} balance plus a {$53.00} penalty for being delinquent, so a total balance of {$580.00}. Meanwhile, U.S. Bank has {$5200.00} of my money sitting in a tax escrow account. U.S. Bank never reached out to me or anything- I found this out on my own. I talked to U.S. Bank 's tax department and it turns out they made an error on their end and have the wrong parcel number associated with my mortgage. They ended up paying my neighbor 's tax bill ( across the street ) of {$540.00} instead of my tax bill of {$530.00} back in XX/XX/2021, and did so using my money. It wasn't a matter of being off by one digit on the parcel- it was a completely wrong parcel number. Months have gone by and U.S. Bank never caught the error or reached out to me other than spam calls to try to sell me banking services. Now I have to deal with U.S. Bank " figuring the situation out '' internally and wait what I'm sure will end up being weeks for a resolution on how I'm going to be refunded for my neighbor 's taxes that I paid, how my taxes are going to get paid, and who is responsible for the penalty. Every time I call I wait on hold and I am then sent to a different person and have to re-verify my account info and recant the whole situation to each new person. This is a massive inconvenience for something that isn't even my fault. Several months ago prior to this issue happening, I reached out to U.S. Bank to see if I could have the large balance in my escrow account refunded to me and the escrow removed so that I can pay taxes directly to my local county. They ended up refunding me the bare minimum amount required per the federal guidelines and told me that if I want to remove the escrow, I need to pay them a {$600.00} - {$700.00} fee for the privilege of doing so. At the time we were escrowing almost {$1000.00} a month for taxes when our actual tax bill is only {$1100.00} per year - causing a huge overage/overpayment accruing in our escrow account. Given the usurious $ XXXX fee - I declined to move forward. U.S. Bank has proved they are incompetent via the non-payment of our taxes and using my escrow funds to pay my neighbor 's tax bill. I don't trust them and it's not fair that I, the consumer, have to babysit a big national bank/lender to ensure my taxes are paid and deal with the current headache that should have never happened in the first place. Consumers shouldn't have to pay a usurious fee to their lender for the privilege to pay their property taxes on time and direct to the taxing authority, especially when they are not a risky borrower. We have a very low leverage loan and are a high credit score borrower. The risk of us not paying our taxes correctly or on time is extremely minimal to U.S. Bank and the bondholders that ultimately own our loan. Furthermore, now that I'm a U.S. Bank home mortgage customer by default ( obviously wasn't my choice who my mortgage got sold to/serviced by ), they have passed my contact information along to their local branches and I get spam phone calls from their bankers trying to earn my banking business. I don't ever remember signing anything that authorized them to do this. This all has to stop. | ||||||
| 05/28/2021 | Yes |
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| I am a XXXX that gets paid once a month from the State of CA. I deposited my monthly check into my US Bank account. I used an ATM located inside a staters brothers. The check was deposited on XXXX. It cleared. They place a hold on my account on XXXX. I find out on XXXX when I am trying to withdrawal money that there was been a hard hold on my account requiring a physical visit to my home branch. I avoid the XXXX XXXX branch at all costs because their customer service is horrendous but I had to go into that one. According to the branch manager XXXX, there is a hard hold on my account and it is being force closed. He says the reason for this is because my State Check returned. I had my pay stub and assured them it could not have returned and if it did I would need proof to show HR. After a week and a half of going back and forth and being given a run around I email them requesting proof that the check was returned my HR will not reissue a new warrant without verification of it returning. Now the Branch Manager XXXX XXXX is saying that no items were returned. The check cleared but he can not remove the hard hold on my account. I have to wait until risk management closes the account. Thats okay. I have no issues with the account being closed but I get paid once a month. I login to the account daily and there is nothing indicating that the account is closing I simply dont have access to my funds. I reach out to the branch manager and request an update, I was told the account would force close within the next 2 days. On a different call he tells me that it will close toward the end of XXXX. On a separate call he says it can take up to 2 weeks. Its going past 3 weeks since the hold has been placed. I have reached out to their executive department to no avail my single response has been the generic we have our best looking into the matter. I contacted the branch manager via text message again and he did not respond. I called customer service as previously advised by XXXX to talk to risk management, on initial contact - they had said the home branch has the power to remove a hard hold and close the account. The branch manager says this is not true that he has no power to close the account and release my funds. On repeated request to speak to risk management - no one in customer service can transfer me now. On XX/XX/21 I called customer service and was informed the account is still pending closure despite it going on three weeks and pending an investigation. I was told by XXXX XXXX the home branch representative via telephone she would call her back office for an update. No call has been returned. No email has been returned. No update. No accurate information has been relayed. Conflicting information between the departments has been provided. I just want the account closed as soon as possible and my funds to be released. The check did not return. They could not furnish proof it returned. So why is it taking so long to close the account and release my funds. They have yet to give me an answer. It was initially going to close within 2 days. Then pushed back to 1-2 weeks, now its nearing the month since I made my deposit and they have not closed the account or returned me my money. They have declined to return my calls are communicate with me via email. Im going to take an educated guess that they are not longer responding to me or transferring my calls because of the conflicting information between : XXXX ( branch manager ), XXXX ( branch representative ), customer service and risk management. | ||||||
| 04/11/2016 | Yes |
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| On XXXX/XXXX/2016, U.S. bank put through a charge for {$710.00}, even though I did not have a positive balance at the time of this charge. The charge was submitted, using my debit card, by XXXX car rental. It has been established by everyone at the bank that we contacted, that we indeed opted out of any and all over draft possibilities. Once I discovered the error, I contacted the bank, and spoke to several people. Including 2 supposed supervisors in " customer " care ''. I will include their name and contact info as hard copy attachments. the explanations were nonsensical. The included, " probably happened '', etc., but not hard evidence, or any evidence at all. The last " supervisor '' XXXX, actually suggested that an " authorization '' was obtained on XXXX XXXX, for {$160.00} by XXXX ( although there was never a charge for that amount per my statement ) therefore according to XXXX, they were able to increase that authorization to {$710.00} on the XXXX of XXXX, a full 18 days later, with no further authorizations ever taken place. When I told him that was a preposterous scenario, and that 's not how the authorization process works, he scoffed and invited me to file a complaint. That was after I asked him to credit my account, as it was clear to me, that a error had occurred at his bank, and laws were broken per the XXXX ( XXXX ) regarding the opt out version as well as the bank unwillingness to supply me with supporting evidence, such as Authorization number etc. I also asked him in a return phone call to ( both phone calls to XXXX were on the XXXX of XXXX, 2016 ) please supply me with the authorization number for the supposed {$160.00} authorization on the XXXX of XXXX. He said he did not see XXXX on his screen. Therefore, he could not supply XXXX to me, but would to the regulator if I filed a complaint. I think its important include the fact that I initially contacted the bank on the XXXX of XXXX, and they got back to me on the XXXX ( today ) of XXXX for the first time. I expressed to everyone that I spoke to at the bank, that I simply want my account credited, and nothing more. And of course for the error to be corrected, so this does not happen to anyone else. They all tried to make this about XXXX. I said it has nothing to do with them. As they attempted the authorization, and your bank should have rejected it, based on my account having far less as a balance, then the attempted authorization. that is per the XXXX. As you will see on my statement, they have in the past charged me {$2.00} per declined attempt at a transaction. It coincidentally happened twice on the XXXX of XXXX. So it is possible for them to decline transactions, when the balance is less then the asking amount. In short, my contention is the bank made an error, and broke the law on several different point, according to the XXXX. this much is clear. It comes down to arithmetic. If an account has a negative balance, then an attempt to have a {$710.00} charge should and has to be rejected/declined ... period. No room for ambiguity. But they refuse ( d ) to comply with the law. Flatly refuse. And also insulted my intelligence and character on several different occasions, with ridiculous scenarios. Please bring them to justice for me, and anyone else this bank attempts to railroad. I should not have to waste my time, and the governments, with this process. They should have corrected the issue. They act like bullies. " Go ahead, file a complaint '' said XXXX. Wow. And he is purportedly, a supervisor in " Customer care ''. PLEASE HELP! Thank you in advance. | ||||||
| 01/29/2024 | Yes |
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| Formal Demand for Payment of Application Asset-Backed Security Special Deposit Based on Equitable Subrogation To : State Farm From : XXXX XXXX, as Trustee for XXXX XXXX XXXX Date : XX/XX/year> Re : Demand for Payment of Special Deposit - Account Number XXXX Dear representative This letter serves as a formal demand for the immediate return of funds held in a special deposit account associated with an application asset-backed security ( ABS ) within my cestui que trust account at State Farm, Account Number XXXX. These funds are rightfully due to the trust pursuant to the doctrine of equitable subrogation. Background : I, XXXX XXXX, am the duly appointed and acting trustee for the XXXX XXXX XXXX established for the benefit of XXXX XXXX XXXX. On XXXX, the trust, through my authorized actions, entered into an agreement with State Farm for the purchase of an ABS designated as application. This agreement stipulated the creation of a dedicated special deposit account within the trust 's accounting framework to hold the funds earmarked for the ABS purchase. As per the accounting records reflected on the balance sheet, under the " Accounts Payable and Accounts Receivable '' section, the extension of credit from the trust 's cestui que trust account to State Farm for the ABS purchase is duly documented. This extension of credit directly funded the special deposit account, establishing a clear link between the trust 's assets and the specific funds held in the designated account. Unfortunately, on XXXX, breach of fiduciary duties., the corporation became insolvent or misappropriated funds ]. As a result of this breach of fiduciary duties, the trust 's ability to access the special deposit funds and fulfill its obligations related to the ABS purchase has been jeopardized. Claim of Equitable Subrogation : Under the established legal principle of equitable subrogation, a party who pays off the debt or obligation of another is entitled to the same rights and remedies against the debtor as the original creditor possessed. In this instance, the trust, through the extension of credit from its cestui que trust account, effectively became a creditor of State Farm with respect to the funds held in the special deposit account designated for the ABS purchase. Therefore, due to State Farm 's breach of fiduciary duties, the trust, acting through me as the trustee, is entitled to step into the shoes of the original creditor and claim the immediate return of the special deposit funds in full. This claim is further supported by the documented extension of credit reflected in the trust 's accounting records and the clear designation of the special deposit account for the ABS purchase. Demand for Payment : I hereby demand the immediate and unconditional return of XXXX from the special deposit account associated with Account XXXX XXXX. Payment should be made directly to the designated trust account at the following details : XXXX. I expect a prompt response to this demand and confirmation of the date on which the funds will be returned. Should State Farm fail to comply with this demand within 3 business days, I will be forced to pursue all available legal remedies to protect the trust 's rights, including but not limited to initiating legal action to recover the full amount of the special deposit funds, along with any accrued interest and legal fees. I trust that we can resolve this matter amicably and efficiently. Please do not hesitate to contact me at XXXX or XXXX discuss this matter further. Sincerely, XXXX XXXX Trustee for XXXX XXXX XXXX | ||||||
| 03/22/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois US Bank loan number XXXX XXXX XX/XX/XXXX Complaint against US Bank Home Mortgage On XXXX XX/XX/XXXX US Bank and myself entered into a Settlement Agreement due to US Bank 's admission of errors in processing and applying payments in a timely manner. US Bank, starting in XXXX of XXXX, has made numerous errors in processing and applying payments. Also, US Bank is in breach of the Settlement Agreement. The Settlement Agreement states that as of XXXX XX/XX/XXXX, " Borrowers will be due for the XX/XX/XXXX installment of {$480.00} ''. The final court date was XXXX XXXX, where I gave the US Bank council, XXXX XXXX, a check for {$480.00}. This payment was not applied until XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, US Bank assessed a late fee even though my XXXX payment was made on the XXXX. US Bank also held funds in a suspense account, of which said suspense account is not in the Note nor Security Instrument. US Bank took {$39.00} from said suspense account for XXXX 's payment, meaning US Bank overcharge me {$39.00} for the agreed {$480.00}. A letter from US Bank attorney XXXX XXXX XXXX dated XXXX XX/XX/XXXX states, " Enclosed please find check number XXXX in the amount of {$480.00}. These funds were received in accordance with the attached Settlement and Release Agreement. '' This proves US Bank is in breech of the Settlement and Release Agreement. On the XX/XX/XXXX Mortgage Statement, US Bank did not apply the XXXX XXXX payment of {$480.00} to the total amount due. The Statement also shows {$320.00} in a suspense account. This is in breech of the Settlement Agreement. According to the Agreement, " Lender waives any past due amounts that have been incurred on the Subject Loan through XX/XX/XXXX. '' While the use of a suspense account is a breech of the Security Instrument and Note, any funds in the suspense account were to be applied to the principle. The XXXX XXXX Mortgage Statement does not reflect the XXXX XXXX payment of {$480.00}. This is in conflict with the Customer Account Activity Statement that shows the payment was made. As per the Customer Account Activity Statement, XXXX XX/XX/XXXX US Bank charge a Property Preservation fee of {$15.00}. Property Preservation fees are not in the Security Instrument nor the Note, therefore, US Bank is in breech of the Security Instrument and the Note. All Property Preservation fees should be refunded with interest, applied to the principle, and the account be reassessed from XXXX XX/XX/XXXX to the current date. In a letter from US Bank Customer Advocacy Specialist XXXX XXXX dated XXXX XX/XX/XXXX, XXXX XXXX states " Your payment increased from {$480.00} to {$540.00} effective XX/XX/XXXX ''. This is proof US Bank is in conflict with itself, and in breech of the Settlement Agreement. I request the account be reassessed from XXXX XX/XX/XXXX to the current date using the Customer Account Activity Statement, and the history of payments I made at local US Bank branches, applying payments on the dates payment were made. I strongly advise that US Bank actually read the Security Instrument and Note to see what I agreed to in XXXX of XXXX when securing this mortgage loan, and how US Bank is operating without, meaning the opposite of within, the Security Instrument and Note. This letter and attachments will be filed in the XXXX XXXX XXXX, XXXX, Illinois, and used as evidence in the XXXX XXXX XXXX in XXXX. XXXX, Illinois, to appeal the wrongful forecloser by US Bank. Be advised, the XXXX XXXX XXXX has agreed to hear this case. XXXX XXXX | ||||||
| 03/15/2016 | Yes |
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| I have a prepaid debit card issued by US bank as a vehicle to receive child support payments from the State XXXX. Recently US bank instituted a policy that changes the requested authorization holds at gas stations from the requested {$1.00} 3 day hold to a {$75.00} 10 day hold. The reality is that most merchants batch their credit card transactions daily, authorization holds should not last more than the requested 3 days. I recently visited a gas station to purchase gasoline with my US Bank issued prepaid card, and there was an issue with the pump which caused the transaction to time out without allowing me to purchase gas. I tried a second time and was only allowed to purchase {$9.00} of gasoline, although I had {$84.00} available before I began trying to purchase gas. Confused about what was happening, I contacted US Bank on the phone number on the back of my card. I was greeted by a representative that informed me that it is the policy of US bank to place a {$75.00} hold on child support funds issued on my card for 10 days anytime I purchase gasoline with the card. I informed the representative that I was not able to complete the first purchase as the machine had timed out so no purchase actually occurred. I asked her what I needed to do to get the {$75.00} authorization released so I could purchase groceries with the remaining funds as I planned to do. She casually told me that it was impossible to have the inaccurate {$75.00} hold released that was placed in error with the gas pump timed out and that I needed to wait 10 day for US bank to release the funds back to me to be used for the purpose intended ( child support ). I asked to speak to a supervisor and I was transferred to a person who identified herself as XXXX XXXX. She casually and callously told me that I should have read my disclosures and that even though a gas purchase did n't actually happen, since I entered my card into the gas station pump, I am subject to the {$75.00} hold for 10 days. I explained to her that the gas pump had an error and did n't provide me with gas, so purchase was actually completed, and I was told that was my problem and that it was impossible for the hold to be removed by US Bank. I find it incredibly concerning that a company as reputable as US Bank would make a decision to do this to people who depend on these child support funds to care for their children. First of all a {$75.00} hold is excessive in the first place, and for many families like mine, that is the amount of money spent buying groceries for a week. A purchase of gasoline, which cost less that {$25.00} should not warrant a {$75.00} hold. Secondly a hold of any amount for a period of 10 days is incredibly excessive. When errors like this occur, US bank is taking food from the mouths of children for almost 2 weeks due to a computer error that cardholders did not cause. It is already unfair enough that a financial institution, is allowed to hold these funds and not be required to pay interest but to not be held to the same rules as bank accounts, which are required to release holds within a reasonable amount of time, is simply unconscionable. This needs to be investigated as it is absolutely unfair to card holders. I did not cause the error at the gas pump and I am being punished as a card holder by US Bank for this problem. Not being able to purchase groceries for 10 days is simply unfair. US Bank should be held accountable and made to revisit this policy that renders card holders helpless in these situations, with excessive hold amounts for excessive time frames. | ||||||
| 10/18/2017 | Yes |
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| To Whom it may concern, I received a call from a company " Elavon '' on XXXX/XXXX/XXXX stating that I had a merchant account for XXXX XXXX I told the person on the phone it was n't me, his name is XXXX XXXX, he said he figured that since the information they used was old information and a number that was n't mine, they had to track down my number. He said he was sending me an email with a form to fill out to report with them that it was fraud, he asked for my email. He said he will stop the transactions from going through, I said good. I received the form, it was asking me for all my current information, social etc, I asked a friend of mine who is over XXXX XXXX XXXX and they said do not fill out that form, so I did n't. Especially when the form told me not to report anything to any government agencies. I looked at my credit report and seen that on XXXX/XXXX/XXXX Elavon did pull my credit. I figured, well, I did n't do it nor fill out any paperwork and I especially was n't going to provide that company with my personal information so I was going to ignore them. I heard not too long after that that XXXX had a data breach, I went to their site and it confirmed I was one of the victims, the breach happened between XXXX XXXX XXXX XXXX which was around the time of the fraud. I then get another credit inquiry from them on XXXX/XXXX/XXXX that was un authorized, they already know in the system that I reported that was fraud and wasnt me, they even agreed that it wasnt as the information that was used was old information yet they illegally pulled my credit, I was furious and called them, I spoke to a lady for some time that reassured me it was necessary to do that so they could deem the account as fraud and had XXXX XXXX call me that next week to tell me he needed me to fill out that form or they will go after me, I said, I thought you stopped those funds and you ca n't go after me when you know it was n't me, I said you had to look all my information up just to get hold of me and that he needed to leave me alone, he said they will continue to pursue me. I explained that it was n't legal to do so, it was n't me, it was n't even correct information and that he needed to stop and hung up. On XXXX/XXXX/XXXX I get a letter from XXXX XXXX, in house counsel Acct # XXXX asking for {$7100.00}. I can not believe that in two weeks, this company allowed a fraud account to be opened without checking any of the information out, asking for print copies of ID 's or Social Security and charge up that much. You ca n't even usually get funds from a merchant account in that time frame so I do n't get it, especially you have to track down my real number, call me to verify before giving out those funds and I said it was n't me and to cancel those transactions which you said you were doing. Attached is the letter and the copy of the information sheet they tried to get me to sign, please help. not only has this affected my credit making my financial situation difficult by lowering my score so I ca n't refinance my home which I am in dire need of but they are still illegally pulling my credit. I already ca n't refinance my home which is needed so it will most likely cost me a {$300000.00} home. Account Company : XXXX XXXX XXXX XXXX Investigative Analyst XXXX Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX. XXXX | XXXXXXXXXXXX Pulled my credit on these two dates : XXXX/XXXX/XXXX ELAVON XXXX XXXX, TN XXXX XXXX ELAVON, INC Date of request ( XXXX ) XXXX/XXXX/XXXX - Options XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX | ||||||
| 09/24/2015 | Yes |
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| On XXXX/XXXX/15, a XXXX XXXX XXXX of US Bank in XXXX XXXX, XXXX, manually adjusted {$330.00} out of my business checking account. At that time, she also blocked the overdraft protection from covering the amount, and blocked subsequent bank deposits to the account. She has continued to demand cash payments to her only at her branch for the amount, plus additional fines and penalties. She has as has US Bank at her request, refused dispute and continues to escalate and harass to the point of blackmail demanding a cash payment to XXXX XXXX XXXX to make her stop, as the literal demand in writing, and is blocking paying the amount to make them stop, as a falsified debt that appears to be money stolen from my account by XXXX XXXX XXXX who appears to be a local public corruption with allies at US Bank who assist her in theft and fraud, block disputes, block payments, and are attempting severe criminal damage infliction to the victims as they clearly will not cooperate with dispute or payment of debt the victim 's do n't owe. Every story filed as a response is completely different from the last one that was also falsified. The only thing they have in common is that XXXX XXXX XXXX can do this, stole money out of my account, and demands cash to to be delivered to her in person at her branch where I do n't live and never did more than once go in to open the account originally a long time ago. She also appears to be a local public corruption figure threatening me personally continually and threatening " having bank accounts '' as per most people who have jobs working for the mobs or the gangs do n't even do, and attempted to steal myi rent payment last month. The continual disturbances by now are threatening my safety violently. The person has blocked paying them off to make them go away since XXXX/XXXX/15. Every story is different and they keep filing more of them with XXXX persons. I attempted to get the XXXX into mediated resolution and what they did is block paying the account other than in cash to XXXX XXXX XXXX at her branch in XXXX XXXX XXXX. I have filed the dispute with what there was at the time which is this continual plot twist playing " people will let me if I am a complete XXXX which plays in XXXX XXXX who as per the attached, also enable the taunting, the baiting, and the removal of legal protections from fraud and the mandatory right to dispute debt. It is illegal to collect or attempt to collect debt created with fraud as this was. I do n't have a way to file all the additional ongoing continual escalations and blackmailing for cash payments to XXXX XXXX XXXX that continue to barrage my working hours, evenings, etc until she also clearly is attempting to put her victims into the shelters with the financial damage infliction. She is also seeking my personal and subsequent banking information. She has my ID 's. XXXX was settled in XXXX XXXX from XXXX in the XXXX. it at the time as common for XXXX hate reasons, practiced Deprivation of Rights crime with the courts and frivolous falsifications. It has as this illustrates, continues to on a more general class war basis. The check was deposited XXXX/XXXX/15 and cleared my customer 's account XXXX in the normal XXXX time frame. She has also attempted to cover for the cash not balancing with her claims by recently falsifying claims that the check " bounced '' XXXX which is not the claIm on the original claim in writing that the check was reversed as a duplicate deposit which it was n't, weeks after it cleared my customer 's bank, once. | ||||||
| 01/23/2024 | Yes |
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| On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were inaccurate, and falsely reported. To this date I have not received a response for the requested information. I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Elan has responded by sending me a billing statement. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. In response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address and or a billing statement, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following : Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. | ||||||
| 04/29/2023 | Yes |
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| On XX/XX/23 I closed my credit card account with Elan Financial Services/Fulton Bank XXXX The balance outstanding was paid in full XX/XX/23. Since this time the account has been in a constant state of " We are in the state of closing your account ''. I can't seem to get the bank to close my account. There are no outstanding issues or balance on the account and every time I phone the automated system states that " The account is in the process of being closed ''. Well how many months does it take for that to occur. I want to be completely rid of this bank and everything that has to do with it, but the bank simply will not officially close the account. I have received a letter from the bank stating that the account is closed. My credit reports seem to be all updated stating that the account was " closed by consumer '' and showing a XXXX balance all in good standing. I have phoned the customer service department multiple times and have spoken to supervisors and managers who have all given me different answers to why the account is still showing " Your account is in the process of being closed '' it just doesn't make any sense. What in the XXXX do I need to do to get this thing closed down. When I called this week I spoke to a supervisor in the customer service department by the name of XXXX or XXXX who told me it could take several billing cycles to close which made absolutely no sense since there's absolutely no reason to keep it open. I called again tonight XX/XX/23 and after entering my cc number into the system my call was diverted to the FRAUD department and I didn't know that was the department I was speaking to for about 25 minutes when the woman admitted she didn't know what the procedure was for account closures?. I was so confused at this point why was my call getting channeled to the Fraud area since the account was closed and I was just wanting to verify that they had officially closed it. She transferred me back to the customer service department and I spoke to a supervisor by the name of XXXX and she told me that the account was " closed '' eventhough the automated system was telling me that " The account was in the process of being closed ''. Everytime I've called customer service to get an answer to why they can't close the XXXX account it's a different answer every time with answers that are strange and bizzare, none which are consistent with anyone else 's answer. I'm still unsure at this point whether the account is open or closed. She said that she didn't know who put a Fraud block on my account but it appears that eventhough I verified my account twice when I spoke to XXXX or XXXX earlier in the week that XXXX went in and requested a Fraud block on the account for reason I have no idea why. I verified the account twice what in the XXXX else did they want. I've had numerous accounts of this financial institution blocking my account with Fraud alerts because they didn't think they were speaking to the right person and I've addressed that in previous CFPB reports and I'm getting sick of it. You can verify your idenity until the cows come home with these people and it still wouldn't be good enough. It is so frustrating and aggrivating and I know they are doing it on purpose to XXXX XXXX XXXX XXXX XXXX XXXX removed the Fraud block from the account eventhough it's closed but once again had to go through the verificication process all over with codes being sent to my cell phone etc. These people have just proven that they are all idiots and want to make their cardholders lives a living XXXX. | ||||||
| 11/10/2015 | Yes |
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| XX/XX/2015, an officially " anonymous '' party at US Bank illegally and criminally made a manual transaction to my bank account to divert funds from a lawfully normally deposited and cleared check, to their person in a scheme that involved blocking further deposits to the bank account without notice and disabling the overdraft protection on the account, and instead demanding cash payments to herself by title the Branch Manager US Bank now claims is " not the Branch Manager '' in person only, after also modifying my US Mailing address to XXXX in the suburb of that branch I went into once over a year prior. US Bank refused to comply with dispute of the debt to the point of continued false statements to third persons made because most of them will permit them to and terminate the matter with whatever the bank claims. However, given the bank falsely reported all kinds of bizarre childish attention getting inflammatory fraud to third persons like XXXX, they kept claiming falsely to " represent clients '', e tc, all about the same XXXX {$330.00} check that they bank in fact blocked payment of when I attempted to in order to make the harassment stop nearly 80+ days ago by now, of a stalking problem that is still here and making up more ways to conduct terror falsifying inflammatory claims to third persons including about my US mailing address recently that as per the attached US Mail was changed to my residential address for convenience that US Bank changed to an old address in XXXX XXXX that they claim it was never changed from falsely just like everything else they claim, flipping on their claims every time, until the bank clearly refuses to comply with the law requiring mandatory dispute rights for any debt claim the bank makes, which it is still retaliating for seeking via XXXX or CFPB. It then removed all public services nationally, first claiming it did n't do that, now claiming it did. Which continues to violate the law about dispute rights in claims of debt the law does not permit be paid instead to private individuals in cash only that like the rest of it is not likely to be credited to our accounts and as with this, would not make them go away that way either. US Bank continues to taunt that it does not have to comply with dispute rights or anything else, and the retaliate for the Cease and Desist it was required to comply with on XX/XX/2015, in what instead continues to be taunting about the dispute rights by sending out false statements to third persons and the war it is conducting via CFPB requiring going back in here XXXX. Because US Bank can not be made to stop my harassment at the outset when it refused to comply with the Cease and Desist or the dispute rights. It can not be forced to stop taking retaliatory actions making moot any remedy obtained by any method, which is a direct XXXX response to the debt collection laws that do not permit the damage infliction, the fraud, the harassment via third persons, and cutting off all public services nationally to harass by a company that makes fun of our asset and of the law and anything else. The damage infliction is several thousand dollars from the denied bombardments up to XXXX a day from people the bank claims never contacted me like they have falsely claimed to represent my clients. To get a " spin '' response on the presumption that a bank would n't lie as this XXXX does continually. US Bank demands cash for any reason it claims to any person it wants and does not permit dispute. Which is what all this damage continues to result from. | ||||||
| 04/18/2023 | Yes |
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| I would like to make a request for assistance on a disputed matter on my State Farm US Bank Visa card. First I must make a complaint pertaining to how I was addressed and handled with a person at the consumer assistance line at State Farm US Bank Visa card. I called the assistance line at XXXX the first time back on XX/XX/2022. I was requesting verification of the exact amount of my balance because I was using another Bank Card balance transfer program. I knew that my balance at the time was {$10000.00}. The lady I spoke to did not know how to properly compute my balance and I wanted an accurate answer, that is why I called. She said she had to add my Extend Pay balance to my regular balance and she said my balance was {$15000.00}. I tried to talk to her and suggest that was incorrect and that my Extend Pay balance was already included in my posted balance. She said I was incorrect, I tried to explained to her why she was incorrect. She then said, " If you know the balance why are you bothering with me? '' I asked her why she was talking to me in this manor. She did not answer me. So I just hung up and hoped I was using the exact balance, which I was. She had either a very egotistical manor or just did not like where she was. Today I called to inquire why my Extend Pay balance was showing only {$3000.00}, round figures, when their website said that the Extend Pay usable balance started at 50 % of total credit line, and I only had {$1200.00} on Extend Pay. Again the lady who answered the phone had the same exact attitude of the lady I spoke to in XX/XX/2022. She would not answer my question. She just kept talking over me while I was talking. I explained that I would like to send US Bank a copy of the screen I was looking at on their website by either email or text, and she said she was not going to give me that information. Now I had made a commitment to a contract that I had with my XXXX XXXX XXXX based on what the website said. I told her that but she said she did not care. I requested to talk to a manager, she then put me on hold for XXXX minutes. She came back to me and said they were very busy and would take XXXX or more days for someone to get back with me. I asked if she said 3 days and she told me " I don't studder, yes 3 days, " So I just said good by. About XXXX minutes later I received a return call from a gentlemen. When he first started to talk to me he was very apologetic and respectful. But he would not even give me a chance to tell him the information. I then asked if I could say something. He said, go ahead, very sarcastically. I asked him why they are not honoring the terms the terms on their website. He said something but I did not catch it as I am hard of hearing do to Military action in XXXX. So here I sit I actually made XXXX commitments which I was depending on Extend Pay to give me time to pay for the Home Warranty and a set of hearing aids which I so desperately need. The people at US Bank have put me in a very bad situation. Now I would like to apologize for my self, as I thought I had disconnected the call on my cell phone with the lady I first spoke to today, and it did not disconnect and she heard me say something rude that did not intend for her to hear. Thank you for any help you can give me, XXXX XXXX XXXX. Contact XXXX Your submission has been received and a XXXX representative will be in contact with you soon! This a description of what took place. I sent this to XXXX through their " Contact Us '' feature on their website. I have not heard from them in anyway. ' | ||||||
| 07/16/2021 | Yes |
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| Please Note : Per a discussion with a representative at the CFPB call center, I have attached a PDF file with a detailed narrative and description of the problem. This PDF includes relevant details and supporting documentation. I wanted to be careful about including personal information in this description box. Please review the attached PDF for the full text of my complaint. I wish to file a complaint against U.S. Bank National Association for deceptive/abusive loan practices. I applied for a construction to permanent 30 year mortgage loan with US Bank in XXXX. I disclosed all my debt/property expenses and financial information. I asked about my existing debt, most notably a private mortgage on my current primary residence. The loan officer responded in writing that I could carry the new mortgage for which I was applying on top of what I was already carrying. I asked about down payments. I stated I wanted to avoid taxable events for this transaction, such as selling stocks or touching my retirement accounts. I was also told in writing that the bank would not need additional assets for qualification or closing beyond what I had shown in three non-retirement taxable accounts I provided on my application. I received a written set of disclosures from the bank which included a written loan estimate on XX/XX/XXXX. I signed the disclosures and fee agreement with the bank on XX/XX/XXXX. Later the same day, after I had signed the fee agreement, they began raising issues about debt-to-income ratios specifically related to the existing property expenses I had already disclosed and discussed with the bank prior to signing the application. I agreed to retire the private mortgage, which has since been completed. At no time did the bank issue a revised loan estimate. On XX/XX/XXXX I received a loan approval from the bank. It indicated a down payment that was {$100000.00} higher than what was on the loan estimate, an increase of 210 %. It referenced the prior loan estimate for more details, however the numbers were entirely different. Furthermore a condition of approval was that I needed to liquidate funds from other sources, specifically citing my workplace retirement account, and that the bank would not allow me to take funds out of one of the three taxable accounts mentioned above. I received notice from my employer of a pending salary increase. Between retiring the private mortgage and the pending salary increase it was a more than {$1000.00} positive difference per month over what was in my application. It has become evident that the banks written loan estimate and false and deceptive representations didnt comply with their own underwriting guidelines. The bank did not issue a revised loan estimate. To date the only loan estimate I have received from the bank is the one issued on XX/XX/XXXX. The bank 's actions have harmed me as a consumer. If the bank had not made false and deceptive representations I would have taken the opportunity to talk to other banks, research other products, and performed due diligence with respect to funding any down payment before proceeding with any application. Furthermore, if the bank had not made false and deceptive representations it would not have been able to collect fees from me, as I wouldnt have signed the disclosures which included the deceptive loan estimate. I hope the CFPB will fully investigate the banks actions and if found in violation of statute I hope the CFPB will pursue regulatory action and appropriate penalties against the bank and/or its officers | ||||||
| 09/10/2021 | Yes |
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| First off, this is NOT a complaint. This is a demand that a correction be made for an error that US Bank has made. Back on XX/XX/2020 my husband was involved in an almost fatal accident while I was 9 months pregnant. The car was deemed a total loss and we were so thankful that he was okay despite the terrible circumstances. We contacted our insurance company that next morning as the accident happened in the middle of the night when my husband was driving home from work. They began working on the case immediately and the insurance adjustor deemed the car a total loss within a few days. My insurance agent contacted US Bank and sent the payment XX/XX/2020. Prior to this, I made a phone call XX/XX/2020, the next morning after the accident, and I was advised by a US Bank Customer Service Representative not to pay as our due date for payments was the 30th of every month and to contact the total loss department. Our insurance agent did just that, since customers are not allowed to talk to the Total Loss Department. Prior to this accident, we paid on time, every single time, even though we only had the truck for a few months. Not only did I not receive ANY INFORMATION regarding my account, I did not receive statements, and my online account was deleted. There was no way for me to be updated regarding my account, and no way of knowing that something was wrong. Around the first week of XXXX I received a letter saying it was a charge off account, which was a complete shock, considering this was supposed to have already been handled and completed by XX/XX/2020. My insurance agent has sent over the appropriate paper work numerous times to only be told that US Bank never received it. She also sent the insurance check THREE TIMES and US Bank has rejected it. If US Bank would have accepted the check the first time around, then this wouldve been settled back in XXXX of XX/XX/2020. US BANK CAN NOT penalize me, the customer, for something that was their fault in lack of organization and communication. TOTAL LOSS ACCOUNTS DO NOT GO TO CHARGE OFF. We were told that once again last week by the Total Loss Department. If US Bank knew that my account was being dealt with in the Total Loss Department back in XX/XX/2020, WHY IN THE WORLD would they send it to be charged off? This is a complete and utter failure in communication, training, and organization from a company that is supposed to be held at the highest esteem. Now I am in need of a car and can not get one because of US BANKS mistake. My credit went from a XXXX to a XXXX for a reason that is NOT MY FAULT. It has my blood boiling that it has been absolutely impossible to get this resolved in matter of 10 months, going on 11 months now. Not only has this situation been extremely frustrating, I am continually having to relive the traumatic experience in almost losing my husband while being 9 months pregnant. How much is a life worth to you, US Bank?? I have been run around by countless different employees, where no one has the answer and according to them, I am always in the wrong, especially in the Consumer Recovery Department where the representatives have told me incorrect information and have not delved in deeper to find a solution. I have never dealt with a company so unorganized with employees so rude. Sadly, I will be telling everyone to not bank with US Bank because of this headache of a situation I am in that is NOT MY FAULT. I am looking for this to be corrected immediately. I am being held captive by a company that is unwilling to do what is right. | ||||||
| 07/19/2017 | Yes |
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| I have been disputing credit reporting with XXXX XXXX/XXXX XXXX XXXX for approximately 6 months. When the account first appeared it appeared as XXXX XXXX XXXX and approximately 2 months ago XXXX XXXX assigned the account to a 3rd party collector XXXX XXXX XXXX to collect on their behalf. I have sent six request for validation ( 2 to XXXX XXXX and 4 to the credit bureaus ) of this debt to XXXX XXXX and two ( one to XXXX and one to credit bureaus ) to XXXX XXXX XXXX. In return I have received every response from a fraud alert to being called frivolous to a letter stating more time is needed to validate, and the many bill associated with this account HOWEVER neither company has validated the account. I also explained in all letters that I was informed by the credit bureaus that there is a mixed credit file with my name and account, which is also why validation of ALL of my accounts are imperative. At this point I feel my rights are being violated as under the FDCPA, I have the right to request a validation of this debt and these companies are legally obligated prove that I am indeed the party who is contractually obligated to pay off this debt. Over and over again I have asked these companies for A ) a copy of the agreement with my signature, that authorizes XXXX XXXX XXXX to collect on this alleged debt. B ) And for a copy of the agreement that bears my signature where I promises to pay the original creditor. In return I have received nothing but bills, which are legally not an acceptable form of validation. When I try contacting the companies by phone I get nowhere. On my credit report I dont have a complete account number and when I call both companies because I am unable to get past verification, as the account is not mine, I get nowhere in clearing up the matter. Both companies told me to request information in writing however when I did that I still got nowhere. When I am contacted by phone, its like a circus. On XX/XX/17 I spoke with XXXX agent XXXX at extension XXXX and was told because the information doesnt match he cant do anything about the account but remove the contact information. When I asked since they are aware that it is not my account what is done? He stated that all they are instructed to do is remove the contact information. When I asked do they at minimum forward the files to another department to get them removed and he said no. When I referenced they are knowingly reporting false information he responded, we cant talk to you because the information doesnt match. I get the same like response from XXXX XXXX. They know the information dont match but refuse to talk or give me directions to remove it or remove it themselves. I also feel like XXXX XXXX XXXX is in violation of Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. In the last complaint response XXXX stated they are the first party creditor however they are not. On my credit report the account is listed as purchased from XXXX XXXX and when I spoke with the supervisor at XXXX on XX/XX/2017, he stated that XXXX is assigned accounts from XXXX XXXX for collection, both of these situations suggest that XXXX is acting as a 3rd party collector and in accordance to the Texas secretary of state website, XXXX is not bonded to collect in Texas which makes all of their collection efforts illegal. | ||||||
| 06/16/2021 | Yes |
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| Please see the attached letter to Fidelity 's fraud department following their denial of my dispute. I followed up again with calls again with no response and then closed the account last month. I have only paid for correct charges and I have never received a response to my letter. XX/XX/2021 Cardmember Services XXXX XXXX XXXX XXXX, North Dakota XXXX XXXX : Fraudulent Activity on Card # XXXX XXXX XXXX XXXX Dear Sirs : I am writing you to appeal a decision by your Fraud Prevention department to reverse charges on my account referenced above. First, I have been a cardholder in good standing for over 20 years, and if you look at my history, I have rarely reported a fraudulent claim. For the last 9 years, I have used this card for business purposes for my XXXX XXXX XXXX and rarely had an issue. I have the number set up for my office manager to use the card for business purposes for services rendered and she has access to the number for that purpose. The account is reconciled and paid in full on a monthly basis. The following are the series of events : XXXX XXXX I phoned cardmember services to inquire why the recent charge and been blocked and why I had not received the replacement card. The service rep unblocked the card and informed me that I should receive the replacement card by the end of the month, although the card expired in XX/XX/XXXX. On XXXX after I paid the balance on my account of {$19000.00}, by office manager brought it to my attention that we had not received the new card AND that there was some unverified activity on the account. I phoned cardmember services again and was told this time, that the card was received and authorized by someone claiming to be me on XX/XX/XXXX! I informed cardmember services that I did not receive the card and did not authorize these charges. Charges were reversed. The card was cancelled that same day and I put a fraud alert in my credit report. On XX/XX/XXXX, I received a letter from your XXXX XXXX stating that all of the fraud charges were determined to be authorized during this period and the charges were reinstated on my account. The letter was dated XX/XX/XXXX, so there was a delay in opening, but when I called that week, XXXX insinuated that I was lying and refused to reverse the charges again. A few days later, I received a call from XXXX supervisor and I explained that the card was stolen and that I did not authorize any of the charges in XXXX e-mail, except the one for XXXX, which is a monthly charge that is set up for automatic payment. She again insinuated that since I authorized the charge ( although I explained it was not me ), they would not reverse the charges. I am appalled at how Fidelity is treating me over what is clearly identity theft and a stolen card, after over 20 years as a customer. If you look at the history of this account, these charges are not my usual activity, and I have seldom disputed a charge in over 20 years, while remaining in good standing. I have filed a Police report with the XXXX XXXX XXXX for identity theft and I am insisting that Fidelity reverse these charges and pursue the fraudulent charges as I reported. I have attached the letter from XXXX as well as the Police report # XXXX filed on XX/XX/2021. Around this same time, my storage with some business files was broken into and I someone tried to cash a counterfeit check at my bank account. I can be reached at XXXX, and I would like an immediate resolution to this matter. I intend to close my accounts with Fidelity over your mishandling of this matter. | ||||||
| 02/25/2020 | Yes |
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Web | Older American, Servicemember |
| XX/XX/2020 II XXXX XXXX went in to XXXX us bank to discuss more overdrafts they keep taken from my account along with these account balance fees of $ XXXX when it was decided to put back those funds. this was at around XXXX .then I SAID I WOULD LIKE TO PURCHACE TWO XXXX XXXX CASHIER CKS WHICH I PAID FOR FROM MY POCKET NOT MY ACCOUNT HE THEN TOOK MY CASH {$200.00} WHEN HE RETURNED WITH MY CASHIER CHECKS ALONG WITH ITEM # 4 TO SIGN HE WHENI ASK WHAT THIS WAS FOR HE SAID THIS IS FOR THE CASHIER CKS I DIDNT THINK NOTHING ABOUT IT .AND I SIGNED IT NOT KNOWING WHAT HE DID TILL XX/XX/2020 WHEN I WENT TO MAKE A WITHDRAWL FROM A XXXX XXXX BRANCH AND IT WAS THEN I WAS TOLD I HAD NO MONEY IN MY ACCT EXCEPT {$36.00} FROM A OVERDRAFT FEE. I ASK FOR A PRINT OUT AND THEN KNEW WHAT HE DID TO ME.I CALLED THAT BRANCH UP AND SAID I DIDNT WITHDRAWL {$73.00} FROM MY ACCT HE SAID YOU SIGNED THE SLLIP AND I SAID BECAUSE YOU SAID IT WAS ONLY FOR THE RECIEVING THE TWO CASHIER CHECKS .I THEN CALLED XXXX POLICE AND EXPLAINED MY COMPLAINT AND THE OFFICER WENT TO THE BANK TO TALK TO THEM AND WHEN THE OFFICER CALLED ME BACK THE ONLY THING THAT WAS DISCUSSED WAS THE OVERDRAFT FEES AND NOT THIS {$73.00} THAT WAS TAKEN FROM MY ACCOUNT AND BECAUSE OF THAT THE OFFICER SAID THERE WAS NOTHING HE COULD DO. SO FRIDAY THE XXXX I CALLED XXXX POLICE AGAIN AND THIS TIME I MET WITH OFFICER XXXX AND SHOWED HIM MY PAPER WORK AND HE LOOKED AT IT AND SAID YOU GO BACK TO THE BRANCH WHERE THIS HAPPENED AND TALK TO THE MGR AND IF YOU CANT GET IS RESOLVED THEN CALL ME SO THIS WAS CLOSE TO XXXX XXXX XXXX WHEN I CALLED TO SEE IF MGR WAS IN AND IT WAS XXXX WHO ANSWERD THE PHONE THE ONE WHO TOOK MY MONEY AND HE SAID XXXX WOULDNT BE IN TILL TUESADAY XXXX. HE KNEW WHO I WAS AND I ASK HIM IF I WITHDREW {$73.00} WHY DIDNT I SIGN A WITHDRAWL SLIP HE SAID YOU DID .HES REFERING TO THE WITHDRAWL OF MY {$200.00} I GAVE HIM FOR THESE CHECKS ONLY. AND I SAID I WAS GOING TO SEE THE VIDEOS AND IT WILL SHOW THERE WAS NO MONEY GIVEN TO ME .HE SAID I WOULDNT BE ABLE TO SEE THE VIDEOS SO GOOD LUCK AND HUNG UP ON ME .SO TUES XX/XX/2020 I WENT TO TALK TO XXXX THE MGR AND HE WOULDNT EVEN TALK TO ME ABOUT IT ONLY SAID YOU SIGHED FOR IT I TOLD HIM THEN SHOW ME A WITHDRAWL SLIP FOE THIS {$73.00} HE SAID RIGHT HERE REFERNING TO THE ONE WHICH YOULL SEE IN MY DOCUMENTS ILL PROVIDE. I THEN WENT TO THE POLICE DEPARTMENT FOR THE SECOND TIME AND SHOWED THE OFFICER MY PAPERWORK AND DECIDED I HAD A CASE AGAINST THIS TELLER .I ALSO HAVE A RCORDED PHONE CONVERSATION WITH THE BANK MGR REFUSING TO LOOK AT ANY THING I HAD OR SAY .WHEN I ASK THE TELLER WHY DID HE WAIT TILL XXXX TO WITHDRAWL MY MONEY FROM MY ACCT WHEN I WAS THROUGH WITH MY BANK BUSSINESS AND LEFT AT XXXX HIS REPLY WAS I STUCK AROUND AFTER MY BUSSINESS WHAS FINISHED I SAID YOUGOT TO COME UP WITH SOMETHING BETTER THAN THAT. THE BOTTOM LINE IS HE TOOK MY {$200.00} CASH I GAVE HIM AND DEPOSITED IN MY ACCT ON XX/XX/200 AT XXXX WITH THE SEQUENCE NO ; XXXX AND HAD IT ON HOLD AND TOOK THE SAME {$200.00} AND PUT IN AS CASH IN AT XX/XX/ SEQUENCE NO '' XXXX THEN AFTER RETURNING WITH MY CASHIER CKS OF TWO {$100.00} CKS HE ASK ME TO SIGN THIS I SAID WHAT FOR HE SAID OH ITS JUST SHOWING YOU RECIEVED THE CASHIER CKS I TRUSTED HIM TO BE HONEST AND SIGNED IT THISWAS AT XXXX XXXX XXXXWHEN I LEFT THE BANK WITH MY TWO CASHIER CHECKS.THEN AT XXXX IS WHEN HE WENT AND WITHDREW MY {$73.00} OUT OF MY ACCT.AND WHEN YOU SEE THE VIDEO ON XX/XX/2020 YOU WILL FIND THERE WAS NO MONEY HANDED TO ME BY THE TELLER XXXX IN THE SUM OF {$73.00} I HAD LEFT THE BACK AT XXXX | ||||||
| 09/27/2021 | Yes |
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| Took engine to merchant to get a new engine in XX/XX/XXXX. Merchant put in an engine and odometer reading was XXXX. Check engine light came back in XX/XX/XXXX. Merchant and the company they purchased the engine from, XXXX, was trying not to replace the engine because warranty was for 12 months XXXX miles. They stated warranty was no longer valid because it had been longer than 12 months. We were able to get a replacement engine because we made the argument that due to COVID-19 we were not able to drive the car to get to the XXXX miles within the 12 months but merchant charged us for half of the labor for the install, which was invoiced on XX/XX/XXXX. Contacted Visa issued credit cards in XX/XX/XXXX used to pay {$5200.00} on XX/XX/XXXX service for first engine replacement ( {$3500.00} for XXXX XXXX XXXX issued Visa and {$1700.00} for XXXX XXXX issued Visa ) to get copies of statements from XX/XX/XXXX to begin dispute process if the replacement engine was not satisfactory. The engine had XXXX miles when we took car in for replacement engine on XX/XX/XXXX, which was XXXX. We took car back to merchant on XX/XX/XXXX because check engine light came on. XXXX cleared the code. We took car back in on Monday, XX/XX/XXXX because check engine light came back on. This time odometer reading was XXXX miles, which is XXXX miles and 76 days from when engine was replaced on XX/XX/XXXX. Warranty on the invoice from XX/XX/XXXX states warranty on parts and labor is 24 months or XXXX miles whichever comes first. Notes from the XX/XX/XXXX invoice states, Tech states engine pressure not accurate low oil pressure will suggest engine replacement. XXXX XXXX. Notes from XX/XX/XXXX invoice states, Tech sates engine is not producing oil pressure quickly causing rattle and causing camshaft to starve for oil after a few minutes oil starts to move through engine and noise goes away. But will continue to set code would suggest XXXX diagnose there may be a fix that we are not aware of. My husband picked up the car on XX/XX/XXXX and asked for a copy of the invoice from XX/XX/XXXX. Store manager alters the notes on the invoice before printing copy. He removes the language regarding the warranty on parts and labor for 24 months or XXXX miles whichever comes first on all repairs. Since XXXX XXXX XXXX does not know what is causing the code and same code appears after engine was replaced on XX/XX/XXXX. Since tech suggests we need another engine, advises us to take car to XXXX and XXXX XXXX XXXX is not providing warranty on the 2nd engine that was put in on XX/XX/XXXX, we request a refund for service performed on XX/XX/XXXX for {$5200.00}. We raised disputes with XXXX XXXX Visa card, not US Bank for {$3500.00} and XXXX Bank for {$1700.00}. Both disputes have been closed because the original purchase date was over 540 days old. When I called Visa customer on Friday, XX/XX/XXXX, I was told there was no limit on filing a dispute with a merchant. I have raised a complaint with Visa on XX/XX/XXXX for {$5200.00} because merchant put 2 engines in my car that got less than XXXX and has offered not proof that a replacement engine was installed on XX/XX/XXXX. The invoice from XX/XX/XXXX does not mention an engine being installed at no cost. I am asking for Visa to provide an exception to allow me to dispute this charge and get a full refund for the services to take car to XXXX as merchant suggest. The processor for my claim, XXXX, informed me on XX/XX/XXXX my claim would be closed due to the original purchase is more than 540 days old. | ||||||
| 11/15/2022 | Yes |
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| XX/XX/XXXX, XXXX I went to the US Bank location in XXXX XXXX XXXX to open a joint account with my mom. I had recently sold a car and had a check from my car company and needed a physical branch bank to deposit my check. I worked with a teller XXXX XXXX and I had told her specifically to open a joint account. The check was under my name and my mom 's. She asked for my information such as my employment, DOB, SSN, all sensitive information. During the whole transaction, she had me doing multiple things ( setting up my online bank and app, etc ). I was irritated because she was very forceful even after I voiced my opinion that I can set up the online banking from home. At one point she had told me that I was pre-approve for a credit card with US Bank. I specifically told her No, I have too many credit cards. My sister who also happens to be there and I were talking to each other about not opening another line of credit because I plan to purchase a home and wanted my credit to be in the best shape possible. After a couple of multi-tasking per XXXX request to set up my account, she had asked me to sign on their e-signature pad. Being so overly distracted by the unnecessary multi-tasking and crisscrossing of communication between the app on my phone and communicating with XXXX to 'make sure my account was running ', I signed for the e-signature pad when asked because I thought this was for joint account, as I HAD ASKED FOR. AT NO GIVEN TIME DID SHE TELL ME THAT I WAS SIGNING FOR A CREDIT CARD. I WAS UNAWARE. I HAD GOOD FAITH THAT THE INFORMATION I GAVE AND SIGNATURE I GAVE WAS FOR THE JOINT ACCOUNT, not used for any other services. After all the set-up, she turned to me and told me about their monthly maintenance fee but had great news for me. The great new was I was approved for a credit card and that my monthly fee is waived because of that. I asked her when I signed up for it because I did not sign up for it, and did not give her permission. She kept pushing the paperwork to me and onward saying she had told me. I realized that while I was busy trying to set up what XXXX wanted, she took this as an advantage of taking my personal information and signing me up for a credit card that SHE WANTED, and asked me to sign for it. I am unsure if she signed up my mother for a credit card as well but will be checking on her credit report as well. When I told her to fix it, she pushed the paperwork into me and told me that I can cancel the card next month since I dont want it. I was furious and asked for the manager. She explained that she and I miscommunicated. I don't understand how me declining the offer is a form of miscommunication, and why XXXX pursued the application. The manager was unprofessional and tried to deescalate, but I told him that at this point my credit has been hit hard, and that in my opinion, my information was stolen and fraudulently used without my consent. Yes, I consented to opening a joint account, but I did not consent my information to be used for other services. The manager initially offered me to cancel it on my own but had I not been educate on how credit reporting works, he would have also taken advantage of the situation. He gave me a second option to help me report it. He eventually filed for a credit report revert through US BANK and the letter I got back was that my report was not a soft inquiry instead of a hard inquiry. This should not even be an inquiry at all. At no point was this my FAULT and my information being exploited for their business gain is UNETHICAL. | ||||||
| 02/23/2021 | Yes |
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| I was receiving unemployment. I was using their usbank reliacard. On XX/XX/XXXX I went to the m & t bank in XXXX PA. bank number XXXX. At XXXX. I went to the atm enter my card at the time ending in XXXX. I wanted to take out XXXX. I punched in all my info the machine sounded like it was dropping the money. The cover never opened to dispense the money. I go into the bank and talked to a XXXX hair lady and she told me i had to call the number on the back of the card. I asked if I should try again. She said I could try again. So I go back out and try again with another XXXX. Still same thing. So now I'm out XXXX plus fees. I called number on the back of my card. Talked to someone and they told me i had to make copies of my receipt and fax it to them. So I do this. I then see the money is added back into my account. In the meantime I loose my card and have to get a new one. So I call and wait for it to arrive. The card comes and I check the balance on my card and see that it is minus XXXX. So I'm thinking mess up between old card and new card. So I call again to talk to someone. The guy I talked to said they deactivated my account. By this time I getting upset.. I asked how did the come up with no error occurred. The guy said he did not know that it is done somewhere else. Then he says They don't have to give you your money back. I told him that i was not lying about it and that i was not going to give up. That is two weeks worth of groceries.I hang up then call back talked to different guy, He tells me not to worry about the letter that the letter he had stated that it will take up to 45 days before a decision is final. So I hang up and wait awhile I call back and get the run around so I ask to talk to someone in charge. Her name was XXXX this was on XXXX she was senior something. she proceeds to tell me there is nothing that can be done. So I ask for copies of my statements and also for a copy of the documents on how they came up with decision. She tries to tell me she can't do that. By then I'm mad. I read the last paragraph on the letter I received on XX/XX/XXXX stating I may request a copy of the documents we used in determining the final outcome of the investigation if you would like to request copies of the documents or have further questions please contact customer service at the number on the back of your card. She asked me to hold on. she gets back on the phone proceeds to tell me i will have it within 7 to 10 business days. And that if I could provide new evidence they would look it over. The only evidence I have is the papers that came from the ATM. It is now XX/XX/XXXX and I still have not received the document that I'm entitled to. I did receive copies of my statement. I then call m & t bank and explained my problem to get more evidence. They tell me there is nothing they can do. I said what do you mean? Don't you tally your ATM daily was it over? You have video you can see I did not get no money. So to shut me up the young man gives me a phone number after talking to someone. I call the number and it the customer service number to check your account. I then talk to a friend who used to work at a bank and she told me that did not sound right. So she calls the bank where she goes to and that lady said that did not sound right and that she will look into it. I'm not a liar or a thief. I lost my son in XXXX. Left to raise my now XXXX yr old grandson. I'm just a grandma who has XXXX, I'm XXXX XXXX and trying to get by. If they would just check video they would see I did not get the money. | ||||||
| 09/08/2015 | Yes |
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| This is a very sad story I do n't want anybody else to live it again. I should have been living in my new home since three months ago but, because US Bank did the wrong thing, I am still renting for about the same amount I was going to pay for my own place. US Bank and its employees banned my dream to become true by not following the law, by discriminating me for my age and by not using proper customer service. XXXX XXXX, 2015 I decided to buy a house as my primary dwelling, and signed an electronic contract to buy the one at address XXXX XXXX XXXX XXXX, XXXX Arizona XXXX, with developers of the residential XXXX XXXX XXXX XXXX. The cost of the house was {$140000.00} and the house was going to be built and was going to be finished XXXX the XXXX, 2015. The loan terms included zero down payment, fixed interests for 30 years and {$15000.00} benefit from XXXX XXXX XXXX XXXX towards the loan. XXXX XXXX 2015 I received a laid off letter from XXXX XXXX XXXX XXXX XXXX, with ending date XXXX XXXX 2015, and started my job search. XXXX XXXX, 2015 I met with realtor to explain I was laid off and will start new job soon. Realtor told me he had referred me to US Bank because they had a better option for me with no PMI and that may reduce the monthly payment in about {$100.00}. Then I went to meet with XXXX XXXX, CRA Mortgage Loan Originator who was really looking at me in a strange way, I felt discriminated for my age, explained him the situation of the laid off I was going thru and the very possible new job. He asked me to send him an email with documentation for application. XXXX XXXX 2015 I sent an email to XXXX XXXX with all documents he had requested. I did send documents to US Bank for my loan application, like W2s, paystubs and statements from my bank account. This information was sent thru email, to XXXX XXXX, at the email address XXXXXXXXXXXX as he directed me to do it, dated XXXX XXXX, 2015. He never answered me back. Between XXXX XXXX and XXXX XXXX 2015 I needed help from XXXX XXXX, not only to know about the application process but mainly because I needed to buy a car. I did n't have a car and for my new job I needed one. XXXX XXXX offered me to analyze my situation and give me an idea on how much I could spend in the purchase of a car that would n't affect my house purchase. But he never answered me back. This part is the most hurting situation to my finances and frustrating aspect of all this because he never contacted me back with a denial or a possible solution. I had to buy a car in order to get a new job. XXXX XXXX 2015 I had to send thru email a written complaint to XXXX XXXX because he did not answer neither my phone calls nor my emails. Same XXXX XXXX 2015 Because I did n't get an answer from XXXX XXXX, I decided to send another email complaint directly to XXXX XXXX, XXXX 's boss. XXXX XXXX 2015 XXXX XXXX answered me with an email an a phone call saying nothing can be done. XXXX XXXX, 2015 After three months I have not received the written resolution about my home loan application I made to US Bank in the time set by current laws. US Bank and its associates discriminated me because of my age. US Bank did n't answer my calls or emails about how much I could spend in a car purchasing in order to get my new job and that unacceptable attitude affected my credit score. I have been affected emotionally, financially and socially by US Bank. It is imperative to be requited, recompensed, paid back from the damages ; detriment and prejudice exercised unlawfully by US Bank against myself. | ||||||
| 10/27/2020 | Yes |
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| This happen to me XX/XX/XXXX my card got hacked the card that was hacked threw my checking account my bank was US bank it wasnt a lot of money I think it was around 100 well the bank canceled my debit card and I went to the bank and got another one till they sent my other one out I went online to do a couple of loans places around me they said I do them online because No one was allowed in their business right now I thought when some places called me back cause I borrowed money on XX/XX/XXXX it was XXXX I borrowed it was legit Then I also got another u thought was legit called and said I was approved XXXX hundred dollars and I was moving and it would have helped a lot so the next day it was deposited in my account XX/XX/XXXX and I went and took of XXXX that morning and went head and both loans I paid everything I paid my building off and paid the moving trucks I had to rent I paid my rent and the deposit for the first month and I had to pay my electric and water to be hook up plus I had my telephone and internet and tv hooked up well I ran out of money so I went online and was going to pay it out of my debit card and my account was frozen so I called the bank they told me what had happened that someone deposited XXXX hundred in my account they said put my name on a stitumus check and it was a scam I didnt know do they told to call the fraud company with them I did they said feel out the papers when I got them and they was going to get everything took care off which they have been wonderful threw all this and I did all that I also started getting msgs threw my phone him saying that the cops are going to arrest me and everything I even took the pictures of everything told him I knew what he did and that bank was handling everything so and my baby got his stitumus check on XX/XX/XXXX too and it was already money gone out the account were I got hacked before this well I get my little boys SSI CHECK threw this account and I tried to have it stop threw the social security administration office but it was to late in the month she said if the account is frozen they will send my babys check back and they would deposit the check in my account I had to open well I had to make arrangements for one loan place to take the money off my new account and were had already tried my old account they thought I wasnt going to pay so they put my loan amount went from XXXX to XXXX with late fees and plus the bank deposited my sons check on the second day of XXXX so I tried to get it back from the bank they would not. Cause of the holds on it the branch manger would and by this time all the money that i reported about was back on their and the branch manager told me this which went on with her for two weeks that I wasnt getting my money my account was XXXX cause I had to pay him back which I explained to both the bank and fraud department that it was only supposed to be XXXX dollars for 5 years and that I had already used the money before I knew it was a scam and I couldnt get it all back it didnt matter to the branch manager she was rude called me some names and told me I wouldnt see a dime of my money and so I lost my home at the first of XXXX and I filed four complaints on her no one ever called back and then when I called the bank they wouldnt let me speak to her and it went on well I got a paper from the bank they gave home slll the money which was XXXX dollars and paid him XXXX the bank did now my account in negative and no one help me at all the only ones was the fraud department and the fraudulent department | ||||||
| 03/19/2021 | Yes |
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| On XX/XX/XXXX, I made an in-person {$20000.00} check deposit to my savings account. At the time of deposit, the teller ( XXXX XXXX XXXX ) provided a Notice of Hold indicating {$220.00} would be immediately available ; {$5300.00} would be available on XX/XX/XXXX ; and {$14000.00} would be available on XX/XX/XXXX. On XX/XX/XXXX, I returned to the bank to inquire why the {$220.00} and {$5300.00} was not showing as available. The branch manager, XXXX XXXX XXXX XXXX XXXX ; XXXX ), informed me that a longer hold had been placed because the " back office '' had reason to believe the check would not be paid. I asked when, as required under Reg CC, the notice to this effect was provided. MrXXXX XXXX stated no notice was required. Later on XX/XX/XXXX, I received an email from Mr XXXX stating a response to my question would be received within 15 calendar days. In this email, Mr XXXX ' manager 's, XXXX XXXX, phone number was also provided ( XXXX ). I called Mr XXXX and left a voice message ; never have I received a response from Mr XXXX. On XX/XX/XXXX, via US Mail, I received a new hold notice, dated XX/XX/XXXX, stating a longer hold had been placed indicating the funds would be available no later than the 7th business day after the day of deposit. I believe the 7th business day after the day of deposit would be XX/XX/XXXX - as indicated on the initial Notice of Hold provided to me at the time of deposit on XX/XX/XXXX. On XX/XX/XXXX, via US Mail, I received response to the email from Mr XXXX dated XX/XX/XXXX. In this letter, it states : " after this deposit was reviewed by our Deposit Risk team, along with your account 's transaction history ( more on this - see below ), we had reason to believe this check may not be paid. '' The letter went on to say if I had any further questions, to contact the XXXX Customer Service at XXXX. On XX/XX/XXXX, I called this number and spoke with XXXX, who said she would transfer me to the Deposit Risk Team. When transferred, I spoke with XXXX ( in the Fraud Liason Center ). When I asked to be transferred to the Deposit Risk Team, XXXX stated only the branch manager ( Mr XXXX ) can call them. Needless to say, I have found the branch manager ( Mr XXXX ), as well as his manager ( XXXX XXXX ) to be of no assistance. All of the funds were finally made available on XX/XX/XXXX ( the 8th business day after date of deposit ). In the meantime, I have been trying to determine what about my account 's transaction history would indicate the deposited check may not be paid. On XX/XX/XXXX, I called XXXX and spoke with XXXX. I asked XXXX to give me the following information regarding my accounts with the bank. I have had a checking and savings account with the bank since midXXXX ( XX/XX/XXXX ). I asked XXXX, during that period of time, how many items had been returned and how many NSF items had occurred. XXXX was unable to provide the information. To my recollection, there have been neither any returned nor NSF items. During this same time period ( midXXXX ) through late XXXX, I also had a HELOC and an installment loan with the bank ; both of which were paid as agreed. Which brings me back to the question, " what about my account 's ( bank relationship ) transaction history would indicate the deposited check may not be paid? And, why was the availability delayed until the 8th business day after date of deposit. Long story short, I believe the bank is engaging in UNFAIR, DECEPTIVE AND ABUSIVE ACTS AND PRACTICES ( UDAAP ). I appreciate any assistance you might provide. | ||||||
| 06/16/2015 | Yes |
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Web | Older American |
| U.S. Bank debited a check in the amount of {$150.00} purportedly drawn on a credit union in Illinois from our business checking account for XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, in the course of reconciling our statement ending XXXX XXXX, 2015, we reported the debit to U.S. Bank. On XX/XX/XXXX, U.S. Bank issued a credit in the amount of {$150.00} " to reverse an error '' posted on XX/XX/XXXX. On XX/XX/XXXX, we received written confirmation that the credit had been issued. On XX/XX/XXXX, U.S. Bank left a telephone message from U.S. Bank that there was an error in correcting the error. Returning the call, I was told that the check was considered to be fraud. After sitting on hold for XXXX minutes, I was told the fraud department would not speak to me because I was not considered to be an authorized signer on the account ( despite the fact that I had signed thousands of checks since opening the account in XX/XX/XXXX and completing all paperwork to be an authorized signer ). I was next told that the fraud department did not consider the check to be fraud. Then I was told the bank may think the check is fraud. I also was informed that a similar credit union check in the amount of {$38.00} had been debited from our account on XX/XX/XXXX. Those funds were immediately credited back to our account on XX/XX/XXXX as a result of the telephone conversations I had that day with U.S. Bank about the XXXX foreign credit union checks. I had telephone conversations on XX/XX/XXXX with several employees of U.S. Bank about the {$150.00} debit, including with XXXX XXXX, U.S. Bank Private Client Banker. I followed up these conversations in a letter dated XX/XX/XXXX with XXXX XXXX. All of these contacts and notifications occurred within 30 days of the XX/XX/XXXX statement. Over the course of succeeding weeks, I was told that I was not an authorized signer on accounts XXXX XXXX XXXX, XXXX has with U.S. Bank, not the authorized signer on XXXX XXXX XXXX account, and that there was no authorized signer on other accounts we have with U.S. Bank. Of XXXX business accounts with U.S. Bank, XXXX were totally messed up in the bank 's computer system. Clearly, there were ( and presumably still are ) problems with the U.S. Bank computer system. Of nearly all of our accounts were not properly maintained by U.S. Bank, there must be XXXX of accounts similarly affected. On XX/XX/XXXX, we closed the XXXX XXXX XXXX XXXX checking account that had been subject to the security breach by U.S. Bank. On XX/XX/XXXX, XXXX XXXX sent me an email confirming that the account had been closed and that " a check in the amount of {$150.00} will be issued on XXXX/XXXX/15 ( XXXX business days from the date the account is closed. '' XXXX XXXX further assured me that she would follow up with the fraud department. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from the U.S. Bank Fraud Department informing me that the Bank will not refund the {$150.00} because the Bank was not notified within 30 days of the XX/XX/XXXX XXXX XXXX XXXX XXXX checking account statement. U.S. Bank 's refusal to refund the {$150.00} is not supported by the facts. U.S. Bank was notified of the debit on XX/XX/XXXX when it XXXX issued a credit to the account. U.S. Bank was also notified of the debit on XXXX XXXX and XX/XX/XXXX in telephone conversations with bank employees and in a confirming letter to XXXX XXXX, U.S. Bank Private Client Banker. All of those notifications were within 30 days of the XX/XX/XXXX XXXX XXXX XXXX XXXX checking account statement. | ||||||
| 04/27/2015 | Yes |
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| Dear representatives of The Consumer Financial Protection Bureau, I 'm writing to you because I 'm facing some problems with one of my credit card accounts that I ca n't take anymore and I would like to get the professional assistance of your government agency in order to resolve this serious matter with them. I have a credit card account with Life XXXX Signature issued by U.S. Bank National Association located in the state of XXXX. I applied for this credit card when I received a pre-approved application by mail from them around one year and 3 months ago. The Life Miles credit card was mailed to me after I mailed the credit card application to the address they provided me. I traveled to XXXX in order to work there almost at the same time they mailed me the credit card but for some reason I never received the credit card by mail and of course I was not able to activate it because I never received it. I was offered a job in XXXX there and I traveled XXXX for work for one year and two months. When they mailed me the credit card application, they specified in the credit card application that the annual fee was free of charge. This was one of the reasons why I applied for the credit card. One of the reasons was that the annual fee was free of charge and also because I was getting some credit card benefits that were offered to me along with the credit card. I was planning to come back to NY to pick up my mail, pick up the credit card and activate it when I would be already back to The United States. I left for overseas before the credit card arrived and I stayed in XXXX for more than one year but on XXXX XXXX my mother passed away from XXXX in the state of XXXX. I traveled to XXXX, XXXX for the funeral and burial of my mother and to be with my family during this terrible time. I have been feeling very sad and destroyed by this that I did n't stop in XXXX but instead I traveled to XXXX, in XXXX. This is one of the XXXX. My wife is originally from XXXX and we were there for several weeks with my wife 's family because of the sadness and how hard it was for me and my family losing my mother. I returned to XXXX in the XX/XX/XXXX. When I returned to XXXX, I realized that U.S Bank was charging me some credit card bills for around 4 months without even notifying me or contacting me all about this matter. I called the credit card company and when I called the credit card company they informed me over the phone that they had sent my account to their accounts collections department and they also reported unfairly that I was paying late to the XXXX major credit bureaus XXXX, XXXX and XXXX. When I called the credit card company in XX/XX/XXXX to find out what was wrong, they explained to me that the Life Miles Signature credit card has an annual fee of {$65.00} but as I previously mentioned to you this was not mentioned in the pre-approved credit card invitation they sent me. I found out they were charging me around {$250.00} Dollars including the {$65.00} Dollars annual fee plus interest and late fees. This is very unfair to me. They were charging me an annual fee without even notifying me and I never received any phone call or voice message from U.S. Bank customer service representatives to inform me that I had an overdue bill. They never sent me e-mail messages even they have my e-mail address to notify me about this. My phone number in XXXX was also in service while I was in XXXX and they never called me to notify about this overdue bill. The only e-mail messages that I got were advertising. | ||||||
| 04/01/2019 | Yes |
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| I got a credit card when XXXX. encouraged Co-op members to apply for a XXXX XXXX with U.S. Bank. That was in XX/XX/XXXX. There have been constant problems with using the website to make payments. At times, U.S. Bank would offer a survey and ask from an extensive list whether the user was experiencing certain problems. Problems I experienced included website not loading components before timing out, not loading personal image ( When setting up account, instructions are to abort log-in for security reasons if image does not appear ), loading misspelled placeholders such as " image 2 '' in place of personal image, payment button never working in any browser other than XXXX XXXX but issued not stating this, ; and REPEATED failure of the system once logged-in to process activity such as making payment or allowing to move up date of payment. Frequently system will suddenly issue message " System unavailable ''. I can appreciate this if there is a security breach, but it happens so much that by late XX/XX/XXXX to early XX/XX/XXXXit takes an average of 5 days for me to be able to log in and stay logged in to make payments. A problem of less concern is that the system will recently display " available credit {$0.00} 00 '' rather than calculate it. At present I have been unable to log in to make payments for 3 weeks, and am quite concerned about whether U.S. Bank has jeopardized the security of my account. More than a month ago I changed both my phone number and address online. The old phone and address were not terminated until XX/XX/XXXX, so I would have gotten anything sent to either. After that, mail was forwarded and old telephone was no longer my number. U.S. Bank sent an anti'theft notice of address change to my former address, just as my bank did. So I know that the change was received. However, it seems either U.S. Bank did not make the changes to account or it has otherwise jeopardized security of account. Every time I log in from new phone number, the system requires multiple security questions be answeredeven though I select " remember this number. These were initially questions I had at one time selected, but then 3 weeks ago it required answers to questions I do not remember ever seeing before. Multiple times the system prompted me for last 4 digits of SSN but then asked if I wanted verification code sent to ( former phone number ). Other times it asked whether I wanted verification code by telephone or e-mail. I selected the option thinking that then I would select a-mail. My a-mail address has not changed. But when I selected this option, then the screen display stated that a verification code had been sent to my primary phone number. I did not receive such code, and so it seems U.S. Bank is sending the code to someone else 's phone number. On addition to these problems, 2 months ago I was charged an interest charge that was miscalculated. There was a small portion of the balance from previous month unpaid and U.S. Bank apparently applied the 26.99 % interest rate in its entirety to the remaining balance for that one month rather than calculate the rate on an annualized basis, resulting in a huge interest charge for one month. I ask that this be recalculated correctly. I am very concerned about security and U.S. Bank 's ability to maintain its own system for those of us who are clients without placing our accounts and information at risk. I can not believe XXXX would have selected this financial institution for its members if it had known the risks we would experience. | ||||||
| 12/02/2022 | Yes |
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| On XX/XX/XXXX I went to US Bank in XXXX XXXX Wisconsin to open up a checking account. I would like to make a note that this was the second time I went into this bank to discuss opening up a checking account and was told that I would get a {$250.00} credit when I deposited my check and I would have to wait until XX/XX/XXXX to receive one portion of my check and then on XX/XX/XXXX I would be able to have access to the rest of my check that I deposited. On XX/XX/XXXX I was also told the same thing when I went in there to get information on opening an account there were also some concerns about an old phone number being attached to my account that they said that belong to me so the first day when I went in there to open the account and I got to the point where they told me that this phone number could not be removed off of my account and I needed to wait I felt that that was a security concern and stop the process. I then called the main branch and asked if that number was removed off of my name so I can go in and open an account and I was told that it was. I also had some concerns about another card being attached to my account that was supposed to be removed on XX/XX/XXXX. While I was in the bank we called the XXXX bank card that is from US Bank while I was setting up the account with a banker and I was told that the card was removed off of my account. After opening the account I was able to withdraw {$20.00} from the ATM immediately out of the XXXX that was available to me and I do have receipts and documentation to prove that these were the amounts that were available to me after opening the checking account so I can deposit my check. When I got home later on that night I went online to check my account and I noticed I was - {$20.00} so I called up the US Bank after hours Help number and I was hung up on twice and told numerous different things. I was told that I was not entitled to any money at all and I had to wait 13 days to get anything from my account that I deposited. I was also told that a fraud alert was put on my account and I had to wait longer so they could verify the check that came from my lawyer. Nobody gave me a heads up about this and I even got a letterhead stating my account information and how much money that I had on the account and I had access to {$220.00} immediately. Now Im sitting here on ease when they knew I was struggling with opening this account in the first place I got no notification about having a negative balance of {$20.00} And already my first experience has been negative because I was hung up on several times. I believe they should let their customers know if there is a possibility that they cant receive their {$220.00} due to some technical difficulties that could happen which is not stated in their handbook. I have XXXX XXXX XXXX going on and it is the middle of the winter I am in between moving and my car is running very badly and will not go past XXXX miles an hour and I can not access my money at all now until the XXXX according to the lady after hours. This is very disappointing and upsetting because Ive had horrible experiences with banks for the past week and they were very well aware of this. Also I was rushed out and told that they were going to call security for no reason and I also said that I was going to call the police if they didnt set this account up correctly then they got nervous and started doing their job a little better they provide me a very little paperwork and very little information when I set up this account as well. | ||||||
| 05/26/2021 | Yes |
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| US Bank made an unauthorized deduction from my personal XXXX XXXX checking account. I leased a XXXX vehicle through US Bank onXX/XX/XXXX via XXXX XXXX XXXX Dealership ( see attached lease agreement ). My lease was for 36 months ; last payment was supposed to beXX/XX/XXXX ( see attached spreadsheet ) ; payments were required to be deducted automatically and directly from my bank account. 1 ) I was supposed to return the vehicle to the dealer on Sat, XXXX. 2 ) I called US Bank onXX/XX/XXXX ( per my XXXX phone records I spoke with a customer service rep for 9 min ), and asked if I would be able to return the vehicle on Mon, XXXX, since I was not yet over my expected mileage. The bank rep said I have a week grace period and could return the car on Sat,XX/XX/XXXX to any XXXX dealer. 3 ) OnXX/XX/XXXX I noticed US Bank made an unauthorized {$490.00} deduction from my bank account. I immediately called US Bank and spoke to a rep ( for 4 minutes ) ; I asked why I was charged another month and the bank rep said it was an error ; that my auto-payments should have stopped on XX/XX/XXXXand they would submit a claim to have me refunded. I didnt call my bank to dispute the charge, because I spoke to a US Bank rep who said they would take care of it. 4 ) On Fri,XX/XX/XXXX, I returned the vehicle to XXXX XXXX Dealership. As instructed by US Bank, I called to notify the bank that I returned the lease vehicle. My phone records show my phone call lasted 19 minutes as I was waiting on hold for a very long time just to notify the bank that I did return the vehicle. 5 ) OnXX/XX/XXXX, I called US Bank again to verify I would get a credit for the unauthorized {$490.00} deducted out of my bank account. I was on the phone for 26 min. The rep indicated they would follow up. 6 ) OnXX/XX/XXXX, after not yet receiving any credit or check, I called US bank again. On the phone for another 20 minutes trying to resolve this issue. The rep agreed there was an error and would escalate my issue to get me a refund. 7 ) OnXX/XX/XXXX, I received a letter in the mail from US Bank ( see attached letter ) indicating that my unauthorized {$490.00} payment was figured into a payoff amount that the dealer made. I had no idea that the dealer purchased the vehicle, and it is also not my responsibility to follow up with the dealership to get my money back that the bank took out of my bank account without my authorization. Per my lease contract, the bank was authorized to deduct only 35 payments from my bank. The 1st payment was included in my initial down payment of the vehicle. Anyone should imagine how shocked I am by this letter. US Bank stole money out of my bank account and continuously inconveniencing me by continuously calling US Bank. 8 ) OnXX/XX/XXXX, I called US Bank and spoke with 2 reps over a period of 1 hr and 3 min. The first person I spoke to acknowledged the issue and said hes seen its happened before. I asked to speak to a supervisor and he put me on the phone with XXXX. XXXX said US Bank is not responsible and I would have to submit a dispute with my personal bank where the money was deducted from. I was irate. XXXX put me on hold and never returned to my call. I can not afford to lose {$500.00} out of my hard earned money. This unauthorized transaction from my personal checking account should be considered illegal, unethical and direct theft. I can only imagine how many people this has been done to who didnt realize, or didnt have the patience to continue to follow the issue through resolution. | ||||||
| 05/07/2018 | Yes |
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| At the beginning of XX/XX/XXXX I was slightly behind on my mortgage and had I contacted XXXX XXXX XXXX XXXX where I have my VA home loan and asked about a any payment options available. I spoke with a female that told me there were no options other than paying the entire amount that day which was not at possible. I made the payment at the time I was able to and the mortgage continued behind. In XX/XX/XXXX I spoke called again just wanting to get the payment caught up and spoke with a male that told me I could do a repayment program which would have been nice to do in XX/XX/XXXX before it got more behind but was told there were no options. My typical monthly payment was {$860.00}. XXXX. On XX/XX/XXXX I agreed to pay {$1200.00} which I paid XX/XX/XXXX and would pay {$1200.00} also in XX/XX/XXXX & XX/XX/XXXX by the XX/XX/XXXX as the male told me and would pay {$1200.00} ( appr {$6.00} less ) in XX/XX/XXXX and then would be caught up. I was also sent a letter in the mail with this agreement yet never told that this would cause them to report delinquency to the credit bureau. On the acct I also have SCRA benefits applied. On XX/XX/XXXX I called to make the next payment and the payment arrangement had been randomly cancelled. The gentleman redid the arrangement and told me that the only change was that the XX/XX/XXXX payment of XXXX had been changed to the XX/XX/XXXX payment and I would pay the XXXX in XX/XX/XXXX which didn't seem like a big deal until I was reported to all 3 credit bureaus as being 60 days delinquent in XX/XX/XXXX due to the {$6.00}. I called on XX/XX/XXXX to make a payment and ask about the 60 day delinquency and was told that because I paid the XXXX and not the XXXX I was {$6.00} short so it was 60 days late because of the 6 days and my payment arrangement had been cancelled again. Whatever the mishap or computer glich was the man I spoke with in XX/XX/XXXX made a mistake when he switched them yet they did not care. At that point I paid the {$6.00}. XXXX and took out a high interest loan to get the rest of my mortgage caught up in which I paid {$1700.00} XX/XX/XXXX catching the payments up before it was another 30 days late. The XX/XX/XXXX payment was both reflected as per my bank acct and also shows paid on line on XX/XX/XXXX so it was not 30 days late for XXXX and it also paid the XX/XX/XXXX payment. The reason this payment was originally late is because I had a change from my XXXX XXXX orders to school orders for 2 weeks and then back to my XXXX XXXX XXXX. When my order switched for me to go to my required XXXX refresher course for my military job it XXXX my pay up in which I was not paid for almost a full month. XXXX XXXX XXXX has refused to take the late payment off all 3 of my credit reports for XXXX because it was not 30 days late and will not at least correct the XX/XX/XXXX delinquency reported to all 3 credit reporting agencies to 30 day rather than 60 when it was their {$6.00} error that made me 60 days rather than 30 days late. If I would have been originally been offered the payment plan when I first called it would have never been more than 30 days late in the first place. On XX/XX/XXXX they then sent me a check for XXXX for an over payment from several months prior that would have covered the {$6.00}. I just want all 3 of my credit reports to be corrected so it they accurately reflect that the XX/XX/XXXX payment was not late and that XX/XX/XXXX ( due to their mistake ) was only 30 days late but they are not willing to help or work with me at all. | ||||||
| 04/10/2018 | Yes |
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| I have been receiving calls from XXXX for a week. The calls are through the workday and into the evening. They don't leave a message. Today, I learned that the number is from U.S. Bank, and it is advertised on their mortgage debt collection webpage. Despite having no past dues owed, I have been getting these calls. I called the number, today, at XXXX after receiving another call with no message. A lady named XXXX answered the phone and asked me why I was calling. Once I told her, she told me that she couldn't hear me due to background noise. When I asked her to confirm if that was the case, she replied affirmatively ( confirming she could hear me ). I had made multiple calls from the office, today, and every person could hear me fine, so I suspected something wrong. I went to a silent room, and asked her if she could hear me, and she answered and told me that " no, she couldn't. '' I told her that I would call back, and she responded " okay. '' All this was fishy for someone that couldn't hear me once I told them I was upset about the calls I was receiving. I attempted to call back two more times. These two times, I was prompted to enter some identifying information about my property, and no one answered. At XXXX I called the number for US Bank on our mortgage bill, and I got a lady named XXXX. She confirmed we owed nothing and told me that she didn't know why I was receiving calls. She offered to forward me to the debt collection department, and I told her that would be fine, and I would report them to the government if the calls weren't stopped. At that point, she said, " let me try something. '' Then, she asked which phone number I was referring to. I told her, and she said that number was listed as a landline ( when it's actually a cell ). She told me that she would convert it to a cell phone in their system and mark it as " no consent. '' She told me that humans call cell phones - literally said that! So, once my phone was marked as a call with " no consent, '' the calls should stop. At XXXX XXXX, I received another call. I answered to tell them to stop, and it was a robocall. It asked me to confirm my identity. At that point, I hung up. I don't have time for this garbage. If it is U.S. Bank making these calls, they already get tens of thousands of dollars from me - why would they treat me that way? If it is someone spoofing U.S. Bank ( I highly doubt based on the shifty call I had with XXXX ), they should be shut down. The law needs to be amended. As the original creditor, U.S. Bank is free to do many things a debt collector can't. Under federal law, no debt collector can contact someone without meaningful disclosure of their identity. In this case, U.S. Bank would have broken the law, because no indication was given that this was the debt collection department at the onset of the call and before they started asking for personal information. Of course, debt collectors are not allowed to make repeated calls with intent to harass, but we know intent is difficult to prove. However, given that they have not left a message, I would say that they would have been in violation of both of these clauses, because no message identified them, and the lack of a message is definitely annoying and not helpful ( aka harassing? ). They also are not allowed to attempt to collect a debt greater than what is owed. In this case, they are attempting to contact me, repeatedly, when I owe nothing. This, too, would be against the law if it were amended to include the original creditor. | ||||||
| 09/15/2023 | Yes |
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| On XXXX, my son who is a new Minnesota XXXX, received a wire transfer from his XXXX XXXXr in the amount of {$6700.00}. The money was for to be able to secure a house in which he had to secure ASAP. Unfortunately the funds that was sent was not going to reach him fast enough by wire, so the advisor paid by another source and called to make me aware of the wire transfer. They were not aware that the account was mine until after the fact. I was ask to return the money via wire transfer. I was unable to send via wire transfer because a branch is not in my area. Instead, I sent money through a bill transfer. The transfer was going to take approximately 10 days. In the meantime, I used some of the funds through online purchases to get some things for my son ( a bed, toiletries, food, etc ). It was the holiday weekend and I had funds coming on the following Tuesday to replace the funds I used. On Monday, I realized my account had been locked and flagged for fraud. I called in and explained the dilemma and that i needed to make a deposit to ensure the wire transfer to return the money to my sons XXXX XXXX. I also explained to US Bank fraud dep. that my son had just opened his account with them and had not received his debit card for his advisor to use, so I gave him permission to use my account to receive the funds. I was told there was nothing else they could do. And I needed to contact the branch manager assigned to my account, and maybe they could do something. It took me over a week to be able to get some on the phone at the branch assigned to me. I contacted another branch only to find out my branch had a shortage of employees and that was the reason why no one was answering the phone. I finally reached the manager assigned to me, I was informed that I needed to get the XXXX XXXX to send a statement via email verifying the circumstances behind them sending the money to my account. Once she received it, she would see what she could do. Another week later, I reached back out and she said she have received an email but she would not be able to do anything. She told me to contact fraud department with my concerns. I call the fraud department only to be transferred and then hung up on after expressing my need to have the funds released as soon as possible. The money was not mine and I needed to get that money back to the owner. I explained how embarrassing it was to myself and to my son. The fraud department informed me that I needed to reach out to my assigned branch and that they were the only ones that could reach the back office. I try to call my assigned branch again, only not to get answer after XXXX tries. I called another branch told them my dilemma. Apologetically, they informed me that they would send an email on my behalf to my assigned branch while copying the fraud department trying to expedite the investigation and release the funds as well as take the lock off my account. There has not been any fraudulent activity done and I feel like US Bank is holding funds that dont belong to them for whatever reason. With my account being closed, I feel like the investigation is complete but as far as XXXXm concerned, I want my account closed after Im able to remove the funds and return them to the advisor. Unfortunately I cant find anyone who can tell me anything precise. I am getting the run around. US Bank should be held liable to putting me through such a hassle, embarrassment and other distress associated with not being able to pay someone money thats owed to them. | ||||||
| 12/28/2022 | Yes |
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| XX/XX/XXXX -ongoing I have been advised by legal counsel that I needed to make sure that my communication is documented. This has been an ongoing challenge to get my concerns, grievances, and frustrations rectified by this U.S. Bank. Dealing with this unresolved matter has caused nothing but uncalled for pain, suffering, and XXXX. It all started back in XXXX of XXXX with the efforts to end forbearance and place the loan in Loss Mitigation went downhill. The documents were sent out on several occasions to be signed by myself and the primary borrower. The bank representatives in the Loss Mitigation Department have failed to effectively communicate the expectations of this process ( application and documents. ) The bank has also failed to send out the correct split documents for both borrowers to sign in a timely manner. Multiple documents have been sent in error and unable to be tracked. The Relationship Specialist XXXX XXXX has been called upon numerous times along with her supervisor and still no response. She or the computer generated system have sent out letters stating that she is the Sole Contact Person for this account. I have had to constantly call and explain the details of my grievances to different people daily as XXXX XXXX has failed to respond to her assigned accounts. This has been a very stressful situation dealing with U.S. Bank and how inconsiderate most of the exchanges with the ( XXXX XXXX ) which turned out to be a waste of time as my true grievances as stated above was never documented on the complaint. All notes, recorded calls, tracking details, and review of the documents should have been reviewed as a part of the process. This matter could have been handled professionally and within a timely manner and I would not have to be arranging higher payment options. XXXX XXXX XXXX ( XXXX ) took the time to hear me out, research the account thoroughly, fix/cancel the known conflict with the reviews, and provide me with useful information outside of all the lies that I have been told. This interaction was long overdue but he is greatly appreciated. My hope is that this is the last of my grievances with completing this process. All I want is the application to finally be complete and updated on the new options. The way this bank is set up to meet the needs of consumers is extremely flawed and how it conducts its procedures is far from fidelity and consideration. Relying solely on a computer system to handle life changing transactions is catastrophic in itself. This was my response XX/XX/XXXX and still nothing has changed. US Bank has intentionally delayed the review process blaming it on incomplete or inaccurate information. This delay omitted potential opportunities to have a lower interest rate and feasible payment option. Now the banks only option for us now is to pay almost {$400.00} more on top of the current payment of XXXX for a trial and permanent modification. They spoke of the amount of payments in default but fail to realize that they are at fault as well by intentionally setting us XXXX XXXX Individuals who all struggled during the Pandemic in some form or fashion for failure and possible foreclosure. The banks are bigger than us smaller individuals as they refused to work with a HUD approved credit counseling agency to assist in Homeowner Mortgage Assistance. There is no consistency and no direct answers to help with the Loss Mitigation process. In filing a complaint with the XXXX XXXX I feel that the bank has retaliated against us as well. | ||||||
| 09/26/2022 | Yes |
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| On XX/XX/XXXX I opened a new US Bank Checking Account based on a bonus that they were offering on their website. They offered a {$500.00} new account sign-up bonus based on the following terms : - Enter the promo code XXXX when applying - Account must be opened by XX/XX/XXXX of this year - Total {$5000.00} or more in direct deposits within 60 days of account opening - You must enroll in online banking or the U.S. Bank Mobile App within 60 days of account opening The offer is not for existing U.S. Bank consumer checking accountholders, or had a U.S. Bank consumer checking account in the last two years. I completed all the requirements, fully and in a timely manner but I had not received my bonus after 90 days. I had then spoken with multiple US Bank representatives and they all confirmed with me that I had completed the requirements needed to receive the bonus and will process my request with the back office. Here are the details of those representatives : -XXXX XXXXXX/XX/XXXX XXXX PST XXXX confirmed that I should have received the promotion and will submit a request to the back office to get that processed. Said I should hear back within 1-2 business days. - XXXX XX/XX/XXXX XXXX PST I followed up because I haven't heard back and XXXX XXXX the same details that I should have received the promotion, but didn't see that a request was filed so she went ahead and submitted that again. - XXXX XX/XX/XXXX XXXX PST - I followed up again and she also confirmed that all requirements are met, but to wait XXXX more weeks - XXXX XX/XX/XXXX XXXX PST - I followed up XXXX more time and after reviewing my employer information, XXXX once again confirmed that I fulfilled my promotion requirements and said that I should have received the bonus by XX/XX/XXXX, and that he has made a case for this to be investigated. After all thosecalls and numerous follow ups, I finally received a callback on XX/XX/XXXX at XXXX from a USBank Representative named XXXX XXXX only for him to leave a voicemail stating that I would not receive the sign-up bonus because the code was " not intended '' for me. Here is why I have an issue with that remark : 1 ) I applied from the US bank website directly where this offer was advertised, not on a third party website. 2 ) I did not receive any sort of error message or a " not applicable '' when I first entered the code with my name and address in the application. 3 ) After my account was fully established, the US Bank teller that I had gone to in order to activate my debit card also confirmed that the promo code was applied and valid for my account. ( Date of visit XX/XX/XXXX ) 4 ) In addition to the bank teller at the local US bank, all 4 Online US bank representatives mentioned above stated that I had successfully completed the requirements to receive the bonus after reviewing my full account details. 5 ) I had never receivedany email at any point stating that my code was " not intended for me '' or any sort of email claiming that I did not qualify. For them to tell me that my code was notmeant for me after opening an account with them, paying their monthly account fees for the past 6 months ( only reimbursed as long as I maintain their minimum ) & calling numerous times and hearing otherwise from everyone else that works there is disappointing and very upsetting as I would not have taken the time to open a new account, provide my confidentialinformation and deposit my money with them if I knew I wasn't going to receive any incentive in the first place. | ||||||
| 11/04/2016 | Yes |
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| This is in regards to a discrepancy with my account following the XX/XX/XXXX. On the XX/XX/XXXX I deposited a check made payable to me in an amount of {$10000.00}. Due to this large sum, I spoke with XXXX named, XXXX to confirm when the money would be deposited, which she replied as within XXXX business days. When XXXX gave me the official receipt for this transaction, I was at first mistakenly given an official receipt for {$1000.00}, which I noticed instantly and asked for a corrected second official receipt for the correct amount of {$10000.00}. The first incorrect official receipt was ripped up by XXXX, therefore I am only able to present the second official receipt. On the XXXX, I received a mailed reply from the US Bank XXXX Department regarding the issue, explaining that {$9000.00} was deposited into my account for the banking error, which XXXX deposited {$1000.00} only. Around this time, I was also informed by my colleague that the amount of {$9000.00} was still sitting in his checking account. Concerned, I went to the bank on XXXX and spoke with their employees ( XXXX, XXXX particular ) regarding the money that was still sitting in my colleague 's checking account ( XXXX ). They told me that everything was fine, that the money was properly transferred from XXXX. I continued to visit the bank every morning till the XXXX to inform the employees that the {$9000.00} was still sitting in my colleague 's account. XXXX and the other employees continued to explain that there was nothing to worry about. XXXX also explained that if I wanted confirmation of the check being cleared successfully, I needed to give her my colleague 's bank branch zip code and his last XXXX digits of social security - which I later provided. XXXX supposedly received confirmation by referring to the XXXX Department where she spoke with a woman named XXXX and provided a handwritten note which said the case was closed between XXXX, and also told me in her own words " do not bother me anymore about this case ''. On the XX/XX/XXXX, I also personally spoke with an agent named XXXX with US Bank, who explained that there was no problem regarding the {$9000.00} in my account. Finally, on the XX/XX/XXXX, I was shocked to find detailed in my transaction history ( XX/XX/XXXX in the transaction date ) that {$9000.00} had been withdrawn without my permission, without any notice, reason, or comment. When I went to the bank to complain about this issue, I was met with lax employees with unhelpful response to this dire situation. I 'm in absolute shock by this because the employees at my branch are claiming they are completely without fault. I spoke with XXXX, but he waived me off, saying that I should retrieve the {$9000.00} from my colleague. XXXX continued to explain to me that the {$9000.00} that was previously added to my account was given as bank credit. He then asked about my nationality and my culture and told me to stop talking in an aggressive manner. On XXXX, I also showed XXXX documents regarding the {$9000.00} which was still held in my colleague 's account from XXXX through XXXX but he said he could n't trust the documents. The delinquency of duty by the employees makes me question the entire operation managed by US Bank. If the remaining {$9000.00} was never transferred in the first place, why was I told that the funds were transferred successfully in my account? Why was I repeatedly given assurance that everything was fine? How can I trust other banks if a member of FDIC has failed me? | ||||||
| 03/27/2017 | Yes |
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| I am having a problem with US Bank who is refusing to negotiate in good faith and continues to change the guidelines and rules for assistance. This is leading me into foreclosure even though I am in a position to afford my current payment. US Bank continues to make errors in the financial calculations, provides conflicting reasons for denial and is changing and disregarding the rules in order to deny me all options for assistance. I am a gainfully employed XXXX ( XXXX XXXX ) and I take care of my children in this home. What US Bank is doing is WRONG AND UNETHICAL. In XX/XX/XXXX, I acquired my home signing a purchase money loan originated with US Bank Home Mortgage. I timely tendered my mortgage payments as agreed for 5 years. However, in XX/XX/XXXX, my husband and I began having marital problems which eventually led to him moving out of our home. I lost approximately 50 % of my household income. As a result, I began to struggle to timely tender my mortgage payments. I did the best I could to keep up with my mortgage payments, going as far as depleting my savings and reserves, but eventually defaulted on my home loan and was moved to foreclosure status. In XX/XX/XXXX, I contacted US Bank 's agents advising of my struggles to make my mortgage payments. US Bank 's agents offered me an opportunity to apply for a loan modification. I completed and submitted the loan modification application along with all requested documents. After receiving what seemed like the paper chase and run-around, my loan modification was approved. However, the plan offered no payment relief. I appealed the decision but was ultimately denied due to me not being able to submit the required documents in a reasonable amount of time. I have re-engaged US Bank 's agents several times since and they recently told me that they have absolutely NO OPTIONS available. I do n't qualify for the government HAMP program because my loan was originated after XX/XX/XXXX. I am told that I do n't qualify for the traditional modification, because my payment is currently AFFORDABLE ( my DTI is supposedly below 31 % ) but US Bank has refused to provide information as to how they came up with this calculation, what income was used etc. US Bank also states that I am ineligible for a repayment plan because I do n't make ENOUGH money ( DTI over 38 % ). Once again, they do not indicate if they are taking overtime into consideration, or child support payments etc. They also tell me that the other programs they have are not available because I am more than 11 payments behind. I think they fail to point out that if they would have offered a reasonable program for relief when this first started I never would have become 11 months behind. How is it possible that someone who got divorced and lost half their income, with XXXX kids and a decent job is going to lose their home??? This just makes no sense. Why ca n't the late payments be put back into the balance of the loan? Or put into a silent second or deferred till the loan matures? What about a repayment plan?? Oh, they say I do n't make enough money for that, but too much money for a modification. What about increasing the term? I find it hard to believe that a giant bank that received billions of dollars in bailout funds from the government has absolutely NO OPTIONS to help me. I am a XXXX, working a difficult job as a XXXX and I am caring for XXXX children. This is heartless and ridiculous. The big banks get richer and crush the people below them and it is sickening. | ||||||
| 05/05/2019 | Yes |
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| I have been having problems with US Bank since Day one! This bank lied to me about everything. I applied for an account on XX/XX/XXXX. The bank said they are great, customer friendly, that the card I have has overdraft protection, and the only fee I'll get charged will be a {$6.00} fee for having the account. On XX/XX/XXXX I got the card and enter the world of problems and lies. First problem was you can't activate it online, even though I was told this was okay by the banker. Instead I had to register it online and then call in and register it again. Then when I started using it to pay bills I found out a whole new wave of restrictions I didn't know existed! I told the banker I was paying off the last bit of my student loans which was at {$3100.00}. Banker told me this wasn't going to be an issue. Turns out it was, because the account only had a {$1000.00} credit limit. I told the banker I was traveling, she said no problem. This was lie 2, because I can't use it out of state for security reasons. So, since I had over a dozen bills to pay I asked if I could transfer funds to a different account. First I was told no, then I called back later ( because they locked my card for the forth time ) and learned yes, but there's a {$2500.00} limit to transfer funds. So, I filled out the form which takes three days to process. On the third day I called back and found out lie 3, I can't transfer money to a bank account outside US Bank. So, I had to fill out a form for an account with there third party processor XXXX, which also turned out to be a waste of time because the transfer limit was {$1000.00} and it'll take five business days to process. All of my bills were due by XX/XX/XXXX and this was XX/XX/XXXX, so there was no way I could wait. I ended up using a friends credit card and I had to visit the ATM everyday before XXXX ( bank reset time ) and take out {$500.00}. So, now I had to waste time, gas, and patience going to the bank every single day. My local branch was open XXXX Monday-Friday and I worked at that time so I couldn't get to the branch easily. Then I noticed they kept double charging me for everything, they told me this was another " security '' issue and they would refund me the money once the charge is process. This so called security issue caused me to lose {$200.00} that I have yet to find in my bank statements. Things came to a head on XX/XX/XXXX I checked my balance and saw it was XXXX. I checked my estatement and it said I was charged {$30.00} and {$10.00} with a XXXX overdraft fee. I said this can't be possible since I have overdraft protection. I called there customer service line and learned lie 4. Even though I have overdraft protection, it doesn't apply to online purchases and since they " loss '' {$200.00} of my money two internet bills went through, so now I'm getting charge an overdraft fee. Since the girl over the customer service line since all she does is answer questions and she can't waive the overdraft fee, despite the fact I shouldn't have been charged in the first place, I had enough with this bank and left work early to go into the branch. The manager said I should have read the papers that explains all this and she refuses to give me the overdraft fee back despite the fact my account clearly says I have overdraft protection. They said they will refund me the money in 5-10 business days after I paid them. This bank needs to be seriously investigated for fraud! I want my {$200.00} back they stole and I want this overdraft fee gone! | ||||||
| 07/30/2022 | Yes |
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| When I opened the small business credit card account reacting to {$750.00} marketing cash back offer at {$7500.00} spent within 120 days, I was told that the company will honor the offer. Since the credit limit was sent at {$1000.00} per statement ( despite having a XXXX credit rating and no debt ) I was told by the US Bank Executive team member that in order to overcome the {$1000.00} limit and still meet the required spend I have to keep making payments at {$1000.00} intervals to free up credit for the transaction. This worked until XXXX when all of the sudden and without warning the US Bank decided to transfer the payment to a central payment escrow account thus freezing the available credit at {$1000.00} regardless of positive balance exceeding it. I attempted to work with the bank using following : 1 ) close the other US bank credit card account to increase the available credit : denied 2 ) increase the credit limit available : denied but available after 180 days review period which will put it behind the XX/XX/2022 {$750.00} marketing offer expiry 3 ) requested to have the offer to be extended to XX/XX/2022 ( an additional billing period so the billing spent can be met ) ; denied. 4 ) requested the payments to be made to the card directly instead of the central payment escrow account : denied. I was told that the transfer of the central credit payment to direct credit card payment will take 1-2 billing cycles thus it will take place after the expiry of the XX/XX/2022 deadline making it useless. I was also not informed why the central bill pay is mandatory at the US Bank as the company is actually holding the money in escrow instead of applying it the very day it received it but I was informed that it is done " automatically. '' This is despite the fact that I didn't ask for the billing to be done this way and contrary to my wishes. Subsequently the bank also denied a confirmation that the transfer of the central pay escrow to direct card pay will not affect the points already accrued on the account as result of the transactional activities. So in the last pay period I have had the following totals ( since XX/XX/2022 ) : {$300.00} positive balance {$1000.00} payment {$630.00} payment {$1000.00} credit limit {$2900.00} ( that if direct pay should be more than enough to meet the {$7500.00} spend ( as of XX/XX/2022 : $ XXXX XXXX {$7600.00} ). However as of today the card despite reaching an overall limit of spend at {$7000.00} ( {$480.00} more to go as of XX/XX/2022 ) the transactions going forward are being rejected : XX/XX/2022 {$90.00} XXXX XX/XX/2022 {$14.00} XXXXXXXX XXXX XXXXXX/XX/2022 {$54.00} XXXX It is obvious that the US Bank is blocking these transaction on purpose and keeping the payments already made in account pay escrow so the {$7500.00} is not met thus the offer 's terms will not be met by XX/XX/2022. After the offer deadline passes the US Bank will apply the credit to the account however it will be too late to collect what is owed. It is very disappointing that the US Bank will be playing games such as these and structuring its credit products in bad faith so the customers are not made whole. I attempted to be flexible and offer the bank several ways to address this issue but not to avail. It also appears that the advice given to me in XX/XX/2022 to address this problem by the US bank executive office was given in bad faith as shortly after my payments were stopped being credited to the account and sent instead to the central pay escrow. | ||||||
| 09/22/2015 | Yes |
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| In XXXX of 2015 I purchased my XXXX home from XXXX XXXX, financing with their lender - XXXX XXXX. A few months after closing on the home, my mortgage was sold to another lender ( as I was informed it would be ). My mortgage was purchased by U.S. Bank with the first payment to be made to them on XXXX XXXX, 2015, however, upon receipt of my first bill in XXXX, I noticed that the monthly payment amount was incorrect ( approximately $ 200/month higher than it should have been ). I immediately figured out that this mistake was based on the fact that the terms of my XXXX-XXXX-buy down ( clearly stated in my mortgage documents ) were not being accounted for. My first call to the customer service line to resolve this issue was met with, " I 'm sorry ma'am, that 's just what your payment is now, there 's nothing we can do about it. '' After I refused to accept this as an answer I was then transferred ( without my knowledge ) to the collections department. At this point, I was not late on any payments and the collections department was of no help to me. By the time I got off of that call, it was too late in the day to call back. Upon my second call to the customer service line, I was not given any answers, but told the issue I was describing would be " looked into '' and an inquiry request was submitted. About two, to two and a half weeks later I received a notice in the mail informing me that the incorrect payment I was calling about was, in fact, correct. I immediately called back, and because at this point my payment was late, I was directed to the collections department ... again. During this conversation, after expressing my frustration, I was finally able to obtain a fax number to which I could send the SIGNED mortgage documents stating what the correct payment should be ( attached ). These documents were submitted to U.S. Bank on XXXX/XXXX/2015 and confirmation of receipt was given when I called U.S. Bank later that day. In the weeks following XX/XX/XXXX, I received no resolution of the issue, and instead received countless calls, and letters in the mail informing me that I was late on my mortgage payments and my account was in default. As of XXXX/XXXX/2015, there is still no resolution and I have begun receiving letters stating that my account will be moved into foreclosure and I could lose my home unless I take action. This notification is deeply disturbing as I have only wanted to PAY my mortgage and continue owning my first home. I even signed up for Auto-Pay XX/XX/XXXX with the belief that the issue would be resolved in time for my next payment ( on XXXX/XXXX/2015 ). Unfortunately, there has been no effort to resolve this issue in a timely manner and for the past two and a half months I have been left feeling stressed, nervous and confused about what is happening, or going to happen, to my home. No one should ever have to make 15+ calls to a bank explaining how to read mortgage documents. No one should have to worry that after signing a contract to purchase their XXXX home, that the terms of that contract might not be honored a few months later when the mortgage is sold. The fact that I have wasted countless hours of my time, both during work hours and after, over the past two months to correct someone else 's mistake is beyond comprehension. This would n't stand in my line of work, and it should n't stand in the financial industry. Consumers should be given more support/answers when submitting a complaint as substantial as a complete-misreading-of-a-contract. | ||||||
| 07/02/2017 | Yes |
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| I have a secure visa card with XXXX XXXX XXXX, which was established in XX/XX/XXXX. I established a fraud case in regards to some unrecognizable transactions. I was told a credit for the unknown charges would be applied to my card and a new card would be shipped on XX/XX/XXXX and I should receive it by XX/XX/XXXX no later than XX/XX/XXXX. On XX/XX/XXXX I received a call from a XXXX representative seeking payment, in which I declined to make payment at the time. Saturday XX/XX/XXXX I was told the card was cancelled ( without explanation ) and it had to be re-order but would not arrive until XX/XX/XXXX. XX/XX/XXXX I tried logging into " XXXX '' to view the activity of my account but was unable to gain access. Normally when attempting to logon to the system, I have to call technical assistance for them to unlock the account and complete a account info change of user information ( user-name/password ) to gain access to my account. Which contributes to my minimal login activity. I am never able to login with user-name and password. I must call to have my account unlocked each time. Well, today I was told because the card has a report of fraud I 'm unable to gain access to my account information. The company 's spokesperson alleged this was their process because due a breach. In the last five years the services has become terrible and the accounting methods are visibly inaccurate. XX/XX/XXXX statement had a balance of {$2800.00} with a due date of XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$310.00} plus the representative offered credit for two late fees, to bring the balance under the credit limit. The payment appeared as a credit but was added along with other fees back onto the account resulting in the same balance as previously mention. I make large payment to retain the usability of my card, and when making double payment within a billing cycle the payments are not accredited towards my account in real-time. XXXX XXXX XXXX accounting practice does not keep real-time information on credit purchases, payments and overall balance via online, and printable transaction statements vaguely display purchase items and balances in a detailed process. XXXX XXXX XXXX does not offer timely, accurate, effective, and efficient statement in a timely process. With the payments, transactions, reversal charges and credits offered applied to my account the overall balance is inaccurate on transaction detail and statement. I sent XXXX a {$500.00} cashier check as a deposit to increase my credit limit. The check clearly stated " deposit only ''. XXXX took the check, applied it as they chose but not the account, refused to send my funds back to me, claiming it was applied to my account, but I still unable to see the accounting benefits of their decision. I was locked out of the account and unable to view the transaction. This account was suppose to help establish credit but XXXX has trapped me into this high interest secure card with no desire to extend credit to me. XXXX XXXX XXXX has breached our contract, I 'm asking for an investigation into the availability of myaccount access ( detail information on number of request made to unlock the account and availability of their web site ), the transaction history, balancing statements and the credit practices and policies of my account with XXXX XXXX XXXX company. I 'm asking for immediate card replacement, the availability of the funds disputed in the fraud claim and the return of the {$3000.00} I sent as a deposit. | ||||||
| 01/11/2022 | Yes |
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| Problem with : U.S. Bank, XXXX. ( primary subsidiary of U.S. Bancorp ) XXXX XXXX XXXX XXXX XXXX, CO XXXX Persons contacted at Bank about issue : XXXX XXXX XXXX XXXX ( USBank Customer Service employee ) XXXX ( ( XXXX ) - XXXX XXXX ) XXXX ( ( XXXX ) - USBank rep. that called me and relayed there was a team to deal w/this type of situation ) On XX/XX/XXXX, I wrote a {$13000.00} check on my USBank company checking account. On the same morning, I called USBank Customer service, and spoke to XXXX, and requested a stop payment order be issued on this company check. Subsequently, the check in the amount of {$13000.00} was cashed by FirstBank on XX/XX/XXXX, XXXX # XXXX, routing no. XXXX. On XX/XX/XXXX, the amount of {$13000.00} was deducted from my company account, with the notation of Check XX/XX/XXXX # XXXX despite my stop payment order having been relayed to USBank. On XX/XX/XXXX, I called USBank and was told by an employee at the call center, that the Banks employee, XXXX, had never placed the requested stop payment on check no. XXXX. A tape of the conversation of XXXX and me was listened to, to confirm the requested stop payment order call took place. I was told XXXX was XXXX XXXX, and she would look into this matter. I was likewise given Dianas number ( ( XXXX ) XXXX ). On XX/XX/XXXX through XX/XX/XXXX, I called and left daily messages for XXXX, with no reply being received until XX/XX/XXXX at XXXX, XXXX days after my initial request for a call back. XXXX indicated the bank does not guarantee stop payments. I reiterated that I had confirmation that the requested stop payment order was never actually put in place. XXXX told me that she would speak with XXXX about his mistake, and there was nothing further she could do. I indicated I was not satisfied and XXXX indicated she would contact her supervisor about this matter. I did not hear back from anyone in this regard. On XX/XX/XXXX, the amount of {$13000.00} was put back into my company checking account, with the notation of XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX. Subsequently, on XX/XX/XXXX, the amount of {$13000.00} was again deducted from my account, with the notation of XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Thereafter, every day from XXXX ( over a week ), I again left messages for XXXX, and received no reply. On XX/XX/XXXX, I received a call from XXXX at ( XXXX ) XXXX. She told me that USBank had a team more prepared to deal with this type of situation, that was working on this matter. On XX/XX/XXXX, I received a call from XXXX wherein she stated that the Federal Reserve had interceded and withdrawn the money, and there was nothing else USBank could do about it. I have since gone into my branch on at least four separate occasions, after calling, leaving messages and getting no response. I finally met with XXXX XXXX XXXX, the branch manager, and explained my frustration with the lack of communication from US Bank and he PROMISED me that he would personally address my concerns by speaking on my behalf to the regional customer relations manager, and stay in close contact with me. He called me once to tell me he wasnt able to reach the customer relations manager, and XXXX has since gone silent. I have been told they are on vacation when I was unable to contact XXXX, the customer relations manager, and now the same as to XXXX, on one of my visits to the branch to speak to XXXX. So far, nobody has taken accountability, nor addressed this issue when I have made attempts to try to resolve this amicably. | ||||||
| 10/20/2022 | Yes |
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Web | Older American |
| Business credit card issued to a women and minority owned small business. We had not applied for credit before. In business XXXX full years. Our first billing cycle was XXXX XXXX, so right before Covid. In XXXX and again in XXXX of XXXX we called the company trying to enroll in an automatic payment plan, after being assessed {$39.00} both months in late fees. In XXXX we asked to have the account placed on auto-pay. In XXXX we wanted to know why it had NOT happened. My recollection is that we were told that it took an entire billing cycle before going into effect. By the XXXX billing cycle, Covid had resulted in a lock-down. Our business was closed, and when we were able to reopen, it was only XXXX hours a week, kept open by a new employee willing to do so. I handed the entire operation to our son-in-law to handle at that time, being past XXXX and ordered to stay home. I caught up with the credit card in XXXX of XXXX, when business mail began to be delivered to me, after our business failed. Doors closed XX/XX/XXXX. By XXXX, our son-in-law had left our family for a new one, having taken the business records with him, but leaving me some significant bills. On XX/XX/XXXX, I called US Bank where we had our business checking, concerned that our online banking showed the account {$700.00} overdrawn. I was upset and felt helpless, as I had not concerned myself with the financial part of the business. The bank informed me that I could close the account, and I did so. The credit card showed XXXX and I can only surmise that this was because no payment was owing. I remember being relieved that my son-in-law had paid off the credit card as he had promised to do. The auto-pay in XXXX was denied, as I had closed the account. By the time the bills caught up with me, our daughter was involved with Family Court regarding matters of child custody, child support, and parental visitation. I frankly, could not deal with more. I certainly did not want to increase the stress and danger involved in such a fraught situation. I wondered if this bill was now my responsibility alone. I learned later that it was, and that the bill had been sent to collections. I contacted the debt collection company and requested the history of the account. I agreed to begin making monthly payments to them on a balance close to $ XXXX. Yesterday I attempted to make the case to the credit card company that our account should have been placed on auto-pay no later than XXXX of XXXX, and asked for the phone recordings as proof. I was told that auto-pay cant be set up by phone, and that the phone record was unavailable now. What happened in our case is that nearly {$2000.00} in fees and interest were charged to usI believe before auto-pay was finally instituted by my son-in-law and commenced in XXXX of XXXX. Then the company made auto-payments until XXXX of XXXX. We were charged XXXX XXXX interest on a balance that reached our credit limit during the Covid pandemic. Yes, I take responsibility for the debt. No, I have no source of cash to settle, although the debt collector offered a settlement for XXXX XXXX of the balance. I contend that if we were helped through the auto-pay process which we tried twice to institute, I would not be facing such a devastating debt because we would not have been socked with the XXXX XXXX interest rate. That is my complaint. I just read in the news about the 5th circuit court declaring the agency unconstitutional. Obviously, people need help, and I hope the ruling is over-ruled! | ||||||
| 06/04/2021 | Yes |
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| I received a letter from US Bank advising multiple insurance policies were paid from escrow. When I called US Bank, I was informed by the Insurance Department that they received a hazard insurance invoice from XXXX XXXX XXXX for our District of Columbia home and paid {$990.00} on XX/XX/2021. XXXX has never been listed as our hazard insurance company for this home and is not listed on our US Bank mortgage documents. Prior to that, on XX/XX/2021, US Bank paid XXXX XXXX XXXX, our carrier of record, {$1400.00}. All funds came from our escrow account. I called US Bank on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ) in an attempt to resolve this matter, spending in excess of two ( 2 ) hours either on hold, being transferred to other departments or speaking with a US Bank customer service representative ( CSR ). At one point I asked to speak with a manager or supervisor when a CSR instructed me to contact XXXX to request a refund. The CSR was initially reluctant to get a supervisor on the call and after I requested three ( 3 ) additional times for a supervisor, the XXXX had a female, who identified herself as XXXX XXXX, get on the call. Ms. XXXX identified herself as a supervisor and assured me she would resolve my concern and call me in about a week. I requested her direct contact number ; however, she advised me to call the regular XXXX Department line at XXXX and ask for her. I hadn't received a call back from Ms. XXXX, so on XX/XX/2021 I called the Insurance Department and asked for her. The CSR who answered stated Ms. XXXX wasn't in his group, so I asked if she was in the company directory. The CSR replied she was not. Between XXXX and XXXX XXXX, I called the US Bank corporate office ( XXXX ), the switchboard operator transferred me to the Escrow Department, who transferred me to the Insurance Department. I spoke with CSR XXXX, who stated he attempted to call XXXX, but all the offices were closed ( XXXX XXXX EST ). I asked to speak with a manager or supervisor and XXXX XXXX finally got on the call at XXXX XXXX. Ms. XXXX informed me she also called XXXX ; however, I needed to be on the call in order for them to release information to US Bank. Ms. XXXX conferenced me in with XXXX, they released information to her and she followed up with me for several days in an attempt to resolve the matter. Because of everything that happened, I was motivated to write a letter to US Bancorp 's CEO XXXX XXXX to inform him of the erroneous, costly and inconvenient insurance payment. I received a response from an unidentified Customer Advocacy person, which amounted to a form complaint response letter, which included my account is current, the next payment date and the amount due. Other than a blurb stating " we were able to identify coaching opportunities ... '', there was no mention of what they are going to do moving forward to prevent them from disbursing escrow funds to an insurance company that isn't on the loan documents. In my letter to the CEO, I clearly stated " you need to explain what you are going to do to resolve this, ensure it never happens again and why I should remain a US Bank mortgage customer ''. With the exception of finally receiving a refund from XXXX, US Bank has not fulfilled my requests, as described in their letter. Additionally, in my letter, I stated I was prepared to contact the Consumer Financial Protection Bureau if this matter was not adequately resolved. I do not think this matter was resolved ; therefore, I want to file a complaint. | ||||||
| 12/14/2020 | Yes |
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| I was affected by the pandemic earlier this year and my property taxes ( shortage was XXXX ) more than doubled increasing my mortgage payment by $ XXXX, a forbearance plan was offered by US Bank Home Mtg ( my mortgage company ). The forbearance plan included monthly payments from XXXX to XXXX. Again, in XXXX an escrow analysis was run increasing my payments effective XX/XX/XXXX to right around {$2400.00} ( XXXX P & I, XXXX insurance and {$360.00} towards the new tax amount in XXXX and {$290.00} to cover the shortage - spread over 12 months ). When the deferral was sent to me and finalized on XX/XX/XXXX the breakdown was as follows : -4 payments totally {$6600.00} for P & I -Escrow balance iao {$1400.00} -waived fee iao {$560.00} -Total amount deferred to a non-interest bearing account - {$8000.00} The shortage at the time of the deferral was {$3500.00} which I had to option to voluntarily pay or spread over 60 months, increasing my payments once again on top of the already spread shortage of XXXX over 12 months - so now my payment went up from XXXX to XXXX - which makes NO LOGICAL SENSE why my shortage is being spread over 12 months then again over 60 months because of the deferral. The breakdown for the escrow analysis ran in XX/XX/XXXX for the new payment effective XX/XX/XXXX ( totaling XXXX ) was as follows : {$1600.00} - P & I {$140.00} - Insurance {$360.00} - Taxes - in preparation for the increase bill for XXXX {$290.00} - XXXX shortage spread over 12 months ( XXXX / XXXX ) Per the deferral my new payment recalculated a new shortage in the amount of {$3500.00} which included the {$3500.00} from XXXX spread over 60 months ; HOWEVER, instead of replacing the XXXX shortage spread as shown above the 60 month spread for the XXXX was tackled onto the XXXX total monthly payment as broken down below for a new payment due XX/XX/XXXX iao {$2500.00}. {$1600.00} - P & I {$140.00} - Insurance {$360.00} - Taxes - in preparation for the increase bill for XXXX {$290.00} - XXXX shortage spread over 12 months ( XXXX / XXXX ) {$59.00} - XXXX shortage spread AGAIN now over 60 months ( XXXX - a {$51.00} fee was added to the shortage not sure why divided by XXXX ) My actual payment should be {$2200.00} as broken down below but their system isn't reflecting that and I keep calling and getting different/ conflicting information stating I have to pay {$2500.00} other times {$2400.00} and most recently someone even told my my payment for XXXX was {$1900.00}. I'm afraid if I send in the right amount of {$2200.00} it will be misapplied or go into suspense not advancing my due date. Several representatives have told me not to make a payment until the system is updated but that it could take up to 3 months to update. Actual payment that should be reflected in the system for XX/XX/XXXX after deferral and spread are accurately updated : {$1600.00} - P & I {$140.00} - Insurance {$360.00} - Taxes - in preparation for the increase bill for XXXX {$59.00} - XXXX shortage spread ( {$3500.00} ) over 60 months Total XXXX with shortage as of XX/XX/XXXX should be : {$2200.00} I am so FRUSTRATED and upset I can not get anywhere with this company, most of the agents I've talked to with a small exceptions have no idea how escrow is calculated or the slightest clue on how it works. I just want to pay my mortgage and have it be applied accurately. I get we are in the middle of a pandemic but US BANK should be better equipped at this point with their agents and MSP system. HELP! thanks, XXXX | ||||||
| 08/17/2022 | Yes |
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Web | Servicemember |
| I received an email two days ago from Elan financial services for a credit card through my credit union. In the email there's a blue box that has three options 1. Get the app 2. Add a card 3. Go paperless. I select the option to get the app The next step I can choose Chrome which I do. Then I select XXXX or XXXXXXXX XXXX and I select XXXXXXXX XXXX This is the statement I get to download the app suggested by eland in their email with a pre download option. Leaving? By selecting " Continue '', you will leave myaccountaccess.com and enter a third party Web site. Elan Financial Services is not responsible for the content of, or products and services provided by XXXX, nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by Elan Financial Services. Please note that the third party site may have privacy and information security policies that differ from those of Elan Financial. Being an identity theft survivor and knowing how XXXX the major culprit allowing third-party data Steelers . I had to investigate further about elan. So I googled elan financial services. It's at the very top I click the blue this is elan financial services I go into it and there's a blue box that says 1. Banks 2. Credit Unions . I select credit unions. And this is the message I get going through their main website. Before you go, be sure you know : This link takes you to an external website or app, which may have different privacy and security policies than Elan Financial Services. We don't own or control the products, services or content found there. The young girl I spoke with XXXX told me that it should be my account access.com. So I go into that link. ONCE AGAIN! Asked to select XXXX XXXX or XXXX for the app. And once again it brings me to that first statement I quoted which does absolutely know good because it's allowing you to go to a website app that is done by a third party that they take absolutely no responsibility for what happens in it. Also I would never have thought of pulling up a site that said my account access it didn't State elan and when I open it there's still is not a single reference word about elan. This is probably a very gross oversight. But no matter how you try to get an app for elan financial services it keeps trying to send you to a third party app in which their policies procedures and privacy are nothing to do with elan. I spoke to her supervisor XXXX and I recommended after I told her everything I just told you that she should bring that up to somebody higher up before they start working on trying to correct it which I hope they do. I did tell them that I was going to follow through with this because this leaves the lay person without the knowledge and experience I've had for 45 years and every possible job credit cards Banks corporate resolutions.. So these are three different ways that elan tries to tell you to get the app so you can service and watch what happens with your credit card and it never ever has an app for ; MY ACCOUNT ACCESS.COM! THE ONLY WAY I COULD USE WHAT THEIR MYACCESS.COM SITE WILL DO TO WORK WITH MY CREDIT CARD WITHOUT DOWNLOADING AN APP IS TO ADD IT TO MY HOME SCREEN. Again I'm believing this was a gross oversight and again I did tell her I would be sending you this information and it needed to be followed up because it is leaving way too many lay persons and consumers out in the cold and preyed upon without their knowledge. | ||||||
| 05/19/2023 | Yes |
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| U.S. Bank did not answer any of my Questions or Concerns in reference to Complaint ID XXXX Complaint ID XXXX Response to letter dated XXXX XXXX from U.S. Bank 1 ) U.S. Bank keeps saying I knew about fraud account XXXX since XXXX but did not report a fraud report until XXXX. Can U.S. Bank please provide any evidence that proves I knew about the fraud since XXXX? Response to XXXX ) Once again I did not discover the Fraud until XX/XX/XXXX. My documentation I provided are emails with XXXX XXXX Department asking them to find the full account number ending in XXXX b/c U.S. Bank stated they could not help me or provide me any information unless they had the full account # XXXX. Once XXXX provided the full account # for XXXX in XX/XX/XXXX, I did a little more investigation and then filed a Police Report in XX/XX/XXXX stating I only had 1 checking account with U.S. Bank, which is acct ending in XXXX. NOT XXXX. A statement that U.S. Bank provide to me shows DOA acct XXXX with the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX, this is the same address that was on a statement for CC XXXX judgment. My only U.S. Bank checking account XXXX has my XXXX, IA address on it. U.S. Bank States since I knew the ID Thief, U.S. Bank claims it is not consider ID Theft? I don't understand how that is not ID Theft? I filed a Police report soon after I discovered the Fraud. XXXX ) U.S. Bank states the judgement issued against me was from XXXX XXXX XXXX not U.S. Bank- U.S. Bank was the original creditor of the judgement. Response to XXXX ) I already provided the judgment dismissal that shows U.S. Bank was the original creditor from the judgement. The judgment dismissal is a legal document that clearly shows and states the judgment was dismissed for evidence of fraud and forgery with XXXX XXXX that originated from U.S. Bank. When I was looking into the judgement, I found XXXX acct XXXX also in XX/XX/XXXX. I reported this right away to the XXXX Police Department and it's in my Police Report. How is this not a fraud? XXXX ) U.S. Bank States I did not provide any new documentation -- U.S. Bank stated the judgement was never made by U.S. Bank. Response to XXXX ) I provide the dismissal papers from the judgement showing U.S. Bank was the original creditor. What else does U.S. Bank need? XXXX ) U.S. Bank states my claim that U.S, Bank told me of a personal Loan I took out in XXXX of XXXX does not exist. Response to XXXX ) How can U.S. Bank tell me I took out a personal loan in XXXX XXXX and paid it in full, and tell me they can not release any information to me unless I get a subpoena? U.S. Bank no claims theres no evidence at all to prove this personal loan ever existed or that I paid it. Why would U.S. Bank tell me this? XXXX ) U.S. Bank states there's no documentation for Acct XXXX, XXXX, and the personal loan " I took out in XX/XX/XXXX '' Response to XXXX ) If your not able to prove XXXX account belongs to me, or that I even opened it. then it should be accepted as a fraud claim just like XXXX. XXXX was opened and used at the same U.S. Bank Branch and linked to XXXX. How is this not Fraud? Response to XXXX ) - I understand it's already been dismissed for EVIDENCE OF FRAUD AND FORGERY. I was never reimbursed for my expenses, time, and for the 8 years it was reported on my credit report. I sent demand letters, request for expenses, etc. Response to Loan taken out and paid in full in XXXX XXXX ) Why would U.S. Bank tell me I took this out and now stating it never existed? | ||||||
| 07/25/2023 | Yes |
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| Creditor Information : US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX USA ( XXXX ) XXXX Within the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is indeed kept private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' US BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' US BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, US BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' US BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. US BANK also never credited my account for the certificate of indebtedness. The IRS also claims I am supposed to receive a statement every year because it is considered income, and I never received the necessary forms to do so. US BANK did not credit my account via the Electronic Funds Transfer Act on the interest from the dividend payments they made off my treasury coupons. US BANK is listing my payments as late which is violating 15 USC 1666.B for an open ended consumer credit plan. 12 CFR Part 1026 states Truth in Lending ( Regulation Z ) which protects people when they use consumer credit. | ||||||
| 02/20/2019 | Yes |
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| It started in XXXX to keep it short I wanted to spend XXXX or XXXX dollars on gas, i pull out the nozzle to which the price kept going up and eventually gas shot on the floor, the management did nothing and took a day to clear of the station so nobody uses it which is dangerous but i tell that to the bank and file a claim. they take a month and then i discover in XXXX they deny it, i call them and re-file the claim asking why they didn't take my photo evidence i told them about during the first claim around late XXXX and the 2nd claim they did not ask for photo evidence, i called many times and during those like four calls i got told that i needed to speak to the " pin-claim '' department which i found out later doesn't exist but during those calls i got transferred to this pin claim department and still don't know what that means or where i was transferred to during those phone calls in XXXX but eventually on my 5th call to this issue i complained this is ridiculous nobody knows whats going on and i got transferred to at request to the 2nd person in charge of the fraud department over in either the New York or Minnesota area based on them saying it was 5 their time and work was over but i got transferred to them and after giving them XXXX over not asking or taking my evidence multiple times of telling them to the guy who was 2nd in charge told me he would handle the claim even though you could tell he cared less and make sure everything was properly filed and where to fax the evidence to which i did and call a couple days later to make sure they got it and they did. comes early XXXX i hear nothing nor see a credit or refund of the two overdrafts fee i had gotten because they took back the first credit from XXXX so i list the remaining balance of my account and got overdraft fees all because they didn't take my evidence and sided with the merchant but during my sixth call which was last week speaking to customer support and going straight to management I had found they told me they have no idea of what a pin claim is nor does that department exist which is brilliant but then go on to tell me the 2nd filed claim doesn't exist, its written it exists in their notes for quick review for people to rad to help assist customers faster but in the claim itself doesn't exist so the management said they would file it for sure and try to expedite the process for already it not being existed and the time waiting for it this also means that person 2nd in charge of the fraud department lied to me and I challenged the management on the sixth call currently speaking and they just kept saying they were sorry and ho explanation on this could happen or someone so high up lied to a consumer and that they couldn't promise that the form for the now real 2nd claim would be sped up if they requested as they aren't in charge of that and there is no form of complaint for these types of situations as well and now today as I write this I am calling a seventh time and am on hold to find out what is currently going on and the result is ... .... the claim is actually filed manager for customer support when i asked its not just the quick read logs ( which originally said the 2nd claim existed but looking for the second claim it turns out did not ) said they looked at it and the claim itself in full report exists and now I just wait for it to be approved for the credit and overdraft fess to be returned however they lied to me as a consumer multiple times. I am considering legal action. | ||||||
| 10/11/2015 | Yes |
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Web | Servicemember |
| XXXX U.S. Bank National Association from the ILLEGAL law offices of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX XXXX, fax ( XXXX ) XXXX XXXX. With a second office address of XXXX XXXX XXXX, XXXX XXXX, XXXX, OK. XXXX ( XXXX ) XXXX XXXX, fax ( XXXX ) XXXX XXXX, lawyers listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX sent out a FRAUDULENT newspaper article to The XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , OK. XXXX, XXXX XXXX XXXX ILLEGALLY stating foreclosure KNOWING that U.S. Bank National Association is ALREADY FOUND IN FRAUD. They are TRYING to go through a smaller Courts in XXXX, Oklahoma from the XXXX XXXX Courthouse District Court, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Case No. XXXX, Judge XXXX XXXX XXXX. THAT IS A CHEAP SHOT AT TRYING TO AVOID WHAT LARGER UNITED STATES AND INTERNATIONAL COURTS HAVE ALREADY FOUND U.S. Bank National Association and U.S. Bancorp., and ALL THE OTHER ALIAS ' THEY HAVE TRIED TO CHANGE NAMES TO TO GET OUT OF WHAT CFPB, FTC, FBI, CIA, IRS, PEOPLE STANDING UP AND VOICING WHAT HAPPENED - WE WILL NOT BE MOCKED!!!! AND MANY PROTECTED COURTS HAVE ALREADY TAKEN CARE OF. They think that a smaller town would not KNOW WHAT A MEGA CORPORATION HAS stooped low to try getting paid and get out of the PRISON SENTENCES AND FINES, PENALTIES AND INTEREST PAYMENT 'S THEY MUST PAY OUT TO THOSE they tried to SCAM. XXXX XXXX went DOWN, XXXX XXXX XXXX XXXX WENT down, COLLECTION AGENCIES ARE CLOSING EVERYWHERE. Accounts are being DELETED, PAIN AND SUFFERING IS BEING CORRECTED AND FAMILIES ARE HEALED AND HEALING. U.S. Bank National Association, XXXX. XXXX XXXX, XXXX, MN. XXXX, XXXX XXXX XXXX ; U.S. Bank Home Mortgage, XXXX, XXXX, WI. XXXX, XXXX XXXX XXXX ; U.S. Bank Home Mortgage, Mail Location - XXXX, XXXX XXXX XXXXXXXX, XXXX, KY., XXXX, XXXX XXXX XXXX XXXX ; U.S. Bank Home Mortgage XXXX. XXXX XXXX, XXXX, MN. XXXX, XXXX XXXX XXXX Ext. XXXX Relationship manager/XXXX and XXXX. XXXX Relationship manager XXXX XXXX ; U.S Bank Home Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX, XXXX XXXX XXXX, Consumer Advocacy XXXX XXXX XXXX, XXXXXXXXXXXX ; U.S. Bank Mortgage, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ; XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MO. XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX. , XXXX, MO. XXXX, XXXX XXXX XXXX ; XXXX XXXX, MO. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC. XXXX ; XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX , SC. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, fax XXXX XXXX XXXX, fax XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. As STATED IN A CASE ALREADY SUBMITTED WITH PICTURE 'S SENT IN DOCUMENTATION AND NOW FRAUDULENT COURT SCAM AT A smaller courtroom that has already HARASSED MY FAMILY NOW FOR several years and at several PROTECTED CITIZEN 'S, loan was FHA, HUD, AND VA/first time. | ||||||
| 02/18/2022 | Yes |
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Web | Servicemember |
| This is my third complaint regarding Escrow Advances charged by XXXX Bank XXXX - XXXX in the following amounts : Amounts charged by US Bank in Escrow Advances ( HELOC loan ) - Non-Escrow Account : XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX ( Refund ) - ( {$1100.00} ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1200.00} XX/XX/XXXX - {$1100.00} Amounts Charged by XXXX XXXX XXXX ( non-HELOC ) for Escrow Account : XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$1400.00} US Bank submitted a response and I found it to be unacceptable. Specifically, US Bank stated, " LPI is only able to be removed from an account when proof of insurance is received. At this time we have not received evidence that active coverage was present on the account from XX/XX/XXXX-XX/XX/XXXX. A XXXX XXXX Policy was received indicating coverage active from XX/XX/XXXX - XX/XX/XXXX. Upon receipt of proof of acceptable insurance coverage for the remaining lapse of coverage period, the account may be reviewed for any possible reimbursement owed. In XX/XX/XXXX I forwarded US Bank proof of insurance documents from XXXX XXXX XXXX from XXXX XXXX. I also included proof of insurance from XXXX XXXX XXXX in my first complaint against US Bank. US Bank stated that the LPI placed by XXXX XXXX XXXX was unacceptable and refused to reimburse me. Although, it appears US Bank accepted the Lender based Policy that I provided them from XXXX XXXX XXXX as adequate coverage in XXXX because I received a refund in the amount of {$1100.00} in XX/XX/XXXX. Note, US Bank included the XXXX XXXX XXXX LPI for the period ofXX/XX/XXXX-XX/XX/XXXX in their response and I was not charged by US Bank during this period. So the statement that LPI placed by another bank only covers their interest is false. It covers the amount of the loan and all stakeholders as evidenced by the refund I received for providing such documentation in XXXX. In addition, US Bank responded stating, " In reference to your concerns with the payment of more than one LPI premium within a 12-month period, the timing in which the premiums were billed resulted in he overlap of issuing more than one premium within a 12-month period for coverages from XXXX and XXXX - XXXX ''. This response is unacceptable. US Bank should not be issuing more than one 12-month Premium in a period. US Bank should not have spent {$2400.00} for two LPIs policies in XXXX that overlapped each other. US Bank stated, " Escrow Advances owed on the account are attributed to the payment of the LPI policies placed on the account due to lapses in insurance coverage. '' I have furnished proof of coverage for all periods in question to US Bank and they have still refused to reimburse the funds. I am attaching once again to this complaint proof of insurance I had with XXXX XXXX XXXX for the period of XXXX XXXX. " Furthermore, US Bank states in their response : We have enclosed your 1098 Mortgage Interest Statement reported for XXXX, XXXX, and XXXX. Only the most recent forms are retained in our system. '' It is unacceptable that US Bank has not retained documents prior to XXXX and they should not randomly lose or dispose of statements until a loan is closed out. The statements from XXXX would reflect that US Bank never charged Escrow Advances previously nor did they send out letters requiring that I furnish them proof of insurance because they knew I had an Escrow account as part of my mortgage with XXXX. | ||||||
| 12/12/2017 | Yes |
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| This complaint is filed against US BANK Consumer loan division. Here is a breakdown of the events organized by chronological order. In XXXX I relocated from XXXX to XXXX. At that time I had a vehicle lease with XXXX XXXX XXXX which I decided buy out with a consumer loan. I selected US BANK as a financial institution to finance my loan and transfer my title and registration to XXXX. Applied and closed the auto loan approximately XXXX/XXXX/XXXX XXXX/XXXX/XXXX called the branch for updates, left a voice mail for the XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX called the branch for updates, left a voice mail for the XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX called the branch for updates, left a voice mail for the XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX After several attempts and no response from the manager I contacted the XXXX XXXX XXXX. XXXX informed me that the wrong Sales tax was file and asked me to come to the office to sign another form. I asked why nobody contacted me earlier and I was the one that initiated this. XXXX explained that they were too busy. XXXX/XXXX/XXXX Called XXXX again. I was told me that paperwork will get mailed soon XXXX/XXXX/XXXX called again. Found out that paperwork mailed the same day and will be delivered on XXXX/XXXX/XXXX ( UPS tracking : XXXX ) XXXX/XXXX/XXXX received a letter in the Mail from XXXX XXXX stating that the wrong tax for was sent. Letter ID : XXXX XXXX/XXXX/XXXX XXXX registration expired. Vehicle parked XXXX/XXXX/XXXX Called Secretary of State ( XXXX XXXX ), checked with the following departments : XXXX Quality Control / XXXX Title Audit / XXXX Title Administration.. Got informed that my paperwork was sent back XXXX/XXXX/XXXX for insufficient check issued for title and registration. Check issued {$100.00}, required fee {$190.00} XXXX/XXXX/XXXX Called XXXX XXXX XXXX XXXX Insisted that XXXX calls the Collateral department in XXXX WI where all the paperwork is being held and ask them to hold paperwork so we can process at local level faster. XXXX told me that it takes 72 hours for the department to acknowledge the paperwork. XXXX asked me to call back no earlier than 72 hours. I explained that it take 4-6 weeks for Secretary of State to evaluate paperwork and thus it is really important that the paperwork remains onsite and someone from the bank goes and process everything locally. XXXX/XXXX/XXXX Contacted consumer loans ( XXXX XXXX option XXXX ) stated everything as stated above. I was promised that supervisor will call and request paperwork to be forwarded to the local branch for processing. Also got promised that the same supervisor will return my call and follow up with me afterwards. Received no call back. XXXX/XXXX/XXXX called XXXX XXXX, she told me that she did not talk to anyone and in fact the Collateral dept in XXXX WI has sent the paperwork to the secretary of state again on XXXX/XXXX/XXXX ( UPS tracking : XXXX ) and there is nothing that she can do. Asked me to work with Consumer Loan dept to resolve this. XXXX/XXXX/XXXX called consumer loan Dept. again and requested to talk to a supervisor. I was told that I will hear back by XXXX the same day. XXXX/XXXX/XXXX XXXX no call received from supervisor. Called again, and was told that XXXX will return my call soon. No callback received XXXX/XXXX/XXXX Tired of waiting and with no other options I was forces to deplete my savings and pay off the loan as the only resort to get my paperwork back and be able to register and use the vehicle. | ||||||
| 05/31/2015 | Yes |
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| On XXXX XXXX, 2014 I mailed a letter to U.S. Bank instructing them to inform me " in detail '' as to why my mortgage was a part of the Independent Foreclosure Review ( IFR ) ; moreover, to explain to me the outcome of any and " all '' defects that was uncovered as a result of the IFR [ XXXX ]. As a result of my inquiry, QWR, U.S. Bank response was that I would need to get into contact with the OCC to gather requested information as to why I received a cash payout of {$1000.00}. On the other hand, the XXXX, via their response to me dated XXXX XXXX, 2014 " clearly '' states : Information concerning your request may be available from XXXX XXXX, XXXX or your mortgage servicer. Because they may have records responsive to your request, you may contact the applicable organization listed below : Independent Foreclosure Review - Paying XXXX XXXX, XXXX. Special Handling DepartmentXXXX XXXX, MN XXXX also have the right to obtain certain information including information regarding any errors you believe may have occurred in servicing your mortgage, from your servicer pursuant to federal laws under the Real Estate Settlement Procedures Act ( RESPA ) by submitting a Qualified Written Request ( QWR ) directly to your servicer. Please see the list of servicers listed below and contact the applicable address [ XXXX ], [ XXXX ]. As a result, XXXX XXXX, XXXX provided me with a letter with an attached check in the amount of {$1000.00} that " vaguely '' explained the reason as to why I was receiving a payout. The letter stated that I was eligible to receive a payment as a result of an agreement between federal banking regulators and U.S. Bank in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes [ XXXX ]. With that being said, I request for U.S. Bank to inform me of " all '' elements of any potential wrong doing in regards to my mortgage loan that was either discovered by the IFR or U.S. Bank knew of prior to the conclusion of the IFR which ultimately lead to me being a recipient of a cash payout. Since U.S. Bank did not object to or challenge federal banking regulators in a court of law for unfounded claims of deficient mortgage servicing and foreclosure processes, but instead issued me a check for {$1000.00}, why is it that U.S. Bank is informing me that I would need to contact the OCC to obtain information as to why I received a check as a result of an enforcement action when the OCC informed me that the information I am requesting needs to directed to U.S. Bank [ XXXX ]? Why is it that U.S. Bank 's feels they are not required to or they are not in a position to provide me with " all '' known facts as to why my mortgage was a part of an enforcement action related to deficient mortgage servicing and foreclosure processes uncovered by the IFR? If U.S. Bank fails to comply with this request by not stating to me " in detail '' what potential defects, deficient mortgage servicing, and/or deficient foreclosure processes existed in regards to my mortgage loan for them to explain why their organization should not be held accountable for fraudulent concealment and/or obstruction of justice? Last but not least, why would it be the responsibility of another organization ( e.g. OCC ) to explain and provide me with detailed information as to what defects existed with my mortgage loan other than the primary source who was cited for infraction ( XXXX ) of deficient mortgage servicing and foreclosure processes [ XXXX ]? | ||||||
| 05/27/2015 | Yes |
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| I deposited XXXX checks via a US Bank ATM at a US Bank branch. An error occurred that caused the deposit to fail. After contacting the XXXX service line due to being outside of the branch 's operational hours, a Reg E dispute was submitted on my behalf, without the process/timelines/potential ramifications of said dispute being presented to me. Instead, I was placed on hold, then advised of what had been done, but still potential impacts were shared. Later in the day, I spoke to the branch manager, who advised me that she had my checks in hand, and stated that a provisional credit would be made the next day when an internal dispute reference code was received. She also indicated that there was a known issue with this ATM due to a customer having deposited cash, which had literally been buried, via this ATM. Since that time, it had not functioned correctly, but was too expensive to replace. XXXX days passed, when I received a call from the disputes team to confirm some details of the deposit, such as if an envelope was used ( it was not ), if the ATM required an enveloped ( it did not - stated that XXXX should not be used ) ... at this point, I explained that the branch manager had my checks, was waiting for the internal reference code, and I pleaded with her to wrap this up so the deposit could be processed. The next day, still no deposit was applied to my account. I called and spoke with the branch manager, XXXX, again, only this time she was much less XXXX and XXXX. In fact, she told me that I needed to " act professionally ... to which I let her know that I am not an employee of US Bank, but instead an angry customer, whose funds were being held hostage. She responded rudely and hung up. My wife went to our local branch, and was helped by the assistant manager in the XXXX, Oregon, who called the branch where the deposit was made in an attempt to sort out the issue. She also advised my wife that every branch has a budget from which temporary credits may be issued to make things right for the customer while problems like this are being sorted out. Why we were n't provided this option, I do n't know ... particularly because they had our checks! The checks that were likely held in error due to another customer having used an envelope for their deposit - not MY issue! Even our local assistant manager was unable to get any assistance - and was advised that the branch where the deposit was made did n't have our checks! XXXX branch lied to another! After hearing this, I called and spoke with XXXX XXXX, the assistant manager, at the branch in XXXX, Oregon where I made the deposit. She offered to reach out to the back office team to see if she could get the issue resolved. Finally! Someone willing to make some effort to help resolve US Bank 's error! Within hours, XXXX XXXX had a provisional credit added to our account. This took place on Friday, XXXX, after the deposit was made on Tuesday, XXXX. On XXXX, the provisional credit was deducted from our account, and no one at US Bank was able to tell us why. My wife called customer service, but got no answers. I reached out to XXXX XXXX again, and she said she 'd get back to me. Later that evening, she called back to say that another provisional credit was added to the account to cover outstanding ACH payments we 'd scheduled, but even she was unable to explain what had happened. As of this morning, XXXX, our account appears to have been fixed ... finally ... over 1 week after the deposit was attempted. | ||||||
| 09/22/2016 | Yes |
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| Complaint against US Bank ( US Bancorp ). Had a mysterious charge by XXXX XXXX against my checking acct ( on XXXX XXXX, 2016 ), bringing my account to the negative. The charge was on a card that was reported lost 3 months ago but it transferred to my current card/checking acct. Called customer svc. and the rep assumed that I was at fault and would n't allow me to submit a fraud claim. Only allowed for a dispute. Told me that even when a new card is issued, charges on old card number will transfer to my new card. Called a second customer service rep and she revealed to me that US Bank had made some sort of accounting error related to a dispute that I had with XXXX. But that the charge should n't have happened. She said that they would fix it within 3 business days. Yet nothing happened. So on XXXX XXXX, 2016, I went into a branch for help. It is US Bank located at XXXX XXXX XXXX XXXX CA XXXX. I went to the teller to explain my situation. XXXX XXXX was the person that I was seeking help from and after explaining the situation, she questioned me and her attitude was indicative of the assumption that I was responsible for the charge as opposed to fraud or an error on US Banks part. I was understandably frustrated and in talking, she made a hand signal of her fingers coming together to communicate that I shut up. I became more frustrated and questioned why she did that. She ignored the question and in the interest of resolving the situation, I let it go. We sat down and she looked up my account, looking more puzzled as time went by. She told me that a fraud claim is all that she could do. I asked her about the notes in my account from the XXXX representatives that I had talked to on the phone and they both didnt reflect what we had discussed. Instead the notes indicated that there was fraud, not that an accounting error was made on US Banks part and how it should be resolved. So as XXXX proceeded to type in the notes, I asked her to put in the fact that this charge was made on a card that had been found lost 3 months ago. She raises her voice and says to me " I am not going to write what you tell me to write! '' I pointed out how the last customer service rep did n't write accurate notes that reflects what she discovered regarding this incident. XXXX then tells me that I will have to leave. She also said that if I do n't leave that she would call the police. I told her that it is her job to help me and file the fraudulent charge claim but she repeated that she will call the police. At this point, a lady, whom I believe may have been the branch manager came over and told me that I would have to leave. She and a male banker escorted me out the door. I sat in my car in the parking lot in shock and then saw XXXX police patrol cars drive into the parking lot. They eventually came to me car as I was calling into US Bank Customer Service and questioned the incident. I told them that it is a non issue at this point and I had not threatened the banker and just want to go. Eventually they allowed me to leave. It is also shocking how the situation has not been resolved after a week. I was made to feel helpless and cant help but think that US Bank would put a charge onto a customers account even though it was n't the customers doing. Or allow for a fraudulent charge to occur on a card that no longer exists and forward the charge to a current account. I ask that this situation to be given appropriate attention so that it does n't happen to other people. | ||||||
| 10/06/2022 | Yes |
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| Once again I have found the need to seek resolve for the same issue that I just recently submitted a complaint about. In fact it seems to be the only way that I am able to get an adequate response in order to find closure so that I can move forward. It wasnt until I submitted my complaint to your agency regarding the reversal of a provisional credit, that I was granted the credit and notified that it was issued and it was final. Ironically speaking, on XXXX XXXX, on or about these dates, my account had finally been credited for two other payments that had also previously been disputed. At that time I was told to be sure to complete the forms that were to be sent to me, and return them as soon as possible. As time went on, there were no forms that arrived in the mail, only XXXX different debit cards, two of which I had never requested. It wasnt until after the previous complaint was filed that got the attention of XXXX, of US Bank, XXXX XXXX XXXX, Office of the President, who responded to the complaint by sending me documents regarding the prior complaint that notified me that the credit was granted and that it would be final, but also the documents that were never sent regarding the provisional credits that were issued on XXXX XXXX? Now mind you, the documents that were included in the packet were not only inclusive of the resolution regarding the complaint sent to your agency, but the documents that were supposed to have been sent weeks ago regarding the claims for the provisional credits that were given at the beginning of XXXX! The letter was dated XX/XX/2022 mentioned, the post mark on the outside of the envelope was dated XX/XX/2022, but the correspondence that pertained to the previous provisional credits issued the beginning of XXXX, stated that after the forms were completed they were to be sent back and received by them by XX/XX/XXXX. ( the very next day ) or the credits would be reversed! In whos reality does this exist? Certainly not in mine. First and foremost, I never received the packet until XX/XX/XXXX and at that time I did as I was instructed to do. Without any warning, on Friday, XX/XX/XXXX, I withdrew XXXX $ from my account at XXXXXXXX XXXX. and at that time my balance was as it should have been. It wasnt until approximately XXXXXXXX XXXX. that I checked my balance and the credits had been reversed resulting in a negative balance depleting my account leaving me with a negative {$680.00}! causing checks to be returned and essentially nothing at all to pay bills, get gas or food. Not only that, but the order in which things were done were not only deliberate and insulting but were done in direct retaliation because of the complaint that was filed about the claim that they had previously denied. It is obvious that the documents that were sent to me on the 15th, were not going to arrive in enough time to be returned by the XXXX. because they were sent through the regular mail and not overnight express. I have the envelope that has the postmark as well as the documents that were dated XX/XX/XXXX, requesting that they be returned by the 16th. Absolutely absurd. I have suffered an extremely emotional and financial crisis as a result of the recent deliberate unacceptable events. I am deeply concerned about the actions of a company that claims to be concerned about XXXX Veterans, which my husband proudly is but given the most recent unethical behavior that has been disclosed involving US Bank employees and unsuspecting customers. | ||||||
| 12/21/2020 | Yes |
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| My wife and I were looking to refinance a home we owned. We were told by US Bank verbally that the reason why they were denying our loan was due to the fact that we filed a fraud lawsuit against a financial advisor. However, we received a " Statement of Credit Denial, Termination or Change '', that stated the reason for our denial was because of : Value or type of collateral not sufficient Collection action or judgment. We fully understand if this financial institution 's underwriting guidelines prevents us from receiving a loan, due to litigation concerns. However, the denial of credit explanation letter is different than the verbal explanation we received, which is an issue as we need accurate documentation due to the pending lawsuit. Being our loan to value on the home was in the 65 % range ( significantly lower than the lending program guidelines ), we were confused as to why there was a collateral issue. The second reason for denial was another mystery. The letter states we were denied due to collection action or judgment. However, neither of us have collection or judgments against us and the denial letters state that my credit score was XXXX and my wife 's score was XXXX. We called to discuss the discrepancy with US Bank. The original person that told us they were denying our application due to the lawsuit XXXX XXXX XXXX, was just as confused as we were. XXXX called back the next business day and told us that US Bank stated the collateral issue had to do with a piece of siding that was blown off the house and notated in the appraisal. Despite never being notified by US Bank that the siding was an issue, it was fixed as soon as it was discovered, long before we were told our loan was to be denied due to the lawsuit. XXXX went on to tell us that the credit denial had to do with XXXX checking the collection action or judgment box and that was all the information she could provide. We were told that once the denial letters went out and the files closed, there was no way to update the letters. It is my understanding that Truth in Lending rules requires factually accurate denial letters to be sent out to mortgage applicants, which did not happen here. 6500 - Consumer Financial Protection Bureau Appendix C to Part 1002Sample Notification Forms 4. If the reasons listed on the forms are not the factors actually used, a creditor will not satisfy the notice requirement by simply checking the closest identifiable factor listed. For example, some creditors consider only references from banks or other depository institutions and disregard finance company references altogether ; their statement of reasons should disclose " insufficient bank references, '' not " insufficient credit references. '' Similarly, a creditor that considers bank references and other credit references as distinct factors should treat the two factors separately and disclose them as appropriate. The creditor should either add such other factors to the form or check " other '' and include the appropriate explanation. It seems like someone may have made a judgment call not to provide us the mortgage based on us filing a lawsuit against a 3rd party, but then used common templated response reasons to justify their reason for denying the loan. All we wanted was a factually accurate denial letter, but we are now wondering if US Bank did not break other lending laws when denying our application, which caused them to makeup alternative reasons for the denial. | ||||||
| 04/13/2022 | Yes |
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| Like most Americans, I was recently anticipating my Tax Refund. I used a new tax preparer this year and was not as sure what to expect for the completion, like if she had all my banking information entered correctly, so I had been checking my online banking a little more than normal. I remember checking my account the day of XX/XX/2022, it was less than {$20.00} available and I was okay with that. I remember the trip to XXXX afternoon on XX/XX/XXXX afternoon. I forgot XXXX XXXX and I remember my funds were low so I checked my online banking before I finally made the last purchase for dinner that day. I was a bit shocked and concerned when I saw the balance of {$6600.00}. I immediately scrolled to check recent transaction to figure out the balance? I was instantly upset and confused when I saw my refund was deposited earlier that day, and within hours of the deposit there were XXXX unauthorized XXXX transactions to random unknown people or things?! I called my bank panicked, I explained what I was seeing and also went to my bank to finish the fraud claims and alert. I was devastated and I had hopes my bank would resolve the issue. No one called me that day to ask if it was me who authorized this large amount of money, I had not received any codes to authorize these transactions totaling {$7000.00}! I waited XXXX weeks before I demanded an answers, I was again devastated that my bank denied both claims and gave me the weak explanation of.. " The transactions posted as requested. '' there was no notes, no supportive documents, they released the hold on the accounts and denied my claims. I was upset because it is clearly fraud, I was upset because they just left me on my own to be preyed upon, they didn't call me to come in and figure out what is next since my account was compromised and it is a business account. I was confused as to why my bank was turning against me, I have been with them for years and have had THOUSANDS of dollars spent and deposited, I have never made such allegations, ALL the fraud factors were there. I was even more upset when I stopped into the bank on XXXX to speak with a bank manager to get help and they refused ( US Bank, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) to talk to me, they told the clerk to tell me they could not help me? It made me even more upset that they would treat me like this, no one from the fraud had any more information than the statement above about my claims denial, I felt like I had to fight the Bank and that scares me being a XXXX woman. I spoke with my mom XXXX XXXX and she knew I was too upset to stand on my own, she came with me to the bank where a bank manager in XXXX XXXX XXXX XXXX, dedicated to help me. She said it would not be a long turn around and that I have insurance on my account, which I knew. It has been another week and half and now she says, she can not see anything, nothing is being updated, the have XXXX business days to fix it and she was not sure what was going on, now I am back in the dark. I was not hopeful. I was told after the denial to contact the Police, why wouldn't they advise that before? I was told by a Fraud department manager, that she was sorry the branch manager wasn't willing to help me but she never asked what branch, what is their name, or that is unacceptable, like they have a choice to help members or not? I was not being a problem within the branch so, why deny me. I still do not have my money refunded. I need help resolving this issue. | ||||||
| 08/28/2020 | Yes |
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| In XX/XX/2019 I opened a Safe debit account at US Bank In XXXX XXXX Washington. The individual who open my account assured me that there would be no monthly fee with my direct deposit and for the first three months there was no fee charged. Then they begin charging XXXX per month and when I asked I was told if this person did not know what they were doing when they open the account and that all their accounts Had monthly user fees Associated with them. So unhappy that I was I excepted this. Then this year, In XXXX my account went into over Draft status Due to this monthly users fee. The bank sent an email stating that because of COVID-19 they were depositing the overdraft fee that they had charged my account ( even though I had been told that this was a safe debit account and that overdraft fees were not charged and were not allowed when I opened it ) and the monthly fee that they had charged my account to bring my account to XXXX so that I could access the full amount of my economic stimulus payment. They said that this was not a loan and I did not have to pay this back. I did not ask for this money my economic stimulus payment wouldve covered their fees wrong and probably illegal though they were and I wouldve accessed the remainder of my stimulus check. 60 days later they took the money back out and left my account overdrafted in the amount of XXXX something dollars. Once again they sent their letter saying the temporary Covid relief fund that they put in my account for being taken back up I had never asked for this money they said it was in alone and I didnt have to pay back yet they put it Into my account and then took it back out Its supposed to have been a safe debit account not incurring monthly fees and not incurring overdraft fees. Didnt use my account for the next 30 days because it was overdrafted and I cashed my checks at the bank they were draw on Then Department Of Retirement Systems was converting my retirement money to a disability retirement and I needed to fill out my direct deposit form so that I could have this amount deposited directly into my bank account. This is when I discovered that my account was closed in charge of the of an additional {$30.00} was charged to my account. So on an account that wasnt supposed to be allowed to incur fees because of the XXXX that they charged two times that overdrafted my account and the overdraft fee they charged my account and the charge off they charged my account Hey now wanted {$75.00} paid before they would reopen my account. I went to another bank and attempted to open an account, I was informed by XXXX XXXX, but I could not open an account anywhere. I feel I was lied to about monthly fees I was lied to about overdraft fees and I dont care how much theyre tiny print on their disclosures covers their asses- do people who cant read the fine print and dont understand it- ( I XXXX is a XXXX XXXX ) -dont read the tiny print and disclosures they trust the people who open their accounts. No I cant get a bank account anywhere and my lump sum retirement money has nowhere to go I cant receive it. I tried sense to open an account at XXXX XXXX XXXX and at XXXX XXXX unsuccessfully. Can you please help with this I need to have a bank account other than my XXXX account where my Social Security goes So that people The government with my Social Security check are able to deposit money into my account Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. XXXX | ||||||
| 02/28/2022 | Yes |
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| My mother in-law was recently diagnosed with XXXX XXXX XXXX after she went for a possible XXXX scan on XX/XX/XXXX. She wrote out a check to me, and my wife 's brother for {$3900.00}. We have 4 kids and a hectic schedule given the circumstances and my mother in-law wanted this money out quickly. She only had 3 checks and no more checkbooks left, and she has struggled with writing for a month now. She wrote me 2 separate checks so that I was able to mobile deposit ( limit of {$2500.00} ) so she had changed the amount from one {$3900.00} check to 2 separate ones- {$2000.00} and {$1900.00}. The checks were scribbled on, however my brief XXXX search made me think some banks would accept it and some banks wouldn't. Her brothers check was accepted just fine, and after my first deposit of the {$2000.00} check I received a call from my local bank manager on Friday, XX/XX/XXXX asking about the check even though it was already cleared in my account from my end. I explained the situation and he simply understood and started talking about how much money I could have received if I had a cash back debit card instead. Since I explained the situation to my branch manager and he seemed unconcerned, I deposited the second check ( {$1900.00} ) under the assumption everyone was on the same page. Both deposits have come out of my mother in-laws account and are still out today. Saturday, XX/XX/XXXX my card declined at a local store. I went into my branch and they issued me a replacement card- that still did not work. They told me I should wait until Monday since they couldn't understand the situation. I then called the XXXX number for my bank to which I was told by 3 separate people that my local branch was the only one who could access it, and to follow up with them on the next business day. Today, XX/XX/XXXX, both my wife and I attempted to meet with the branch manager as instructed. We were greeted by a regular employee who claimed he could not see anything on his end and they shouldn't have told us to come in. We called the customer service with him present and stated we were at the bank as directed and were told this wasn't the case. The rep phone seemed to act like he couldn't comprehend simple, straight forward questions as to what was going on, who was " reviewing '' it, and when we could expect to get some answers. He then repeated this to our branch rep on speaker, and requested that our branch rep take my wife 's phone off of speaker so he could tell him something privately regarding our own account. After the phone call, our rep revealed he was still learning and only 3 months into this position, wrote our contact info down for his manager who was currently in a meeting. He said that she was going to send an email to someone and attempt to escalate the issue. My main concern with all of this is that I feel I was blatantly lied to, and also led to believe that there were no issues pending my deposit of the second check. If the original phone call in regards to the first check seemed like there would be any issue, I would not have submitted the second check. Now I have anything but answers regarding my own money, which includes mine and my wife 's joint tax return, Rent due in 24 hours, my state tax return still set to be deposited into this mysterious frozen account, and what I have come to realizes is the large chance to have my only account closed and labeled as fraud. Unable to plead my case whatsoever and overall feeling scammed myself. | ||||||
| 07/18/2022 | Yes |
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| US Bank manages an escrow account for a US bank mortgage for the condo at my address and they have not yet paid the property tax payment that is due on XX/XX/XXXX. My county tax authority confirmed that tax bills were mailed out on XX/XX/XXXX, and US Bank should have received it by now. The mortgage is in my elderly mother 's name, but an authorized individual on this account, so I am drafting this complaint on my mother 's behalf. On Tuesday, XX/XX/XXXX, my mother and I sent US Bank an email from the email address associated with this mortgage account to ask US Bank about the tax payment and when they intended to make the payment. I also reminded US Bank that that tax payment is due by the end of the month. I asked if they received the bill and reminded US Bank that my mother qualifies for and has received 50 % tax relief, which should be reflected in the bill they received. I was prepared to reach out to the local tax authority in case US Bank had not received a bill. As of today, Monday, XX/XX/XXXX, nearly a week later, US Bank has still not replied to that email. They've also made no tax payments during the last week. On XX/XX/XXXX, I called the phone number associated with the US Bank Mortgage department ; the agent told me that US Bank didn't receive an email whatsoever, so what is that I'm talking about. I told the agent I have a copy of the Gmail and US Bank 's auto-reply confirming receipt. The agent forwarded me to a customer service supervisor. After a looong hold, the supervisor me that US Bank actually DID receive the email and sent it to their tax department and their in the process of " researching '' it. But after a week or no replies, and with taxes due next week, its not likely that US bank 's tax department will reply to me in time, especially if I need to make arrangements to pay the taxes myself. This the 2nd time that US Bank 's tax department has mismanaged the escrow process. The tax office is extremely confused. They told me that they did receive the bill on XX/XX/XXXX, and that " if it is a secured bill, we will pay it '' But she ( XXXX XXXX said that they're not responsible for communicating ( replying to emails ). She blamed the customer service department 's slowness in forwarding the email to the tax department - that if a customer sends an email to the company 's customer service secure email ( XXXX ), it takes up to a week for US Bank 's customer service agents to disperse emails to the appropriate department. That's not great. Previously, they were able to do this. I also asked if US Bank would conduct an updated Escrow Analysis Statement since the rate had gone up for XXXX. She told me that the last one was conducted in XXXX, but if I want a new one, I would have to request a new one, which I did. Unfortunately, she was not able to access the county 's tax website, so I'll have to call back and speak with customer service later. I would like to know if ( a ) US Bank can update the escrow analysis statement that outlines monthly escrow payments with the correct rate and ( b ) whether we the option to cancel the escrow account altogether, since US Bank has had trouble managing the tax account and also because they require double the amount of the tax bill to maintain the escrow account, which nullifies the effect of the tax relief benefit that my mother receives. I would like to know if the escrow account can be cancelled altogether so that we can pay the tax bill ourselves and what that would entail. | ||||||
| 05/16/2017 | Yes |
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| On XXXX XXXX of XXXX , I filled a dispute for couple deals I previously bought from a salon called XXXX XXXX XXXX XXXX in XXXX NV from XXXX XXXX . When they have filled the dispute for me, they said we will have someone to be assigned to your case. I called so many times until they actually assigned someone to my case. Her name was XXXX XXXX , when I talked to her she requested more information from me. The information she wanted was a personal letter from another business admitting that what XXXX XXXX 's business had done was wrong as well as my medical records. Despite the fact that getting that kind of a letter from another business was extremely difficult, I said sure I will do the impossible. However, I specifically asked her what is my time frame in terms of gathering all these information? She first said " honestly there is no time frame, but let me check. '' when she checked she said " you have until XXXX XXXX ''. When I requested my medical record from the XXXX XXXX , it took them 3 we eks to release them to me because by law they have 30 days to release medical records and I went through so much trouble to get a letter from another business. Anyway I mailed everything to them, but before they even receive my documents they closed my case and they reversed all of the charges. I contacted her for a week to get hold of her to ask her why she already closed my case. She finally responded back being very rude and saying that I only had 15 days to gather those documents. I told her you said I have until XXXX XXXX and even if I wanted to, my medical records were n't released in that time frame that you are claiming. I sent her everything that she needed to move my case forward, she did n't even look at those documents, she said " if you think I am going to reopen your case, I am telling you it 's not going to happen, you did n't send enough information in the time frame we gave you '' I tried to explain but she again said " I do n't have time for you and the case wo n't be reopen '' I requested to talk to her manager, she actually refused and she said if you understand what I am saying your case wo n't be open and there is no manager available right now. You want to talk to my manager, you will probably be contacted in about 72 hours to a week! I asked her for her last name, she said I wo n't give you my last name and you wo n't get anywhere with your case. As I was very upset by the attitude of this lady, I went to my loca l US bank office and asked the m to resolve the matter and have someone else look in to my case. They called the card member services and they informed me that my case is reopened. However, I have been keep getting letters in my mail that the charges has been reversed due to not providing enough information! But I did sent them so many documents to prove that I was right disputing that business, they just did n't want to look into my case. The charges are revered in my account, I was contacted by XXXX 's manager once and I called him back couple times and got no response from him. Nobody has contacted me about reopening my case and I get letters in my mail that my case is closed everyday. I am chasing these people for about a month, I have paid to send those documents, I have paid to have another business write me a letter and these people do n't even care, they just giving me a run around! They are horrible! I believe my case number is XXXX , Card Member services | ||||||
| 04/18/2017 | Yes |
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| Over the past 8-9 months we have many questions regarding our checking account at US Bank. Us Bank keeps taking out over draft fees and when we question these fees we keep getting a different reason or a different policy of why they are taking money out of our account. We have talked to over 20 associates atleast and we get no answers for these fees. US Ban k tells us that our deposits are not posting at the time they are deposited so when we go to pay our bills they take out money for these fees, so then we can not even pay our bills or even buy food for our family. I discussed with US Bank several times where they charged us the over draft fee, but did not pay our car payments and I had to call XXXX to try to figure out how our car payments were gon na get paid, since US Bank took money for fees. We are constantly in confusion about these fees and constantly living with fear if US Bank will just take our money. There have been so many other incidents that are the same. The last straw that we have had, I contacted US Bank again, because my husband put his check in and I wanted to make sure that US Bank did not take money out for these fees, I spoke with a man named XXXX , he stated that he was at the office in XXXX Oregon and that US Bank has taken {$2300.00} dollars out of our account for these fees. He stated that that was an anourmous amount of money. I explained what was going on and many people we have talked to and he stated that something was not right and that he would personally keep an eye on our account and if US Bank took anymore money out that he would make sure that they would not or he would personal make sure that money was refund ed. We tried to get copies of our statement, but was told that would be XXXX a statement, I agreed to pay for the statements. Then I was told that if I wanted those statements just to go online and get the statements online. My husband and I are very overwhelmed about all the money we have lost because of wha t US bank has done. We would call thinking we had money in our account because we just got paid and go to pull out money and US Bank would say no we took out money for these fees, so we could n't even buy groceries to feed our family. I would argue with them about these fees and they would say ( which was always a different person ) that as soon as we put our pay check in the bank they charged us fees for something they said happened a week ago. We just want to get this resolved and we want our money back so we can go and find a different bank that wo n't rob us. We dont have statements because US B ank was not helpful to give us that info. I feel like they are trying to cover up this whole situation. XXXX the last employee I spoke with stated that he would watch our account and filed two complaints within the company himself, but stated that we should also file a complaint with you. It is so sad that there own employee is watching our account so US Bank wont take our money. I ask if the fees could be reimbursed and US Bank stated that an actual employee at the branch oversees those fees and how much they charge people. When I spoke with XXXX and other employees I was told that was false information that was given. I asked if maybe somebody in the company could be manipulating our account and stealing from us. Again we just want this resolved, so are hard earn money that we work for is no longer taking from us. We have XXXX children and every penny we make counts. | ||||||
| 05/31/2020 | Yes |
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| Hi, I utilized the XXXX XXXX offered through my bank & like many others who thought that since this service is backed by their bank it was legit. I found out the hard that neither XXXX, UsBank or any other bank will help their customers when they are scammed of their hard earned money. I had wired {$800.00} as a deposit to a company name XXXX thinking I was putting a hold for a pup I had found through their website. I realized I had been scammed as my computer came across the same company & people who claimed they had done the same thing I did and they never heard another correspondent from these individuals claiming to be a legitimate company. After several follow ups with my bank regarding my claim & that through their investigation that the transaction was requested by me, therefore, my claim was denied. I'm realizing that my bank did no investigation other than this was an open & shut case as they never asked for any documentation I may have received to claim that this transaction obviously was a fraud/scam. I have the one thing via email from this company stating what my {$800.00} was wired for which was for the deposit of the pups. I did note that this company at the end of the email that they sent had no name addressed at the bottom. The name given to me by the sales rep of this company I made the transaction to is XXXX XXXX whose bank was XXXX XXXX..please beware as I'm sure this individual closes his/her account & phone numbers as soon as he acquires your money just as he/she did mine. This is a fraud/scam by a group of people & it's sad that there are never held accountable for what they do & no matter how much information that people who have been scammed give to the bureau of protection..these criminals are off & stealing millions from Americans. What worse is the banks no darn well who they do their business with in their establishment & guess what ... they have my {$800.00} & so many others money in their bank!!! I'm very disappointed at USBank & other banks who offer this service & then wipe their hands clean when their customers are ripped off. They don't tell you the important details to protect their clients. I was even told by a USBank fraud rep during one of my many follows- up regarding my claim that " the bank doesn't care who did the fraud but, are more concerned if I'm the one defrauding them! '' ( I know the banks record every conversation ). I couldn't believe my ears & how infuriated that made me as I have been with my bank for years!!! There needs to be some accountability from the banks, from XXXX or any company who have these types of services offered! Below is the attachment of the email I received from this so called company I made a transaction with : Payment Confirmation for your recent purchase. Mon, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : you Details Dear Client, We wish to confirm that payment for your teacup puppies ( XXXX XXXX XXXX ) amounting to {$800.00} has been received, your information has already been submitted for the processing of the change of ownership documents. Your delivery information will be subsequently submitted to the delivery sector for flight reservations, as soon as that is completed you will receive an email update and a follow up call with details about delivery such as the flight itinerary, the tracking number and all necessary delivery information. Thank you for your business. XXXX XXXX XXXX. Website link : XXXX XXXX XXXX The management. | ||||||
| 05/09/2019 | Yes |
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| To Whom it may concern, I have recently file a dispute with US Bank concerning unauthorized truck rental charges totaling XXXX. There dispute department have deliberately ignore my calls and lie and say that they have called me to discuss about my case. In addition, they have not been fair on reviewing the documents and consulting with me on their findings because a vendor has charged my credit card rental rates that I did not approve and sign ( and they do not have document supporting it or vendor didn't send it to US Bank ). The US Bank case processor is telling me that they have substantial evidence in which the backup does not show rental rates that I agreed to. I have called over 20+ times for them to call me and discuss their reason behind reversing the dispute and requested for a different case processor. Each time they lie and say they have called and was unable to make contact with me. The dispute is for {$120000.00} for a rental truck that I did not agreed to the rate that they are charging me. I request to speak to someone higher than the case processor manager and team. Fraud customer service department tells me that I have to contact the dispute department. Keep in mind that the dispute department are the very same people who is not contacting me back and are not doing their diligence in reviewing the case and documents that was provided.Today, XX/XX/19, I receive a call from someone in the dispute department and I answer the call. When I answered the call the other person on the line did not speak and then hung up the phone in exactly 12 seconds. I then call back because I knew it was the case processor ( I have their number saved ), spoke with the fraud customer service team and ask them to transfer me to the case processor who just call me 30 seconds ago. Of course when that happen they advised that the case processor was busy. " Go figure '' ... Nevertheless, in requesting for someone to call me, I had given 3 different cell phone number for them to call if one doesn't work. Of course, they only call one phone number and not the others and then they list in their notes that they tried to make contact with me. Then the same circle starts over again. I call them and they lie about contacting me. I put in a request for someone to call. They tell me someone will reach out in two days. Two days pass and I call back. They check notes and they say that someone call my number. I ask what number. Then they say it doesn't tell them what number they call. Then I say they didn't call me. Then they put in another request and the process start all over again. There is no accountability. I ask for them to email me. They said they don't do emails. I will be sending a letter to the corporate office but i shouldn't have to take the time out of my busy schedule to do that because the lack of knowledge and diligence from their team. I really need some help with this and I will not be using these financial institution anymore. Here are some of the dates of my calls. XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19 called to speak with case processor. No help and keep getting run around as stated above.I request to speak with a different case processor or team member that is not XXXX, XXXX or XXXX because all three of these individuals do not call or perform there diligence on the dispute. It is not fair that I have to deal with these same people that are playing the games. | ||||||
| 07/20/2020 | Yes |
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| We began our refinance process with US Bank on XX/XX/2020. US Bank is also the current servicer of our original loan, so we were refinancing with the same bank, however, throughout the entire process, it became abundantly clear that they have XXXX internal communication. There were constant errors and omissions that would be understandable if different institutions were handing off a loan, but this was all happening within the same bank. Figures changed dozens of times over the several months it took to finally close, we were overcharged for homeowners insurance that was with a company we no longer used, creating its own set of headaches and needing us to seek a refund check, but we finally closed on Friday, XX/XX/2020. Our present concern is that our existing loan payment with US Bank was not due until XX/XX/XXXX. I asked if, since we closed on XX/XX/XXXX, if that payment was still due we were told very clearly, no. It did not need to be paid. Our next payment on the new, refinanced loan, per our First Payment Letter, would be XX/XX/XXXX. However, on XX/XX/XXXX, I received a call from US Bank collections, asking where our payment was for XXXX. We were told we now have a late fee because we never paid. I told this person that we had refinanced the loan a week ago. We were told there were absolutely no records on our loan that it had been refinanced. US Bank has not even paid off the loan ( to themselves ). As far as this " half '' of US Bank is concerned, our old loan is still in full swing and there is no notated intention of our refinance with the " other half, '' despite the hundreds of pages of notarized documents I have that say otherwise. We are now being threatened by their collections unit to pay the amount we owe plus a late fee, or we will have a derogatory mark placed on our credit. We have never had negative credit notes in our entire adult lives, so we take this threat seriously. We have high-800 scores and guard them carefully. We pay everything in full and on-time. The only reason this balance has not been paid is because the loan has been refinanced, and we were told by our US Bank closer not to pay this old balance that would be negated by the payoff. However, it seems US Bank has defrauded us and failed to use that payoff towards our original loan. After we were promised on the XX/XX/XXXX call that they would notate the account as in refinance so that we would not be contacted again about this error, I contacted our closing agent with US Bank. She said the title company had issues wiring the payment and would do so first thing Monday, XX/XX/XXXX and cover all late fees. However, on the afternoon of XX/XX/XXXX, we received yet another call from US Bank, trying to collect our XX/XX/XXXX payment plus late fees. It appears they never notated the account as promised on Friday in the " first half '' of the Bank, never wired the funds on Monday as promised by the " second half '' of the Bank, and still have no idea what either side is doing. US Bank has repeatedly shown gross incompetence throughout this process and is now threatening our credit and to harm us financially. This can not stand. We have taken nearly four months of beatings from them and it has to stop. We kindly ask that our regulators look into this gross misconduct and abuse by a bank that apparently has every intent to defraud customers, or at the very least, can not competently close one of the most common, straightforward loans in US history. | ||||||
| 05/01/2015 | Yes |
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| On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc. with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank to yield any potential wrong doing on U.S. Bank 's behalf. On XX/XX/XXXX XXXX XXXX went on to give me the reason for why my loan modification was being denied by stating that it was the testimony given to them by XXXX that I was not occupying " the '' residence. As a result, per their guidelines, applicants must be occupying the residence at the time of modification for it to be approved. Nevertheless, when I provided U.S. Bank with contradictory evidence that proved otherwise XXXX XXXX stated she would have her manager to review this a give me a call back. When I called back and spoke with XXXX XXXX, I stated to her : " Something is not adding up. There is something about this loan you are not telling me. '' I stated to her : " Fool me once shame on you. But fool me twice shame on me. '' The reason I stated this was because this was the XXXX time U.S. Bank informed me that my home was sold at auction! Afterwards, I informed XXXX XXXX that I was going to go home and take pictures of my residence with my neighbors and prove U.S. Bank and XXXX 's to be frauds and hung up the phone. This is the moment by which I believe XXXX XXXX sprung into action and alerted her superiors of our conversation ; by which management within U.S. Bank commissioned XXXX to empty out my home, change the locks, and terminate electricity in an all-out effort to impede my defense of taking pictures that would prove I was occupying XXXX XXXX XXXX. During our conversation, on XX/XX/XXXX, I emailed XXXX XXXX my XXXX XXXX utility statement issue by XXXX on XXXX XXXX. Given the proper mail time, due to the holiday, my XXXX XXXX XXXX XXXX statement did not arrive until the week of XXXX XXXX, when U.S. Bank was slated to go to court and stop the foreclosure because I was told my application was complete and was eligible for loan modification! Therefore, when I provided her with this document ( see pdf : XXXX XXXX of XXXX ( XXXX MB ) from case number XXXX ), on XX/XX/XXXX @ approximately XXXX EDT XXXX XXXX stated that there was nothing U.S. Bank can do since " the '' home was sold at auction on XX/XX/XXXX. Nevertheless, on XX/XX/XXXX @ XXXX XXXX XXXX with U.S. Bank stated that my loan modification was still being processed ( see pdf : XXXX via case number XXXX ). If what XXXX XXXX told me was an accurate and true statement how is it that on XX/XX/XXXX I was told by XXXX that my loan modification was still being processed? If I was informed on XX/XX/XXXX, well over a year time span by which XXXX XXXX stated that there was nothing else that can be done in regards to my loan modification, I would like U.S. Bank to explain to me in detail why my loan modification was improperly declined in XX/XX/XXXX ; moreover why U.S. Bank believes their actions does not constitute misrepresentation, fraud, and breach of contract to the Settlement Agreement U.S. Bank signed and agreed to uphold by offering XXXX dollars in loan modification to " eligible '' applicants? | ||||||
| 03/30/2017 | Yes |
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Web | Older American |
| XX/XX/XXXX Dear Sir or Madam : This dispute regards a US Bank " Easy Checking account '' XXXX, opened at the XXXX, XXXX, WA XXXX branch. In essence, I asked for and opened a simple checking account with US Bank with {$25.00}. Not known to me, this account also contained a {$6000.00} Line of Credit, a Visa Card, and a monthly fee. Despite XXXX activity on the account from inception through today, my credit is in tatters and US Bank will do nothing to help. ( See attached US Bank letters ). What happened : I opened the checking account XX/XX/XXXX to handle the proceeds of a real estate transaction in California, which was then in process. The transaction failed ; although I did sell the property later on a private note. So I did not ever need the US Bank checking account, as all our other financial matters are conducted with XXXX here in XXXX WA. In fact, I have never executed a single transaction of any kind with US Bank, other than opening this account on that day. In fact, I forgot I even had this account. My clear understanding ( see signature card copy attached ) was that I had opened a simple no-fee checking account. Now US Bank does have such a thing ; but apparently it is n't called " Easy Checking Account ''. The intake person at US Bank wondered why they did n't give me that, while taking my dispute. There was no mention of a Visa card, Line of Credit, or fees at the point of sale. I already have both those items with my primary bank XXXX ( XXXX ). 2 years and 2 months later, here in XX/XX/XXXX, I receive a letter from XXXX, a credit collection agency, asking for {$150.00} in delinquency monies. I was shocked. I returned to the bank branch and asked for an explanation. The Branch Manager told me that attached to my Easy Checking Account was a Line of Credit for {$6000.00} and also a Visa Card. He verified that the credit card had never been activated and the Line of Credit had never been accessed. He also told me that since the LOC and Visa card were attached to my Easy Checking Account, there were monthly fees attached. I had no idea. So what happened was they drew down my initial {$25.00} deposit with the monthly fee, and then when it reached XXXX, began to draw from the Line of Credit to keep the Easy Checking Account afloat. This in turn required monthly payments to the Line of Credit from me. Finally, without so much as a phone call, they closed and " charged off '' the entire account in XX/XX/XXXX to the XXXX Credit Reporting Agencies. I was aware of none of this. After much discussion, and then phoning US Bank 's dispute area, US Bank sent a letter ( attached ) stating they would do nothing change their delinquency report. So, on the advice of my real bank, XXXX, I paid in full the disputed amount of {$150.00} to the collection agency on XX/XX/XXXX. Some of the fallout from this mess is a 19.5 % increase ( {$340.00} annual increase ) to my auto insurance rates, per my agent, directly attributable to this credit blemish ( attached ). Also, we are attempting to downsize and purchase a new home. My lender has pointed to the XXXX to XXXX points extra I will be paying for a real estate loan. The cost is becoming astronomical ; and the cause of it all is a {$25.00} checking account, issued under what I consider deceptive circumstances. I am now turning to you folks to request that this black mark on my credit be removed from my credit report, and my good credit standing restored. Thank you! XXXX | ||||||
| 05/23/2023 | Yes |
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| I have been banking with US Bank for around 3 years now with no other problems. I attend college and was recently reached out to by someone who I thought was within my school ( they were using a school email account ), about a job proposition. We email back and forth about job details before he agrees to send me a check for my first pay and for the errands I was going to run supposedly ( the job was a XXXX position for someone claiming to with a security company ). When the check arrived it had the sum of a little under XXXX , I made an additional account with my bank for the funds I was going to receive from the supposed job. I deposited the funds by mistake originally into my main account, but after a day the check was processed and accepted into my bank. Where I then moved all but XXXX $ ( my supposed pay amount ) into the new account. Thursday XX/XX/2023 My supposed employer was then asking me to XXXX a local camera shop XXXX $ XXXX supposedly. When I did this and it didn't immediately go through they asked me to cancel the payments, which I then did, so none of the money was spent. They then kept asking me to buy gift cards to pay the Camera shop, which I did not do, because despite all the other red flags that was the one that screamed in my face that this was most likely a scam. I still was in my mobile banking app with it open, not doing anything but was then told my mobile banking was unavailable and my XXXX XXXX was notifying me that my debit cards attached to my wallet were no longer valid cards. I call my bank immediately to find out what was going on, which they informed me my account was under review for fraud and was most likely going to be terminated, but that I might be able to talk with my branch manager about this to still save my account. I went in and all that she was able to tell me was that my account was currently being closed by the fraud department and that this job was a scam. My branch manager also told me that there wasn't anything she could do for my account as it was handled by the fraud department and also that I would never be able to bank at US Bank again because I am a risk for fraud now and they have a XXXX tolerance policy for even accidental fraud, where the person didn't know what they were doing. They then advised if I wanted some other resolution that I would need to call the fraud department about it. Sunday XX/XX/2023 I called the fraud department again and they explained that yes my account is under review for fraud, in which none of my funds are accessible and they will not be closing my account to dispense any funds to me yet, and that there is no time duration on how long it will take them to close my account, or send me my funds from the account to me. They also informed me that this process falls under a different branch besides the fraud department, in which has no email or phone number to contact them at and that any communication when sent will be done so only by mail. My issue is, I work, yet I have no money to pay my bills that are due at the end of the month like my rent. I am going to be evicted because I can't access my bank account or its funds for the next however long the bank decides to take. I did not spend any money received from the faulty check that had my account shut down and have been a good customer to the bank for a long time, and now I can not bank with them ever again because of something I wasn't involved in besides being the victim who is scammed. | ||||||
| 10/25/2016 | Yes |
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| Let this letter serve as my formal complaint regarding a loan through US Bank. US Bank is engaging in unfair and abusive practices that have caused and will continue to cause me actual monetary harm. The acts arise out of a 2nd mortgage my wife and I took out on XX/XX/2016. The transaction was completed at the XXXX Minnesota bank branch. The purpose of the loan was to refinance high interest credit card debt, into a low interest 2nd mortgage. The total amount of the loan was for {$25000.00} At the time of closing US Bank told me they would send the payment in to my credit card providers. I did not ask for an address for my credit card providers, nor did I offer one. They did not provide me with any payment options. They elected to send cashiers checks on XX/XX/XXXX. XXXX of the XXXX checks made it to my credit card providers without issue. The XXXX one valued at {$8800.00} did not. On XX/XX/2016, when it was clear that the payment had not cleared, I contacted the credit card provider and US Bank. The credit card provider did not have any documentation of receiving the cashiers check. US Bank has provided me with a letter they claim went out with the cashiers check, but no other proof that such payment ever made it to my credit card provider. I asked them to confirm whether the check had been cashed, they said they would look into it. On XX/XX/2016, I contacted US Bank, and again asked whether the cashiers check had been cashed, they got back to me later in the day and said that it had not been cashed. I asked them to stop payment on the cashiers check and reissue the check directly to me, to avoid additional delay in payment of my credit card bill. On XX/XX/2016, I followed up on the stop payment process. I was informed that I would have to sign a Declaration of Loss and Indemnity agreement in order for the process to be complete. I spoke to both XXXX XXXX and the branch manager, XXXX XXXX. XXXX assured me that the indemnification was n't a big deal, and that US Bank would not cash the funds if I signed the indemnification agreement. The declaration of loss required that I acknowledged that I loss the check. I did not sign this because it was factually untrue. I never had possession of the check, so I could not therefore lose the check. Im not even in a position to confirm or deny that US Bank actually sent the check to my credit card provider. Indeed, my credit card provider does not have any record of the check. The indemnification agreement would require that I indemnify US Bank if they happen to pay the funds of the cashiers check to anyone for any reason. I of course refused to sign that as well. Because I wont agree to sign a declaration of loss for a check I have never had possession of, and I wont sign the indemnification agreement, US Bank refuses to pay the remaining {$8800.00} owed to me under the mortgage agreement. It is my understanding that they may or may not pay the funds after a 90 day waiting period. They refuse to waive the interest for the {$8800.00} that they have not paid me. As a result I will be forced to pay {$120.00} over the next 90 days on funds that I do not have access to. Again I did n't ask US Bank for cashiers checks, I did n't even ask that they send them to my creditors for me. In addition to being forced to pay the interest on the US Bank mortgage for funds not received, I am still paying interest on the higher rate credit card, because they have not yet received the funds. | ||||||
| 11/04/2020 | Yes |
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| I have been a good customer with Fidelity for over 15 years. During my time with them I decided to get a credit card from a Visa provider with the name of6 Elan Financial Services which I used as my main personal and business purchasing source. Due to our country 's trouble over the past year I had some issues paying all my bills but always stepped up to the plate and at least contacted them. I was given a personal individual by Elan who I was in contact during some hard times but we completely understood what my only options were. I assured her that I was selling some property which has been in my family for a 150 years just to get through my family 's financial problems. I first sent this message directly to Elan " On XX/XX/2020 at XXXX XXXX the following message was sent : I am almost able to pay a lot more then the monthly payment. I am selling some property and just listed it this week. Please try and hold off a little longer I beg you. Things are very hard right now and my family is struggling. I am selling property that my great grandfather owned and it has our family in torn places right now. The piece I am selling has a 850 year old oak tree and it tears me apart for having to sell it. The world is at a place where people don't understand why they are having to stay away from each other. But I am sure that we all will be ok soon. I will start contacting you every week with an update but I am sure it will be gone soon and I will have the money to pay you back. I'm one of the most creative people in this world but nothing needs creating. My homes are very unique and I have to get back to the place I belong ... .Thank you and God Bless '' and then talked with my agent assuring I would have it paid very soon. again she assured me I would not have my account closed. On XX/XX/2020 I paid my account up to date and was relieved. Well, so I thought. To this day it still shows I can use my card with everything showing as if it's still working. What I am very upset with is I am almost XXXX with no retirement in site and a credit score that went from XXXX to XXXX in two months because due to the closing it shows I am 269 % over my credit ability. I want justice and I want the stimulus money our government gave to this company. I also want our country to bring back service6 and help to all of us. People must stop relying on computers when it comes to emotions and when a person agrees with another person it must be followed to their understanding of what the issues are based on our governments verbal presentation on our problems. We need to get our live6s back to remain a human compassionate world or we all shall be blamed for destroying what god created. When a computer has the power to govern the laws placed on a companies policy with no feelings allotted for human error I promise you everything you see happening now is a small pain compared to the one which will come from our mistakes which deletes one human from caring about another. People may think whatever they want but one thing all of us do is cry when we are sad and smile when we are happy. Look around because no one is smiling and it is just the beginning of so many tears. Thank you I'm complaining about Elan Financial Services who neglected our governments rules due to the covid-19 Pandemic. XXXX XXXX XXXX. I've attach screenshot showing how my account still says I have available funds on card. Shows you how much these companies are in business with each other. | ||||||
| 01/20/2022 | Yes |
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| Us Bank My employer had me go to the bank close to his home/office Because of traveling for work and never going there. Direct deposit. Advances and company expenses fuel expenses. Sent through this account. I had been dealing with a battle of reports of a former employer in the same industry of fraud. Bank fraud etc Well after I made original police reports. They spent every moment for nearly 3.5 years to cover it up. XXXX XXXX XXXX was a new employer That we, my former employer and most people in XXXX XXXX industry know one another. My former employer did some things to scare my new employer .. XXXX XXXX XXXX XXXX XXXX while traveling through XXXX Oklahoma XXXX This us bank account was only a week old And needed because my former employer frauded my XXXX XXXX XXXX and so many issues and police not cooperating or persuing my reports to local and FBI That I have had to be responsible for my claims and their fraud So I opened us bank account. Week old account when I went to use my debit card in Oklahoma. My account was closed So I called the XXXX XXXX bank were I opened it only week prior to ask why it had been closed and I needed this account and couldn't get back to that state for long while. The banker said,, " because I wasn't using it '' Well what I found to of truly happened. XXXX owner of XXXX XXXX XXXX, had his buddy personal friend who works there close my account. Out of fear of rumors and cover up my former employer was causing covering their acts up tricking police I'm unsure now in America where folks can do as they please in your bank accounts. Close them. .make charges. Order debit cards for their own use? And the owner.. well victim Had to just be ok with this and let it go Because the police neglected to properly do their jobs and just not believe a few small businesses would do such a thing without a criminal background. And nice people. Is not acceptable for me. It's criminal And Usually law enforcement actually will investigate Not just assume they sound good And innocent so they must be. This is not how the American justice system typically works And I'm now unable to get a normal secure bank account from a financial institution because I'm responsible for fraud claims. I have also reported this to you in the past however My former employers l, XXXX XXXX XXXX XXXX, XXXX Oklahoma local police station refuses to do anything with my police reports or claims Has stopped all processes of legal action. With intentionally stating these people are innocent of reports and claims I'm unsure why But I'm not a liar And I'm unsure why this would continue to be ignored They do still hack and monitor me to Watch what I report To whom I report to And somehow stop me from recieving responses or actual investigations. These are Financial institutions. Federaly insured. So I need help Even if you cant help Could you please forward to the proper authorities or government? With a heads up of Everything I just stated And how these two companies were able to manipulate law enforcement That they are innocent and I'm just fabricating stories To get money out of them or to be vindictive. I'm totally lossed on a vindictive motive.Im not looking to receive money I'm looking to push criminal charges and a few law breakers of state and federal crimes to have to Face consequences of their actions.. I " shouldn't have to pay for others criminal behavior Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/12/2019 | Yes |
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| I obtained a secured credit card with US Bank in XX/XX/XXXX with XXXX CL. On XX/XX/XXXX, I went to the website to pay off the balance of nearly XXXX. I looked at pending payments and 3 payments for the same amount showed up. I cancelled 1 and all 3 pending payments disappeared. I rescheduled the payment and once again, 3 pending payments displayed. Figured this was a software defect with how the website displayed the data. On XXXX, my checked my local XXXX account and 3 separate payments for nearly XXXX had posted and cleared my account causing a XXXX over-payment. Logged into USBank 's website and showed I had nearly a XXXX credit balance and nearly XXXX available credit. -- I called USBank on XXXX and spoke with a CSR. She indicated a paper check would be issued on Friday and would arrive in XXXX business days. -- I checked USBank 's website on XXXX and still showed nearly XXXX credit balance but only XXXX available credit. -- Called USBank on XXXX and the 2nd CSR said that they would not be able to issue a refund that quickly as they would have to investigate and it would most likely be Monday XXXX and that the overpayment would be refunded via ACH. -- Called USBank on XXXX and with website still showing XXXX available credit and XXXX credit balance. She indicated that the ACH should be getting pushed that day but said there was no way to know for sure. -- Spoke with USBank Social Media relations on XXXX and she indicated she would escalate and someone would call me within 24 BUSINESS hours ( i.e. 3 business days ). -- Called USBank on XXXX and requested to immediately speak to a supervisor. Wound up having to spend 15 minutes with 1st line CSR before he would allow me to speak to supervisor. -- Transferred to supervisor on XXXX who assured me that it was being taken care of. Asked what that meant and she indicated that the ACH will be issued. I asked for clarification of " will '' as in future tense ( if so, when ) or " has been ''. She said had been -- that she could see that the ACH refund transaction had been initiated. -- As of XXXX, there was no money returned to my local XXXX. However, at this point, my available credit was nearly XXXX dollars on a XXXX CL secured card. -- Called USBank again on XX/XX/XXXX and CSR indicated that all opened cases had been closed and that a physica check for the amount owed had been sent to me and would reach me in 7-10 business days ( now putting us 3 weeks of them holding my money interest fee ). He apologized profusely, said that he would escalate etc. As a direct result of the negligence of USBank : -- I have not been able to pay my rent because I have not had access to the XXXX bucks I was expecting to have. -- I have bounced a check with my local credit union because my balance has been XXXX less than it should be through USBank 's pulling my payment three times. -- I have had my cell phone disconnected due to the bounced check and have had to pay a re-connection fee and bounced check fee. -- I have had to spend over 8 hours over the last 10 days ( the equivalent of 1 business day ) trying to resolve this situation. I work full time and this is the equivalent of one day off from work for which I have not been paid. Attached, please find the statement that shows 3 payments for XXXX on XX/XX/XXXX. Please remember this payment was for a XXXX CL Secured card. Most credit cards will not allow you to pay more than 7-10 percent more than your actual balance. | ||||||
| 12/01/2017 | Yes |
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Web | Older American |
| I attemped to open a merchant credit card processing account through a vendor was told that i was denied by the underwriter. Approached what i thought was a 2nd credit card processor ( I was referred to them by my bank of 27 years ) XXXX and submitted an application for merchant credit card processing for minor travel agency service fees to accompany the few airline tickets that i still process for some clients who have no web access ... .I was informed that my website stated that i sold travel to over 90 countries ( this is not true ... it stated that i and my staff had personally visited over 64 countries at thet time of the website development and publishing which was XX/XX/XXXX( pre-terrorist sanctions list ) ... i was then told that I would have to change the wording on my website or produce a detailed list of what countries i sell travel to.? ... I had no idea which sanctions list the underwriter was referring to ( there are over 5 or 6 lists for various sanctions under the OFAC ( office of the treasury foreign asset control ) and SDN list ... .so i tried to search on the internet to find such an updated list, where i could list all countries except those on the sanctions list ... typed that up and submitted that to the underwriter at XXXX ... in a play of " gotcha '' my company was denied access to credit because I had left XXXX XXXX XXXX on the list submitted. I phoned the dept of treasury and spoke to XXXX XXXX who informed me that XXXX XXXX XXXX had been removed from the sanctions list inXX/XX/XXXX yet that was the premise used for denying my company access to credit. Not my creditworthiness, not my 27 years of continous management under the same ownership, not my character or reputation ... but because this auditor trained under DOJ and Obama Chokepoint bank era goons..had the power to do so. had left a msg at the XXXX DC office of OFAC enforcement, got a return phone call this XXXX. from a XXXX XXXX who informed me that XXXX XXXX XXXX had been taken off the sanctions list and that the underwriter at XXXX didnt know what he was doing, # 2/ he informed me that the countires sanctions list was never designed to have been used in this manner and that i should not have to make daily changes to my website to list what countries i XXXX XXXX to also had a call in to a manager XXXX XXXX aXXXX XXXX so followed up on that as he and i had been playing phone tag ... ..He still was not available, but in an " off the cuff '' moment with the guy on the phone, as soon as he heard i was a " XXXX XXXX '' he said, oh yes, your industry has a hard time getting approved .... ( left over Operation Choke Point XXXX ) he admitted that many of the underwriters had been trained using the previous restrictive OBAMA DOJ bank harrassment standards for certain industries gun shops, beauty salons, travel agents, massage parlors ... ..great to think that my profession is grouped in with lap dancers ... .but he literally admitted that some underwriters were still using this old Obama holdover criteria to evaluate credit access for small businesses!!!! I was stunned ... .but not totally shocked as this is what i had expected all along .... ..there may be a new sheriff in town ( Trump ) but Obama 's minions are still out there in force and still denying access to credit to a XXXX female owned small business with an excellent credit history and under same ownership and management for over 27 years ... am asking for your help in this matter | ||||||
| 07/28/2017 | Yes |
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| OnXX/XX/XXXX my friend and I attended the XXXX Home and Garden show where we each made a purchase from a merchant XXXX XXXX XXXX, XXXX XXXX, CALIFORNIA. My purchase was for {$4200.00} and his was for about {$800.00}. Later that day we decided to return the products and called the phone number on the sales receipt and we were told to come back to see them. We immediately returned to the booth where the products were purchased with all of the products in their original boxes unopened and requested our refund. At no time during the sale was I told this was a final sale, no returns. During the demonstration I point blank asked the salesman if the merchandise was returnable and he assured me it was. When I arrived I was greeted by salesman that sold the merchandise earlier that day. He tried to talk me into taking additional merchandise and also wanted to upgrade some of the products. When I refused the additional products and merchandise he refused the refund. I asked to speak to his manager he called him and in a few minutes he came over to the booth and told me that I had signed the receipt that said no return no refunds. At no time during the sale was No returns, Final sale mentioned and It also was not posted in their booth. During the demonstration of the products I asked about their return policy and was assured that I could make a return. Because the manager of XXXX XXXX XXXX refused the return, I then went to the management office of the Home and Garden show and asked to speak to the person in charge of their merchants. A few minutes later the exhibit consultant came out and said she would talk to the people at XXXX XXXX XXXX. While she was talking to them I contacted the US BANK number on the back of my credit card asking how I can avoid paying for the products I returned when they were refusing to give me my refund. I was assured that I could file a dispute and would not have to pay the charges. I made several calls that evening to the customer service number on the back of my credit card, each time I was assured that I would n't have to pay if I filed a dispute claim. When XXXX XXXX XXXX offered to refund me 75 % of my money I again called the customer service number and they told me to take what I could get and to dispute the additional 25 % later. I then went back to XXXX XXXX XXXX with the exhibit consultant and they were going to make me sign an agreement not to dispute the remaining 25 % restocking fee with the credit card company. Why would I agree to pay a 25 % restocking fee when I saw the sales people restock the products that they sold to us earlier in the day? We called and started the dispute that same night when we got to my friends home. We both received letters from US BANK Flex Perks asking for information about the dispute in about one week we both filled them out and returned them to US BANK. About two months later we were again asked to give additional information about the dispute. Later my friend got a letter telling him that the dispute was determined in his favor. I received a letter telling me that my dispute was denied. I called the credit card company and spoke with the person that signed my dispute letter she refused to make any changes I then asked for a supervisor who told me that my dispute was denied because I had signed the no refund no return sales receipt. When I asked why my friend go his charges refunded and I didnt he said he could not comment on another persons account. | ||||||
| 01/13/2017 | Yes |
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| This is second complaint, in past six months on Lender US Bank. Soon after last complaint, after years of trying and struggling with home payment after existing predatory loan, US Bank put me in loan modification process. I was to be approved as long as I made 3 Trial Period Monthly Payments, for each of both mortgages I have. I made those 3 months of payments for both loans. Those monthly payments, in trial period, were definitely better than what I had been paying for years. I was told on 2 different occasions, by XXXX different associates, that those trial period payments were going to be pretty similiar to new modified payments. I recieved loan documents for main mortgage and I thought information was for both loans combined as it was n't far from what I had been paying for mortgage XXXX all along. It had escrow added in and was only {$75.00} cheaper from what I had previously been paying. I called US Bank and the relationship manager did not know, so she looked into it and called me back the next day stating it was for just first mortgage and second mortgage docs would come in a month or two. Well, first loan doc had to be sent back within 2 weeks and I had no clue what loan doc XXXX would even look like! But loan doc XXXX made monthly loan payment only {$75.00} cheaper a month. Suprisingly, after looking thoroughly and comparing new to old, US Bank raised my unpaid Principal Balance significantly AND added 5 more years to payoff. And the high interest rate of almost 7 % stayed the same. So all in all, this loan mod, was to save me {$75.00} a month but at the end of the day ... ..by signing this document US Bank pockets over {$70000.00} more on this loan than before. This was no loan modification! This was fraudulent and only working in their favor and I did n't even know timely, how loan XXXX modification looked. US Bank and their relationship managers tell you things only to hurt you in the long run from getting refinanced or getting any help. They tell you things only to stick you more than you were before. I have previously been told to go delinquent to get approved for process. I have been told 3 months ago to make trial payments which were significantly lower ( and supposed to be right on to new payment, minus escrow ), and I was told to totally ignore all letters coming to house because they are so-called computer generated and they do n't know what I am on as far as trial period. I received 3 certified letters and probably 2 letters a week saying I am behind on mortgage, for 3 months. I was up-to-date on mortgage before this, struggling with payment, but barely making it. After told to make trial payments only and seeing outcome of this RIDICULOUS loan modification for first mortgage, and having no option to decline because of making absolutely no sense to agree to this, I am told to be current I have to catch up both mortgages by paying $ XXXX+. US Bank told me to do this!!! They told me this loan mod would be beneficial since I was approved. It has been completely opposite and has damaged my finances and credit score even more!!!! The lender and it 's relationship managers have only lied throughout whole process, for years. I have every letter, every piece of note throughout whole process from phone conversations, from all XXXX relationship managers I have been assigned too. I have already began to next step so this bank do n't try setting up the next person and put through what I 've gone through. | ||||||
| 02/09/2021 | Yes |
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Web | Servicemember |
| I have been having an ongoing issue with the handling of my accounts that I have with US Bank. On XX/XX/XXXX I was informed by Fraud Liaison Department that my accounts were being reviewed by Internal Investigations and suggested that I go to the branch located at XXXX XXXX XXXX XXXX to speak with interim branch manager XXXX XXXX. They stated an email had been sent with my account information and he could discuss the details further. at XXXX I got to the branch and requested to speak to Mr. XXXX , he stepped into the lobby and without verifying ID he began to speak about my accounts. I immediately stopped him and asked for a private location to discuss the matter, his mannerisms were very short as he sighed and invited me to a conference room without grabbing a laptop or anything to access the system to address my concerns. I stated to him that he clearly already knew who I was and I came to get clarification as I found that my debit cards had been switched in the system to different accounts of mine. His reply was that US Bank had decided to terminate the relationship and he had nothing further to offer. I let him know that I was instructed to speak to him and an email had been sent and I'd like to discuss what's going on as I have been left in the dark since Thursday. Mr. XXXX repeated that he does not have to discuss with me what's going on and I only need to know that US Bank is terminating the relationship. I informed him that I was ok with the accounts being closed as I do not like the service I am receiving and being treated as a criminal when I have done nothing wrong at this point I would like to be able to close my accounts and receive my money. Mr. XXXX replied that I have an account with a negative balance and " We don't know how much you will owe us so we don't have a end date we will close the account when we determine no more transactions will occur. '' I asked him to elaborate to me how someone was able to switch my debit card from one account to another and he stated again " US Bank has decided to terminate the relationship '' I repeated that I was given instructions to meet with him for further detail in which he replied that no one would do that because the bank can reserve the right to withhold information. I asked him how was this possible, he replied " Just as you can close your account and not tell us we are able to do the same. '' I then said " For clarification, I have questions - you will not answer for me? '' To which he replied " yes. '' My interaction with him was very demeaning and very degrading, not only did he do absolutely nothing to safeguard my information by verifying my identity, choosing a non private place to discuss my personal finances and refusing to close the door once a office was secured. He absolutely refused me service as if my presence annoyed him. I called the day prior and he refused to get on the phone, and he admitted to not reading the email that was sent from the Liaison advocating on my behalf for information. I left the bank feeling defeated, disrespected and undervalued. I still have no knowledge as to what is going on with my accounts other than seeing my debit cards suddenly being linked to different accounts. My main account has disappeared from my online banking along with statements and the money that was present. To date, there is no ETA for disclosure of information, solution of this internal issue or status of my money being given back to me. | ||||||
| 08/26/2016 | Yes |
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| In XXXX, I was forced to refinance my home as for some reason, the prior escrow account was short. I had no way to pay the money they wanted so I was told by XXXX XXXX to refinance. I was young and unknowledgable, about mortgage loans. I was told they put me in a good situation. I was put in a terrible loan which would affect everything I do from that day till now. I am paying {$1700.00} a month for XXXX mortgages, prop tax, and home insurance. The XXXX interest rates on these loans are 6.75 and 12.5 %. I recently was told I should be paying {$980.00} a month for all from a mortgage specialists. So for 11 years, not only have I been paying double but I still have NO EQUITY. XXXX, the broker, has went out of business for predatory loans. Attached is an article from XXXX XXXX, of Attorney General ( Ohio ) findings on that company. Next, the lender, US Bank has just cashed in on me! I have sought out doing loan modification but in XX/XX/XXXX it failed. I gave up! I tried again in XX/XX/XXXX to now, only going through XXXX relationship managers and many lies. I have been told countless times I need to resubmit additional documents after I have XXXX ... times before. Then I am told they have everything for review and only to get a call months later asking for same items again. US Bank has sent me letters stating that review will be done by XX/XX/XXXX. It 's almost XX/XX/XXXX and still nothing. But I got notice again, just the other day, they need my first paystub and insurance Declaration page. AGAIN!!!! Just XXXX weeks ago, while I was at work, my relationship manager told me to call her back. Voicemail, which I saved, said " Call me back, I have GREAT news for you. '' On break I called back and I had to go through process of stating name, address, account number on top of other things. She then told me I was approved for loan modification and I would be put on a 3 month trial period paying on {$480.00} a month for mortgage XXXX, from {$1100.00} I have been paying for many years. I thought this was awesome. I may finally have some extra money! Negative, I was called back a week later saying she had the wrong person and that was not for me! Another blow on top of many I have taken from this company! Back in XX/XX/XXXX I was told to my relationship manager back. I did, however she was unavailable. I was transferred to another who went off notes and told me that if i remain current through XX/XX/XXXX payment, I would start trial XXXX XXXX. This was not correct either as I just found out on Monday of this week. The relationship manager before this one, told me its best to go delinquent on loans to get approved in modification. So, to this point I never missed a payment. I just had no money to do anything else because I was always current with all bills and my XXXX credit score proved that. I took her advice and probably missed 7 or 8. I got approved finally but the 3 month trial period payments were ridiculous. I refused as I could n't come up with that money. It was US Bank trying to get missed payment money back, and that was all. I had to pull out of my retirement to catch up on all those missed payments back. My credit score has dipped under XXXX. I ca n't even talk to a refinance company because of missed mortgage payments, until I am at a year of no missed payments again. I was told to miss these payments from US Bank! They have put me in a world of hurt ever since that predatory loan originated in XXXX. | ||||||
| 05/08/2020 | Yes |
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| On or around XX/XX/XXXX I contacted XXXX XXXX XXXX Center in XXXX TN AKA XXXX XXXX XXXX to inquire about a brand new XXXX XXXX boat they had listed for sale After several discussions I selected one, was approved for a loan through US Bank and agreed to move forward with it. Nearly 3 weeks later, XXXX XXXX from the boat center reached out stating we had to buy a service package in order for us to qualify for US Banks 3.99APR buy down program. Under protest, we agreed and added {$3500.00} to our loan to get the rate originally quoted. The contract was signed via scanner as I am out of state. No notary was present. Any notarized signatures are false. On XX/XX/XXXX, the delivery driver dropped off a used boat, not the new one we purchased, and would not allow us to refuse delivery. So I read over the contract and saw the terms were Ohio. So I requested a right of rescission through the boat center, they refused to allow us to cancel the purchase contract. So I called US bank and informed them of the issues and explained I wanted to rescind they noted the account and provided me an address to send my recission. I did. I asked about the buy down rate, and they said that was a false statement its not part of their programs. US Bank knew at this time that false information was used to induce a loan and loan terms and options were violated. US Bank did nothing. The boat center said they could upgrade us. Then we received a contract showing they were not cancelling the other loan but doing a 'trade in ' I expressed concern that this was not ethical. We were not even in possession of the boat to trade in and we were losing money. My credit WAS run again. A new loan was generated but I did not agree to a new loan. When I informed him of that he said then I'd owe for the used boat and they'd make me take possession of it. Under duress and threats I signed because I literally had no option. The old loan they kept the funds from.The profits and commissions. I complained to US bank. They rewrote the contract and said we'd have the same service package ( we were forced to buy ) transferred. I signed. The new boat was delivered XX/XX/XXXX and also had issues. They would not allow us to cancel. I notified US Bank again about the issues. I spoke with the Loss Prevention department and dealer department in addition to my local branch. The fraud is well documented. I called the bank XX/XX/XXXX, XXXX, XXXX, XXXX as well. This entire process was built on false advertising, fraudulent threats, unjust enrichment and illegal sales tactics. I researched and found SO MANY CUSTOMERS have gone through this same situation and US Bank is the lender, it seems the ONLY lender that will work with this company. US Bank has been notified of this companys illegal tactics before my complaints and did nothing to mitigate or prevent harm to me, and other customers. I believe US Bank is facilitating fraud, whether intentionally or not, and I would like the OCC to fully investigate the loans provided to this company. I will gladly attach statements from so many customers who have experienced the same fraud to illustrate how this is not a coincidence, but a pattern of conduct. One that US Bank should have recognized long before now. I would like both loans cancelled without adverse affect to me or my credit. I would like the boat to be returned to the dealer and I would like my {$3500.00} + payments returned to me. | ||||||
| 09/12/2023 | Yes |
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| When I was working as a teen, I opened a bank account at US Bank on XXXX XXXX in XXXXXXXX XXXX. I had to open the account with my mother because I was under the age of XXXX, and they would not allow a minor to have sole ownership of an account. When I went to college at XXXX in XXXXXXXX XXXX in XXXX of XXXX, my mother moved to XXXXXXXX XXXX. Before relocating, I had called US Bank and requested my name be removed from the account because I was not longer going to use the account since I was a full-time student and did not have access to a US Bank because they do not have any XXXX locations XXXX I was informed that I could not remove my name form the account over the phone. I had asked my mother on several occasions to please removed my name from the account while she was in TN, but she claimed she had already done it and since she had changed the password to the account, I no longer access to view my account online. As the months passed, I had less and less communication with my mother as she was not mentally well and was starting to act erratically and was no longer able to help me pay for school, stopped paying my cell phone bill and my service was disconnected. When school ended, I went to live with my aunt in XXXX XXXXXXXX XXXX and started working at XXXX XXXX. My aunt took me to her XXXXXXXX XXXX to open an account when I found out that they were unable to open an account in my name or even with my aunt as a co-signer because my account with US Bank had been charged off. I was in shock and had no idea there were issues with my account as I no longer had access to it and was not receiving statements. My aunt, immediately, drove me to US Bank to find out what had happened and they explained that in XX/XX/XXXX, there had been 2 checks written to my mom by a cleaning company and they had placed a stop payment on both checks after my mom had withdrawn a little over {$700.00}. They had been sending her mail to the previous address, but she was not receiving them because she had not left a forwarding number. After much pleading and escalating to remove my name from this account and relieve me of the financial burden of the {$700.00}, they sent me a letter letting me know that they could not remove my financial responsibility and that the bank hold would continue until the charged off account was paid in full. Even though they understood that I had nothing to do with those transactions and was not even living in XXXX or near a US Bank where I could walk into bank and request the account be closed previous to this happening, they refused to help me remove myself from the situation. They even said I could have removed myself from the account, after time and time again, I was told I could not remove my name from the account. Apparently, I could have closed the account without the other co-signor on the account, but not remove my name. I learned of this after I received a reply that they would not remove my name. It is very frustrating that they are holding me responsible fore something I had no control of and had nothing to do with the transactions and they know it. US Bank should do the right thing. They are hurting my credit, which would otherwise be good. I am a young person who is responsibly, XXXX XXXX XXXX as an XXXXXXXX XXXX student at XXXX and I cant even take out a student loan without my aunt co-signing on my loan. What US Bank is doing to ruin my financial credit worthiness should be illegal. | ||||||
| 01/04/2021 | Yes |
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| I receive unemployment and I had no issues well the workforce section of their website had an old address from when I had previously used workintexas and lived in XXXX and the info on the workforce work in texas was from XXXX so I hadn't realized that and updated it to do my worksearches for my unemployment I've been getting since XXXX I updated my address in XXXX so unemployment side of website had my correct address but the workforce work search side of website had the old info and updating my address sent an alert to reliacard about an address change but the address didn't change for reliacard it just shows I updated it and it took them until XXXX they flagged my account and restricted it asking for verification of my identity ok I have faxed emailed used their app their website their ID upload numerous times over 20 times and they always say well give it 5 business days or 2business days ... I get different stories everytime I call which I am on hold sometimes 3 or 4 hours .the images I upload are not blurry I get the confirmation numbers and they will not lift the restriction and have placed my account in read only mode and is now inactive .I can not close account transfer in or out .I just want to clarify I am using the same device ip address app phone address that I always have and I had to have my benefits sent to me by paper check while waiting for my personal bank to have the direct deposit set up which I have now .I have also sent in to reliacard pictures of the checks and paperwork unemployment sent me selfies of me holding paperwork and I.D . and I've sent my social security card .my medical bills my marriage license my birth certificate my unemployment papers all with the same address I've had the entire time I've been using reliacard and over and over they say the same thing give it 5business days I have asked everytime to have a supervisor and they say they schedule a call back but they never do.They refuse to transfer me to the fraud dept or supervisor or give me any number to reach them their representatives on the phone have lied to me everytime .one said she had the supervisor listening but that I couldn't talk to them and then promised my restriction would be lifted the next day by XXXX the next day their was no notes saying that I even called and was still restricted .I call back and the csr says that since my account is inactive that their no time limit to how long they can hold the funds that they can keep my funds that are trapped in the account indefinitely..after researching I find that was also a lie because after so many days of being inactive I will be charged XXXX $ day or month idk but regardless it was a flat out lie because no my account can not be inactive indefinitely .Now I feel like they are attempting to make it so frustrating for me to have my funds and I wonder how many others they have done this way? Millions of dollars they could have finagled .why have they not returned the funds back to unemployment why won't they close my account why would they let their csr lie to me I know I'm not the only one they must be aware of these issues Im only missing one benefit payment from XXXX XXXX XXXX for XXXX $ but I need this money badly If my workforce and unemployment know who I am and have me verified why can they not verify me why have they had it blocked for over a month .I 've submitted complaints to fdic XXXX the workforce and now I found y'all please help me | ||||||
| 05/14/2018 | Yes |
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| On XX/XX/XXXX I purchased one 2-month tryout subscription for my son in the Boxing Gym : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX FL, XXXX / Phone XXXX / email : XXXX /owner : XXXX XXXX XXXX ). On XX/XX/XXXX the only one payment was made for {$100.00} with a credit card issued by US Bank, ( the second month was paid with a different credit card, with no problems ). On XX/XX/XXXX while having practice at the Boxing Gym, my son suffered a XXXX XXXX injury ( XXXX in one hand and XXXX in the other ). SEE ENCLOSED DOCTOR VISIT OF XX/XX/XXXX & HIS DIAGNOSTIC. On XX/XX/XXXX I called the Gym and formally cancelled the tryout subscription. Important - Please note that : a ) My son never returned to the Gym after the day of the injury ( on XX/XX/XXXX ). b ) The cancellation was due to his double injury on XX/XX/XXXX. c ) No charges were posted in the credit card issued by US Bank ( until XX/XX/XXXX ). Two months later, the fraudulent charges began : 1. On XX/XX/XXXX the 1st fraudulent charged of {$100.00} was made by Boxing Gym : XXXX XXXX XXXX. 2. On XX/XX/XXXX the 2nd fraudulent charged of {$100.00} was made. 3. On XX/XX/XXXX the 3rd fraudulent charged of {$120.00} was made. 4. On XX/XX/XXXX the 4rd fraudulent charged of {$120.00} was made. Summary of fraudulent charges : As of today, XX/XX/XXXX a total of {$460.00} of fraudulent charges has been posted in my credit card account. Communications with the Boxing Gym owner, XXXX XXXX XXXX : Since the very 1st fraudulent charge was identified early in XX/XX/XXXX, I have spoken several times with the Gym owner, XXXX XXXX XXXX, at XXXX, and his response has been always the same : he will consult with his accountant to see if the reimbursement was possible. However, the Gym owner has never reimbursed the fraudulent charges to the credit card. In addition, in XX/XX/XXXX, my son and my wife were personally to Gym location ( at XXXX XXXX XXXX XXXX XXXX FL, XXXX ), to personally request the reimbursement, and even though the owner was not there, the employee said he will give our message to him. Communications with US Bank : Since the very 1st fraudulent charge was identified early in XX/XX/XXXX, I have spoken several times with US Bank customer service at ( XXXX ) XXXX to report the charges as fraudulent and to dispute them all 4. Please note that : a ) I have disputed all 4 charges formally ( filling and signing the Banks forms required ) ; however, only 2 have been credited back. b ) During my first call I requested to block the merchant ( XXXX XXXX XXXX ), but the Bank employee explained that this was not possible, but instead they will cancel that credit number and will issue a new one. I agreed with this process ; however my request ( the cancellation of actual credit card and re-issuance of a new credit card number ) never happened. c ) I have paid my credit card balance in full all this time ( up to Todays date XX/XX/XXXX ). In summary : a ) As of today, XX/XX/XXXX a total of {$460.00} of fraudulent charges has been posted in my credit card account. b ) US Bank has only credited back {$230.00} c ) The merchant ( XXXX XXXX XXXX ) keeps making fraudulent charges to my credit card. d ) US Bank keeps paying these fraudulent charges on my behalf. e ) I am simultaneously filing claims with the Consumer Financial Protection Bureau, XXXX XXXX XXXX ( Case # XXXX ) and the Florida Office of the Attorney General. Thank you, XXXX XXXX | ||||||
| 12/30/2019 | Yes |
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| Please check my payment history with US Bank Mortgage. I do not want this derogatory payment remark on my credit report. I sent several emails to : XXXX - Work ID : XXXX who works for US Bank. I can forward the emails that I sent in to US bank. Basically, this what happened ... I was informed by my loan officer that I would skip a payment to be able to apply that money that is normally auto debited from my checking account to my refinance closing costs. They kept pushing back the refinance for various reasons and was unable to get in contact with different managers or other people in the underwriting department. Long story short, they were changing up the closing cost fees too, and when I had my aunt ( a real estate paralegal ) look at the numbers she said my payment would only go down by about {$80.00} to {$90.00} dollars or so a month and with me paying {$5100.00} dollars in closing costs, it would take me about five years to recoup the cost in savings. Also, when I found out my credit score had tanked, that really made me not want to complete the refinance because of the fact that I did what the loan officer had directed me to do. Skip the payment. This process went on over a period of few months. The loan officer " XXXX '' XXXX XXXX even said that US Bank credit department could call him directly and he would explain why it was late. Thereafter, I was informed that they would reach out the credit bureau and have the matter fixed, but after I did not go through with the refinance they decided to keep the late payment reporting remark on my credit bureau. I received a notice in the mail that there was nothing they could do. Since all of this has happened I re-enrolled in auto-debit as I have always been enrolled. I have never had a mortgage late payment fee or reporting to the credit bureau ever until this whole process started with the refinance. Here is an email I sent to US Bank Credit Reporting ( XXXX ). Email : I am forwarding the emails as well. Thank you in advance for your help. Please get the credit department to reverse that negative late payment that has dropped my credit score substantially almost a 100 points. I was late for the payment because I thought I would be closing and that payment would be skipped. Since then I have re-enrolled in auto-debit to avoid anymore issues. I have never been late on a payment for mortgage. Please check my history. I do not want this late fee especially I do not want this derogatory late payment on my credit when I was just trying to refinance with you guys and that didn't even end up being a good deal so all of this was for nothing and caused me only more problems and an late fee. Please help me with this. This does not seem fair or right. Thank you XXXX. I have since then reached out to US Bank after I was told they requested to reverse the late payment credit request, now they are singing a new tune and I know it is because I did not go through with the refinance. Also, because I do not have the best credit score and a lot of money, they feel like they do not have to help me any further. This has caused me substantial stress and grief. Please provide me with a expeditious and fair investigation. I am not looking to gain anything for free. I only want my credit report to be restored back to the way it was without a mortgage late payment reporting on it. Thank you in advance for your prompt response and urgent assistance in this matter. | ||||||
| 11/23/2021 | Yes |
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| My daughter works for U.S.Bank she started as a XXXX XXXX then XXXX XXXX & XXXX XXXXr in XXXX XXXX AR Branch. She mortgage XXXX acres of my XXXX in her & husbands name XX/XX/XXXX with U.S.BANK NATIONAL ASSOCIATION N.D. Recorded it as an Instrument number then sent it to XXXX KY XXXX it stayed there for 10 yrs. In XX/XX/XXXX opened a Reserved line checking account in my name, then on XX/XX/XXXX Mortgaged all my property XXXX & my home in my name mortgage for XXXX said I would pay them XXXX had this mortgage sent to XXXX XXXX MN.I was born XXXX & getting XXXX monthly from S.S.I. We hired XXXX XXXX XXXX XXXX XX/XX/XXXX a lady named XXXX explained to us there suspicious activity that his debt to income wasn't enough to cover all the lines of credit, loans, checking accounts & mortgages I was receiving from U.S.BANK. They went back to XXXX everything on there including positive accounts were made by his daughter. I've been disputing this mortgage for yrs. with U.S.BANK NATIONAL ASSOCIATION ND. WE HAVE FOUND AT LEAST 8 ACCOUNTS & U.S.BANK foreclosed on my property auction date XX/XX/XXXX we we're able to stop 5 auction dates by emailing XXXXXXXX.This man shows up with a pair of bolt cutters claims U.S.BANK in XXXX MN sold him XXXX acres & the mobile home my daughter, husband & grandson lived in at the back of my property he's name is XXXX XXXX claims he's a lawyer from WI. U.S.BANK sold my property to him XXXX. I was Assaulted on XX/XX/XXXX by someone he hired to cut down trees ruin my storm cellar, this man saw my husband coming down the drive way he jumped back on the tractor & was chasing us with it so I picked up a clump of dirt & threw it at the tractor.He just run over our family 's pets cemetery that we all had over the yrs.My Dad served as a XXXX % retired from the XXXX XXXX XXXX XXXX & My Mother work all her life as a XXXX. They put this property in Homestead & it was never to be sold only to family. Police & ambulance showed up the ambulance medic 's we're trying to get my husband to go to the hospital the man on the tractor jumped off took off he's shirt & said I'll beat both of you XXXXMy husband looked at me to push me out of way because he believe he was going to hit me when he did that man pushed him as hard as he could my husband spent a lot of yrs. going to XXXX 's XXXX XXXX XXXX for XXXX on his XXXX XXXX XXXX so he could walk. They stopped at age XXXX, I had XXXX surgeries & XXXX casts, XXXX body casts.He went to the ER in XXXX AR.I had evidence of being assaulted not falling he's just starting to get up & his chest was broken the police officer said my husband was faking & told the Prosecuting Attorney he's lying to just hang up on him. Now we have people living on our property leasing with option to buy. The Sheriff 's Office said after we had made a Police Report we made on XX/XX/XXXX against his daughter for forging a Warranty Deed stating my husband had sold her XXXX acres in XXXX, we have two witnesses that will testify my husband wasn't there when that document was signed & Notarized. He only let her live there rent free she would have inherited it after he passed.The Investigator XXXX XXXX said he really didn't understand the documents we were showing him we had a file case & two brief cases he only took copies of two of the documents. He said he believed XXXX XXXX Universal Banker for U.S.Bank my husband hasn't talked to her or seen her for several yrs.Case number XXXX. | ||||||
| 01/10/2024 | Yes |
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| XX/XX/24 : I transferred ( via ACH ) {$10000.00} from my Credit Union checking account to U.S. Bank to pay off an auto loan ( XXXX ). Confirmation # XXXX XX/XX/XXXX : Transfer not reflected on U.S. Bank account web site. I contacted U.S. Bank and was told they have no record of the transfer. I provided the payment confirmation number and was told this was useless information as it can't be used to verify the transaction. I was also told to initiate a new transfer payment. I complied and made a 2nd transfer of {$10000.00} to pay off the loan. Confirmation # XXXX. I verified that the U.S. Bank account website reflected a pending transfer. XX/XX/24 : Both of the above transferred amounts were deducted from my Credit Union checking account. The U.S. Bank account web site reflected the first payment ( {$10000.00} ) was received, bringing my auto loan balance to XXXX. There was no record of the second transfer being received. The " pending '' transaction record shown the previous day was gone. I contacted U.S. Bank Customer Service again and they said they had no record of receiving this second transfer. I was told to wait and see if it shows up latter. XX/XX/24 : I contacted the U.S. Bank Fraud department hoping they could find more information. I was told that that 2nd transfer was received and that is was marked for return. I was told to expect an ACH electronic transfer of this payment back to by Credit Union Bank account within 48 hours. XX/XX/24 : No transfer yet to my Credit Union Bank. I went in to a U.S. Bank office in XXXX Ca. and asked if they would contact their ACH department and see what is happening. I spoke with XXXX XXXX XXXX ) and she was very helpful. She contacted the appropriate U.S. Bank department and was told that the ACH transfer back to by bank would be initiated seven business days after they received the over-payment per their standard process. Later that day, XXXX called me with an update. She said that they would mail be a check after the seven days rather that via a ACH electronic transfer. I asked if they could just deposit the funds in my U.S. Bank savings account because I needed the money sooner than this check-mailing process was going to take. She said she would find out if this was possible and that she would call be back the following day. XX/XX/24 ( current date ) : XXXX called me and said she was informed that the refund to me had to be by check mailed to me, and that deposit the funds in my savings account was not allowed by their standard processes. In summary, U.S. Bank had some sort of computer error that did not record the pending ACH electronic transfer that I initiated via their on-line banking system. Then after I made a second transfer per their instructions, this 2nd transfer, which showed as pending on the U.S. Bank website, then disappeared from the website. I did not receive any notifications from U.S. Bank about what was happening and their Customer service folks couldn't provide information either. The transfer confirmation numbers provided to me were worthless. Then I was provided several different responses regard when and how I would receive a refund. I expect it will end up taking 2-3 weeks before the refund check will be provided and clear my bank. This was all caused by a poor U.S. Banking system processes but I'm the one spending hours of my time to find out what's happening, and I need this refund now, not weeks from now. | ||||||
| 07/10/2020 | Yes |
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| Making one final attempt for US Bank to do the right thing before legal action is sought. They closed the account after it was reposted lost on my end long ago. They also further advised account was zeroed out and continued to bill me thereafter. Account was placed in dispute status and they enrolled in covid disaster assistance for two consecutive billing cycles XX/XX/XXXX and XX/XX/XXXX so they said however they continued to report the credit bureaus. I made a payment to pay the account in full with a live rep at the end of XX/XX/XXXX. At that time I advised I was still very much disputing but I dont want to deal with anymore because there are too many errors. I asked if it was determined I am rightfully entitled to the money would I receive money back the rep advised absolutely. I also asked that she confirm the account was being rectified since it was reporting errorneously she again advised that yes they were just severely back logged please allow up to two billing cycles. They then report me again for the month of XX/XX/XXXX. In response to documented disputes and proof submitted XXXX from the consumer team responded saying I was wrong they are right he considers my complaint null and void but ironically in the exact same correspondence states account was paid in full XX/XX/XXXX no XXXX it wasnt it actually cleared my bank account completely on XX/XX/XXXX it was paid in XX/XX/XXXX. Additionally I was not even due forXX/XX/XXXX or XX/XX/XXXXbecause the account was enrolled in a covid and I confirmed this 6 times. You are also reporting 90 days past due which would be impossible because again this was covered by disaster assistance for XX/XX/XXXX and XX/XX/XXXX and even with your logic XXXX which is not accurate XX/XX/XXXX falls 30 days prior to that point. I called today Friday XX/XX/XXXX different reps confirmed the account was notated as in dispute and notated that it was covered by covid assistance for XXXX and XX/XX/XXXX citing this should absolutely not be reporting late at all and they were escalating. I have attached proof of payment and again this was paid with your rep in XX/XX/XXXXand I dispute this to its entirety I want my money back too I have been a customer for 8 years never once have I been late ever now miraculously during all this your company position is that I am 100 percent wrong you could never make a mistake despite me getting a different story every time I call my own banking showing proof that you are wrong. You stated you will not fix and you will not remove the trade line either. This is a paid off account and I was a loyal customer for almost a decade that was never late and I am absolutely disputing this. Im sure your company can do the right thing and save continued time and effort on both parts just be adjusting correctly or removing the trade line completely I will have to get an attorney and seek to get others I am aware with the same issues involved as well if not rectified Attached you will see that this cleared through my checking account at XXXX on XX/XX/XXXX the card was completely paid in full in XX/XX/XXXX during the two months that you stated it was extended for covid Again my issue is that this is reporting 90 days past due actually scratch that it just became 120 days past due which is physically impossible considering this was paid off months ago and again I absolutely dispute e balance due the fees and the reporting FIX THIS | ||||||
| 09/11/2017 | Yes |
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| - An XX/XX/XXXX, I received a letter from US Bank closing my new US Bank XXXX card. The reason " Failure to comply with the terms of the Cardmember Agreement due to excessive or patterned purchases of cash equivalent instruments, such as gift cards, rewards cards and other pre-paid cards. '' - I purchased discounted XXXX and XXXX gift cards on XXXX XXXX in amounts of $ XXXX {$45.00} for a total of about {$800.00} over serveral months as part of their monthly promotions. This credit card gives 3X points when using XXXX XXXX, so natural for a consumer to use it for the purchase. XXXX runs a monthly promotion for up to {$500.00} face value per month on a variety of merchants. - No where is it advertised when signing up for the credit card that purchasing merchant gift cards like XXXX is prohibited. This is obviously a very UNSUAL violation. I spoke to XXXX at US Bank who sent me the letter and closed my account. He said US Bank as " zero tolerance '' for buying gift cards. The US Bank application can be reviewed here : XXXX : XXXX - US Bank says I forfeited 91,758 points by doing this, worth over {$1300.00} for travel and over {$910.00} if I simply cashed them out for statement credit/cash. I attempt to redeem online, but as expected, my redemption is blocked. - XXXX at US Bank verified that I received no warning or direct communication. He says they are in the terms which ARE NOT ONLINE nor given to you at time of application. US Bank is mailing the card member agreement to me that they claim to have sent with the credit card. - XXXX says complaints should be directed to US Bank Card Member Services Office of the President XXXX XXXX XXXX XXXX, ND XXXX XXXX can be reached at XXXX Ext XXXX - I spent about {$10000.00} on the credit card over several months. The credit card had a 50,000 point bonus which posted over a month ago. The XXXX XXXX had nothing to do with meeting the sign up bonus and XXXX did not bring that up at all. He simply said " we do n't allow the purchase of any gift cards '' and they are justified to close my account and forfeit all my points. - I have attached my recent credit card statment and am not worried about my personal information on this document. You are free to discuss with US Bank as desired. I would like my points cashed out as if used for the XXXX cents give for travel redemption, so a bit over {$1000.00}. Closing my credit card for minor gift card purchases appears to be a pretext for forfeiting consumer rewards. At this point, I do not desire my credit card to re-open, I think any consumer in this situation should be allowed to cash out their legit points earned. I also think US Bank should fully disclose and communicate effectively with consumers for their " zero tolerance '' policy for buying any merchant gift cards as this is highly unusual. In terms of legal issue, 1 ) US Bank may have not legally fully disclosed that " We do n't allow the purchase of any gift cards. '' I certainly was unaware and I ca n't beleive they do n't disclose it at time of application, even in some minute fine print. Nothing I could find anywhere and XXXX was unaware of anything as well. 2 ) The card member agreement is not available online for review to consult. At this point, XXXX at US Bank says that this provision is buried in that document, which could have been changed after my application as this is new credit card product for them. Thanks for your time. | ||||||
| 06/29/2016 | Yes |
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| US Bank XXXX XXXX Reward Visa Card - I made one {$2000.00} payment online that somehow got processed twice on a card that only has a XXXX limit. The double transaction resulted in my bank account being overdrawn by {$1200.00} by the end of the day. I called to have the 2nd payment returned to me and was told that what happened was known issue and it would be 7-10 business days before I would have my money back. I could n't wait that long to be without that much money. So I called again to see if they could speed the process for me. I spoke to a supervisor who gave me a fax number and had me fax my bank statement showing the double payment. I was told if I did that, they would return my money to me within 2 business days. After 4-5 days of not receiving anything, I called again and spoke to another supervisor ( each call ends up taking about 30 min ) who told me they never received my fax, which I definitely sent to the number provided. This supervisor looked at my account and said it was close enough to the end of the holding period, that he could simply put a note on my account and have it expedited, promising the return to arrive in my bank account within 2 days. After another 4 days, I still had not received anything. I called again and spoke to a representative who told me that my payment was set to be returned the next day. Near the close of business the next day I called my bank to see if there was a transfer pending, and still there was nothing. At that point, my faith of ever receiving my {$2000.00} back from them was about as much as my faith that calling them again would do any good. Thus, I took care of the return payment from my bank. I signed a form, and they promised it would be back by close of business the next day. I called US Bank XXXX Reward Visa one last time to stop their process of returning my payment to me. They were able to simply terminate my request of return payment in a matter of minutes. All the while, I explained to their representative my experience with them, and she was all too eager to be off the phone with me when her task of stopping the return was complete. I received a " Thank you for being a valued customer '' and she hung up before I could say another word. I was n't mean or irate with any of their staff at any time. All the while, I have had to figure out how to live for almost 2 weeks minus more than a third of my monthly income and an overdrawn bank account. I received several calls from other businesses that process payments for their services out of my bank account because they were being rejected. Although all staff was friendly and apologetic, not one of them did what they said they would do. I 'm sure anyone could understand my frustration. My 2nd complaint ( yes, there 's more ). I wanted to add an authorized user to this account a few months ago. I went to their website that directed me to a printable form with a fax number for adding a XXXX authorized user. I filled out the form and faxed it in. About 2-3 weeks later I received a letter from US Bank XXXX XXXX Reward Visa stating that they could not approve adding an authorized user on an inactive account. What?!? I have been using the account every month since I opened it more than a year ago. I do n't know if they are just terribly unorganized or negligent, but suffice it to say they will be losing my business. And all I wanted was money that was not their 's to take anyway. Unreal. | ||||||
| 11/21/2019 | Yes |
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| This complaint is against U.S. Bank Home Mortgage, whose sales offices are located at XXXX XXXX XXXX XXXX, XXXX, ID XXXX. On or about XX/XX/XXXX, my wife, XXXX, and I inquired about the possibility of obtaining a mortgage through our local US Bank branch office located at XXXX XXXX XXXX, XXXX, ID XXXX. We were interested in making an offer on a newly built home and were directed to a US Bank Home Mortgage loan officer, XXXX XXXX ( NMLS # XXXX ). Among other disclosures made to XXXX at that time was the fact that we were new to Idaho, self-employed, and had only 2 years worth of tax returns ( XXXX & XXXX ), showing limited self-employment income. He inquired about our current income and we told him that we were doing quite well so far this tax year ( XXXX ). He advised us that he could use the current years income to qualify us for a mortgage with only 5 % down on the home we were interested in. Pleasantly surprised, I then informed him more than once that we were only a small, Schedule C business, did not employ accountants, and kept track of income and expenses ourselves. He assured that was no problem and that an audited statement was not required for mortgage approval with 5 % down. He later supplied me with a US Bank P & L template and instructions that I could just fill in the blanks and return it to him with our application fee of {$390.00}. On or about XX/XX/XXXX ( and relying on XXXX representations ), we proceeded to enter into a contract on the new home. That same day and as per Bauschers instructions, we completed and submitted the P & L statement using the US Bank template that he supplied us with. Later, on XX/XX/XXXX, XXXX automatically charged our US Bank credit card for the {$390.00} application fee. After not hearing from XXXX for a few days, we became concerned about our loan and, on XX/XX/XXXX, we contacted XXXX who assured us that there were no problems, he needed nothing else, and that a commitment was imminent. He then stopped communicating with us and on XX/XX/XXXX, phoned and informed me that we would be declined unless we agreed to put up 20 %, because our P & L statement was not audited ( i.e. signed by a CPA ). He then stopped communicating with us at all. To date, we still have received nothing in writing from US Bank, not an approval or denial. Realizing that we had been lied to as part of a slamming scam by US Bank and concerned about the need to mitigate our losses immediately with less than 2 weeks to go until closing, we scrambled to procure alternative financing and contacted XXXX sales manager, XXXX XXXX ( NMLS # XXXX ). Although she confirmed for us in writing that the guidelines do not require an audited P & L statement, she informed us that there was nothing she could do and refused to refund our application fee of {$390.00}. Our losses to date can not yet be calculated with mathematical certainty, since they are still on-going. Acting through their agents, XXXX XXXX ( NMLS # XXXX ) and XXXX XXXX ( NMLS # XXXX ), US Bank is guilty of making false statements about their ability to offer a loan, fraudulently inducing the procurement of applications and fees from consumers, and otherwise engaging in bait-and-switch scams designed to pressure borrowers into less favorable mortgage products in an effort to boost their profits. We demand that this matter be fully investigated and that our application fee be refunded without any further delays. | ||||||
| 01/28/2024 | Yes |
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| In XXXXXXXX XXXX I was contacted by a company named XXXX to XXXX my membership for XXXX Services XXXX I did not want to renew. Then I am told I had a {$120.00} credit which I disputed. After much discussion I agreed to accept the credit and was told to go to my computer to enter refund to my bank account. At this point they had complete control of my computer. Rather than enter {$120.00} they entered {$12000.00}. I told them I needed an account # to return these monies via electronic transfer. I was told they do not have this capability which I questioned. After XXXX XXXX of constant phone calls I agreed to return the money via their method. Directed to go to XXXX 's to locate a bit coin machine which I am not familiar with ( XXXX XXXX I visited ). Found a machine at a service station across from my US Bank, Made XXXX transactions in amounts of {$4800.00} & {$4900.00} with my debit card ending in XXXX. Fast XXXX : Later US Bank denied my claim in a XXXX sentence memo because I had given them my account number. They already had access to my accounts on line. They did not ask for an explanation from me. Whereas I immediately went to my US Bank and closed both my accounts and opened new ones. In fact I was told to let this run through before doing anything further. In the meantime the bank employee when setting up new accounts verified that they did not enter {$12000.00} into my account. In fact they merely transferred the {$12000.00} from another account I had. They did this without my giving them any account numbers.. I assumed that was the conclusion and I had been had. Then I received notice that my payment of {$170.00} was due on a US Bank Visa Credit Card ending in XXXX. I was not aware I even had this card as it was never used before this transaction. My next mistake was paying the entire amount on this card from my XXXX account. Why? Because I did not want to incur additional interest on an account I did not know how long it would take to pay this account off. Nor I did not want to affect my XXXX XXXX which it took years to build up Very Good XXXX XXXX. Although my account statement shows these XXXX transactions of {$4800.00} & {$4900.00} show as being charged to my bank account but this is not what happened.. The account was closed and no monies available so someone transferred these amounts to a credit card I did not know I even had without my approval. I use only XXXX credit card and this was not the card I had been using at that time. After this year of going from the Credit Card Acct to the Bank for answers nothing has been accomplished other than each saying the other is responsible. Always someone will get back to me and nothing I would think that a charge that came through with this amount needed to be approved. And I was not notified of this transaction and would not have approved this. I get calls from the bank XXXX credit card company for amounts that are so much less and I either approve or deny the questioned amounts. Why did I not receive a call questioning this transaction? I have been with US Bank when they were XXXX XXXX, XXXX XXXX now US Bank with no major issues. The memo also said in review of my transaction in my accounts. I never withdraw large amounts other than XXXX XXXX, XXXX XXXX XXXX XXXX transactions that are legally due. XXXX : I have any document that would be necessary to file with this claim BUT I do not know how to accomplish this. . | ||||||
| 11/14/2022 | Yes |
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| On XX/XX/XXXX, I received a call from my bank or someone spoofing the number of my bank. They called me 2 times before I answered. On this call the person claimed that someone had made a large XXXX transaction from both my checking and savings account, and in order to fix the problem I would need to resend a XXXX to have it marked at XXXX. I completed this and in the end they took {$2500.00} combined from my savings and checking accounts. I immediately called the US BANK fraud line to report the issue as it felt off to me. They asked no follow up questions and notified me it would take about 10 business days to conclude the investigation. At this point I had a total of {$30.00} to my name in both my checking and savings accounts. US BANK told me if it took longer than 10 business days, they would provide a credit to my account to help with outstanding bills. This never happened. Luckily I had family who could help me in this situation as I had a renovation payment due that day. On XX/XX/XXXX - my XXXX and XXXX accounts had suspicious logins I called back to US BANK on XX/XX/XXXX and throughout the coming weeks for updates. No updates were given and when asked about the credit to my account they said that was not going to happen and if it did, do not use the money as they can revoke it at any time and put me into overdraft. On XX/XX/XXXX, I was notified that a new Bank XXXX XXXX card was opened in my name. I called Bank XXXX XXXX to close this out and notify them of fraud, and froze both my credit reports. On XX/XX/XXXX, I received 2 letters from US BANK notifying me that the claim had been denied citing " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' They told me to call the XXXX XXXX banking line to ask for the documentation used in the investigation. On XX/XX/XXXX, I called and requested that documentation as well as went into a US BANK branch to discuss the situation. I was told by XXXX at US BANK that there was nothing more they could do unless I provided more documentation. He did not specify what type of documentation or provide really any guidance at all. Following this in-person conversation, I called the fraud line at US Bank again to get some more guidance. She told me that these cases with XXXX rarely get approved due to it showing " the transaction posted as requested. '' From this call, it was clear there was nothing else I could do to get my money back. On XX/XX/XXXX, I was notified yet another credit card was fraudulently opened in my name. I called XXXX to report the fraud and close out the account. On XX/XX/XXXX, I was sending a XXXX payment and there was a pop-up on my screen prior to sending notifying me that " Keep your Money Safe, be sure this isn't a fraud. US BANK will never ask you to send money to anyone, including yourself. Scammers might ask you : Send more money to finalize payment, Share a login verification code, or Upgrade an account to receive money '' I had never seen this notice prior to me bringing this fraud to US BANK 's attention. They have been promoting XXXX on their app for as long as it has been in services ( 2017 ) On XX/XX/XXXX, I received a letter confirming the credit cards open fraudulently in my name had been closed and the credit companies had been notified to take it off my account. **Please do not share attachments in your published article. ** | ||||||
| 09/02/2021 | Yes |
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| On XX/XX/2021 ; I filed a despite with US Bank, regarding an unauthorized transaction for {$370.00} via XXXX. I noticed this transaction when I looked at my transaction statement. On XX/XX/2021 I called US Bank 2 times pertaining to the unauthorized transaction. I called at XXXX XXXX & XXXX XXXX. On XX/XX/2021 ; I called US Bank to inquire about my dispute claim. I called at XXXX XXXX on XX/XX/XXXX. On XX/XX/2021 ; I called US Bank at XXXX XXXX to inquire about my dispute. On XX/XX/2021 ; I called US Bank at XXXX XXXX, XXXX XXXX, & XXXX XXXX to inquire about my dispute of the unauthorized transaction for {$370.00}. On XX/XX/2021 ; I called US Bank at XXXX XXXX, again to require about my dispute. Updates were made to dispute on XX/XX/XXXX as well. I also asked why I hadn't received my provisional credit. I was told that if the dispute wasn't resolved in 10 business days from the date that I filed it ; that I would receive provisional credit. On XX/XX/2021 at XXXX XXXX ; I called US Bank again and asked why I haven't received my {$370.00} provisional credit. I was told that the fraud department wasn't finished with their investigation and that I should call back another time. This was after the 10 day period had long passed. I was suspicious of US Bank 's ethics in handling this matter. On XX/XX/2021 at XXXX XXXX ; I called US Bank again to express concerns about my dispute and why I still haven't received provisional credit. I also inquired about my online banking, and was told to call back another time. The customer service representative told me that there was a " lock '' or " hold '' placed on my account which is why I couldn't log-in to my online banking. This was after I had already updated my phone number in an attempt to fix the log-in issue. I even updated my address too. On XX/XX/2021 at XXXX XXXX & XXXX XXXX ; I called US Bank with the same concerns about why I hadn't received my provisional credit, a MONTH after I filed my dispute. They gave me the same answer as before and told me to call back another time. I also inquired about my online banking and they didn't provide any helpful assistance. They also again claimed there was some sort of " lock '' on my account that would need to resolved by " another department who's unavailable at this time. '' I'm very suspicious about US Banks ethics and motivations in this matter. They have consistently continued their passive-aggressive and evasive tactics. This is after numerous calls to US Bank expressing concerns about the way my account and dispute of the unauthorized {$370.00} are being handled. In the past, I have filed complaints against US Bank with the XXXX XXXX XXXX. They respond to my complaints in what appeared to be retaliatory action for the complaints. They closed my dispute as a result, claiming " NCH '' rules without providing any evidence or further information. They appear to be very sensitive to customers calling them out for their tactics. They are very petty and passive -agressive. They should not be allowed to do this. Their behavior is shady, unethical, petty, dishonest, and passive-aggressive. If US Bank does not resolve my online banking log-in issue, or provide me with my {$370.00} credit, or if they engage in what appears to be retaliatory action as a result of this complaint, or continue their evasive tactics ; I will file additional complaints against them or sue them in court. | ||||||
| 06/07/2023 | Yes |
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| Yes. I filed a complaint against the same Bank with you years ago. But for some reason the company only responded too one complaint about the auto loan. I went through arbitration with this Bank where the arbitration company said sense it was like a small case. I couldn't get a Attorney to help. But according to a Law firm they were hired by the Bank. But according to several Managers, Supervisors, Tellers, XXXX and District Managers. The firm wasn't one of the Banks Firms, and they were never told are made aware of the case. But I have and sent the Arbitrary proof, in the form in Bank Statements, Bank receipts, transactions and anything else too show I had more than one checking, a auto loan, and something the Bank called secondary Checking account. But on everything I received from the branches they had it listed as XXXX/SIDE CHECKING. But according to several employees what they were are CHECKING/Savings accounts, branches opened without the customers permission are knowledge. Where the branches had too make quotes in order to stay open. And in fact the Bank opened about 4 different credit cards, 2 CHECKING, and 3 or 4 SAVINGS ACCOUNTS from my account under different names. But they had to use my social security number because how else would they have the accounts and cards coming too my house. Me putting cash in the accounts and they paying items until I sent your business the first complaint. Not only are these items on my credit reports, the Attorney firm who claimed the accounts were not the Banks at first until I sent the evidence. Where they then told the hearing Judge after looking into it the accounts were the Banks accounts but under different customers profiles. Which is strange because according to the State Treasure Office of California. One of the accounts are mine but they want release the funds. And the others or linked to three other social security numbers that the state and several insurance companies had opened up under my name and information in order too catch Dr 's and Attorneys committing medical frauds. But I was never supposed too be made aware of this illegals act by the state and the insurance companies, and different counties. According too investigations the state turned over a large sum of money that was supposed to go too me. But the state placed three fake social security numbers in the system, too funnel the money back too the state. But when they became I wasn't dead, and had legal documents that shows the illegal acts. They Black listed me, and blamed the Social security administration. Which the social security administration became involved because the checks had too have a social security number and a bank too accept the checks. Which also involved the credit reporting agencies. Which one said they had in their system different birthday days, addresses and social security numbers but under my name and social security number. The other two credit reporting agencies have been deleting items before I even see what has been deleted. And the reporting agency that claimed they had the different social security numbers, addresses, and birthdays. Hasn't sent the hard credit report. And it's been over 20 days. And they keep saying they looking into it. Social security administration say they a federal government agency. But want send the case too the FBI, who supposed too look into investigations for social security administration. Maybe you can help. | ||||||
| 05/26/2017 | Yes |
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| During the whole mortgage application process, it was very difficult to get finished up and get to the closing date. The day of our closing was XXXX XXXX , 2017. We arrived at the XXXX XXXX XXXX XXXX ( XXXX ) and found that we had more paperwork, from US B ank, that needed to be completed before closing. This resulted in the seller leaving the office, upset, leaving us, the buyers, uncertain if he was going to pull the offer off the table - which he threatened a few times before because of ( almost ) five months of getting to a closing date. Four hours after the closing paperwork was finished, we got a phone call from the XXXX US Bank office. It was from XXXX XXXX ( XXXX ), asking if we were supposed to close on our house today. After answering that we already did, he responded with, " well, maybe. '' This response instilled panic and he insinuated that if we did n't do as requested, our house closing would n't technically be closed. The request he made was, to get a cashier 's check from my wife 's account, XXXX XXXX , to the Title Company 's name and XXXX XXXX as the remitter. We immediately called the title company to see if we could stop the initial cashier 's check from being deposited. This could n't be done since the cashier 's check was already at the bank. The XXXX XXXX XXXX XXXX m entioned that the money was already wired to the seller and the title was already changed to, XXXX XXXX 's, name. She mentioned this could be a scare tactic that US Bank was using to get the documents that they failed to request prior to closing. The next day we get a phone call from, XXXX XXXX ( XXXX ) requesting we get a mock cashier 's check ( mentioned above ) since the title company already cashed our real cashier 's check. XXXX XXXX , informed her that we were willing to do this if this was the last piece of information they needed. We went to the XXXX XXXX XXXX XXXX to speak with our personal banker, XXXX XXXX ( who has been through this whole process with us ) ( XXXX ), requesting a mock cashier 's check for XXXX . When we received the cashier 's check we were informed to scan it, along with another gift letter. Once that was done we were able to re-deposit it in our account. We ( my wife an d I ) got this done in a timely manner, within the hour. Once that event was done, we thought it was all completed. The same day, after we left the XXXX XXXX XXXX XXXX , XXXX called XXXX and left a voicemail requesting our ( both my wife & I 's ) account statements. She mentioned on the voicemail that she had permission to call on our behalf - this statement was wrong, we had never given XXXX permission to do this and I feel like it was a breach of confidentiality. XXXX did not get back to her or give her the information requested. Since this incident, we have not heard from US Bank or XXXX . The experience with, US Bank, was awful except for our local mortgage representative, XXXX XXXX XXXX XXXX XXXX who dedicated many hours so that our house dream was achieved. He was a pleasure to work with and was out of town the day of and the day after closing. Both the XXXX XXXX XXXX XXXX & XXXX XXXX suggested we file a complaint with the CFPB 's for the after closing treatment from the US Bank Mortgage Representatives, which we endured. Thank you, XXXX XXXX XXXX | ||||||
| 04/03/2016 | Yes |
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| On XXXX XXXX, XXXX I sent a " Qualified Written Request '' to US Bank Mortgage requesting my loan origination documents. The request specified my loan application, right to cancel, deed of trust, balloon mortgage, mortgage note, truth in lending, good faith estimate, appraisal ( including comparable properties used to arrive at value for loan and all required disclosures. ) I also requested these documents be legible and all original documents copied in their entirety. Plus a copy of the payment history of the loan including all payments made, all fees incurred and how payments were applied for the life of the loan. The information that XXXX mortgage sent and the response letter is attached to this complaint. They stated they sent my RESPA, truth in lending settlement, pay history, and notice of right to cancel. They state I would need a subpoena to receive the other documents due to confidentiality issues. The balloon rider they sent is not mine. ( see attachment ). It 's a client living in XXXX, OH. Also they sent a copy of my XXXX mortgage which has been paid off since XXXX XXXX. They did not send a copy of my current mortgage, deed in trust, appraisal and the truth in lending disclosure was not in its entirety. They sent XXXX copies of page XXXX. ( doc is attached XXXX XXXX 15 year balloon mortgage was closed on XXXX XXXX, XXXX for $ XXXXXXXX7.34 % interest and finance charge of {$100000.00}. My payments are {$700.00} and the original due date was the first of every month beginning XXXX XXXX, XXXX with a 15 day grace period. The payment history that I received shows XXXX payments were applied to interest only from the beginning of the loan until XXXX/XXXX/XXXX. ( see attachment ) Also the principal amount paid throughout the loan is inconsistent with some months only {$29.00} or less being applied to principal with a full payment within the grace period. I requested help with my mortgage in XXXX after a on the job injury and I was told that my loan was not a mortgage it was a signature loan. US Bank told me I did n't qualify for any help since it was n't a mortgage. If you look at the payment history from the beginning of my loan they were treating as a simple interest loan. They were miss applying my payments. I did request a due date change and it was granted. Now my mortgage is due the XXXX of the month. Also on the payment history that I attached it shows they moved my loan to the mortgage department XXXX/XXXX/XXXX and gave it a mortgage account number. I never signed for a signature loan I have mortgage documents. I am questioning the principal balance of my mortgage. There are several payments I made specifying the extra monies to go to " principal only '' on the payment coupon and they were not applied. I feel XXXX Mortgages accounting is not correct plus they do not have my original documents. They are so worried about customer confidentiality but they send me someone else 's balloon note. I am trying to get a loan modification but with the principal balance in question it can not be done until forensic accounting looks over my loan payments. I have attached all documents to prove my payments and XXXX XXXX response. How can they apply XXXX payments to interest only plus be inconsistent through the entire loan at applying principal payments. You can see through the history something is incorrect. They way they are applying payments I will never get my house paid off. | ||||||
| 02/28/2021 | Yes |
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Web | Older American |
| U.S. Bancorp XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Chairman, President and CEO XXXX XXXX After being a customer for 25+ years, and good service. I am alarmed at the lack of due diligence in resolving this major issue I am almost XXXX yrs old, but do know what I should expect. After 70 days, receiving messages that we are working to resolve. What I concluded nothing more was done on this item, everything I sent was sent back with no additional information or proof. This shipment was an issue within 20 minutes of receiving an email from the carrier it was delivered. There was no package at my door, I called and asked that the carrier have the truck return, my request was refused. This was XXXX XXXX, was advised I would need to call back Friday. I worked with the seller for almost 2 weeks. The seller finally requested I close the charge back, and he would locate another piece to send to me. That was refused, he was to send me copies of what he had by email, nothing was ever received. I subsequently filed the dispute. forwarded all the communication and proof, my primary request was to for the POD. I requested a copy of the signed POD and have never received it. I have repeated this since the XXXX of XXXX. It appears no one insured this package? The supervisor ( fraud USBank ) I spoke with was rude, and said they would call back. I requested a number so I would recognize it as I do not answer calls I don't know " well you need to answer the phone '' was her response. I want to know what specific information was received that showed proof of receipt.. I was told as long as the XXXX box was checked that I had electronically signed for it that was proof. She also stated they were not handwriting experts. Which eludes to a signature, that no one can get! Please send me the Proof of delivery with my electronic signature this is the only valid proof. To date that has not been obtained as there is no signature. I received a GPS screen shot sent to me as additional proof the driver was here. ( Copy sent to Bank ) That was also incorrect it shows him on a completely different street than where my apartment, this was also stated to XXXX appears he was in the complex next to mine. I am XXXX yrs old that was special present, within minutes it was gone. The Bank is expecting me to pay for an item that was not received, no POD is available the idea of a check box being proof is insanity. **Legal definition of POD > Proof of delivery means a copy of a signature, or other evidence from the recipient in confirmation of receipt, obtained on delivery of a postal packet ; Proof of delivery ( POD ) is to establish the fact that a recipient received contents sent by a sender. .In the United States XXXX XXXX XXXX XXXX and XXXX XXXX well as the US postal service ( USPS ) provide proof of delivery. Please have your legal department review this dispute, and provide the POD requested from day 1. I would hope the CEO & any officers would expect the same if they were being asked to pay for an item that was not received. Respectfully XXXX Received 4 notices >bank we are working to resolve your dispute, then this email. At no time did anyone reach out to ask for any additional information. Anyone can check a box, I have never had a financial institute use this method of proof. Based on the decision should not have sat or delayed the banks response for 70 days. Preventing me from acting sooner | ||||||
| 11/09/2015 | Yes |
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| I have been off and on medical leave from my job since my diagnosis XXXX ( XXXX ) in XXXX XXXX. My physicians and I have been trying to get it under control with medication. I was out on medical leave last year and then again this year & got seriously behind on my mortgage. I have been consistently in discussion with a " Relationship Manager '' at my mortgage holder ( US Bank ) about bringing my account current or applying for relief in the form of 1 ) having late fees and some unpaid mortgage payments modified to the end of the loan 2 ) term extension of loan and keep it in Hamp program with low interest. I have been told over and over by this Relationship Mgr that US Bank would work with me and to fill out request for mortgage assistance form and send in required paperwork. I have filled out the forms, included a letter of explanation of my circumstances and attached the required information ( forms of income, copies of bills, statements of assets, statements of income/expenses, banking statements, etc ). I have done this formally at the very least XXXX times this year. Each time I am told something is " missing '' or " invalid '' or that they want something additional. I keep re-sending information to US Bank and receiving confirmation and detailed listings of what I submitted then US Bank will state they never received it. This has happened on my formal applications dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and last one in XXXX XXXX. The last one, the Relationship Mgr kept telling me not to worry, that US Bank wants to help me keep my house, et. etc. The whole year, they would not accept 'partial payments ' which is what they were calling my not being able to pay total delinquency up front. They would not take one or two months ' payments. In XXXX, I told them I had almost {$4000.00} saved up I could give this to them to cover 6 months payments and the balance I would pay off by making regular {$710.00} mo. mortgage payment + additional {$500.00} per month until paid in full to current status within 6 months. The Relationship Mgr said that could work. I was still awaiting word back from my XXXX appeal application process for mortgage assistance. Then in XXXX, I get letter dated XXXX/XXXX/XXXX ( I received this after I had already re-sent in all paperwork because they said again they had not received certain items. I called and told them this XXXX/XXXX/XXXX letter was a duplicate that I had already received it and re-sent all items. I was told again they did n't receive it. ( I always send all attachments to XXXX email addresses at US Bank and received confirmation each time of receipt. ). Around XXXX XXXX, I received XXXX letters the same day, all the same : Notice of Foreclosure Sale ( sale date XXXX/XXXX/XXXX ). I have been in discussion with US Bank all through XXXX and XXXX thus far, and keep being told again and again they do not receive my paperwork and to re-send. I feel I am being stalled on purpose, that US Bank is not trying to work with me at all. My mortgage is hopelessly underwater ( owe over {$200000.00} ), but it is my home and I want to stay! Can you help me at all? As an aside, back in XXXX, when I was laid off, I had to go through my Rep Congressman XXXX ( XXXX ) to get US Bank to listen to me when asking for help. They are either wholly understaffed and overwhelmed or incompetent to assist the homeowners they are her to service. Please help. | ||||||
| 12/07/2017 | Yes |
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| Starting on XX/XX/XXXX US bank changed their mortgage payment processing hierarchy with no notice to me. Their new policy was to apply any payments received before the due date to principal only mortgage payments. And only apply payments if they are received on or after the first of the month. Had it not been for my own careful monitoring of my accounts, this change would have made my mortgage payments late and cost me approximately {$180.00} in related fees by now. I have issue with because section 4 of the Mortgage note clearly dictates that principal only payments can not be made unless I submit prior written notification instructing them to do so. I have not done so and have requested multiple times in writing to specifically honor the terms of the mortgage note and not apply any payments to principal only prepayment without my authorization. I contacted them by phone in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was assured that it would be fixed and payment hierarchy would return to the former hierarchy that was in compliance with the mortgage note. When after the third time they failed to follow through on their promises made over the phone. I started making written complaints. I 've notified them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In every reply, they have so far complied with reversing and correctly applying the payments. But never once have they responded to any points of the complaint. They continue to ignore the issues I 've brought up in every single correspondence. Points being : 1 ) The policy change makes it so payments can only be applied on or after the due date. Which means any payment delayed by bank or postal mail will always be late. 2 ) Their change in policy without notification would have resulted in a almost monthly accrual of late charges had I not been vigilant in my own accounts. 3 ) Their change in policy will not allow my mortgage payments to be applied as I wish which the previous hierarchy gives the three fold benefits of ( a ) giving the mortgage a payment cushion that would protect me in the event of a future financial hardship, ( b ) Pays off the mortgage faster then the 30 amortization resulting in less interest paid over the life of the loan, and ( c ) make delinquency and late charges much less likely. 4 ) While instead under their new policy : ( a ) it gives no safety net in the event of a future financial hardship, ( b ) virtually guarantees future late fees and increased cost of interest over the life of loan, and ( c ) makes a future severe delinquency highly likely. 5 ) Their new policy is in violation of section 4 of the mortgage note which requires advanced written notification before any payment can be applied as principal only. They have never once addressed any of these points. Their only response is to say they have corrected the misapplied payments as a courtesy and repeat their new policy. Their constant ignoring of the core fundamental complaints shows their complete lack of care or interest in the consumers or their customers. It is very clear that the only real purpose of this change is because analysis shows that over the life of a loan they will earn more in both fees and interest paid. From their most recent response it is quite clear that they have no interest in ever correcting this issue and returning to the payment hierarchy that is in my best interests. | ||||||
| 10/04/2023 | Yes |
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Web | Older American |
| I was going through financial hardship bc of a job loss and family death early this year. In XX/XX/2023, I contacted my Mortgage company, Union Bank, who holds my mortgage or my primary residence, and told them my situation, they offered me a Forbearance for 6 months with an option to extend another 3 months if needed. The loan was later sold to US Bank who promised to uphold the same terms. In XX/XX/2023, 2 months before the forbearance was to end, I contacted US Bank who was now the new servicing company, to ask for an extension, they said I would have to wait until the end of XXXX when the forbearance was scheduled to end to apply for either an extension or a payment reduction or a deferment. The process would take about 30 days and then I could be informed of my options. After applying on-line, I called the US Bank in XXXX and spoke with several representative including Relationship Manager, XXXX ( last names are not given ) ID XXXX XXXXXXXX - Credit Manager, XXXX XXXX XXXXXXXX, to make sure I was taking all the correct steps in applying under the right format, making sure my account was not being hurt. At all times during my 10 -15 calls ( all calls are recorded and can be retrieved ) to the bank speaking to different representatives and getting guidance on what to do next, I was re-assured that while my account was under review for an extension or other options by the US Bank underwriters which took over 45 days not 30, my Credit Report was protected by the California Forbearance clause. But it was NOT - they bank MIS-REPORTED my account late 120-159 days late. They not only mis-represented the facts, MIS-INFORMED - MIS-LEAD - MIS-GUIDED me, they poor consumer going through hardship, during the entire process telling me I had no option but to wait for the UW team to come back with a decision . Based on California Forbearance Protectiosn Laws, this is a grave MIS-REPORTING of facts, I was NOT 160 days late. I was in Forbearance. On XX/XX/2023 when I again called US Bank, the XXXX XXXX XXXX, specifically re-assured that I was right and they would make a request to remove the late reporting on my credit while awaiting the decision by US bank underwriters. On XX/XX/2023, US Bank UW team made a decision but I was not informed until XX/XX/203 via mail. They only offered to put my primary home up for a short-sale. There was nothing e.mailed or sent via the mortgage portal. - there is still nothing on the portal or any inbox mail or updates. So in reality, up until XX/XX/2023, when US Bank finally made a decision, I was left in a limbo with no clear guidance on how to proceed forward. And according to the US Bank Managerial team, my account should have been on hold and protected by the Forbearance clause and NOT reported late. My credit score has dropped from XXXX to XXXX. I was going to apply for a personal loan to bring my account forward and save my home but now they have damaged me in such a grave manner that I feel completely helpless- I desperately need your agency to help protect me and other against this type of tyrannical misuse of power towards normal citizens who are going through hardship and are doing everything to get back on their feel - and correct this mistake on my credit reporting. This MIS-REPORTING to credit bureaus and Mis-leading by leading Banking Institution of pertinent information to consumers is wrong and should not be tolerated. | ||||||
| 04/09/2022 | Yes |
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Web | Older American |
| I have, for various reasons, been in a position where I needed to overdraft my checking account. This has usually resulted from the use of multiple ATM cash withdrawals in amounts ranging from anywhere between {$40.00} - {$300.00}. US Bank has consistently allowed me to overdraft a total sum of more than {$1500.00} before my direct deposit retirement checks arrive to bring my account back into a positive balance. US Bank has consistently provided this overdraft protection of more than {$1500.00} for ATM withdrawals and debit card transactions and collected {$39.00} overdraft fees for each ATM or debit card transaction that results in, or adds to, an overdraft. On XX/XX/2022, I wrote a check fo pay my rent that would have resulted in an overdraft well below the {$1500.00} limit that appeared to have been established for my account, but US Bank returned the check unpaid. This action is likely to result in the loss of my home and other legal entanglements. I questioned the bank about their actions and was told that there was a different policy regarding overdrafts from paper checks as opposed to overdrafts caused by ATM withdrawals and debit card transactions even though all of these transactions are linked to a single checking account. I asked the bank to provide clear statements of company policy regarding these distinctions but they could not point to any written policy/procedure statement that a typical customer could rely upon to comprehend what seems to be a capricious and unreasonable distinction between the handling of overdraft protection based on transaction method ( check, ATM, ACH, etc ). Indeed, the main difference among these various methods for withdrawing funds seems to be strictly related to the amount of fee income the bank is able to generate from an unsuspecting customer. I have paid out hundreds, if not thousands, of dollars in overdraft fees to US Bank on ATM and ACH transactions. The bank seemed to have no problem with me paying $ XXXX in overdraft fees for multiple items but suddenly balks at providing overdraft protection when the financial instrument is a single check? It appears that the bank is intentionally trying to maximize its fee income by incentivizing multiple transactions of a certain type that result in overdrafts and. at the same time, maintaining the position that these overdraft protections only apply when using an ATM or debit card but not when the consumer opts to write a check. I doubt if most consumers have been told, and even fewer may understand, the banks rationalefor this distinction. The whole setup seems very reminiscent of the process XXXX XXXX XXXX utilized several years ago to decide the order in which checks were processed. XXXX XXXX XXXX was accused in a class action lawsuit of trying to maximize fee income by paying out large checks first so they could collect more overdraft fee income from a group of smaller check amounts that would be paid as overdrafts. I was one of the primary class action litigants in that case against XXXX which eventually settled by paying out millions in restitution to its customers for its bad actions. US Bank needs to establish a clear, concise, and user friendly policy and procedure for its application of overdraft protection, and should, as many other national banks have already done, reduce the large fees and the number of fees that their bank can collect from the average consumer. | ||||||
| 05/08/2018 | Yes |
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| On XX/XX/XXXX, I made calls to multiple banks requesting quotes to lower the interest rate on our US Bank boat loan # ... ... ... ... XXXX paying {$1200.00} monthly at a rate of 8.49 % since XX/XX/XXXX. XXXX XXXX ( XXXX ) from US Bank offered us the best quote of 5.21 % if we made a {$40000.00} payment that we were offering to make, along with opening a savings account with their bank. We agreed over the phone and passed by other bank offers that were very close to US Banks offer. He immediately requested the wired payment of {$40000.00} from our personal bank, XXXX XXXX in XXXX, WI and applied it directly to our current loan. We also opened the savings account at this time. He told us that the monthly payment would now be {$710.00}. The confirmation for this transaction was XXXX. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX. stating that US Bank was now unable to offer the credit terms that we had agreed upon. They now wanted to charge us an interest rate of $ 5.95 %. Clearly we were upset that they did not hold up their end of our bargain so we immediately called our local US Bank branch and spoke with XXXX XXXX at XXXX. He told us at this point that it's never necessarily that rate when they give quotes over the phone. Some of the reasons they decided to charge us more was because it was a used boat and that when they quoted us, we didn't have an account with them. At this point, he agreed to take off .25 % because we had opened the savings account as requested. As far as the used boat, we stated that they knew it was a used boat because they had the initial loan from when we bought it as a used boat. Also, none of this was discussed in our initial phone conversation. He said that he would see what he could do and then on XX/XX/XXXX, we received another letter stating that now they wanted a marine survey. I personally delivered them our marine survey from XX/XX/XXXX. A few days later he called me and said that this marine survey was too old and now I needed to invest $ XXXX {$800.00} for an updated marine survey and that the survey would have to be done once the boat was in the water. At this point, it's still winter in Wisconsin and not possible. We said again, " this was not the condition on what we agreed to '', but if the bank wanted to get a survey, they were welcome to get one and cover that cost. They refused. Even more frustrated, we now looked for someone in the support area of US Bank that could help us and eventually spoke with XXXX XXXX ( XXXX ). We asked her to listen to the recording of the initial conversation and agreement that was made. She called back after she listened to the recorded conversation and confirmed that he never spoke of contingencies with the agreed upon new note. She said that she would look more into this and try to help. After a few separate conversations over a span of a month, she then said there really was nothing she could do. So here we are, three months later with our {$40000.00} gone and still paying 8.49 %. Please, this can't be acceptable. We would appreciate you looking into this. We would like to have them honor the agreement that was made and recorded. This was their mistake, which they agreed it was, and they should honor it - retroactive to the date they took our {$40000.00}. We've attached support documents to this claim. Thank you for any guidance and resolution to this matter. XXXX and XXXX XXXX | ||||||
| 07/01/2021 | Yes |
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| Today : XX/XX/XXXX An international Wire Transfer ( WT ) for {$9500.00} was effected by me on XX/XX/XXXX XXXX XXXX at the XXXX, CA branch of US Bank. It was handled by Mr. XXXX XXXX under guidance of Mr. XXXX XXXX who introduced himself as the Branch Manager. The wire transfer process entailed my input into appx. 4 screens on a small desktop digital device. Each screen had legal verbiage that I had to agree with. At the end of the process I asked for hard copies of content of digital screens I signed for. XXXX said that US Bank can not print content of screens I was presented with. Then I asked him to send me a digital version by email. He said that is not possible either. In my presence he telephoned his superiors and they confirmed what he told me. I asked for a receipt. He wanted me to wait for 15 minutes until time their back office has reviewed the WT. A one page receipt was issued which showed the $ amount of the WT. It did not contain any of the legal provisions I signed for. I told the branch Manager that it is incorrect not to give me copies of what I signed for, and to refer the matter to higher authorities at US Bank. He agreed to communicate with them by email. Upon returning home the same day I figured that there are laws and regulations that require Banks to furnish copies of what their clients sign on. I sent an email the following day to Mr. XXXX XXXX stating my legal entitlement for copies and to furnish those within 10 days. He did not respond. To this date I do not know what I signed for. A situation has developed pertaining to this WT where it is necessary for me to make a dispute, but I can not do so without a proper understanding of what I signed for. I called the US Bank XXXX branch about a month ago and wanted to speak with XXXX XXXX XXXX about this WT. A lady spoke to me and said XXXX was busy and took my name and phone number and said she will have XXXX call me when he is free. He never called me. I want the U. S. Bank to furnish me with copies of everything I signed on for this WT. Prior to the WT already discussed, on XX/XX/XXXX also a WT ( local ) was effected for me by the US Bank, for {$50000.00}, Ref. XXXX. On that, the XXXX branch did not have WT staff present that day and I was advised to go to their XXXX, California branch of the bank. The WT was entered on US Banks customary digital screen at that branch. When asked for copies of what appeared on the digital screens, they declined. They even refused to issue a paper receipt. After committing myself to charge my A/c {$50000.00} I was asked to go home without any proof in writing. I informed my concerns to the Manager of that branch and asked her to correct the situation. Given so much notice, if the US Bank has not corrected the situation, it is a clear demonstration of their blatant disregard for laws and regulations. I would like your organization to use whatever means available to it to rectify the situation ; if a penalty is appropriate please proceed. In addition to failure to furnish content of digital screens, the US Bank requires an email address and a cell phone number ( for 2 factor authentication ) from the sender of the WT. I have these, but all people do not. I am not sure if existing laws and regulations permit Banks to 'mandate ' an email address and a cell phone number as pre-conditions to sending a WT. You might want to review these and act as appropriate. End. | ||||||
| 08/10/2020 | Yes |
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| Hello, I have written the letter below and mailed to the Disputes department at Elan Financial Services. I have tried to resolve this matter with them over the phone, but they insisted the only path was sending physical mail to their disputes department. I have concern that because I can not speak with them, and there is no formal guidance on the matter of customers impacted by COVID-19, that they will not handle my dispute properly. I am therefore opening this CFPB complaint concurrently with my mailing my dispute to Elan Financial Services in the hopes that the matter will be handled appropriately given my circumstances. Letter to Elan Dispute Department : Date : XX/XX/2020 Concerning Account Number : XXXX XXXX XXXX XXXX Dear Elan, I am writing to dispute the credit bureau reporting on my credit card account XXXX XXXX XXXX XXXX. I opened this card account a few years ago with my ex-partner, XXXX XXXX, and applied jointly with him in order to help build his credit. Although I am noted on the card as a liable account owner, the card was solely used by my ex-partner, so he therefore managed the payments on the card. During the COVID-19 pandemic, he allowed the card to go delinquent. I became sick with COVID-19 and was hospitalized for several weeks while the card was in its delinquent status. I have attached a note from the doctor that cared for me during my stay. Because I was hospitalized, XXXX acted without my knowledge and chose to settle the account in the month of XX/XX/2020 for less than the full balance due. This resulted in a charge-off status appearing on my credit bureau for the unpaid portion of the balance. Prior to the pandemic, I had an XXXX+ credit score, and it has now dropped to around XXXX. I have less than 10 % credit utilization on about {$25000.00} in open credit line. I have never missed credit card or mortgage payment until this pandemic while I was hospitalized. I unfortunately found out about the XXXX card settlement as I was preparing to apply for a mortgage to purchase a new home so I can put my daughter into a better school district. As I said, I do not use this card, but I understand that technically I am liable for the debt. I also understand that the credit card debt is settled in full, but I am still enclosing a check payment for the remaining balance. In return, I am asking that Elan consider the unique circumstances I have faced due to my XXXX XXXX and XXXX. I would like Elan to reverse the charge-off status and settlement status on the card account, so that my credit bureau does not show that this account charged off and settled. Im hoping that you will understand the situation, and clear this negative reporting that is now appearing on my credit bureau report. Although I hope Elan can resolve this for me, time is of the essence for me. I therefore will be filing a Dispute on the account with all three major credit bureaus. I will also be filing a complain with the CFPB to ensure that the response to this situation is appropriate given the unique circumstances of the COVID-19 pandemic. I am not sure that all financial institutions will handle their response to this pandemic the same, so to avoid confusion I want to notify the creditor, credit bureaus, and consumer financial protection bureau to ensure this situation is handled correctly. Thank you, and please contact me at XXXX with any questions. Best regards, XXXX XXXX | ||||||
| 09/30/2021 | Yes |
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| I disputed a charge of {$290.00} from XXXX that occured XX/XX/21 with Cardmember Service at US Bank, as XXXX falsely advertised a last-minute bargain plane ticket through XXXX XXXX that I purchased around XXXX XXXX on Saturday XX/XX/21. A few hours later when it was time to check in through XXXX XXXX, the flight was at full capacity and I could not select a seat, as it was an overbooked flight. Travel insurance was purchased for an additional {$20.00} in addition to the {$270.00} cost of the flight. This was a one-way flight from XXXX, AZ to XXXX, MO scheduled for Sunday XX/XX/21. After I was unable to check in and select a seat, I reported to XXXX on their customer service support chat on XX/XX/21 the issue to XXXX, the agent at XXXX. This was in the afternoon of XX/XX/21 prior to the scheduled departure of this flight on XX/XX/21. The XXXX protection that was sold to me was noted in an email XXXX sent me immediately following the purchasing of the ticket at around XXXX XXXX providing me a policy from XXXX which advertises the ticket as protected at 100 % refundable if cancelled prior to departure. I told the agent at XXXX I could not take the flight due to overbooking and the agent ignored this and said I could cancel with no refund from XXXX but after cancelling could get the refund through XXXX, which I had the policy with already for and the agent even provided me with the phone number and contact info for AIG, which was the travel protection, and the company had already changed names since purchase. I agreed under those conditions as I anticipated the full refund from what the chat agent told me, and cancelled with the agent at XXXX XXXX on XX/XX/21, even though XXXX should have immediately refunded me for this overbooking but instead put an unusable travel credit voucher on my account I had no way of using. After chatting with XXXX Customer Service on Saturday XX/XX/21, I filed a claim with AIG XXXX of their website, as I called their offices, and they were closed on the weekends. The third-party coverage was not XXXX XXXX , it was AIG I filed the claim with, and was then passed off to a company called XXXX to make the decision on the claim, which this company had different conditions and guidelines. I filed the claim with XXXX but I was denied the claim, as there were different terms I did not agree to with XXXX or AIG that excluded cancellations for the reasons that were covered under the Travel Guard Policy I received from XXXX when purchasing the coverage. XXXX falsely advertised services I could not use and could not recover the funds promised to me I would be able to recover. They denied me using the travel credit, which is not as good as a refund anyway. I then filed a chargeback with my bank US Bank and Carmember Service as this was made on a debit card. I immediately sent relevant documents to US Bank Cardemember Service confirmed as received sent XX/XX/21. Third months later, Carmember Service on XX/XX/21 debited my checking acount without notifying me, overdrafting the account and causing many issues I was given no notice about. They dateda later XX/XX/21 stating they would take adverse action on the debit accout on XX/XX/21. I noticed the withdrawal and caused many problems and received their letter in the mail XX/XX/21 after thet adversely reversed the charges without good cause stating the ticket was " non-refundable '' which is unacceptable. | ||||||
| 06/07/2021 | Yes |
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| On XX/XX/2021, we found the company " XXXX XXXX '' on XXXX. This company claims to make armor and props from various movies, and in our case, we were interested in the XXXX armor from XXXX XXXX. The company 's owner - XXXX XXXX XXXX XXXX. - pushed us off of XXXX and over to their XXXX page where Mr. XXXX-XXXX said we could finish the transaction there. Upon calling Mr. XXXX-XXXX and speaking with him for almost an hour over the phone, we were convinced his company was the one we wanted to use for a birthday gift for our XXXX-year-old son. XXXX had said during the call that he would make our son 's birthday extra special and would ship the armor in under 2 weeks. My husband and I were excited because our son has really struggled this past year - as many people have - and the armor was all he asked for. Mr. XXXX-XXXX then wrapped up the conversation by asking for payment. We asked if we could send it through XXXX, but Mr. XXXX-XXXX was adamant that we paid through XXXX or XXXX. My husband and I WERE NOT AWARE that XXXX was extremely unsafe to use. It is also devastating to find out that the U.S. Bank does business with a company like XXXX that offers zero protection for their customers ' money. Obviously, scammers like Mr. XXXX-XXXX already knew how easy XXXX was to use to defraud people. Our {$330.00} sent to " XXXX XXXX '' on XX/XX/2021, is gone as Mr. XXXX-XXXX has ceased all communication with us. We never received the armor or a refund from Mr. XXXX-XXXX. The worst part is that XXXX XXXX XXXX XXXX. is sitting in Maryland continuing to scam people. We also discovered that XXXX XXXX XXXX XXXX. has a long RAP sheet in the state of Maryland. We spoke to the Maryland police department in the city of XXXX, Maryland. The officer there told us they could not help us. He said scammers like Mr. XXXX-XXXX get away with this kind of crime because no entity is out there to prosecute people like him. When we let XXXX know that we had been scammed by Mr. XXXX-XXXX, the representative at XXXX told us we could not get our money back from them, and to ask our bank for the funds. We notified the U.S. Bank of our situation and spoke to a manager of two local U.S. Banks near us. The manager let us know that we could file a fraud case, but that we would likely never see our money again. She spoke very condescendingly and told us that XXXX is not a service to purchase products but to use ONLY with people who you absolutely know. The manager asked me, " Don't you think the man who paid for XXXX XXXX tickets through XXXX wanted his tickets? We didn't pay his fraud claim either. '' We also spoke with a man that works at the executive level of the U.S. Bank in Minnesota. He understood how serious our concerns are, but said that any changes to U.S. Bank would take a long time to implement. Our suggestion was that U.S. Bank 's website has a large warning window pop up BEFORE sending any payment through XXXX. It should say something such as - 'this money you are sending is completely unprotected and will not be reimbursed if this person is attempting to fraud or scam you. ' This needs to happen as soon as possible as scammers know XXXX is a way to fraud trusting people like myself. I was told by Mr. XXXX-XXXX that XXXX was a safe way to pay him. He lied to fraud me, but at what cost? How many other people has this already happened to, and how many more people will be scammed if nothing is done? | ||||||
| 12/21/2022 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2022 I submitted my application for mortgage assistance to the Illinois XXXX Assistance XXXX ( " XXXX '' ) ( # XXXX ). At the time of that application I was 2 months behind on my mortgage payments due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also activated the forebearance protection plan offered by my lender, U.S. Bank Home Mortgage ( passim ) during this period. The XXXX staff sent U.S. Bank Home Mortgage a request regarding the statuse of my mortgage loan ( assuming to verify that I was 2 months behind when I filed my application for that assistance ). U.S. Bank Home Mortgage responded to that inquiry by the XXXX staff which stated that I was current on my mortgage payments. As a direct cause and consequence of that response by U.S. Bank Home Mortgage, the XXXX program denied my application for that assistance. I repeatedly called U.S. Bank Home Mortgage and asked them to correct that error of being current on my mortgage payments, but they repeatedly refused to do so. During that application process, I was able to make XXXX of those overdue payments, which still left me XXXX payment overdue ( to date ). See attachments. On XX/XX/2022 I submitted my second application for mortgage assistance to the XXXX program ( # XXXX ). That application is currently pending and, U.S. Bank has responded to a similar inquiry by the XXXX program. I do not know what the U.S. Bank Home Mortgage staff response was to that inquiry. I am still XXXX ( XXXX ) mortgage payment behind to date, and am trying to bring that current. However, my deteriorating health is severely restricting my ability to do so. Additionally, U.S. Bank Home Mortgage keeps threatening me with foreclosure, via multiple letters, emails and phonecalls. See attachments. On XX/XX/2022, I made my regular mothly mortgage payment at my local branch ( # XXXX ). That payment, as well as my XX/XX/2022 payment, included a portion of an escrow shortage of {$78.00} ( which I presume was due to an increase in property insurance or property taxes ), as well as my regular monthly payment. I was nitified of this escrow shortage via an undated letter from U.S. Bank Home Mortgage, instructing me to increase my monthly payment from {$430.00} to {$410.00} beginning on XX/XX/2022. I actually, started this payment increase early on XX/XX/2022 because I had the funds to do so. However, XXXX XXXX through teller at this local branch applied my XX/XX/2022 payment to an escrow account, instead of my loan payment. I subsequently received a phonecall from a U.S. Bank Home Mortgage staff member telling me I am in default on my loan and subject to foreclosure, stating I was 2 months behind and, demanded full payment. That phonecall became heated to XXXX XXXX that I had to hangup. I went to my local branch and asked to speak with a Home Mortgage staff member on Friday ( XX/XX/2022 ), and was told that there was no one there to speak to because they work from home on Friday. I came home and started calling the U.S. Bank Home Mortgage Customer Service number. I kept getting connected to an Customer Service agent who I could not understand because they spoke XXXX XXXXXXXX. I finally reached a Customer Service agent who I could understand and this misapplication of my XX/XX/2022 payment to that escrow account was corrected and applied to my loan. However, the threatening default and foreclosure notifications keep coming to date. | ||||||
| 10/04/2021 | Yes |
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| I was scammed on XXXX. I was sold counterfeit fake XXXX XXXX XXXX. The jewelry store-seller was not authorized to deal in XXXX XXXX XXXX . The moment I received the fake earrings it was apparent they were counterfeit. The seller refused to initiate a return. XXXX gave me a hard time and so I turned to my credit card company Peoples United Bank Mastercard. I was a Peoples United Bank business and personal account holder for over thirty years depositing over XXXX XXXX XXXX in assets into an account and had no prior reports of fraud in thirty years. The fraud department at Peoples United Mastercard ( owned by XXXX ) put me through hoops and I complied with all their requests. When XXXX reversed my provisional credit with the misrepresentation that they did not receive my application or sufficient documentation ( which I enclose with proof of their receipt ), I contacted the Office of the President of Peoples United Bank. As a thirty year customer of the Bank, with business and personal accounts and deposits of assets over half a XXXX, I inquired as to whether they valued their customer relationships and would advocate on my behalf with XXXX. Instead their minions kicked the can back to XXXX. First, Peoples United does not just fail abysmally at relationship management or backing their loyal customers when the time comes to do so, Peoples United Bank and XXXX have aided and abetted XXXX and its counterfeit sellers to perpetrate fraud. Secondly, the fraud specialists at XXXX knew or should know that it is an impossibility to obtain a fraud appraisal from a jeweler because insurance liability prohibits such appraisals. Third, it is a felony to aid and abet counterfeit goods via interstate commerce so XXXX can not and should not lawfully ask a buyer to transport the fake merchandise back to the seller so they can perpetrate the fraud again. I am personally disgusted by Peoples United Bank 's failure to advocate when it is so clear that I was scammed and defrauded the money. I am professionally appalled and disgusted that Peoples United and XXXX are not held accountable for aiding and abetting fraud instead of having policy in place to protect its customers from fraud and scamming. At the very least, my money should have been refunded. The documentation I provided is more than ample proof of fraud. To state otherwise is as deceptive as XXXX XXXX practices and its crooked criminal felony sellers. If ever a case of XXXX XXXX XXXX, the pictures of the fraud beside the genuine earrings is compelling and clear. I am not the first to report XXXX and surely its time for the federal government to enact stricter disincentives and put laws in place to crack down on XXXX fraud. Peoples United and XXXX are as dirty as XXXX in failing neglecting and refusing to protect their customers. I am enclosing HALF of the documentation as your system prohibits greater than 10 mb and my file is 16mb. The second file is intregal to my case as it shows the proof that XXXX received my application and documentation, shows photos of the FAKE earrings alongside the REAL ones I own, shows the address of the seller hidden behind a FAKE address, numerous correspondence emails with XXXX XXXX corporate regarding the fake earrings, etc. and a copy of my credit card and credit card statement showing the reversed provisional credit. PLEASE REPLY TO ALLOW ME TO SUBMIT THE REST OF THE DOCUMENTATION!!!!! | ||||||
| 01/11/2021 | Yes |
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| 1 ) XXXX XXXX, Client Relationship Consultant, XXXX, CA emailed XXXX, XXXX branch manager to say the {$200.00} promo information coming from XXXX, XXXX branch was all wrong-I need to stop talking with her. Even after XXXX set up online statement the branch was still charging fees for that-which XXXX never told me that is what is needed. Also there were 2 consecutive direct deposits although XXXX failed to mention that criteria as well. That is why XXXX said I should not talk with XXXX because all her information was non-existent. When XXXX reopened account to steal my govt XX/XX/XXXX check he did not allow me online access. 2 ) I Reported XXXX {$150.00} on XX/XX/XXXX by phone and 3 ) got letter XX/XX/XXXX BEFORE 60 DAYS PASSED, see attached US Bank letter-4 ) Thats Why Received Letter XX/XX/XXXX BEFORE 60 Days & 5 ) its not even on statement. Also below is CFPB complaint which includes $ XXXX-there are many because never handled. Please credit {$150.00} that was taken out of my XX/XX/XXXXPayment. Please advise. The formating is off because writing in CFPB text. XXXX XXXX All complaints XXXXPrint complaint On XX/XX/XXXX at XXXX XXXX I spoke with XXXX at US Bank at put through fraud, and Did Supv wanted me to go through each 1 again. On phone you can not see more than 1 entry bc bank has advertisements so i put through when saw. Credit was supposed to be jn 10 days also they owe me {$200.00} for opening account with direct deposit : XXXX XX/XX/XXXX XXXX XXXX XXXX Ca {$79.00} XX/XX/XXXX Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX Ca {$340.00} XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX SHOULD BE {$170.00} CREDIT XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX - XXXX XXXX XXXX XXXX Ca {$110.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX {$85.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca {$79.00} XX/XX/XXXX Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX Ca {$340.00} XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX Ca {$170.00} SHOULD BE {$170.00} CREDIT XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX - XXXX XXXX XXXX XXXX Ca {$110.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX Wa {$85.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX Ca PAID CASH SAID CARD DID NOT WORK {$310.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX. XXXX Ca {$150.00} Dia Show quoted text XXXX XXXX XXXX XXXX XXXX Ca PAID CASH SAID CARD DID NOT WORK {$310.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX. XXXX Ca {$150.00} 4 ) I dont have all of the statements-I request all statements since account was closed and reopened. I dont see {$310.00} credit. I dont see {$150.00} credit referred above. I dont see {$56.00} credit. XXXX XXXX XXXX XXXX Ca {$110.00} XXXX XXXX XXXX Ca {$59.00} XXXX {$85.00} XXXX XXXX XXXX {$79.00} Please credit me {$850.00} I STILL DONT KNOW IF ACCOUNT IS CLOSED. I WENT INTO XXXX, CA BRANCH AND THE BRANCH MANAGER, LONG, CALLED POLICE ON ME FOR REQUESTING AN ACCOUNT CLOSED LETTER THAT WE SPOKE ABOUT DAY BEFORE. | ||||||
| 05/05/2021 | Yes |
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| On XX/XX/2021, I attempted to use my XXXX XXXX XXXX to purchase a gift card but the transaction did not go through initially. Shortly thereafter, I was contacted by the Fraud Department at Elan Financial. Not only did a supervisor from their Fraud Department not inform me that this was not permitted, but after I spoke to her to verify my identity, she remained on the line to ensure the transaction went through successfully. About a week later I used the card with no issues but a few days after that I attempted to use my card for gas and it was declined. Thinking it was the card reader at the pump, I stopped at another gas station and yet again, the card was declined. This prompted me to call them but because it was late in the evening, all I was told was that the card was closed and I was given a number to call for more information. When I got hold of an agent from what I believed to be their " Verifications Department '' I'm told that I'm not allowed to purchase gift cards with their card. How is it that I spoke to two representatives and a supervisor from the Fraud Department regarding the purchase of a gift card and not one single person says anything along the lines of " You can not purchase gift cards with your card? '' While I appreciate how nice they were trying to resolve the issue, the idea that Elan Financial expects customers to know ( borderline memorize XXXX their cardholder agreements when their own staff doesn't even know it is mind boggling. To add salt to injury when I got the letter they sent, it read as follows : " We have reviewed your account and have reason to believe that you have fallen victim to a credit card scam. We have made several attempts to contact you by phone regarding this account but have been unsuccessful. For your own protection and due to the recent activity on the account, the account has been closed to any further activity effective immediately ... '' I was livid. Not only did they not inform me that the account would be closed if I made the purchase, but they also stayed on the line with me to confirm the purchase went through. Not only did they lie about making " several attempts '' to contact me but they also lied about thinking I was a victim of credit card scam considering I had verified all my account information with reps and the supervisor who confirmed. Not to mention, if this was in fact a fraud case, wouldn't the proper action be to issue the cardholder a new account number? Despite requesting then reading through the cardholder agreement for information regarding closure of accounts due to gift card purchases, which was nowhere to be found, and even despite owning a XXXX and losing access to a card that rewarded me for the essential services/repairs I needed, I was willing to walk away. Even knowing that I would also be losing over {$200.00} in rewards points, I was willing to let it go and move on. However, I am not willing to watch my credit score negatively impacted, which I have been working so hard to rebuild. Before this incident my credit score was steadily increasing but now it has dipped significantly because of Elan Financials inability to be open and transparent on policies and their improper training of their employees on their own policies. If only one single person I spoke with advised me of this outcome, I could have used another card or cash, and I wouldnt be in this injurious predicament. | ||||||
| 11/07/2020 | Yes |
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| A formal complaint against U.S. Bank Reliacard and Bancorp division I have received such horrible services over the phone usage to file a dispute with this company and for the length of time it have taken me to submitted documentation and faxes to dispute a XXXX XXXX unauthorized transaction in the amount of {$11.00} and {$61.00}, ATM {$400.00} my card was lost and stolen with my purse but apparently U.S.Bank and employees after opening the claim had denied the claim then I had to resubmit the accepted then later claim was reopened then they gave me the run around there was two more transaction that had occurred for a deposit XXXX refund at XXXX XXXX XXXX but the provisional credit was granted on XXXX XXXX then later the disputed department had pretended they couldn't see my TDL or find the XXXX XXXX transaction seriously {$11.00} and {$61.00} ATM XXXX unauthorized transaction as of today they had me resend the information to there fax the lies that XXXX team in fraud department was behind had over a XXXX charge back customers and couldn't get me at all and XXXX XXXX when they official said the provisional credit was approved they had me to wait another 10 days then Uplined team had requested me to verified my address which had never changed since then and mobile to face and upload Texas Driver license like-wised how they sat there may me wait for three transaction in the Disputed department have failure to process the claim in a timely fashioned and U.S. Bank is using Relicard as a third party disgruntled employees who lied on customers is ridiculousness to put the account in a limbo status as the Disputed team claim to had escalated the transaction but as of today still give me the run around after a whole month and now saying there nothing they can do and is not a guaranteed a provisional credit will be granted at all at this time and the staff is inconsiderate and have no compassionate to respecting a loyalty customer. I'm requesting these transaction that being disputed to be credit to the account they must honored the provisional that was qualified since XX/XX/XXXX thru XXXX XXXX this is most worst experiencing to have to called numerous of time to get them to do their duties correctly instead was a discrimination issues and poor communication including lack of knowledge they had no one to via email or called to process the provisional credit a wasted of time to have so many people answered the phone at U.S. Bank Relicard but nothing was working. just replicated of inconsiderate employee who don't know how to do their jobs at all and need to be retrained and very unprofessional. Resolve the issues is to honored the the provisional credit that was supposed had occurred on XX/XX/2020 thus should been credit back to my account over a month ago instead there now telling it not a guaranteed and are liar a breach if contract and ethic violation. U/S. Bank need to have a superior to check on Relicard department I was told because there was a re fax document on the XX/XX/2020 then I have to wait another 10 day why the corruption if a customer send a fax on the 10 day they have start all over again a Hypocrisy Tier 2 pretend she was a supervisor and then told me to wait until the investigation is over is unacceptable and nothing she can do or anyone else in the Disputed team. Fix the issue immediately this has exceeded the 10 day window FDIC guideline violation. | ||||||
| 04/06/2018 | Yes |
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| Read a Secure Message Date : XX/XX/XXXX Message # : XXXX Subject : Can't get through to dispute department ... Message : I have also opened a dispute with XXXX and will be filing a complaint with the Consumer Finance Protection Bureau since you can't handle this. XXXX On XX/XX/XXXX at XXXX XXXX the following message was sent : Sherre H, According to XXXX XXXX is the previous email : " You can dispute the transaction ( s ) in question by responding to this email ''. I did that and now XXXX needs to do his work that he promised. Please pass this issue to a supervisor! Apparently you aren't qualified to handle this issue. XXXX On XX/XX/XXXX at XXXX XXXX Cardmember Service wrote : Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX via our website about your XXXX account ending in XXXX. For assistance with unauthorized activity on your account, you will need to contact our Fraud department directly at XXXX. A representative will be happy to assist. We have credited your account for the Late Payment Fee of {$27.00}. You will see this credit on your next billing statement, as well as online within the next two business days. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX. Cardmember Service Advisor On XX/XX/XXXX at XXXX XXXX the following message was sent : XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$5.00} XX/XX/XXXX XX/XX/XXXX LATE FEE - PAYMENT DUE ON XX/XX/XXXX {$27.00} XX/XX/XXXX XX/XX/XXXX OPC CONV FEE NM CRS XXXX AL {$6.00} XX/XX/XXXX XX/XX/XXXX NM DEPT OF REV CRS XXXX NM {$270.00} I am disputing all of those charges. I have never lived in New Mexico and have not visited there since XX/XX/XXXX. I've googled the company and it is the New Mexico Taxation and Revenue Department. I have never had business or any dealings with them. My account must have been compromised. I would like the late fee and interest charges dropped for this fraudulent transaction as well. Please report to the credit bureaus that this account is in good standing and has made payments 100 % of the time. Thanks, XXXX XXXX On XX/XX/XXXX at XXXX XXXX Cardmember Service wrote : Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX via our website about your XXXX account ending in XXXX. Since you have contacted us via email, our reply will also be via email. You can dispute the transaction ( s ) in question by responding to this email, calling us at XXXX, faxing the information to XXXX, or mailing your request to the following address : Cardmember Service XXXX. XXXX XXXX XXXX, ND XXXX If you choose to process your dispute via email, fax, or mail, please include the merchant name, the dollar amount of the transaction, and the date the transaction occurred, along with a statement of why you are disputing the transaction or that you do not recognize the charge. If you do not recognize the merchant, and believe that your account has been compromised, please contact our Fraud Department at XXXX for immediate assistance. Please contact us again if we can be of further assistance. Sincerely, XXXX XXXX Cardmember Service Advisor On XX/XX/XXXX at XXXX XXXX the following message was sent : I am trying to get through to the fraud/dispute department, but I was waiting on hold close to 10 minutes. Please have someone from the fraud department call me at XXXX. I can't spend all day at work waiting on hold. Thanks, XXXX XXXX DELETE MESSAGESAVE MESSAGEREPLY | ||||||
| 10/08/2021 | Yes |
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| On XX/XX/XXXX I deposited $ XXXX using a US Bank ATM in XXXX, CA. The check was drawn from my own personal account with XXXX. I received a letter from US Bank on XX/XX/XXXX, notifying me of a hold placed on my deposit. The reason given was : " ... we have information that leads us to believe that the check may not be paid. '' The letter directed me to contact their 24hr service center for more information. Upon calling ( XXXX ), I spoke with a young man who cited Regulation CC and claimed the bank 's right to place a hold on any large check. He would not address my question as to the basis of their suspicion. I ended the call so I could read about Reg CC on the Fed Reserve website. Upon discovering the bank was obligated to disclose the reason for their belief my check might be uncollectable I called back to speak with a different young man who claimed their suspicion was their reason. As I pressed further, he claimed there was no additional information and I would need to contact my local branch. I pointed out the letter from US Bank directed me to the 24hr service line for additional information which contradicted his claim that they had no additional information. On XX/XX/XXXX, I contacted my local branch in XXXX and spoke with thr branch manager, XXXX. She claimed US Bank received notification directly from XXXX that my account was " flagged '' on their side and that I should contact them to resolve. When I explained I was not aware of any hold/restriction and the check had cleared Citi on XX/XX/30, she said they would remove the hold if I could present proof at any local US Bank branch . After confirming with XXXX no such restriction or flagging of my account existed nor was there a note of relaying such information to USB, I went back to the USB office across from my office, in XXXX. A teller in that branch directed me back to my home branch even as I explained the manager there told me I could go into any branch location. She offered to call XXXX but she was out to lunch. When I asked about the reason for the basis of their belief my deposit would not clear, she claimed it was due to the amount. I reminded her the notice from USB did not state an issue with the amount and that if true, according to Reg CC, they would have released part of funds according to a set schedule. Also the letter indicated they had reason to believe the check would not clear. The teller then proceeded to argue, their suspicion would constitute a reasonable basis for their suspicion. I was unable to discern whether she really believed what she was saying or if USB employees were simply trained to defend any/all actions of the Bank. To be clear, I have no way of knowing whether or not USB had a reasonable basis for restricting access to my funds. I would submit however, they failed to meet he Federal Reserve requirement of including the reason for their belief the check might be uncollectable, in the notice sent to me. I would also argue the reason provided by the branch manager was mere speculation, misrepresented as fact. My complaint extends further to the inadequacy of training provided to employees of the Bank as I was repeatedly given erroneous information. Had they provided the necessary information within the notice as required by Reg CC, not only would I have had the correct information but USB employees would have been better able to provide correct guidance. | ||||||
| 05/23/2022 | Yes |
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| I am submitting my complaint against US Bank regarding my mortgage account. I was originally with XXXX XXXX when I purchased my home. The last payment before my mortgage account was sold to US Bank was XX/XX/2021. My first payment due with US Bank was for XX/XX/2021. US Bank has not been reporting my total balance due, since they obtained my account. The amount that shows on my credit report as a high amount doesnt even match the amount when they got my account, according to the statements that I have received. They continue to report that a payment is received, however the total amount due never changes. Even the historical amounts on my credit report is incorrect. I submitted a dispute through XXXX XXXX with XXXX in early XXXX, and was informed that US Bank reported back that the information was correct. I submitted a dispute with XXXX ( their website ) towards the end of XXXX and the results show that the information on my credit report is INCORRECT and they will be getting not only what I submitted the dispute for, but other information was getting updated as well, since it was WRONG. That dispute was done after the first dispute with XXXX through XXXX XXXX. I submitted disputes with XXXX and XXXX in XXXX after getting my XXXX results with updates needed, and they both ( XXXX & XXXX ) came back with same results, creditor reports that the information is correct ( smh ). With my XXXX dispute, US Bank went as far as adding and reporting back incorrect balances/data to be updated on my credit report. US Bank basically took my monthly payments and added them to my existing current balance for each month, back to XX/XX/2021, to justify the existing balance shown ( so XXXX and unprofessional ). This was flat out a blatant lie and I have the proof within attached documents. My original loan wasn't even that much when I bought my home. If they can lie this easy I dont want them as my mortgage company and wonder who else is being XXXX XXXX by them. How can the information be correct, if XXXX was just informed 2-3 weeks prior to, that the information is incorrect? This is very unfair to me as a consumer, due to the fact that creditors see a high debt to income ratio that is incorrect. I dont even want to apply for a loan because the total debt amount shown on my credit report is incorrect. It makes me laugh that my payment being made is reported but the balance isn't, how XXXX, that should be an automatic process that happens. I am very XXXX because I have been going through this too long and it continues to be a negative impact against me, not US Bank. Every other business on my credit report, reports payment and new balance as expected and gets my highest praise, US Bank is the only one that doesnt change and name won't touch my tongue. This needs to change, and US Bank needs to be penalized and investigated, in my opinion. It is unacceptable and if they cant handle the job of accepting and reporting like all other businesses, they shouldnt provide the service. I cant believe Im having to do this for something that has such a big impact on me and costs so much money that I pay for on time, every time and can be the determination between yes and no when I apply for a loan. This is some straight up XXXX and needs to be known!!! Over {$10000.00} has been paid on this loan but yet it doesnt reflect not one penny paid on my credit report.IT NEEDS TO, ASAP. | ||||||
| 10/31/2022 | Yes |
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| I called USBank Reliacard Visa customer service ( XXXX ) on XX/XX/XXXX to cancel the card, and was told that I would receive a notice of cancellation within two to three weeks. At almost a month, I have received no letter, and have repeatedly called the customer service number to check on the status of my request. Every rep identifies themselves as customer service, but after I give my card number, I am told that the rep I am talking to at the moment is not trained to handle my card business, then they tell me that they're happy to give me the customer service number, which is the same number I had just called. And so I call again, and the same thing happens- they will talk me until they receive the credit card number, then they tell me this exact same thing as above. And I call again, and again and again I get the same thing. I have tried other days and times, and they are able to access my account, so I know they can see the information, but once they get and enter my credit card number, they tell me they 'are not trained to handle this particular card '. But they will not tell me what is says there, even though obviously they have the ability to look at my account. All I want to know is if it shows that my cancellation request has gone through. Being that when I first dial the customer service #, and I am told by the automated answering system that there is a card associated with my number, and then I'm told the balance remaining ( {$4.00} ), obviously this card is still active 28 days after my cancellation request. And tomorrow on XX/XX/XXXX, I will be charged the monthly fee again ( {$2.00} ). I am convinced that they are shutting me out, so that there is no way I can cancel this card until I go below XXXX and I either have to pay more into the online site to avoid penalty, or I don't put any more money into it and they can charge me a penalty. I truly believe they are shutting me out, and when they pull up the credit card number, they see a message in their system to absolutely not discuss anything with this customer, and it shows them what to say to deflect me and give me the runaround, and this message they are seeing, to not deal with me, so that I can't cancel, will stay there until the card expires in XXXX, before which I will be charged penalites for going below XXXX in the account, because I refuse to put more money in this account to pay a monthly fee on a card I have every right to have canceled before the next payment date. The money in account would run out after the XXXX {$2.00} fee. As they will not help me, so I can't cancel, I can't do anything now about the fee being charged tomorrow XX/XX/XXXX. I decided to try one more time before filing complaint with you, and called the customer service # again, and asked first before giving the credit card number if the rep was able to service/handle the USBank Reliacard Visa XXXX XXXX and rep said to give them the credit card number, and they'll check to see what the customer service number is that I should call, and of course they gave me the same number again, which I had just called. Again. I told them I was filing a formal complaint, but was merely offered the number to call that I have been calling for days. I am sending a formal cancellation request by certified mail to XXXX XXXX XXXX, to their XXXX address ( XXXX XXXX XXXX, XXXX, FL XXXX ), including this letter to your bureau. | ||||||
| 09/14/2021 | Yes |
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| Okay please help I have honestly given up after contacting every person I could possibly ask for help regarding my issue. After literal months of every day calling nonstop like a full time job I did not recieve any of my money, but I learned, what I believe, to be the worst thing you can do to someone. Give them, " the Run Around ''! I filled out popped r reports, disputes with banks and even contacted the XXXX, FTC, ombudsman, and even the attorney General. Nothing. A flicker of hope tho when I found your number. Now I had an ATM, owned by U.S bank, eat my deposit. Now I am a member with U.S bank, but this was about 2 weeks before I signed up. I was making a cash deposit to my XXXX XXXX XXXX account. Now XXXX XXXX was no help at all. I actually did them a favor by letting them know that they need to update their terms of service because after calling nonstop by the 3rd week they updated the rules and added my exact issue in their rule book, so that solves my problem on their end. I broke the rules, so they can't help me. That should be illegal. Anyway, this ATM is on XXXX XXXX and XXXX XXXX inside an XXXX XXXX. Now, to my detriment, 2 days after this incident the U.S bank branch at this location closed, so all that's left is the ATM. XXXX XXXX would not help me, in fact all these businesses treated me like I was trying to steal from them and made me feel like a drug addict. I actually got very XXXX because this was ALL my money and at the same time I was jumped and robbed for another XXXX a few days before. Sorry I'm just trying to set the scene and this is my last attempt, so I might as well give it my all, right? Moving on, even having a receipt didn't help me. A physical receipt I showed all of them, but nobody helped me. Now, due to time, it has worn away and it's practically useless. I have pictures of the receipt and I also heard there is technology that can bring back worn away receipt paper. XX/XX/20 was the date this happened. Now I tried for months everyday to solve thos, but they all just kept giving g the run around and I started getting the feeling all they were doing was trying to make time pass, so they could either update their terms of service, or wait for expiration dates to pass. XXXX was the time it happend and the ATM serial number is XXXX. The amount of the cash deposit was XXXX. Now I'm not completely positive. But I am positive it was over XXXX. Please help me you don't understand the sheer amount of stress and pain this has caused me. For one I've lost all faith in banks and never thought a bank, or better group of banks would steal from their customer. I can send you the pictures of the receipts, or what's left of them, but please I'm begging you to not let me fall through the cracks and help me get some sort of justice for this. I've never been so ashamed and made a fool of by these banks having to deal with them and just be brushed off as a common XXXX XXXX trying to get some free money... I know I shouldn't, but I have a feeling of hope with this one. Please take this one personally please. Thank you and have a nice day. Also, if you get my money back I will give you XXXX of it. Now please don't think of this as a bribe. If it's against the rules for me to offer and you have to throw my case out then please disregard this last part and just ignore it. Please know where I'm coming from. Thank you and have an awesome day. | ||||||
| 08/04/2023 | Yes |
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| Subject : Urgent Resolution Needed for Unresolved Account Closure and Missing Funds To Whom It May Concern, I am writing to express my deep concern and frustration regarding the closure of my US Bank account on XX/XX/2022. At the time of closure, my savings account held a balance of {$23000.00}. I must bring to your attention that the account closure was a result of fraudulent deposits that were unfortunately directed into my account without my knowledge or consent. I became a victim of a scam, wherein I believed I had secured legitimate employment that ultimately proved to be a fraudulent scheme. The fraudulent activity involved the receipt of wire transfers totaling {$3600.00} and {$4700.00} on XX/XX/XXXX. Subsequently, I was instructed to withdraw these funds in cash, convert them into XXXX through an ATM, and then transfer a portion of the converted amount to a XXXX wallet. The remaining funds were designated as my commission. I have only received in return a check in the value of approximately {$2000.00} from US Bank for my checkings account, in which the fraudulent deposits were wired. But I did not receive anything from my savings account in which the fraudulent deposits were not wired into. So it makes no sense to me that my savings be withheld. Regrettably, despite these deposits, my account 's legitimate savings balance of {$13.00}, XXXX was not returned to me. This was my ending balance on XX/XX/2022 when the account was closed. Note : the fraudulent wires were never sent to my savings account they were sent to my checkings, and I already received a check of approximately {$2000.00} for my balance for my checkings account but never received anything from my savings. I have made diligent efforts to address this issue, approaching the bank on multiple occasions to seek a resolution. Regrettably, my attempts have been met with resistance, particularly from the regional manager named XXXX, who oversees the fraud department. Despite my presentation of concrete evidence and a detailed record of all transactions, the regional manager has declined to engage with the matter, dismissing my requests for a thorough review. Furthermore, when I inquired about escalation to a higher authority, XXXX declined to facilitate the connection and stated that the relevant personnel were unavailable due to the holiday season. Subsequent attempts to contact XXXX and the bank have gone unanswered, leaving me in an incredibly distressing situation. As a result of these circumstances, I find myself grappling with severe financial hardships. The unavailability of my rightful funds has led to an inability to meet essential expenses and obligations, detrimentally impacting both my work and livelihood. The discrepancy between the deposits I received and the legitimate balance of my account before the incident remains unresolved. I wish to emphasize that I possess substantial evidence that substantiates the authenticity of my complaint. I am prepared to provide all necessary documentation to support my case and I implore your prompt intervention to rectify this matter. My request is simple : I seek the return of the funds that were present in my account prior to the incident involving the fraudulent deposits. I can be reached at XXXX or via email at XXXX. Your timely response and decisive action are greatly anticipated. Respectfully, XXXX " XXXX '' XXXX | ||||||
| 02/15/2022 | Yes |
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| In 2021, both my co-signor ( father ) and myself received letters from XXXX stating that he had been removed as a co-signor from my loan. We both later received a letter in XXXX of 2021 stating that the initial release was done in error, and he had been added back. My co-signor submitted an inquiry to XXXX on XXXX asking what would be required for him to be released from this loan, to which XXXX responded noting my on-time payment requirement had been met, and I simply needed to submit the application to have him released. On XXXX I called XXXX to ask how to do this, as it is not listed on their loan servicing site anywhere. The representative stated he would email me the application, which he did the same day. I completed the application as it was provided and gathered the required supplementary documentation, which I submitted on XXXX. I was right away notified my signature must be physical and scanned or DocuSigned. I then DocuSigned the application, and resubmitted this on XXXX. I heard nothing further from XXXX aside from their automated response that my documentation had been received, so on XXXX, I reached out for an update on the status of my application. On XXXX I received a call and a letter from XXXX. The letter stated that the application was missing pages for personal references. I emailed XXXX back asking how I could be missing pages when the entire application they sent had been completed and returned. XXXX then claimed that I needed to enter " N/A '' in any location I had left blank. The application does not state this is a requirement, but I still did this and re-submitted the application again on XXXX. On XXXX I called XXXX to inquire about the status of the processing of my application, and spoke with a manager named XXXX. She informed me that my application would not be accepted as is, because it was signed in XXXX and the supporting documentation was now too old ( I pointed out how XXXX failed to process the documentation in a timely manner in the first place, which makes this an issue they should be resolving despite the allegedly old information they claim to now have, she was not moved by this argument ). She then put me on an extensive hold while she tried to look into the letter I received from XXXX claiming personal references were missing. When she returned, she stated she could find nothing about this in their documentation and has historically never been asked by US Bank to have applicants submit this. She also then stated that she didn't believe the DocuSigned application would be acceptable. She then proceeded to tell me that she's never in the course of her employment seen US Bank approve a co-signor release, and she recommends that all applicants just re-finance their loans to get the co-signor removed. My loan terms, however, do specifically indicate that a co-signor will be able to be released, which is what we are trying to do. I did resubmit the documentation with my most recent paystubs and re-signed in DocuSign so the date signed was XXXX. This was all submitted to XXXX once more. On XXXX, I received a letter from XXXX stating that my application could not be processed because it was not signed and my documentation was out of date. Clearly, none of these these allegations in the letter are accurate, and XXXX and US Bank are doing everything they can to dissuade me from further trying to release my co-signor. | ||||||
| 10/20/2018 | Yes |
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| XX/XX/XXXX, signed first refinance loan. XX/XX/XXXX, second one was signed. Banker asked me did I want to sign up for a XXXX savings account which was free from monthly maintenance fees sence I had a checking account in good standing for three years. I said sure. So I then had a Checking account, savings account, and a XXXX savings account. Now I was told my monthly payments would be {$120.00} a month which would be removed from my checking account. In order to get a {$50.00} dollar saving. But if the payment is not honored because of returned status, I will be charged {$25.00} late fee, and {$50.00} return fee. So for six months I never received noticed of any problems. Then I started getting calls from the auto loan department claiming they had not received a payment. So I went and made an inquiry at the bank about this problem. So after I kept getting calls where even though I had the money in my account I was still getting calls from the auto loan department. So on XX/XX/XXXX, I told a male banker XXXX XXXX to close all accounts except the two credit cards and my auto loan. For some reason the bank or someone had opened up a side checking account on the same day. My auto loan was approved. Even though I closed all checking and savings accounts in the 6 month of XXXX. I received a letter dated XXXX XXXX, saying account for one would be closed on XX/XX/XXXX. Because of the {$8.00} monthly fee. Which the bank kept open 3 to 4 months drawing late fees, over limit fees, and monthly fees. Which to me only looked good for that branch records of padding there accounts because I had not used the account sence the XXXX month of XXXX. Now even though the account was supposed to had been closed on XX/XX/XXXX. It still was left open even longer. Where after I had to buy all statements of {$3.00} a page even if the pages only had the bank info., at the bottom. Not just certain statements all statements for the account number. Which was a lot, but I did. So I got a statement from XXXX XXXX, XXXX XXXX, XXXX. When I asked why the statement was 3 months instead of one the banker said the account was closed in XXXX, and that they put it all on the same statement. So then when I made my auto loan payment the teller removed the money and placed it into the mystery side checking. Then when the bank seen money was still being put into a closed account they paid a bill, which I had already paid. In XXXX, of XXXX. Then with my original checking account, which should had been closed on XXXX, of XXXX the bank kept open until XXXX, of XXXX. Even though I was paying car payments myself. So when the bank seen my money was in that account they did the following : 1. Returned withdrawal {$20.00} 2. Returned withdrawal {$110.00} 3. " " {$110.00} 4. " " {$110.00} 5. " " {$2.00} 6. " " {$30.00} 7. " " {$220.00} 8. " " {$350.00} TOTAL DEPOSITS/CREDITS. {$980.00} Then I made a payment on XX/XX/XXXX, for {$1200.00}, and then they still kept car for almost 4 days. When I finally got car items were missing that totaled {$120.00}. And door was broken, which it was not when bank stole. Now according to bank, in XX/XX/XXXX, my credit was not good enough to get auto loan. Four months later, it was with the same credit score. Now when I went to another bank and was approved for a {$10000.00} credit card. That same month a day or two later car was supposedly REPO., really STOLEN by bank. | ||||||
| 02/06/2017 | Yes |
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| I was given a XXXX gift card ( U.S. Bank National Association, XXXX XXXX SD XXXX ) after my house burned down. On XX/XX/XXXX, I registered the card according to the instructions that came with the card. When I did I saw that the card had already been used at a XXXX in XXXX ( I live in XXXX, Tennessee ). I called the dispute center and was given instructions to send a PPD dispute by fax ( XXXX ) ( written statement of dispute as required by XXXX ) and a Lost/Stolen Replacement Card Request by fax ( XXXX ) for which I have fax receipts for both of these - they were sent on XX/XX/XXXX. When it had not been resolved I called U.S. Bank National Association at XXXX on XX/XX/XXXX. They told me they mailed me a XXXX ( XXXX XXXX of XXXX XXXX ) to complete and return. I had never received it so they faxed me a copy of the letter and XXXX on XX/XX/XXXX. I completed the XXXX and faxed it back on XX/XX/XXXX ( of which I have a faxed receipt ). On XX/XX/XXXX I called to inquire if the dispute had been resolved and they said that the case had been closed because they had never received the XXXX Cardholder Dispute. I explained that I faxed it the same day they faxed it to me and they said that they provided a letter to me that states that I must call them after XXXX hours to confirm that they received the fax because they receive XXXX of faxes a day. I have the letter in front of me and it does not state that I must call them to confirm receipt of the fax after XXXX hours. The fax receipt shows that the fax went through to their office. In any case, I actually did follow up at a later time, but did not write down the date. When I spoke to the representative, they never said they were missing anything, they just kept insisting that they have XXXX days to resolve the dispute and were in the process getting information from the merchant. In any case, I sent the initial dispute in writing within XXXX days as required by XXXX XXXX They have confirmed with me that they received that letter. It includes all the required information for the dispute as required by Regulation XXXX. I work in bank compliance. Regulation XXXX does not require a XXXX Cardholder Statement of Disputed Transaction to investigate or resolve a unauthorized dispute. This is typically something needed for ACH rules, which have nothing to do with a resolution of a consumer unauthorized dispute. In any case, I sent it to them, they lost the document and closed the file without ever following up with me on the dispute. I have never even received any type of letter/notice from the company regarding the status of the investigation. I have re-faxed the XXXX Cardholder Dispute on XX/XX/XXXX. I asked the representative to speak to someone in compliance or a supervisor but they said I can not talk to compliance and that they will put a note for a supervisor to contact me. I also asked for an email address to send a copy of the XXXX, but they said they do not have an email address. If I have counted correctly, my 45 days for a new account investigation of a dispute is up today. They have not resolved my dispute and have closed my case without notifying me or ever following up in any way on the dispute. They have put the blame on me not following up within XXXX hours of faxing the XXXX, when the letter they provided me never states that I have an obligation to make sure they do n't misplace the fax. | ||||||
| 03/09/2023 | Yes |
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| On XX/XX/ my checking account at US Bank was frozen. I did not know this until Friday XX/XX/XXXX when I tried to use my card and it was declined. After it was declined I looked at the US Bank app on my phone and it showed there was {$1000.00} in the account. The {$50.00} of gas I was trying to buy should have been more than covered. I had opened this new account on XX/XX/XXXX right after I had moved to XXXX XXXX. When I was opening the account I was telling the guy helping me that XXXX, XX/XX/XXXX, I was getting on a plane to go see family in Alabama. The guy helping me open the account showed me how to go into the banking app and schedule me being out of town and where I would be so the system wouldn't be triggered by out of town purchases. All that got set up and I went out of town. I made purchases with the new card and things went smooth until my card was declined on XX/XX/XXXX. That morning, as I was 5 states away from the branch I had opened the account at, I called customer service to ask why my card wasn't working. I was told they needed proof of my new address because my driver 's license and address I had put on the account didn't match. The customer service person on the phone said I needed to physically bring the bank a piece of mail with my new address printed on it. I explained that I was 5 states away and not able to get to my mailbox and provide that until I got home. They would not work with me and the lady on the phone said the department putting the freeze on it didn't have anyone 's name attached to it or a phone number she could call or give me to call. Just an email address. Nobody local had any power over this. My plane landed in XXXX XXXX on the evening of XX/XX/XXXX. On XX/XX/XXXX I took my mail in there so they could see it. At this point I just wanted my money out and to close the account. The person who helped me sorted through the mail and said only one piece was usable because the other pieces had been forwarded to the address. He scanned and uploaded the piece of mail that worked and then told me it would be 48 hours before I could get my money. I moved to XXXX XXXX from XXXX, XXXX and had one last carload of stuff left to get from XXXX and XXXX XXXX XXXXXX/XX/XXXX drove down to XXXX to get it from my friend 's house. I spent the night with my friend and the morning of XX/XX/XXXX I walked into the local US Bank in XXXX and tried to get my money out and close the account since 48 hours has now passed. I was told they couldn't give me my money and the account was still frozen pending proof of address verification. I told them I had turned everything in to the branch in XXXX XXXX two days earlier on Tuesday. All I want at this point is to get my money and close the account. The US Bank branch in XXXX was unable to release my funds because of this hold for address verification. I didn't have my mail with me because people normally don't travel with mail to prove their address. US Bank was fine with me for two weeks banking and using my card without this address proof but now that I have provided it they are still holding my funds. I left the XXXX branch an hour ago still without access to my money. Moving is expensive and stressful without a bank acting this way. I want my money and my account to be closed. US Bank 's behavior is dangerous and falls into the category of harassment and is probably illegal. | ||||||
| 12/24/2022 | Yes |
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Web | Older American, Servicemember |
| Monthly Interest applied on unpaid balance without users knowledge! XXXX XXXX withheld information to members stating, " to not use their credit card during XXXX of the month to the XXXX of next month ''. Since they can not assure their XXXX days in pending will be observed! See attached! This could cause the user of the VISA card thinking such, but the said purchases are included in the current month and compound interest is unnecessarily applied! I have an email from their customer support saying they have no control over the 5 days pending! In addition, their robotic remote teller by phone says I have a {$600.00} credit! But this is not shown in my account! And they have no knowledge of it! So, I do not know how to access it! The following is subject recording from XXXX card services XXXX : Most banks use a five-day pending with it being mutually exclusive to statements closing date with posted purchases! This would have prevented XXXX 's unfair practice in this matter! And would not require a disclaimer " to not use card between XXXX through the XXXX of the new month! '' And payment date being XXXX weeks after statement date to give customers time to respond! Keep in mind lots of folks on fixed income. With income coming on a certain date. So, their budgets are time sensitive! I request an audit of XXXX XXXX practices not being able to control XXXX day pending when statement closes, Specifically dates XXXX of month to XXXX of next month. The XXXX of the month is when they post the statement but confuses the XXXX as the date to make a payment! So if purchases are made during this period they do not get a XXXX day pending! And the user/customer/member have not been told of this method! Plus their method do not show credits and how to access those credits. I called their XXXX number and their remote teller says I have a {$600.00} credit but there's annotations how to access those credits! that number is XXXX I'm asking for an audit and fair adjustment to me, and a review for class action for how long practice been in place and how many customers were affected! XXXX XXXX XXXX XXXX XXXX XXXX Supporting Attachment showing days in pending are un-controlled! And customers/users are not informed! Date : XX/XX/2022 Message # : XXXX From : XXXX XXXX Subject : Questions : Doesn't purchases stay in pending for 5 days as a policy? Message : Dear XXXX XXXX XXXX : Thank you for contacting XXXX XXXX via our website about your Visa account ending in XXXX. When a merchant initially charges your account, the amount will remain as a pending authorization for up to XXXX business days before posting to your account. Pending authorizations are charges that have been approved but have not posted to your account. The amount is deducted from the available credit but is not yet part of the balance. This ensures that the funds will be there for the merchant when they forward the charge request for posting to your account. We do not control when a transaction posts to the account. If the transaction posts by the time the statement generates, then that transaction would need to be paid in full by the due date on the statement to avoid interest charges. If you have further questions or concerns about your account, please contact us again. Sincerely, XXXX XXXX. XXXX XXXX XXXX Additional information for audit request! Additional information : | ||||||
| 09/28/2023 | Yes |
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| So I lost the card twice in a short period of time, and during that time I was told that I did not need to file a police report, so what I decided to do was just file a claim. The representative also said that I do not need to file a police report, but I was told that the dispute was closed, so I had to reopen them and then file a police report. Not only did I not have an update, but I was charged twice on each transaction, so even when I got provisional credit for the transaction by telling them that I lost the card, I still had the same transaction charged again. I wanted the dispute resolved since I lost the card originally, but there were statics, so I believe the representative said that I have the card in my possession when I did not. The last few times that I spoke to the representative, there were two separate disputes with the same transactions for both times when I lost the card. One of the disputes said I have it, and another ( double charged, which got provisional credit reversed ) said that I do not have the card. Right now I plan to make a payment, but I should have gotten this resolved awhile ago. Old account XXXX XXXX XXXX XXXX ( Currently XXXX XXXX XXXX XXXX ) - XX/XX/2023 XXXX XXXX {$10.00} XX/XX/2023 XXXX XXXX {$11.00} XX/XX/2023 XXXX XXXX {$6.00} XX/XX/2023 XXXX XXXX {$25.00} XX/XX/2023 XXXX XXXX {$18.00} XX/XX/2023 XXXX XXXX XXXX {$22.00} XX/XX/2023 XXXX XXXX {$12.00} XX/XX/2023 XXXX XXXX {$31.00} Old card - XXXX XXXX XXXX XXXX ( US Bank ) and the current card number for this account is XXXX XX/XX/2023 XXXX XXXX {$42.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$33.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/2023 XXXX XXXX {$24.00} XX/XX/2023 XXXX XXXX {$15.00} XX/XX/2023 XXXX XXXXXXXX {$12.00} XX/XX/2023 XXXX XXXXXXXX {$7.00} XX/XX/2023 XXXX XXXX {$19.00} XX/XX/2023 XXXX 's {$7.00} XX/XX/2023 XXXX {$69.00} XX/XX/2023 XXXX XXXX {$6.00} XX/XX/2023 XXXX 's {$5.00} XX/XX/2023 XXXX 's {$3.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$37.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$29.00} XX/XX/2023 XXXX 's {$27.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$27.00} XX/XX/2023 XXXX 's {$25.00} XX/XX/2023 XXXX {$39.00} XX/XX/2023 XXXX XXXX XXXXXXXX XXXX {$22.00} XX/XX/2023 XXXX XXXX XXXXXXXX XXXX {$17.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$13.00} XX/XX/2023 XXXX XXXX {$14.00} XX/XX/2023 XXXX XXXX {$13.00} XX/XX/2023 XXXX 's {$3.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$54.00} XX/XX/2023 XXXX XXXX XXXX {$13.00} XX/XX/2023 XXXX XXXX XXXX {$37.00} XX/XX/2023 XXXX XXXX XXXX {$22.00} XX/XX/2023 XXXX XXXX XXXX {$29.00} XX/XX/2023 XXXX XXXX XXXX {$27.00} XX/XX/2023 XXXX XXXX XXXX {$17.00} XX/XX/2023 XXXX XXXX {$35.00} XX/XX/2023 XXXX XXXX {$13.00} XX/XX/2023 XXXX XXXX {$14.00} XX/XX/2023 XXXX XXXX {$3.00} XX/XX/2023 XXXX {$39.00} XX/XX/2023 XXXX XXXX {$38.00} XX/XX/2023 XXXX XXXX {$25.00} XX/XX/2023 XXXX 's {$27.00} XX/XX/2023 XXXX {$26.00} XX/XX/2023 XXXX XXXX XXXX XXXXXXXX {$33.00} XX/XX/2023 XXXX XXXX XXXX XXXXXXXX {$29.00} XX/XX/2023 XXXX XXXX {$7.00} XX/XX/2023 XXXX XXXX {$19.00} XX/XX/2023 XXXX XXXX {$3.00} XX/XX/2023 XXXX XXXX {$6.00} XX/XX/2023 XXXX 's {$5.00} XX/XX/2023 XXXX {$7.00} XX/XX/2023 XXXX {$32.00} XX/XX/2023 XXXX XXXX {$42.00} XX/XX/2023 XXXX XXXX {$24.00} XX/XX/2023 XXXX XXXX {$12.00} XX/XX/2023 XXXX XXXXXXXX {$7.00} XX/XX/2023 XXXX XXXX {$15.00} XX/XX/2023 XXXX {$69.00} XX/XX/2023 XXXX XXXX {$12.00} XX/XX/2023 XXXX XXXX {$31.00} | ||||||
| 03/24/2017 | Yes |
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| I received a letter in the mail from " XXXX '' advising of " some important changes that are being made '' to my credit card Account. The letter provided XXXX digits identifying " Your Account ending in .... ''. While I have a credit card ending in those XXXX numbers, my statement for that credit card comes from Bridgewater Credit Union, not XXXX. Nowhere on the letter does it indicate that they are the servicer for Bridgewater Credit Union. This is DECEPTIVE in nature. The letter went on to advise that the Annual Percentage Rate on the credit card Account was being increased due to an account review that was performed " utilization both internal Account history and credit bureau information ''. When I contacted Cardmember Services, the representative that I spoke with advised that the reason they were increasing my APR was due to my credit score. So, the letter is again DECEPTIVE in that the APR is NOT being increased due to " internal Account history ''. Matter of fact, when I questioned the representative, asking them to confirm the fact that I have NEVER been late in payment on my account and, in fact, pay close to {$200.00} per month in excess of my monthly " required ' payment, the rep confirmed this. I advised the rep that my credit score is low due to medical bills which have surmounted due to a XXXX in XXXX 2016 which caused in excess of $ XXXX in medical costs. I further advised that I have an inability to pay that amount but am working with all medical providers to make payments and that my credit score, while low, is not at all indicative of my payment history with Bridgewater Credit Union. Matter of fact, I asked the rep if they were aware that a credit score fluctuates on a monthly basis and is a cumulative of many different factors and not XXXX single item on a credit report. I advised that if they reviewed my report, as a whole, they would see that every single installment and revolving account is being paid on time and only the medical bills are an issue. I further went on to explain that many of the medical bills are also in dispute due to XXXX XXXX in 2016. I also advised that under the law, I am under NO obligation to reveal any information related to this to them. The fact that this institution is raising my rate due to a credit score which is indicative of MANY different factors is an UNFAIR and ABUSIVE act and practice. I have been a loyal customer for many years. I have proven myself and my ability to pay. As such, my APR should remain intact and should not be increased. Matter of fact, their letter goes on to say that they are making changes due to derogatory public record or collection, proportion of balances to credit limits is too high on bank revolving or other revolving accounts, time since derogatory public record or collection or proportion of loan balances to loan amount is too high. If this is the case and they are raising my APR then they are abusing their power as they clearly recognize I am having an issue with medical bills and preying on that by raising the APR to collect additional interest. This is an ABUSIVE practice. I want this company investigated. I made an attempt to contact them and discuss and allow them to right this wrong and they were unwilling to do anything about this. This is not right. They are preying on consumers. They are engaging in unfair, abusive and deceptive acts and practices. | ||||||
| 10/04/2016 | Yes |
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| I am writing to dispute unfair credit reporting practices carried out by your Middlesex Savings Bank College Rewards XXXX card. I am a hard working college student, balancing school, a XXXX, a XXXX and a XXXX at a XXXX. I am putting myself through college while paying all my own living expenses. Last year, though I did n't need a credit card to survive, I made a thoughtful decision to open XXXX so that at XXXX years old, I could begin to establish credit. I went through Middlesex Savings Bank since this was the bank I knew and trusted since opening a checking account at XXXX years old. Unfortunately, this is also the bank that has deceptively and carelessly tarnished my credit. Upon opening my card, I immediately set myself up with the free automated payment service that they provide. I did this because, again, I did not need the " income '' from the credit card, I wanted to use the card and pay the balance, on time, each and every month to build my credit. I opened the credit line in XXXX 2015 and my payments were deducted automatically in XXXX and XXXX. I was really surprised and frustrated when I received an email on XXXX XXXX, 2015, stating that my account was past due. I have a copy of this. The confusion stemmed from the fact that I had successfully been set up on the automated payment system. In an effort to fix this as soon as possible, I then went through the online system and took steps to get set up ( again ) with automatic payments. I was not able to do this because a message appeared stating : This account is already set up on AutoPay ( recurring payments ). Click View AutoPay to review the payment schedule set up. I have a copy of this to submit.. For a year now, I have continued to make timely and consistent payments each and every month. Sometimes I make two payments a month to keep my balance at XXXX. These payments are reflected on my summary separate from the monthly auto payments. I am not paying the minimum balance, I am is paying the balance in full every month. My auto payment took care of the situation and I moved on, keeping record of the error. I wrote to Middlesex Cardmember Service to dispute this because in the past two months, I tried to take out a car loan so that I can get myself to classes and my XXXX part time jobs. I also tried to purchase a cell phone through XXXX. I was unsuccessful with my phone purchase for XXXX reason. Middlesex Savings has made a derogatory claim on my credit report for a " missed payment '' last year in XXXX. I was extended a car loan, but with an outrageous amount of interest due to XXXX derogatory mark on my credit by their bank. Because I am so young, I have n't much credit. Only this credit card, which is erroneously reflecting a missed payment. This is not only unfair, but this is n't even my error. The error took place with their internal system. How disappointing that I opened this to build my credit ( and please look at my payment history!! ) and their error has done just the opposite. I sent a written dispute on XXXX XXXX and asked for them to contact me by XXXX XXXX to confirm that they understand the mistake they made and to correct this with the credit bureaus. I called yesterday to follow up and was placed on hold for XXXX minutes. After XXXX, I was prompted by a robot to press XXXX if I wanted to take their customer service survey. I pressed nothing and the call ended. | ||||||
| 12/25/2020 | Yes |
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| This is a new complaint against U.S. Bank, as well as a follow-up complaint to U.S. Banks XX/XX/2020 response to my initial complaint against U.S. Bank. In U.S. Banks XX/XX/2020 response to my initial complaint, the representative states, The account was transferred to our Recovery Department where it was placed with an agency by the name of XXXX XXXX for collections ; however, the account is now being handled directly by U.S. Bank. On XX/XX/2020, after receiving U.S. Banks XX/XX/2020 response to my initial complaint, I contacted U.S. Bank and informed a U.S. Bank representative that I had made a settlement agreement with XXXX XXXX. The U.S. Bank representative informed me that U.S. Banks XX/XX/2020 letter in response to my complaint that states the account is now being handled directly by U.S. Bank is incorrect and that the account is currently with XXXX XXXX. My payment to XXXX XXXX is due XX/XX/2020. I received XXXX XXXX written settlement agreement today, XX/XX/2020, after contacting U.S. Bank and speaking to a U.S. Bank representative on XX/XX/2020, and would have been able to secure the funds to send payment to XXXX XXXX by XX/XX/2020, but now I can not do so because I do not know who has the account because of U.S. Banks contradictory verbal and written statements. I contacted XXXX XXXX on XX/XX/2020 to advise them of the problems U.S. Bank is currently causing, and I was able to only leave a recorded message. I contacted U.S. Bank several times again on XX/XX/2020 to request a written letter confirming that XXXX XXXX has the account and not U.S. Bank, and no one answered the phone. Once again, U.S. Bank is causing problems getting this account settled and closed. U.S. Bank continues to provide inaccurate and contradictory information, and can not be trusted. The following are my responses to U.S. Banks XX/XX/2020 response to my initial complaint. U.S. Banks letter dated XX/XX/2020, in response to my complaint, states, The responsibility of making timely payments per the terms of the settlement agreement that were discussed with you ... remains with the account owner. It was U.S. Banks responsibility to provide a written accurate settlement agreement, which it did not. It was U.S. Banks responsibility to provide a written amended accurate settlement agreement, which it did not. It is absurd for U.S. Bank to expect any settlement payment without providing a written accurate settlement agreement. U.S. Bank should have provided me with a written accurate settlement agreement, but they did not. I was told by U.S. Bank representatives that U.S. Bank is unable to regenerate written settlement agreements. Now, after I filed a complaint against U.S. Bank, suddenly U.S. Bank is able to provide a written settlement agreement. Interestingly, the XX/XX/2020 written settlement agreement U.S. Bank provided on XX/XX/2020 in response my complaint is incomplete and contains page 1 of 3 only. In U.S. Banks XX/XX/2020 response to my complaint, the U.S. Bank representative stated, On XX/XX/XXXX, you requested an extension of the settlement as you were unable to pay and wanted a new start date of XX/XX/XXXX. XXXX Bank wanted the entire settlement amount paid by XX/XX/XXXX, in one months time, still without having provided a written accurate settlement agreement, and I informed them I could not pay the full amount in XXXX month at that time. | ||||||
| 09/02/2021 | Yes |
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| On XX/XX/XXXX, I wrote to US Bank Home Mortgage/US Bancorp to request correction of the error described below in regard to the mortgage on my property. I had been notified by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX that US Bank Home Mortgage failed to pay the following expenses from my escrow account : {$880.00} payable to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ), for policy number xxx, due XX/XX/XXXX. Instead, US Bank paid {$790.00} from my escrow account. A blatant error and negligence on the part of US Bank. US Bank was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX of the Short Payment. US Bank was to pay the {$86.00} by XX/XX/XXXX and failed to do so. I then was notified by US Bank on XX/XX/XXXX that I had insufficient flood insurance coverage when I have had the same coverage since XX/XX/XXXX. I then made an immediate payment on the day XXXX received the notice, XX/XX/XXXX, including the new rate and late fee of {$110.00} directly from my checking account to XXXX XXXX XXXX, XXXX XXXX XXXX, so that I would not be insufficient in my coverage due to US Banks negligent error. I fulfilled USBank 's requirement of me proving sufficient coverage within their 45 day deadline. At that time, I called US Bank to ask for an escrow analysis after several disconnections : first XXXX was unable to use his system from his home and then XXXX had to put me on hold a long time but said she resolved the issue. I was then notified on XX/XX/XXXX by US Bank that US Bank felt I had insufficient flood insurance coverage from XX/XX/XXXX to XX/XX/XXXX and would be charging me {$56.00} to buy insurance on my behalf. The Flood Declarations Page from XXXX XXXX XXXX shows the policy date is XX/XX/XXXX to XX/XX/XXXX am standard time. I called US bank customer service once again and spoke to XXXX with employee number XXXX in the insurance department who put me on hold for twenty minutes while she verified with her supervisor that I will not be charged the {$56.00} because the documents show I have sufficient flood insurance coverage. I asked to speak directly to her supervisor and was disconnected when she said she would transfer me. I then received notice on XX/XX/XXXX that {$56.00} was paid from my escrow to XXXX XXXX XXXX Co on my behalf. This is the second blatant error from US Bank. I am entitled to a refund of the fees and difference between the {$110.00} that was due because of US Banks failure to pay the {$86.00} they owed to XXXX XXXX XXXX. I requested an immediate refund of {$24.00} paid by US Bank to me. US Bank incorrectly imposed a fee of {$56.00} for insurance coverage from XX/XX/XXXX to XX/XX/XXXX charged to my escrow on XX/XX/XXXX when I already showed proof of sufficient coverage on XX/XX/XXXX. US Bank owes me a total of {$80.00}. US Bank responded to my written request with a one-paragraph form letter and attached my closing cost details and highlighted the flood insurance estimated payment due of {$790.00}. That is there reasoning for paying the wrong amount to the flood insurance and for not paying the difference on time. However they did not pay the amount listed in my closing documents for homeowner 's insurance but instead paid the amount on the new statement when USBank received the premium statement. US Bank has horrible customer service and is not a company anyone should use for home mortgages. | ||||||
| 04/26/2017 | Yes |
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| In XXXX of XXXX we received a letter fro m US Bank that stated we own {$2200.00} to an old account and old lease number. That account had already been closed and a new vehicle was purchased and a new loan started through US Bank. XXXX and their sales associate XXXX , said that they had already sent a check to US Bank to pay off the old account ( our old vehicles last payments ). and that it had been received. I realized that what probably happened was that US Bank applied the check to the wrong lease number and that the {$2200.00} check had been applied to our new lease instead of being applied tot he old one. The leasing department at US Bank told me that this was fine and that they would do a reverse payment and everything should be fixed in 5-10 days. In XXXX when I tried to make a payment it also kicked the payment back to me without my knowledge and without anyone telling me. After the woment in the lease department told me to go ahead and make a payment on the new lease even though we had a XXXX balance. No one called to tell me if it had worked or not. I checked back again after receiving another letter in XXXX stateing that we still owed the $ XXXX dollars to the old account and now it was delinquent. Again, in XXXX I called and again the women said they would do a reverse payment and it would be fixed i n 5-10 days t hrough the leasing department. Same letter came in XXXX and XXXX . I continued to make payments even though nothing had been fixed and we still had an account balance of zero. I called in XXXX and this time the lease department told me that they could not do a reverse payment because the account was closed so they would have to get special permission to reverse the payment from another department. No one ever called to let me knowif this worked. That time the girl told me she would make a note to only let me talk to supervisors so I would n't have to continue to retell the story. Again, the problem was not fixed and again we received letters of delinquency on an account we no longer owned. Finally in XXXX the lease department decided to take away " payment '' amounts from our current lease and apply them to our old lease. When I asked to talk to a supervisor the lease department told me they could handle it. This corrected the old lease issue but they said we still owed {$89.00}. I do n't know why we owed more money because the check from XXXX should have covered the entire amount. Once they corrected those payments they said we were shor t two payments on our current lease. The lease department told me that I could call the payments department and work out a payment plan. They also told me that they if I paid just one back payment then I would be out of delinquency. When I spoke to the payments department this was not the case. I had to pay two payments {$790.00} an d my current payment for the month. SO a total of {$1100.00}. They then told me that it would affect my credit and that I could call the credit department and they would write everything down and dispute the charges. I c alled US Bank 's credit department and he listened to my story one time, did not ask any questions, and said I would receive a letter in 30 days. I received the letter yesterday and it said that US Bank found no fault and that my credit would still be affected by an incident that I had NO control over. | ||||||
| 05/30/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : Elan Financial Services XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX I hereby request a review of my payment history, as some payments may have succeeded the 30-day grace period, only because of a past divorce matter or a slow-down of work from the Covid-19 pandemic. I have always taken great pride in my excellent credit history, and I request from your company an act of compassion and the deletion of the several previous 30-day late payment history. There were circumstances beyond my control, and I believe I should be given this one-time professional consideration. I could have requested a complete deferment on payments during the difficult pandemic period, but I chose the hard course and did my very best to get my business up to its high standards as the economy opened up for business as usual. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 01/10/2017 | Yes |
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| I have my mortgage with US Bank. I have always made my payments on time, and have had very few problems. I mailed my XX/XX/XXXX payment that was due XX/XX/XXXX, sometime XX/XX/XXXX. There is a 15 day grace period and as long as the payment is made prior to XX/XX/XXXX, it is not assessed a fee. I made sure I mailed my payment in plenty of time for it to arrive at the bank by XX/XX/XXXX. During the time between the time I mailed my check and XX/XX/XXXX, I kept checking my checking account to see if my check cleared. When I saw it had n't by XX/XX/XXXX, I called USBank to let them know there appeared to be a problem with my payment posting, and to assure them that I had mailed my payment. I wondered if I should issue them a new check, but they said no, the mail must be taking longer for some reason and to give it a few more days. I asked them if they could waive any late payment fees, since it was through no fault of my own that the payment was not posted by XX/XX/XXXX. They said they could not, because they had already waived a late fee for me XX/XX/XXXX, and their policy is to only waive a fee one time for the life of the loan. My check for the XX/XX/XXXX payment cleared my checking account on XX/XX/XXXX, so the payment was finally received by USBank and posted to my account. I had remembered that incident in XX/XX/XXXX. I had changed bank accounts from which to draw my automatic payment, and I had entered either the account number or the routing number incorrectly, so the payment did n't go through. I had called the bank in that instance and asked if they could waive the fee. I remember they said they would, but then I remember that it still showed on my statement, so I ended up paying it anyway, to avoid being assessed further fees and to avoid additional derogatory impact to my credit rating. I told this to the customer service person, when I called about the XX/XX/XXXX problem, however this did not sway them, and they told me I would still be assessed the penalty. I requested a history of my mortgage payments. It took them over a week to send me the history. When I went through it, it confirmed what I had recollected, that I did in fact pay that fee XX/XX/XXXX. Interestingly enough, when I look at that history. I can see that there was an adjustment taking off the fee. They must 've adjusted it after I sent in the payment that included the fee. However, I was never notified that the fee had in fact been waived, and I was never given a credit for it. I paid it and that was the end of it. So, getting back to this XX/XX/XXXX late payment. It is inexplicable why the payment would 've posted so late. I do n't want to cast accusations, but it appears there was some kind of error in the process at the bank, that resulted in my payment being posted so late. I would like to have my request to have the penalty waived, because the late payment was through no fault of my own, and also be USBank 's own admission, they would 've waived the fee had it not been for the XX/XX/XXXX fee that they seem to believe was waived, however I paid that fee and was never given a credit for it. Also, I think they should contact the credit rating agencies, and have this incident stricken from my credit report, so that I do n't have a 'black mark ' on my credit score because of a simple mix-up. The fee is approximately {$57.00} Thank you. XXXX XXXX XXXX | ||||||
| 02/06/2020 | Yes |
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| On XX/XX/XXXX I visited XXXX to verify a balance on an unused {$25.00} Debit MasterCard Prepaid card with an expiration of XX/XX/XXXX. I received repeated error messages. I attempted to phone the 866 number listed on the card, but that number was no longer in service. After an internet search, I found the XXXX number for the card. I called and spoke with an agent named XXXX, who could not pull up any information with the given card number. She could not figure out why her system was not locating the card. She guessed that either the card was defective, or that the card 's balance was run down to XXXX and the card information may have been purged from the system. I queried how this could happen, and she mentioned that some cards can have inactivity fees associated with them. She could not confirm any of this information, and these were her best guesses. I was puzzled and alarmed, as the expiration date of the card is XX/XX/XXXX, and I believe that all pertinent consumer information related to the card should be readily available until that date. After some discussion, XXXX advised me to file a complaint to receive a call back from upper management. She took down my email, phone number and name and said it would take 24 hours to hear back. After 72 hours of not hearing back, over 15 phone calls to US Bank ( card owner ), Mastercard ( logo on the card ), and the 866 number listed above ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) each agent contradicted the previous agent. Nobody could provide helpful information or figure out why I had not received a call back. Each time, no information on my previous calls could be located, and I had to repeat the entire scenario all over again. I finally received a call back from XXXX on XX/XX/XXXX, who reported AGAIN that the card number could not be located on file. She could not provide any information as to why this was happening, but GUESSED that the card value was XXXX. She could not offer a resolution. When queried about her department or role, she reported that she worked for " cardmember services ''. No other specific information could be provided. I politely thanked her for her time, but also informed her about my level of frustration, repeated lack of assistance and contradictory information by her department, and indicated that my next step would be to contact the CFPB and XXXX regarding this experience. She, again, took down my information, and said that a member from the escalation department " may or may not '' reach out with a resolution, and there was no specific timeline for this unguaranteed contact. I believe that this card was sold under false pretenses and that the associated card management companies are using deceptive practices. Service agents intentionally use vague language, provide inaccurate timelines, and refuse to disclose company information or contact information to allow consumer reporting and proper follow up. Any associated fees, including inactivity fees, were not conspicuously displayed at the time of purchase to the purchaser or gift card recipient ( myself ) and I believe violates the CARD ACT. Furthermore, the state of purchase and the state that I reside in does not permit these fees. I would appreciate a replacement card issued by US Bank National Association in the amount of {$25.00}. Thank you for your time and review of this matter. | ||||||
| 02/04/2022 | Yes |
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| On XX/XX/2021 I bought 11 VISA gifts cards for my family as XXXX gifts at XXXX XXXX in XXXX XXXX, OR. The cards were in my possession until XX/XX/XXXX that I gave them on XXXX day. Six out of the nine cards were compromised as unauthorized transactions that were made in the same merchant even before I handled the cards to my relatives. I was able to recall 4 of compromised cards from my relatives in the amounts of {$200.00}, {$100.00} and 2 X {$75.00} and then was were the agony started. I called the customer service number in the back of the cards XXXX into a call center that called themselvesXX/XX/XXXX, although appear this is a subsidiary of US Bank. I tried several times on hold and when finally got a representative : I had to call 3 separate times, as they mentioned they could only file one dispute at a time, on third attempt I was able to file 2 disputes on the same call because I complaint. They did not acknowledge the pattern of this fraud ( being from the same merchant in another state ) that was obviously made with the gift cards. After following the " dispute process '', I received a questionnaire, filled them out and returned by mail. The result as of today is as follows ; Got a letter confirming the error for the {$200.00} and another letter confirming the letter for the error of XXXX out of XXXX. I have not received any communication for the other two. When calling they made impossible to explain the situation as they continue to read scripts without an effort to acknowledge my situation and the fraud that is happening with these VISA Gift cards. Furthermore, the letter confirms a credit " to your account '', which account?? This is a gift card. They did not cut a check, they did not explain HOW I was going to get my credit/money back in the letter. When calling them, I was told that the process is to call them to " ask for the credit as a gift card ''. That is not disclosed in the letter, nor it doesn't provide clear instructions as how the customer will get the credit. It appears that their customer service and dispute process are designed to have the customer call and claim until the customer gets credited. It appears that the intention is to retain the money until is claimed. The letter does not comply with UDAAP principles. This situation is harming me as customer ( and others as I posted a note on my Nextdoor neighborhood app and there were several comments with people having the same situation ) on something that I was not able to avoid but reported and also the Omission in the letter as to how I will recover my money. Whomever approved that letter to be used by the company does not understand the implications of omissions that are misleading to customers. For the other two disputes I have not received any communication. I am a XX/XX/XXXXfor the last 30 years and it frustrates me the lack of knowledge, empathy and arrogance that this " company '' treated me as a customer. I am asking nothing else than getting my money back due to their negligence to have a secured product that obviously has been subject to a consistent pattern of fraud. I opted to complaint before you, because experience tells me that I am not the only one going through this situation. Thanks and Regards, The company letter only info isXX/XX/XXXXXXXX XXXX XXXX XXXX, FL XXXX Fax XXXX The letter version in Spanish refers to US Bank. | ||||||
| 03/03/2021 | Yes |
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| I purchased a refurbished laptop from an XXXX seller on XXXX XX/XX/XXXX and paid via XXXX using my US Bank Cash Plus Visa credit card. This laptop started to malfunction in XX/XX/XXXX but I believed the issues had been resolved. The issues returned in XXXX XXXX and intensified. I called an IT service professional, who upon opening the laptop discovered a faulty hard drive as well as a malfunctioning fan. He was unable to close the laptop up again and cited poor workmanship when the item was originally shipped to me. I use my laptop to work and had to find a replacement. I contacted the seller through XXXX who ignored my messages. I contacted my credit card company on XXXX XXXX to launch a dispute against this seller and claim a chargeback for the full amount. On that date, I was given a temporary credit for the full amount and told that an investigation into the dispute would be launched. After 3 weeks and receiving an email telling me that my case was nearing a resolution, I called my credit card company again. I spoke with a representative who advised me that my case had been resolved and said it looks like were going to be giving you back the credit for that transaction. I was very relieved to hear this. However the next day I checked my account and saw that the credit had been reversed and I showed as owing the full amount of {$480.00} for the transaction for a faulty product. I again contacted my credit card company to inquire as to the reason for this, and was told that because my dispute more than 60 days after the transaction they couldnt give me a credit for it. I pointed out that a ) this had not been mentioned to me when I launched the dispute and b ) the dispute should never have been accepted if that timeframe is their policy. In addition I pointed out that I had been told by phone that in fact the credit would be applied in my favor and that as this was in a recorded phone call then the company had to honor it rather than just saying that it was a mistake. I was told that the matter would be investigated. I then called XXXX to see if they could intervene, as they have a window of 180 days within which to initiate a dispute. I was told that I had missed that window by 11 days and so they were unable to help me. If my credit card company had told me accurate information on XXXX XXXX I could have contacted XXXX and launched an investigation that would very probably have resulted in a ruling in my favour. Today I called my credit card company once again to enquire as to the status of the investigation. I was told that the representative who had told me incorrectly that the credit would go on my account was being given coaching so as to not make similar mistakes in the future, and that my request to apply the credit had been denied. I asked why I hadnt been immediately turned down for the dispute on XXXX XXXX and was shut down immediately with a comment of youre free to take this up outside the bank. I said that I couldnt go to XXXX as a direct result of US banks incorrect information as their window was now closed to me. I was told once again that my request for credit was denied and that I would have to resolve the matter outside the bank. The entire chain of mistakes was caused by US bank Visa and they have refused to admit to any wrongdoing or apply the credit for an item sold by an unscrupulous seller. | ||||||
| 04/11/2023 | Yes |
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| Hello, In XX/XX/XXXX I received a promotional letter from my State Farm agent, XXXX XXXX with a time-limited offer ( through XX/XX/XXXX ) to receive a {$500.00} bonus for opening a new business checking account at U.S. bank with three steps to qualify : 1. Open a new U.S. Bank Business Checking Package using promo code XXXX. 2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or U.S. Mobile App within 60 days. XXXX XXXX 's State Farm XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone number is ( XXXX ) XXXX. His email is XXXX On XX/XX/XXXX I opened an account at US bank at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX with the promotion code XXXX indicated in the promotional letter. On XXXX XXXX XXXX XXXX I transferred or deposited in person {$100.00}, then, {$500.00}. and last {$4500.00} from my XXXX account, effectively bringing the account balance to {$5100.00} The following XXXX transactions were made, deducted, from the account : XX/XX/XXXX {$30.00} XXXX XXXXe ( U.S. bank debit card enrolled ) XX/XX/XXXX XXXX {$19.00} ( U.S. Bank debit card used ) XX/XX/XXXX XXXX XXXX {$6.00} ( debit card ) XX/XX/XXXX XXXX {$18.00} ( debit card enrolled ) XX/XX/XXXX XXXX {$21.00} ( debit card enrolled ). In XXXX and XX/XX/XXXX, I called U.S. Bank Customer service and requested the {$500.00} bonus to be credit to my business account as I fulfilled the terms of the promotion and expected the U.S. to follow the terms of its offer. The promotion code was allocated by the customer service but, as of today, XX/XX/XXXX, I have not received the bonus from US bank. Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple emails to XXXX XXXX Until today there is no bonus still. At first, the email from XXXX stated that " the entire team in the U.S. Bank working on this matter for him '', but then, after I called again in XXXX days, I received an answer that I didn't fulfill the requirements?! I called the US bank multiple times, went in person and emailed and called the State Farm agency as well, but to no avail. I consider the offer I received a binding business contract. I would have earned an interest on this {$5000.00} deposit at a different bank. Instead, U.S. Bank used my money for FREE under the false pretext of me not fulfilling the terms of the offer. The first excuse of the U.S. Bank from a U.S. Bank representative at the branch was that the transactions I made " didn't qualify ''?! and the second one, completely different one, was from XXXX, as he stated that the U.S. Bank issued this offer as an online offer ( his email to me on XX/XX/XXXX ). There was no indication on the first page of the letter ( including the three steps required for this offer ) of the online ONLY type of opening the account to qualify for the terms of the offer. Back in XXXX, Union Bank tricked me in the same way with no bonus and used my funds for free. It seems this type of fraudulent business practice has gained popularity among the banks and goes unpunished by regulators. I fulfilled my side of the contract. I opened an account and kept the money there. I consider a failure to deposit the bonus to my account a breach of contract. Thanks for your help in this matter, XXXX XXXX, XXXX. | ||||||
| 07/25/2016 | Yes |
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| I got a mortgage XXXX 2015. In XXXX I had a medical issue that was going to cause me to not be able to make my house payment. I called the mortgage company and was told they could not help me until I was 3 months behind. So at 3 months I called back and they suggested a modification. I agreed and filled out all paperwork. Sent it back in immediately. Months and months passed when they said oh we need this extra document. I emailed it to them within 15 minutes of requesting it. several more months pass and even thou gh I called in concerned with the timing, I was told we are backed up and we will get you an answer as soon as possible. Then I get, we need more pay stubs because the ones you previously submitted are over 30 days. I comply and they get the requested stubs within 15 minutes of their request. Finally end of XXXX I was informed that I had been denied for modification because I had not been in the home for 12 months.. To me they should have known that when the process started. Informed me of that and then let me know instead of letting my mortgage get behind 10 months. They expressed that I could reapply. But when I read the actual wording of the denial, it was because I had not made 12 consecutive payments. So I said reapplying is only going to get me farther behind. But I was still urged to reapply. I agreed and she said we cant reapplyl until this modification is closed out. I asked when will that be? She said oh it takes several days. I will give you a call. I decided that the risk was too great and I was going to pull the money out of my XXXX I asked them to send me the letter that was accepted for XXXX. It took several several days to get the letter. But I did receive it and put in the request. The request was processed and I called the bank to let them know that the check was on the way. This was XXXX XXXX. I was told well your account has been referred to foreclosure. I asked when my modification was closed out and was told XXXX XXXX. And it was referred on XXXX XXXX. the XXXX was a Friday the XXXX was the following Monday. No phone call. No nothing. So now I have to pay attorneys fees. I asked how much do you want to reinstate my loan. Well we cant tell you that. The foreclosure attorneys will have to give you that amount. I called the number they provided and the attorney 's office said that has to come from the bank. But the foreclosure attorneys number when you call it says for reinstatement amounts press XXXX. Then is says to send an email or fax requesting the amount with all your information to the email they provided. I did so and got a response that says your request has been sent to US BANK. Please follow up with them. When I call US Bank they say they cant give me the amount. I have asked for my the supervisor of the agent assigned to help me. I have not received a call back. As far as I know there are XXXX attempts to get this amount and they have all gone unanswered. I called the HOP hotline for help and she suggested that I file a complaint. She the mortgage company with me and got the same run around. I still have no amount to pay to reinstate. US Bank says the process works this way, Ill admit that yours is not working but there is nothing I can do. I just want them to give me an amount telling me how much to reinstate. I have the money in hand. It seems like a stall tactic. | ||||||
| 03/30/2022 | Yes |
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Web | Older American |
| In XX/XX/XXXX, I received my XX/XX/XXXX statement from US BANK for my XXXX XXXX XXXX XXXX XXXX ending in XXXX. The balance on this statement was {XXXX}. The due date to make a minimum payment of {XXXX} was XX/XX/XXXX. On XX/XX/XXXX I paid {XXXX}. This was the total balance on the US Bank XX/XX/XXXX statement. I have not made any purchases on this credit card since I paid off the {XXXX} balance. I thought that this credit card was paid in full so I never thought of reviewing my subsequent credit card statements. However, on my attached XX/XX/XXXX statement for my credit card ending in XXXX, the statement shows that the {XXXX} balance for my previous statement was paid with a payment of {XXXX} and US Bank added " Fees Charged '' in the amount of {XXXX}. US Bank represented on my XX/XX/XXXX statement that my balance was {XXXX}. Then, after I paid the outstanding balance in full, they added a {XXXX} charge to my account. To add insult to injury, these scammers started charging me interest and late fees on the fraudulent {XXXX} unspecified fee they added to my account that had a {XXXX} balance. After recently making a purchase using this US Bank Credit Card, ending in XXXX, I found out a few days later that my purchase was canceled. Today, when I looked at my US Bank credit Card statement, I saw that US Bank has been charging me the following fees each month : LATE FEE - PAYMENT DUE ON XX/XX/XXXX {XXXX} MINIMUM INTEREST CHARGE FEE {XXXX} As of XX/XX/XXXX, US Bank alleges that I have a {XXXX} balance on my account as a result of charging me late fees and interest charges on my credit card ending in XXXX that I paid off on XX/XX/XXXX. Although the amounts are not great here, I believe that US Bank has used these false and fraudulent charges to make a report to credit reporting agencies that has damaged my credit score, frozen my US Bank credit card ending in XXXX so that I can not make purchases. I didn't know that US Bank was making fales and fraudulent charges to my US Bank credit card ending in XXXX because I assumed that when I paid off the credit card with my XX/XX/XXXX {XXXX} payment there would not be any further charges made to my credit card account unless I made future purchases. On XX/XX/XXXX, I paid the false and fraudulent {XXXX} charges to stop US Bank from continuing to damage my credit. US Bank should refund my {XXXX}, remove any negative credit reports they have made to credit reporting agencies, and reinstate my purchase that was canceled as a result of their false and fraudulent charges to my US Bank credit card ending in XXXX. Finally, I have tried to contact US Bank by telephone. However, when I do I am put through a voice mail system asking for my credit card number. After I input my credit card number and listen to a message, I am sent to another part of their voice mail system where I have to enter my credit card number again. I am then told that I will be sent to an operator. When I finally get to an operator I am told they are closed. Also, the appropriate US Government consumer protection agency should investigate US Bank for this late fee/minimum interest charge scam that US Bank is engaging in. If you multiply the number of customers being defrauded by what I believe is a scam that may add up to millions of dollars being taken from consumers misled or lied to by US Bank. | ||||||
| 12/19/2021 | Yes |
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| On XX/XX/2021 I opened a new checking account with US bank online in respond to their checking promotion. Then on XX/XX/2021 I received an personalized email offer from US bank with a subject line " 'Enjoy {$300.00} on us! " and message titled " Kick start your savings with a {$300.00} bonus! '' ( See attached screenshot ). It invited me to open a new savings account with $ XXXX and maintain the balance in the savings account through XX/XX/2021. When i first received that email i wasn't sure if it was a legitimate email from US bank ( i thought it could be fraudulent because it had no promotion code in it ), so i decided to verify with US bank. I called their customer service on XX/XX/2021, a specialist named XXXX XXXX was the person i spoke on that day ( and subsequent emails and phone correspondences until today ). I explained to her just like i explained above, that i opened my checking account recently and now received this email invitation but i wasn't sure if the email was legit. I forwarded that email to her while we were on the phone, after she did some research she confirmed the legitimacy of the email. So i asked her if i could indeed participate in this savings promotion since i just opened the checking under checking promotion. I also asked her to double check if my checking promotion code was attached to my account properly. Because it was known that sometimes promotion code would drop off durling online application process. But she confirmed the checking promotion code was attached properly. As far as the savings promotion she said she had to do some more digging and she would give me a response the next day. I told her i will definitely not apply for a savings account if she can't confirm that I'm eligible for that savings promotion. So our phone conversation on XX/XX/XXXX ended there. Then next day on XX/XX/XXXX i received email reply from XXXX XXXX that she has indeed verified, " so yes it is good to go! YAY for more money! '' Those were the exact words she used in that reply ( see attached email screenshot ). But XX/XX/XXXX passed, and i don't see the bonus posted so i contacted XXXX XXXX again, at first she claimed she don't know anything about it. So i forwarded her all our previous email correspondences to " refresh '' her memory. Then she apologized and claimed she forgot because they don't keep email history. After doing " more digging '' she came back and told me that the bonus will be posted 60 days after XX/XX/XXXX. At that point I really don't have much confidence left. I said i doubt it would happen and she said to just contact her back if don't see the bonus after XX/XX/XXXX. On XX/XX/XXXX i emailed her again letting her know still no bonus, she replied she will do a research form for me. Two weeks passed and still no response so i emailed her on XX/XX/XXXX that i will be filling a complaint with CFPB about this. And she replied finally, told me that i am not eligible for the savings bonus because i have received my checking bonus, she said i can't have both the checking and savings promotion. I am speechless!! From XX/XX/XXXX to XXXX, after 10 months we are back in the square one, but with totally opposite answers. She literally wasted me 10 months and $ XXXX for nothing but lies. And this is my experience with the US bank customer service, where trust and integrity are all lost. | ||||||
| 05/16/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020 I applied for the ppploan through usbank. I went through the entire process I provided all correct documents per usbank XXXX underwriter. A couple weeks passed and I got a notification my ppploan was approved and was given a plp number. From there I signed my documents and was advised my loan funds would be transferred to my account. At this time there was a issue with my business account, due to usbank online system. I then applied for another account online and a few days later I got 4 debit cards for all different accounts well I thought this is odd so I called XXXX cs and told them I was confused. Long story short because off this error on line multiple bank accounts were approved and opened under my name. I spoke with the branch manager regarding this and I explain it was my intention and I didnt understand how then as we were talking i told him that I kept having to refresh my screen bc my Internet was off and on well that supposedly was the reason so many accounts were opened not used just opened. So usbank decided that they wanted to close my account even though my account was at a positive balance. With my bank account suddenly being closed this cause my transfer from my ppploan to get rejected so a Sba rep reached out to me and I requested that funds be transferred to my external account. I was told it wasnt a problem and that my information was submitted and funds would be in my external account by next day. I was so happy because I finally my employees can be paid. Next morning comes and no funds in my external so I emailed the rep letting her know few days passed and she emailed me again saying my external bank rejected my transfer I didnt understand why because I just opened it. so in the middle of all this during the weekend a us rep called me and said I was approved for a business platinum checking so I thought wow they decided to open a account the rep provided me with my account number as well. So being that I needed to transfer my funds I advise the rep I was working with if she could please transfer it to my us bank checking she again said it has been sent over and funds will be in my account at latest by morning. Well it didnt get transferred so by this point Im upset because I was expecting to be able to pay my employees. The last message I got from the rep was she was looking into it. A few hours later I check my account and it shows my ppploan was paid off. I started crying because what was I suppose to tell my employees. I was being mis led in a few ways and my loan shows paid off but I never received it. I retired contact the rep and no answer. Then finally I talk to the branch manager He said that my ppploan was paid off and usbank isnt going to transfer my loan funds. So basically I got approved usbank wouldnt send me the funds and then paid it back to my ppploan and I am just stuck. I explained to the branch manager and he understood but it was usbank choice if I didnt need the ppploan I wouldnt have applied my ppploan was looked at and put together by a us bank staff then XXXX approved it. Usbank left me in debt with my employees they didnt have no reason why they were doing this. Still make matters worse I was told to reapply but I can because only one ppploan per tax id and since us bank shows paid off I am not eligible to apply again. I dont think this is fair | ||||||
| 11/05/2018 | Yes |
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| When I opened my account no disclosures were provided nor did I elect for overdraft protection or coverage for atm and one time debit transaction. Usbank representative stated the following that there were no remarks in the system with me opting into this coverage or protection. This being said they refuse to provide of proof of this and now they claim I elected to opt in when I opened my account. No body ever asked me about opt in or opt out and therefore how can I elect to something that was never presented to me. In addition. I received no disclosures when I first opened the account which would of alerted me to having an option. Usbank refuses to acknowledge my complaint and telling g me I elected to something without giving me sufficient proof is ludacris. I stated I did not elect, consented, affirmed, or given my consent. Us bank is not following regulations and I want proof I elected and I like the date the time and the representative and the bank when I supposed elected for this. It cant be provide because it never happened. I believe 4 transactions overdraft should be reversed as they fall under this as they were atm one time debit transactions and I never consented to it. It's an account less than two years old and compliance with regulation dd is required. I find this an easy solution as it is bank error and calling a customer a liar and not providing the customer with tangible proof is absurd. Out of 6 overdraft charges I am requesting 4 reversals. If your policy is to lie and tell me I elected for something I didnt than I find you to be in the wrong position. Look all you want but you cant provide with the following is consider the banks error not my error. I like to resolve this account but I find hard to as being told I did something when I didnt makes me want to continue the complaints as it's not just to write me an email with hear say and not providing me with the necessary proof so that we may close this matter. If you have any empathy you would understand my frustrations and would rectify them. Providing me with the basis of being a liar as I supposed elected without providing me the proof or relevant information makes this a really easy problem a bigger one. Customers dont find being called a liar or claiming I consented for something they didnt without a solid answer is not customer service. It's a cheap shot. I will tell you how it feels, so there was man named XXXX and he finally had a day off and wanted to go hunt ducks, so he went out on his property and and so he shot down a duck, but it just so happened the duck landed on his neighbors property, so XXXX saw XXXX his neighbor holding the duck, XXXX goes, Hey give me my duck!!, XXXX goes, No it landed on my property it's my duck!, XXXX than says I dont know how you were raised down in XXXX but around here we do things differently, I tell you what let 's each get 3 punches and the first one to fall down and not rise can have the duck, XXXX replied, ok, XXXX says I'll go first, so XXXX hits him the stomach, XXXX grabs his stomach in pain, than XXXX punches him in the face, XXXX falls back and than slowly XXXX gets his footing gets back up, and than XXXX kicks as hard as he can in the stomach, XXXX kills over in pain but barely manages to rise and XXXX, yell out ok its my turn!!!! XXXX than replies " ahh, you can have the duck '' | ||||||
| 02/06/2018 | Yes |
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| I the living woman have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL AND MAIL. The Trading with the ememy acct. By Franklin D. Roosevelt March 1933 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10 ... I the living woman demand that XXXX, XXXX, XXXX, XXXX send the proof of where the companies have VALIDATED these accts. As they have stated they have done as told to these credit bureau 's listed above XXXX with XXXX said that ( 1 ) XXXX XXXX XXXX # XXXX {$390.00}? ( 2 ) XXXX # XXXX {$2200.00}? ( 3 ) US Bank # XXXX {$1300.00}? ( 4 ) XXXX # XXXX {$0.00}? ( 5 ) IRS # XXXX {$31000.00} said these accts. we're VALIDATED, and the company said they are to stay the same I have not been sent proof of anything and XXXX said he is refusing to send in the request that these accts be VALIDATED he is nasty and rude by law this is my right I asked to speak with his supv. I was told I couldn't and she would call me back named XXXX supv. with XXXX I'm not the XXXX XXXX XXXX e.g XXXX XXXX or XXXX XXXX prove money was given to me as I am the Grantor & Beneficiary of the ESTATE in the case relating to the ALL CAPS NAME I'm not contacting you the credit bureau 's in an Representative Capacity for the Record I reserve all rights at all times, and WAVIE none ever. I'm contacting all 4 credit reporting Bureau 's XXXX, XXXX, XXXX & XXXX concerning the above issue 's, I'm demanding that these account holders prove they have a VALID CLAIM against me the living man who is the Beneficiary of the ESTATE of the defendant XXXX XXXX, I have demanded that these corporations prove these debts by a VALIDATED acct ( s ) that XXXX with XXXX said the accts were VALIDATED that be claiming that I the living woman is THE " XXXX XXXX XXXX e.g XXXX XXXX or XXXX XXXX I now demand for the 6th time to be sent PROOF of these VALIDATED accounts as they stated thet were VALIDATED I need that proof so I can use these VALIDATED claims in my equity court civil claim agaist the above entities to sue as the top have FRAUDULENT Claimed these accounts have been VALIDATED by law they all all DISREGARD ALL CERTIFIED WRITTEN REQUEST I being the Grantor & Beneficiary of the ESTATE will make an appearance in equity court for actual damages in addition {$1000.00} per damages and attorney fees be awarded That is why I'm Now Demanding All Proof be set to me the living woman for the FRAUDULENT ACCOUNTS listed as they have stated to the credit reporting companies the debts all have been VALIDATED I the living woman need that proof ASAP i expect this information to be sent with all updates by email to XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA by certified mail with tracking number and enclose all documents of all accounts as they are all prepaid from the ESTATE send all Original Documents that Show the living woman 's WET SEAL SIGNATURE 'S on all contracts and those contracts will be asking to be presented in Court I demand that All COMPANIES SEND VALIDATED PROOF OF THESE ACCOUNTS THEY HAVE STATED ON THE RECORD BELONG TO ME ( AS ALL ACCOUNTS ARE PREPAID ) I THE LIVING WOMAN XXXX XXXX WITHOUT PREJUDICE UCC 1 308 | ||||||
| 06/30/2017 | Yes |
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| I have had my US Bank Visa card since XX/XX/XXXX. I have never exceeded my credit limit or made a late payment and my current FICO score is XXXX. I received a letter from XXXX XXXX at US Bank dated XX/XX/XXXX. The letter states : " Please be advised that U.S. Bank has elected to close your credit card account at this time in accordance with the terms of your Cardholder Agreement. The account will be closed effective 14 days from the date of this letter. If you have any questions concerning this letter, please do not hesitate to contact us at XXXX or contact customer service for further direction. '' I called and left her a message on XX/XX/XXXX and XX/XX/XXXX and left voicemails both times. I called customer service on XX/XX/XXXX ( after leaving my second VM ) and the woman was very nice and apologetic but she had no idea why I had received the letter as there were no notes on my account. I asked for XXXX 's supervisor and the woman stated that it is a different department and they do n't have information like that and I would just have to wait for XXXX to return my call. XXXX returned my call on the afternoon of XX/XX/XXXX. She was very non-apologetic and had zero empathy that a long-time customer was going through this. I asked her for a reason why they were closing my account and she said that they had done a review and it was decided that they would close my account. I pointed out my 17 years of being their customer, no late payments, no exceeding of my credit limit, etc. She could n't have cared less and just repeated that they conducted a review and decided to close my account. I asked what they covered during this review and she said that she could n't divulge that because it was proprietary. I said that I am the customer and so I deserve to know. I also stated that this was the worst example of customer service I have ever witnessed to which she replied she was not in customer service. I pointed out to her that I am a customer and she is discussing this with me so she IS in customer service. I asked for her supervisor 's name and a phone number or email which she refused to give me multiple times. The only thing she would offer was some generic PO Box which I could mail a letter to. I pointed out that, by the time they get my letter the account will already be closed. I made it quite clear that the reason I was most upset about this is because I do n't want this to negatively impact my credit ( since I am in the process of purchasing a house ). She said it would n't since they make it look like I closed the account. ( I do n't think that wo n't impact my credit score since part of it is based on how long you have had your accounts. ) Since XXXX had no solutions or even an explanation, I went to the US Bank in town and asked to speak with a manager. I had the printout of my last 12 months of FICO scores and the letter from XXXX. I asked him if there was anyway he could assist me. He looked over my account and did n't have any idea why they were closing it AND EVEN MENTIONED THAT I HAD AN OFFER FROM THEM FOR ANOTHER CREDIT CARD!!! This situation has been ridiculously frustrating and I am mostly upset by the fact that a credit card company has the right to just close your account without explanation when that has negative ramifications on your credit score when you work so hard to protect it. | ||||||
| 04/25/2023 | Yes |
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| I attempted to make a payment using XXXX on usbankXXXX Before attempting to make a payment, I logged in to usbankXXXX using a username and password. Additionally I was asked to enter a 2fa code send to me via text message. I did that and was successfully logged in. U.S. Bank heavily promotes XXXX and encourages its use. I selected send money with XXXX and successfully found the person I wanted to send money to. I entered the amount, reviewed the transaction, and selected send. The website froze for a time and then provided a nonsensical error message. I then navigated back to the main usbank.com site to check if the payment could be found. I was asked to login again. After entering the correct username and password, I was presented with a message that said " We're sorry. It looks like your username has been disabled. Please contact XXXX for help. '' I called the number provided and was asked by an automated system to provide the last four digits of my social security number and debit card pin. Finally, I was connected to a human. I was told I would purposefully be blocked from accessing my account for " at least 48 hours '' and needed to be connected to fraud department to resolve the situation. After being asked for my full social security number and explaining the situation, I was told I needed to be connected to the debit fraud department. After holding, the next person that answered seemed to have a poor connection and was possibly using a speakerphone. After again moving through the identity challenges and explaining the situation, the call was disconnected. As the person on the other end had, once again, gone through the identity procedure they knew full well to whom they were speaking and had access to the contact information necessary to call me back. They chose to do nothing instead. I find this to be unacceptable. They knew the problem and who was experiencing it. It took nearly 30 minutes to be connected to that person and they made no effort to resolve the situation nor get back into contact after their phone system failed. The larger issue here is that while U.S. Bank is ostensibly trying to protect themselves against fraud, they are failing at it at the customer 's expense. The entire point of online security is making sure actors that should not have access do not while also allowing access to people that should have access. In the same vein, banning all cars from roads to make roads safer is not a solution to road safety. At no point did any of the three people I was shuffled between apologize for the problems created by their staff nor was I offered compensation or a resolution. One person I spoke with said after they decide to allow me to access my deposit account funds again on an arbitrary timeline that I should wait " an additional 25 to 26 hours '' before attempting to use XXXX feature on usbank.com again. That seems to me like a very specific number of hours to wait and is evidence of U.S. Bank being well aware of this issue. Instead of resolving the problems with their own fraud detection, they have provided guidance to their customer service personnel around what to say to an aggrieved customer. I don't think any customer should be subjected to " at least 48 hours '' of not having access to their FDIC protected funds due to failures of U.S. Bank 's failings in fraud detection. | ||||||
| 02/16/2023 | Yes |
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| late XX/XX/2022 i had fradulant activity occor in reguards to my debit card. id chekced my mobil banking app around the 3rd or the 4th and noticed amounts of moneys being soent out of my account that i knew i didnt have there to begin with. as soon as i noticed this i made what i thought were the proper steps to handle the situation. i notifyed the bank of the moneys i did not have leaving my account, questioned how they got there to begin with ect ect. at that point my debit card was closed and turned off. i was told later that it was at that point that i was supposed to recieve another one. that didnt happen. in the mean time i moved to a new adress and wasnt aware that i had an additional piece of mailed paperwork to complete the closing of the debit card account and so as a result of that i can only assume is why i never recieved a new account of which to conduct my regular banking needs with. now, fast forward to XXXX : i get into a car accident. the car iw as driving gets totaled and was therin paid off in an amount of over {$6000.00}. upon finding out i was recieveing this large lumpsum of money i made the mistake of allowing it to be direct deposited into u.s. banks control. that said, i called us bank to recieve the checking and routing number for the only account that i knew i had. that account was the same account that was supposed to be closed. the banker on the phone mentioned nothing of this and was even asked on a recorded line by my self, " will this be ok to do even though about a month ago i had some fraudulent activity on my account ''. the lady i talked to on the recorded line said that it would be fine. XXXX weeks later after calling the bank numerous times to confirm werther or not the money was in my account, i finally got an ok that the money was indeed in my account. i went to the bank on north division to withdrawl it. the teller confirms my moneyu is in the account. i go to withdrawl some of said moneys in the amount of XXXX XXXX the teller does the wiothdrawl and hands me the XXXX within seconds thoubh he says that he had made a mistake and the machine had counted the wrong amount of money out and needed me to give him the money back so he could recount it and give me the correct ammount. like an XXXX i believed him and gave it to him. it was at this tinme that he told me my account had a hold and i was not able to withdral my money.. that was foul, unprofessional and i personally would like for that gentleman to be fired for said events. its all on camera. its all right there to be seen on their cameras. since that day i have talked to customer service on the debit card division, the checking account division, the fraud deptment on both ends, the bank closest to my house and also the bank in XXXX XXXX Washington to get my money and i have gotten nothing but the run around. the banker in XXXX XXXX where i opened my account even had the audacity to tell me that he didnt know when i would get my money, didnt care, and alsio that he didnt feel comfortable giving it to me or reopening my account. it has now been almost 5 months since this started and all i want is the money that is legaly mine. i dont want anything else from this financial institution except the money that was supposed to be for my car being totaled. i have not had a car since this event happened be cause of this. | ||||||
| 07/18/2020 | Yes |
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| On XX/XX/XXXX I deposited a check in my bank account to the amount of {$2900.00} using my mobile app. On XX/XX/XXXX, US bank cleared the check and moved it from " pending '' status to " cleared/accepted '' status, which is how they indicate to their customers that a check has cleared. in addition to that the bank account balance was updated with an increase of {$2900.00}. I saw this online on my app and after calling the bank, on their automated menu to verify account balance. Trusting that the money were in my bank account after verifying in 2 different ways, I felt comfortable to make a cash payment through XXXX to a third person. XXXX is a service US bank provides to it's customers. They advertise it as a service that allows customers to send, request and receive money fast, safe and easy. They indicate that they guarantee that US bank customers are protected through a online-risk free. On XX/XX/XXXX at XXXX PST I noticed a transaction on my bank account via the mobile app that the bank reversed the check and it reappeared into pending transactions but this time as a negative balance, simultaneously the money disappeared from my balance. I immediately called the bank to understand what happened. I had 8-10 conversations on XX/XX/XXXX alone talking to various representatives who kept giving me factually incorrect information and in the end admitted that this is a known issue that scammers intimately familiar with how banks work are using to defraud bank customers. The bank representative had knowledge on the best days for the fraud to work ( i.e. Wednesdays ), but that doesn't change the fact that this is how the bank operates. They argued that they can't really tell a customer when a check is cleared, despite the fact that they indicate it has cleared, because a number of things can go wrong in the meantime and there is no way they can tell me how long would that take or at what point I can trust that the money is in my bank account ( regardless of the status online ). The bank refuses to take any responsibility for providing incorrect information to me as a customer and is also telling me that even though they can help me file a dispute with XXXX to get my money back, there is practically 0 % chance that will happen, despite advertising it as safe and easy. They are also refusing to reverse the cancellation of the check and still don't know what was the reason that all of this has happened despite talking to them at XXXX and then again 10 hours later at XXXX PST on XX/XX/XXXX. In addition to this being fundamentally wrong practice ( to tell a customer that something has cleared when in fact it hasn't ) that sets people in a position to be scammed. This bank representatives also provided factually incorrect information, multiple times throughout the day and refused to provide me with the recordings of the phone conversations I had with the different representatives. For example they told me the reason why the check bounced 2 days after it cleared is because the check was above the limit for mobile deposits, they told me the limit is {$1200.00}, it turns out it is {$5000.00}. They told me it takes 2-3 days to clear a check, later a different representative told me that it can take long time, that they can't guarantee anything and even though it says it is cleared it is actually not and so on and so on. | ||||||
| 10/17/2023 | Yes |
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| My husband and I applied for refinancing of our mortgage loan. An issue arose regarding {$360000.00} in XXXX loan debt. The bank was provided with a copy from the XXXX loan provider that the debt was forgiven. However I was told the letter was not sufficient because the debt still reflected on my credit report. I was advised to contact the XXXX loan carrier and get documentation. I was advised by the XXXX loan carrier to login into my XXXX account and provide the bank with a screen shot of my account which reflected the correct balance. I did that and forwarded it to the bank. After a week, I contacted the bank and they said the issue is still not resolved and that I need to join a call with their third party verification provider to verify that the debt was forgiven. I participated in the call, but the verification person ( hired by the bank ) stated that the hold time was too long and that she could not wait. While on the phone with the verification person I called the Loan Processor, XXXX and explained that the verification person refuses to wait on hold. XXXX XXXX response was that they could use the automated line. When the verification provider reported the information to the bank they did not address the {$360000.00} adjusted loan because technically needed to speak with a representative. As a result I was told we would not qualify. Although they were aware the information could not be verified. To help resolve the issue I reached out to the credit bureau and they confirmed that the loan had been adjusted to XXXX however it would take 15 days to get a credit report. Representative recommended that I enroll in a credit program for {$19.00} per month and I would get access to my credit report immediately. I did that and I screen shot the XXXX balance information and forward it to the bank and was advised " great news. '' But they need to probably pull another credit report to verify XXXX updated information. When I previously requested them pull a second credit report after I confirmed that the XXXX balance adjustment was done after our initial application process. I was told no, they can't do that unless its 90 days or more " it will hurt my credit. '' I would also like to add when the bank sent the appraiser he assessed my home ( with a dirt driveway ) {$200000.00} the balance owe was {$59000.00} the loan request was {$120000.00}. Again week later I called to check status of loan and was told the appraiser needed to comeback to our home after the concreate was poured. That was never communicated to us and frankly why was it necessary ( it created over a week delay ). US Bank has intentionally created unequitable paths to obtaining refinancing. As you will see in the documents that I have attached the communication was unprofessional and in my opinion bias. Although members of management were included in the emails they had nothing to say about how to move things forward in a professional matter. My husband and I have been customers for more than 20 years and are shocked at what appears to be discriminatory practices. At our initial application meeting the processor XXXX XXXX question us about missed payments from over 5 years ago and later said the bank only goes back one year for the approval process. We consider that to be another violence of our rights to be treated with dignity and fairness | ||||||
| 07/21/2023 | Yes |
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| I tried using a prepaid gift card that my XXXX Aunt purchased for me as a birthday present. I tried using it at various online and brick and mortar retailers this month. After being unable to use this prepaid gift card I contacted the company ( US Bank and XXXX ) on XX/XX/2023. They said their records indicated the card was associated with some fraudulent activity before my Aunt purchased it and before she loaded funds onto the card. As such the company said the card is invalid and the funds my Aunt loaded on to the card are blocked. The company claimed this happens all the time and that perpetrators will leave the card at the store after they are done with it. Hence, when my Aunt purchased and loaded the card it was already bunk and her funds were essentially blocked immediately. The company said the only way a replacement card can be issued to me is if I can produce a receipt along with a drivers license and pictures of the card. I sent them my drivers license and pictures of the card but the fact that this company is making me ( the gift receiver ) produce a receipt is unacceptable. This company is basically stealing from my Aunt and me for a variety of reasons. The first is that these cards are given as gifts and marketed as being an easy way to give someone money. So why would a receipt be provided from the purchaser. The second is that this company 's policy basically puts 100 % of the risk on the gift recipient and they take zero risk when it comes to fraud. If their records could tell them the card was invalid AFTER my Aunt put money on the card then they clearly have the ability to check the card BEFORE my Aunt put money on it. Of course if they did that they couldn't block access to funds that they then profit off of. Third, neither the company that administers the card or the store that sells it is taking any liability in this situation. Again if they could tell the card was used from some kind of fraud after I called them then why didn't they stop my Aunt from using this card at purchase. Also what if the store clerk doesn't clearly state to my Aunt please give the recipient of this gift card the receipt because the company and the store will accept zero responsibility if the card does not work. If this is in fact true then a warning and disclaimer should be in bold all over every single gift card. For 100 % of the risk to be borne by the gift card receipt is unacceptable for gift cards that are blocked due to fraud that occurred before the card was legitimately purchased. Finally, for situations like mine where there is no receipt ( and no way for my XXXX Aunt to produce one ), the company provides no alternatives to getting the funds released from their block. They are counting on things like this happening so they can hold these funds in perpetuity. They should be required to have sound protections in-place so that the purchaser and gift card recipient are adequately protected. They should also have a process in place for when a receipt can't be provided to them. If they can't stop people from buying and loading lots on money onto a card that was already involved in fraud and thus bunk then they should take the hit if no receipt can be provided. How is US Bank going to protect us consumers going forward because right now their gift card policy puts 100 % of the risk on the very end user. | ||||||
| 12/02/2016 | Yes |
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Web | Older American |
| In XXXX I opened a business and, at the suggestion of a U.S. Bank agent, applied to U.S. Bancorp for a XXXX sales system that would be administered through XXXX XXXX/Elevon, both divisions of U.S. Bancorp. This was under a four year lease and the fees as established come out to {$52.00} a month along with a $ 25 yearly admin fee for XXXX. I ended up not needing or using the system and have never done a sales through it in the three years that I have owned it. Instead I use a competitor system which was more comparable to my use. For three years I have paid on the lease without complaint as I did sign the lease and it is a legal agreement between two parties. In XXXX of this year, XXXX I began to see an additional {$30.00} a month being deducted and approached the U.S. Bank sales department, whom I had signed through, for information as to why it was being deducted. Elevon agents initially would not return my calls. When I was referred to an agent who was willing to work the case she did not know what the charges were for, but believed they were for XXXX non-compliance, which in my original contract provision that compliance testing was assumed by U.S. Bancorp/Elevon as an incentive to get me to purchase the lease. In my behalf, the agent contacted XXXX XXXX, XXXX. Regional Director of U.S. Bank payment XXXX/Elevon and in a return call relayed to me that she thought XXXX was going to end the lease since it had never been used, but she did not think that the incorrectly removed funds were earmarked for return. This was in XXXX, XXXX. The next monthly billing I noticed that the fees accumulated. I sent an email to XXXX indicating that the funds should be returned to my account. In XXXX, XXXX sent a return email claiming that it was a XXXX and not an Elevon issue. XXXX is a division of Elevon. On XXXX XXXX, XXXX I contacted XXXX who told me that the lease for my business was current and that excessive fees were from Elevon and not XXXX. Both are divisions of U.S. Bancorp. I was connected to Elevon through the XXXX switchboard so that I would not be put on hold. The Elevon agent said the increased fees were indeed for XXXX non-compliance and whereas the first three years the compliance was through XXXX, now it was through XXXX. I contacted XXXX who told me that they did manage my account, but that it had been closed in XXXX ( about the time that U.S. Bank rep told me it had ). I could not access the site or update compliance even if I wanted to. The XXXX agent referred me back to Elevon who sent me an email indicating I would continue to be charged ( even though the account was closed months ago ). The Elevon agent then referred me to XXXX who I was told by an earlier agent no longer handled the account. It appears that this is U.S. Bancorp 's version of " XXXX XXXX XXXX ''. Although an attempt by all divisions is being made to waive jurisdiction, U.S. Bancorp would be " estopped '' in a court venue from doing so under the doctrine of Reliance-based estoppels. Rather than proceeding in another direction at this time I asking for your assistance in this issue. [ Note : my current bank statement shows that Elevon credited back {$150.00} to my account with no explanation or itemization as to what it was for while at the same time they charged me {$47.00} in new fees. I am at a total loss for an explanation. | ||||||
| 03/17/2023 | Yes |
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| We are writing to file a complaint against U.S. Bank Mortgage regarding our 1st and 2nd mortgages secured by our personal residence. After promising to provide a modification/refinance solution during the Covid forbearance period, U.S. Bank is refusing to modify/refinance our 2nd mortgage post forbearance. in XXXX of XXXX, we placed our 1st and 2nd mortgages, both with U.S. Bank, on forbearance due to Covid. Before we submitted the forbearance application, we asked what would happen after they were removed from forbearance and we were informed that the loans would be modified and might even include a reduction of principal ( if our income was lower at the time of forbearance resolution ). I was subsequently assured of this multiple times throughout the forbearance period. In XXXX of XXXX, we applied, at our local U.S. Bank branch, for a refinance that would combine the 1st and 2nd mortgages into a single mortgage at the current interest rate, which was 2.75 %. In XXXX of XXXX, we were denied the refinance that would combine the two mortgages, so we filed a case with CFPB. In a letter from U.S. Bank dated XX/XX/XXXX, and in response to the XXXX case, we were informed that the XXXX XXXX would not allow the mortgages to be refinanced while they are in forbearance and that U.S. Bank would work to resolve our situation after the mortgages were no longer on forbearance. We took this to mean that they would modify/refinance after the forbearance period ended as was confirmed verbally over the phone. On XX/XX/XXXX, we received a letter that appeared to confirm in writing what we had been hearing verbally about an eventual modification/refinance post forbearance. In Late XXXX, our income was improving such that we requested our mortgages be removed from forbearance. We submitted " loss mitigation '' applications at that time and we complied with all requests for information for both mortgages. On XX/XX/XXXX of XXXX, our 1st mortgage was approved for a modification which resulted in a much lower int rate ( 2.875 % ) and much lower payment ( 40-year amortization ). We were satisfied with this resolution and looked forward to hearing about our 2nd mortgage. On XX/XX/XXXX, we received notification that our 2nd would NOT be modified or refinanced AT ALL and that our only option was a " short sale ''. We were shocked because expected a loan modification/refinance that would be similar to our 1st mortgage. After 14 months of actively working to end the forbearance ( and US Bank dragging their feet the whole time ), we learned that there is no nothing U.S. Bank could do but a " short sale ''. This is extremely disappointing as very early on we acted in good faith to proactively resolve the forbearance with a refinance that would have resulted in a combined mortgage at 2.75 % int. and a 30-year amortization, but were denied. During the process, we complied in a timely manner with all application forms and information requests. Our financial situation has improved and is now better than it was when our first mortgage was modified, so there is no reason they should treat the 2nd mortgage any differently than the 1st mortgage. We believe we are owed the modification we were promised. We request your help to ensure that we receive what we were promised. Thank you for your assistance with this matter. | ||||||
| 02/18/2022 | Yes |
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| I contacted Reliacard XXXX in XXXX of XXXX, to inform them that I was a victim of identity theft and that I just found out because my SNAP benefits had been cancelled because I was getting accused of fraud. I asked the associate to stop my XXXX benefits and that I wanted to start a dispute about the transactions on XX/XX/XXXX {$1400.00} & XX/XX/XXXX {$1600.00}. She said she needed to confirm a few things, then she returned to our call almost accusing me of lying and asking me why I hadn't called sooner. She was very rude and ended up not doing anything that I asked her to do, but she had told me that everything had been taken care of and she was mailing me forms to be filled out for my dispute but noted it on my account. I waited for 3 weeks before I called back, I asked about the forms that were mailed to me and he informed me that because of the coronavirus mail and everything else was going very slow but to be patient and we hung up. I called weekly after that because the forms never were mailed because there isn't any forms they could've started my dispute over the phone! And, they never stopped the benefit checks! One of the times I called, they didn't allow me access to my account because according to them I couldn't confirm my identity, unbelievable. I called back a few weeks later and I was allowed access, I asked why I was not allowed last time and she had no idea what I was talking about. So, I explained to her from the beginning when I first called and what I wanted and what the first associate told me. She ended up transferring me, i had to explain to the same story again, she said she needed to look in to some things and she would call me back. She never did. And they never stopped sending my benefit checks to whoever they sent them to! I have been trying to dispute the following unauthorized transactions ; XX/XX/XXXX {$1400.00} XXXX XXXX, XXXX {$1600.00} XX/XX/XXXX {$410.00} XXXX XXXX, XXXX {$1300.00} XXXX XXXX, XXXX {$270.00} XXXX XXXX, XXXX {$910.00} XXXX XXXX, XXXX {$370.00} XXXX XXXX, XXXX {$370.00} XXXX XXXX, XXXX {$370.00} XXXX XXXX, XXXX {$410.00} XXXX XXXX, XXXX {$410.00} XXXX XXXX, XXXX {$410.00} XXXX XXXX, XXXX {$410.00} XXXX XXXX, XXXX {$370.00} XXXX XXXX, XXXX {$910.00}. Also, in XXXX of XXXX on my same account there was a deposit made of {$2700.00}. Again, Reliacard allowed someone to steal {$2000.00} the max amount that can be taken of my account! I again called to dispute that transaction and won because they obviously found some proof that I wasn't lying and that they made the mistake. They refunded that {$2000.00} to me, so why doesn't refund my previous transactions listed above? Because I didn't submit a dispute in time? Or more likely, one was never submitted!?? I called and tried to do what I needed to do. And, I understand that they were extremely busy because of the coronavirus. But, truly and honestly they owe me that money. And, XXXX way that I know that this could be fixed is by listening to our recorded phones. Reliacard claims to record every phone call, I pray that they do and they also claim to reimburse the disputed amount of money if their investigation is not complete in 10 days. I hope they hold true to what they say. I am enclosing proof of my identity theft along with the detectives name and phone number, police report & various documents. Thank you | ||||||
| 08/30/2022 | Yes |
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Web | Older American |
| Since last year, US Bank has been running a credit card due date payment scam. Last year -- I'm not sure exactly when -- US Bank rolled their separate online Visa credit card payment module into their Bill Pay one, without taking into account that the latter doesn't allow users to post payments on weekends or holidays, even when the statement due date falls on one of those days. Hence, for the past year or more, US Bank has been forcing credit card customers to pay up to at least three days early or pay late and get charged a fee and interest. They made the change without any notification to cardholders or with a workaround. I notified them of this, including their Office of the President, in Fall XXXX, but they blew it off without investigation, although I had provided enough information for them to do so. In the meantime, sometime around the turn of the year, I called their Customer Service and asked specifically what would happen if my Statement due date fell on a weekend or holiday and I set up payment for the next business day. After consulting with someone, I assumed a supervisor, the rep returned to say that the payment wouldn't be considered late. That turned out not to be true. I made an {$8.00} purchase on XXXX this past XXXX using my US Bank Visa card and subsequently discovered that the Statement due date, XX/XX/XXXX, fell on a Saturday. On XX/XX/XXXX, I set up a payment for the next business day after the weekend, XX/XX/XXXX. As a result, the payment was considered late, with an {$8.00} fee and {$1.00} interest. On this basis, I wrote their Customer Service explaining and asking why. When I received a perfunctory response, I asked that the matter be escalated to the Bank 's Office of the President. I have since been contacted by XXXX of the Office of the President, and spoken with XXXX ( XXXX hour customer support ) and XXXX in IT, the latter opening a case number ( XXXX ), which meant it went to IT Operation Team. In addition, XXXX reversed the late payment charges ; XXXX sent me the Bank 's online Digital Explorer demo entitled " Pay Your US Bank Account Bill, '' which affirmed what I claimed. Through this process, everyone claimed to be unaware of the change to the US Bank 's site and its repercussions, except for XXXX ' supervisor. The Operations Team emailed me a day or two later with another perfunctory, irrelevant reply about unplugging my modem, checking software, etc. To that, I reexplained the issue and offered screenshots to back it up. Only then, did I get a request to see the latter, although at every step of the way I had offered them but been refused ( neither XXXX or IT were able to view my computer remotely because the " Cobrowse '' link on their site did not respond with any browser I tried ( XXXX XXXX XXXXXXXX -- XXXX XXXX ). I've attached the screenshots to this complaint. That's where it currently stands. The three screenshots are as follows : 1 ) US Bank Visa XX/XX/XXXX due date blanked out when I went to pay on XX/XX/XXXX 2 ) US Bank Visa XX/XX/XXXX due date with popup showing weekends & holiday blanked, so you can see XXXX XXXX is greyed out 3 ) The example taken from the US Bank 's own Digital Explorer tutorial, " Pay Your US Bank Account Bill '' demo, showing weekend days greyed out 4 ) US Bank Visa XX/XX/XXXX late fee & interest [ since reversed ] | ||||||
| 04/25/2017 | Yes |
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| Up to last year, I never incurred monthly fees for having a checking account until I started routing my direct business deposits to another bank. Just before making the switch, I discovered a branch employee accessing my account regularly and often without my authorization while sometimes making money transfers from one account to another. The first time it happened, I requested a counter check to draw on a specified account, but unfortunately the check was linked to an account that I keep only for online purchases. The funds were debited thus triggering an overdraft which the bank paid at my expense. To cover the overdraft, a branch employees perhaps the manager accessed my account and transferred funds from my primary checking to the secondary account. If the check was linked to the right account firstly as requested, I 'd not have had to pay the fees incurred by the bank. Despite my many attempts to reverse the fees, to no avail, the branch manager flat our refused me stating it wa s n't a bank error, though clearly it was. A few months later, I spoke with a customer representative by phone requesting the secondary account be closed immediately, but again to no avail. It took several weeks of calling both the branch and USBank directly before they closed the account. Meanwhile I was still being billed monthly at {$8.00}. Even after the account was closed, I discovered money transfers being made to the secondary account from my primary. Evidently the bran ch manager credited my account twice thinking it was the monthly fees being returned to me, I was grateful, but soon discovered it was a bank 's error and not a courtesy credit. While on the phone with the branch manager, I was told of a recent depos it which he could have only knew through trolling my primary account. I had n't even given my account number just my name. A supervisor told me that all bank employees have the right to access my account anytime without my prior approval. That means thousands of bank employees have full access to my account to do whatever they want to include making money transfers whenever they want. It 's like having a big brother looking over one 's shoulder, absolutely no privacy nor a safe banking experience ca n be had when others control my funds. To add insult to injury, that is despite paying monthly fees for two account for nearly a year, I find the bank 's ATM 's to be outdated and often out of service while providing not a drive through for convenienc y. Furthermore, calling USBank Cust omer Service regardless of the time/day or issue, I have had to wait many many many many times for nearly an hour to speak with an agent. How about they call me back when it 's my turn so I 'm not holding. In this way, l can actually do some work as I do n't get paid for my time. Lastly I find the turnover at my local branch to be like a revolving door. It 's nice to be greeted and on a first name basis with the bank clerk only to discover in a few months he/she will be gone. Relationships are all to important, more specifically when a situation arises where someone familiar with my banking needs can help resolve most problems with either a phone call or quick office visit ; ideally this alone is a deal breaker which is why I do my business banking with another banking institution altogether. | ||||||
| 11/02/2022 | Yes |
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| Hi, I have a Checking account at US Bank. I logged into my account online XXXX. The account looked fine. Two sperate {$1000.00} deposits reached my account. I tried to login XXXX and couldn't. I figured it was a technical issue and tried on XXXX. Still couldn't login. On Monday XXXX I called US Bank customer support, after being transferred and talking to 4 different reps who did have any answers. I found US bank fraud department # and talked to a rep there. The rep did some digging and said one of transfers was sent back to sender and my account was locked and they will close my account and send me a check in the mail. I inquired what was the issue. According to the rep because one of the {$1000.00} deposits came from XXXX and person 's name wasn't listed on my account they sent back the funds and closed my account. I explained that I know the person that sent the money. They rep said how did they get your checking account info. I said, I gave it to them. I didn't have an issue with receiving from some ones XXXX in my XXXX XXXX account. The rep said at US Bank that kind of transfer isn't allowed. I said Ok, when will I have access to my money. The rep said since the account is in the process of closing I will receive a check in the mail. I asked when exactly, rep said likely within 2 weeks. I said fine, and waited for my money to show up. On XXXX I went to a local branch. Explained my situation. Was given the same customer service # to call. After talking to many different reps over the course of an hour. One rep was helpful and kept me on the line as she reached out to dept after dept until she was told that the issue hasn't been worked on but now it will because of my inquiry. She told me the fraud dept will contact me 24 to 48 hours with a decision. The rep said my account might be opened back up. I explained, after all that has went on I just want my money, have no interest in keeping the account. I waited for the return call... I received no call, email or XXXX mail from US Bank. I did receive a automated email survey about my customer experience. I DID complete the survey. Lol I called the fraud department again on XXXX I was transferred to a electronic or mobile fraud dept. The rep there said he has no new information to tell me and the department people making the decision can't be reached by me so I can't be transferred over. He also said since the account is in the " closing process '' I will get a check in the mail. I asked about an XXXX for my funds. He claimed he had no info, could be 4 weeks. I said its going on 4 weeks now. He repeated there was no information to tell me. Its been more than a month since sent money to my account at US bank. One transfer a friend sent {$1000.00} from their XXXX account the other {$1000.00} transfer I sent from one of my checking accounts. So now I'm reaching out to CFPB for some assistance and guidance. Btw. I do have audio recordings of all my calls with US Bank. One observation. I went to my local US Bank branch 3 times. The first 2 times the lobby was closed during business hours. As I went to open the door I was waved away by security. The day I was able to go in I asked the security guard why the lobby was closed 2 previous times. He said a former customer lashed out at the employees... Thank you for your time. | ||||||
| 12/26/2022 | Yes |
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| I, the consumer and natural person, was denied credit by your financial institution when I applied for a credit limit extension. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC.169l ( c ) and is pursuant to civil liability under 15 USC. 1692k. I have proof that I was discriminated against by your financial institution due to the response I received. Your financial institution is in violation of 15 US. Code 1642, US. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your financial institution. The actions taken by your institution is impairing the efficiency of the banking system because you are not vested in insuring the accuracy of credit consumer reports. Causing me to lose confidence in the banking system. I am a federally protected consumer and under USC 1692 ( n ) therefore none of your policies or state laws supersede Federal laws. Under USC 1681 ( e ) your company has a duty to assure the maximum possible accuracy. I have found your financial institution has been assuming a vital role in furnishing deceptive forms which is a violation under USC 1692 ( j ). Which have caused years of damage to my and my familys well being. Since You have never provided me with validation of debt or damages ; which is a violation under USC1692g. Your institution knowingly reported personal credit information that was false ; which is another violation under USC 1692 ( e ) 10. I didnt receive any separate disclosure statements of my rights written clearly and conspicuously ; which violates USC 1637 ( b ). Misrepresenting your financial institution as a debt collector since I the original creditor never provided you with written or oral permission to do so violating my rights protected by USC 1681 ( B ) ( 2 ) Your institutions neglectful, abusive, unfair, false and misleading debt collection practices are in violation of USC 1692 ( a ). You must respect my right to privacy under USC 1681 ( a ) ( 4 ) which you have willingly been non compliant to violating my right to privacy as a federally protected consumer. You have used profane language towards myself, the consumer in your statements causing emotional stress and unwarranted pressure. You are subject to criminal liability for violating USC 1692 ( k ). I have also suffered greatly due to your misleading practices and have thought less of who I am because of it and have acted accordingly. I have yet to be able to move out of my parents home for 17 years, I havent even been able to secure any vehicles, modes for transportation besides a bicycle due to the inaccurate reporting your Institution has willfully furnished and shared to other credit bureaus, damaging my consumer report is also in violation of my consumer rights and have caused defamation of my character, my familys character and that of my followers clear violations under USC1692 ( k ). The actions taken by your financial institution involve racketeering through the means of extortion with your harassing and pressuring myself, the consumer, to pay alleged debts. | ||||||
| 12/01/2017 | Yes |
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| US Bank closed my account erroneously and will not escalate my issue to the decision makers that incorrectly decided that I violated their T & Cs. They are also denying my request to redeem my rightfully earned points as a statement credit so that I can pay off the balance on this account and move on to a bank that appreciates my business. I have been a US Bank customer since XXXX/XXXX/XXXX. I opened my first US Bank credit card on XXXX/XXXX/XXXX and was recently invited to apply for the US Bank Altitude Reserve VISA credit card which was approved on XXXX/XXXX/XXXX. I was trying to book a hotel today ( XXXX/XXXX/XXXX ) when my card was declined. I called customer service to find out what was going on and was told that I needed to talk to XXXX ( Sp? ) in investigations. I left a message for her and she called me back promptly to inform me that the bank decided to close my account due to a breach of their T & Cs ( Cardholder Agreement ). I have nearly 20 years of credit experience across over 20 accounts and have never had an account closed by a bank so obviously I was shocked. I asked specifically what was the breach and she pointed to Page 6 of 10, section ( a ), paragraph 5 that states the account can be closed for " excessive or patterned purchases of cash equivalent instruments, such as gift cards, rewards cards, and other prepaid cards. '' She stated that there was a " couple '' XXXX Pay gift cards on my account. Being confused I asked how in the world a few purchases of gifts around XXXX time can be misconstrued as " excessive '' or even " patterned. '' This was the purchase of less than {$150.00} of gifts over a month period ( i.e. 2x {$40.00} GCs for XXXX XXXX XXXX XXXX and 1x {$63.00} GC for XXXX ). There is no way that can be considered " excessive ''. Also the fact that these are gift cards that can only be used as those specific stores for goods and merchandise, it should be in line with the T & Cs which states " this Account is intended to be used for the purchase of various products and services for personal, family, and household purposes ''. These gift cards obviously fit this bill. They are for products and services and are usually placed at the check out line of grocery stores because it is easy to pick them up as a gifts for individuals so they can purchase other products and services from specific retailers! If a single purchase of such a merchandise is considered " excessive '' and a problem, US Bank should have denied the charge and I could have used any one of my other accounts to fulfill the order. Obviously, it was NOT. These purchases were only 2 % of nearly {$7000.00} of daily purchases that was made that month. This in no way or form constitute " excessive or patterned '' behavior. I am aware that it is US Bank 's decision whether to close an account for whatever reason so at this point I just want the nearly XXXX points that was earned during that month to be applied as a {$640.00} statement credit so I can repay the balance of the account and move all my business back to XXXX XXXX! It is unfair to falsely close an account and then hold all cash rewards for ransom. This behavior can be abused by US Bank to avoid paying out rewards for what ever reason. Please help me to resolve this matter as my attempts to resolve directly with US Bank has fallen on deaf ears. | ||||||
| 06/24/2023 | Yes |
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| My husband and I were cold called by XXXX XXXX XXXX, a group that pretends to be an advertising/marketing company in XX/XX/2023. That are in fact a telemarketing scam operation out of XXXX, Oregon. XXXX was selling fake advertising space in for a nonexistent homework folder that was to be issued to students at XXXX XXXX XXXX XXXX in XXXX XXXX. My husband is a XXXX XXXX XXXX so we commonly advertise within the community. XXXX also claimed a portion of the sales would benefit the school. XXXX took our credit card information by phone. XXXX sent a confirmation email containing an invoice with very small print containing some terms and conditions. These terms and conditions were never discussed at the time of payment and even contradict what was orally discussed on the phone when payment was taken. XXXX waited for this email to be received and opened before actually charging our credit card. After not receiving a request for our logo and art for the ad, my husband requested a refund XXXX week after the payment. The company was not responsive. I had later called XXXX in XX/XX/2023 and spoke with them on the phone. We again requested a refund. XXXX stated they can only refund by check and will be keeping a {$100.00} fee. Frustrated, we agreed but the check was never received. After many, many calls and emails to XXXX, we began to research XXXX online to find numerous negative reviews on XXXX and XXXX in XX/XX/2023. Realizing this was a scam, I called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who confirmed they do not work with XXXX and there was no homework folder being produced for their students. I have reported XXXX to the XXXX XXXX XXXX XXXX Department and notified the XXXX XXXX PD and police departments in XXXX, XXXX and XXXX, Oregon. I have filed reports with the FTC, FBI, DOJ for California and Oregon and XXXX. We also contacted our credit card company, XXXX and XXXX to report fraud and file a dispute. I provided them with all of the above information in addition to a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that XXXX is not an authorized vendor of XXXX nor given authorization to contact members of the school community for sales. I provided all email correspondence and case numbers for all police reports, FTC, FBI DOJ and XXXX cases. I also provided them with pages of negative reviews from XXXX 's XXXX and XXXX pages. I clearly showed evidence that XXXX misrepresented the school and had no ability to provide us with a good or service. I documented their pattern of deceptive business practices. We were not provided with terms and conditions before payment information was taken. And we made repeated efforts to resolve the issue with XXXX but they are unresponsive. Yet somehow, XXXX & XXXX credit card company has resolved the " dispute '' ( it is actually fraud ) in favor of the scammers. I even asked the case processor about the decision and he said he didn't even read my statement!! I am absolutely dumbfounded by the handling of my case by XXXX & XXXX Credit Card. Unfortunately law enforcement is not prioritizing my case and I have been told that more reports to the FTC will need to be made before they would take action. I feel no one is protecting the public from these malicious predatory scammers. Even my own bank will not protect me. Please help!! | ||||||
| 10/14/2016 | Yes |
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| I closed on my house XXXX XXXX, 2016. XXXX. was my mortgage lender, and my first payment was due on XXXX XXXX. My original principal amount was {$190000.00}. I made my XXXX payment on XXXX XXXX and my XXXX payment on XXXX XXXX. Those payments, along with the extra I paid towards principal, brought the principal balance to {$190000.00} and my escrow balance to {$2700.00}. I received a notice stating that my loan was to transfer to US Bank on XXXX XXXX. According to my final statement from XXXX, dated XXXX XXXX ( also found in my account from XXXX online portal ), my outstanding principal transferred over with a balance of {$190000.00} and my escrow balance transferred at {$2700.00}. US Bank claims the outstanding principal balance transferred at {$190000.00} and the escrow balance transferred at {$2400.00}. Obviously, US Bank has miscalculated the balances on my account. I contacted a US Bank representative about the mistake and they told me the amount was correct and that if I did n't agree, I needed to contact XXXX. When I contacted XXXX, they agreed that the information US Bank is reflecting is incorrect. I asked XXXX to contact US Bank to work the problem out. After giving them adequate time to do so, and still no resolution, I began calling both lenders several times trying to get the problem resolved. I spoke to a representative from XXXX who told me that they did contact US Bank and did confirm that the balances transferred at the amounts that I am claiming. On XXXX XXXX, I received a letter from US Bank as a result of one of the investigations they had opened in response to my many complaints. The response only contained a copy of the letter that I had already received from XXXX about the loan transfer, along with a purchase schedule between US Bank and XXXX. This purchase schedule is supposed to show the original loan balance, interest rate, escrow balance and the current unpaid principal balance and show the amount transferred between US Bank and XXXX along with all the fees that applied. However, the purchase schedule only contained the loans ORIGINAL loan balance of {$190000.00}, the interest rate and what would have been the escrow balance as of XXXX XXXX, which was before my final payment to XXXX on XXXX XXXX. US Bank eventually asked me to fax them proof of my claim, so I sent copies of my online account activity on XXXX XXXX. On XXXX XXXX, I called to confirm receipt of the fax and to see if any additional information was required. I was then told they needed me to fax them all of my mortgage statements from XXXX, which I did the same day. A few days later, I talked to a US Bank representative named XXXX who agreed with me that there was clearly an error. She said she thought she could have the issue resolved in about a week, but that she needed my bank statements as proof of my payments to XXXX. I had already sent my mortgage statements, but those were not proof enough. I faxed the information, and waited about a week, then called back when I did n't hear anything. I called several times, always being told a new inquiry would be opened because the previous inquiries were marked as resolved. There has been no real effort to resolve this situation. I have included all of my faxes, statements and other correspondence that clearly show that an error has been made with my account. | ||||||
| 09/19/2023 | Yes |
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| I opened a savings account with State Farm insurance to take advantage of a high interest savings account they had. Some time after US bank purchased these accounts. Us bank then sends a notice that they will start charging a fee for these accounts, when I called the agent confirmed that this notice didnt apply to me. Randomly i would get charged a {$10.00} maintenance fee and i would call and they would remove it. I do not use this account so do not check every month. I check in XXXX and saw 5 months of maintenance fees ( XXXX, XXXX, XXXX, XXXX, XXXX ) were charged, I called In XXXX and she said she would waive them and apologized, which is what was always done. Every time i called they did their research and came back to inform me that they dont know why I was charged a fee and they apologized and refunded me. Well the agent only waived 3 months worth of fees, not the 5 months that was due to me. I attempted to move the funds out but they only allow you to move XXXX at a time and i can only take out {$200.00} at a time from the ATM. I checked the account this month and i have a fee again for XXXX. I called to have it waived and the agent XXXX told me she can only go back a certain number of days and could only refund me the one month that basically im not getting my money back. We are going back and forth and finally i get to a manager- XXXX . XXXX was rude the minute she joined the call and told me that the initial letter I received said i would be charged and that i was only given a grace period, I asked for proof that the letter stated this for which she said she had to do research. I asked her to review all of my call notes to show that each and every agent verified that i wasn't suppose to be charged a fee hence why they would waive it every time i called, she said she wasn't doing that. She said that my fee waiver is a courtesy and that i should just change my account. I then asked her why none of the agent suggested for me to change my account if i want to avoid the fee, she said she didn't know. I asked why wasn't a notice sent to me to notify me that my supposed grace period was up and that i would be charged a fee going forward to which she said, that the original letter sent years ago was suffice. i requested all my maintenance fees to be returned to me to which she said NO. She continued to just cut me off and I told her that she is being rude and cutting me off and that we should be respectful I told her to let me finish speaking and then she can go, we can take turns, why I need to tell a supervisor on a customer support line this basic human decency is another issue. She was not helpful to which i just closed my account. I would like to report there unethical practices of charging customers maintenance fees without any notification, they have no proof that i was ever notified of any maintenance fees to my account and refused to refund me. Since my account is closed I can not access my account to see all of my previous statements but i have some statements from earlier this year. I want to also state that i receive everything from them electronically, since the initial letter and I had no notices on my online portal from them, XXXX did confirm that I was not notified outside of the original notice which each agent confirmed did not apply to me and was sent to all customers. | ||||||
| 12/04/2020 | Yes |
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| I JUST WANTED TO SUMBIT ANOTHER COMPLAIN TO ADD XXXX DOCUMENT THEY EMAILED ME LATER ON AFTER THE INCIDENT. On XX/XX/XXXX Wednesday, an unauthorized payment for {$22.00} was posted to my account from an unknown bill collector described as XXXX Mktp Us XXXX, linked to a fake XXXX page. After conducting some online banking on my account with USBank today, I noticed the transaction. Afterwards, I immediately called a local bank branch located in XXXX XXXX, MN and spoke with a bank teller named XXXX, on the first call, and he told me to call XXXX to verify the transaction before he cancel my debit card, so I did. On the second attempt, I called the XXXX number fraud department to report the incident as well and they said that they will cancel my debit card, and mail me out another one within ten days, and send me a letter to sign to verify the fraudulent transaction on the account. The fraud department then mentioned to me that I should get in touch with a branch in here in XXXX, XXXX in order to receive a temporary debit card, and that he will check to see if any drive thru branches are open in my area, because every branch in XXXX, XXXX is closed to the public both temporary and permanently. ATMS are even being removed from many local USBank local retailer branches throughout XXXX, XXXX, and there is almost no way for me to get to my money and my account in order to resolve issues like this, because XXXX, XXXX is making that impossible as much as possible, and the XXXX number isn't very happy about it. I then told the fraud department told that I had no car to drive up to the window, and I am looking to be rejected services at a drive up window, so they said that they will cancel my debit card and send me another one. So once the call was discontinued with the fraud department, I then called the number back to verify if my debit card was canceled and it wasn't. My pin number to my debit card was changed without my authorization or consent as well, and when I mentioned it to the bank, I didn't get an accurate response. I even called XXXX about the transaction just to find out that they could not even trace the transaction and that the transaction number did not even match their transaction numbers. In conclusion, I've had other problems with USBank giving me ripped up XXXX dollar bills from its ATM machine in isolated ATM areas at back in XXXX of this year, and they had then denied it and refused to replace my XXXX dollar with a accurate one, because I could not use the XXXX dollar bill. The machine gives out all twenties in big deposits, I knew then something was about to be ripped off, after the machine gave me XXXX XXXX dollar bills from its ATM. I was able to get use the bill, but it took a very long time to do so, and lots of floating around. I've been a customer with USBank since XXXX, for eight years, and this the thanks I get. I was even denied a credit card after being a loyal customer for over a half a decade on several occasions, even after establishing credit through them. The value of USBank is going down, and I am reaching out for assistance with the bank. I am starting to have really big problems out of USBank with racial profiling, and I am reaching out for help. I want be with the bank too much longer. It can get pretty complicated moving my deposits around from bank to bank. | ||||||
| 09/06/2022 | Yes |
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| I received a phone call from US Bank - XXXX, stating that they have identified some type of fraud on my account. The lady whom I spoke to XXXX, asked me to provide sensitive information through the phone to confirm my identity. I did, prompted that the caller ID showed up as US Bank, and the lady had information regarding my account. While speaking to XXXX, she told me that there was a different phone number listed as the primary phone number on my account, XXXX, after asking me if that phone number belonged to me, I stated no, and then she proceeded to run transactions by me. All of which I stated were not me. US Bank proceeded to call me on the XXXX of the month. Telling me they are building a case, and have located who exactly was conducting fraud on my account. They then told me that they would provide me a synapsis of my fraud case via email, and that the money would be refunded to me. That following saturday, XXXX, I went into the XXXX XXXX Location in XXXX WA XXXX and met with XXXX XXXX a banker to check my balance. I then found out there was close to XXXX missing from my balance. Once XXXX told me there was this much money missing, I told him that cant be and that the bank has been calling me for a week explaining what is going on. He called over to the fraud department and there was no history of any fraud reporting whatsoever on my account. XXXX helped me file an actual fraud claim on my account, and told me I would be getting a phone call to go over what exactly happened. I received a call from US Bank, on the XXXX telling me that they are removing the fraudulent phone number, XXXX, and that my claim was being processed for approval, given they have had multiple similar claims since XXXX of 2022. I was relieved. However, XXXX, I receive a call from a lady name XXXX, who told me that my claim had been declined, because the purchases that were made totaling close to XXXX, were approved via Text Message. I tried telling her that I hadnt approved anything, and that there was a different phone number listed on my account. However she dismissed me, telling me to send a letter to their XXXX XXXX with a complaint. I went back into US Bank XXXX to speak with the manager at the XXXX XXXX XXXX, and she called over to the Fraud department with me. She told them what was going on, and that I had a different phone number listed, and they told her they would look back into the fraud claim. Today, XXXX I received a call back from XXXX, XXXX, asking me why I requested to speak to her again, because on their end the transactions were approved via text. But they are failing to realize, it was not my phone number that was listed on the account in the first place. I never even conducted online transaction verification until XXXX when XXXX told me it was a good way to track what was going in and out of my accounts. I am a semi truck driver, my wife is a cook. We are both in our XXXX 's and have been clients of US Bank for decades. If you look at our account history, we have never spent that much money in a period of 3 days, nor have we ever invested money online. We dont believe we are being heard out by the fraud department at US Bank XXXX We have records of text messages, call logs, and notes that I took when on the phone with them, but they are still declining to refund us our hard-earned money | ||||||
| 09/27/2022 | Yes |
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| 105 days ago, on XX/XX/2022, my XXXX and ID were stolen. I was concerned that the thieves would be able to access my U.S. Bank account on my phone. When I tried to log on to my U.S. Bank online account from my computer to check for fraudulent activity, I discovered my account had been hacked, and my password and contact information had been changed. Since I didnt have my XXXX for two-factor authorization to regain access to my accounts, U.S. Bank froze my online banking access, making it impossible to see exactly what was being withdrawn from or charged on my accounts. On XX/XX/XXXX, I called U.S. Bank to freeze my checking account and credit cards. On XX/XX/XXXX, I made a police report, put a freeze on all 3 credit agencies, then went to my U.S. Bank branch to file a complete fraud report. That's when I discovered that over {$6000.00} had been fraudulently withdrawn from my account via fraudulent " Teller Savings Withdrawals '' at 2 different U.S. Bank branches, multiple ATM withdrawals on the same day in different locations, and unauthorized XXXX transactions to recipients added to my account after my phone was stolen. That day at the branch, I immediately opened a new checking account and transferred my remaining balance for safe-keeping. The branch banker handed me a PDF of debits and charges on my ( now-closed ) checking account and credit cards. I was shocked to see how many transactions U.S. Bank had allowed to go through, even though the fraud was obvious. I highlighted each fraudulent transaction on the PDF, and they filed the report with their fraud department. I filled out a separate paper form to report fraudulent Teller Withdrawals, and the branch faxed it to their fraud department - however, in mid-XXXX, on one of my many calls to U.S. Banks Fraud Liaison Center, I was told that my fraud claim wasnt proceeding because one page of this paper claim form faxed by the branch was missing. I immediately went to the branch and had them re-fax the entire report. On XX/XX/XXXX, I called U.S. Banks Fraud Liaison Center to make sure all of the fraudulent transactions had been reported by the branch banker. At the recommendation of an XXXX XXXX, I also filed a security freeze with XXXX for all bank and personal data. I combed through my XXXX account and discovered a fraudulent account had been opened with XXXX XXXX and a new XXXX XXXX had been opened in my name. My XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX accounts had been hacked. I made phone calls to all banks, credit, and cash card companies to report and cancel these fraudulent accounts and reported the fraudulent accounts to all three credit agencies. From XXXX XXXX XXXX XXXX, I called U.S. Banks Fraud Liaison Center 23 times for a total of 321 minutes and made 7 calls for a total of 107 minutes to other U.S. Bank customer service numbers to find out the status of my fraud claim ( I have cellphone records to prove this ). In total to day, I have made 39 calls, talked to bank representatives for over 8 hours, visited my local branch to file fraud claims multiple times to file and follow up on my claim, and tweeted to U.S. Bank repeatedly regarding the fraud that occurred on my accounts over 100 days ago. To date, the bank has not restored the {$6600.00} in stolen funds or given me an update on why my fraud case is still ongoing. | ||||||
| 06/23/2015 | Yes |
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| In XX/XX/XXXX, I entered into a payment arrangement with US Bank Home Mortgage to bring my mortgage current. The arrangement was a six month arrangement from XX/XX/XXXX to XX/XX/XXXX. The XXXX payment in XXXX was for {$1400.00}. Each of the remaining XXXX payments would be around {$1300.00} and some change. For the XXXX XXXX payments I made the payment amount by the XXXX of the month ( as part of the agreement all payments made by the XXXX of each month ). With my XXXX payment, I contacted a customer service rep on Monday XX/XX/XXXX to let them know that I was out of town and would not be back by the XXXX. I ask if I could make the payment on Friday XXXX XXXX, I was told that I could make the payment on the XXXX of XXXX and the payment plan would still be honored. I informed the customer service rep that I would be making the payment on XX/XX/XXXX. This information was noted in my account notes. I made the payment on XX/XX/XXXX using check number XXXX for the amount of {$1300.00}. On XXXX XXXX I made the XXXX and final payment of the payment arrangement. I noticed that my mortgage account had not been updated for some time. I I called US Bank Home Mortgage today ( XX/XX/XXXX ), I was informed that the bank did not receive my XXXX Payment and that my payment arrangement was cancelled. The also informed me that my XXXX payment was sent back because I did n't have a payment arrangement on file. I informed the bank that the XXXX payment had been made and the payment was taken from my bank account. The bank informed me that they did not show a payment being made ( the last payment applied to my account was for XX/XX/XXXX ). I informed the bank that I had proof of the payment and the date it was made ( as of today my XXXX payment still has n't been applied to may account ). I faxed in a copy of the receipt and the voided check showing the payment I made for XXXX. I was told be the bank customer service rep that they would locate the funds and apply it to my account. I was also told that I would need to set up another payment arrangement before they could accept any money from me. I refused to set up another arrangement. I notified the customer service rep that it was not my fault that the arrangement was cancelled. The arrangement was cancelled because the funds were not applied to my account, they were applied somewhere else ( US Bank policy is that all payment arrangements are cancelled automatically after the XXXX of each month is a payment is n't posted ). I told the rep that I 've held my end of the agreement and did n't think it was fair that I had to start a new agreement. My goal was to bring my account current by XXXX XXXX. This way I can begin to work on improving my credit rating so that i may refinance for a lower rate, any payment plan would delay this process and and cost me more money. So I ask to speak with a supervisor to help me with the bank accepting my payments, I was transferred to a lady with the last name XXXX but she did n't answer so I left a voice message. I called back later today trying to reach another supervisor about this issue. I was placed on hold for about XXXX minutes after speaking with a young man and some how I was transferred to a generic mailbox that ended the call. I was not happy having to wait that long and did n't get a chance to talk with anyone. | ||||||
| 11/09/2023 | Yes |
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| Hi there. Im typing this in hopes to avoid having to cross state lines in order to retrieve funds that US Bank is holding, and making me visit a branch in person to retrieve. In XXXX, I saw that US Bank was running a promotional {$500.00} bonus when you open an account and deposit {$5000.00}. I figured it was a good deal, and decided to open the account. Admittedly, US Bank is not local to me, as I have other bank accounts elsewhere that dont even have physical locations. So fast forward, US Bank sends me a new account funding form to fill out with my external banking information, and sweeps {$3000.00} ( which was the minimum I then planned to transfer {$2000.00} more in order to meet the bonus requirements ) out of said external account and I figure all is well. However, once the {$3000.00} transferred, I then went on US Bank to initiate the remaining {$2000.00} from my external account and BAM. Everything was blocked, jammed, and frozen. So long story short through a TON of frustrating phone calls, I am eventually told US Bank is closing my account. I figure okay well why? It turns out the risk department noticed irregular activity, and my relationship with them is no longer an option. While its the first time this has happened, I figure okay, send me the cashiers check and Ill be on my way I guess. Three months later in XXXX, I receive the final XXXX statement that shows the money was debited out of my account, which I was under the impression the cashiers check was mailed to my house, as thats what every US Bank employee on the phone told me but lo and behold I still have no cashiers check. Push came to shove and its now XXXX, and through my persistence, Ive come to find out that my funds are being safe guarded, because US Bank cant verify the funds in the external account, and are telling me to get in contact with branch employees in order to resolve the matter, which is exactly what I did. In contacting a branch, I provided the necessary documentation to prove everything even with the new account funding form and external bank statement, the whole 9. Furthermore, in banking, if the funds were to be returned from my external account, this process would have already happened within days of the transaction, not 5 months later. Anyway, the branch employee says everything I provided looked good, and she got approval to release the funds, but is still firm stating that I absolutely HAVE to come into the branch to be verified in order for the funds to be released. The problem is that Im not located in US Banks footprint. Im located outside of XXXX, and the nearest US Bank branch is XXXX hours one way in some small town in XXXX, so a XXXX hour round trip drive is what is needed in order for me to recover the funds that US Bank transferred out of my external account and then froze. After doing extensive research, Ive come across similar situations where new customers have sent off red flags like fraud and check kiting ect., but I literally just did two ACH pulls with US Bank to pull funds from my external account. None of my transactions were withdrawals directly from US Bank. This is truly my last attempt, as I am simply seeking US Bank to mail my funds in a cashiers check form instead of me having to complete a XXXX hour round trip, as I have also recently had a XXXX child. | ||||||
| 06/10/2021 | Yes |
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| I opened a new checking account online, but I chose to walk into branch to finish setup. On XX/XX/XXXX, XXXX visit a branch near home to finish setup as I was going to deposit two checks totalling {$220.00}, which would meet tje {$25.00} opening deposit. I was told since it was a Friday it would take until the following Monday for US Bank release the hold since no money was added at the beginning. The Bank Analyst helped me get setup with a temporary card until new one came in 7 to 10 days later. Once the card was in I made several purchases. Unbeknownst to me duplicate charges from a online game I play appeared on accounts on or before Sunday XX/XX/2021. I also received a push notification on my cell phone on Monday XX/XX/XXXX, so I placed a call to US Bank to dispute the charges. The agent was very nice and helped me file a dispute. She said the charges will remain so your account will look weird until after the investigation of the charges. I said OK. Next day on XX/XX/2021 I received a voicemail from an XXXX on behalf of US Bank as she wanted to ask about recent transactions on account, which I thought was odd cause there were no red flags and all my purchases were OK except for the duplicates in question. On XX/XX/2021 I called the phone number and since she didn't answer I hit XXXX as she mentioned in her voicemail to any Analyst. The Analyst that took my call asked me the usual identify stuff to prove it's me, then she said could she put me on a brief hold and I said sure. I was on hold a total of 5 minutes, and when she returned she asked about some incoming XXXX. I told yes I have family and friends sending me funds until I get back on track due to the pandemic, and I am also awaiting my tax refund to deposited when she told me someone successfully tried and accessed my account out the country and they were going to close the account cause I violated the terms and conditions by willing giving out my username and password. I indicated to the Analyst that at no point have I in anyway freely given out that information. That is something I would never in my life do. I told her I just finished talking to someone yesterday about duplicate charge dispute. She said you have a dispute too already this early in the account. I said yes, and explained that I have an old phone that sometimes freeze in during a transaction, so it will process not once, but twice without me knowing it. I can not replace my cell phone that is three yes old til my contract needs in XXXX. She said in her opinion including the notes she would put in the system that the account should be closed before or after the investigation is complete. I said why cause I did cause a risk to my account by violating the terms of the bank by giving out my username/password information to anyone. Also I can not help having a dispute so early, but I have stop using my cell for purchases until I get a new phone, so it will never happen again. She suggested I call the branch I went to see what could be done. I called them immediately after and explained the situation in detail including the dispute, pending XXXX, and tax refund being deposited. She told me they couldn't transfer me to a new account until after investigation, but any deposit would continue to be accepted until dispute & fraud investigation was done. | ||||||
| 10/26/2015 | Yes |
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| I am being harassed on a daily and more frequent basis arising from a malicious fraudulent adjustment to my closed business checking account at US Bank by a XXXX XXXX XXXX 3 weeks after the check had cleared the maker 's bank, once, only to US Bank, for what continues to be a never ending geyser of finding one method after another to keep it up with one hugely inflammatory falsification after another ever since, not one of which were they ever willing to substantiate. It appears they have reversed the whole thing without stating they were in the wrong to CFPB but not to anybody else like XXXX, and are continuing to send me further wild inflammatory retaliation and harassment that continues to falsify hugely inflammatory fraud for the continual purpose of public embarassment and reputation destruction and worse, including their claims to other third persons like XXXX that I owe them money for " bouncing checks '' that did n't bounce. As such, Us Bank as originally finally filed has to this date refused to comply with the Cease and Desist about this debt, even when it replied to CFPB pretending " it never did things like this '' and overnight-ed me a copy of the letter while continuing to send me harassment and third persons about this " debt '' raging about getting payment. I have in the last 2 business days been sent more wildly inflammatory fraud this time on plain paper but as certified Us mail from their offices from US Bank under the law, while XXXX XXXX of US Bank who sent it claims they are " not really from us '' other than to 3rd persons like XXXX and CFPB the first time. I have pursued the Cease and Desist to no avail. They again by bizarre insinuation, " demand no contact nationally '' as " political tactics ''. But while I did not take a picture this time as this angry, they sent me something more this time out of XXXX again and to a fictitious address again claiming I live in XXXX XXXX XXXX, so that I refused and returned the mail as we are in a situation that US Bank as an entity it responsible for entirely and has gotten to the point that I believe for the safety of the public that federal regulators need to go into US Bank and force transparency about what they actually do when they feel like it like this, and pull the plug on any ability to do so further to anybody in the US XXXX. Permanently. The bank can not be forced to provide a single truthful anything and continues to use the bank like a child taunting on a playground who is playing with a computer and people who are a computer game, as illustrated in the old " War Games ''. The public they do it to need US Bank and its employees it creates this with stopped forever from doing this to anybody. And the feint termination of this to CFPB appears to have been a manuever to get me to open the attached US Mail and what I did n't do, which is deposit the check in my bank account. There is a scam going back years of persons using bank deposit returned account information to start debiting accounts, and the reason people are advised to use credit cards is what can happen if somebody like this wires what you have out of your account, so I and everybody else has to keep our information out of the hands of people like this trying repeatedly to target my personal banking with inflammatory fraud per the attached. | ||||||
| 06/05/2022 | Yes |
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| Currently USBank is reporting my original loan amount as {$440000.00}, which is the amount of my first mortgage. However, when USBank reports the current balance, it is combining the balance of my first mortgage and my down payment assistance. This is resulting in the current balance being higher than the original loan amount. Last reported balance {$450000.00} on XX/XX/XXXX. By reporting only the first mortgage as the original loan amount, but then combining the totals for the first mortgage and down payment assistance as the remaining balance, it causes my loan to reflect that 0 % has been paid. I received a responses from USBank dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating : The current balance that reports to the credit bureaus each month will consist of all amounts, including down payment assistance. No changes are needed. However, based on their response, this is NOT how my account is being reported. They are basically using the total for one loan to report the original balance and then using the balance of two loans to report the current balance. This seems inaccurate and not consistent. The original loan amount and current balance should use the same information to report the totals. The original balance and current balance should both reflect the first and down payment assistance. The way USBank is reporting my account is hurting my credit score. I have been denied credit due to " the balance on your accounts is too high compared to the original loan amounts, lowering your score '' and " proportion of loan balances to loan amounts is too high ''. Below is the response I received from XXXX as to why this inaccuracy hurts my score monthly : XXXX weighs the amounts paid down and balances of mortgage and non-mortgage installment loans against the original loan balance. A balance to loan ratio of 0 % is considered risky, which will negatively impact your credit score. Due to the way USBank continues to report my mortgage, my balance to loan ratio is 0 %. Despite making all payments on time and making additional payments towards my principal every month. Original Loan Amount/ High Balance Being Reported to Credit Agencies : {$440000.00} Current Principal Balance Being Reported to Credit Agencies : {$450000.00} The Original Loan Amount/ High Balance only includes my mortgage. The Current Principal Balance includes BOTH the mortgage & DPA balances. Because the Current Principal Balance Reported ( {$450000.00} ) is more/ higher than the Original Loan amount Reported ( {$440000.00} ) the percentage paid off is 0 % What USBank Says I Burrowed : {$440000.00} ( mortgage ) What USBank Says I Owe : {$450000.00} ( mortgage + DPA ) On XX/XX/XXXX I was told by a USBank Mortgage employee that they are mandated to report my account in this way. When I asked where I could verify this information, I was told that I could do my own research. I have not been able to verify anywhere on your website or other Consumer reporting sites that it is mandated to only report the first mortgage as the original loan, but second mortgages and/or down payment assistance will be added on top of the mortgage to report the current balance. Can you please verify if this is correct? If so, explain why intentionally reporting in a manner that is harmful to consumers would be required? | ||||||
| 03/13/2018 | Yes |
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| In XX/XX/XXXX, I called to request information on canceling Private Mortgage Insurance ( PMI ) on my 30 year fixed mortgage with US Bank. I was promised information would be mailed right away. 10 days later I called again because no information had been received. Boilerplate language acknowledging my right to request cancellation of PMI if my Loan-to-Value ( LTV ) was 80 % or lower was included in my XX/XX/XXXX statement, but no instructions for requesting cancellation of my PMI were included. On XX/XX/XXXX, I sent a secure email through US Bank 's mortgage system requesting that if my property did indeed need to be re-appraised or have it's value certified, US Bank should provide me a list of suitable appraisers and their fees. XXXX XXXX XXXX (XX/XX/XXXX ) secure email response said the message was forwarded to a PMI specialist who would respond and inviting me to call Customer Service Center ( CSC ) at XXXX for further assistance. No PMI specialist contacted me so I called XXXX and was told that instructions would be mailed in 10 business days. When said instructions arrived, they included only the same boilerplate language acknowledging only my right to request cancellation of PMI. I once again called XXXX ( around XX/XX/XXXX) and was informed - for the first time - that all PMI cancellation requests had to be mailed, in writing with a check for {$490.00}. After some research, the XXXX representative was able to provide me an unlisted XXXX XXXX XXXX XXXX XXXX, MN. The check and written request was mailed XX/XX/XXXX. I sent a secure email and called on XX/XX/XXXXto inquire that the check was received and what the timeline would be and was told by XXXX XXXX ( XXXX ) on XX/XX/XXXX that the message was forwarded to " the appropriate department '' ; however, I received no update or further communication concerning this request. The check was depositedXX/XX/XXXX and an appraiser contacted me XX/XX/XXXX and promptly conducted the appraisal on XX/XX/XXXX. The results of the appraisal ( $ XXXX above Original value ) were received by US Bank on XX/XX/XXXX. 10 days later, I called XXXX AND sent a secure email requesting an update on the PMI cancellation request. I have been told the " PMI team '' was busy researching the requirements for PMI cancellation for my mortgage.No timeline has been offered, and my requests to speak with a member of the PMI team were denied. The XXXX rep explained PMI is paid " in arrears '' and therefore, I will continue to pay for PMI policy in XX/XX/XXXXand potentially future months. My XX/XX/XXXX secure email checking on the timeline has gone ignored. I have never been late on any payment. I contend that, ( 1 ) US Bank Home Mortgage has not been transparent in disclosing the protocol for requesting cancellation of PMI, a right they only acknowledge in general terms, ( 2 ) their own instructions and communications show fail to specify what they will do and when, and have failed to comply each time a next step and " 10 business day '' time frame was mentioned, ( 3 ) that they accepted fees of {$490.00} - well above what was paid to the appraiser - for services that were not performed in a reasonable amount of time, and that ( 4 ) all of these actions pass significant cost ( in terms of time, fees and unnecessary PMI payments ) onto customers like myself. | ||||||
| 02/28/2023 | Yes |
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| Good Morning Im reaching out because my bank is holding my liable for a thief by trickery scam. I was looking for a part time job on line on the XXXX XXXXr app. And I was offered a job, this job was working from home XXXX hours Monday through Friday, I gladly accepted it and thats when the dilemma started, the Hiring person ( XXXX XXXX ) sent me a check to purchase working equipment, told me to deposit the check into my personal bank account asking me to take pictures of the check the deposit slip and the receipt from the bank, ( which shows all my back information ) still I did thinking they sent me the check they are probably just making sure Im not a crook? Then they contacted me the next morning early to tell the funds were released and to XXXX a payment of {$500.00} To the vendor ( XXXX XXXX ) I would be purchasing the equipment from, so I did, once that payment was received I was asked to send via XXXX an additional {$1000.00}. To the vendor, XXXX payment was not available, so I was asked to go to my bank and withdraw in cash {$3500.00}. From the check I deposited the day before, by the way check was for {$4300.00}. So I did still not thinking anything. I figure it was their Money, once I had cash in hand the hiring Person ( XXXX XXXX ) asked me to buy XXXX I had no idea what XXXX was nor how to purchase it, but they did they sent me an address to the XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX and located the XXXX machine and I submitted all the {$3500.00} In cash and got a receipt, while I was processing the transaction I was told to screenshot each screen as I proceeded and I did which showed my ssn, scanning my drivers license, my email address, phone numbers etc. So now I have given them everything of my information Once I was done I was asked to go home and wait for future instructions. I get home I text my children to tell them the good news about the part time job and ask them if the ever used XXXX or heard of it as soon as I mentioned XXXX my daughter calls me, then my son is calling me I sent my son a text that Im on the phone and with in minutes hes at my door, ( my daughter in law works for a credit union ) and shes seen this scenario a few time and they target older individuals. I went to the bank to close my accounts was told me Im liable for the check since they ( the bank ) said I willingly deposited it and then withdrew cash from the account, and they were going to put my information on a check plus list so that I would not be able to open another account anywhere. Because I was a victim of thief of trickery, also I notifying my credit cards and creditors, I went to file a police report but was told because the monies are not in this state its not their jurisdiction Thank you for your time, XXXX XXXX XXXX Here is the names that were used and in the order I was contact : XXXX XXXX XXXX XXXX is my initial contact With an email invite to interview Then was asked to download XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) only contacted through the XXXX XXXX Third contact : XXXX XXXX CPA sent check via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vendor Also reached out to the XXXX support and their reply was : Due to the nature of XXXX, reversing the transaction or changing the destination of the funds once the transaction is sent is not possible. | ||||||
| 06/30/2021 | Yes |
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| I deposited two checks with US Bank via mobile deposit : # XXXX {$20.00} on XX/XX/XXXX and # XXXX for {$20.00} on XX/XX/XXXX. I later received an email from US Bank indicating a check for {$20.00} was flagged as a duplicate and would not be credited to my account. I called and had a long discussion with US Bank. The customer service representatives on that side had a very hard time understanding the issue initially because US Bank had no record visible in their system of check # XXXX from XX/XX/XXXX ( despite the email I received ). If US Bank flagged this as a duplicate, it is baffling to me why they would delete the check image I submitted. I would think they would be even more likely to keep that image as proof that it was a duplicate of the credited item. I see no reason why they would delete the image except to make it impossible to dispute the " duplicate '' conclusion. I will return to this point shortly. Luckily, I had not yet disposed of the checks, so I was able to share with the representative the two check numbers. The representative told me I would need to go to a branch to re-deposit the declined check, which I understood ( wrongly ) was check # XXXX. Keep in mind that US Bank did not provide me with the check number or image of the deposited check either online or via the mobile app, so I was entirely reliant on the verbal communication of the representative. Since I understood check # XXXX was already deposited, I properly shredded it. A week later, I took check # XXXX to the branch ( which really was a duplicate of the existing credit deposit ). I have now called US Bank again to dispute the fact that they did not credit my account for check # XXXX. Both the representative and supervisor insist that US Bank does not keep the image of a check flagged as duplicate. In other words, US Bank has a single image of a single check. If US Bank had kept both images, it would be a simple matter to pull up the two images and have a human examine them to see they are clearly different. A single image can not support a claim of two deposits being duplicates. Two images would be required to make such an assertion. It is my belief that US Bank 's policy to immediately delete and not store images of checks that their system flags as " duplicates '' is abusive under CFPB laws and regulations. A reasonable consumer should be able to rely on their financial depository institution to act in the consumers interest by ( 1 ) having reasonable quality control checks in place to ensure funds are not incorrectly denied deposit, ( 2 ) saving the check images the institution claims are duplicates to allow for further evaluation if necessary, and ( 3 ) providing a simple and direct avenue to dispute the rejection of a check or deposit package ( e.g. a dispute this decision button in the mobile app, website, or email notification ). By deleting deposit package images, by withholding those images and that information from its customer service representatives and consumers, and by failing to have any efficient avenue of dispute, US Bank is taking unreasonable advantage of consumers reliance that the bank is ( or should be ) acting in their interests and that their apps, images, processes, and systems are ( or should be ) designed to protect the consumer. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 06/24/2018 | Yes |
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| US Bank complaint I have been in the process of a mortgage assumption over 4times in the past year. I took out a mortgage in XX/XX/2016 with my fianc. 6months later we broke up and I have been trying for a mortgage assumption with US Bank since. The first was denied due to debt to housing ratio, the loan officer for US Bank wrongfully advised me to try again since I just got a new job and future earnings would be taken into consideration. It was denied a second time The third time my father co applied with me and it was denied again due to housing to income ratio despite the fact both of our credit scores are in the high 700s and combined income is over 180K a year. I was told by the loan officer, that it was due to my father not going to be a resident in the house when in fact he was going to be ... due to a recent separation. I applied a fourth time listing my house as his primary residence. He signed statements it would be his primary residence. It was denied for a fourth time. Every application took two months and cost me money. The communication beteeen the loan officers was pretty much non existent and was extremely bad. No phone calls were returned, emails were answered sporadically. I do not understand why US Bank showed absolutely no interest in keeping my mortgage with them and forcing me to seek refinancing at another institution. I have the income, I have the credit scores. Other banks are calling me daily to have me refinance with them but US Bank wont even return phone calls. It has been the most frustrating experience Ive ever had with a banking institution. I have bent over backwards in supplying all documents and statements requested in a timely manner and US Bank has done nothing to assist me or keep me informed of the status. Their loan officers advised me to reapply each time and it ended up he same. My interest rate is 3.75 % with my current mortgage with US Bank. To refinance will cost me much more money as interest rates have climbed. I would like my case reviewed and told why Im being denied after I have done all I can. The problem of my father, who is a coborrower now, not residing at the residence has been resolved. I have wasted almost a years time and hundreds of dollars and have gotten nowhere. The customer service is atrocious. They have given me bad infkrs, toon in advising me to reapply and assured me my application would be approved this fourth time. My case number on the fourth attempt is XXXX. After waiting months I finally sent an email saying Im withdrawing my application. However, I do not want to after investing all this time but I had no choice as was getting no information from US Bank and I have to get this mortgage assumption done or refinance elsewhere. Please advise what I need to do to get this application active again and approved. There is no reason I should have been denied. If I am denied then the loan officer has given me false information asking me to reapply for a fourth time to specify my father will be a co occupant, I would like someone at US Bank to help me keep my house. I have more than enough income and great credit scores. I have consistently paid my mortgage promptly on my own despite my current co owner not assisting at all. There is absolutely no reason I should be denied and I would like to file a formal complaint. | ||||||
| 10/13/2015 | Yes |
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| On XX/XX/XXXX my mother told me come down to U.S. Bank, I went down to U.S. Bank and was met by my mother and my sister I sat down with the banker and my mother said my father wanted me to have his savings account, her and I were both pay on death of my father 's account. So after XXXX min of paperwork with the banker I was issued a cashiers check for {$41000.00} I then took the cashiers check and opened a new checking and savings account within US Bank in my soul name and deposited the money within the savings account. So then 11 months later after a falling out with my mother in XX/XX/XXXX on or about XX/XX/XXXX l received a call from US Bank telling me my account has been frozen that my mother had come in to the bank on or about XX/XX/XXXX saying she never got her {$20000.00} and that if I do n't provide proof that my mother has no interest in my account that they will be giving her {$20000.00}. So I contacted the district manager and she informed me that there 's nothing I can do about it and that when my fathers Account was closed the banker did n't do the paperwork right. So I went down to the bank and spoke with them and I repeatedly told them this was my account and it had nothing to do with the previous account that had already been closed this account is only in my name and has no ties to my mother or my deceased father 's previous account. After two weeks of contacting corporate and speaking with countless people and everybody saying that that 's not right that this ca n't happen then told me to speak with the District manager and that it was her decision so, to no avail on XX/XX/XXXX they withdrew {$20000.00} and gave it to my mother. I even opened a case with the XXXX and us banks District managers response was that they will stand by their decision and that they considered this is an error on my account and they have to right to disperse my funds how they see fit and that they were unable to obtain security footage from the day of XX/XX/XXXX which leads me to believe that my mother is saying she was not there when my fathers account was closed? On any pay on death all parties must be present when account is closed she had and was there for his account to be closed I tried to obtain any of the sign documents from the bank but they informed me they do not keep any records and that they do not have any of the signed documents from my fathers account being closed. So all the paperwork my mother and I signed the day of XX/XX/XXXX when my mother had to provide the death certificate to be able to close my father 's account cause my mothers name was n't on my fathers account it was his soul account, they tell me there 's nothing? I do n't understand how there can be no paperwork for an account being closed due to death for {$41000.00}. The paperwork had to be reviewed and signed off by upper management before I could be issued the cashiers check. How is it possible that the bank will allow a person to come back 11 months later and take something that is not theirs. I brought all these things up with the district manager but it fell upon deaf ears. The district manager would not help me all she would tell me is it is unfortunate. I also ask the district manager to refer this to the Superior Court to be heard in civil court but she declined and chose to disperse my funds. | ||||||
| 01/04/2020 | Yes |
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| Elan Financial is trying collect money on a XXXX XXXX Rewards card that I have never received or applied for. And my rights to dispute and settle debt have not been explained. I have no access to this account. I can not look up and review the history online. This is an account that was closed 10 years ago and should have long been paid off by now. It had been sold off a few times ... causing issues in payment and access. All other account holders have online digital access to their accounts and can download information and history. I can not. After the phone call today on XX/XX/2020 with Elan Financial and the way the representative 's behavior changed by my wanting further information, leads me to believe that there is something going on with this account, how it is marked, cataloged, how much I have paid over the life of the account as it changed company hands over the years ... like one company wrote it off and then sold it to another company or it is in a " retired '' bundle, but they are still pursuing this, which is why I do not have access ... and it is a ghost account being carried over. I am not explaining this well ... but it seems to be in a " greyed out area. '' When asking further questions, the rep accused me of fabricating to her ( no idea about what ) in reference to obtaining a settlement amount because I continued to ask questions after being told a settlement price. Also, after telling me a price, she asked me what amount I would agree to pay. Then told me that I could not offer another price because the system would reject it, because she already told me what the system said. I asked why she asked me for my offer and she said that it was in the next page of her script.??? This led me to believe that something is wrong, and I probably need a trained advocate to communicate on my behalf. But I was hasseled and told that the offer may not be there if I did not agree to something and make a payment today, when I wanted time to review. I had been asking how the options would ultimately be reflected on my credit report ... would it say paid as a agreed, would 'catch up ' payments be marked in default until the account was current ... and she said that Elan could not provide this information, that I had to call the credit bureaus. And I explained that a credit bureau says it only reports what it recieves from financial institutions, so Elan should know how it will report this. And this led to more accusations that I was creating storylines. The more I inquired, the more upset she was. Then she hung up. Note, I have never had any other problems with any credit account accept for this one. Going back 10 years .... it is just this account. And my credit report will reflect this. I think there is something wrong with this debt being transferred over. Elan is telling me this is my former XXXX account, but that was a former card from something else. I called Elan a while ago, inititally thinking credit card fraud. Now I think there is something wrong that I am not given online access. I do not maintain checks with my bank because everything is digital, so I am supposed to call Elan once a month a pay by phone.??? When I can not see anything from this original balance. If it was a real account, I believe I would have online access. Receiving a bill means nothing. | ||||||
| 07/31/2020 | Yes |
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| In XXXX of this year we approached USBank for a construction to permanent mortgage to build on our property in XXXX, TN. This mortgage includes myself, my husband XXXX XXXX XXXX, XXXX, my stepson XXXX XXXX XXXX XXXX and his wife XXXX XXXX. We have been working with XXXX XXXX at USBank. We agreed on terms through an email on XX/XX/XXXX. We worked through the process and we closed on XX/XX/XXXX. Since it involved 2 couples, my husband and I signed and notarized the documents on XX/XX/XXXX, then sent the documents via XXXX XXXX to XXXX and XXXX to sign and notarize on XX/XX/XXXX. They were then sent via XXXX to the bank. {$32000.00} was wired to the bank for Cash to Close, as indicated in the signed Closing Disclosure ( see attachment ). On XXXX/XXXX/XXXX, XXXX XXXX received a phone call and then we received an email from XXXX XXXX stating that underwriting had written the down payment incorrectly on the Closing Disclosure, and we needed to send the bank an additional {$9000.00}. XXXX wrote {$1000.00} to be distributed to the builder for the original draw instead of {$10000.00}, which is what the builder requested. Of note is that this was 16 days ( 12 business days ) after the closing. The correct amount of {$10000.00} was written on the XXXX, so the Cash to Close there is {$41000.00} ( see attachment ). We do have a copy of that. Mr. XXXX states that is also what is on the XXXX, but I do not have a copy of that to verify. Mr XXXX has so far been unable to get us a copy of that. The amount on the signed Closing Disclosure, of which we received numerous copies, has the Cash to Close as {$32000.00}. The bank received {$32000.00} from us at closing. We have received documents from USBank since then indicating the loan process is complete and I have even sent the first payment to them. We have corresponded with Mr. XXXX by email and by phone, and he stands firm that we are expected to pay the remaining {$9000.00}. The bank has agreed to give the builder the appropriate draw, and the builder has received that. The bank states we may pay the {$9000.00} at the end of construction. We have not received any official documents from USBank recognizing the need for us to pay {$9000.00}, all correspondence has been through email with MrXXXX XXXX and 2 phone calls. His regional manager was to be on the conference call on XX/XX/XXXX, but was not. We had set up a conference call with Mr XXXX and his regional manager for XXXX on XX/XX/XXXX. I received a text from Mr XXXX at XXXX that he was trying to get a hold of his manager. We then set a time for XXXX, but did not receive a call until XXXX. We were not available at that point to talk and we called Mr XXXX back at XXXX. His regional manager was not in on the call. Mr XXXX has agreed that this is a fault of USBank, and not a fault of ours. We feel this has been handled poorly and in a very unprofessional way. We have not received any official documents of this error, or requests for payment. We do continue to get emails from Mr XXXX explaining the error in the documents. We would not be comfortable simply paying any sum without legal documentation of the error and indication of the appropriate way to rectify the error, although as we feel this is a USBank error, we do not feel we should be held responsible for it in any way. | ||||||
| 04/17/2023 | Yes |
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| Dear CFPB : We were defrauded by US Bank and are seeking damages. After promising to provide a modification/refinance solution during the Covid forbearance period for our 1st and 2nd mortgages secured by our personal residence, U.S. Bank is refusing to modify/refinance our 2nd mortgage post forbearance. in XXXX of XXXX, we placed our 1st and 2nd mortgages, both with U.S. Bank, on forbearance due to Covid. Before we submitted the forbearance application, we asked what would happen after they were removed from forbearance, and we were informed that the loans would be modified and might even include a reduction of principal ( if our income was lower at the time of forbearance resolution ). We were subsequently assured of this multiple times verbally and in writing throughout the forbearance period. In XXXX of XXXX, we proactively applied, at our local U.S. Bank branch, for a refinance that would combine the 1st and 2nd mortgages into a single mortgage at the current interest rate, which was 2.75 %. In XXXX of XXXX, we were denied the refinance that would combine the XXXX mortgages, so we filed a case with CFPB. In a letter from U.S. Bank dated XX/XX/XXXX, and in response to the CFPB case, we were informed that the XXXX XXXX would not allow the mortgages to be refinanced while they are in forbearance ( we doubt this was accurate ) and that U.S. Bank would work to resolve our situation after the mortgages were no longer in forbearance. We believed this to mean that they would modify/refinance after the forbearance period ended as was confirmed verbally over the phone. On XX/XX/XXXX, we received a letter confirming in writing that an eventual modification/refinance post forbearance would occur. In Late XXXX, we requested our mortgages be removed from forbearance. We submitted " loss mitigation '' applications at that time and we complied with all requests for information for both mortgages. On XX/XX/XXXX of XXXX, our 1st mortgage was approved for a modification which resulted in a lower int rate ( 2.875 % ) and much lower payment ( XXXX amortization ). We were satisfied with this resolution and looked forward to hearing about our 2nd mortgage. On XX/XX/XXXX, after 14 months of delays that were US Bank 's fault, we finally received notification that our 2nd would NOT be modified or refinanced AT ALL and that our only option was a " short sale ''. We were shocked because we expected a loan modification/refinance similar to our 1st. Very early on we acted in good faith to proactively resolve the forbearance with a refinance that would have resulted in a combined mortgage at 2.75 % int. and a XXXX amortization, but were denied. During the process, we complied in a timely manner with all application forms and information requests. Our financial situation has improved and is now better than it was when our first mortgage was modified, so there is no reason they should treat the 2nd mortgage any differently than the 1st mortgage. Due to US Bank 's lies and deception, we have been defrauded thousands of dollars. The amount of the fraud will increase every month going forward ( upwards of {$450.00} depending on interest rates ) until this is resolved. We request your help in resolving this and recovering damages. Thank you for your assistance in this matter. | ||||||
| 01/21/2020 | Yes |
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| I am a XXXX year old XXXX man from XXXX, CA. I own a XXXX XXXX XXXX which appraised for $ XXXX recently. I owe $ XXXX on this property so I have $ XXXX in equity. My FICO score is currently XXXX so my profile is strong. I applied for a HELOC at the XXXX XXXX, CA branch of US Bank back in XXXX of XXXX. The loan officer I worked with was XXXX XXXX. My XXXX credit score at that time of the application per a hard pull credit report from my credit counselor ( attached ) was XXXX. US Bank issued a denial letter ( attached ) claiming that I was denied this loan because my XXXX credit score was XXXX. Huge discrepancy! I immediately called the XXXX XXXX branch to challenge this and clear up what was clearly a mistake. I thought that perhaps someone entered the wrong Social Security # when running my score. I was directed to XXXX XXXX who was extremely rude and dismissive toward me. I asked her to send me the credit score stating my XXXX score was XXXX and she refused to share the score with me. She told me I know youre used to getting your way simply for attempting to clear up what was obviously a mistake. I continued to fight with US Bank for a credit score and I received a letter from US Bank claiming the XXXX score was XXXX, but they did not send the actual score. I reapplied for a HELOC in XXXX of XXXX but was denied again solely because of my credit score. This time, US Bank claimed my XXXX score was a XXXX. I checked my score with another lender, I checked my score with my credit counselor and I even enrolled in XXXX credit monitoring service and that service ( which states all 3 scores ) had all scores including XXXX in the mid to high 700s. I have attached evidence of all these scores. I then filed a formal dispute within US Bank.. XX/XX/XXXX I received a letter ( attached ) from Mr. XXXX XXXX ( US Bank Customer Care Specialist ) stating that he looked into my disputed and concluded that I was not discriminated against. How predictable that US Bank find US Bank not guilty. Mr. XXXX instructed me to take my claim up with XXXX because US Bank does not control what XXXX reports. At this point, I have now received XXXX scores from 4 other sources including XXXX directly that prove my XXXX score has consistently been in the mid to high 700s throughout both HELOC applications. My most recent score pull DIRECTLY from XXXX via mail request dated XX/XX/XXXX has my XXXX score at XXXX. The only scores which appear low are the scores that US Bank claims they are getting from XXXX ( even though they refuse to share these mysterious scores ). This whole thing smells fishy. XXXX, XXXX. I walked into US Bank and handed them the 6 page credit score report that I ordered directly from XXXX which states my score is XXXX. I asked for XXXX XXXX direct number so that I could clear this up and the loan officer handed me the number. The number I called however was not a working number. I was told that XXXX would reach out to me but I guess he had better things to do. That was about 3 weeks ago. I am filing this dispute because I want my true XXXX score of XXXX recognized. I need this to happen fast because I have been waiting forever. US Bank is the only bank that offers the loan to value that I need. Love the product but the service Ive received is downright discriminatory. | ||||||
| 03/05/2021 | Yes |
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| I was scammed for XXXX that I made over a month of customer service work. When I called US Bank to report it, they told me consistently for 2 weeks that I would be receiving the funds back on XX/XX/XXXX, and that I would have to fill out paperwork to bolster my case. As of today, XX/XX/XXXX, I have been told my case was declined, no paperwork was sent, and theres no way to recover the money. First, some context, as Im sure that as someone more experienced with how money works, this would not have happened in the first place. Im XXXX and out of college, dealing with debt and career skepticism. The first time I started really saving money was never, yet. This is what happened from the start : Someone from high school reached out to me via Snapchat ( I will provide all evidence ), and was talking to me about regular stuff and catching up for about a week. Then, they told me that their uncle and aunt were running a business which could help me invest my money for a quick return. I was skeptical at first but they said they were helping many others like me and said that it benefitted them as well. I wanted to trust my friend from high school, and agreed on the terms that I would be able to call during the transaction. As soon as I sent the money, they disappeared. I reached out to the person the scammer was posing as on XXXX and confirmed that their XXXX account had been hacked. I next called my bank. They helped me file a claim and I told them everything that happened. They said from this day ( XX/XX/XXXX ) that my money would be returned to me in the form of a provisional credit by XX/XX/XXXX, that I would need to fill out paperwork being sent to me, and also that there was a possibility in expediting the credit if I needed. I called back several times regarding this and they kept telling me the claim was processing and the credit would go back to the account on XX/XX/XXXX. So I was relieved at this time. I asked some friends and family for money to get by while I waited and found something new to earn. I still called the bank several times to try and expedite the credit, to the same reply, and also the assurance that I would be put in touch with a case manager on several occasions. This never happened, each time. I was still patient. On XX/XX/XXXX there was nothing in my account so I called back, and they said it was still processing. Today I called and they said it was denied and theres no way to get my money back, to my distress. When I told them that I had been receiving wildly incorrect information for 2 weeks, they said they couldnt help me. Of course, I know that there is nothing these CS reps can really do with the rules in place. However, they directly impacted the trauma I am facing now by misleading me for weeks. They directly impacted my well being by convincing me I would get the money back, since there are people who I owe. They have impacted my mental well being, as all I can imagine is representatives laughing behind my back at tricking me as I hung up in relief. They have impacted my physical well being, as I need to contribute to my familys rent bills and grocery bills. Please assist and help me find their accountability in my pain and loss. They never asked for any evidence on my end, so it might be that they simply did not believe my account. | ||||||
| 12/14/2021 | Yes |
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| A XXXX KY telephone number ( XXXX ) called to say they were an electronic document delivery service that is attempting to notify me of legal court actions. They said legal actions were being filed and they needed to give me a reference number and another telephone number to follow up. They provided the telephone number XXXX with reference number XXXX. When I called XXXX, a representative identified the company as XXXX XXXX XXXX XXXX. They claimed they were a litigation firm that represents clients in court. I asked if they were a law firm. They did not say no, but kept repeating they were a litigation firm. They claimed I had a US Bank account that was overdrawn by {$900.00} in XXXX. They said the legal fees have increased it to around $ XXXX. They offered to settle it for around {$1000.00}. They offered another option that required a {$400.00} down payment with extended payments. When I asked questions about dates, amounts, and fees they told me they could simply mark the account as disputed and a judge would have to weigh in on the matter. I was told when the judge issued a judgement all three credit agencies would be notified to report I was delinquent. The litigation firm gave me the US Bank reference number XXXX. I called US Bank and was told a debt was charged off in XXXX to a company called XXXX XXXX XXXX. I had not idea I owed the money. I was a college student that moved at times. The representative said XXXX XXXX XXXX has went out of business and perhaps sold my debt to another company. Part of their settlement entails that I call the XXXX XXXX KY court clerk to verify no open records of legal actions have been taken against me. I assumed they would know if they have filed legal actions against me. I feel like they are just assuming that if I found no open records it would confirm their story. They said once legal actions have been filed, there would be no settlement and I would be responsible for the entire $ XXXX. Here are my concerns. They are using language that implies they want me to believe they are a law firm or are attorneys by using language like litigation firm. They refer to the employees that will take action as " litigation associates ''. This rings in my ear as an attempt to imply lawyer. The statute of limitations may have already passed. They may be trying to " trick '' me into engaging in activities that may extend the statue of limitations. They kept pushing the phrases " we will just mark this as disputed '', " judge will issue a judgement '', and " your credit reports will indicate I am deliquent ''. US Bank will not provide any information other than a debt was sold. There is no way I can verify anything being said and their misleading comments make me wonder if anything can be trusted. They are able to provide past addresses, drivers license number, full social security number, and reasonably accurate dates. Also, why should I call a court clerk to verify the company has not filed legal actions against me. All these issues lead me to believe this may be a fraud using detailed information. The overdrawn account happened in XXXX. US Bank charged it off in XXXX and sold it to XXXX XXXX XXXX. I have no information when this company went out of business or if they sold the debt. I have no idea of the original overdraft. | ||||||
| 08/20/2015 | Yes |
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| In XXXX of XXXX, I applied for a U.S. Bank Platinum VISA Card because it offered a 0.00 % APR on all balance transfers and purchases made before XXXX/XXXX/XXXX. After I opened the account, I received numerous pieces of mail, email, and telephone calls from U.S. Bank offering additional balance transfers, cash advances, and purchases at a 0.00 % APR. I took advantage of XXXX of those offers, but U.S. Bank took advantage of me. I made XXXX transactions on the VISA card during the 0.00 % APR period. I made XXXX balance transfers and was charged a 3 % fee for each XXXX. In between the XXXX balance transfers, I made XXXX purchase. The XXXX balance transfer had a 0.00 % APR that did n't expire until XXXX/XXXX/XXXX. I set up an automatic payment above the minimum payment due so that the first balance would be paid in full before the XXXX/XXXX/XXXX expiration date, but when I received my XXXX statement, it reflected a finance charge. I called U.S. Bank. I was told that I had incurred the charge because I did not pay the entire balance before XXXX/XXXX/XXXX. I asked the representative to explain why there was an unpaid balance on XXXX/XXXX/XXXX. He told me that it is U.S. Bank 's policy to apply any payment in excess of the minimum amount to the NEWEST balance. Only {$30.00} of my {$120.00} had been applied to the original balance. The remaining {$95.00} was being applied to the XXXX balance transfer that had a 0.00 % APR that did not expire until the following year. I paid more than the minimum amount due because I wanted to pay the original balance in full before XXXX/XXXX/XXXX, but U.S. Bank intentionally prevented this from occurring. I told the representative that I would have never taken advantage of the XXXX balance transfer offer if I had known that the excess payment was going to be applied to it. I refuse to do business with a bank that engages in such unfair and deceptive practices. I asked the representative to close my account and informed him I would be paying the entire balance in full. I thought I had a credit card with a 0.00 % APR until XXXX/XXXX/XXXX, but I did n't. My APR was 9.99 % APR because U.S. Bank made sure I had an outstanding balance on the APR expiration date. I was supposed to get a 0.00 % APR on the amount of the second balance transfer, but I did n't. U.S. Bank negated the offer by applying my excess payments to the balance. The balance is no longer the amount that was supposed to have a 0.00 % APR until XXXX/XXXX/XXXX. The Credit Card Accountability Responsibility and Disclosure Act of XXXX ( " CARD Act '' or " the Act '' ) was supposed to prohibit banks from applying payments in excess of the minimum in a manner that maximizes interest charges. The law has failed to accomplish this. If the balances have the same interest rate, banks are still able to apply the payments to their benefit. I 'm not just filing a complaint to warn others of the unfair and deceptive practices I was subjected to by U.S. Bank. I 'm filing this complaint in the hope that lawmakers will revise the CARD Act to include any payment allocation that maximizes interest charges, not just the ones involving a higher APR. Banks should also be prohibited from applying payments in excess of the minimum amount in a manner that generates interest charges. | ||||||
| 09/26/2021 | Yes |
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| I startedMy issues with my US Bank XXXX began a couple of months back when someone obtained my information and began to charge my card with transactions that I never authorized. I have not determined exactly who this person is, only that my life has been completely turned upside down by their illegal actions. I have tried to resolve and escalate this issue that is from XXXX of 2021-XXXX of 2021. I would like a complete investigation into these charges, which have now reached hundreds of dollars, and occur within minutes of each other every few days. I have attempted to freeze my card to allow your customer service department the chance to fully complete their investigation, except the original four hour phone call and report was lost in the system and my card started to ONLY freeze when it was ME that was trying to utilize it. I have been personally declined online and at atms and my balence still continues to decrease. I am now unable to use my own card, which I still have in my possession yet this person or people who have taken so much from me continue to be approved for hundreds of transactions using XXXX XXXX and not even requiring my card to be present or my signature. In the month of XXXX alone there were almost {$900.00} in charges! There has to be a way to find out who owns the devices that download these games from XXXX and from there they can be charged with Grand Theft and stealing my information! It should be that easy. You can easily review my account to see where these types of transactions started and it should be a simple trail from XXXX to this person or persons devices. I have also elected to file a police report as well. I am going to be unable to pay my rent if this isn't handled now. You can not imagine my frustrations with a company that has in the past used my behavior to determine if anything might be out of the ordinary and shut my card down temporarily until I reached out and had it unfrozen, yet continues to see twenty transactions in a row for XXXX games like XXXX and XXXX at all hours of the day and night! I am XXXX years old with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since COVID. What on earth from my past usage of this card screams out that it is " ordinary '' for me to waste almost XXXX XXXX dollars on this nonsense? I have tried unsuccessfully on several occasions to work with your reps via phone only to be disappointed at the results yielding nothing but more loss. I am now writing to request a formal investigation of the transactions that I have attempted to stop for months now. I have provided the entire list from the time I initially became aware and tried to call and file a complaint with the request that you cease any and all transactions related to XXXX XXXX and subscription services.Cancel anything listed that may reoccur and allow me to access my funds without more loss from these crooks. I can be reached and will be happy to help in any way to bring whomever is doing this to court and will hope they are procecuted to the fullest extent of the law. As the total amount of fraud is over {$950.00}, I assume that it will be considered Grand Theft. It would make me feel much better knowing that they will be punished for violating my personal financial comfort by stealing from me at such insane levels. | ||||||
| 05/14/2020 | Yes |
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| My letter to XXXX & US Bank. To Whom It May Concern, Im writing to inform you that your partner US Bank is an absolute joke and a crooked entity as a whole! Yes Im aware that most credit card companies fall into this category but at least others are working with me. Im completely shocked that an amazing company like XXXX continues to partner with US Bank. The short version of my story is this. The government tells me I have to stay home because of a pandemic labeled COVID-19. I'm not unreasonable so I get it but I'm forced to stay home and now I can't work. My place of employment was also forced to close its doors until further notice. Being a responsible citizen I attempted to contact all of my creditors. I sat on hold for countless hours over a period of weeks trying to reach all of my creditors and most of them were for the most part sympathetic with the exception of a few. One of them was US BANK. ZERO UNDERSTANDING! ZERO HELP! ZERO COMPASSION! ZERO COMMON SENSE REASONING! In short they said " I'M SORRY SIR. WE'RE NOT OFFERING ANY ASSISTANCE AT THE MOMENT! ALL MONTHLY PAYMENTS ARE STILL DUE EVERY MONTH! '' I reiterated that I'm being forced to stay home and I have no income. They didn't care. Shortly after I received a letter stating that they're going to close my account and report me to the credit bureaus if I don't make a payment soon. I said, I'm sorry because feeding my family comes first so I will not be able to make a payment at the moment so do whatever you need to do. I just checked my credit report and they in fact did report me to all the major credit bureaus for being late. Its so sad that we have such failed system of checks and balances all controlled by greed. The system is designed to fail the average US citizen ( s ). Even the RESPONSIBLE US citizen ( s ) ... In addition, months prior I took out a loan to pay off a {$17000.00} balance on my XXXX US BANK MC. My plan was too pay off the credit card and do a balance transfer from my other cards over to my US bank card in order to get a leg up on my finances. Mind you I had no prior issues and a perfect payment history. I discovered that a few weeks after I paid off the {$17000.00}, US BANK dropped my credit limit from {$17000.00} to {$2000.00} screwing me and my family over. I could have used that money instead to pay off my other cards if I knew they were going to do this. My family had a long overdue vacation that was planned that we had to cancel. I was going to book a vacation through XXXX vacations and use the XXXX MasterCard to get my dividend points. Im beyond angry. US Bank messed with my life, my families life and our livelihood. I know theres countless others that are experiencing the same thing. I hope sooner than later XXXX will wake up and do the right thing and break the partnership with US Bank. Honestly I dont believe Ill continue shopping at XXXX as long as theyre partnered with US Bank. Im moral individual and Im big on principal. With that being said my new purpose is to dedicate myself and exhaust all of my resources to expose companies like US bank and the XXXX US Bank Mastercard to EVERYONE!!!!! Through social media, XXXX, the local news stations, the XXXX, etc! Only a fool would underestimate a man with nothing to lose. XXXX XXXX, The Price of Nobility | ||||||
| 04/02/2021 | Yes |
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| As an existing US Bank mortgage customer since XXXX that was purchased from a mortgage company I used for my closing I applied to refinance my property to decrease my interest rate from 4.2 to 2.5 APR. I filed a complaint with US Bank internally in regards to the underwriting process and experience I have had that has been in limbo due the underwriting stating a ground rent agreement filed with the superior court within the city of XXXX didn't specify verbiage related to the below : The lease or sublease must : permit the mortgaging of the Leasehold Estate ; permit assignment without the lessors consent ; and grant to the Leasehold Estate mortgagee the right to acquire in its own name ( or in the name of its nominee ) the rights of the lessee upon foreclosure or assignment in lieu of foreclosure. The last documented land rent agreement was processed in the year XXXX. The transaction was recorded in the ground rent registry as well as the confirmatory deed specifying the parties involved, date of transaction, lot, address, boundaries and ground rent bi-annual payment. Underwriting have refused to accept these legally binding court documents record that represent the most transfer of ownership to the most recent owner of lot # XXXX on which the property XXXX XXXX XXXX XXXX was built on in XXXX. On XX/XX/XXXX US Bank conditionally approved the refinance loan application with the caveat to provide additional information. The final required document was the ground rent agreement. Ever document provided by the title company that represents me and confirmatory deed I provided has been deemed insufficient. Despite the statement the provided documentation being deemed insufficient underwriting has not approved nor denied the application and continues to request I find a document that will satisfy their requirement. I have continuously asked for either an approval or denial and still having received one. I have also asked for the loan officer and loan processor to cancel the application which hasn't been done. In an attempt to confirm US Bank has been mailing the ground rent to current ground rent owner bi-annually as specified in the ground rent agreement, I requested this information from both US Bank escrow and tax department. Neither has been able to confirm US Bank has sent out ground rent checks since XXXX or later. As a US Bank mortgage customer whose loan was purchased by US Bank shortly after my closing in XX/XX/XXXX, I chose to use US Bank to refinance because I assumed the process would be streamlined because my existing banking relationship. The experience has been the worst, due to the lack of communicating, the extreme subjectivity of the underwriting department and the inability for me to get clear and concise answers to my questions. We have exceeded the assume 90 day closing period and US Bank underwriting still hasn't provided an decision on the refinance loan. Due to my concern of how my application is being handled I am filing a formal complaint with the Consumer Financial Protection Bureau to investigate the underwriting process to determine if it was unfairly administered due to some form of bias, discrimination, or unwillingness to approved because US Bank doesn't want to provided me with a lower APR to avoid monetary loss. | ||||||
| 01/17/2018 | Yes |
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| I have had my XXXX XXXX Credit Card for two years now ( US Bank currently owns them ). I 've made many of my monthly payments not only on time and early but multiple payments ( 2 ) per month, which are around $ 100- {$200.00} each. Where the minimum required is around {$30.00}. In a day where we have apps for everything, I now pay everything with an app. and with no fault other than my own I somehow missed 1 payment with my XXXX XXXX CC. At that time my balance was around 90 % of the card, I think I owed around {$2600.00} and the limit was around {$2800.00}. In all my other Credit Card apps when you payment is due the app prompts you. When you are past the payment date it warns you. XXXX XXXX does n't do either. Now I know it 's my job to now to make my payments on time, but you could go months and the app will just move the payment date to the following month giving you the implication that you have made this months payment. So back to the point. on XX/XX/XXXX when I realized I missed my XX/XX/XXXX payment I called customer service right away to bring the payment up to date and apologized that the app was n't very clear about payments. Now without my permission US Bank pulled my credit and determined that my credit cards were all to close to the limit on XX/XX/XXXX. and as of XX/XX/XXXX reduced my credit card limit to {$1200.00}. Now I was buying presents among other things for the upcoming holidays, which I feel is very unfair all without my knowing. I did n't authorize them to pull my credit soft or hard. From the time I called on XX/XX/XXXXtill XX/XX/XXXXI took that card from 92 % full at {$2600.00} balance to a balance of {$600.00} which is 20 %. Yet they decided to drop my credit by over have. Every year I get my bonus and I put that towards my credit cards. I received my Bonus just like normal this year and applied to all my credit cards in the month of XX/XX/XXXXwhere all my credit cards except for 1 out of 6 are all under 30 %. I called and tried to talk to US Bank who owns XXXX XXXX, to try and have them explain why one missed payment with all of my double payments over the two years, plus the activity following the missed payment. Which was me paying down {$2000.00} dollars in less than 30 days would result in having my cards credit limit being dropped by over half. I cant understand why one missed payment would result in this ...? I could see if I missed one payment, then the following two months were paid on the XXXX day almost 30 days late. But nothing like that happened. I called an apologized to a supervisor there, I mean who does that? No one. I just dont feel that is just. If that is n't brought back up to the original credit line, then moving forward I will no longer carry a balance on the card, and will avoid US Bank with all costs. I do n't feel this is a good way to do business. Lastly they gave me an excuse that I had something in collections when they pulled my credit, which was a complete lie.When doing a credit check on me, I do have 1 Derogatory Mark that shows up. But when you look at what it is, it 's my BK from XX/XX/XXXXwhich was there when I applied for the Credit Card. I did have a BK almost 9yrs ago when I lost my job in the great recession. Currently I own my own home and have paid of two vehicles since that BK. | ||||||
| 12/05/2017 | Yes |
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| In XX/XX/XXXX, US Bank encouraged us to refinance our mortgage in order to lower our interest rate and reduce the length of our mortgage term. After coming in to apply and begin the process, having confirmation from the banker that our credit rating was very impressive, it took literally months of repeated contacts to both the local branch where we applied and also the corporate level to conclude this process. It took over four months to do this. And it took multiple attempts to contact them by phone, email and in person during this period. The manager at the local US Bank branch in XXXX, Ohio was XXXX XXXX. The delays were ultimately supposedly resolved by XXXX XXXX after she took on our issues in XX/XX/XXXX. Upon signing and closing the mortgage papers, US Bank required that we open a checking account with them in order to acquire the mortgage loan. They stated that it was not a requirement that we do anything with this account, so we agreed to it despite the confusion over why it was necessary. Our mortgage payments had been extracted from our existing checking with XXXX XXXX XXXX XXXX for many years prior during the previous mortgage arrangement with US Bank. It was understood to us that our mortgage payments would be extracted from our checking the first week of each month at a set rate. I adjusted our checking balance accordingly, but it turned out these payments were not ever being withdrawn. Instead, US Bank was attempting to take these from the checking account they forced upon us. Since no money existed in that account, they rolled into our home equity credit line with US Bank without us knowing. Then we started getting overdue payment notices in the mail and by phone. On two occasions, in XX/XX/XXXX and XX/XX/XXXX, I made payments over the phone to US Bank to cover these now delinquent overdrafts. After the second payment was made, we received two notices by mail from US Bank : one stating that we 'd paid the overdue amount, and the second stating that it was still delinquent. By this point, I had also made arrangements to have US Bank start taking payments from our long established checking with XXXX XXXX XXXX XXXX. I contacted US Bank today - XX/XX/XXXX - to attempt to clear this up. Even though I could see in my online checking account that they 'd taken the payment, I spoke with multiple departments at US Bank that could not even tell which department had attained the payment. Now we have to fax papers to the bank that prove they took our payment, even though US Bank extracted the payment themselves. This has been exemplary of every bad experience we 've had with US Bank. We agreed to refinance at their suggestion. And ever since it has been a nightmare of lacking accountability from every single department of the bank. Not one department knows what the other is doing. And none of them will take responsibility and attempt to solve our problems with them. And in the meantime, their ongoing mistakes threaten to damage the great credit rating we had before ever making the mistake of dealing with US Bank. I am quite confident that many other consumers have had to suffer through mishandling like this at US Bank. I want a responsible government agency to help us hold them accountable for their ridiculous grasp on their own business. | ||||||
| 01/24/2022 | Yes |
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| Habitually and repeatedly U.S. Bancorp National Association engages in the business practice that employs discrimination by the source of the income and promotes itself under the promise of false benefit. Currently and consistently in the past, U.S Bank runs the promotion that promises New Account holders Signup Bonus where the terms of the promotion are met. The terms of the promotions " XXXX '' and " XXXX '' are as typical as " open a new eligible U.S. Bank checking account and complete required activities ''. Where activities required are specified as " You must also complete two or more direct deposits within 60 days of opening your account that total : {$2500.00} to {$4900.00} to earn the {$200.00} bonus or {$5000.00} or more to earn the {$400.00} bonus '' and direct deposit is defined as : '' A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. '' " TWO OR MORE direct deposits within 60 days of opening your account '' requirement is onerous and discriminating against consumer receiving benefits on the monthly basis. Such requirement amounts to a False Promise of the Bonus to the recipients of Social Security Benefits. I originally opened checking account in XX/XX/2021 just to realize that as Social Security Benefits Recipient I can not meet the requirement and complete require activities. Social Security Administration requires TWO Monthly payment cycles for the direct Deposit Information to be updated and the " electronic deposit '' is sent to " new eligible U.S. Bank checking account ''. Because of the monthly payout of the Social Security Benefits, there is no possibility that Second Direct Deposit can be completed by such consumer within 60 days. I had to close my relationship with U.S. Bank within few weeks without attempting any activities and receiving any " Welcome Offer '' from U.S. Bank. The initial account deposit was promptly refunded in XX/XX/2021 I made another attempt to establish banking relationship with U.S. Bank in XX/XX/2021. Because I have another Monthly Retirement Benefit source of the Direct Deposit I had to time new checking account opening and I managed to complete the required activities. That time the " Welcome fall with a {$400.00} offer '' was denied since the eligibility condition as " Offer is not valid if you ... '' was extended from " had a U.S. Bank consumer checking account in the last six months '' in " XXXX '' to " had a XXXX Bank consumer checking account in the last TWO years '' in " XXXX ''. Since I made my objections known to the U.S. Bank consumer banking representatives, I was refused the disclosure about U.S. Bancorp Regulators but was advised that I can submit my grievances writing to U.S. Bancorp internal review or to XXXX XXXX XXXX as the Bank 's preferred agency. To make the matter aggravating, the communication with U.S. Bank Email Operations was incomprehensible. It appears that US!!!! Bank Customer Support is using XXXX XXXX for to communicate in XXXX. Further about I refused to let U.S. Bank to address matter internally since my belief that I am not the only consumer discriminated and I don't see compelling reasons why any Bank in US would have such onerous and deceptive business practices. | ||||||
| 05/04/2022 | Yes |
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| I was the victim of a part time job scam. The company promised me payment of {$300.00} / week for having advertising decals put on my car, and sent me a check that included funds for the first week and {$3000.00} to pay the person that was putting the decals on the car. I transferred the funds as soon as the check cleared the bank. Then the company told me that the person coming to place the decals was in an accident and that they were setting up someone else to receive the funds. They then sent me an additional check for {$3000.00} that check cleared U.S Bank ( where I've banked for 20 year ) or so I thought. I transferred the funds to the next person and as soon as I did that, my account was locked. The message I received was on my mobile banking app was that I couldn't get into my account because of a problem on U.S. Bank 's end. I didn't find out until later that day that my account was locked due to fraudulent activity. I left a message on the e-fraud officer 's line and never received a call back. The check cleared on XX/XX/2022 and I reported the fraud at XXXX that evening after I found out why my account was locked. I NEVER received any notice from U.S. Bank that there was an issue on my end or that the check had bounced. After not hearing back from the e-fraud representative I called U.S Bank fraud line again on XX/XX/XXXX, in the morning. I reported the whole issue to someone at U.S. Bank who said they would do an investigation and that a branch manager was the only one that could reopen my account. On XX/XX/XXXX in the afternoon I called the branch manager who said that he couldn't reopen my account until we had funds to put in as the transfers and bounced check left us with a - {$800.00} balance. On Thursday afternoon XX/XX/XXXX, I called the fraud line again to see how the investigation was progressing, I spoke with someone in the e-fraud and fraud departments who said that my account was being closed, and our mortgage payment, which had been issued on XX/XX/XXXX had been sent back, resulting in the overage being paid back and insufficient funds AND a {$100.00} late fee for paying our mortgage. The U.S. Bank fraud representative told me that I was the one who had committed fraud and therefore, I was not eligible for an account with them. I was also told that they would not be doing an investigation into the scam or into the XXXX accounts of the unknown people that I made payments to. There was no attempt to gather the documented information that I had and essentially U.S. Bank refused to help at all. So, now we are out the {$2500.00} that we transferred to the scammers AND we are out bounced check fees and another couple of hundred for returned payment fees on bills that we had scheduled to be paid. AND we have to wait another 4-10 business days to get the remainder of the returned mortgage payment to try and open a new checking account somewhere else. We will NEVER use any U.S Bank account or product again as I feel like they have been complicit with the scammers in taking advantage of an already horrible situation and charging us added fees AND making us out to the be the ones guilty of fraud. I hope that no one ever has to experience a situation like this and that people pull their accounts from U.S. Bank and invest somewhere else. | ||||||
| 04/11/2019 | Yes |
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| To whom it may concern : English is not my first language. Please excuse any error may occurred. My name is XXXX XXXX. ( I also have an other XXXX name " XXXX XXXX '' ) My legal name in the states is XXXX XXXX. However, I use the name XXXX XXXX When i travel internationally to match my passport name. I XXXX XXXX and my god father XXXX XXXX we use a same credit card issues by Fidelity. XXXX XXXX is the premier card holder. I'm the secondary card holder. We have the same credit card number but Fidelity issue us two card, one for XXXX and one for me. On XXXX XXXX I used the credit card made a purchase on XXXX. I booked an air ticket. The trip number is XXXX. Travel Date : XX/XX/XXXX XXXX from XXXX, XXXX to XXXX XXXX, CA. I booked the ticket as my name XXXX XXXX shown in my XXXX passport. The amount of purchase is {$370.00}. The credit card Fidelity fraud department though this was unusual activity, They called my godfather XXXX XXXX at XXXX in the morning asked him if he made a purchase at XXXX. He was half awake at XXXX so he told them no, He did not. The bank aware of we have 2 card holders in this account but they didn't consult with me made a decision charge back the purchase i made in XXXX. what happened is once the airlines ( XXXX XXXX ) received the chargeback request from the credit card, XXXX XXXX sent the website where i made purchase XXXX requested the credit card and card holders Identification but XXXX never notified me anything, As a result, when the deadline date reached XXXX XXXX didn't received the documentations they required, They canceled my ticket. When I found out this, I contacted XXXX they informed me to contact the XXXX directly, I did but XXXX XXXX told me the ticket was purchase from XXXX I should contact the travel agency XXXX. I been push forward between XXXX XXXX and XXXX. No one is willing to help me. The money was charged and the ticket was cancelled. As a result I have no choice but disputed with the credit card Fidelity. Fidelity settled the dispute amount of {$370.00} on XX/XX/2019. They issued credit of {$370.00} to the credit card. However on XXXX XXXX Fidelity sent me a letter states the credit they issued to me is reversed now because the merchant responded to the dispute. According the attachment from XXXX They indicated the charge should not be dispute because it was not a fraud. Therefore the dispute was settled in the marchants favor. I contacted the credit card Fidelity explained to them I never used the ticket it was canceled due to the bank chargeback. Why should i pay something i didnt receive the service? The credit card informed me they wont dispute the issue any further. I will have to resolve this matter with the marchant XXXX. On XX/XX/XXXX, I called XXXX. I was given information by XXXX they will not issue a refund. They said due to the credit card charge back, The ticket was forfeited by the Airlines but the transaction is valid. They refused to refund me. XXXX XXXX in other hand told a different story ; They said the ticket was canceled the card holder should be refund. Since the company who respond the dispute is XXXX. They are the one need to refund me. Please help me. The credit card said they wont dispute any further and XXXX refuse to refund my money. Sincerely | ||||||
| 04/13/2017 | Yes |
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| I opened an account with US Bank in XX/XX/2016, because I was searching for a bank with good online presence, and because I had received a solicitation to open the account with a {$150.00} account opening bonus, if I had made 2 payments of a minimum of {$25.00} within 60 days of account opening. So I made a deposit into the account, and made the two {$25.00} payments within 60 days of account opening. I waited 6-8 weeks after I opened the account to check if the {$150.00} account opening bonus would be made before making additional deposits, but nothing was deposited. Within the following couple of months I called the bank several times to check on the status of the {$150.00} account opening bonus, and I was assured several times that the bonus will be deposited within " a couple of days ''. However, instead of giving me the bonus, the bank instead began charging my account service fees, to the point of overdrawing the account. Additionally, the bank subsequently closed the account, and assessed a {$35.00} account closing fee, and sent me a collections letter asking for the full payment of around {$45.00} and threatening to report the information to the consumer reporting agencies. So instead of paying me the {$150.00} bonus for the new account service, the bank depleted {$25.00} from my account in fees, and then added an additional {$45.00} and charged off my account. I am aware that this is a very small amount, but if this is n't abusive, then I do n't know what is. I then called the bank and was on the phone for over an hour trying to speak with someone but everyone kept bouncing me off to the " online department '' voicemail. I contacted account recovery, left a voicemail for online banking, and spoke with multiple levels of customer service and no one was willing to assist and kept insisting that only this phantom person in online banking can help. In a {$450.00} XXXX dollar institution, they want me to believe that only one person that only answers to voicemail can help! Every single employee I spoke with gave me the same response, and the bank can check their phone records, " I am sorry but I ca n't help you ''. In a {$450.00} XXXX dollar institution not one person can help!! The following is the list of employees who were unwilling to help and kept attempting to transfer me to other areas : XXXX in XXXX - ID # XXXX - Customer Service Representative XXXX in XXXX - ID # XXXX - Customer Service XXXX XXXX XXXX - Account Recovery Representative XXXX XXXX - Account Recovery Manager XXXX XXXX then told me that I will have to " write-in '' to the bank to file a dispute because the customer dispute department and I quote " does not speak to customers '' and then threatened me with the following language " unless you are willing to do the work, this issue will not be resolved '' Are you kidding me? As if staying on the phone for an hour is not " willing to do work ''. And when I got upset about their response, she said that she will disconnect the call! Instead of helping customers this bank misleads new customers to open an account with a fake account opening bonus, and then depletes the rest of the funds in fees to the point of overdrawing the account and then bullies their customers to make payment and not be willing to assit in any way possible. | ||||||
| 12/31/2018 | Yes |
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| XX/XX/XXXX my husband I pulled {$3000.00} from acct at a bank branch in XXXX WA. Too purchase a used vehicle in XXXX WA. Which we did not buy. We visited a friend afterwards and stayed the night. On XX/XX/XXXX thru early am XXXX. ( Processed on XXXX XXXX ). Our accts cards ending in XXXX and card ending in XXXX. Were duplicated and used. Fraud. We are victims of Idenitity theft and had informed the bank already with some previous issues. Especially with the one location which is in XXXX WA. Card XXXX on XX/XX/XXXX atm charge {$100.00} {$300.00}. Card XXXX XXXX WA {$300.00}. XXXX XXXX WA {$200.00}. We have made a police report, FTC report. And contacted XXXX XXXX of my and my husbands identity stolen. Compromised sold on dark web alerts received we given in reports to police and bank. We have asked several times for a new account with new cards because my cell phone with info was on it and someone continues getting into our email accts and XXXX accts. My husband security clearance paperwork with enough info to be him easily and Expired old ID, etc which was from an employee and friends of XXXX and possibly someone employed at XXXX XXXX. These are only disputes we have that continue to be issues. We have our timeline from maps. A gas charge and a XXXX XXXX charge on our bank statements that should show our whereabouts. The bank found in our favor for drinks and food related charges but refuse to investigate or return money from atm because pins were used.which we are not sure the police state the cards were counterfeit and duplicated but the bank wont return money that was stolen from us. They have provided already dubbed and unreadable evidence on one dispute in XX/XX/XXXX and asked us to prove out whereabouts, get something showing we asked police for video footage which page 17 in police report shows us asking and also providing a photograph to compare. The bank has done everything possible to confuse us. To give us run around transferring from dept to dept And refusing me once with asking for supervisor. I do have phone recordings but need email address to send for proof as well. Usbank is not giving us pur money from atm nor gave us another acct like we asked or helped o believe they must be stealing from customers whom they think cant fight them in court they hve mocked my XXXX XXXX issue and been unreasonable {$910.00} plus {$10.00} atm fees for fraudulent counterfeit or duplicated cards. We want back. We want XXXX close our accounts and goto a more honorable bank but not until we are paid back. We have pleaded and given them everything they asked for yet still denied. Also the XXXX complaint I get dubbed unreadable evidence in mail that is for the XXXX for a charge we told them went thru but nothing for the XXXX of XXXX that we disputed which is {$800.00}. We were in contact with their fraud dept our cards were locked so how did money get taken out? We have similar atm withdrawls in XXXX and Also that match up to these disputes And fraudulent charges I feel Usbank needs audited or investigated for wrong doings. Please return our money so we can move on to a better way of banking. I have alot of faxes I sent and records and it's too much to attach please send me a way to send large files. The world should see Usbank is not the place to bank. | ||||||
| 02/18/2016 | Yes |
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| It is my opinion, and several US bank employees, that my loan account was not handled correctly, expressly from XX/XX/2009 and on. Us bank claimed that I missed a payment ; when we asked what payment is missing, we have been negligently misled and misinformed all the way to the end of the loan term. Each payment US bank stated was missing we proved them incorrect with documentation, then when we would provide the proof, they would state that is n't the cause of the missing payment. An automatic payment needed to be changed due to a Bank change, our bank was sold, and US Bank did not process the form I sent in at their request. A loan extension was not properly processed, a two month extension was processed as a one month extension and later corrected when we provided proofs multiple times. After the loan matured, we received a bill that to this date can not be explained by anyone at US Bank. I paid the late fees I am responsible for, and I have requested that they resolve the late fees they have generated by the mismanagement of the account from 2009 forward. The remaining unpaid balance on the loan has yet to be explained, except for yesterday when I was told it was the extended two payments, which were paid at the end of the loan term. The contract they have provided is not the contract I signed, I have the original carbon copy form, so I want to know what legal grounds they have for a remaining balance when all the installments have been paid and accounted for. I have been reaching out to US bank customer service, to our bank manager and other banking departments including recent letters to the bank president with very direct questions and response come, delayed, without answering the direct questions and specifically not answering questions multiple times from myself and the bank manager. US bank has damaged me furthermore by charging off this loan in XX/XX/XXXX when they were fully aware that there were unresolved questions on the final bill that they did not address. This charge off has affected my credit, which has affected my business as I lost my preferred rate for my contractor 's bond, let alone their incorrect reporting of the loan being late when it was US bank that handled our loan negligently. We respectfully request assistance in getting us an accurate final bill per the terms of the loan, Get us a copy of the legal and binding contract for this loan, Get us our signed off Title for this paid off vehicle, Require US Bank to reverse their charge off and clear their incorrect late payment reporting due to US bank 's loosing negligence, get US bank to remove all Late fees they are responsible for due to their negligent and incorrect servicing of our loan. We are including letters we have recently sent and US Bank 's responses. We have requested copies of transcripts from US Bank that records the historical events of the phone conversations and notes from US bank that proves not only their negligence, but arrogance by calling me " some kind of stupid ''. I believe the improper training and lack of supervisors with authority to make corrections are on purpose to squeeze more fees and money out of customers ; the response to my request for copies was that I " would have to sue US bank '' for those. thank you in advance for your time. | ||||||
| 09/09/2019 | Yes |
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| I am the seller of a home in XXXX, Tennessee. The buyer came to me pre-approved through US Bank with an offer on my home on XXXX XX/XX/2019. We signed the contracts and agreed to a closing date of XXXX XX/XX/2019. His mortgage agent, XXXX XXXX, with the US Bank office in XXXX, Kentucky, informed her client and I all that was well and on track for closing on XXXX XX/XX/2019. Two days prior to the closing date, we learned she failed to follow up with the appraiser who did not show up until XXXX XX/XX/2019. This was the first time the closing was postponed, as the appraiser 's report did not arrive until XXXX XX/XX/2019, with stipulations, which I promptly rectified. XXXX XXXX failed to inform her client, the buyer of my home, that the FHA program they were using for this home expired on XXXX XX/XX/2019 ; this then required the buyer to seek another mortgage program. They agreed to a conventional mortgage, and we amended the original contract to allow for any stipulations, including closing costs. Due to delays caused by the lack of contact availability of either Ms. XXXX, or her supervisor, XXXX XXXX, with US Bank, we later learned that under US Bank 's, around the last week of XX/XX/2019, that the underwriter required a home inspection, which I thought strange as I was selling the home " as is, as seen. '' Of note, I have been surprised at the amount of time Ms. XXXX, and Ms. XXXX take off from work, and their lack of courtesy in informing their client, the buyer, or myself ahead of time of a planned absence ; whenever I call, I rarely get either of them on the phone, only to learn that Ms. XXXX is off " volunteering, or I have to learn through their voicemail messages that they re out of the office for yet another three days. The buyer had the home inspected, and over the course of another week, all recommendations were promptly rectified, under the verbal agreement that once those repairs were made, Ms. XXXX would submit for a three day close and we would close either XXXX XX/XX/2019, or XXXX XX/XX/2019. In the afternoon of XXXX XX/XX/2019, my wife, XXXX, contacted Ms. XXXX after seeking to contact her all week. Ms. XXXX told XXXX that the buyer had a credit card, long since paid off, that the credit card 's bank failed to verify the card had been paid off. A phone call to the credit card 's by the buyer revealed no attempt for contact nor verification had been attempted on the part of US Bank. At the time of this writing, neither Ms. XXXX, Ms. XXXX, and as of yet, Mr. XXXX XXXX, the vice president of US Bank in XXXX, Kentucky, have been available for contact, and neither the buyer nor I have any indication my home will close in the near future. This has put my family in a financial situation, as we are currently living in a borrowed camper, and have been doing so since XXXX XX/XX/2019, in order for me to assume my new position as a teacher in the local high school in my new location. Ms. XXXX 's lack of due diligence, will potentially cost me the house I have been in the process of buying in Louisiana. I hereby request steps be taken to rectify the poor abilities of this mortgage agency to perform their duties prior to me and my family losing the remainder of our savings to maintain our existence while I work, and my children attend school. | ||||||
| 10/14/2018 | Yes |
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My problem is that I never consented to be opt in overdraft protection. I opened my account less than two years ago. Its us bank procedure to have this protection automatically opt out every customer unless the customer opt in for the coverage. I first started my application online and than it wigged out and I lost the page so to finish opening account I went in and spoke with a teller, never was I asked if I wanted to opt in to this coverage. Whether online or with the teller this " protection '' was never mentioned. This being said I would had never been charge 6 overdraft charges nor the extended overdraft ( 7 business days ) had they not automatically opt me in without MY consent. This being said I asked for proof and to know avail. In fact she assumes it's when I opened the account I opt in, wrong. USBANK cant prove I EVER consented online, teller, over the phone, cause I never GAVE MY CONSENT. Yet there solution is to do nothing and ignore my request. That being said the first time I called spoke with XXXX XXXX he had laughed at me when I asked for a supervisor after he continuously interrupted me and than hung up. It's just one big joke to Usbank. They violate my rights and I have to pay for their mistake? Deny my request as again I never gave my consent for coveragE. AGAIN ITS USBANK default for new customers TO automatically be opt out of THIS coverage unless the customer opts in. This isnt a courtesy, this is usbank error and fraud. Mind you my account balance was never negative just the available. So all I owe is the 6 fees when I should of had none as I didnt opt in in to this coverage. Here is there response On Thu, XX/XX/2018, XXXX XXXX |
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| 11/27/2016 | Yes |
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| I purchased XXXX XXXX XXXX cards recently, and loaded {$500.00} on each.I have had major issues with XXXX of the XXXX cards. When I have called into the customer service number XXXX, I received inaccurate information and was talked to in an inpolite and inappropriate manner by customer service agents. On XX/XX/2016 at XXXX pm, I placed another call to resolve yet another issue, and spoke to an employee who was nearly crying and appeared on the verge of an emotional breakdown. I explained to the employee that the problems I was calling about were not my fault and I was simply seeking a resolution to them. This employee was extremely unprofessional and nearly broke into tears at several points in the conversation, despite my calm and polite demeanor throughout the call. I was simply calling about XXXX major issues I have had with my prepaid cards which are as follows : Issue XXXX : The first card I purchased did not work - I was told by the customer service agent on a previous call that it was a defective card and that they would be sending me a new card to use by XX/XX/XXXX. This has caused a significant financial hardship to me by creating a period of time when I did not have access to the {$500.00} XXXX put on this card. Issue XXXX : The card I purchased ending in **** was used to make a purchase of {$380.00} for a lodging rental. However, my card was charged {$440.00} - an extra {$58.00} dollars that I was unaware of. This also caused a financial hardship by having less available on my card than what I had planned. This is what I called the customer service agent about on XX/XX/2016, when I was spoken to rudely by a customer service agent who was on the verge of an emotional breakdown. The customer service agent then explained to me that for lodging or rentals, an extra XXXX % is taken off of the card and returned 21 days after purchase, in case it is " used for a tip or deposit ''. However I confirmed that the lodge themselves only charged {$380.00}. The extremely emotional customer service agent then told me that this amount would be returned to my card XXXX {$58.00} XXXX up to 21 days after the charge. Despite this was the first time of me learning about this ( and having done multiple hotel transactions in the past without this issue ), she explained this to me in a very rude and demeaning way. I ended the call by politely saying that I did not cause these problems and did not appreciate the way I was spoken to on the phone call. I understand this customer service agent must be extremely stressed out by the immense amount of problems that KPF prepaid seems to be having after changing their system early in XX/XX/XXXX XXXX as I was told on a previous call ) but this is absolutely not an excuse to be rude, impatient, or demeaning when people call in with problems that are completely not their fault. I felt like saying some extremely mean things to this employee because of the way they spoke with me, but instead held my tongue and politely told them that I did not appreciate the way they spoke with me. I have used XXXX prepaid cards for years without a problem. Now, I have had XXXX major problems with them in a month resulting in a ( hopefully temporary ) loss of {$550.00}. I really needed the cards to work to pay bills this month. | ||||||
| 03/15/2023 | Yes |
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| When I opened the US Bank account I charged an item. I never received a statement or payment request. I sent in {$35.00} anyway. They sent me late fee charge. I complained and they reversed the charge. Their 1st they came back with a late fee-weird. They never sent me paperwork for bills/min. payment so I continued to send {$35.00} per month. I transferred credit card funds from another card. They were suppose to give me a year before any interest, they violated that & again no paperwork that they implemented the transfer early. All of a sudden they are saying I owe them over {$500.00} and created all these false charges and late fees. My debt went from XXXX to XXXX. I submitted a XXXX complaint. They tried to intimidate me with sending books of paper, more than 50 pages at a time saying I owe them all this money. This is onlyXXXX I have no other cards and have a XXXX credit score. Then they attacked my credit score 1st took it down to XXXX then attacked it again so it is now XXXX without consulting me or communicating with me. I've have had my home over 37 years, I pay all my bills. This company is not sane. After fighting for months they sent a paper if you pay {$76.00} per month we will only charge 4 %, I accepted that but they kept sending books of papers with different amounts of over {$500.00} per months required. I told them I will not be intimidated. They have violated this before and penalized by you. Looks like they continue the same practice to intimidate smaller customers. I have no other bills or companies that would impact my credit score, all bills are paid on time Government Action : XXXX reports on known government actions involving business marketplace conduct : : CFPB Consent Order On XX/XX/XXXX, the business entered into a settlement with the Consumer Financial Protection Bureau ( CFPB ). The CFPB alleged the business illegally accessed its customers credit reports and opened checking and savings accounts, credit cards, and lines of credit without customers permission. The CFPB found that U.S. Bank violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Under the terms of the settlement the business paid a {$37.00} XXXX penalty to the CFPB, and the CFPB will deposit it into the CFPBs victims relief fund. The business is also required to develop a plan to remediate harmed consumers by returning all unlawfully charged fees and costs, plus interest. The Consent Order was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. For more details go to the below link. U.S. Bank provided the following response : " This settlement related to legacy sales practices involving a small percentage of account dating back to XXXX. Since XXXX, the Bank has made process and oversight improvements that have been effective in addressing these sales practices concerns. The concerns were focused on opening checking and savings accounts, credit cards, and premier and reserve lines of credit without customers permission. The accounts at issue were consumer, not business or institutional, accounts. The action by the CFPB closes out a 5+ year investigation. We are pleased to put this matter behind us. '' | ||||||
| 06/17/2020 | Yes |
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| On XX/XX/2020, I contacted my current mortgage company, US Bank, to refinance my home. I completed the process by submitted all supporting documentation ( tax documents, pay stubs, employment history, et ) in a timely fashion. On XX/XX/2020, I paid {$390.00} for the US Bank-selected appraiser to appraise my home ; XX/XX/2020 is the closing date for which I was told to prepare. On XX/XX/2020, I received the appraisal and contacted the Loan Officer and the Loan Processor on XX/XX/2020 asking if I read it correctly because I believe that there was an error. The Loan Processor told me that if I challenged their appraisal, " the only way to dispute the appraisal is for you to provide at least 3 additional MLS listings that have sold in your area in the last 6 months, and write up a detailed explanation of what you feel is inaccurate on the current appraisal. We would submit that information for review but you should know that it is extremely difficult to get a dispute approved. At this time I am needing to know how we are going to proceed so I can get your loan to underwriting, which needs to be done by the end of the week. Please advise as soon as you can if you intend to move forward with a dispute, with the loan as is, or cancel. '' On XX/XX/2020, I provided the following response : " My home has 7 rooms, 4/bed 2/baths, 1,993 gross living area and 2,304 total sq. ft. Site : 6600 sq. ft. According to your appraisal, you selected 2 single story ranch homes in close proximity to my home and one 2 story ranch home. However, your selected two single story homes that have total of 6 rooms and your two story home with 7 rooms. All of your comps have a total of 3 bedrooms. The gross living area of your homes are 1670, 1671 and 2070 sq. ft. respectively. The site of the comps you picked range between 5400 sq. ft. and 5500 sq. ft. My home has 1,993 gross living area and 2304 total sq. ft. My site has 6600 sq. ft. The average Sale Price/Gross living Area of your homes would be approximately {$120.00} per sq. ft. Your suggested Sale Price/Gross living Area for XXXX is {$100.00}, far below all of your single story ranch comps which is approximately {$120.00}. Also, note the difference in lot size. Using your comps, with an average of {$120.00} per sq. ft. would suggest a value of {$230000.00}. If you make a -.4 % adjustment, a {$110.00} Sale Price/Gross Living Area would suggest a value of approximately XXXX " It is important to note that the Loan Processor wrote me back on XX/XX/2020 stating that my argument was compelling but that I must get 3 MSL listings with images and the specified information before my request would be considered. On XX/XX/2020, I sent the Loan Processor the requested information and the original floor plan of my home indicating 4 bedrooms, not 3 and stated, I want to be treated fairly ''. The Loan Processor put me in touch with her Supervisor who contacted me a week ago and I have yet to hear back from anyone. I paid the application fee, submitted a valid complaint, and have not had a timely response nor resolution to my query. I want to be treated fairly and not be cheated out of the value of my home. This is the 2nd time in the last 3-4 years that US Bank has given my problems when I have attempted to refinance my home. | ||||||
| 05/15/2019 | Yes |
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| On XX/XX/19 i went to the US bank at the XXXX XXXX in XXXX Arizona to deposit a bank check from one of my other bank accounts into my business account. Now mind you this is branch that i opened up my Business account at. So as i walk in there is another gentleman a white male who is in front of me walking up to the teller. He says he has several deposits to make in behalf of the company he works for as well as other transactions. The teller begins to assist him and they talk about what happened over the weekend pool parties etc even to the point of showing pictures from there cell phones. As all this occurred never once did she ask for any form of ID before assist in making his deposits. They were taking a long time talking more then working and i was on a time schedule. So i asked politely excuse is this transaction going to take a long time? My reason was because if it was i would have gone to ATM and made my deposit. She the Teller answered i have 4 deposits and the customer remarked sarcastically i upset this gentleman behind me. So as things wrapped he walked away i walked up to the window and the teller who was white female just walked away and went to the window to help someone else. I do realize she was the only teller there at the time but never said a word to me about i be right with you excuse etc. So i stood there just looking into space she finished with that customer and said how may i help you. I signed the back of my check handed it over to her along with my business debit card which has my company name and my name on it and said i would like to deposit this into my business account. She looked at me and said i need your ID in order to make the deposit. I asked why do i need ID i gave you my business bank card. She said we need ID 2 forms thats our Policy you can use the ATM if you dont want to give your ID. I said you didn't ask the guy in front of me for ID and you handled his deposits. She said it policy i need your ID to access the account. I said im not asking to withdraw money im not asking for a balance or anything im putting my money in and i need 2 forms of ID to put my money in the account. She said again your more then welcome to use the ATM. I said i opened my account at this Branch who is your manager do you have a manager i can speak to. She stated we dont have a manager we have a manager that is filling in. At that Moment a gentleman who was XXXX who was helping 2 people in the office area came walking out at a hurried pace full of adrenaline with his chest puffed out. Is there a problem what is going on he said. I said sir im trying to make a deposit in my business account that i opened here at this branch i gave the teller my business card and now your asking me to show 2 forms of ID thats absurd. He said this is our policy if you dont like i would be more then happy to close your account. Whoa Mind you if you had a question about who i am i opened my account there at that branch which i stated many times my ID is on file the can pull that up. Also i was the only person of XXXX in the branch and no one else was treated under that policy in the Branch only myself. At that moment i walked out. I felt and feel so Humiliated by being discriminated against because of my XXXX. I was shaking the rest of the day. | ||||||
| 12/19/2018 | Yes |
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| I went through a divorce. The terms of my divorce stated that I had 18 months to refinance the marital home. I went to US Bank who held the FHA loan for the marital home. US Bank was able to secure a conventional loan solely in my name for the property. I closed on my loan on XX/XX/XXXX with XXXX XXXX at the XXXX XXXX location. I received the documents that I had signed at closing. The same day after I closed on my loan I was told I still needed to make a house payment that day for the original FHA loan even though it had been refinanced. XXXX indicated once the refinance went completely through I would get a check for the payment I made, which was {$820.00}. On XX/XX/XXXX I received a phone call from XXXX XXXX at US Bank telling me the numbers put on my closing papers for my conventional loan were incorrect and I owed them money for interest. I reminded XXXX that the day of closing, I made a payment of {$820.00} to the loan that was refinanced and I never received it back. He couldn't tell me the exact amount of money that I owed or where my payment had gone to. I instructed XXXX to not call me back until he had answer for me 1. how much money I owed since the closing papers were wrong 2. What happened to my {$820.00} payment that I made at closing on XX/XX/XXXX. That evening I called the US Bank customer service number because after talking to XXXX I had a feeling the original mortgage was still open. The Customer Service department informed me my refinance had turned into a big mess. I did indeed have two mortgages open. The notes on my account indicated that XXXX never requested a pay off for my loan and they couldn't figure out what numbers were used on my new loan at closing. The Customer Service agent said she would email the VP over that branch to call me. On XX/XX/18 I still didn't hear from the VP so I called the branch and was told XXXX XXXX was the VP and was given his direct phone number. I called him two times and left Voice mails and heard no response. On XX/XX/18 I began receiving Collection calls from US Bank Mortgage department because I didn't make a payment on my original FHA loan. I tried to explain to the agent this loan should be paid off because I had refinanced it on XX/XX/XXXX. The agent didn't understand and was trying to convince me to make a payment so the calls would stop. I received 4 calls in one day from the Collection department at US Bank. After the first call I immediately hung up and called XXXX. He was working on the ATM so his co-worker XXXX said he would have to call me back. About 30 mins later XXXX called me back and told me good news, US Bank would be covering the amount of interest from XX/XX/XXXX and XX/XX/XXXX that was shorted on my closing statement. I asked about my payment and XXXX told me I wouldn't be getting that back. So really US Bank is using my payment to correct their issue. I kept trying to explain to XXXX that if I made a payment after closing on XX/XX/XXXX that would have reduced my principle balance. He said that was not true. An additional problem is that the Court in which my divorce went through was notified that I had refinanced the marital home and it was out of my ex-husbands name. That however is not the case, I currently have two active loans for one property. | ||||||
| 11/22/2016 | Yes |
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Web | Servicemember |
| I am administering my father 's estate who passed away in XXXX. At my mother 's request and her estate planning attorney ( my parents had been married over 50 years at the time of my father 's death ), I am gathering information about their estate at the time of death. On XXXX XXXX, 2016, I wrote the corporate office of US Bank in XXXX XXXX, XXXX, provided a copy of my father 's death certificate, my mother 's acceptance of trust as successor trustee of their marital trust, and her notice of power for myself to act as her agent. I requested the account statements for XXXX XXXX and XXXX 2016 in order to provide the documentation their attorney requested in order to prepare their Estate Tax Return. On XXXX XXXX, 2016, I heard back from XXXX at US Bank, XXXX, who told me that she had received our request and that she would be forwarding it to the local branch office. She said that I should hear back from the local office by the end of the week. Three weeks later, on XXXX XXXX, Assistant Manager XXXX XXXX from the branch office at XXXX XXXX XXXX, XXXX, CA XXXX, called me and explained that my mother was at her office for the third time. She told me that in order to get these duplicate statements, I would have to personally visit a US Bank branch office ( there are no US Bank offices in XXXX where I live ) to fill out paperwork. I explained to her that we were not changing the ownership information, we just needed duplicate account statements. She demanded a certified copy of my father 's death certificate which I provided to her the same day ( attached letter is erroneously dated XXXX XXXX, but was sent on XXXX XXXX ). On XXXX XXXX, I received some ( but not all ) account statements presumably from XXXX XXXX although there was no cover letter attached. On XXXX XXXX, I emailed XXXX XXXX, and explained that I needed two items : 1 ) title information for XXXX accounts for which she sent a transaction history instead of account statements so that our estate planning attorney can determine the ownership of these accounts and include in the Estate Tax Return, if necessary ; and 2 ) account statements for one of the accounts that I did not receive any information about. XXXX XXXX wrote back : " With all due respect I wo n't be able to provide any information about your father 's or mother 's accounts since you are not a signer on those. I have provided your mom the statements that she requested, however any inquiry about her or your dad 's accounts need to come from her directly. She is the only signer on these accounts. '' In a later email, she again repeated that I would need to visit a local branch in order to change the ownership. I repeated that I had provided her with the power of attorney drafted by my mother 's estate planning attorney, executed by my mother and notarized, and that we only wanted account statements, not to change the title or ownership of the accounts. If there was information that US Bank needed from my mother, she was in the branch office on three separate occasions after I sent my letter on XXXX XXXX, and should have requested that information then. It has now been six weeks since I sent my request for information. The Estate Tax Return is due in another three weeks and US Bank is refusing to cooperate. Please help. | ||||||
| 08/04/2016 | Yes |
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| My lender us bank sold my home at auction while i.was in the loan modification process. I was not given qny indication there was anything missing from my packet i sibmitted in the letter they sent me confirming receipt ofy packet. I contacted the lender and was told to send the tax form again which i did three times. This was the missing document they are xlaoming not received and reason for denying my packet. I did not receive a letter stating it was denied for four or five days after the home sold!!! The letter was written on XX/XX/XXXX but not mailed umtil two days before the.sale. they knew it could not reach me in time before the sale. My home also was damaged and a claim filed by us bank and myself. Was not paid and us bank has with held funds. They sent a letter in response to my complaint to respond to my complaint and lied to the investigator stsing they never received any estimates. I sent several emails repeatedly to them which i still have and.saved. us bank ignored all my communications to them as well as lied to the investigators i called the lender mulitiple tes sent emails and i am placed on hold and disconnected. I hired an attorney to fight the foreclosure sale and was not given my chance to speak and feel the judge which admitted her self she was unclear on parts of the case did not rule correctly or fairly. I had a right to respond to a denial letter for 30 days. I was not given this opportunity. I was not even given one day. The bamk simply sold the home. Irs value is XXXX currently and was given away at XXXX with my last payoff showing i owed XXXX and was more than half way through my 15.year loan with them. I told them i wpuld pay off the loan if the application was denied with the belp oc a camily memeber additionally i had other ways to keep my home with bankruptcy and other legal measures that cpuld have been used. I owned my home for 15 years and lwtting my home be sold was never an option for me. I was then evicted from my home by police.i was not served a notice of this and was told to leave by police. My belongings have sin e been thrown put in the garage damaging most everything and breaking them. I am currently homeless and staying in a motel i can not get a rental as i show and eviction and foreclosure now. I simply asked the bank to let me pay my payments and catch up my loan and this ia what i received in return. They are liars.the group has lied and i have proof of thiz and would like to have an investigation face to face with someone with your grpup to review my paper work. There is far to many things to submit via email and to much to explain or an email address ro forward fhe many many many emails us bank claims not to have received would be best i attached one estimate of my heat system. With this complaint but are several more that they told your investigators they did not receive and lied to you. Forwarding email wpuld would be best to review my. Complaint and you will see clearly the truth in my complaint and the lies being told by the bank. Please confirm receipt of this complaint anx reply with an email address to send them to.please and thank you The attorneys are even confused by all of it. I need someone with a.open mind to review this case. It is not right what thwy have gotten away with | ||||||
| 04/20/2018 | Yes |
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Web | Older American |
| On XX/XX/XXXX I paid XXXX XXXX XXXX via XXXX XXXX ( U.S. Bank ) {$1700.00} for a window installation from " XXXX XXXX '' a merchant I found on XXXX XXXX XXXX. XXXX XXXX XXXX immediately paid XXXX XXXX the {$1700.00}, as reflected on the work estimate XXXX XXXX emailed me on XX/XX/XXXX. However, Build-It Green delayed the installation twice and I had reason to lose confidence that it would complete the work at all so on XX/XX/XXXX I backcharged the {$1700.00} that I had paid. Upon doing this, XXXX XXXX was motivated to do the work, did so on XX/XX/XXXX and desired to be paid by check which I did. I have the canceled check and an invoice from XXXX XXXX showing the payment of {$1700.00} as well {$630.00} for additional work and a {$54.00} tip for a total of {$2400.00}. I sent all of this documentation to XXXX XXXX on XX/XX/XXXX no response from XXXX XXXX. On XX/XX/XXXX I discovered that the provisional credit of {$1700.00} issued by XXXX had been removed and I was now being charged for a service I had already paid for. I called XXXX 's XXXX XXXX and demanded to know why I was assessed this charge. The rep I spoke with ( XXXX ) on XX/XX/XXXX said the dispute was not resolved in my favor because XXXX XXXX XXXX did not furnish a letter stating that the merchant had been paid but did tell me that the case was being reopened and I would have a determination on XX/XX/XXXX. I was able on XX/XX/XXXX to obtain a letter from XXXX XXXX XXXX stating " Per our call, the offer you purchased with {$1700.00} for 4 Energy Star Windows Including Installation with XXXX XXXX has been filed for a charge back and it seems you have paid them ( XXXX XXXX ) and it seems you have paid them directly for the service. If you provide proof of payment to your financial institution, they should be able to refund the charge to XXXX XXXX XXXX for this offer. '' I faxed this letter early on XX/XX/XXXX to XXXX. I called XXXX 's XXXX XXXX to confirm receipt of this fax and was told to expect a resolution of the dispute by XX/XX/XXXX. I called back on XX/XX/XXXX and was told the dispute would be resolved by XX/XX/XXXX ( today ). When I called today, I was told that the dispute settlement department documented having called me on XX/XX/XXXX, leaving a message with my " instructions for further steps. '' I checked by voice mail and found no message from XXXX nor any record of an incoming call. I called XXXX again insisting on speaking to someone in the dispute settlement department and was told that they did not take incoming calls but that someone would call me next week detailing the " additional steps '' I would need to take. I have already furnished proof of payment by check for the disputed amount, an invoice showing payment and documentation from XXXX XX/XX/XXXX that I do not owe them {$1700.00} ( which was paid to the merchant on XX/XX/XXXX. ) I don't know what " additional steps '' I can possibly take. Customer service on the part of XXXX XXXX has been unacceptably poor. The XXXX XXXX supervisor ( " XXXX '' ) told me this morning " This is how all card companies do business ''. I asked XXXX how I could file a complaint regarding the poor customer service I'd received by her company and was not given any options, although certainly she must have known about the CFPB. | ||||||
| 04/28/2016 | Yes |
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| After my husband 's chapter XXXX filing, we were no longer receiving mortgage statements from US Bank. They did however send an informational statement once per year. In reviewing, I noticed that the amount applied to interest seemed incorrect. We never missed a payment and always paid our payments on time. I requested and was sent a history of our account. A payment in XXXX XXXX, made on time and for the proper amount, was posted entirely to interest. In addition, the amount applied to principal was larger some months than others and at times, posted several days after received. When I called to question, I was told we had a simple interest mortgage and that the XXXX payment that was applied to interest was " probably for fees ''. I disputed the simple interest mortgage as I was sure our terms were conventional and when questioned more on what kind of fees we were assesed, was told my claim would be researched. After several phone calls I was told I needed to request everything in writing. Several letters have been back and forth. In one letter they told me I have a simple interest mortgage which explained how the payments were applied. When I requested proof that our mortgage was simple interest, they then made a correction of the misapplied payment from XXXX and explained that our mortgage was not simple interest that this was an error. I called to request explaination of how the correction amount was calculated and was told they used an amortization schedule. I requested a copy. They stated that one was sent with the letter ( it was not ) but they would send another. I never received. I called to request again and was told this was not possible with my type of mortgage. I explained that I was told this is how they corrected the error and I would like to see the numbers. After being put on hold, the rep said, ok we will send you one. This week, I received a letter saying they could not provide this to me but I could go online and find one. In the letter, they also stated that my maturity date for this loan is XXXX XXXX when it should be XXXX XXXX ... another error. It appears my mortage is incorrect and inaccurate but since I started this process one year ago, I have decided I need help to resolve this. I am not sure why this has been so difficult or has taken so long. In summary I would like 1 ) an explanation of the calculation that corrected the simple interest error and the misapplied payment 2 ) I ran my own amortization schedule and based on my findings, my principle is balance is currently incorrect, this need to be correct or provide me with a detailed explaination 3 ) Correction or detailed explaination of why my my maturity date is now XXXX XXXX ( stated in the XXXX XXXX letter ) when my loan documents state maturity date is XXXX XXXX. I also feel US Bank needs to be investigated. Had I not been extremely persistant, they would have never corrected my loan type or the misapplied payment. Consumers in bankruptcy do not receive statements, is US Bank using this to profit from " errors '' that are easy to hide when a consumer does not see how the payments are applied? In addition, do they make it so difficult and time consuming to resolve that they figure most people will give up? I am beyond frustrated and very disappointed. | ||||||
| 04/27/2018 | Yes |
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| All my issues began XX/XX/XXXX and still has not been resolved as of today, XX/XX/XXXX. On XX/XX/XXXX I called mortgage customer service to make my XX/XX/XXXXpayment. The customer service lady told me I owed over {$3000.00} and was I calling to pay the balance. I told the lady there had to be some type of error because I had proof of paying my mortgage each month. She transferred me to XXXX XXXX. He reviewed my account and said everything looked good and He didn't know where the balance came from and would check into it and call me back in a few days. A few days called and He never called me back. I attempted to call him but was never able to reach him. By the 3rd week of XX/XX/XXXXI had no resolve. I called XXXX again, but I was transferred to a woman, who practically told me it was my fought for being behind due to not paying my mortgage. I told the lady that was untrue. She put me on hold and came back with a different attitude. She informed me that escrow said I owed over {$3.00}, 000 for home insurance they bought for me and once I pay it then they can turn around and give me the money back as a refund. I told them I had sent in documentation at the beginning of the year that I had my own insurance and because they put it in the system late I shouldn't be penalize. Escrow dept told me that once an insurance for me is added they can't update it until a year later. I informed them that I didn't have that type of money and it doesn't make sense for me to pay it just to get it back. I was told there was nothing they could do, but for me to pay the money. The lady gave me three options1. Pay the money 2. File a complaint 3. Sell my house or we if I qualify for a payment plan. I filed a complaint and they were ready to resolve it by crediting me for the months I actually had insurance. I thought everything was good. 2 weeks later I get a call that I still owe for XX/XX/XXXX. Mine you they they added my XX/XX/XXXX payment to XX/XX/XXXX which looked like I never paid XX/XX/XXXX. So I filed another complaint to get my payment credited to the correct month. I was told it would me another week and that by XX/XX/XXXX it should be fixed. WhenXX/XX/XXXX came I was getting calls that I still owed for XX/XX/XXXX. I had to explain the situation over and over again over 8 weeks. I talked to at least 10 different people. I called the mortgage company again and I was told the wrong work order was requested and it did not go through. So they had to do another and it would take another week. I was told that I had an overage in my escrow account and that would be applied to XX/XX/XXXXto bring my account current. I was also told not to pay XX/XX/XXXX's mortgage until XX/XX/XXXX was fix. OnXX/XX/XXXX customer service called again and I explained the situation again then was forwarded to a supervisor name XXXX. XXXX reviewed my account and stated that it appeared that the wrong work order was completed the last 3 time and that's why an update was not given. She stated she talked to the escrow unit and they are to fix my case within 72 hours and because I have an over of 1100 in escrow I only owe XXXX for XX/XX/XXXX. She said she will watch my account to make sure it updates. We will see ... they have missed up my credit these past 2 months ... XXXX XXXX | ||||||
| 11/12/2021 | Yes |
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| We were told we had to open a checking account with US bank when we refinanced our house with them. The checking account was opened and was not used. When we got the HELOC with them in XXXX ( 6 months after account opening ), we were told that we had to us the checking account for a direct debit. We left enough money in the account just to cover the debit. In XX/XX/XXXX, we went through another refinance and paid off the HELOC with US Bank ( $ XXXX ), AND we paid off a $ XXXX credit card that we had with them. We were told that since the bank account ( in branch ) was attached to the HELOC that it would be closed at the same time. Fast forward to XX/XX/XXXX, I find out that our account was closed, charged off and being reported to check systems for a unpaid balance of {$200.00}. I called on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX to get answers and see what happened. That is where the XXXX started. First, I would not have paid off over $ XXXX in debt to US bank to leave a charge off balance of {$290.00}. it makes no sense. I tried to tell US bank this, and all representatives agreed. Then, I found out that they charged me another payment AFTER the payoff was made ( they made an error in calculating the payoff ) and charged me fees for two months until the account was closed- hence the balance. I submitted a complaint, the only thing they did was send me my bank statements. I appealed the complaint, again, no resolution. I called and tried to make a payment on the account, only to find the account has several issues. 1. The account was coded wrong as a " litigation '', when in fact i got to that department, they said it was not with them. The account was not housed anywhere to even pay and no representatives would help. I was sent to 6 different departments on XX/XX/XXXX alone. I called Recoveries, Account services, Litigation, customer service, and collections. I called 3 levels of managers and left a total of 7 voicemails for XXXX, XXXX, and XXXX. No return calls. 2. When I got the social media team involved, XXXX also called with me to recoveries to try to make the payment. Not only is the account coded wrong, my NAME ( XXXX XXXX ) was not even on the account- only my social. So she could not even make a payment! 4 times we called trying to make payments and not a single person could take a payment because the account was not set up properly and had some issues associated with it. This information was submitted back through the social media team to corporate, who did not even address this. Issues : 1. The account I am being penalized for is not even set up correctly with correct information. My name is not on the account and it is coded improperly. 2. I am being penalized for an account I can not even make a payment on. This has been going on since XX/XX/XXXX. 3. I am not getting return calls from the Bank, its managers or anyone who promises to " fix '' this issue. The continue to drag me through a process of appeals, when in fact, I can not even pay. This should have already been resolved and cancelled. 4. In addition to the fact I can not even pay the balance, this account should have been CLOSED at the time of the HELOC being closed. 5. This account does not even have my data correct in it. | ||||||
| 03/25/2021 | Yes |
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| I am contacting you to notify your office of the egregious, aggressive and illegal debt collection tactics that US Bank has been engaging in. I have been misled and victimized by misrepresentations made by their collection agents. I have been promised resolutions that do not exist, and as a result tens of thousands of dollars that I do not have were withdrawn from my bank account. I trusted US Bank and have made good faith efforts to resolve the situation but instead get half truths and misrepresentations and an attempt to force me to sign a confession of judgment. I feel this is outrageous and unacceptable. I began using equipment financing for my business in the year XXXX. I have always paid my loans on time. When Covid-19 hit, my business was severely impacted. My revenues dropped 75 % due to the lockdown in my county in the spring. US Bank has made tens of thousands of dollars off of me in interest and regular payments for years. Now I am in a terrible situation -- many of my customers are in trouble and have asked for reduced payments or they are not paying us, or they have gone out of business. I have lost more than half of my old customer base and I am unable to put anything towards marketing right now. I have worked on several different avenues to improve the business and so far it does not seem sustainable due to the lack of business recovery in my region. The new shut down order that went into effect in XXXX is another nail in the coffin for my business. If I do not get permanent and significant relief from my business debt obligations I will be out of business soon. My industry has dramatically changed and now working remotely is becoming a norm with many of our client base and especially in the IT industry which we provide service to. Over the last 60 days I have been unable to collect payments from ANY of my clients for services, instead I have to invoice them and HOPE they pay me for the services early next year. My cash flow is non-existent and I need help. I have paid close to or more than half of the balance on this agreement. The servers that I purchased from US Bank are now obsolete and outdated and are worth cents on the dollar. I contacted their office to attempt to negotiate a resolution when the pandemic hit and was told that if I made a large payment in XX/XX/XXXX of {$11000.00} that US Bank would offer me a settlement. However, there was no settlement offered, but instead a three month forbearance that did not help my company resolve this matter. While going back and forth to try and get a real settlement offer on the table US Bank made an unauthorized withdrawal of {$2900.00} as payment towards one finance agreement and {$2600.00} towards the other finance agreement. I did not say this was OK. I was finally offered a settlement with a slight reduction in the balance and a new 5 year term with payments of {$5000.00} per week. I was shocked when I saw an illegal Confession of Judgment hidden in the paperwork, this was not disclosed to me, and this type of document is not legal or valid in my state. Since that time I have reached out to try to work out a reasonable resolution, but US Bank keeps telling me that the only offer on the table is $ XXXX with a confession of judgment. This is not acceptable | ||||||
| 01/07/2021 | Yes |
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| I am a valued Client of US Bank, for more than 10 years, with impeccable, responsible banking relationship with the bank. I opened my HELOC Account with US Bank for more than a year now and my financial responsibility history is sterling, spotless : I want to file a complaint for the fact that I was MISLED by USBANK bankers in relation to my existing HELOC account. 1. I have an existing Heloc Account, XXXX balance and I was planning to close it. 2. On XX/XX/XXXX, I called Banker XXXX XXXX XXXX ) at ( XXXX XX/XX/XXXX ) and after he reviewed my account with me, he assured me that I will not be charged with any penalty if I close my account on that day and he confirmed with me that after 2 business days I will receive an email statement of account closure, so I articulated that definitely, I am closing that account and he told me that I will receive a final statement via standard mail of no balance statement as I requested it for my another existing loan. 3. On XX/XX/XXXX, I called again and spoke with Banker XXXX XXXX XXXX XX/XX/XXXX) and confirmed with me that my HELOC account is closed and no balance as I was told to wait for my letter in standard mail system. 4. On XX/XX/XXXX, I called again and spoke with Banker XXXX XXXX XXXX XX/XX/XXXX ) and she told me that I can not get the letter because I have to pay XXXX dollars as penalty for closing the account. I complained that nobody explained that to me and truth of the matter is, I was being MISLED and held up on this account. So, I requested then, if they can waive it being a valued client but she said I have to go a nearby local branch as she is not authorized to waive the penalty and only a local branch can waive this type of penalty. I believe I was being MISLED again on that statement. 5. I searched over the internet and I could not locate any local branch within XXXX so I decided to call on XX/XX/XXXX and I spoke with banker XXXX at XXXX XXXX XX/XX/XXXX ) and I explained my complaint and I requested to elevate my grievance to a Senior Banker and I was able to speak with XXXX. She reviewed my contract and she said she will elevate this case to her back office and I could follow up on this claim/ complaint after 3 days and encouraged to call again and speak again with a Senior Banker and she noted my cellphone, if they chose to speak with me personally. 6. I called XX/XX/XXXX Monday at XXXX ; XXXXXX/XX/XXXX to follow up and spoke with Senior Banker XXXX and I demand a supervisor and email address for me to formally file this complaint and I was able to speak with Ms. XXXX XXXX XXXX email : XXXX XXXX 7. Ms. XXXX promised me that she will elevate this customer complaint to her supervisor and I was given tracking number XXXX and today iI spoke with senior Banker XXXX saying that my request was denied. 8. Essentially, I summarized my complaint that I was being misled that closing this account after Bankers XXXX and XXXX reviewed my account and assured me that I will not incur any penalty but eventually I was being asked to pay XXXX dollars. 9. Being a loyal and valued client of US Bank, all I am asking is to waive this penalty as its not fair for me to be charged this fee after i personally requested to review my account before I decided to finally to close it. | ||||||
| 03/25/2016 | Yes |
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| This is over a year 's worth of material ... We fell behind on our mortgage in XXXX 2015. We were working with U.S. Bank Home Mortgage daily to get caught up. We were told to make a 2 and a half months mortgage payment by XXXX XXXX, 2015 and U.S. Bank would work with us. On XXXX XXXX, U.S. Bank representative stated that our loan had been sent to foreclosure. We immediately, inquired what to do to keep our home. They advised a loan modification. We applied for a loan modification and submitted all required paperwork, file was complete by the end of XXXX 2015. Despite our daily phone calls to our assigned relationship manager at U.S. Bank who assured us our file was complete but that the reviewal process can take up to 45 days, we waited until the end of XXXX 2015 to receive a decision. During this time, U.S. Bank would not allow us to make any type of payments toward toward our loan because they stated our home was in foreclosure. So because they wasted 6 months reviewing documents, we incurred tons of late fees and additional arrearages. Frustrated from being told we just had to wait, I called and asked to speak with a supervisor in XXXX 2015 ; XXXX XXXX, Supervisor of XXXX XXXX XXXX at U.S. Bank informed us that our file was being held up because they were waiting on an updated paystub for my husband. We were so upset. We had called nearly every day for six months and were told our file was complete! Nevertheless, U.S. Bank just apologized and we faxed over the document. We were approved the end of XXXX 2015 for a three month trial payment. The new payment was set for {$400.00} more than our regular payment which was {$1500.00} and now would be {$1800.00}, which was really a stretch, but we want to keep our home so we made the XXXX and XXXX payments {$1900.00} each. Then in XXXX, our septic froze so we had to have it completely repaired to avoid sewage damage to the lower level. The cost in the dead of winter here in MN was {$7500.00}, thus we were 18 days late on our 3rd and final trial payment to U.S. Bank. U.S. Bank then denied our loan modification because of that late payment. There is no negotiating, no consideration of unforeseen circumstances and submitted receipts, nothing. U.S. Bank put our loan immediately back into active foreclosure and advised us to reapply through their incredibly lengthy reviewal process that took almost a year the first time around. So, here we are, we have reapplied for a loan modification, our file is complete per our U.S. Bank Home Mortgage Relationship Manager, and now we have to wait, again, until U.S. Bank decides to make a decision. It will not matter if I call every day over the next several months. U.S. Bank will let the file sit. If the past year is an indicator of how things will go, we will have to wait 6 months before hearing anything, and incur an additional {$20000.00} in late fees and arrearages because U.S. Bank will not accept payments while the loan is in foreclosure. Basically, we will have waited two years, {$40000.00} in arrearages and late fees, all to get a three month trial payment again. This is ridiculous. Can you help us at all make this large bank work more expeditiously? We were already approved. They should not need another 6 months to determine eligibility. | ||||||
| 08/05/2020 | Yes |
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| I am an XXXX in XXXX, Oregon. I had a XXXX who wrote a check to our XXXX XXXX on his US Bank business account for {$10000.00}. On XX/XX/2020 in the morning, I had an authorized XXXX go to the bank ( located at XXXX XXXX XXXX XXXX, XXXX, OR ) so that he could cash the check and turn it into a cashier 's check. My XXXX was told that they could not cash the check because we did not have a business account with US Bank. My XXXX stated that we were aware that there would be a fee and we were willing to pay whatever the fee was for cashing the check. I cash checks on a monthly basis at US Bank from clients and am aware of the fees. He was then told that they would be able to cash the check if we had a business account at US Bank. He left the bank frustrated with the original check. Because I own the XXXX, I went back to the same branch and said I needed to open a business account so I could cash the check and turn it into a cashier 's check. The assistant manager I was working with asked me if I had a business account elsewhere and I told him I did. He then asked why I wanted to open another business account. I told him that I did not understand why he was questioning me and that I simply wanted to complete my transaction. He took the check and walked over to another employee who said " Is this that same check? '' This employee looked at me from a distance for a while, said something I could not hear to the person I was working with, then came over to the desk. He began to question me about why I just didn't run it through my account at my bank. To say he was rude is an understatement. I told him that time was of the essence in a XXXX XXXX for my XXXX and that we needed to get the check converted to cash or a cashier 's check to complete a settlement. It was not his business to question me about a confidential XXXX XXXX between my XXXXXXXX and I. I told him that I was there to open a business account so I could cash the check. He laughed and said " I am not interested opening a busniess account so you can cash this check. '' I asked him " why? '' and told him " I am not bank XXXX, I am simply trying to complete a settlement. '' I went to on to tell him that my XXXX had been told if we had a business account with US bank, there would be no issue. One of the employees looked up the XXXX XXXX account and verified that the funds were available. I firmly believe that the reason these two people would not cash the check is because I am an XXXX woman. My XXXX is a XXXX male and he was told that if the company had an account there or opened an account there, the check would be cashed. He had no authority to open an account for the company, so I went to open the account. But when I arrived, the story changed and I was refused the same service that was offered to a XXXX male. This is a blatant case of racism at it's worst. I have been an XXXX in this community for almost 25 years. I have never had an issue like this with any other bank or credit union when dealing with checks. I will not be treated in this manner because of the XXXX XXXX XXXX XXXX. Had my XXXX been the XXXX XXXX, this never would have happened. I am deeply troubled that they would treat anyone this way. They treated me like a thief or a scammer. It is unacceptable. | ||||||
| 12/27/2019 | Yes |
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| In XX/XX/XXXX, I reached out to US Bank to request a refinance where I wanted to combine my existing $ XXXX HELOC with US Bank and approximately $ 400K mortgage I currently had with XXXX and secure another HELOC for $ XXXX. I spoke with the banker, XXXX XXXX, and agreed to proceed in early XXXX. I was told that there would be no closing costs ( assuming these were built into my rate ). He said he would apply credits for being an existing US Bank customer. We experienced several mishaps during the loan process, including an appraisal which was slightly lower than I had expected. When I pushed back on this, me and my fiance ( a XXXX XXXX XXXX ) sent 8 similar listings in our area with higher appraisals. XXXX did not appear to know what to do with this information and asked us to select 3. We did, but subsequently, I even accepted the lower appraisal and the lower new HELOC line of $ XXXX. Towards the end of the process in early XXXX, XXXX XXXX who was XXXX XXXX assistant, informed me that my current HELOC would need to be reduced to $ XXXX prior to us completing the refi. I called XXXX immediately and said I was not comfortable with this. He assured me that this was standard process and that everything would be reinstated back to the original terms if the refi did not complete. I again confirmed this in emails to XXXX who assured me not to worry. Towards the end of XXXX, when the process was finalizing, I received my disclosures which indicated that I would need to pay approximately $ 10K in closing costs. I immediately reached out to XXXX who said that costs had increased, but I would receive $ XXXX back after closing. No one informed of these costs increasing, and I would've owed them had I not carefully read the disclosures. After doing a cost-benefit analysis, I informed them that I wanted to cancel the refi as the terms were no longer financially favorable to me. Neither XXXX nor XXXX responded. I received emails from XXXX XXXX, a loan processor, as though nothing happened, and I finally told her that I was cancelling due to unforseen high closing costs. She confirmed my cancellation. I assumed my HELOC would be reinstated back to $ XXXX as promised. When I called US Bank to confirm on XX/XX/XXXX, the representative, XXXX, said she would check and get back to me. I received no response. I called again on on XX/XX/XXXX and spoke to XXXX but she also didn't know and said she would check and get back to me. No word. On XX/XX/XXXX, I spoke to XXXX who finally informed me that the HELOC can not be reinstated because the refi was approved even though I had requested the cancellation. This was new news to me as no one told me about it. On XX/XX/XXXX, I notified everyone who worked on my refi ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) to let them know the situation with the HELOC. I asked them to please respond within 48 hours, but I heard nothing back. I called again today on XX/XX/XXXX to speak to a manager. I was told I would receive a return call within 15 minutes. It has been 3 hours and no word. At this point, my HELOC is now a paydown loan only. This means I can pay it down but can not borrow anything. As this is my source of emergency funds, I am not paying it down and am instead accruing interest on the balance. | ||||||
| 02/21/2017 | Yes |
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| Dear CFPB Officials and Financial Service Providers : I am prompted to write this complaint because, through no fault of my own, I have been effectively barred from the financial industry - and the costs of being un-banked are simply enormous. Even though I continue to earn money I am paid via U.S. checks and despite trying every bank that I could reach - none of them would cash the check without me first opening a checking account. And although I have tried opening a checking account at more than XXXX separate US banks - I continued to be denied access to even the most basic checking or savings account. Generally speaking, these banks do not tell me why I am denied, just that they have made a business decision to not offer their services to me ( although I continue to receive targeted advertising offers in the mail, through email, etc. ) I have lived for a while now paying excessive fees to have my checks cashed via special check cashing businesses but the fees are outrageous and the time spent waiting for a check to clear is often in excess of 10 days. I am very much at my wits end because I am not sure what else to do. I have tried repairing my credit but due to an unresolved identity theft event that occurred in 2013 - I am having difficulty doing so. I have even gone through all the steps to correct my credit report but the various financial institutions will not remove the false information despite multiple police reports, affidavits, etc. Additionally, twice I have gone through the lengthy process of applying for a new Social Security Number and twice the Social Security Administration lost my paperwork. Without rambling on forever, I am attempting to resolve this situation by granting my Mother durable power of attorney rights in hopes that she will be able to sign and cash the checks I have received as well as provide basic banking services for me. In addition to the costs associated with paying check cashing processors, without a bank account I pay more for everything and am even denied by entire business sectors. For example, despite searching for months I have yet to find a health insurance provided that allows payment via cash, I am unable to take advantage of the savings associated with purchasing things online, I am barred from consumer services such as XXXX, XXXX, XXXX, etc - because I can not input a credit or debit card number, and I would say generally being without a checking account almost doubles the cost of living through increased prices, limited consumer services, and significant delays associated with cashing checks. In light of this, I would ask that US Bank honor the attached durable power of attorney. My mother and I have previously attempted cooperate with our local bank on how to resolve this situation but the necessary documents and instructions required of us are vague and keep on changing. Thus I am writing this complaint in hopes to spur a resolution that would provide remediation the problems associated with being un-banked. Further, I wish for the bank to investigate whether the decision to deny me access to basic banking services has to do with the fact that I have reported fraud to the SEC, CFPB, and OCC concerning illicit account opening practices and BSA compliance failures. | ||||||
| 02/23/2021 | Yes |
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| I am complaining about a usbankreliacard ( not supposed to include card number ) In XX/XX/XXXX I applied for Colorado State unemployment. My boss received the appropriate papers from the state, filled them out and sent them back. The Colorado Dept. of Labor and Employment website showed that my case was going forward. State information said I would likely get a debit card for continued use rather than a check. My boss got a PPP loan ; so I was out of work for a relatively short time. No debit card or PPP card ever arrived from the State. Shortly after New Years XXXX I received a usbankreliacard in the mail earmarked for State Unemployment. Per the cardswebsite ( usbankreliacard.com ), the balance on it was XXXX. During the life of the card there were XXXX deposits and XXXX expenditures. Around the first of XXXX. I received a Colorado Dept. of Labor and Employment 1099-G showing {$1100.00} unemployment less {$110.00} Federal withholding and {$47.00} State withholding. Via the States automated line, I was able to make an appointment to talk to an Unemployment Office representative on XXXX XXXX. Meanwhile, a couple few days later ( early XXXX ) I received in the mail an envelope from the Colorado Dept. of Labor and Employment addressed to XXXX XXXX at my address. I inquired of neighbors to my right and left if they had ever heard of such a person but they had not and a XXXX search did not turn up someone of this name at a similar address. I marked the envelope Return To Sender. Individual Not At This Address and gave it back to the Post Office without opening it. On XX/XX/XXXX at around XXXX XXXX I spoke on the phone with " XXXX '' at the Colorado Dept. of Labor and Employment. She said that in XX/XX/XXXX the usbankreliacard ( with the same number as the one I received ) had been mailed. She said the State had deposited {$510.00} ( after taxes ) into the card in XXXX and another {$320.00} ( after taxes ) on XXXX. ( That doesnt quite add up to the figures on the 1099-G but not too far off. ) She said the money went into a US Bank account starting with the number XXXX ( not supposed to include account numbers ). She said that the State had no more information than this and referred me to US Bank phone no. XXXX for additional help. She also suggested I fill out fraud report form at the state website in case the XXXX XXXX letter were related to the problem ( which I did ). I called the US Bank number and was transferred to a supervisor, XXXX. I gave her the information, above, which I had just given to the State. She said she could confirm that the usbankreliacard number was the only one under my name but could give me no further help. She said she could mail me a paper copy of the XXXX deposits, withdrawals, and balance record ( already available online ) but that was it. She could not try to find the XXXX and XXXX transfers from Colorado Unemployment. She said I would need to contact the Colorado Dept. of Labor and Employment to solve this problem. I explained that the State had just referred me to her and asked to be transferred to someone higher up but she was not able to do this. Therefore my efforts to trace the money which was sent to usbankreliacard is at a standstill. I am hoping the CFPB can help. | ||||||
| 04/09/2016 | Yes |
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| when I was employed by XXXX XXXX Services I was getting a pay check every week. The company was struggling financially, but they kept paying me on time with no problems. I was faithful to this company for 7 years. We where a small company of less than XXXX employees. We had a shop of XXXX guys and sometimes they would get a check sometimes they would n't. but he kept my paychecks on time. What happened next really surprised me. I was going out of town and return on wednesday. Friday before the weekend he handed me a company check, never does he do that it has always been a direct deposit, so after work around XXXX I deposited the check through ATM. I had US bank as my only bank at the time. Saturday morning i went to the bank and i withdrew {$400.00} dollars and i know it was that amount, because banks wont allow you to withdrawl more for safety reasons. I had {$200.00} in my checking when i made the withdrawl, but because i deposited a night before i was able to take an additional {$200.00}. I did n't want to take more because i had rent to pay that week, so i only wanted to spend what i had in hand. When i get back from my vacation i went to put gas at a gas station and my card was declined, i have no idea why it was declined. I had money in my checking. I tried using it again at the market and again it was declined. so the next day i call my bank and they said my account is closed! they said i commited fraud i did n't understand what i did. They said i should go inside my branch to discuss with the manager so i went in and they told me that the check i deposited bounced and that i withdrew money more then what i had. i explained to them that was a company check and i withdrew because their atm allowed me to take {$200.00} above what i had in my account. So they said they closed all my savings and checking. They put a hold on any money i had in there until they can resolve the issue. The following day i went to the owners bank. XXXX XXXX and explained to manager what happened he said he could n't do much. The owner found out i went to his bank and he really got upset because he said i could of ruined his credit and chances of getting loans. I told him he put me on a black list and it was his fault for bouncing the check he said he was sorry and that he can issue another. That was to late because US bank did n't want to work with me or help me they just shut me down with no phone call or allow me to resolve the issue they just closed all accounts and didnt warn me. I felt betrayed by all parties my employer and my bank. I told US bank that there will be a direct deposit going in that Friday if they can please just take me off the list, they said it was to late they already put it and they could n't do much. I felt that was wrong because not once did they call me to resolve this or give me the chance to fix it. I only found out when i tried to put gas. This has been now years of stress that i can not open any checking account. I have XXXX account and only because my father opened it for me. Its very difficult with only having XXXX bank when they are closed weekends and they are XXXX from me if i ever want to walk inside the branch. I would like US Bank to please take me off this list as it was inaccurate and not fraud. | ||||||
| 06/05/2020 | Yes |
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| On the morning of XX/XX/2020 I received two deposits and a return credit in the amounts of {$510.00}, {$160.00}, and {$72.00}. I went online as per usual to pay my monthly bills as I had in previous months ( XX/XX/XXXX and XXXX most recently for example ) on this same card. Nothing has changed. Not once did any one look to verify that I was telling the truth that these same bills were paid less than one month ago and to see if it was an error on their end.A couple of my transactions had declined but my payments to XXXX XXXX did go through. I called the customer service number and was told that it was do to an AVS error or address verification error, but that they would do a reset and I would be fine. I once again tried to pay a bill and it declined again. I called again and was told the same thing. After a third call I was told that my card was locked down and I would not be able to use it online any further for 24 hours, but that I could go to an ATM and withdraw the funds. I drove to a nearby ATM to withdraw the funds and it did not work. I pulled over to the curb and called again and requested to speak to a supervisor. I explained the situation to him. He advised me that he was doing something called a DAF reset and my card would need to go through a PIN transaction in one hour and that my card would then work. I went home and waited one hour then went to a local gas station and tried to make a small purchase and was again declined. I returned home again, called and asked to speak to yet another supervisor. This supervisor advised me that the previous supervisor did not remove the velocity lock on my card and that she removed it as a one-time courtesy, to wait one hour, and that I could use my card online, at an ATM, or at a POS as I wished in one hour. I returned home again and waited the requisite hour. When I went to the ATM to try to withdraw cash it declined stating that excessive use. I called yet another supervisor who was extremely rude and disrespectful who informed me that both of the previous representatives were incorrect and that I must wait 24 hours for my card to be unlocked and that it could be used again at XXXX XXXX CST on XX/XX/2020. When I asked for further clarification as to why I received so many different answers I was hung up on. I tried to call back one more time, asked for yet another supervisor and went through my entire story. He informed me that I could not use my card until XXXX XXXX CST on XX/XX/2020. When I asked why the time difference from what the previous representative had told me, he stated it was because I called into customer service and had entered my card number again at XXXX today. I have no way of accessing my money of which I need to pay bills, pay for medications and other necessities. I don't believe I'm going to be able to access my funds tomorrow as I have had nothing but lies and issues for months with this company. They have previously locked my card down for this and it took 5 days for it to unlock. They also locked my card down in the past when a REFUND was coming back to it. I had to prove the transactions were previously posted to that card. I feel their business is shady and I just want my money back so I can go to a different banking institution. | ||||||
| 03/24/2018 | Yes |
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| Several months ago I received a dividend check from my electric cooperative. The check was made out to me and my ex-wife. I asked her to sign it but our relationship is not equitable so she refused. I also I had a refund check here from the IRS from the previous year for almost the same amount written out to both of us. I offered to sign checks and send them to her with the agreement she would sign one and give it back so I can cash it. She signed the IRS refund check and gave it back. It turned out that check was no longer valid because too much time had elapsed. My ex-wife contacted the IRS and had them reissue another check and send it to her. She signed the check and forwarded it to me. I was suspicious at her helpfulness so I put the check away for a few months until I needed the cash. I brought that check to the bank about a month ago and tried to cash it. The bank manager refused to accept the check without my ex-wife present for verification purposes. I said some things I should not have said and left angry. The bank manager explained that verification was bank policy but had no answer for me when I asked why I was not approached to verify my signature on the previous check which I gave to her. I found out a few weeks later that the bank manager ( XXXX XXXX ) contacted my ex-wife claiming I had tried to cash a check without her signature. I responded that the bank manager better get her facts straight and I would be pursuing the matter. Bank policy I can understand but customers need to be treated fairly and equally. There were also confidentiality issues with the bank manager communicating as she did with my ex-wife. I believe bankers should be above reproach and honest but conscientious of confidentiality issues. At the very least that branch of the bank was guilty of impropriety. I should mention at this point that I am a quadriplegic unable to use my hands or my feet. Traveling 14 miles to the bank to cash that check was no small undertaking. I did have two caregivers with me who witnessed the entire event. They actually heard the manager say she recognized my ex-wife 's signature. Because of the different treatment I believe I was discriminated against due to the fact that I could not take care of my business as an able-bodied customer would have been. I have since moved my safe deposit box to a different branch of US Bank. I have filed an official complaint with the bank but have been told the manager would be handled internally. For resolution, I want two things. Number one, I want my check cashed. I need that money to pay my gas bill. Then money is rightfully mine and the check has been endorsed by myself and my ex-wife. I also want a written apology from the bank manager who crossed the line. I was told by conflict resolution that customers were never told the outcome of any disciplinary action and that I would not be allowed to cash my check without my ex-wife being present. I asked the bank conflict resolution person to send me a response in writing but it's been a week and I have not seen anything. I hope that you can assist me with this matter. There are more than enough frivolous lawsuits in this country that I should not have to seek legal recourse. Thank you for taking the time to read this. | ||||||
| 01/20/2020 | Yes |
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| Re : US Bank Loan To Whom It May Concern : I would like to file a formal complaint regarding US Bank and the handling of my mortgage loan. There are two issues at hand, please see the following : First : Our original mortgage loan was originated in XX/XX/XXXX with Private Mortgage Insurance ( PMI ) for the amount of {$240000.00} with an interest rate of 6.25 %. After the passing of my husband I refinanced my mortgage in XX/XX/XXXX for the amount of {$230000.00} with PMI. The new loan was a 30 year 4.625 % fixed rate with PMI. I have requested to have my PMI dropped from my loan to no avail. US Bank is not versed in the requirements of PMI cancellation. I have contacted US Bank several times and I received communication back stating my loan was not eligible for PMI cancellation which is not accurate. The present loan amount is {$190000.00}. The monthly PMI amount is : {$140.00} and the Loan to Value using the original appraised value is now 77.08 %. Per US Bank they are not using the original appraised value due to the refinance and their pulling of an Automated Valuation Model ( AVM ). I was told at the origination of my XX/XX/XXXX loan an appraisal was not required and one was not done. An AVM is not a full appraisal. US Bank stated the AVM value was {$210000.00}. My loan is a XXXX XXXX ( XXXX ). The Homeowners Protection Act in 1998 was created to facilitate the cancellation of PMI as borrower build equity and the risk of default decreases. 12 CFR 1026.35 ( b ) ) Termination of the underlying debt obligation or ( 2 ) FIVE years after consummation if the unpaid principal balance is less than 80 % of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation My loan has been paid on time for the past 13 years. The property has increased in value with an estimate of {$270000.00} presently and my PMI request should be granted, actually this should have been automatically been terminated. By pulling an AVM and using those values to keep PMI on Customers mortgage loans is a UDAPP ( Unfair, deceptive, or abusive acts and practices ) violation amongst other regulation violations. Second : I live in North Carolina and my mortgage loan is under {$300000.00} and the late fee should be 4 %, and my Note has reflected a 5 % late fee for the past 13 years, another issue US Bank did not clear up when I had requested the change on my mortgage Note over the past 13 years. So technically, I have been over charged for 13 years regarding the late fee of 5 % and the PMI over charge when my mortgage loan has been under 80 % and it is 5 years after consummation ( XX/XX/XXXX ) which would amount to 9 months@XXXX = {$1200.00} refund due. I have not calculated the late fee refund as it occurred over the past 13 years. I am a XXXX XXXX and I have been patient but with no resolution. I am reaching out to file this complaint for a cure and for US Bank to do the right thing regarding my mortgage. Also, US Bank should be audited regarding the use of AVMs and the extension of the monthly PMI payment they are charging their customers without regard to the regulation. This is a UDAPP violation. Thank you for your time and I expect a resolution with the involvement of the CFPB | ||||||
| 03/21/2021 | Yes |
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| I am XXXX XXXX, and no one is either acting on my behalf, nor are they authorized to do so. Multiple/Many - Attempts have been made with the CRA 's to fix credit reporting done from US Bank, and then its ' resulting in my credit report having incomplete/inaccurate data on my consumer report. They are pointing back to YOU US BANK - accurate reporting is between you, the CRA and FCRA/FDCPA. These complaints are with FCRA/FDCPA and then using file standards in the data furnishing industry ( XXXX ) Each Tradeline - description 's of the account ( screen shots attached and so named ) ( XXXX ) - US BANK CACS CC # XXXX ( XXXX ) - XXXX US BANK ( CLOSED ) ( XXXX ) - XXXX XXXX - 1. XXXX - XXXX XXXX is inaccurate 2. Last Payment Made - is inaccurate 3. Payment History is Incomplete, then inaccurate 4. Balance/Rating History is incomplete inaccurate ( rating XXXX XXXX XXXX XXXX XXXX XXXX, is literally impossible ). 5 Balance History - no history of balance, what was due or paid - natural progression to what's claimed in impossible - innacurate and incomplete 6. Pay Status lacks a CLS 7. Date Closed isn't accurate and actually shows a payment ( ast Payment Made : XX/XX/XXXX ) 8. " Maximum Delinquency of 120 days in XX/XX/XXXX for {$300.00} and in XX/XX/XXXX for $ XXXX< '' - if true, would mean I don't owe your reported balance 9. Since reported delinquency - all history is gone 10. Is the account actually CLOSED - where is the CLS? 11. When CO - should BAL not be XXXX? Please complete/update/correct your reporting, or delete this inaccurate Tradeline. XXXX - 1. US BANK ( CLOSED ) - says its closed, in the descr - and, its really NOT 2. There is no account number 3. Available Credit says XXXX XXXX. Reported Balance - when Charge off - should it not be 0? 5. Debt to Credit Ration - should not apply to a CLOSED ACCOUNT 6. Payment/Balance/Rating History - is wholly incomplete, When adverse - all history to that date - was wiped out 7. Pay History - XXXX literally impossible, where is CLS? High Credit - Blank - no comments to direct to this field 8. Terms/Freq - can not apply to CLOSED accounts 9. Date of Last Payment, is inaccurate ( XX/XX/XXXX ) - DATE OF LAST ACTIVITY is then inaccurate 10. Then - DOFD is invalid ( XX/XX/XXXX ) - inaccurate, based on what's reported 11. Delinquency First Reported - is inaccurate ( I have reporting to show when ) 12. Charge off amount <> Balance 13. Date Closed is Blank Please complete/update/correct your reporting, or delete this inaccurate Tradeline. XXXX Account Info Account Name US BANK Account Number XXXX 1. Account charged off. {$1000.00} written off. {$1400.00} past due as of XX/XX/XXXX, please report how this occurred ( delta ) 2. XXXX - FCRA Date is inaccurate 3. XXXX has a CLOSED DATE - when is it? Payment/Balance/Rating History is inaccurate and incomplete 4. Balance History repeats itself - from XX/XX/XXXX to XXXX .... 5. Charge Off as of XX/XX/XXXX to XX/XX/XXXX 6. Dates mean everything -- - 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Please complete/update/correct your reporting, or delete this inaccurate Tradeline. | ||||||
| 01/13/2021 | Yes |
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| I am contacting you to notify your office of the egregious, aggressive and illegal debt collection tactics that US Bank has been engaging in. I have been misled and victimized by misrepresentations made by their collection agents. I have been promised resolutions that do not exist, and as a result tens of thousands of dollars that I do not have were withdrawn from my bank account. I trusted US Bank and have made good faith efforts to resolve the situation but instead get half truths and misrepresentations and an attempt to force me to sign a confession of judgment. I feel this is outrageous and unacceptable. I began using equipment financing for XXXX XXXX in the year XXXX. I have always paid my loans on time. When Covid-19 hit, XXXX XXXX was severely impacted. My revenues dropped 75 % due to the lockdown in my county in the spring. US Bank has made tens of thousands of dollars off of me in interest and regular payments for years. Now I am in a terrible situation -- many of XXXX XXXX are in trouble and have asked for reduced payments or they are not paying us, or they have gone out of business. I have lost more than half of my old XXXX XXXX and I am unable to put anything towards marketing right now. I have worked on several different avenues to improve the business and so far it does not seem sustainable due to the lack of business recovery in my region. The new shut down order that went into effect in XXXX is another nail in the coffin for XXXX XXXX. If I do not get permanent and significant relief from XXXX XXXX debt obligations I will be out of business soon. My industry has dramatically changed and now working remotely is becoming a norm with many of our client base and especially in the IT industry which we provide service to. Over the last 60 days I have been unable to collect payments from ANY of XXXX XXXX for services, instead I have to invoice them and HOPE they pay me for the services early next year. My cash flow is non-existent and I need help. I have paid close to or more than half of the balance on this agreement. The servers that I purchased from US Bank are now obsolete and outdated and are worth cents on the dollar. I contacted their office to attempt to negotiate a resolution when the pandemic hit and was told that if I made a large payment in XX/XX/XXXX of {$11000.00} that US Bank would offer me a settlement. However, there was no settlement offered, but instead a three month forbearance that did not help my company resolve this matter. While going back and forth to try and get a real settlement offer on the table US Bank made an unauthorized withdrawal of {$2900.00} as payment towards XXXX XXXX agreement and {$2600.00} towards the other finance agreement. I did not say this was OK. I was finally offered a settlement with a slight reduction in the balance and a new 5 year term with payments of {$5000.00} per week. I was shocked when I saw an illegal Confession of Judgment hidden in the paperwork, this was not disclosed to me, and this type of document is not legal or valid in my state. Since that time I have reached out to try to work out a reasonable resolution, but US Bank keeps telling me that the only offer on the table is $ XXXX with a confession of judgment. This is not acceptable | ||||||
| 04/22/2016 | Yes |
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| I want to submit a second complaint against US Bank. My husband passed away in XXXX and I got very behind in my mortgage. I tried several times to get a modification, but US Bank denied my request. I resubmitted the request for modification since my income had changed. Thereafter, I decided to just sell the property and try to start over. Therefore, I hired a law firm to help me with the short sale. They initially set a hearing date of XXXX/XXXX/XXXX for foreclosure. I spoke with the attorney representing the bank and asked for an extension to work out the details of the short sale, and she told me to call the bank directly. I called the bank but my relationship manager had been changed and the new person was on vacation for the next two weeks. I therefore spoke with another representative. She told me that because I had resubmitted the loan modification, my application would be in review and no hearing would be held. Therefore, I did not go to court on the date of the hearing. I found out that the bank did not inform the lawyer, and they had the hearing anyway and set a sale date of XXXX/XXXX/XXXX. On the advice of my new lawyer, I filed a complaint and we submitted another modification request but it was for the short sale. After the bank was notified of the complaint, they gave me an extension until XXXX/XXXX/XXXX to review my request for the short sale. The paralegal handling my short sale filed everything with US bank in XXXX. He called repeatedly and asked if they had all of their information and but did not receive an answer for three weeks. On XXXX/XXXX/XXXX, the paralegal, XXXX XXXX, lodged a complaint and asked for escalation to find out what was happening at the bank since he could not get an answer. Only on XXXX/XXXX/XXXX did he get a response only to find that our relationship XXXX had been changed again without any notice. He was told by the new relationship manager that the application was complete, but he pressed her to review the whole package while he was on the phone to make sure it was complete since we are nearing the sale date of XXXX/XXXX/XXXX. After looking, she told him that they required one more thing but would need it by XXXX/XXXX/XXXX because they had a deadline of XXXX/XXXX/XXXX for the application to be complete. I submitted the required paperwork but am worried that the bank will wait until it is too late and then say that I did not get them everything they needed. We think that the bank 's actions have been outrageous. They did not respond to any of my paralegals phone calls for more than 3 weeks and then told us that they had again changed the relationship manager without any notice. When they finally responded, the rep stated that they had everything they needed only to change her mind after being pressed to review there file by my paralegal. She then stated that they needed one more thing but then gave us a deadline when they had been the party to waste the time. I think they are just trying to string me along and then deny my request. I have found a buyer for the property and they are trying to block it. I would like them to process the request and let me sell the property instead of foreclosing the house against. This would allow me to pay off the debt to them and start over. | ||||||
| 01/14/2023 | Yes |
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| Ive been banking with US bank for over XXXX years. I recieved a check as payment from someone I personally know. The check seemed a little fishy but it was directly from the XXXX XXXX because they are covering this persons rent paying for it directly. I did my due diligence including calling the issuer. This was a PROVEN TO BE A COMPLETELY LEGITIMATE check. I deposited it in my account. XXXX hours later I recieved an email saying the check was reviewed, AND ACCEPTED. I withdrew {$200.00} of the {$1500.00} check. The next morning I log into my account and its locked and Im told to call a XXXX number. I call the XXXX number and they give me the run around and eventually transfer me to my local branch to a gentleman named XXXX. XXXX is very confused why they transferred me to him and he seems stumped. His lack of knowledge made me wonder if I was actually even speaking with a genuine representative of US bank. I explained the situation and he said THERE IS NO RECORD OF THIS CHECK and was very adamant that I was wrong and that THEY NEVER RECEIVED IT until I was able to show him the email sent directly from US Bank that says YOU CHECK DEPOSIT WAS ACCEPTED because only then did I withdraw anything.I wasnt going to attempt to withdraw it until it was approved as it was. After I called XXXX out on this he was stumped and didnt know what to do so he placed me on hold for a XXXX or XXXX. When he came back he said very nonchalantly oh that account has been closed. I said excuse me what do you mean? Wheres my money? What do you mean my account has been closed? And he DIDNT HAVE ANY ANSWERS! He said we will send you a letter in a few weeks explaining all that. When I asked him any other questions he just refused to answer them or played XXXX. When I said what about my money!? He said oh actually you owe us money now. I almost fainted. I cant believe the gall of this man to not only tell me that I no longer have access to the money that I rightfully earned, he wanted more money from me!! I spent XXXX hours today starting at XXXX attempting to contact them whether via social media, email, or phone eventually they quit responding on all channels. Its disgusting to me how little they care and how they in fact seem to get off by leaving their victims helpless. They have XXXX regard for the fact that I have bills due Monday and have absolutely no access to my money with no answers as to if/ when/ how Ill get my money back. I just want my money back and I want the world to know how they will do this to anyone. I do not wish to bank with them any longer after this experience - I know they will take everything from me without any answers at their next given opportunity. I have been loyal to this bank for over XXXX years, Im a XXXX and I am a very successful XXXX XXXX. I have brought nothing but legitimate checks from various businesses, employers, institutions, and persons as well as legitimate direct deposits from companies like XXXX, XXXX, XXXX, XXXX, XXXX, etc. for well over XXXX years. Never once in my life have I ever done ANYTHING fraudulent, not only with this bank but with anyone, ever. Hypothetically if the check was fraudulent, in this case I would be the victim - not the criminal. How dare you treat me like XXXX. | ||||||
| 09/21/2021 | Yes |
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| My mortgage was put on a covid19 forbearance beginning in XXXX of last year because I lost my job due to Covid. I was ahead on the loan and even paid one payment after I lost my job because I hate not paying bills. XX/XX/XXXX, I called because I got a job and also knew my last eligibility month was that month. The person I spoke with did not give me all of my options I was eligible for for repayment, so I ended up hanging up and speaking with an escalations team XXXX XXXX. She was able to provide me with two viable options, and I picked the combo partial claim modification in which my escrow shortage was applied back into the loan and the missed payments were sent to HUD with a second lien ( which I am very angry about, but had no choice ). She let me know that they'd send paperwork for me to sign and have notarized and once they got them back, my loan would go into admin status and be due XXXX, and that I should NOT make a payment until the new payment is processed. I did what they requested, and then on XXXX XXXX, they told me the stamp was somehow illegible from the notary and they'd resent paperwork. It took me about 3 hours total of hold time to get someone on the phone to find out why, because when they called, they didn't leave a message and I was at work trying to pay for the house. I have XXXX XXXX XXXX so I knew ahead of time what they were sending. The letter enclosed just said " there's a problem with your documents. '' Didn't specify what the problem was, just told me to redo the paperwork in hopes of not making the same error. I finally was able to figure it out, and they said they'd have a mobile notary contact me. The second set of paperwork was due to them XX/XX/XXXX. NO ONE called until that night when I'd already had to pay a second notary. I'd called US Bank multiple times and reached out on their social media to try to get a different notary called and was not able to get anywhere with them. I had the documents there XX/XX/XXXX, and had to call XX/XX/XXXX to see if they had looked at them. They had not, and today is the XXXX and they STILL have not looked at them, even though I had to jump through hoops to get the second set back to them. I am very upset that it is like an act of congress to get anyone to speak with me. I had a Mortgage assistance provider assigned to me at the very beginning of the forbearance, XXXX pointer, and have yet to get any emails back from her or phone calls from her. Now, they're going to cause me to be another month delinquent because they told me not to make any payments, but they have NOT put the loan in admin status despite the paperwork being received. They're literally the worst customer service. I have been speaking with XXXX from their social media team and even HE can't get any answers for me. He is the only person from their team aside from the lady I spoke with XXXX XXXX who is worth anything as far as communication goes. He has probably spent an equal amount of time working to get me answers and can not. He himself opened a customer advocacy complaint with them, and those people just don't care. I am at my wits end here, because I am literally TRYING to pay this mortgage and they're sitting on this paperwork that I've now paid to have notarized TWICE. | ||||||
| 03/13/2021 | Yes |
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| I had a U.S. Bank FlexPerks Gold XXXX XXXX Card ( ending in XXXX ) that I closed in XX/XX/XXXX. I also have a FlexPerks Select+ XXXX XXXX Card that is open. Both of these cards deposit their rewards in the same FlexPerks Reward account. But when I closed the FlexPerks Gold card, XXXX points were taken away from my FlexPerks Reward account. At the time of closing the Gold Card ( ending in XXXX ), I agreed to the disclosure that points associated with the Gold card will be forfeited. However, when I provided my consent to the disclosure I was under the impression that the Gold card only had less than 100 points and the Select+ card had more than XXXX associated with it which I was not closing. That is the reason I gave my consent to the closure. Had I known that the Gold card had so many points, I would not have consented. The bank failed to provide me the information about how many points I was going to lose if I closed the Gold card. I say so because - 1. At the time of closure, the agent on the phone read a quick 2-minute disclosure without mentioning how many points I was going to lose. 2. If you look at the attached monthly statements from XX/XX/XXXX for Gold Card ( Exhibit A ) and Select Plus Card ( Exhibit B ), both statements do not give me a breakup of which card has how many points. Both statements provide a combined points total from both the cards as both cards were linked to the same Flexpoints Rewards account. This is the primary reason for my wrong impression about how many points I had in my Gold card. 3. The bank 's website in XX/XX/XXXX ( before the recent changes in the website ) used to show a combined points balance for each Flexpoints account without any breakup of each card 's points balance. I don't know if the breakup was buried multiple levels deep in the bank 's website but from at-a-glace level, I didn't see how many points belonged to the Gold card that I was going to lose. 4. Monthly statements for Select Plus card continued to show XXXX points ( Exhibit C ) as late as XX/XX/XXXX, six months after Gold card closure. This further reaffirmed my misunderstanding that most of my points belonged to Select Plus card and not Gold card. The points were taken away in XX/XX/XXXX as per the XX/XX/XXXX statement ( Exhibit D ). While I appreciate that the bank ( theoretically ) gave me six more months to use my points associated with the Gold card but that was of no practical use to me because the bank failed to notify me ( either verbally or written ) that those points will be forfeited soon and hence, I was in no rush to use those points. To summarize, I believe that the bank failed to inform me how many points I was going to lose if I closed the Gold card. That led me to consent to the disclosure under the wrong impression that I was not going to lose more than 100 points. I didn't have the correct facts when I provided my consent to the account closure disclosure. I didn't have the correct facts because neither the monthly statements nor the bank 's website nor the closing agent informed me how many points I was going to lose by closing the Gold card. As much, I request the bank to reinstate XXXX points which were forfeited because of the closure of my Gold card to my flexperks account. | ||||||
| 01/18/2019 | Yes |
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| I carried the same credit card for nearly 30 years although the bank has changed names a few times. I had a payment of {$2800.00} due on XX/XX/XXXX ( I do not carry a balance on the card ) and I inadvertently forgot to pay my bill prior to this due date. I was unaware that I had missed this payment as I did not get an email notification. I received a call from collections during dinner on or about XX/XX/XXXX. I was perturbed that I was called at dinner and that the approximately {$100.00} fee would not be waived. I told the collections individual that I would pay it that day online. Unfortunately for me, in my agitated state, and according to US Bank I must have also said something to the effect of dont call me again. If I did end this call with with such a statement it was with the intended message of " do not bother me now as I will promptly pay this and you do not need to bug me. '' After trying to use the card the next few days, I thought the payment had not gone through. Little did I know that my uttered trigger words of " don't bother me '' ( I'm unsure of exact wording ) that invoke Permanent Restraint, Cease and Desist and Close the Account. US Bank apparently has a policy to close any account, and confiscate all monies owed in earned rewards. If US Bank does not want me as a customer, that is fine, but I did not chose to terminate this account. I have earned XXXX rewards points. These points have a Cash value of {$1900.00}. I have made numerous calls ( between late XX/XX/XXXX and XX/XX/XXXX ) to Customer Care, Rewards Center, Collections, and Account Maintenance to try to redeem these points. I have been told to send a letter requesting US Bank to remove the Cease and Desist and they received this letter. I was also advised that my only other course of action was to fax a letter explaining the situation and I did that. US Bank called me on XX/XX/XXXX and left a message. I called back on XX/XX/XXXX ( the next business day ) and was told by Solutions that there wasn't anything else they can do. It is their policy to close all accounts of anyone who says anything to the effect of " don't call me ''. Each department gave me the runaround. Account Maintenance told me the account would stay closed. Every other department told me that if the account is closed, there is nothing they can do, but I was told that there are situations that an accounts can be closed and points accessed such as in the case of a death. Over the course of numerous phone calls ( 20? ) I was hung up on twice, told I could not speak to a manager, and was told multiple times that I could not hear the initial recorded phone call, even though they listened to it while I was on the line. I wholly believe the dollar value of these points are owed to me. They were earned and it says earned on the statement. I specifically continued to use this card, eschewing other cards with similar benefits because I was earning these benefits. I was completely unaware that there are trigger words that, in essence, steal nearly {$2000.00} from me due to a US Bank arbitrary rule. To date, while some in the company were empathetic with my plight, there was not anyone who could help after at least a dozen calls and 2 letters over the course of a month. | ||||||
| 05/17/2023 | Yes |
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| I, XXXX XXXX XXXX, agent to and beneficiary of the Principal, XXXX XXXX XXXX ( Principal ), have evidence of federal consumer and banking law violations committed by U.S. Bancorp ( Creditor ) in connection to the extension of credit to the Principal for the purchase of a XXXX XXXX XXXX ( Collateral ) on XX/XX/XXXX. It has come to my attention, after researching the United States Codes ( USC ), the Uniform Commercial Codes ( UCC ), and conversations with multiple bankers, that I have evidence the Creditor received payment-in-full from the Principal in the form of a promissory note which is the enclosed Contract, a negotiable instrument according to UCC 3-104 and can be accepted as a deposit to the Creditors bank account in exchange for credits according to 12 USC 1813 ( l ). Also, since the Contract included a promise to pay the Finance Charge, the Creditor has also already received the Finance Charge in full in the form of credits exchanged for the promissory note. This is only possible because the promissory note is evidence of debt and is secured by direct obligations of the United States according to 12 USC 347c. The Creditor used the promissory note to receive credits from the US Treasury in the same way banks receive a US dollar bill, which is also evidence of debt, in exchange for credits to a bank account. Although the Creditor has already received payment-in-full from the Principal through the promissory note, the Creditor willfully and knowingly created false and misleading statements mailed to the Principal in order to receive additional payments from the Principal. 15 USC 1605 clearly states the Finance Charge is the sum of all charges in connection with a consumer credit transaction. Since the Creditor created charges in addition to the Finance Charge they already received, this is a violation of 15 USC 1605 and the Creditor is subject to civil liability pursuant to 15 USC 1640 and criminal liability pursuant to 15 USC 1611. In regard to the principal balance shown in the enclosed Statement, it is presented to the Principal as a remaining amount owed by the Principal to the Creditor. The principal balance is actually a credit balance owed by the Creditor to the Principal. This is evident from the Creditor having to adhere to the Generally Accepted Accounting Principles ( GAAP ) pursuant to 12 USC 1831n ( a ) ( 2 ) ( A ) since they received the promissory note as an asset on their books. To legally offset the asset ( promissory note ) received from the Principle, the Creditor securitized the promissory note by creating a liability owed to the Principal in the form of a debt instrument/bond. Therefore, the principal balance belongs to the Principal. According to 15 USC 1666d, the Creditor should have credited the credit balance to the Principals account, refunded to the Principal upon the Principals request and made a good faith effort to refund the remaining credit balance to the Principal by cash, check, or money order. Since the Creditor did not act according to 15 USC 1666d, they instead fraudulently attempted to receive additional payments from the Principal. As a result, the economic effect of the Creditors actions is similar to counterfeiting, swindling and stealing from the Principal. | ||||||
| 08/16/2023 | Yes |
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| I discovered today around XXXXXXXX XXXX that my USBank account had a hold issued after my debit card was declined and my direct deposit did not process. I contacted customer support on my app and was told that I had to contact a branch directly. I contacted the XXXX branch at which time the branch manager told me all of my accounts were in the process of being closed and that there was fraud on my account, specifically the account that I opened for my minor son. I was not informed by the bank at any time that there was fraud on my account nor that all of my accounts were seized and frozen. I went in person to the XXXX XXXX location and spoke with the branch XXXX there and was told that there was nothing she could do or I could do. I was told I have to wait to for an investigation to compete and that any money owed to me will be issued in a cashiers check. This was not how I expected to be treated as I am the victim of fraud on my account and yet I am being treated as the criminal. I explained that two of my accounts are my adult kids accounts that I opened with my prior bank XXXX XXXX that was acquired by US Bank, the other is a joint account with my mother. The fraud occurred on one account yet every account with my name connected to it was frozen and I am told will be closed. This is unfair, extreme and should not be legal. I spoke with the fraud department on three occasions today and only one of them asked if I wanted to submit a fraud claim and I gave my email address to get the paperwork and affidavits to file the fraud. It is unconscionable to me that US Bank did not contact me at all to alert me to the issue on my minor sons account especially when they are attacking all accounts with my name. I have direct deposits and auto payments that will be disrupted due to the banks conduct. My sons account is not setup for payments and deposits because he is XXXX XXXX XXXX. If that was the only account with fraud that should be the only account impacted and frozen. I could not pay my mortgage today nor can I access any of my money. This is more than damaging on many levels. My XXXX other kids are punished without justification simply because my name is connected to their account. Banks are supposed to protect their customers from fraud. Instead I have no access to my money and no one informed me of anything. The fraud dept. informed me the transition that is fraudulent occurred yesterday at XXXXXXXX XXXX in XXXX, CA. I have no ties and do not know anyone in XXXX, CA. Both myself and my XXXX XXXX XXXX son were at home in XXXX, CA at that time. I have information from a friend that US Bank recently relocated from a location in XXXX to another location in XXXX upon the transfer of XXXXXXXX XXXX to US bank and I am worried that a breach could have happened at that time and compromised my account/sons account information. I also previously complained to US bank about mailing account information via US Mail. During the transition from XXXXXXXX XXXX they mailed documents containing full account numbers and the debit cards had PIN numbers in documents that were mailed. This never settled right with me because there are some cards and letters I never received. Who knows who has access to this confidential information. | ||||||
| 07/28/2021 | Yes |
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| On or about XX/XX/XXXX ( while receiving entitled and approved benefits from the Ky Kewes System Unemployment Benefit ) the user dashboard of my UIClaims account was accessed by a woman here locally and my direct deposit information changed to an outside account which I did not authorize. {$3200.00} was due to me and was supposed to be, per the Unemployment Office of Ky Fraud Department, deposited on a USBank ReliaCard and those funds made available for my use. Only {$820.00} has been deposited. Again, on or about XX/XX/XXXX, a massive and undercover extortion and coercion scheme here in XXXX, Ky caused a Ky Workforce Education System Employee ( which handles all of the manual approval of Bi-Weekly Claims and Electronic Payments to USBank Accounts ) to knowingly accept bribes and continued payments to keep quiet to prevent my Unemployment benefits from being deposited on my USBank FDIC Insured Account via the Reliacard direct deposit account which was established for me by the state and as of now, {$26000.00} has been redirected on purpose and knowingly by a woman employed by the Kewes system in the XXXX satellite office along with her supervisor who contracts directly with USBank Reliacard to continue to accept money from an illegal and dangerous XXXX regime in XXXX County and XXXX County with some lead officials in XXXX, GA and XXXX XXXX, Fla. to continue to hold and redirect funds due to me ( which are my only source for survival during a pandemic as an autistic person and a person who has within the last year been receiving XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my XXXX as part of a XXXX XXXX ) and to cover up their efforts to punish myself and others who quietly and peacefully oppose their efforts and their doings, yet who planned to speak out publicly about direct effects of their heinous deeds which have now infiltrated local government and banking institutions and quite possibly the Federal Reserve, although I pray not. This allowing of the XXXX to go unnoticed as good, upstanding, XXXX, XXXX going, commonly dressed and seemingly well intended as strategically placed near large automotive factories and government/state offices and judicial systems and military operations command posts whose infrastructure has been known or is speculated to be already fractured and unethical in practice and already covering up misdeeds and wrongdoings and with otherwise highly respected and publicly awarded and celebrated leaders and high ranking officials ( making them easy targets for blackmail and coercion schemes out of benevolently intended desperation to prevent complete and total Anarchy and discredit to those they represent and potentially causing a massive breach in National Security that may lead to worse regimes riding on the coattails and sneaking in on them unnoticed and unsuspectingly attacking us from within as XXXX had attempted himself to do as had XXXX XXXX ) and threatening the lives of their families, loved ones, and their most precious and beloved friends and intimate partners, even to the point of forcing those good men and women to commit those acts themselves at XXXX in their own homes or hotel suites where they can not seek help and do not know their attackers personally. | ||||||
| 10/20/2023 | Yes |
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| On or about XXXX I contacted U.S. bank because I discovered there was some fraudulent activity in my account. Namely, someone deposited two checks worth over 4K into my account as a result of two separate business transactions. I first contacted the 24-hour hotline as soon as I realized one of the checks was fake. By that time, U.S. bank had already processed a second check but unfortunately it was too late for U.S. bank ( or I ) to do anything about it. The person I initially spoke with told me my account would be disabled and it was just a precaution to ensure no further damage could occur on my account. The lady I spoke with really made me feel at ease and told me I really had nothing to worry about and she was certain U.S. bank would understand my situation and have empathy for me since I got scammed for about 10k. And she further explained to me that I needed to speak with a manager to help further assist me. On XXXX, I contacted the manager at my local branch named XXXX XXXX because I was told she was the only one who could help me. During my conversations with XXXX, I came to discover that U.S. bank was in the process of investigating other transactions on my account which were unrelated to the two fraudulent checks as mentioned above. I told her OK but I started to get the idea that U.S. bank suspected I was involved in fraudulent activity with no justification as to why. XXXX could also not understand what was going on and submitted a formal complaint on my behalf on XXXX. Soon after I received a letter from U.S. bank telling me they were in the process of closing my account for " suspected irregular activity '' but did not give me any justification as to what that irregular activity was. Around XXXX, I received a letter from U.S. bank telling me that my account was closed and the letter stated they were in the process of mailing a check to me in the amount of {$2100.00}. I waited a few weeks and the check never arrived so I called U.S. bank and they told me I needed to reach XXXX again. On XXXX XXXX, I called her and asked what the problem was and she told me her back office needed to verify a few transactions into my account before the funds could be released so I agreed. I sent her a complete statement for the month of XXXX showing all of the transactions into my U.S. bank account so she could verify. On XXXX XXXX, XXXX calls me back and tells me they still can not release my funds because there are open claims on my account and she could not elaborate as to what that meant or where the claims came from. This is completely unacceptable! I was scammed from someone when I unknowingly deposited two checks into my account of which turned out to be fraudulent and U.S. bank lost no money over this issue. But since that time, U.S. bank has been claiming and acting like I am some kind of criminal and somehow at fault while trying to claim that other transactions that went into my account are somehow also fraudulent without giving any reason as to why. I HAVE RECEIPTS FOR EVERY TRANSACTION THAT I HAVE MADE WITH EVERY ONE OF MY CUSTOMERS AND I CAN PROVE THERE WAS ABSOLUTELY 0 FRAUD IN MY ACCOUNT! I want U.S. bank to release the funds owed to me as soon as possible and stop giving me the run around. | ||||||
| 01/07/2022 | Yes |
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| XX/XX/XXXX : Talked to XXXX ( ID : XXXX ), XXXX Account has not been looked at even after escalation. XXXX sent out a follow up email. Original trial plan payment was {$3600.00}. The new trial amount is {$3800.00} which is not acceptable and is {$160.00} higher and is setting us back by 3 months on a mistake US bank made and not with us as borrower. Per XXXX, need to call back next week for status update. This is about the 10th calls I made to US bank within a 3 months time frame with wait time over 60 minutes XX/XX/XXXX : Talked to XXXX ( ID : XXXX ), XXXX Communicated that we do not accept to start the process again under the 2nd trial plan as it was not our mistake. XXXX sent an email with screenshots to escalate the account requesting to keep the first trial plan. XXXX confirmed it was not a payment issue as other representatives have communicated ( they told us these payments were misapplied but they never fixed it on their end despite multiple calls from us to correct ). First trial plan termination issue was because US bank made the mistake of termination the program due to missing paperwork. However, we submitted the required paperwork in time ( on XX/XX/XXXX ) while the deadline was XX/XX/XXXX ( XXXX confirmed receipt which showed XX/XX/XXXX and included screenshot to escalation team ). XXXX informed to call back after the Holidays for status update if they dont give us a call back. Talked to XXXX ( ID : XXXX ) First trial plan was canceled due to unknown reason ( clarified with XXXX above as due to US bank making a mistake of not seeing the timely submitted paperwork ). Requested paperwork was submitted by borrowers on time and prior to deadline date of XX/XX/XXXX. Document was uploaded via US bank online portal and also to their intake email at XXXX on XX/XX/XXXX. XXXX reactivated the account under a new trial plan as she told me that was my only option beside the loan add back of overdue amount ( not acceptable at this point ). New trial payments due XXXX, XXXX, XXXX ( do not pay early, only pay within the month and by calling in the mortgage assistance program team ). Instructed us to not make any payment until XX/XX/XXXX. This is not acceptable as it was not borrower 's fault. Will be calling back to speak to another US Bank agent. XX/XX/XXXX : Talked to XXXX ID : XXXX Called multiple times before this already. Representative is escalating to the manager for an extension on required paperwork beyond XX/XX/XXXX. Request for new deed was received via mail a few days before XXXX XXXX. The time is too short as the Recorders Office does not take walk-ins, only by appointment and by mail. The next appointment is not until XX/XX/XXXX. XX/XX/XXXX appointment is booked. Waiting to hear back if the manager will approve the extension to submit a recorded document transfer the grant deed back to under borrowers ( from family living trust ). Currently applying for Streamline Modification. Request for Mortgage Assistance ( RMA ) not needed - planning to submit anyway to make sure. Account is currently on hold. When sending documents please add Last Name and acct number. Discussed with XXXX, ok to send in the final new notarized deed ( before recording ) and explain the situation via mail to XXXX XXXX | ||||||
| 07/02/2019 | Yes |
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| I have recently applied for the XXXX Mastercard, a product of the US Bank. My application was approved and I received the physical card in the mail ( last four digits ending in XXXX ). Later I placed an order for some supplies with a vendor and he let me know that the transaction was denied. I called the US bank and asked them to allow for the transaction. They rightfully did so, however, the same problem occurred with the next purchase I wanted to do. This time I called them and they said they are temporarily closing my account for fraud purposes and they asked me to submit copies of my driver 's license, social security card, lease/mortgage, tax documents etc. I argued with them that this is not right. I have already been approved and they had all the information about me but they did not accept my reasoning. I mentioned that if you were not sure about my identity and if you wanted me to submit all these documents in the beginning maybe I would forgo of applying and did not apply for this account. Now, you are changing your terms and policies after I have applied and been accepted. Anyhow, they did not reopen my account. Due to serious financial hardship and family emergencies I had no options but to send them copies of my documents. I did so. However, to my surprise and in an astonishing move, the US bank representative Mr. XXXX XXXX ( Phone number : XXXX Ext. XXXX ) had reported that the spell of my name was incorrect! This was told me by a lady in the customer service on Friday XX/XX/2019. I tried to call him on that same day but could not reach him. Called the company on XX/XX/2019 and they transferred me to him but he did not respond. Eventually I was able to talk to XXXX XXXX on XX/XX/2019. I asked him that he has claimed that my name was spelled wrong in the application. How is it possible that I have received a letter with your signature on it, having my name spelled very correctly? How is it that my name appears the same way it shows on my social security card? He then changed his story even further and resorted to the most unbelievable excuse. He said that my signature on my social security card does not match my name! I asked him how did you decided that my signature does not match my name? He said this is final and my account is closed and I have to reapply. I asked to speak with his supervisor. He said he is going to put me through but then he disconnected my phone call. I tried to call him at least 9 times on XX/XX/2019 and he did not respond. I called the number on the letter to complain about him but the lady who answered the phone told me I need to submit my compliant to XXXX XXXX as he is the one who has made this decision. I told her that this is a complaint against XXXX and it is a conflict of interest and totally does not make sense to submit my complaint to him but she said she can not help me. At this point I really believe that US Bank 's employee is discriminating against me. I have submitted all the necessary documents and they have seen my identity but they are still unwilling to reopen my account. I even reached out to the US Bank 's XXXX page and asked them for help. This act of them is putting me in financial hardship and causes more serious problems for me and my family. | ||||||
| 06/07/2015 | Yes |
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| My complaint is against XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) for use of deceptive practices to collect an alleged debt. US Bank was the XXXX owner, then XXXX XXXX XXXX, then XXXX and finally sold to XXXX XXXX. I received a letter from XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX trying to collect an alleged debt. I disputed both times. XXXX XXXX filed a lawsuit XXXX/XXXX/XXXX with unauthenticated, robo-signed, missing and defective documents and won summary judgment XXXX/XXXX/XXXX. I hired a lawyer ( XXXX XXXX ) who got the judgment vacated ( XXXX/XXXX/XXXX ) due to lack of standing, missing and defective documents. XXXX XXXX, XXXX, XXXX XXXX filed a XXXX motion for summary judgment against me with the same unauthenticated documents, robo-signed documents, missing and defective documents. After researching, I found that the signature on Bill of Sale by US Bank appears to be robo-signed. " XXXX XXXX XXXX '' VP of Loss and Prevention signature is on the Bill of Sale between US Bank and XXXX XXXX XXXX , XXXX. This Bill of Sale is IDENTICAL to Bill of Sales in other cases ( Court documents can be supplied on request ). XXXX XXXX XXXX 's signature on the US Bank 's Bill of Sale supplied by XXXX XXXX does not match his signature on a Forward Flow Assets Agreement between US Bank and XXXX XXXX, XXXX. The robo-signing of U.S. Bank 's Bill of Sales have resulted in inaccurate court affidavits and pleadingsXXXX XXXX XXXX representing XXXX XXXX XXXX , XXXX signed the Bill of Sale between XXXX XXXX XXXX , XXXX and XXXX. XXXX XXXX XXXX signed as Vice President of XXXX and actually is and was President and Secretary of XXXX. XXXX XXXX XXXX of XXXX & XXXX representing XXXX XXXX XXXX signed Bill of Sale between XXXX and XXXX XXXX. XXXX XXXX also has signed as VP of Sales and Marking for XXXX XXXX XXXX. Her signature is different on every document that I obtained ( documents can be supplied on request ). XXXX submitted an unauthenticated Affidavit of Debt from US Bank by XXXX XXXX XXXX XXXX that does n't meet XXXX State laws. Also, the Affiant, XXXX XXXX XXXX, does not describe how he has personal knowledge of the company 's daily operations. He does n't describe why there are XXXX credit card statements and what happen to the rest. He does n't describe how he has personal knowledge when payments are sent to XXXX XXXX, XXXX and inquiries are mailed to XXXX, XXXX. Also. He ca n't authenticate the amount of the debt and how it was calculated. He ca n't provide documentation of the amount of the last payment as required by XXXX Law. Also, he can not provide last statement which shows what is owed on the alleged debt. The unauthenticated Affidavit of Debt is inadmissible and XXXX XXXX knowingly continues to submit it the court. Also, XXXX XXXX ' Affiant states he has personal knowledge of how US Bank maintain its business record. In fact, XXXX ' Affiant has never worked for US Bank and does n't know how US Bank keeps its business records. XXXX XXXX have brought a lawsuit against me XXXX violating Federal and State laws to prove Chain of Title by using defective affidavits, robo-signed affidavits and forged signatures. I will submit documentation of robo-signing, and forged signatures by certified US mail upon request. | ||||||
| 11/30/2017 | Yes |
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| I have concerns regarding the practices at US Bank. I spoke with a bank teller by phone about overdraft fees on my account for purchases that had cleared the bank.These concerns are regarding purchases made by debit card. She explained to me that when the vendor/merchant actually collected the money, I did not have funds available. So, I further inquired as to why then did those transactions clear 3 days earlier. She goes on to say that @ the time I made the purchase ( on the day I swiped the card ), that the funds were available. She explained that when the card is swiped the funds are HELD ; however, when the vendor/merchant collects those funds, if other purchases were made in between that time, then they look @ what 's in your account @ the time the vendor collects. If the funds are not available, then they pay those charges and charge you an overdraft fee. This appears to be very underhanded to me. First, if they are holding the money for those transactions, then the money was available. Why are n't they paying the vendor with the money they are holding, which would prevent them from having to charge you an overdraft fee? Why are they lookiing at the balance of your account x number of days later to see how much you have available, when they are holding enough money to clear the charge without fees? Secondly, if they are holding money for charges you make, then they reduce your available balance. When they reduce your available balance, then it makes perfect sense that you would then hot have enough money to cover charges on the day that the vendor collects ( which may be 2 to 3 business days later ) - and yet, they are still holding the money. They pay them against the reduced insufficient available balance ( while still holding the money ). Which creates a case for them to charge you overdraft fees. Further, if other transactions are made in the interim, you available balance is further reduced, and it becomes an endless cycle of 'we 're holding the money for your transactions, but when the vendor elects to collect those monies, we 're gon na determine whether or not you have the money to pay them - not based on the amount we are already holding - but on whether or not you have enough money at that moment. If you do n't have it, ( becuz we 're holding the money AND/OR because we 've reduced your available balance because we 're holding money ) then we 're gon na charge you a fee & pay it for you. ' Yet they are STILL holding onto the amount of money that would 've paid it in totality w/o there being any fees. And since now you have fees, your account balance is further reduced, so therefore, you may not have money to cover purchases you made in the interim, when you did have available money because at this point, your account is overdrafted This sounds to me like unscrupulous banking practices. Many banks have had class action lawsuits filed against them for these types of tactics, and I believe that US Bank should be investigated into further. Clearly, their transaction policies are putting their customers in unwarranted financial distress - to the banks benefit. I would like to know who I can contact that may be willing to investigating what I believe is underhanded practices. | ||||||
| 08/26/2022 | Yes |
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Web | Servicemember |
| 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. *Coercion to harm my physical person, my wifes person, and my childrens along with our property. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. *Obscene and language the natural consequences of which is to abuse the hearer or reader. U.S. Bank representative interrupted me on harassing phone calls informing me they can harass me and the harassment will continue. ( Your company recorded and was forwarded to a level-up representative ) ( 4 ) The advertisement for the sale of any debt to coerce payment of the debt. *The threat of foreclosure / short sale which means U.S. Bank would advertise the sale of my property hurting my physical person and the reputation of me personally and my family. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. *Mention above and after letting the U.S. Bank representative this fact was told they can and will continue to call until this matter is settled. The higher-level representative told me it was completely unacceptable and agreed it should not have been happening. The same representative called the next day and left another message trying to get me on the telephone. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. *I personally spoke with four different US bank representatives making them aware they were knowingly harassing me, and my family as mentioned above. Was told the phone calls will continue, which they did. | ||||||
| 05/28/2018 | Yes |
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Web | Servicemember |
| I purchased my home in XX/XX/XXXX ( what I thought was the end of the financial crisis ). I received XXXX XXXX military overseas ( XXXX- XXXX XXXX XXXX XXXX ) orders in XX/XX/XXXX. I was unable to sell my home as it was worth {$50000.00} + less than what I owed on it. We attempted to rent, however, that situation became impossible. I was then forced to look into loan modification/loss mitigation/foreclosure alternatives. U.S. Bank convinced me to proceed with a short sale on my home. From early correspondence, US Bank knew I was XXXX XXXX military and that receipt of XXXX orders is a qualifying hardship. However, US Bank required multiple other documents, statements of financial hardship, financial worksheets, etc. to prove my financial hardship before they would proceed.. Further, U.S. Bank delayed the short sale qualifying process significantly requiring the same documents to be sent multiple times, claiming they never received them. U.S. Bank also required that I be late a minimum of 3 payments on my mortgage in order to qualify for the short sale, although this is not a requirement, particularly for military under the Servicemembers Civil Relief Act. The late payment information is still reflected on my credit report under XXXX, XXXX, and XXXX. The late payment information needs to be removed from my credit report as U.S. Bank made missing payments a condition to qualify for the short sale. The loan was a VA loan and therefore backed by the VA. Therefore, U.S. Bank was paid in full the entire loan balance. The US Bank home mortgage account should therefore be described in all my credit reports as paid satisfactorily. Further, under protections of the SCRA and Military lending act, I can not be forced to waive consumer protection laws. Under the Military Lending act, a creditor cant require you to submit to mandatory arbitration or give up certain rights you have under State or Federal laws like the Servicemembers Civil Relief Act. U.S. Bank threatened to foreclose on my property numerous times and to evict me from my house. Further, they required I waive my rights under the SCRA 1 day before I needed to sign my final seller 's agreement on the short sale. This is not a reasonable amount of time to consult an attorney, particularly being XXXX overseas and is a clear violation of my rights. To further demonstrate U.S. Bank 's improper handling of my short sale, they submitted to me a short sale approval/demand statement dated XX/XX/XXXX that required me to submit documents by XX/XX/XXXX. As I can not travel back in time, this demand statement set me up for failure, is unreasonable and should be remedied. Further, XXXX is still showing my account as active, though it was closed in XX/XX/XXXX. This needs to be corrected immediately. I am requesting U.S. Bank Home mortgage remove any negative credit reporting information / late payment information from any and all of my credit reports ( to include XXXX, XXXX, and XXXX ) and report my account as paid satisfactorily. They should also update their own internal records to show my account as paid in full. Additionally, I am requesting a formal apology from U.S. Bank for the personal and financial hardship their actions have caused me. | ||||||
| 10/20/2015 | Yes |
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Web | Older American |
| Dispute of past due reports on our XXXX Business card from : XXXX BANKPO BOX XXXX XXXX, MO XXXX a number of years, every month I receive an identical email notice from US Bank stating the following : ****************************************************************Account Number ending in XXXX Online Statement through XXXX/XXXX/XXXX is now available. To view, log in to U.S. Bank XXXX Banking at XXXX. Please do not respond to this message. If you would like to contact us, please log in to U.S. Bank Online Banking at usbank.com and send a message to Customer Service. You are receiving this email because you signed up for alerts through U.S. Bank Online Banking. If you no longer wish to receive this alert, log in to U.S. Bank Online Banking at usbank.com to temporarily disable or permanently delete this alert. U.S. Bank Online BankingXXXXIn response to this notice each month I attempted to follow up with U.S. Bank Online Banking at usbank.com. Each time I received the same message : Sorry, our system is currently unavailable. Please try againOn occasion I did call the bank to inquire about my balance and was assured it was XXXX. Therefore, each month, since I had not used this account, I did not feel it was necessary to call US Bank to learn that I owed nothing. The following shows my account balances as reported by the bank to the credit bureau for eight months : XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX starting in XXXX they reported the following : XXXX XXXX $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX for months I 've received an email alert from US Bank even though I owed them nothing. Apparently in XXXX of this year they charged me their annual fee of {$39.00}. All I received was the same generic alert ( shown above ). Each month after that I received the same notice with NO indication my payment was delinquent. The bank never directly contacted me that a payment was past due by any other means. With my numerous other credit cards I normally receive a phone call, mailed notice and/or an email indicating that I had a past due balance. According to the Fair Credit Billing Act ( FCBA ) US Bank is obligated to provide me a statement for each billing period in which I owe more than XXXX dollar or on which I have been charged a finance charge - No such notice was given by US Bank! Instead each month they just added on a late fee without any indication to me that a payment was past due. While neglecting to inform me, they did not miss the opportunity to tell the credit bureaus. Now I 'm told that XXXX wife 's and my credit score or so low that purchasing a new home is not possible - This is a direct result of US Bank. In an hour long conversation with US Bank they did finally agreed to eliminate all the late charges and I paid the {$39.00} annual fee. However, they refused to take any steps to correct their delinquent payment reports to the XXXX credit bureaus. I filled an appeal with the credit bureaus and US Bank continues to refuse to remove the dings to our credit reportMy wife and I wish to re-establish our good credit. We should not be penalized by US Bank 's poor business practice and systems. | ||||||
| 04/09/2020 | Yes |
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| I have been trying to reinstate my mortgage with US Bank as it went into foreclosure earlier this year. 1. Around XX/XX/XXXX, I received a statement pictured in the attached image. It listed the reinstatement amount as {$23000.00}. 2. After going through an exhaustive process, exacerbated by my being a XXXX during this pandemic, I was able to just barely amass the needed funds. 3. On Monday XX/XX/XXXX, I spent well over an hour on hold before hanging up, trying to ascertain details as to the amount and if there would be someone there to receive payment. I have phone records that can prove this. 4. On XX/XX/XXXX, having no other alternative, I XXXX XXXX payment to the address provided in the statement ( checks also in the attached image ) figuring it would be close enough. 5. I tried calling again the next day and also hung up after being on the phone for a lengthy period of time. 6. On Monday XX/XX/XXXX, I received a letter in response to my payment along with the cashier 's check for {$14000.00} saying the funds were insufficient. 7. After a more than 2 hour hold, I was able to get through to a customer service representative where I was given the following information : A. US Bank knowingly shredded my personal check, telling me they only accept one check for payment. B. I had to request to get an exact amount for them which would take 7-10 days to receive. 8. I pleaded with the rep and told her that ; A. I had tried to get an exact amount the week before but they failed to adequately cover customer service. B. Accruing additional penalties, while not my fault, would likely obstruct my ability to reinstate the loan. 9. In response she told me ; A. The amount would not be much more than the $ XXXX in the statement. ( I have a recording of this phone conversation to prove my points ). 10. On XX/XX/XXXX, I received a reinstatement quote for more than $ XXXX, a 15 % percent increase. It said it was valid through XX/XX/XXXX. 11. On XX/XX/XXXX, to my horror, I then received another reinstatement quote for more than $ XXXX. I don't even know if I can come up with $ XXXX, an amount that US Bank calculated despite the fact that they were negligent in their response and shredded part of my payment. I also don't know where these extraordinary increases are coming from as my regular mortgage payment is around {$1600.00}. Even if property tax ( $ XXXXmonthly ) and home insurance ( $ XXXX/monthly ) were added, they don't even come near the more than {$3000.00} monthly increases which, in my opinion, amount to usury. This doesn't even mention that I'm also behind in my HELOC payments to them - around $ XXXX currently due - and have no way of knowing whether or not that is separate from this all as I can't get them on the phone to get an answer. I am being punished because US Bank is unable to adequately perform their operations as the law requires and may lose my house as a result of their criminal negligence. Banks are being given bailouts by the federal government and being charged no interest for their debt, yet somehow they are being allowed to evict people from their homes unless their delinquent mortgages are paid along with exorbitant fees. This is beyond unfair. Please help. | ||||||
| 06/12/2023 | Yes |
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| I am writing to express my deep disappointment and frustration with the recent experience I had as a new customer of U.S. Bank. My decision to join U.S. Bank was primarily driven by the enticing offer of a {$600.00} bonus for new customers who signed up for your payment solution. Unfortunately, the bank has failed to deliver on this promised bonus, leaving me feeling deceived and let down. On XX/XX/2023, I completed all the necessary requirements outlined to qualify for the {$600.00} bonus, including signing up for the payment solution and meeting the specified terms and conditions. I eagerly anticipated the arrival of the bonus in my account, expecting it to be credited within a reasonable timeframe. However, to my dismay, several months have passed, and the promised bonus has yet to be received. Multiple attempts to seek clarification and resolution through your customer support channels have proven futile. Each time, I have been met with vague assurances and empty promises that the bonus would be credited shortly. Regrettably, these promises have proven to be nothing more than empty words, further eroding my trust in U.S. Bank 's commitment to its customers. The failure to honor the advertised {$600.00} bonus is not only a violation of the trust I placed in U.S. Bank but also a breach of the terms and conditions outlined by the bank itself. By luring new customers with the prospect of a substantial reward and subsequently failing to fulfill this commitment, U.S. Bank has demonstrated a lack of integrity and has left me questioning the credibility of the institution. Moreover, the lack of transparency and accountability in addressing this issue has been deeply concerning. The dismissive responses from your customer support representatives, who seemed more interested in shifting blame than resolving the problem, have only compounded my frustration and disappointment. I urge U.S. Bank to rectify this matter promptly and credit the promised {$600.00} bonus to my account. It is essential for U.S. Bank to uphold its commitments, honor its advertisements, and prioritize the satisfaction of its customers. As a new customer, I expected transparency, reliability, and a high standard of service, none of which have been delivered thus far. If this matter is not addressed promptly and the bonus is not credited as promised, I will be left with no choice but to escalate this issue to relevant regulatory authorities and consumer advocacy organizations. I am hopeful that such measures will not be necessary, as I genuinely believe that U.S. Bank values its reputation and the satisfaction of its customers. I request a written response within XXXX days to this complaint, acknowledging the issue, providing a clear explanation for the delay, and assuring me of the prompt resolution and crediting of the {$600.00} bonus. I also expect a formal apology for the inconvenience and disappointment caused by this situation. I trust that U.S. Bank will take this complaint seriously and undertake the necessary actions to restore my faith in your institution. I remain hopeful for a swift and satisfactory resolution to this matter. Thank you for your attention to this complaint. Sincerely, XXXX XXXX | ||||||
| 11/02/2018 | Yes |
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| My family 's house was flooded in Hurricane Harvey last year in XXXX so we were misplaced. We were first told by US Bank in XXXX that we would be placed in a disaster relief program for Hurricane Harvey victims that will allow us not to be responsible for payments until the end of XXXX in where those payments would be placed on the back of our loan. When that time came, they then gave us new account manager who instructed us that the information we were given is no longer the case and that we would have to apply for that eligibility. We then applied and were offered a HAMP trial loan modification. We originally declined that offer and pursued a short sale status because we wanted to sale the house. However, we were unaware of the impact a short sale has on your credit and ability to purchase another house. So as we waited to get approved for the short sale status I was speaking with our US Bank relationship manager XXXX XXXX on Friday XX/XX/XXXX when I asked her if it was possible to go back and approve the HAMP Trial. She then placed me on hold and said she would go ask her supervisor. She came back online and said, yes we could go back and place you in the HAMP trial and that all we would have to do is sign the approval form and send it back to them. I then email her on XX/XX/XXXX asking for the form because I did not receive from her yet. When I got no reply I called in and got another relationship manager XXXX XXXX who sent me a different form by mistake, then once I informed her she sent the right form. I then signed the form and sent it back on Monday, XX/XX/XXXX at XXXX with a requested approval letter. I then made my first payment for the HAMP trial on XX/XX/XXXX as XXXX XXXX requested me to do so over the phone. On XX/XX/XXXX I called the customer service number to ask about my second payment being sent in and was then told by the Relationship Manager who answered the phone and placed me on hold for about five minutes that I was no longer in any mitigation programs at all. I kindly explained to her that I was approved for the HAMP trial, but she kept repeating that I originally denied the HAMP trial so I can no longer proceed with it. I explained to her the situation and she just kept repeating that I denied the HAMP trial and could not be approved for it. She then transformed me to a supposed manager named XXXX who repeated the same thing over and over again and told me we would have to re apply for any assistance with our loan and that our loan has been out of a mitigation program since XX/XX/XXXX. Essentially, everything that was done to approve the HAMP trial in XXXX was no longer valid. I told them I have documentation and they said just file a complaint. No one apologized for this. No offered any assistance to rectify their mistake. They just kept insisting that I denied the first offer of the HAMP trial even though approved for us to do it again in XXXX. As Hurricane Harvey victims who did not ask for this, we feel we are being grossly mistreated and that US Bank should honor what they said they would do. We plan to take this matter public so everyone can know how US Bank treats victims of Hurricane Harvey and goes back on what their documented promise of assistance. | ||||||
| 06/07/2021 | Yes |
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| I requested to close my account with US Bank in XX/XX/XXXX. My account was overdrawn so I had to reconcile that and got it fixed in XX/XX/XXXX. My account was closed in XXXX of this year and this year and after that happened, in XXXX, I received a refund of payment from XXXX XXXX in the amount of {$320.00}. On XX/XX/2021 I received about 5 or 6 letters from US Bank saying that my account was closed and received a refund of that payment and it caused the account to reopen, however, it was closed again and the money was issued to me in a cashier 's check. That same night I Opened another piece of mail and it actually was a cashier 's check from US Bank totaling {$260.00}. I had no clue what it was for until I spoke with someone from XXXX XXXX letting me know that it was The money we were waiting for from a cancelled vacation. Beginning on XX/XX/XXXX I called US Bank because I was missing the additional {$57.00} that was supposed to be sent to me in a cashier 's check as well. I spoke to 3 people that day who had no idea how to find out what happened to the cashier 's check because there was no cashier 's check number or tracking added to any of the 6 letters US Bank sent me saying that the cashier 's check was actually coming. The last lady I spoke to told me She would create a case for me to get the 2nd cashier 's check reissued And I would be hearing from someone in that department no later than 2 weeks. I never received a phone call or a reissued check. XX/XX/XXXX I called again and it was the same runaround, agents were saying they could not see any information about the reissuance of the cashier 's check or anything related to the original case that she created on XX/XX/XXXX. After a while on the phone they sent me through the same process saying they will get the check reissued and I would be hearing from someone. Again, I never heard from someone so on XX/XX/XXXX, I called again. That same day I spoke to an agent, a lead, someone from card member service, And then back to another personal banker/agent. I hope you understand why I'm XXXX even if it is only {$57.00}. It is now XX/XX/XXXX and I have yet to receive my 2nd cashier 's check. I was told on XX/XX/XXXX that I would hear from someone in 2 business days regarding this new case that was being opened for investigation-I 've heard nothing at all. I called today, XX/XX/2021, and neither agent nor the lead I spoke to Could help me with this situation. The agent said he had no clue and transferred me to a team lead who This in turn told me he was unable to see any of the information and need XXXX to get me back to a personal banker. Obviously I refused and told him someone need XXXX to help me and today. He said he was getting me over to the team who helps with check reissuance and transferred me back to the XXXX Beginning automated system. I just want my money and to be done completely with US Bank. They have mishandeled my money and now there is a lost cashier 's check somewhere and they're saying I should've received it but can't and won't assist me in actually locating where it is or reissuing another one. This has now been close to 2 and a 1/2 months where I have been given the run around regarding my money and I am XXXX. | ||||||
| 05/08/2023 | Yes |
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Web | Older American |
| During the weeks of XX/XX/XXXX & XX/XX/XXXX, I spoke with multiple US Bank IRA representatives about how to make sure that the required action would be taken to mail a direct transfer check from my IRA CD account to another lending institution ( IRA CD Account ) in a timely manner upon maturity. On multiple occasions, I was advised that the most expedient way would be to have the receiving institution Fax the transfer request to XXXX in advance of the XX/XX/XXXX maturity date, and that within three days processing could be completed so the check would be mailed out on the first business date after the Sunday maturity date. XXXX XXXX XXXX XXXX faxed the transfer request to US Bank on XX/XX/XXXX ( 10 days in advance of the maturity date ). A few days later, I spoke with another US Bank IRA rep who checked with the back office and confirmed that the fax had been received and the request was being processed so the check would be mailed out on XX/XX/XXXX. On XX/XX/XXXX, I spoke to yet another US Bank IRA rep who also checked with the back office and confirmed that the transfer request had been processed and assured me that the check would be mailed out on XX/XX/XXXX. On the afternoon of XX/XX/XXXX, I called and spoke with another US Bank IRA rep XXXX XXXX who works from home ) to determine whether the check had been mailed. She checked with the back office and told me they advised her that they have not yet processed the request and indicated that it would be 7-10 additional business days before the check would be mailed out. Assuming that someone in the back office gave her a quick answer without looking into my the status specific request, I asked to speak to her supervisor. After being put on hold for an extensive amount of time, I was connect to her supervisor, XXXX ( XXXX in the XXXX, Wisconsin office ). I explained the situation to XXXX in detail and he agreed to contact the back office yet again to determine what is going on and call me back. When XXXX called back, he told me that the back office advised him that they are running behind and advised him that they have not yet processed the request and indicated that it would be 7-10 additional business days before the check would be mailed out ( the same thing that XXXX had told me ). I then asked XXXX how I could speak to someone higher up and/or file a complaint because there is no excuse for misinformation and such a delay in transferring my funds, when in fact, the transfer request was generated 10 days in advance of the maturity date. He first told me there was no one I could call, but that I could file a complaint on line. However, when I asked him how to locate the online complaint form, he determined that there is no online complaint form, but suggested that I write a letter to a XXXX XXXX, Minnesota address. In that this is a time sensitive situation involving a sizeable amount of money ( $ XXXX ) and questionable banking practices, I am sending my complaint to the Consumer Financial Protection Bureau ( CFPB ). It is totally unreasonable for it to take 18-21 days to have a check mailed to transfer my funds ; and this exclude the time the US Mail will take to deliver the check. Is US Bank on the verge of failure? | ||||||
| 09/16/2022 | Yes |
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Web | Older American |
| I was very confident about opening my new US Bank account on XX/XX/2022. I have been gradually transferring my retirement and 401K funds from my XXXX Account into this new account over the last few weeks and have much more to complete. Unfortunately, the teller that opened my checking and savings account illegally accessed my consumer credit report and attempted to open a credit card without my permission. We sat together at the desk and discussed the offer to open such an account which I verbally declined. He told me that I needed to open a credit card account to avoid fees. I explained to him that since I am over XXXX that US Bank will not charge me monthly fees, which he was not aware of. I also explained that my credit score was only XXXX that week due to an emergency the previous month when i had to quickly max out my current XXXX credit cards. I knew I would be declined and dont need an additional card at this time. I said that in the future I would apply for the US Bank card. I am VERY well-informed about repairing my credit score so that I can refinance my current car loan soon and possibly buy a home in the future. I am more cognizant of the credit game than your average person. Additionally, the teller ordered preprinted checks for my account after I declined preprinted checks. I told him that I would purchase some online from another company and he provided me with some counter checks. Hilariously, the checks that he ordered are NOTHING that I would have ordered. They were of a political nature and my political views, although personal, have nothing to do with those checks. He read my WRONG. The bank manager refunded those checks and shredded them for me. It always seems to me that US Bank pressures its employees to meet sales goals as part of their job requirements, offering them incentives for selling bank products because I am literally asked every single time I walk up to a teller at the branch if I want a US Bank credit card. I have told all XXXX of them, repeatedly, no, that I needed to raise my credit score first. They could attest to that if asked. Also, why would I say yes to one person and not the others or tell them that I had already applied? The answer is because I had no knowledge that an application had been submitted. The bank employee illegally accessed my customer credit report and personal data to open an account without my permission. I am requesting that the inquiry for credit be rescinded as it was fraudulent. I was taken advantage of by misappropriation of my consumer data to create a fictitious account for which employees now receive incentives only for accounts where the customer uses the service. U.S. Banks conduct harmed my financial opportunities in the form of a potential unwanted account and a negative effect on my credit profile. the only measure that was taken by the bank manager was to ask me if I had read the 1/4 inch form that the teller handed me which she said had my signature approving the inquiry. When I signed the tiny screen approving my new checking and savings account, after declining the offer for a credit card, I never gave it another though. I trusted that the teller had abided by our discussion and my needs.. | ||||||
| 08/04/2023 | Yes |
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| In late XXXX I was at my bank XXXX XXXX XXXX XXXX WV and noticed an advertisement for a secured credit card through XXXX XXXX... I inquired about it with one of my bank managers who told me he can set it up for me, I needed it to help me build my credit and if I got approved then they take the XXXX dollar deposit out of my savings account.MY BANK called me the next day and told me that i had been approved for the secured card and that they had taken the deposit out of my account and that I would receive my new card within 7 days. i received my card and activated it and started using it. I put another XXXX on near the end of XXXX, XXXX because I knew that my charges had just gotten posted so I wanted to go into XX/XX/2023 with my payment paid in full while still maintaining a XXXX dollar arability. So the first week of XX/XX/2023 I made about between XXXX and XXXX dollars at best. A couple of days later i was out eating and my card was declined. I called the card company and explained to them what happened. The agent told me my card had been locked for high risk, I explained to him that not only did I have the card but a little over a month my bank submitted all my documents, he said that ID get something in the mail. I didn't get anything in the mail but on XX/XX/2023 i got an email from XXXX saying that i had a closed account so i figured that they would be sending my refund, however i got a bill in the mail for XXXX to make a payment to an account that they closed. Then i get another email from XXXX saying that i have a XXXX point drop in my credit score that a closed account is now reporting late payments. i called Elan Financial to make the complaint which all phone calls were recorded. They kept trying to tell me that i didn't close my account up properly and told the agent the no they didn't close my account right because they were the ones who closed it and purposely allowed their greed for interest fees and late fees for XXXX, XXXX, XXXX, XXXX all these months I had no access to make any transactions due to it was closed in XXXX, and it totally ruined my credit. When when they closed my account in XXXX i had a credit of XXXX and the charges I made were less than XXXX that had already posted yet Elan Financial found it necessary to not refund me but instead not notify all departments that this is a closed account and to be charged nor billed any more period. They kept trying to get me to pay them for XXXX, XXXX, XXXX, XXXX saying that until they apply my credit to all my charges I will still get charged and I kept telling them that I'm not paying for the fraudulent created charges by them and that i will be putting it all in my lawsuit then they sent a letter in XX/XX/2023 explaining the procedure wow XXXX months after they purposely charged me for nothing. And then sent me a check for XXXX which means they charged and took money for the 4 months after they closed my account. It was only one woman who helped me, and she went through all the recorded phone calls and couldn't believe how they were doing me she apologized on behalf of the company and also put a Cease & Desist on my account, so they would stop trying t o charge me. i have documents I'm uploading as my proof. | ||||||
| 01/03/2017 | Yes |
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| On XXXX XXXX we were advised our Business Checking Account was overdrawn as a result of a {$600.00} withdrawal paying a XXXX Account for some XXXX with the name of XXXX XXXX. We contacted XXXX and they confirmed the payment was made and that our bank could ask for a reversal of the transaction. We went to the Bank and learned that was n't to happen. They informed us that we would have to submit a Fraud claim and wait 90 days for them to investigate a matter that should have been caught at the processing level. There is nothing on this check to indicate it is any thing but a fake check. In the interim they charged us with numerous overdraft fees, which they have reversed with the exception of XXXX. They submitted a Fraud Claim stating it was on an ACH withdrawal and advised us we needed to open a new business account which we immediately did. They assured us our money would be placed back in our account while they were investigating the claim. They helped us complete the forms and 1 week later we learned the Fraud was denied as they stated it was not an ACH withdrawal but an unauthorized Draft and we would need to resubmit. Back to the bank where they again helped us complete the forms. We furnished the bank with XXXX outstanding checks and our first 7 days of automatic withdrawals. We were assured us they would clear the checks that we had written and cover any automatic deducts we had coming up. We were also advised that our Business Check Card would remain active. On XXXX XXXX I was advised my check card could not be processed. I was at a business meeting with XXXX fellow business affililiates and now I 'm told my card could not be processed. There was over {$6000.00} in that account that day. We are still getting hit for auto deducts that are being returned for " Account Closed '' and fines, fees, etc. continue to mount. Today, we were advised for the 3rd time they could not process our fraud claim because the bank submitted it wrong again. This is going on the 4th return of our Fraud Claim each XXXX assisted by the Bank Business Management team. How can we be reassured this fraud case will ever be processed when their own banking team does n't know how to do it. We want out {$600.00} replaced, they are n't out any monies as XXXX has agreed to return the funds to them. Our concern mounts as they continue to return drafts, etc. and depleting our new account. This is 30 days from the date we filed the original claim and we are back to starting over. If a check like this can be processed through a business account how can any of us be protected. I implemented every precaution on this account that was available. Nothing but our account number is correct, everything on here is clearly made up including the number to XXXX XXXX XXXX and a check number that is so out of sequence. We are on XXXX and the fake check states XXXX with a XXXX U.S. Bank location. We want to know why the business manager ca n't assist in processing this type of Fraud Claim? We have faxed the 4th Fraud claim form in which starts the clock over for another 90 days. Why does n't the bank see this was a clear error on the bank 's part and reverse this monies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN | ||||||
| 10/15/2016 | Yes |
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| All of my housing troubles started back in XXXX when I realized my now, ex-wife, was not paying the mortgage ; she was instead stashing money to prepare for a divorce. In our divorce, everything was split 50/50, except for the house -- I took that on. I figured I 'd be able to find a way to get out of the hole. I realized this was my first mistake since I was unemployed at the time, but did n't feel like I had any other options besides keeping the house. What followed was the 50/50 split with our kids turned into me having them full time ; this came into affect XXXX. I did n't complain about the new agreement because I did n't feel I had the right to. I wanted to do what was best for my kids & ensure they were cared for. However, this caused more financial strain & debt. It was about this time I tried my XXXX of XXXX loan modifications with US Bank. I completed the requirements & was denied a modification because I was new at my job. Over the next 3 years, 4 others attempts were made to modify the loan -- all failed attempts : payments were lost, returned, or late. Even after all of these failed attempts, I still thought I could manage to reconcile the damage. I was trying to keep things normal for my kids & was working my butt off, leaving myself little to no time to figure out any other options. I also just did n't want to be a failure. Fast forward to XXXX when I started XXXX again for no apparent reason. Debt was rising and mortgage errors were so far out of whack that all I had was a prayer to get caught up. I continued to be stubborn & stay in the house due to positive thinking, much like I still am now. XXXX, I went to the hospital with XXXX & found out I was having a XXXX XXXX. I had always had them, but was n't aware there was anything wrong ; I just thought it was normal. Over the next month I was diagnosed with XXXX. I had all of XXXX off for medical reasons & in the XXXX of that year I put myself through treatment for XXXX. During this time, we were also discovering more about my mental health & how it would continue to affect me. I used to be so XXXX. I 've worked with my XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) worker to find that routine and structure are very helpful, but I have not yet gotten this completely in order. My XXXX worker helps me sort XXXX. and even getting assistance with these small tasks helps me function better XXXX. So how does this all relate to my housing situation? I learned from my father to not make excuses, be responsible, & handle your own problems because no one else cares about them. Because of my XXXX, I was a reactive person, not a constructive thinker. Even now as I attempt to avoid homelessness, I am still clueless about next steps. I do n't have a plan of where to live, how I 'm going to pay for another house or who to talk to about any of it. I do n't even know if I have room in my head to figure it all out. In sum, this house is home for my kids and me. It 's solid, safe, welcoming & restorative. It 's my chance to break a generational cycle of poor decisions & public assistance/housing. I 've unknowingly followed in my father 's footsteps despite my efforts not to. My kids & I need this house to ensure a better future for us. | ||||||
| 10/04/2020 | Yes |
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| Reliacard has basically stolen my money. About a month ago when I first received my benefits from pua shortly after my entire family has contacted XXXX and were XXXX XXXX for days and my brothers who have XXXX are still feeling symptoms who I am taking care of. I made a transfer to my personal bank after receiving the card and three days later without any notification they had restricted my account. I spoke to a rep and he said it was because of a transfer and asked for me to send in a piece of mail with my ID and SSN through fax which I Did. I called back a week later and the next rep informed me I need to send it again because it was not legible. That apparently wasnt the case because I did a and a week later I called the rep I spoke to said that they didnt say it wasnt legible and I needed to send in tax documents. The reason I also applied for pua is because of insufficient work history. I was XXXX XXXX XXXX as a side XXXX and XXXX for XXXX XXXX I can not get a w2 or any form of tax documents because I did not make XXXX that year they said a paystub would be okay so I sent them my bank statements that show my direct deposits and they did not accept that. How am I supposed to get a paper paystub when Im receiving direct deposits from an online e-commerce site. I wrote them a letter which I will attach to this stating that I dont have a w2 and that is not a requirement for me. I called them literally at least 100 times each time the reps say the same thing finally I asked for a supervisor and she said we will not work with you and basically she doesnt care and banged the phone. I was not rude I was just explaining what I receive. My bills have not been able to be paid and Im relying on my gf while there blatant stealing my money and based on the XXXX website and XXXX tons of others. I have over XXXX in unemployment that Im entitled to being stolen from me. My unemployment is in good standing there are no issues this is all on the bank side Ive called pua multiple times and they just put a note on my account for a supervisor they say there is nothing they can do there is nothing wrong with my claims and us bank reliacard is a separate entity and all they can do is send it to their audit team to reach out to reliacard but will take a while because there is so much going on and advise me to take this up with usbank. They say I am not the only one this is happening too and are aware of the messed up situation. I continue to call reliacard and I get reps who pick up they are clearly high on XXXX they laugh as they hang up and I practically get cursed out by a supervisor for explaining that I need this money and that I can verify some other way but I do not receive w2s and that my bank statements they viewed show my direct deposits which is basically a paystub. This is straight theft and Im thinking about filing a small claims or class action in court please help me get my reliacard activated or my benefits another way this bank is clearly corrupt and they are messing up my life. Ive contacted state reps and XXXX with no help Ive contacted the treasury and was told I would receive a call back to help but a time was unknown that was a week and a half ago still no phone call | ||||||
| 02/27/2020 | Yes |
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| On Sunday, XXXX XX/XX/2020, I received a text with a link to a job offer from XXXX. I used the link given to apply for the job. Later that afternoon someone calling himself XXXX XXXX ( XXXX ) called me and introduced himself as a hiring manager for XXXX. He told me that I was hired and explained what he would be doing the following week. He said that he would be sending me a check for {$3900.00} via XXXX. The XXXX tracking number I was given this number XXXX XXXX XXXX XXXX XXXX XXXX. Upon receiving the check I was supposed to deposit it in my bank account. After the funds were available in my account, I was instructed to send {$3400.00} to their " expert installer '' via XXXX, so that they could install the marketing materials immediately. The extra {$500.00} was supposed to be payment for my first week. I received the check on Thursday, XXXX XX/XX/XXXX. I notified XXXX that I received the check and there might be a problem with it because it was not from XXXX. It was from XXXX XXXX, XXXX XXXX said that was ok because it was another account that he managed. He instructed me to deposit the check and use XXXX to transfer the money to the installer, XXXX XXXX. I deposited the received check in the afternoon at the US Bank Branch at XXXX XXXX XXXX in XXXX XXXX on Friday, XXXX XX/XX/XXXX. However, there was a problem with the XXXX app ; so I called XXXX back to advise him. He instructed me to go to the post office and buy a money order and overnight mail it to XXXX XXXX. When I questioned this, he told me that she was XXXX 's business partner. I went to the post office and found out that maximum postal money order is {$1000.00} and the limit I could receive from my debit card was {$2000.00}. So, on XXXX XX/XX/XXXX, my daughter and I purchased {$2000.00} from the XXXX on XXXX XXXX XXXX in XXXX XXXX and mailed them to XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX ( XXXX ) XXXX. The following day, XXXX XX/XX/XXXX, the XXXX app was working and I transferred {$1400.00} to XXXX XXXX using his e-mail address : XXXX. The confirmation code is : XXXX. XXXX was supposed to contact me about installing the marketing materials. However, XXXX called to tell me of a delay on XXXX XX/XX/XXXX. Of course there was no delay, the check was returned on XXXX XX/XX/XXXX, because it was either forged or from a fictitious account. I didn't find out the check was bad until Friday, XXXX XX/XX/XXXX. I went right away to the US Bank branch on XXXX XXXX. I was told by someone in their fraud department that the bank would not accept any responsibility and I was responsible for the entire amount because they did not consider it a case of fraud because I sent the fraudsters the money. I talked with my son, who is an Asst US Attorney, who told me to file reports with several entities : FBI, Consumer Financial Protection Bureau, XXXX XXXX Police Department, Missouri Attorney General 's Office, Minnesota Attorney General 's Office, and with Office of the State Bank Commissioner of Kansas. I filed the FBI report on Monday, XXXX XX/XX/XXXX ; the PD on Tuesday, XXXX XX/XX/XXXX ; and the remaining four reports on Thursday, XXXX XX/XX/XXXX. I also plan on escalating the issue with US Bank on Friday, XXXX XX/XX/XXXX. | ||||||
| 08/29/2016 | Yes |
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| I filed complaint number XXXX with the Consumer Financial Protection Bureau against US Bank. US Bank allowed a fraudulent checking account be opened in my name and then once that account was closed they reported that account as a negative mark on my banking history with XXXX XXXX. I disputed this account directly with US Bank and with XXXX. US Bank has gone to great lengths to keep me from being able to dispute this account and has continued to toe the line in breaking the law set forth in the Fair Credit Reporting Act. US Bank has made it clear they do not want to investigate this claim and have attempted to force me to communicate with them outside of the CFPB. Let this complaint serve as official notice to US Bank that any communication moving forward will be through the CFPB so that they are held accountable by the CFPB. US Bank forced me to take off work and fill out the form even though I have filled out the official FTC Identity theft affidavit and presented it to US Bank through my XXXX dispute. US Bank has been the only financial institution that has refused to validate my claim of identity theft with the bank responsible for the identity theft. As stated in previous disputes XXXX gave out my personal sensitive information which resulted in identity theft. I am a resident of the state of Texas and US Bank does not even do business in my state. The account was opened online without my authorization or approval. I have attached the written response from XXXX when I filed my complaint against XXXX through the CFPB showing that they did in fact investigate my claim and found that it was a result of identity theft. XXXX also confirmed that my credit report has had an identity theft notification on it since XXXX. It is my understanding that the US Bank checking account was opened during a time in which my credit report had an identity theft notification on it prompting any third party to verify the application with my prior to opening the account. US Bank failed it follow this procedure and opened this account without my knowledge or consent. I am also attaching a letter from another creditor who also investigated my claim and deleted their negative reporting. Attached to this dispute is my photo ID, proof of address, the letter from XXXX XXXX which includes a toll free number for any third party to call and validate the claims of identity theft and the paperwork US Bank attempted to get me to send outside the confines of the CFPB. XXXX Response Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate there are fraudulent inquiries appearing on your credit report. You are requesting the removal of the inquiries from your credit. Upon further research and investigation, and in accordance with the FCRA, the disputed inquiries are in the process of being removed from your credit report. An updated credit report is being sent to your attention for review and confirmation. | ||||||
| 01/25/2016 | Yes |
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| Last summer, a US Bank employee at XXXX XXXX, IL, reportedly the branch manager who US Bank claims " is the branch manager but not the branch manager '' when their name is used, as they do about all facts externally verified about the criminal activity by US Bank employees continued to be engaged in criminal damage infliction with fraud, over 7 months later, falsified claims about a single {$330.00} deposit and turned the entire bank into an exploding " whoopee cushion '' including sending out false claims to reporting agencies, demanding " cash payments in person only to this branch manager only '', sending me threats by US mail and email and telephone, and inflicting by XXXX of 2015, {$10000.00} in damages with falsifications, illegal debt collections practices which include collecting fabricated debt even once, escalating into methodical systematic professional distruption attempting to cause more and more severe damage infliction through " removal of all public services and " demanding cease and desist '' in the same criminal sarcasm about the Cease and Desist US Bank to this date has complied with, and moving on to filing false statements with my business address at the XXXX at XXXX XXXX XXXX in XXXX XXXX IL which to this date is continuing to also result in my mail and any possible check being held up despite being forwarded to XXXX IL last XXXX by at least a month. Since XXXX XXXX " who is not XXXX XXXX '' also in the US Bank clearly collusionary " tone at the top '', as a lifelong XXXX XXXX resident graduate of XXXX XXXX who has never been to college, has also misused warrant protected information provided only for very restricted use for the administration of a business account and business credit card I closed a week after this started in XXXX of 2015 to no avail with the criminal damage infliction involving US Bank employees " with your information ''. From start to ongoing currently per the ongoing delay of any possible check in my business mail for so far a month. They have previously gone to external sources since the outset with XXXX fabrication after another at XXXX point falsifying claims to be " testifying for '' the long term client who wrote the XXXX {$330.00} check who provided evidence against US Bank, as the con continues to escalate. I at this point have strong reason to believe the perp probably lives in my apartment building due to the constant nature of the problem involving frustration with not evicting a business owner from their housing yet and continuing to operate the criminal damage infliction " with your stuff '' of US Bank, XXXX XXXX, and the also evidently XXXX branch manager at the XXXX XXXX Branch of US Bank, who in that tone at the top cultural climate, is a predator created by US Bank which has absolutely no lawful contact or options in this matter, but can not be removed. Particularly spewing at and about me for " cutting off all public services nationwide to Cease and Desist '' about a person who has demanded they stop contact since XXXX of 2015, to find XXXX XXXX and her pals simply escalating. They also have my SSN, birthdate, DL, and all other ID information which gets used to 'validate ' filing false claims since XXXX of 2015. | ||||||
| 11/13/2022 | Yes |
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| On XX/XX/2022, multiple fraudulent charges were made on my XXXX XXXX XXXX account charged to my XXXX XXXX XXXX XXXX credit card, which is managed by Elan Financial Services. Elan contacted me and I identified the charges as fraudulent. All but XXXX of the charges were reversed before posting to my statement, but XXXX {$74.00} charge was posted and Elan gave me a {$74.00} provisional credit. Almost XXXX months later, I received a letter telling me they are revoking the {$74.00} provisional credit and closing the claim case, as their investigation concluded it must have been me who made the purchase. I contacted Elan cardmember services, and was told no one could have made that purchase without physically having my card ( then why did the other XXXX charges get reversed, wouldn't those have been supposedly legitimate too? ). They also said I had received value for the purchase ( the digital copy of the videogame in question ) so they must charge me. In early XXXX, I then contacted XXXX to inquire about this. They verified that my account had been compromised, and that the fraudulently purchased digital videogame has been removed from my account. They also said that the purchase could have been made with a saved card on my XXXX account, no need to have the card in hand. In early XXXX, I informed Elan cardmember services ( fraud department ) of all this. In light of this information, and more information that was already in the case file and had been overlooked by the investigators ( I was told the purchase originated from a foreign IP address, and was made under an email address that clearly didn't belong to me ), the representative requested a re-opening of the claim, and said I would be called back by the investigators. I was never called back. XXXX : I contacted Elan cardmember services ( fraud department ) again. I was promised a call back from the investigators again, which I never received. XXXX : I contacted Elan cardmember services ( fraud department ) a XXXX time, and verified they had the right phone number for me. I was again promised a call back from the investigators, and never received it. XXXX : I contacted Elan a XXXX time, demanded to speak to the investigators about my case now, since the call back was not happening. I was informed that was impossible, as the cardmember services supervisor did not have a phone number for the investigators, and the only thing they could do is request that they call me back. I once again did not receive a call. I have not taken any action since then, as I wasn't sure who to contact until now. It was clear that contacting Elan again was a fruitless effort. That is why I decided to file this complaint once I was made aware of this process. Elan has failed to remedy my issue and return my money, even when there is more than sufficient evidence to suggest the charge was fraudulent, as believed from the very beginning. I have spent likely a dozen hours over a span of 4 months trying to make them resolve a very simple issue that other credit card companies handle in a way that is painless for the customer, and it still remains unresolved. -I have attached screenshots of my conversation with a XXXX representative. | ||||||
| 12/09/2021 | Yes |
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| In XXXX, I fell behind on my mortgage payments just as many people did during the aftermath of the real estate bubble crash in XXXX. In XXXX, US Bank who has now had my loan for 16 years introduced me to their loan modification program which I completed with flying colors ( never missed a payment and paid on time every time ). I was told by their agent that my current loan would be extended 10 years to cover the lost payments which I was fine with because I planned on paying it off early with extra principal payments. Time went on and I never missed a payment again. In XXXX of XXXX, I applied for a refi to get some equity out of the home and make some renovations. I was extremely surprised when XXXX XXXX informed me that there was a lien on my property in the amount of {$26000.00}. I've never taken out a second mortgage and never had a contractor do work and not get paid. After talking with US Bank they informed me that HUD gave them the money on behalf to cover my missed payments and apparently take care of closing cost for this new extended loan. None of this was explained to me in XXXX when they received the money after I had completed their loan modification program. HUD never contacted me to let me know they were giving US Bank money on behalf. If I knew of any of this information, I would have declined. I only missed 7 or 8 payments which wouldn't even add up to {$16000.00}. Here 's the worst part. They finally provided a document on a subordinate note with my signature and two notaries. I NEVER had any documents from US Bank notarized. I tried communicating with HUD which is almost impossible. I'm very disturbed that a financial government institution would hand over a large sum of money on a customers behalf but never reach out to the customer. I never even heard of HUD giving money to help customers stay in their homes nor did I sign a document authorizing them to pay US Bank money on my behalf. I inquired about the notarized document and a US Bank representative admitted it was their notary that notarized the document. Yes, I signed the loan modification document but I never signed the subordinate piece with HUD information on it. I told them that their relationship with HUD is a predatory one. When someone goes into default the banks get their money from the government and the government ( HUD ) becomes first in line by placing liens properties and the so called property owner isn't involved in the process. This is bank fraud at it's worst. I also have communication from them displaying that my account was an account that was marked to be handled manually and they made an error when sending my payoff statement which didn't have HUD information. Now that all of this has surfaced take a wild guess at who sent me letters about my mortgage. Yes, HUD!!!!! I never dealt with them before but now they think the loan is being sold so they got their hand out. Attached you will find a letter that was sent to myself and my attorney and I highlighted them admitting to their errors. They wrote that I signed the subordinate note and it was witnessed by a notary. I never signed anything in front of a notary and isn't that the purpose of having something notarized. | ||||||
| 04/13/2015 | Yes |
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| I am writing to forcefully complain about the service I have received and the unprofessional manner in which I have been treated in regards to a US Bank H.A.R.P process/application. I initially applied for help using the HARP program back in XXXX of 2014. At that time I filled out the application and over the course of the next couple of weeks or so I supplied all the necessary bank account statements, receipts and tax forms they requested. The only communication I would receive was intermittent emails from a customer service rep. When I would try and call I would only get her voice mail. Then I would get emails saying they needed more paperwork, much of the same paperwork I had already supplied. Then when I would resend it, I would n't here anything for weeks then would receive another email saying I needed to send in more documents because the XXXX I sent were n't exactly right or they needed something else. Then because of this drawn out and inefficient communication system they would say I need to resend outdated materials. Outdated because they had taken so long to review my case! I finally started to get call backs from the customer service rep who would tell me the person servicing the account needed more or different paperwork. I even had to reapply for the program because of this awful system in place and my inability to speak to the actual person processing my claim and reviewing my case. They keep asking me to send more updated bank statements, or they will ask me to fix something I sent back in XXXX. I finally demanded, via email, to speak to the person who is dealing with the paperwork so I could XXXX and for all end this nightmare and hold someone accountable and determine exactly what paperwork is needed and exactly how does it need to be filled out, I was told that I am not allowed to speak to them. This nonsense of sending, waiting weeks, then resending has been going on for almost 5-6 months. The straw that broke the camels back is when they made me resend/reapply the initial program application because it is now considered outdated. I sent an US Bank internal complaint form and again requested a direct line to whomever is responsible for processing all the paperwork, so that I could talk directly to them and make sure they have everything I have sent in and can explain to me in XXXX sitting specifically what needs to be written on the forms ( Signatures, dates etc. ) and what paperwork they have and specifically what paperwork is still needed. I believe this is the most unprofessional and willful display of neglect and terrible customer service I have ever had the misfortune of experiencing in my adult life. I demanded that someone who is in charge call me and follow my case to fruition. I recently received a phone call this past Friday from my customer service rep telling me that they had received the email complaining to them and that my application is going to be expedited and I would receive a phone call by the end of last Friday to finalize my application. It is now Monday night on the XXXX of XXXX and I have n't heard another word from anyone with US Bank.I have nowhere else to turn. Please help me get this solved. Sincerely, XXXX XXXX XXXX. | ||||||
| 08/16/2016 | Yes |
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| XX/XX/XXXX i called US bank to see if i could refinance my mortgage to a 15 year fixed rate. I spoke to XXXX and asked if there would be any issue since in XX/XX/XXXX i did get assistance from " keep your home California. '' after i was laid off. He clearly said NO. He ran my credit. Once he took all my information he said i qualified for a 15 year fixed rate at 3.25 % i was very excited because my mortgage would only increase XXXX dollars a month. He gave me all the information needed to begin the process. I also payed {$390.00} to begin the process. 3 weeks later XXXX XXXX in processing dept contacts me and said there is an issue with the assistance program they would need a subordination letter. She said i would need to obtain the promissory note as well. I contacted KYHC and once received i emailed it to her. She kept constantly contacting me asking for additional information. She also stated there was a lean under my name. I had no idea what she was talking about. I leave work to go to the XXXX county assessors office and pay for copy 's for the XXXX leans she asked for. I was confused. None of the information matched with my SSN or Home addresses. It only had my first and maiden last name. I was very upset because i did not understand how they would link that information with mine. when nothing matched. I waited again for almost a month when XXXX calls again asking for more information. She wanted a bank statement showing when i refinanced my auto loan and my spouses working truck. She even wanted info on the value of my spouses working truck. I gathered all of the info. She said that still does n't work. Here i go for about two weeks back and forth leaving work. Going to the bank trying to get exactly what she asked for. I asked her if there was going to be an issue refinancing because I 'm loosing too much money and time. For instance leaving work, paying for copy 's for leans that were not even mine. She clearly said NO. She said they will just need to run my credit again because closing was taking to long. So they run my credit again. Finally another month passes. She calls me and says we are unable to continue with the process because my employer and previous employer did not contact them to verify employment for me. I asked if she needed me to contact them. She said no there was nothing they can do at this time. I was so upset asked to speak to her supervisor said i can leave a message and she would contact me tmrw. I informed her i would complain to the CFPB in regards to this because of her miscommunication and misleading information i almost loose my job, I had to get my credit ran twice, and i even lost money throughout this whole process. This whole process took almost 5 months. I was written up at work because of the times i had to leave and get her the information she needed. Once i got off the phone with XXXX her supervisor called me. Very rude. She Said maybe i should n't have refinanced my vehicle and this would n't have happened. This has been the worst experience ever. I feel so humiliated. I lost so much time and money going through this process. I Feel i could have lost my job because of them. I feel i was scammed by them to certain point. | ||||||
| 08/23/2021 | Yes |
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| I'm supposed to close on a house on XX/XX/2021. On XX/XX/XXXX just after XXXX XXXX, I received a call from XXXX XXXX, a Mortgage Loan Processor, asking me if XXXX XXXX, my Mortgage Telesales Rep - NMLS XXXX, had been in contact with me recently to discuss some numbers. I said no and that I hadn't heard from him since XX/XX/XXXX. She then proceeded to tell me that there was a mess up with the loan because the appraisal revealed the home was manufactured. She said she herself didn't know until recently, but had been waiting on XXXX to call me and let me know. Due to the mess up, the LTV ratio could not be 100 % like I was requesting ( Of the XXXX home, they were giving me about XXXX with around XXXX for a downpayment as long as I was able to put down XXXX. Of the XXXX, XXXX credit from the seller for closing cost and XXXX was for home insurance for the first year ). In addition to the XXXX cash, I now had to come up with an additional XXXX. She also said that she knew I had to turn in my 30 day notice to my current landlord and had told XXXX to take care of things beforehand so that. ( I have to be out by XX/XX/XXXX. ) She said she was going to bring this to her and his supervisors to figure out what could be done. The following day, I got an email from XXXX explaining that he didn't know that it was a manufactured home, that he was submitting the loan for an one-time exception for the full amount, and would possibly give up his commission to help me pay for things. At that I found an email I sent to him on XX/XX/2021 at XXXX XXXX stating that it was a modular home and if there was any other information he needed. He said he would have to check with his manager to see if we offer that loan, which they did. ( I still have these emails ). No other inquires were made on the type of property and I didn't know the difference between a modular home and a manufactured home. However, from the inspection ( which came out before the appraisal ), you could see the supports under the crawl space. Also, if the listing has the home as an one-story, manufactured home. I immediately sent this information to XXXX as I felt like she was the only one I could trust to help me. On that Friday, she contacted me letting me know that exception was denied. I asked for XXXX XXXX supervisor 's number, XXXX XXXX, and attempted to call him. I had to leave a voicemail. He did get back with me on Monday, let me know that the exception had been denied. XXXX then admitted that it was XXXX 's fault it wasn't caught and had a few opportunities to fix it, from googling the address, the listing page, and even the inspection. However, there was nothing else they could do. XXXX also said that XXXX should have never offered his commission to help as an employee could not help out with a loan. At XXXX XXXX today ( XX/XX/XXXX ), I received an email from XXXX letting me know that I need a structural engineering report, 4 days before I'm supposed to close. He also stated " My manager XXXX XXXX will do his best to get you a lender credit to compensate you back. '' Luckily I was able to find someone who is willing to do it this Thursday, XX/XX/XXXX who stated they would be able to give the report same day. | ||||||
| 08/04/2017 | Yes |
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Web | Older American, Servicemember |
| Although the following is connected to CFPB case number XXXX, it is in fact an entirely new issue. Although I am including background information in order to present a clear and complete picture, please note paragraphs 4 ( especially sub-paragraph 4.D ) and 5 ( especially sub-paragraphs 5.B and C ). 1. As stated in my feedback, the original complaint ( XXXX ) was that U. S. Bank refused to properly address a dispute against two charges of {$32.00} made on XXXX XXXX and XXXX XXXX, 2017. 2. The process that credit card companies normally use is to ( 1 ) notify the vendor of the specifics of the complaint in a timely manner ( within 60 days of the charge date ), ( 2 ) receive any response from the vendor within the proper time frame, ( 3 ) request any additional information and/or documentation from the complainant necessary to make a determination, ( 4 ) make a determination as to whether or not the bank considered the dispute to be valid, ( 5 ) uphold or deny the dispute and notify the complainant ( presumably also the vendor ) of the determination. U.S. Bank did none of that ; they just refused to take the complaint and hoped I would go away. 3. A complaint on that specific issue was made to the CFPB on XXXX XXXX, 2017 ( CFPB case number XXXX ) requesting, in part, for US Bank to properly administer the dispute. 4. U. S. Bank responded in a letter dated XXXX XXXX, 2017 stating, in part, that that " have concluded our investigation and the case ( s ) were found in your favor. The provisional credit we issued to your account is now permanent ... .. '' A. Those statements were arbitrary boiler-plate as well as willful and deliberate misrepresentations of fact. B. They could not have " concluded '' an investigation since they never started one in the first place ; all they did was to respond to an inquiry by the CFPB in a manner that they hoped would absolve them of any accountability and satisfy CFPB. C. They did not, as they falsely state, make a provisional credit permanent because there was no credit issued in the first place. D. Not only was there no billing correction, but U. S. Bank " found in [ my ] favor '' additional billings from the same vendor, XXXX XXXX, that have not been disputed. i. I will not receive the billing statement for another two weeks so can not dispute the bill at this time. It is still possible for the matter to be corrected. 5. The response from U. S. Bank is totally unacceptable and serves as an example of the modern tendency in the banking industry to treat customer concerns in a dismissive, condescending and marginalizing manner. In this specific instance, U. S. Bank continues to operate in an unacceptable manner in this instance by : A. Refusing to give the dispute the serious consideration warranted ; and B. Making a determination respecting an item for which no dispute has been issued. C. In addition, U. S. Bank has now taken a situation that could have been easily and quickly remedied had they acted in accordance with their duty respecting disputes and made it far worse by their outrageous actions. As a result I may now be in jeopardy of being disconnected from my cell phone service because of the willful negligence of U. S. Bank. | ||||||
| 06/20/2015 | Yes |
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| As stated previously on the last complaint filed on XXXX I agreed to a make monthly payments on the XXXX of each month for {$1200.00} in overdrafts fees accumulated on my XXXX different US BANK Checking Accounts ending XXXX and XXXX. Instead of US BANK allowing me to make the monthly payments, US BANK began debiting each checking account for {$100.00} without my permission. When the agreement was set up over the phone I was told to make the monthly payment so I had no knowledge that payments would be debited from my account. On XXXX I transferred {$220.00} from saving account to checking account ending in XXXX. My checking account balance was approximately about {$220.00} There were no pending debits or outstanding balances from US BANK or anyone. So I went on line to pay my past due electric bill {$94.00}. of course I need lights on. so after I paid my electric bill online using my US debit card so payment can be immediately taken out, US BANK did a miscellaneous debit for XXXX to my checking account ending in XXXX which overdrew my account then charged me an another overdraft fee for my electric bill payment for XXXX? So in the last 24 - 48 hrs my checking accounts have been debited for XXXX in new overdraft fees. These overdraft fees do not include the monthly payments of XXXX US BANK is debiting out of both of my accounts monthly without my permission. I feel like I 'm being robbed. As of XXXX I have XXXX overdrawn checking accounts because of US BANK. On XXXX I transferred from checking account ending in XXXX, XXXX and XXXX to check account ending in XXXX I paid XXXX for my phone bill and {$30.00} for my trash collection from account ending in XXXX. There was nothing pending and no outstanding balances. My balances were positive. On XXXX, US BANK not only debited XXXX from each checking account ending in XXXX and XXXX, on top of that I was charged a new XXXX overdraft fee and both payments for {$17.00} and {$30.00} were returned. I made these payments prior to US BANK miscellaneous debits to my checking accounts. Really I had already paid these bills before US BANK did both miscellaneous debits for XXXX to each checking account. US BANK returned my bill payments back unpaid and US BANK pay themselves and charged me more overdraft fees. So now both companies are going to charge me overdraft fees because US BANK returned payments although they were already paid in full. I already paid those XXXX bills with a debit card and the money was there and I had no outstanding balances. This is so unfair to me and this has to STOP TODAY. I have never filed a complaint against any company because I try to give them an opportunity to redeem themselves and make things right. I first called and tried to talk to managers at the XXXX XXXX Ohio branch. Also I called the department I set up the payments with and XXXX kept sending back to the other XXXX between the branch and that department. On XXXX the XXXX XXXX manager refused to refund overdraft fees even though US BANK cause checking accounts to be overdrawn. This is not the first time it was done in the past not that long ago. Now it is time to put a stop to this behavior because seems like things are out of control now. | ||||||
| 05/21/2015 | Yes |
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| I purchased multiple Visa Gift Cards in XX/XX/XXXX, supplied by U.S. Bank in {$500.00} denominations. I experienced problems with XXXX out of XXXX cards I purchased. XXXX of which experienced fraud within 3 days of purchase, and am currently working with the bank to resolve this. XXXX were immediately locked up when I attempted to use them. When I inquired, the CSR informed me the card number was flagged for fraud in XX/XX/XXXX, 8 months prior to the purchase date. For the XXXX cards experiencing fraud, I submitted disputes in XX/XX/XXXX. I followed-up after a month, and they informed me I did not respond to the affidavit. It was never received. I asked for them to mail another. Around mid XXXX, I received an affidavit, but received it within 2-3 days of the response deadline. I called and asked if that would be a problem, and I was informed no. A month later, I called to ask for a status. I was informed once again the affidavit was not sent back and the case has closed. I called and asked for another, and clarified there are XXXX cards, and whether I should be receiving XXXX affidavits. I was informed one will be fine since all were faxed together. I followed-up in XXXX and was told it is being processed. I received a replacement card in the mail as well. I called to check the status and was told everything is being handled, and the funds would go back to the card when the disputes cleared. I just called back XXXX XXXX, about a month later, and was informed XXXX of the cases has been closed because an affidavit was not received. Turns out the card I received is also for XXXX of the closed cases. only XXXX case is pending and I was informed it would be another month before I would have an update ; XXXX XXXX. With their track record, I doubt this will be true. As for the XXXX closed cases, I was told they can not process charge-backs anymore due to the amount of time that passed. They requested I send in a Letter of Consideration via fax, with the same paper-work I faxed over back in XXXX. This is where I finally decided to submit this complaint. The amount of fraud experienced is ridiculous already, but the customer service and flaming hoops they are making me jump through is even worse. In no way was this my fault. As for the XXXX cards which were flagged for fraud 8 months prior to the time I purchased them, XXXX has been resolved and the second is quite a hassle. The XXXX took almost 2 months and everything resolved to my satisfaction. However, I submitted both requests same day, XXXX separate faxes. I received XXXX replacement but not the XXXX. When I called to inquire why after waiting another 2 weeks, I was informed they have no record of the XXXX card. I now have to resubmit for the XXXX card. Which ever company owns the customer service line for mygiftcardsite.com is horrible, and U.S. Bank has some serious fraud problems. I actually XXXX searched this issue and their are countless stories. There should be compensation to all purchasers of these gift cards, and if no compensation, U.S. Bank should be severely fined for this. this is insane negligence and poor security. I fear for those who use their Checking/Saving, and credit services. | ||||||
| 05/15/2018 | Yes |
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| Short Summary : US Bank agent promised us home mortgage rates but backed out very late in the loan application process leaving us stranded and causing us financial loss because we had to find a new bank at the last minute. Details : We contacted US Bank loan agent ( XXXX XXXX ) on XX/XX/XXXX XXXX PT to get a quote on Home Loan Mortgage. Basically I was looking to get the best home loan mortgage rates from major banks. Over the phone and over text messages, XXXX informed me of following details / quote : With 15 % down payment ( 85 % LTV ) on property price of XXXX dollars - Interest Rate : 3.625 % Loan Product : 10/1 ARM Bank Fees : {$1700.00} Origination Fees : {$0.00} Additional {$1000.00} if we opened Platinum Checking account with US Bank . She also gave me quote / option for following : Interest Rate : 3.5 % Loan Product : 3.5 % Bank Fees : {$1700.00} Origination Fees : {$0.00} Additional {$1000.00} if we opened Platinum Checking account with US Bank. On XX/XX/XXXX afternoon, we locked the rates for 10/1 ARM product until XX/XX/XXXX. She also mentioned that this kind of rates and loan amount need manager approval and she had received a verbal approval from her management. I have attached a copy of all my text conversations and email confirmation from XXXX about the rates. After that I went ahead with US bank since they were the most competitive rates I was getting. We started full loan approval with US bank. We had to close the escrow on XX/XX/XXXX Friday so we moved really fast with the loan application. We also started a US Bank Platinum Checking Account to get {$1000.00} discount mentioned by XXXX. On XX/XX/XXXX, XXXX informs me that the original terms of the loan can not be respected and that she made a mistake in giving me the rates in the original quote. Now in order to close my home loan application, I would have to take two loans including one that would be conventional loan ( {>= $1,000,000} ) and other would be HELOC ( {$62000.00} ). The second loan would be for 3.99 % and first would be same rate as above ( 3.625 % ). I declined her new offer since, I would end up paying more interest for the second loan and now I have to tap into HELOC for no apparent reason at all. After that she promised me that her manager ( XXXX XXXX ) would call me and discuss my case further but I did not receive any call from either her or from her manager until XX/XX/XXXX ( 1 day before close of escrow ). He acknowledged that XXXX had made a mistake but US Bank can not change their internal policy because of this mistake by their agent. He also promised he will get back to me with the best US Bank could do in terms of a single loan and match the original rates as closely as possible. However he never called back. Now I was left with no other option but to rush last minute to find another bank that would still give me a loan with whatever rates I could get. I never got any bank that matched the US Bank rates and therefore ended paying more interest because I was mislead by US Bank agent and her manager. We suffered financial loss because of mistake by US Bank agent ( XXXX ) and we need to get appropriately compensated for the same. Please help. | ||||||
| 07/28/2018 | Yes |
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| Attention XXXX XXXX XXXX XXXX, Based on your letter ( attached ), stating that you are the trustee for the Trust that owns the mortgage and note on my property. I have taken the initiative to request answers under a microscope. I have discovered ( referencing my property XXXX XXXX XXXX, XXXX, PA XXXX ) that there was not ever a loan because the money advanced by investors was subject to a set of documents supporting a bond in which I was not the payor and where I never signed. I was subjected to a set of documents that failed to disclose the real party or the real terms of the entire transaction aka- a black letter requirement of the truth in lending laws. The real purpose of this transaction was an investment scheme wherein the intermediaries took everything-the money & properties. Without my consent, I was converted from a borrower to a securities issuer and your investors were converted from being a part owner in a valid REMIC pool to being the alleged buyer of the security issued by my signature. The right of recession and damages arouse not only from TILA but from the SEC rules and regulations. Moreover, while researching I just realized that I actually entered into an undisclosed investment contract, NOT a loan. Youre ( XXXX XXXX XXXX XXXX and all banks affiliated ) securitization was and is an investment contract. I pray that the Pennsylvania Office of Attorney General request you ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX ) to produce a real copy of the XXXX form which was filed with the IRS, and the XXXX including the XXXX. These documents will prove that I am the creator. The profits made from the investment mortgage note, belongs to me. The Lender only lent their name to the mortgage loan transaction. The lender NEVER lent me the funds. It was an undisclosed third party who in fact provided the funds for me. Simply, I was tricked into thinking I was the borrower of a loan, when in fact I was a seller of a mortgage note into an investment Trust. The Investment trust never had a right to the mortgage Note. Please Note My Request For Detailed Information : I am requesting from Mr. XXXX XXXX |Mr. XXXX XXXX XXXX both with XXXX XXXX XXXX XXXX & Ms. XXXX XXXX with XXXX XXXX XXXX, XXXX to forward copies ( via CFPB portal ) of the originators Power of Attorney and the chain of ALL mortgage assignments recorded and for the sake of XXXX XXXX with XXXX XXXX XXXX , XXXX. unrecorded assignments. Secondly, I am requesting copies of the Power of Attorney on file representing ALL mortgage assignments from the original originator. Thirdly, I am requesting information of who originated my mortgage? Fourth, please help me understand based on your letter attached, why isnt XXXX XXXX XXXX, XXXX affiliated with US Bank in any way but authorized to make decisions and take actions of foreclosure? In conclusion, please supply a properly dated trail of assignments to show that the originators legal right to collect and foreclose on my property has been passed from one organization to the next, to the current mortgage servicer who you stated in the attachment is XXXX XXXX XXXX, XXXX.? I look forward to your response ( via CFPB portal ) as soon as possible. | ||||||
| 06/13/2023 | Yes |
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| On XX/XX/23, I signed an engagement agreement ( EA ) with an attorney to represent me in concluding all matters related to a case and paid {$3000.00} retainer using my Fidelity Elan Visa Card. Just about a couple weeks later, attorney decided he could not effectively continue representation on all matters, as indicated in the agreement. I needed to hire a new attorney who required a {$2000.00} retainer. I requested a refund of that amount ( {$2000.00} ) from the prior attorney, seeing that I'm having to pay someone else for work he signed up to do. He refused to issue the refund after several email and phone requests. So, I filed a dispute with Elan Financial Services. On XX/XX/23, Elan issued a provisional credit to my account and on XX/XX/23, I found out when I logged on to my account that the credit had been reversed. When I called and inquired why, I was informed that it's because the customer service representative had entered the wrong information for the dispute and that more information was needed from me. I provided the requested information and on XX/XX/23, the provisional credit was reapplied while Elan continued their investigation. Shortly, there after, I got a letter in the mail from Elan requesting more information from me, including the contract, a letter explaining what happened and documentation of my communication with the attorney. I provided all requested information by fax on XX/XX/23 and called to confirm it was received. Today, on XX/XX/23, I logged on to my account and found that the provisional credit had been reversed again with reference XXXX XXXXXXXX. I called in to inquire and was told that the case reviewer XXXX indicated in the account that there was a contract and that she will call me back. I have awaited the call and she hasn't called me back. Elan 's decision that I should be liable for paying the full {$3000.00} amount simply because I have a contract is inappropriate. Every time a consumer purchases goods and services from retailers, there is a requirement that those services should be provided as described. In the event that the consumers do not get those goods and services as described, and if those goods and services were paid for using their credit card, they have the right to an accurate assessment of the circumstances and to provide a timely resolution. Elan has evidence from me that shows a deviation of the attorney from the representation he was to provide me. It is clear from the evidence that he did not. Elan also has evidence that I had to pay another attorney a {$2000.00} subsequently, and I made this payment using my Elan Visa card as well, so it is no hidden information. So then, am I supposed to pay for the same service twice, to two individuals, because the one individual who signed up to do the work decided not to complete it? What has happened here has been several missteps because someone didn't take their time to review the breadth of information provided to make an accurate decision. This is the second time this provisional credit would be reversed. I'm filing this complaint with Fidelity because my account is established under Fidelity as a Fidelity Visa card that is managed by Elan. | ||||||
| 08/02/2017 | Yes |
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| XX/XX/XXXX I received my credit report from XXXX . Someone is using my personal information to abuse my credit. There is a address in Michigan that is being used. I have never lived there, nor have I visited there. The spelling of my name is being used as XXXX XXXX XXXX . I 've reported my drivers license stolen with my name being spelled that way. My social security card have been stolen. I 've notified The Social Security Department. I 've done a name change with Probate court, in the presence of a Judge. My name on the credit report is also spelled XXXX XXXX XXXX On XX/XX/XXXX , I received your packet including the XXXX -mortgage interest statements I requested. I notice you paid for my home owners insurance. May I ask who the insurance was with. It is not on the credit report. May I get that information please. I am completely in the dark. You also paid taxes on the property at XXXX XXXX XXXX XXXX TN XXXX . All of these fraudulent acts began in XXXX , when I received the settlement from the medical malpractice law sue I filed in XXXX . And while I was under wage earner- case number XXXX XXXX . Honorable XXXX XXXX was the Judge over the case. I was discharged in XXXX . I have my discharge papers from XXXX and XXXX , if you need them. I 've mailed the identity theft packet to you. This should enable you to access my information. The parcel property tax number is XXXX , I need that information. As I 've stated I never received this information. I do n't know how payments was being made to you. XXXX XXXX XXXX was excepting payments from me. Because I paid their bankruptcy department outside of the courts. The payments was being made to XXXX XXXX . Unless they were interven, since my mail was being stolen. As I mentioned, there are checks with five digits as though a business was making payments to. US Bank Mortgage, using my social security number. And the account number, since the person/persons have that information. I did n't know XXXX XXXX XXXX sent my account to your bank for servicing. When I learned I was a victim of identity theft. So much had taken place, until I tried to figure out where to began. I am now homeless, I do n't have an income. I am using a free government phone to get these messages to you. I ca n't afford to purchase postage. My grandchild is helping me. My only income is {$190.00} in food stamps. I 'm barely surviving on those a month. I was employed with XXXX XXXX XXXX XXXX for twenty-two years. I began working at the age of seventeen. I am now XXXX years of age, and I have nothing to show for my existence. I 'm deprived of health care insurance. I have nothing. This is the reason I press on. I feel as though there is a blessing in disguise for me. I keep looking to the hill from whence cometh my help. And it comes from the Lord. I am trying to remain encouraged. Beginning in XXXX - XXXX you will have to tell me how you received your payments. Since my account with XXXX XXXX XXXX was being abused and checks were stolen from my home. Payments was being made from my account. I included the police report number with the identity theft packet. | ||||||
| 02/25/2022 | Yes |
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| This is additional information about CFPB Complaint XXXX : XXXX XXXX, XXXX, XXXX I wrote to US Bank, via their online email tool : " I just spoke with XXXX XXXX, who was trying to explain something that was difficult because we take things for granted as correct when they occur on behalf of our employers. There was a credit of {$2000.00}, taken from the account on XX/XX/XXXX, that would have been associated with a balance of {$2000.00} that would have been accruing interest. So that means it was not here before XX/XX/XXXX, because there were several missed months of payments due to deferment. That {$2000.00} does not remain as a credit to pay off the minimum amount due, the {$2000.00} just " disappears '' - because the " total amount due '' on the XXXX XXXX statement goes up by {$230.00} roughly ( the exact finance charge ), the balance stays the exact same ( {$83000.00} ), and the credit from XXXX also disappears ( that would have been a negative balance carrying over into the next month, but it happened on probably the day the transactions closed ). '' When the money is " credited and debited '' it means it was MOVED, not credited and debited, but then disappears the following month, when the credit would have remained or been added to complete the minimum amount due. Today, I had another conversation with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Re XXXX Ineffective customer service from " XXXX '' - call from ( XXXX ) XXXX to Bank Support at XXXX - XXXX PT Hello : I just explained to XXXX at the ( XXXX ) XXXX number that there was a credit ( positive to me ) from my XXXX HELOC statement ( the loan, not my mortgage ) that disappeared and that it needed to be used to pay my past due amount ( acct ending in XXXX ). After saying she had consulted with her manager while I was on hold, through some challenging background noise, she transferred me to a number that, for obvious reasons ( she was trying to dump the call ) was not able to be heard clearly. She also mischaracterized the account as " delinquent '' after saying it was not in default at the beginning of the call, but delinquent, during the conversation in which she was told a letter I received on XXXX XXXX said it was in default. I explained that the account 's first payment after leaving deferral was due on XXXX XXXX ( based on the XXXX XXXX letter describing the end of the deferment period ) and that the account is only at 24 days past the due date. The fact she would not credit the account the {$2000.00} is disturbing, especially if she is actually authorized to make this change. Please correct the balance on the account, while we work to resolve the CFPB complaint I have had to file about this issue, in order to create a better foundation for partnership in the future. Best regards, XXXX XXXX XXXX Finally, The suggestion a banker ( Mr. XXXX ) made that the balance of XXXX was there before is not supported by the statement, or by the amount of interest that would have accrued under the deferral period ( it reads {$2000.00}, as opposed to the transaction that would have happened in XXXX, as Mr. XXXX claimed ). | ||||||
| 04/17/2017 | Yes |
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| I made an ATM deposit of {$4200.00} the XX/XX/XXXX . It consisted of a check and cash deposit. I forgot to endorse the check. I tried to use my card the next day and it was denied. I called US BAnk who informed me there was a fraud block on my account. I went into a branch on t he XX/XX/XXXX to find out what was going on. I was told there was a concern over the size of the deposit. So there was a hold on the check but the cash should be clear after XXXX XXXX and the check on XX/XX/XXXX . Cash is meant to clear the next day with ATM deposits. On Monday when my account was still not right I called and was put through again to the fraud department who told me I needed to speak to my branch. I was informed that there was a freeze on my card and that the check would not be available until the XX/XX/XXXX . I went into my branch of the XX/XX/XXXX and spoke to the bra nch manager XXXX XXXX who informed me she would have to get some more information and get back to me later that day. I did not hear anything from her so I called the call center again to see if I could get more information. They advised me to contact the Area Manager XXXX XXXX . Before I could contact him XXXX called and informed me that there was a fraud hold on my account and my card would remain frozen because of prior returned Checks on the account. I asked her to clarify and she said i had a issue in XX/XX/XXXX of cancelled check/fraudulent check. I told her that was not true and I have never had any issue with my account and that she is making things up. She informed me of a deposit I made that had a fraud warning with a check. I told her she had inaccurate information and she needs to find out the truth. ( BACKSTORY ) In XX/XX/XXXX I made a cash deposit not check into an ATM. The ATM was not working correctly and was making a funny noise. I could also see into the ATM a little. THe ATM took my deposit but did not give me a receipt. I called US BA NK straight away and informed them there was an issue with their ATM and I had made a deposit without getting a receipt. They thanked me and said they would send out an engineer to fix it. The next day I tried to use my card and it was refused, I called US B ank and they said there was a fraud warning because of this issue with the ATM. They apologised and said they removed it all from my account and It was free to use. ) I then proceeded to call XXXX XXXX to see if he could help in any way. He reiterated what XXXX had said. He told me that he has called about the check and it will be returned to me as unpaid. He also said the issuing bank confirmed it will be returned not paid ( Check was cleared funds on X/XX/2017 ). H e said he could not see clearly the transaction until he pulled my account info which would be on the XX/XX/XXXX or XX/XX/XXXX . I ha d not received a call by the XX/XX/XXXX so I called again in the XXXX and left a message. I did not get a call back. THe XX/XX/XXXX I called and left a message and have not received a call back. US Bank has fraud markers all over my account which is effecting me using my money because of incorrect and faulty internal measures. | ||||||
| 09/12/2015 | Yes |
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Web | Servicemember |
| I sent the following to US Bank Cardmember Services. They since have not validated the debt they claim I owe. They also have since placed my first ever late payment mark on my credit report. To Whom It May Concern, I am sending this letter to you in response to a notice I received from you on XXXX XXXX. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX XXXX, said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX | ||||||
| 02/23/2016 | Yes |
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| XXXX XXXX, XXXX U.S. Bank National Association XXXX XXXX XXXX XXXX, OH XXXX Attention : Escalation Center Re : XXXX XXXX XXXX XXXX, XXXX, TN XXXX # FHA # XXXX Dear U.S. Bank : This is a letter of formal complaint regarding the foreclosure proceedings as indicated in a letter sent on XXXX XXXX, XXXX from U.S. Bank. This development, and the manner in which it has been handled, is not appropriate and violates my rights. My first indication of being referred to foreclosure came in a letter dated XXXX XXXX, XXXX. After months of communicating with U.S. Bank 's Relationship Manager, XXXX XXXX and others, my file was in the " Short Sale '' process. Based upon XXXX XXXX 's information on XXXX XXXX, XXXX, she stated that the processor said due to the new Tennessee XXXX guidelines that changed today XXXX/XXXX/XXXX, there is no denial. Since, XXXX, XXXX, I have attempted to sale the property numerous times unsuccessfully to finally FIND A BUYER WHO WAS READY, WILLING AND ABLE to purchase the property as a " short sale '' in XXXX, XXXX. In the short sale process, I was asked to submit various documentation. I submitted the information to U.S. Bank, and indicated that I was the sole person on the loan. Therefore, my husband information will not be included, per his request. Afterwhich, the bank continued to state that I was missing documents, etc. even though I had submitted the information as requested. As of XXXX XXXX, XXXX, XXXX XXXX indicated that all the documentation was submitted, she had talked with the processor numerous times, and that she would be out of the office until XXXX XXXX, XXXX. However on XXXX XXXX, XXXX another U.S. Bank employee by the name XXXX XXXX contacted me. He exhibited unprofessional behavior in the entire call, and indicated the following : As of XXXX XXXX of this year, we are requesting a signed XXXX unaltered tax return with all pages ( the one we have received the social security number is altered and not acceptable ), since there is not schedule C also provide the XXXX tax returns with schedule C if that is the case for that year. The next day, I received a letter from U.S. Bank stating that " it is necessary to initiate foreclosure action. The account has been referred to our attorney to begin legal proceedings immediately. '' Afterwhich, I received a letter from a lawyer stating they had received instructions from U.S. Bank to foreclose the mortgage on XXXX, XXXX, TN XXXX. For U.S. Bank to foreclose on my property when I had 1 ) found a willing and able buyer 2 ) cooperated with them through the years and especially since XXXX, XXXX until now 3 ) U.S. Bank indicated that the Tennessee Housing guidelines changed, there is no denial 4 ) not received an answered from them either verbally or written, about the information I submitted directly from the Internal Revenue Service 5 ) U.S. Bank kept asking for more information and the information given was inaccurate 6 ) sent me a letter without my knowledge and assumation that we were in the " short sale '' process directly reflects upon the comprising principles of U.S. Bank National Bank and the lack of value towards customer relationships. Sincerely, XXXX XXXX XXXX ( XXXX ) | ||||||
| 08/02/2016 | Yes |
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Web | Servicemember |
| I applied for a loan with USBank, for an investment property, a REO home, owned by another national bank. I already have a mortgage with USBank on my current home so I thought they would be easy to work with and they 'd sent mailers hinting at deals for current customers on additional mortgage opportunities. I had previously attempted to get a mortgage with another lender, who, within a few short days of application, informed me that they could not loan because there was no AC unit in the property ( the property was a foreclosure that was stripped of most appliances ). I told the USBank loan personnel this matter, and expressed concern that I wanted to be sure I could get a loan on the property. My other option would have been to refi my current USBank mortgage to take out equity and buy with cash, but their rates seemed good and the loan officer told me she checked and underwriting had no problem with the AC being missing but approval would depend if safety issues were listed in appraisal report. I went ahead with the process. An appraisal report was provided to me dated XX/XX/XXXX, yet it was not until XX/XX/XXXX that I was told USBank would not be able to underwrite the mortggage unless and until repairs were made as per the appraisal report. However, the appraisal report mentioned items as " marketability '' not safety concerns. They wanted flooring repaired, an AC unit installed, and a door put on the attic opening. We are trying to get a conventional loan, for {$48000.00}. This is a XXXX % down situation, and conventional. I did n't think so many stipulations would be needed. The appraisal report was for {$72000.00}, with estimated repairs at {$5000.00}. I told USBank we intend to make even more extensive repairs after closing. Our contract and addendums stated this property is AS IS. There are no repairs allowable prior to closing. I have been told that I may consider making repairs on my own cost prior to closing to meet the loan requirements. However, this is terrible advice, as if anything goes wrong, I 'd be out a significant amount of money. Additionally, this is not allowed in the contract by the seller, as USBank knows. I was told that USBank is stuck with whatever the appraiser is requesting. However, one option on the appraisal report is for AS IS. The appraiser did not appraise this way, even though he had the contract which shows it 's a REO property and AS IS. I attempted contact of appraiser and was unable to reach by phone or email provided on the report. I would like USBank to provide the loan on the property. Their risk is low, as they already have a good payment history from almost 5 years of payments on my current home ; additionally we are asking for just over XXXX % of the appraised value ( after repairs taken into account ) for this loan ; thus they will have a significant amount of wiggle room should we default immediately after closing. I feel they are doing a bait and switch effort here to try and get me to refinance my current, high mortgage with them and pay even more fees than this small new mortgage would run. If they are unable to provide this loan immediately I will have to seek another lender to handle this. | ||||||
| 11/17/2015 | Yes |
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| This complaint will look like a duplicate but it is not because it addresses XXXX issues both unresolved : First U.S. Bank reported to XXXX sometime XX/XX/XXXX that I had an account closed for " Suspected Fraud '' I never before XX/XX/XXXX even had an account with XXXX Bank my initial complaint about this was met with an apology and the account being " removed '' by U.S. Bank and an offer to open an account with them. I took the offer and it did NOT work out see issue two. Now that the account I DID open with U.S. Bank has been closed I went to open a new checking account and learned that the fraudulent U.S. Bank report of " suspected fraud '' was never removed and is still on my XXXX and XXXX reports so they lied offered me an account hoping I wouldnt notice luckily for me I found out how bad they are and have now learned about the initial lie. Issue TWO : more lies after lying to get me to open the account with them my card BRAND NEW CARD was compromised and I had to file a claim no big deal I have overdraft and they promise hey your car payment will go through if its attempted since we have a fraud investigation going through and any overdraft fee will be waived. Long long story short my account was closed and I now " owe '' them XXXX ALL OF WHICH is in overdraft fees that they promised would never happen I know they wont acually respond to the complaint with more than a dunned email and a deposit agreement. The verbal contract *recognized by law in arkansas with a witness lucky me i was on speakerphone at my desk and a co-worker overheard it* to waive ALLLLLLL fees related to the fraudulent activity and the promise that my car payment would go through was not kept that being just as valid as the deposit agreement invalidates the dunned response but U.S. Bank doesnt care as long as they get to do what they want they continually walk all over the consumer. I have an idea NO MORE BIG BANKS period all of them should be broken into small regional bank and have a regional headquarters and more oversight than ever before this kind of thing banks love to pull is a huge reason our banking system is broken. You would think just to provide half-way decent customer service they would have fixed the issue solely because my card was compromised within the first month that doesnt promote a positive experience instead not even an apology and more fees than should even be legal and then they get to strong arm us into paying by reporting us to XXXX so they get their money they did NOTHING to earn returning a transaction does not cost money having a negative balance does NOT cost money its basically an excel column on a smart spreadsheet with a negative value that cost nothing. Had I overdrawn myself ( I actually revoked the overdraft protection when I reported my card stolen with the promise my car payment would be okay to go through and pay back after the investigation ) then I would pay the fees all of them. At most I owe XXXX fee I dont feel I should owe any because had the fraud not happened my direct deposit would have been moved to that account and no overdraft would have occured even if just the fees were removed my balance would be poisitive so XXXX? | ||||||
| 03/05/2023 | Yes |
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| In XXXX, we took out at home credit loan from XXXX XXXX XXXX XXXX. At a banking interaction with US Bank, the bank representative sold us on what appeared to be a better home credit deal through US Bank. He convinced us that the US Bank loan was a better deal for us. Weve attached emails from XXXX and XX/XX/XXXX that show details of what we understood the US Bank home loan to entailed. You can see through the emails that the US bank representative misunderstood aspects of the loan and never mentioned the loan had a variable interest rate ; however, we thought the loan did save us money so we decided to switch to the US Bank loan. The representative quickly went through the loan details with us during the signing. Our understanding was that the loan had an initial XXXX % percent interest rate for XXXX months then moving to a fixed rate of XXXX % for the remainder of the loan. We verbally confirmed with US Bank representative during the signing that the loan was fixed rate. In XX/XX/XXXX, we realized our loan payments had increased. We emailed both our US Bank branch XXXX and the representative who sold us the loan. See attached email dated XX/XX/XXXX. Neither of them responded to the email, so we followed up by phone call. The branch XXXX explained over the phone that the loan we signed was varied interest rate, only USBanks profit was fixed, and made no effort to correct the situation. We were shocked and frustrated at the admission of our loan rate being variable based on federal interest rates. We have excellent credit score and would not have agreed to US Banks loan if we had known it was a variable interest rate. Continuing to try to find a more sustainable solution, we called US Bank to explain that we were misled about the interest rates and ask for a solution prior to the next anticipated XXXX XXXX XXXX increase that would take effect on XX/XX/XXXX. We spoke with the USBank representative who sold us the loan on XX/XX/XXXX and he said he had been confused about the loan and that he would also be upset about the huge rate increase that led to a huge increase in our monthly payment. He told us he would make it right and work with the bank underwriter to lock in our loan at a lower rate. We attempted multiple times to follow up with him on his phone and through the bank branch, but we never received a return call. On XX/XX/XXXX, we sent the US Bank representative an email regarding the situation and we copied the loan underwriter as well as the US Bank XXXX XXXX XXXX XXXX. Attached are the emails showing that, even though we were misled on the interest rate, US Bank is not doing anything to correct the situation. We are currently paying an additional {$1100.00} a month on our loan because we were misled about the conditions of the loan and the details of the loan were not adequately explained during the signing. We want US Bank to return our loan to the XXXX % rate and lock in this rate as we were never informed that it was a variable interest rate and clearly the US Bank representative was confused about the details of the loan. Furthermore, we want to be refunded by US Bank for all additional payments above the 3.25 % interest rate. | ||||||
| 12/08/2019 | Yes |
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Web | Servicemember |
| I have had a credit card with US Bank for nearly 12 years now. I have always paid on time. I have had major issues with their online bill pay and call centers in trying to effectuate payments. Due to the difficulties that I have had, my account was becoming delinquent. I made repeated calls to the customer service center only to be on hold for periods up to 45 minutes and be disconnected. I had issues with the online portal and being shut off online and being locked out. I have evidence of all of this. I most recently had issues at the branch where I actually had an appointment with a banker where I was going to deal with my payments and banking needs. The lines at the branch are very long and I have medical issues making matters worse. I showed up for my appointment and the branch manager had to work the teller line due to a shortage in bankers and I was told to come back another day. They also had my ATM card that I was not able to pick up that day so I could not make the payment via the ATM. I have mad repeated attempts to make payments, deal with my accounts, etc, only to have major problems with some of the customer service representatives and managers. I have been talked down to and hung up on repeatedly. I was even told that they were not following their own procedures at one point. Due to the excessive issues, I have had missed and late payments that should not have occurred and they shut my account down.I feel that certain people in the credit card department have been very condescending and vindictive towards me and have tried to create problems for me in dealing with the payments on my account. I feel that there are violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act as well. I have been astonished that their managers can just hang up on people and disconnect them when while they are trying to make payments, etc. Also, I feel that they are fabricating false evidence for their defense by blocking ways to make payments and making it almost impossible to pay at times and not properly documenting their phone calls. I made many calls over XXXX, XXXX, and XXXX only to be told that I had not been keeping in touch with them when I fact, I would call and ask for supervisors and managers only to be hung up on and turned away, etc. I feel that there has also been libel and slander against me by certain employees at the bank and feel that I have been a victim of Defamation of Character on top of the extreme damage to my credit report which they seem to want to do. They seem to have made up their minds that they were going to charge my account off and seemingly deliberately trying to cause me to go delinquent as some type of vendetta for filing complaints etc. There is too much evidence showing everything that I have been through with being blocked from making payments, locked out of accounts, cards being turned off, being hung up and and disconnected repeatedly, etc. There is solid evidence of all of this despite their denials. I am concerned about all of this and am asking to remove the negative trade lines from my accounts. I do not want to deal with this credit card again after how badly they have treated me. | ||||||
| 11/22/2023 | Yes |
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| I am writing to you to seek your assistance in resolving a series of unprofessional and possibly illegal actions involving XXXX XXXX, the Loan Officer, and XXXX XXXX, the Supervising Lender at U.S. Bank in XXXX. I recently went into contract for a house in XXXX and was set to close this winter. However, my appraisal came up {$40000.00} under the purchase price from my original lender, XXXX XXXX. As written into my purchase agreement, the seller rewuired that I qualify through their personal lender, XXXX XXXX, at U.S. Bank. Immediately, XXXX XXXX had another employee ( XXXX XXXX at U.S. Bank ), conduct an unsupervised appraisal to qualify me for the exact purchase price. I grew suspicious when I noticed that the appraisal used a combination of outdated sales, homes in more expensive neighborhoods, and homes with substantially more features than the subject property, which was further confirmed by my agent and a representative of XXXX. When I questioned XXXX XXXX about the appraisal, he became hostile over the phone and grew belligerent, accusing me of putting " demerits '' on his record. I contacted a Mortgage XXXX, XXXX XXXX, to explain my issue and seek his assistance. Initially, XXXX XXXX informed me that appraisals at U.S. Bank should have a reviewer ( which this one didn't appear to have ) and that he would look into it, but that did not happen. Because my issue with the appraisal was never resolved, when the expiration of my finance cotinigency agreement came and I still never heard from XXXX XXXX, I requested my lawyer to contact the seller and cancel my purchase agreement. Within hours of requesting the contract cancellation to the seller, the attorney contacted XXXX XXXX, who provided the attorney with my private account information ( without my permission ). Shortly after, XXXX XXXX called me, screaming that I was getting him in trouble and repeatedly implying that I was unintelligent. He threatened that I had to submit several additional documents ( that they never requested prior ) by the next business morning or that they would tell the seller that I never completed my application. XXXX XXXX also disclosed to the seller 's lawyer that my XXXX taxes were never filed, which the seller 's lawyer used as their sole reason for denying my request to cancel the purchase agreement. This factually incorrect information provided by U.S. Bank and the following malicious acts have now cost me my entire deposit of {$56000.00} plus additional legal fees. What the employees at U.S. Bank did has put me in a financial hole, caused me significant mental and physical distress, and has stripped me of my dreams of owning a home in XXXX, as I didn't have a lot of money saved up. The bottom line is that XXXX XXXX, XXXX XXXX, and XXXX XXXX behaved maliciously and not in my best interest as their customer. This includes falsifying an appraisal, neglecting my application for weeks, becoming hostile over the phone when I questioned the appraisal, sharing my personal banking information with a third party, and finally, lying to the seller about my incomplete application status. I am willing to provide any necessary documentation to support my claims. | ||||||
| 02/05/2018 | Yes |
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| I ordered face cream on XX/XX/XXXX. My XXXX Debit card was charged {$4.00} for XXXX and {$4.00} for XXXX this is what my Statement says ( enclosed ). I didnt order either one of those items. I ordered XXXX Revitalizing Moisturizer. At that time I didnt pay any attention to my statement. I just knew that I got what I had seen on the computer and was happy. UNTIL I realized they had taken {$93.00} for XXXX and {$93.00} for XXXX out of my accout. I called the company that I ordered that face cream from on XX/XX/XXXX I talked to a lady that told me that I should have canceled my order. I didnt know that I had an order to cancel. I had already ordered the face cream and got it. I asked that my money be returned and she said they could not and would not do that. I told her when it showed up I would put Return to Sender on the package, and it would not even come in my house. She told me that I could not do that. I told her I was going to contact my credit card company. I called XXXX ; they explained that I would need to fill out a transaction dispute form. They said it would need to be back to them in 10 days. So I received the form filled it out with my receipt and cancellation email from the company and sent it back to XXXX the same day. I waited to hear from them and heard nothing so on XX/XX/XXXX I called to see if they had received my dispute form. They informed me that they had not. So XXXX sent out another form. I waited to receive the form anxious to get this resolved. I use this card to take my son back and forth to DrXXXX appointments. He is XXXX. I can purchase gas, food, pay bills and whatever else. There is a huge difference between {$9.00} and {$180.00} that they charged me without my knowledge. I called XXXX back on XX/XX/XXXX because I had not received the dispute form, ONCE AGAIN they said they were going to send it AGAIN. XXXX asked for a fax number to fax it. I explained I did not have a fax # they gave me the impression they didn't want to help me. I did tell them that I had planned on writing to the CFPB to see if I could get help. That company did not give me a chance to send their product back to them because to date I have not received anything to send back. So they charged me for something that I didn't order plus didn't send it to me. I did go back to the website that I ordered the moisturizer from to look to see if I missed something and at first I knew that hadnt, all the information was right there. Then for some reason I scrolled down and there it was in small light gray type. When I ordered the face cream everything seemed to be on one page I didnt realize there was anything else left. I didnt know enough to scroll down because everything that was needed was there on the screen. I think that it really misleading of them. If I would of known that I needed to cancel my order or get charged {$180.00} I wouldnt have ordered it in the first place. It wasnt that great. I just seen it and thought I would try it for {$9.00}. I need help PLEASE!!! I use that card for food, gas and extras when I take my son to the Dr. We drive 100 miles one way and his appointments can last from 1 for 5 hrs. Depends on what Dr. he is going to. | ||||||
| 11/11/2020 | Yes |
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| To begin with, you do not have a category that describes my issue. I am a recipient of unemployment benefits and I have Reliacard distributed through U.S. Bank to receive cash disbursements. Last week, the bank abruptly blocked access to my account not allowing me to make purchases, make payments, or take cash withdrawals. I was told the block was based on the fact that fraud is a real problem in the world, and they wanted to make sure my account was legitimate. To prove that there was no shenanigans and that I am who I say I am, they demanded that I send over a " selfie '' of myself and a copy of my government ID so that they can prove it's me. In all honesty, I felt extremely violated. I felt as if I were being electronically XXXX by U.S. Bank. My right to privacy didn't matter to them because I am classified as a customer receiving government assistance. However, because my only source of income was being held XXXX, I reluctantly sent over what they demanded of me so that I could have access to the money they blocked and get my life back. At this point, it has been a week since they have denied me access to my money. I have called the call center daily and I am frequently told to be patient and wait because they will eventually review and update my account. While they have absolutely no regard for my need for money, I have began accumulating late charges on my bills and I am completely without any resources to purchase food or gas for myself. I've had to make payment arrangements with my creditors and the family I live with ( otherwise I have to sleep in my car ) just to stay afloat due to this issue, but when I call, they have absolutely no sense of urgency about my ordeal. One of their call center agents told me earlier this week that I shouldn't feel bad because I am not alone. the agent went on to say that U.S. Bank routinely blocks thousands of unemployment recipients at a time for suspicion of alleged bank fraud and forces them to ID themselves. I was extremely disturbed by this information. Not only does it prove the bank 's contempt for financially disenfranchised people by blocking their only means of income at their most vulnerable time, it also confirms the horrible management U.S. Bank currently has in place. If they routinely block thousands of customers each week from their card access and are consistently short-staffed to where there is an average one hour wait time to speak with a phone agent and it takes a week to be granted access to your own funds that should never have been blocked to begin with, you are subjecting thousands of people to homelessness, starvation, and even more debt due to unnecessary charges, all while they take a week to figure out if the selfie matches the account holder. This is a huge sign of gross mismanagement. Why in the world would they burden a call center and the fraud department with unfounded claims of fraud when they lack the manpower to handle the response? This indicates an extreme level of incompetence. Vulnerable people are being subjected to late charges, missed rent and car note charges, lack of resources for medical emergencies, and abject hunger simply on the whim of U.S. Bank. | ||||||
| 04/29/2015 | Yes |
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| CFPB DISPUTE XXXX XXXX, XXXX XXXX XXXX XXXX with Elan Financal VISA # XXXX REASON : NO resolution after contacting bank on Saturday, XXXX XXXX My ELAN Financial Visa x XXXX experienced this cycle to lower my credit limitbased on a missed debit by Elan 's Autopay, which supposed to have drawn my minimum due ( of {$190.00} ) on XXXX XXXX. I activated XXXX XXXX earlier last month. It had shown " active '' and gave me no indication of any delay in processing this setting either. Yet after I contacted Elan supervisor XXXX, XXXX XXXX to inquire, nothing resolved. I ask my my credit limit to be re-instated. By the way, last month this same Autopay feature had malfunctioned in the opposite direction, in other words, debited XXXX the need for my minimum payment by not recognizing my satisfying such payment weeks before it was due! My minimum, due by XXXX XXXX -- but paid on XXXX XXXX -- I learned this amount was processed again on XXXX XXXX via my Autopay selected. Despite my contacting Elan first, I had to call my XXXX instead to intercept its processing to resolve this. Elan supervisor resisted to help the transaction still in processing, argued lamely that their system technically could n't recognize a payment made which satisfies the minimum due before it IS due. After my pointing out that XXXX Autopay recognizes payments this way, THEN Elan supervisor claimed that IF ELAN Autopay had recognized a payment made, this would hinder a cardholder 's paying more than the minimum, which is absurd. Irony is, that upon my setting up Elan Autopay originally on XXXX XXXX, my inquiry had consisted to ask my rep about the possibility of the system XXXX debiting a minimum amount which is due, after it was satisfied, but without minimum showing anymore as due for that respective cycle. She gave me a false answer, to say that it would not do so. ( I had even asked her again, XXXX! ) When this subject was discussed XXXX, XXXX XXXX Elan supervisor explained a policy of payments not recognized, when they are paid within 3 days of due date ( mine, XXXX XXXX ) but that did not take place here, nor was that part of the question! I did ask for my request to re-instate my credit limit to be notated, # XXXX yet I was also told the " credit department '' would not talk to me, its cardholder without a reference number printed on a postal letter, which could take weeks. He apologized -- BUT UNFORTUNATELY ... .. COMMENTARY Such unfair bank practices should become unlawful. Practices which allow banks to escape accountability to its customers ; to proffer false answers frequently, or set up 'electronic traps '' for us to fall into, should become unlawful. A way to pave a path for a a bank to levy undeserved fees, which may go unnoticed, only to encounter some knowing apology " on cue '' ( yet no refund ) should become unlawful. No customer who pays regular on-time payments should suffer a loss simply because banks have " more buttons than we do "!! A proverbial lesson somewhere in some gym class : " Children, we must teach you today, that in order to become a winner in the game of tennis - - AS IN LIFE - everybody 's gon na need ... A RACQUET!!! XXXX XXXX XXXX | ||||||
| 11/18/2021 | Yes |
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Web | Servicemember |
| Around five months ago, I opened a US Bank checking account at the XXXX branch inside XXXX. The employee who opened the account for me was notified this account was being opened due to me going through a divorce. It was an account for me to start over with after taking my half of the funds we had accrued On XXXX I deposited a check for {$55000.00} at the XXXX branch inside XXXX. I was told a 7 day hold would be put on the check, but I was given a printout showing specific dates where I would have access to specific amounts of moneyone of them being XXXX XXXX. I was told I had access to {$220.00}, of which I took {$200.00}. The next day I had a negative balance, with an over draft fee. I had to go to the bank to get that taken care of. Then the day XXXX was promised access to more of my own money cameXXXX, XXXX XXXX. I had a negative balance and XXXX available funds. Then I realized it was a bank holiday, despite the fact that it was printed and highlighted as a day I was supposed to have additional access by the bank itself. The next day I went back and forth on the phone with various employees after being very upset discovering I still had a negative balance. I was also told the back office had put an extended hold on my checkto the tune of another week. I had not been notified. I eventually spoke to the branch manager of the XXXX location, who I found was the employee who helped me, as she mentioned that. She stated she remembered my situation, and stated holds are often put on new accounts with no activity. Then she stated she and employees at that branch had tried to reach out to me multiple times but were unsuccessful, and had shredded my card. I dont recall getting but one phone call, but I had anticipated my card in the mail. I asked her what that had to do with my current situation, and felt she was trying to imply this was my fault, which she denied. I understood at this point that they would be holding my large deposit as long as possible now. Since Im in the process of switching to direct deposit, I deposited my paycheck in person. I was told a one day hold would be instituted, but that in the meantime Id have access to {$220.00}. Once again, I took out {$200.00}, checked the app afterwards and it showed I have a balance of {$26.00}. The next morning, I have a negative balance, and another overdraft fee. I call the bank, and they waive the overdraft fee, and state they havent received the funds yet, but if there is no stop or hold on the check, I should see my funds by today. I was notified by another banker that the same type of hold was put on this last check, but it didnt say how long it would be. Today I found that, once again, without notice, my second check is being held until the XXXX. Using this bank has brought me copious amounts of anxiety, and I hugely regret trusting them with my finances. Im so nervous due to being given false information that Im trying to put together back-up plans in case I dont receive my funds, and have started searching for legal counsel. This is truly the worst experience Ive ever had with a bank. Using a new account should never affect your mental health or affect your quality of life. | ||||||
| 12/26/2017 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/XXXX I applied for a home equity line of credit with USBank. I visited their website and requested for a loan representative to contact me regarding an application. I was contacted via phone by a representative who took my application. I was then contacted via email by XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX identified himself as my Relationship Banker and would be going through the entire loan process with me. On the same day, XXXX/XXXX/XXXX, I received an email on a secure channel from " US Bank Direct Lending '' asking for information needed to underwrite the loan, XXXX, pay stubs, tax returns, etc. I sent this information on the secure channel, and also asked why I received a similar email from XXXX XXXX. I was concerned that one of the emails was fraudulent and someone may be trying to collect my personal information. I eventually sent this information to XXXX XXXX as well through email on an unsecure channel. On XXXX/XXXX/XXXX XXXX XXXX notified me via email that he had ordered an appraisal of my home which should be completed in about 7 days. On XXXX/XXXX/XXXX he told me via email that the appraisal had been completed and the approved line about of my loan was {$52000.00}. I had originally applied for a line of credit for {$100000.00}. We proceeded with the loan. On XXXX/XXXX/XXXX XXXX XXXX sent me an email asking if we could talk on the phone that night. He called and gave me verbal approval that the loan was approved and he would get someone on scheduling closing. He told me that I needed to open a Platinum Account with USBank, he sent me a link, and I completed the process of opening a new checking account package. I checked in with XXXX XXXX on XXXX/XXXX/XXXX via email about the status of scheduling the closing. He indicated that everything was going well and that he would have XXXX reach out to me to schedule. On XXXX/XXXX/XXXX XXXX XXXX sent me an email asking if I would be able to talk at all that day. When he called, he told me that the loan was not approved for any amount and that the application was closed. I expressed my dissatisfaction with the decision the bank had made and asked him to open a complaint for me and have his superiors contact me regarding the process and the decision. Days later I received a call from a woman regarding my complaint. I apologize however I do not have her name or the date that she called me. She listened to my complaint and said that she would follow up. The follow up never happened. Nor did the action that I asked for. I asked this representative to close any accounts that I had opened at the bank as a result of this loan application. The accounts included a checking account, a savings account, an overdraft protection account, and a credit card. I was completely mislead to believe that these accounts were a result of an approved credit application for this Home Equity Loan. She indicated that she would work on getting the transaction accounts closed and money returned to me, however this has not happened. She also said that she would look into having the credit card closed, and the credit inquiry removed from my credit report. This has not happened either. | ||||||
| 06/20/2017 | Yes |
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| This complaint is a follow up to complaint XXXX, which US Bank responded to on XX/XX/XXXX stating that they would follow up with a letter and resolve the issue. The issue remains unresolved nearly 2 months later. The original issue dates back to XX/XX/XXXX. This issue has therefore remained unresolved for nearly 3.5 months since US Bank was notified of the issue. On XX/XX/XXXX, I purchased a US Bank Prepaid Mastercard from XXXX XXXX XXXX in XXXX, CT. I loaded {$500.00} on the card at checkout. On XX/XX/XXXX, i went to check the balance on the card and the transaction history showed the card had been used in Texas at a XXXX and a XXXX. The entire balance had been drained from the card. I contacted US Bank at the number on the back of the prepaid card and was told to fax in certain information, which I did. A copy of that fax is attached. After hearing nothing for approximately a week, i called back. I was told that they had received my fax, and that the Disputes department had determined that the charges were fraudulent, and that i could speak with the Disputes department if I wanted more information. I waited on-hold with the Disputes department for approximately 45-minutes. On that call and subsequent calls I left a total of 3 messages on the Disputes department voice mail. None of those calls has been returned, even though they say they will contact you within 48-hours. On my fourth call, the frontline CSR told me they they had to wait for the retailers to do a chargeback, and they had until XX/XX/XXXX for that to happen, but that she could send me the replacement card now, and US Bank could load money to that card when they were finished with their process. I received the card with apprximately {$20.00} on it. XX/XX/XXXX came and went, and no further money has been loaded to the card.. I called again after XX/XX/XXXX and was again directed to the Disputes department where i left my final message. Once again I received no phone call nor other response to that message. Following my complaint XXXX on XX/XX/XXXX I received an XX/XX/XXXX response incorrection stating that my card was a US Bank issued Kroger gift card, and that they mailed me a statement of disputed transactions for me to fill out and return. As stated in my original complaint, the card was purchased at XXXX XXXX XXXX, not Kroger. Regardless, on XX/XX/XXXX I completed the Statement of Disputed Transactions and returned the form to XXXX XXXX XXXX, of the US Bank Complaints Response Team. ( See Attached ). I followed up with XXXX XXXX to confirm their receipt of the statement on XX/XX/XXXX. She responded on XXXX XXXX that they had received the form, and that she had just received word that the Disputes team had processed my statement of disputed transactions and that they were working on my case. On XX/XX/XXXX i requested an update from XXXX XXXX, since I had heard nothing. Hearing nothing, i followed up again on XX/XX/XXXX with an email to XXXX XXXX, stating that if I got no response I 'd have no further options except to file another CFPB complaint. I have yet to receive a response. The replacement gift card provided to me still sits with an approximate {$25.00} balance. | ||||||
| 05/30/2019 | Yes |
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| DATE : XXXX Cost {$510.00} Person in question is : XXXX XXXX XXXX & US Bank home mortgage After noticing many neighbors who have either refinanced or sold their home in our community, we saw that there was a chance that my family would be able to eliminate the mortgage Ins ( MI ) that we continue to pay on a monthly basis on our mortgage. So, we decided to contact US Bank directly to see what we needed to do to get the MI taken off of our monthly mortgage payment. After speaking to a US Bank rep, we were instructed to pay {$510.00} for an appraisal to see if the value was there. My husband being a dully licensed XXXX XXXX XXXX and a XXXX XXXX XXXX for over 20 years in over 35 states. He knew what to look for well before contacting US Bank regarding the MI to be eliminated. This is why we felt confident moving forward. Once the appraiser came to our home, he seemed to be doing his job as a normal appraiser would. Once it was time for him to leave, He asked me multiple times " what value are we needing ''? My husband answered him saying he is not to ask this question. Just focus on the appraisal as he would in any other home. The gentleman proceeded to state " you know if you're needing a certain value, we may be able to work something out ''. My husband knew right then and there that we were not going to be treated fairly. My husband answered the appraisers questions until it became clear the appraiser was looking for more than information, he was looking for a quid-pro-quo. He probed my husband about the major upgrades we did on the house and once we told him we are not looking to pay any additional money to the appraiser for work that must be without bias, The demeanor of the appraiser was less than professional from that point on. The appraiser from that moment on began to talk down our 2 year old home as if we had issues with it. Then he proceeded to point out that our garage was attached to our neighbors home which will bring our value down. My husband made it clear to the appraiser to do his job and to refrain from talking any more about our home and the value. We just had a bad feeling inside since this appraiser made it clear, that if we did not pay to play, we wont see the value we are looking for. Even though the appraiser had zero clue as to what value we were sure we would get our home appraised for. We are simply notifying you of a rogue appraiser who can hurt the housing market with his illegal practices. It is imperative to remove this man from his license asap. He is a bad apple with good ones who do their job well. US Bank finally sent us the report and the comps that were used were homes from XX/XX/XXXX while their were homes to use as comps within the last 3 months. The appraiser went out of his way to NOT use comps that were within the last 3 to 4 months. Instead, He used low comps from XX/XX/XXXX and various other homes to make it seem as if my home was not gaining any value in the past 2 years while everyone else was showing some form of value increase. We have not consulted an attorney against US Bank and the appraiser they used for this transaction. However, we are open to such litigation for damages. | ||||||
| 07/25/2022 | Yes |
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| to Whom it May Concern : Please see cover letter to US Bank in attachments, as well as all supporting documentation, regarding the failure of US Bank to pay my flood insurance premium from my escrow account. I had previously addressed this problem in XXXX and XXXX of XXXX, and was assured by my local mortgage lender, XXXX XXXX XXXX, that my insurance carrier ( XXXX ) had the wrong bank address causing a delay in providing my Flood policy invoice for payment. I was assured in an email from XXXX on XX/XX/XXXX, that the problem was corrected and all insurance would be paid by escrow as per my mortgage at US Bank. However, you will find additional documentation that US Bank again failed to pay my flood insurance policy for XXXX, causing a lapse of my flood policy on XX/XX/XXXX. US bank has taken the position outlined in the letter from their Customer Advocacy department date XX/XX/XXXX, that it is the fault of my insurance company for not providing the invoice in a timely manner. However, it should be noted that I had immediately notified both Meinders and private banker XXXX XXXX XXXX on XX/XX/XXXX, with a copy of the letter I had received from US Bank to once again provide proof of flood insurance. This email ALSO included a copy of the invoice which been sent for my file. This was still 8 days within the window of the 30 day grace period since the lapse of my policy on XX/XX/XXXX. It should be noted that I was assured this problem was corrected a year prior, and also that the same insurance company and agency provide my homeowners policy which US Bank did pay from escrow this year. Neither XXXX nor XXXX made any further communication with me regarding an issue with the escrow payment until I once again contacted them on XXXX XXXX, after receiving notification that US Bank had force placed a flood insurance policy on my property for nonpayment of premium. The delinquency of US Bank failing to pay my flood policy from escrow has caused a significant increase in premium to occur, as FEMA changed the elevation requirement for any NEW policy in XXXX. Had my same policy, which I have maintained with XXXX and the same insurance agency since XXXX been renewed, my property would have been rated at the XXXX feet elevation at which it was constructed, instead of the newly implemented XXXX feet elevation ; causing nearly a 5 times increase in my flood policy premium. Having no luck with either the local bank, or customer service, I was directed to VP of escrow XXXX XXXX XXXX. XXXX indicated it would be much less expensive for me to purchase private flood policy and recommended 3 companies. Two of the companies would not provide a quote to a non-agent, and the third gave a quote in excess of {$14000.00} annually. My policy premium for XXXX, that US Bank failed to pay was {$1300.00}. Obviously, the delinquency on the part of US Bank to pay my premium per my escrow agreement has caused a significant yearly financial burden to be placed on me. Ironically, banks require escrow to prevent this very circumstance from occurring. I very much look forward to your review of this complaint and further guidance. Best Regards, XXXX XXXX XXXX, OD | ||||||
| 03/25/2015 | Yes |
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| In XXXX XX/XX/2013, XXXX, a no-contract gym in XXXX, NM, used my XXXX year old son 's signature to forge an EFT authorization on my checking account, of which I am the sole owner/signatory. XXXX XXXX lifted the account/routing number from a paper check that I wrote to them to cover one month 's membership fees for my son. This check clearly listed only myself as the the account holder, not my son. My son was under the impression that he was signing up for a membership, nothing else, and simply signed his name, " here, here, and here '', as directed by the gym 's employee, while no parent/legal guardian was present. He left with the understanding that he was good to use the gym for XXXX month only, since that was what my check covered, and only ended up using the gym for that XXXX month so as not to owe another month 's membership fee. Subsequent to that membership application, XXXX XXXX made XXXX unauthorized monthly EFTs on my checking account, without ever seeking proper authorization from me, or providing me a copy of the authorization they were using with my son 's signature. In XXXX XX/XX/XXXX, I discovered the unauthorized EFTs while stopping another authorized EFT for my son 's college fund, and informed XXXX XXXX to cease and desist the unauthorized transfers and return the stolen funds forthwith. They stopped the EFTs, but refused to refund the unauthorized transfers. I submitted a claim with my bank for restitution of the unauthorized EFTs, but my claim was denied because the gym 's bank, US Bank, will not return the transfers without the permission of XXXX, the forger of the EFT authorization. At no point during these fraudulent EFTs, did either my bank, XXXX XXXX XXXX XXXX, or the gym 's bank, US Bank, verify that the EFT authorization contained the name or signature matching the checking account holder, namely myself. I should also mention that my son has a different last name than I do, which should 've made the bogus EFT authorization painfully obvious. I am currently in the process of submitting a complaint with the NM Attorney General for XXXX, but am still confounded as to how this bogus EFT authorization flew by XXXX banks for nearly 2 years without question. I have since learned that shady businesses, such as no-contract gyms, PREFER or REQUIRE payment via checking account EFTs since they KNOW the banks wo n't verify authorization, probably because the EFT Act holds them blameless for EFT fraud. Although I realize the originator of the forged EFT authorization is responsible for this financial crime, it would not be possible without the blind eyes the financial institutions employ during these transactions. Shady businesses prefer ACH EFTs on checking accounts rather than credit card transactions because they know it 's very difficult for consumers to get the banks to restore funds transferred without proper authorization. There needs to be some changes to the EFT Act to levy penalties on banks that transfer money out of accounts without proper authorization, instead of only requiring the account/routing information of a viable account, and worrying about authorization after the fact, or when they get caught. | ||||||
| 04/30/2021 | Yes |
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| On XX/XX/2021 I called US Bank and ask to be removed from the forbearance and I applied for the FHA reduce income documentation combo modification/ Covid -19 Hamp at 3 % monthly mortgage {$1300.00} and the balance will be added to the back of the loan extended the loan for 2 years. XXXX was told I would have to send them my pay statement. I emailed my pay statement the next day. I also received a letter via mail that is also posted on my online account in reference to the modification loan. I called to check on my payment dates and was told that I called and ask that my application be removed from the modification loan. I explained to the US Bank agent that I never called and stated no such thing. I asked to speak with a supervisor and was sent to the automated voice system to start the call over twice then twice the call was dropped. I spoke with supervisor XXXX XXXX. XXXX stated that she would put me in the modification program with the same terms and rate of 3.00 % and that she would speak with her supervisor to have it expedited. XX/XX/2021. I am now receiving calls asking for the full payment almost daily. I have asked them not to call because I am at work and they must read the notes on the file to see that I am in modification status. After calling US bank for weeks and sometimes twice weekly being hung up on or sending me back to the automated voice system to start all over to speak with a representative. XXXX XXXX informs me she has to resubmit the application for the modification loan on XX/XX/2021. I was very upset and scared that I was going to lose my home where I reside with my children. XXXX assured me that wouldn't happen. on XX/XX/2021 I received a letter from US Bank on my online account asking that I submit my pay statements. I submitted 4 pay statements and was sent a confirmation email confirming they were received. XX/XX/2021 A Rep from US Bank called me today to ask for payment of the full amount. I informed the rep of the modification and was told by the rep that I called to be removed on XX/XX/2021, I told the representative that I never called and stated that. She was transferring me to someone that could assist me but when the rep came to the line he hung up. XX/XX/2021 Spoke with XXXX XXXX from US Bank on XX/XX/2021, and was told I called on XX/XX/2021 to say I was no longer interested in the modification loan. I never called and stated no such thing. XXXX stated that he spoke with his supervisor that will put me back in for the modification hemp documentation combo loan with the same rate 3.00 % I called right back after my call ended with XXXX to speak with XXXX XXXX. The representative placed me on hold then came back to said to me that XXXX XXXX state that she sees the issue and make the correction and send it to her supervisor to have it expedited right away and will call me back when she is available. I owe XXXX towards my mortgage. In XXXX when I called I was not that far behind, since then I have called twice to make payments and was told not to pay anything yet this is also on a recording from the bank. I do not want US Bank to try and take my home. I have worked very hard to get this house. | ||||||
| 04/24/2018 | Yes |
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| USBank allowed my ex husband to fraudulently open a business checking account for my business which is a c corp that he has never had any share of with the forging of my name by a " friend '' of his XXXX XXXX XXXX who he had known for years. My signature was forged and my ID was never collected.This account was also to be a corporate account, the articles of incorporation clearly show that XXXX XXXX IS THE SOLE OWNER, XXXX XXXX HAD NO INTEREST IN CORPORATION. Had this information been taken, as required BY LAW, and my ID also taken, this could have never happened. XXXX XXXX opened a corporate account without the sole owner of corporation being present, made himself a cosigner, forged my signature with the help of his friend XXXX and used this fraudulent account to steel hundreds of thousands of dollars. I was told that this was the account that I had tried to open at a different location but the paperwork was intercepted by XXXX and this account was substituted. My ex XXXX XXXX was very abusive and controlling. He never allowed me access to my accounts or books and managed to write fraudulent checks and post fraudulent withdrawals totalling almost 900k since XX/XX/XXXX. US BANK FRAUD DEPT MANAGER XXXX XXXX - phone number XXXX called to speak with my business partner XXXX XXXX today ( XX/XX/XXXX ) and told XXXX that check fraud and withdrawal fraud has a 30 day statute of limitations and that my claims were not valid and USBANK has no liability for allowing the fraud to have occurred. Not only is it illegal for XXXX to have cited such false banking laws but clearly an attempt to bully me into not pursuing a remedy that they are so clearly liable. This account was for a C Corp that was my XXXX XXXX that XXXX was never a shareholder or an officer of. It is a shame USBANK would support such shameless illegal activities to victimize its account holders. 100s of checks were even signed by people not even named as authorized signers on the fraudulently opened account. USBANK did not take the corporate shareholders id when opening account, forged signature, clearly didn't take the corp documents needed to open such account ( or would plainly see XXXX had no right to open account ) and allowed 900k to be stolen via these violations and worked with this criminal via XXXX XXXX XXXX ( former bank employee ) to commit the crimes. XXXX XXXX XXXX - ANOTHER ACCOUNT REPORTED TO CFPB HAS ALREADY ACKNOWLEDGED THE FRAUD AND RETURNED THE ILLEGALLY STOLEN FUNDS. XXXX XXXX - ANOTHER FRAUDULENTLY OPENED ACCOUNT VIA IDENTITY THEFT BY XXXX XXXX HAS ACKNOWLEDGED THIS TO BE FRAUD AND CANCELLED THE DEBT. THIS FRAUDULENT CARD WAS PAID BY THIS FRAUDULENTLY OPENED BANK ACCOUNT. XXXX XXXX XXXX- ANOTHER CARD OPENED BY XXXX XXXX VIA IDENTITY THEFT HAS ALSO BEEN REPORTED TO THE CFPB AND THIS CARD TOO HAD BEEN PAID BY MY FRAUDULENTLY OPENED USBANK ACCOUNT. USBANK TO STOP STATING THESE ARE DUPLICATE COMPLAINTS AND TRYING TO USE ANY SLIMEY TACTIC TO HAVE THESE COMPLAINTS CLOSED. I AM TRYING TO KEEP FROM HAVING TO HIRE ATTY TO FILE IN FEDERAL COURT TO GET MY MONEY THAT USBANK ASSISTED IN STEALING BACK BECAUSE THEY HAVE ALLOWED SOO MUCH MONEY TO BE TAKEN FROM ME | ||||||
| 07/06/2020 | Yes |
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| On XX/XX/XXXX, our vehicle caught fire and was deemed a total loss. When we informed US Bank of this, we were told that our account would be frozen and that no further information would be reported to the credit bureaus. Our insurance company worked diligently and issued a payment to US Bank in the amount of {$59000.00} on XX/XX/XXXX. US Bank claims they never received this payment so our insurance company reissued a payment on XX/XX/XXXX. During this time frame, my husband and I were in continuous communication with US Bank and gave them updates as we received them. In two separate phone conversations, we were told by a US Bank representative, that US Bank would be the ones to initiate the GAP insurance claim, which would take care of the remaining balance of our loan. It wasn't until mid XX/XX/XXXX that we found out this information was incorrect as we received notice that a late payment had been reported to our credit. When we reached out to US Bank and asked to speak with a manager, we were put in contact with XXXX XXXX - Customer Service Manager. While speaking with Mr. XXXX, we informed him that two separate US Bank representatives had given us incorrect information and we were requesting audio recordings be reviewed and forwarded to us as this was hindering our excellent credit. We informed him that the GAP claim had been initiated by us on XX/XX/XXXX and that we had requested our GAP provider to expedite our claim. He stated that the only thing he could was to initiate an internal investigation into this matter and that US Bank would pull the audio recordings for review. We have several emails to Mr. XXXX asking for updates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) with little to no response. On XX/XX/XXXX, we received a phone call from US Bank representative XXXX XXXX. This individual works in the banks " charge off '' department. We had informed her that GAP was working on our claim and they were in the final stages of approval. We had sent her an email with documents confirming the GAP was in process and prior email documents with Mr. XXXX. And just like Mr. XXXX, Mrs. XXXX did not respond to our emails. GAP insurance issued payment on XX/XX/XXXX in the amount of {$25000.00}. Again, US Bank claims to have never received this payment so GAP reissued a payment on XX/XX/XXXX. My husband paid to send this check overnight via XXXX so we could ensure that US Bank would receive it as soon as possible. On XX/XX/XXXX, we called US Bank to confirm they received payment, and they did. The gentleman we spoke to in the charge off department stated that the GAP payment would be backdated to XX/XX/XXXX and that the balance on our loan would be around {$82.00} because all of the late payments and interest charges would be cleared out. We are now being told that the balance is around {$1200.00} +/-. So after being in constant communication with US Bank and being given incorrect information from several representatives in multiple phone conversations, here we sit with missed payments and a charge off on our credit report when we clearly had excellent credit to begin with in order for US Bank to give us an almost $ 90k loan. | ||||||
| 02/26/2018 | Yes |
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| This complaint has more than one possible course of action. In XX/XX/XXXX, I ( XXXX XXXX ) had returned from XXXX and purchased a motorhome from a dealer in XXXX XXXX, XXXX. The motorhome was listed at {$190000.00}. After a {$20000.00} down payment, taxes and titling fees, the balance was financed through US Bank XXXX XXXX. While residing in XXXX, my spouse - XXXX XXXX - contacted XXXX XXXX in XXXX XXXX ( a XXXX Agency ) to insure the vehicle against loss as required by the lean holder. She made statements and representations to the Agent that she did not want to suffer a financial hardship should she lose the use of the motorhome. The agent made no statements to GAP insurance or replacement cost versus actual cash value. In XXXX, we moved to XXXX state and were required by the insurance company to change agencies. XXXX contacted XXXX XXXX XXXX ( a XXXX Agency ) and restated her situation. The company re-wrote the policy based on the XXXX State Address. It was later found XXXX XXXX XXXX was a XXXX based company. In XX/XX/XXXX, there was an electrical issue with the inverter and the outlets internal to the motorhome. We brought the motorhome to XXXX XXXX XXXX ( XXXX XXXX, XXXX ) where they discovered rodents had compromised the electrical wiring in the motorhome. XXXX sent an appraiser out to XXXX XXXX XXXX and estimated the cost of repair beyond the reasonable value of the motorhome. In addition to the damage by the rodents to the wires, there may be additional hazards including diseases carried by the rodents. XXXX has offered approximately {$47000.00} in settlement for the motorhome. US Bank loan principal is {$64000.00}. This creates several situations where the borrower is harmed by the loan continuance. First, the borrower is self-employed and qualifying for loans while self-employed is virtually impossible. The credit ratings of the borrower have changed and is most likely not able to secure reasonable financing. The insurance agents did not protect the best interests of the consumer in contradiction to the Federal Fair Trade Practices by not exploring GAP insurance or replacement costs with the insured. The bank is willing to accept the insurance company pay off and insists that the borrower continues to pay the original ( payment ) amount of the loan agreement to terminations. In doing so, such an agreement would preclude the borrower from making arrangements for another vehicle. Through the CFPB, the borrower petitions the Board to investigate and assist in the negotiations or direct US Bank to accept the payout by XXXX XXXX and continue the loan at a reprojected term such that the borrower continues to pay the remaining balance at the contractually stated interest rate of 5.99 % for the remaining term of the loan ( 66 months ) and monthly payments of approximately {$380.00} per month. US Bank has offered to enrich themselves by offering a personal loan subject to normal underwriting conditions to include origination fees and a higher interest rate or the borrower could continue to pay the {$950.00} projected in the original contract. In doing so, US Bank would force the small business owner into bankruptcy. | ||||||
| 04/01/2021 | Yes |
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| Hi all, Yesterday I got scammed. It was very real and I'm so sad it happened. A person from XXXX called me saying that my Alien Registration Number ( XXXX ) was incorrect. She was American and even told me her badge number. She then walked me through the XXXX website, showed me all the steps to find the page saying that if you don't have XXXX updated you may suffer serious consequences like going to jail, etc. She knew how to navigate the government website flawlessly. When she called, appeared on my phone " XXXX XXXX '' ( XXXX ). I did not know anyone can change their names and phone number, so I believed it was real. She told me the call was being recorded and I could not hang up in any circumstance. After a while, another number started calling me. The woman told me to not pick up and to XXXX it who was calling me and then to tell her who was it. The other number calling was " XXXX XXXX Police '' ( XXXX ). Once I told was the police, she told me to pick up the phone. Then, the police XXXX, also American, told me that I had 2 options : 1 ) pay " XXXX '', which meant an immigration bond of {$1300.00} or 2 ) if I don't pay they would come to my house. I was freaking out. The police officer also told me she was in contact with the XXXX agent. PS : When you move to a foreign country to study, you do have a lot of documents to fill out and most of them have due dates, so I was scared and freaking out that I have missed anything. Then she told me to download an app in my phone called " XXXX XXXX ''. So, she had access to my phone screen and guided me to transfer via XXXX. In total I made XXXX transfers but every time I would hit the " send '' button to transfer the money, I received a text message saying that my transfer did not go through. The text message was from " XXXX '' and I believe it again. Since my transactions were not working she told me to go to Target and to buy gifts cards of {$1300.00} XXXX same amount of the transfers ). The whole time the XXXX officer was on the call with me. Before the call, I was applying for jobs and was very concentrated. Everything she told me to do, I did. I was freaking out and XXXX to see what was happening. Gladly I live with my mother, she followed me to Target and called the police officer from Target. When I passed the phone to him, the woman from the " ICE '' hang-up and then I realized it was all a lie. Total I lost 90 % of my account XXXX XXXX {$2800.00} XXXX. Today I changed all my account numbers and cards. I'm still very sad that I believed all this but it was very real! Once it appeared in my phone " XXXX XXXX '' and " XXXX XXXX Police '' calling I believed and was XXXX trusting them. I wonder if they do that with people that do not have the support like I had with my mother. They could lose absolutely all their money. My mother has friends in other states and today one of her friends told her the EXACT same scam happened with her yesterday! She lives in North Carolina. ( I'm from Ohio XXXX. US Bank told me they will not reimburse me since I was the one who transferred the money. But the fact is that I was victim of a scam, they were so professional. Thank you. | ||||||
| 03/25/2021 | Yes |
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| In XXXX of XXXX, My husband and I decided to sell our home. We contacted US Bank, our mortgage company for a payoff on the home. Earlier in the year, I called US Bank to let them know we were in a financial hardship and they offered us a loan deferment program through HUD. We agreed to the terms and we were approved. We were uneducated on the program and all that it entailed and we were not given proper information on the program. As much as we tried to read and understand the lengthily document, we were just not familiar with the terminology. To our understanding, we were getting help from the government that would not have to all be paid back at once. When I tried to reach out to relationship manager for information and questioning, I never received a response. Back to XXXX of XXXX when we received the payoff. The original payoff was given in error because it was actually the total price of the home at the time I purchased it back in XXXX. The revised payoff amount was then sent to me in the amount of XXXX. I was never given an explanation on this payoff and I did not understand the terminology on the payoff. The only thing I fully understood was that we owed US Bank XXXX, XXXX. With this total payoff and the sale of our home, we officially deemed it safe to sell our home and our proceeds would be XXXX after closing fees. Four days before the closing on our home, I receive a letter from the closing attorney of the buyer that we had a second payoff on our home in the amount of XXXX. I immediately panicked and called US Bank because this was the first time I was hearing of this second payoff. On XX/XX/XXXX and XX/XX/XXXX, US Bank representatives assured me I had nothing to worry about. They sent me proof that the XXXX, XXXX was already paid by US Bank to XXXX ( HUD ) on XX/XX/XXXX and they sent me documentation to prove it. Due to this assurance we did not pull out of the sale of our home. We trusted that the US Bank professionals were guiding us in the right direction. On XX/XX/XXXX, we closed on our home and our proceeds were, XXXX. The closing attorney told me that they can not release that XXXX to me because it was never paid by US Bank. I confirmed this information with US Bank when again, a different representative told me that US Bank made a mistake in telling me that it was paid. In was in fact not paid. The " paid '' amount was from XXXX to US Bank to be applied to our mortgage for the loan deferment. We did receive an apology letter or sorts from US Bank. There are no words to tell you what we have went through because of this mistake. We are in a financial hardship. We have children and we work hard! We trusted our mortgage company and because of this " misinformation '' we are struggling financially. We are pursuing legal help in this matter to try and get ourselves back on track. In the meantime, I took time to make this complaint in hopes that this doesn't happen to other people in the future! If we were told by US Bank that we had a second payoff and they didn't tell me it was already paid, we would still have a house and would not have made the decision to sell. Praying this letter falls into the right hands. | ||||||
| 10/12/2015 | Yes |
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Web | Servicemember |
| ~ This file is to be PLACED WITH CASE FILE # XXXX - XXXX. U.S. Bank National Association from the ILLEGAL law offices XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Oklahoma XXXX, XXXX XXXX, ( XXXX ) XXXX XXXX, fax ( XXXX ) XXXX XXXX. With a second office address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, fax ( XXXX ) XXXX XXXX, lawyers listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Pictures # XXXX, XXXX, XXXX, XXXX ARE THE ILLEGAL UNMERITED weak sand that CA N'T TELL ME I DO NOT KNOW WHAT I AM TALKING ABOUT, NO plaintiff anywhere WILL SHUT ME UP AS IT IS ALREADY KNOW THAT U.S. Bank National association has ALREADY BEEN SUED FOR HARASSING United States Citizen 's AND HAS TRIED unsuccessfully to not answer to THE FRAUD ALREADY FOUND PERTAINING TO houses AND FAMILIES LIVES. THERE IS NOT ANY PLACE THAT DOES NOT GLOBALLY KNOW WHAT HAS BEEN GOING ON WITH THE FBI, XXXX, FTC, POLICE, CEO 'S IN PRISON, MONEY LAUNDERING, ticket Me scalping and ILLEGAL exchanges of money in and out of VAULT 'S. Picture 's # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX are the FRAUDULENTLY INSTALLED ILLEGAL CONTRACTOR 'S that installed and cracked walls, did not measure correctly, had no LEGAL CONTRACTOR 'S PERMITS AS TO THE REASON the house DID NOT PASS INSPECTION 'S NOR APPRAISAL 'S AND why XXXX this house went into FRAUDULENTLY OPENED ILLEGAL account 's where the payment 's did not go where stated and the way the bail out 's started from FRAUD account 's ILLEGAL accountant 's, money laundering, gambling, etc., ALREADY FOUND AND DOCUMENTED FROM ILLEGAL spending, luxury cars, luxury vacation 's, hidden account 's and ILLEGAL divorce cased FRAUDULENT payment 's of house payment 's. # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX THAT ILLEGALLY INSTALLED NO PERMIT bathroom that has no heat, no air conditioning, no water and pulling apart from the original house. The seams of the walls are breaking apart and the masking tape that was painted over is pulling off the walls. With no insulation under the raised floor it is COLD in the winter, the driveway is cracked and pulling apart and it was that way in 2012 - for a VA first time home THAT IS ILLEGAL AND FRAUD. # XXXX picture was placed on file in court and THAT WAS NOT THE CONDITION OF the house on XXXX/XXXX/2012 - THAT IS FRAUD DOCUMENTATION. This house sat empty for almost 2 years, the plumbing was off. The house is NOT WORTH {$74000.00} IT IS OVERLY priced for this area/OPENED ACCOUT FRAUDULENTLY. A remodel is to have ALL WORKING FEATURES the correct price - a remodel will NOT MAKE THE amount of a house go up in a starter house area where the average house is from {$28000.00} to {$30000.00} and where houses have been here since 1959, the streets are cracking, the sewage is outdated, the electric is outdated, the water meters are outdated - some houses have garages, some do not. This is the third time this house has gone down there is no deed, no title and robo signing is FRAUD, also PREJUDGING AND DISCRIMINATION ARE FRAUD. | ||||||
| 02/02/2021 | Yes |
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| My name is XXXX XXXX. I live & work in XXXX as a front line worker in a very busy hospital. I only mention this cause it has a direct affect on my issue. I had a credit card with my bank. XXXX bank in XXXX. The credit card company XXXX bank uses is Elan financial services. In the Beginning of last year 2020, around XXXX, I payed off this credit card in full 100 % paid off. After the card was payed in full I then canceled the card. Cut the card into a million pieces and throw it away. I got rid of this credit card because of money. During Covid it has been very tough for me & my wife to get by. Yes am working but she is not. So every dollar counts. This is the reason for canceling the card so there would not be a bill every month. Months later, around XXXX, a website company XXXX, that I was using for a website needed to be renewed. The credit card I had canceled was listed so XXXX charged that card. These charges should never have happen. The card was canceled. Elan financial services should have informed XXXX or the charge should had bounced back to Wix or they should have informed me. They did not. instead The charge Went through so I was charged almost {$300.00} on a credit card I already canceled. When I received the bill from Elan financial services I called them directly and was told they can not do anything. That the chargers went Through because that is the card that was on file and even Though I already canceled the card it didnt matter. The only way I could cancel was if I contacted XXXX to cancel the chargers. I did. I called XXXX and for days & days in XX/XX/2020, I had to fight with XXXX about canceling these chargers. Again being a front line worker it was extremely difficult To step away from my busy job at the hospital to make these phone calls not only with XXXX but with Elan financial services Finally XXXX agreed and canceled all charges. I spoke with a manger who explained that all chargers would be dropped. I then contacted Elan financial services and let them Know. I thought I was cleared from this but I was not. Few weeks ago I received a bill for {$24.00} from Elan financial services A fee the credit card company is staying is left over from the charges XXXX charger. A charger that should had never happen. Elan financial services is telling me that I must pay this bill or they will continue to hit with late fees. Even though I told them the mistake XXXX made and even though I told them XXXX is going to refund the {$24.00} they still want there payment from me. I called Elan financial services and explained my situation. Instead of just canceling this fee. A fee that should never have been put on a canceled card, they told me I had to pay it. Nothing they can do. I feel like am being scammed and squeezed by Elan financial services over {$24.00}. A way they can keep charging me and getting money from someone who truly needs every dime I make to Survive. Even thought XXXX is going to refund the {$24.00} they are still charging me These fees should be canceled and I should not have to pay any more money to Elan financial services Please help A front line worker tried of being scammed. | ||||||
| 10/04/2020 | Yes |
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Web | Older American |
| I contacted the office of the president, Elan Financial Services, XXXX XXXX, XXXX XXXX, ND XXXX Complaining that the {$350.00} of the Visa Debit Cards I had ordered as benefits thru the XXXX Credit Card benefit program did not work -- they were refused both online at any business I attempted to use them. I received a response from Elan Office of the President requested information such as where I made the requests, the number of the cards in question, and my personal information, that I was to snail mail to them. Several days later, I received a call from a telephone rep of the Elan company requesting for me to call to them and to speak directly to the rep, which I did. This was after spending nearly 12 to 14 hours on hold to the company credit card help line, only to be told that all cards were in working order, and that the problem had to be on my end ( three calls total to lower tier helpline ) None of the numbers worked, which is why I wrote to the above Office of the President. I called the rep, who spent approximately 1/2 hour on the phone with me, looking thru each credit card, and actually removing fees charged to me on some of the cards that I could not access. I was then told that the cards were fine, but I had made the mistake of attempting to use VISA debit cards online on XXXX, and the ELAN 's forgery system disallowed such purchases, because the algorhythm of the fraud program saw this as an abuse of the cards. In order to actually use the cards, I would have to do so within my zip code area for them to work. If I did, I would be in fine shape. About one month after that I went to XXXX XXXX XXXX and attempted to buy several hundreds of dollars in lumber and supplies for a DIY project I was doing at home. Every single one of the cards was denied by XXXX. I apologized and left, after putting back all the merchandise. I went to XXXX XXXX, in the XXXX zip code area and again tried to make a purchase -- this time for only {$150.00}. Again, all of the cards were denied at checkout. I then decided to give up. I wrote to the company again and said that the problem had not been resolved and to please help me. I was sent a response that I would receive a response soon. This was over a month ago. I have received no response. I wrote to XXXX XXXX, based in XXXX INdiana, the sponsor of the program -- company that offers the rewards program as incentive to use its credit card, but denies any responsibility for anyone trying to use those rewards. As a result, I have hundreds of dollars in useless cards. I have asked repeatedly to just receive credit back from the rewards program -- an answer which seems fairly easy, since the cards do not work, and therefore are fraudulent. No response from Elan. No response from XXXX XXXX Nothing. I am writing out of desperation. These companies enticed me to use their credit card through a rewards program. I saved up points for years to get prepaid cards to use to help me at home, as well as help pay for items for my mother who is in assisted living. I've explained all of this over and over to no avail. This is theft, and I am being ignored. I really need your help please. Thank you. | ||||||
| 02/09/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2021 I attempted to use my debit card to make a purchase at a fast food restaurant. The transaction was declined. Knowing that I had sufficient funds in the account I decided to go to a atm that was close by. Upon inserting my card I received a message saying " card restricted '' I immediately contacted the branch. This began a string of transfer calls to multiple departments. I was initially told by customer service that my account was frozen due to transactions and I was transfer to debit card fraud - that department asked me to verify a transaction which I had already verified a week ago through text. I was then placed on hold and when the representative came back they stated that there was a message that I needed to contact the branch to resolve. The very next morning, I logged into my online banking and noticed my husbands scheduled direct deposit was not showing in the account instead what I say was a debit in the amount of {$750.00} which was the balance in the account at the time. I again called and spoke with the fraud department who stated they could not assist however they did mention they didn't see any incoming deposits. When the bank opened I met with the branch manager who was confused at best. He had no information and showed me a screen with no notes or any indication of a closure or a freeze. The only notes were from when I opened the account months prior. He informed me that he would need to investigate and find out what is going on and it would take several hours and he would contact me. I finally spoke to him again at XXXX and his response was that the issue was not going to be resolved today ( XXXX ) I'd need to wait until Monday and that my husbands direct deposit was being returned to his company. I asked what was I supposed to do over the weekend or longer with absolutely no access to my funds, he said he had no answers. Not able to rest, I continued to call the bank over the weekend to be hit with the same roadblocks of " I don't know ''. Monday XXXX I began calling again I spoke with CAFE Deposits who said my account was being held by fraud, I spoke with Fraud who stated my account was being held by RISK, I spoke with RISK who said my account was being held by the local branch. I called the branch who said I needed to be patient and allow fraud to finish and that they have no other information. Not giving up I called back and spoke with Fraud Manager XXXX, she was a bit confused and noticed that my cards have been switched to different accounts but was hopeful that she could fix the issue. After placing me on hold to contact fraud liaison she also referred me to the branch. This is now 5 days without access to my funds and no answer as to why. XXXX I contacted the fraud liaison department and was finally told my account was being held with Internal Investigations and the local branch has the ability to call and find out more information. So on day 6 it has been revealed that the issue is seeming to be involving a bank employee yet I am being left to wait again with no access to my funds. I have requested to close my account and allow me to withdraw my money but have been told no. | ||||||
| 08/10/2023 | Yes |
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Web | Older American |
| My credit report contains outdated negatives. Since then I have received a loan from XXXX XXXX plus I have received three small amount credit card acceptances. I did pay off much credit card debt and it took me XXXX or XXXX years and I did this through the XXXX XXXX XXXX company that worked with my creditors to negotiate and that helped me pay off my major credit card debt, being debt free of that in XXXX XXXX XXXX And I do pay more than the minimum that is due monthly by my three current credit cards. I had asked XXXX XXXX for the establishment of another small loan for a reserve account for overdraft fees and that would be very helpful as I had this before in my previous personal checking account with the bank and always paid back any money borrowed sooner than it was due. It is important for me to have this loan because I am retired and receive my pension in the beginning of the month and my social security towards the end of the month. I had some overdrafts that I wound up paying last month and was lucky I did not have to pay more because I did finally receive my social security and time and my pension a few days later to cover the overdrafts in time so they could be canceled. So I would appreciate if the credit card company XXXX would update my credit card report to show that I do pay my credit cards on time now and also my other loans with XXXX XXXX and my home mortgage to XXXX XXXX and my HELOC to XXXX XXXX. I would also appreciate it if the CFPB would also contact XXXX XXXX to reconsider my request again after reading this summary and hopefully my credit report will be updated positively I considering my positive actions that I accomplished to overcome my previous credit card debt and I have improved my financial situation because of this. Also I continue to pay all loans and credit cards as required and on time. This updated my credit report will help me to continue to have positive credit by getting a adequate small loan for overdraft protection in a reserve overdraft protection loan with my bank. I did have this overdraft protection reserve loan account with my bank with my previous personal checking account with my bank that was replaced with a new personal checking account with the same bank recently. However I could not receive the small loan for overdraft fee protection with my bank because of outdated comments that no longer apply to my current financial situation, and continue to be an unfair demerit, as I have completely paid off my previous major credit card debt. I believe the old comments on my credit report refer to old negatives that I no longer valid. It took me XXXX or XXXX years to diligently and pay down that credit card debt and accomplished that in the beginning of XXXXXXXX XXXX XXXX. And since then as mentioned before, in the beginning of the year I believe, I was accepted to get a XXXX XXXX loan and also three small credit cards. If I could get this overdraft protection loan account for my current checking account, that would definitely help ensure that I continue to have good credit and to help me pay off my bills on time and also pay off my current loans and credit cards on time. | ||||||
| 01/19/2023 | Yes |
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| My USBank credit card has a feature called " XXXX XXXX XXXX which allows you to make monthly payments for a monthly fee rather than the monthly interest. In order to use the XXXX XXXX feature, you select the transaction you would like have on extend pay, and they will calculate a monthly fee. The marketing material on their website explains that the XXXX XXXX XXXX is seperate from your regular transactions and in the Q & A section, it says that you will not be charged a fee if paid in full. On XX/XX/XXXX, I made a transaction of {$6000.00}. This would make it part of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I clicked on the transaction and set up XXXX XXXX for a monthly fee of {$39.00}. On XX/XX/XXXX, I decided to pay the XXXX XXXX XXXX in full along with my current balance ( {$6400.00} ), due XX/XX/XXXX, XXXX XXXX XXXX. I asked to have the XXXX XXXX XXXX waived since I was paying it off in full before it was due and had an extended argument over whether or not the fee was valid. She eventually agreed to reverse the XXXX XXXX XXXX and my balance was paid in full by phone that day. I was surprised to receive XX/XX/XXXX bill with another XXXX XXXX XXXX for a balance that was paid in full. I called again to ask why that fee was being charged and spoke an agent that was once again arguing the validity of that fee. I asked to speak with a supervisor and was transferred. The supervisor said that she would waive the fee again and I thanked her for that but I asked why it was still active. She said that I had a remaining balance on the XXXX XXXX XXXX. I asked how that could be possible when I paid the balance in full on XX/XX/XXXX. She could not give me an answer but transferred me to Customer Service. I explained my situation again and spoke with a Customer Service Agent who apologized and said the XXXX XXXX XXXX was new and they needed more training on it. Her explanation was that when I called to pay my balance in full on XX/XX/XXXX, the system applied my payment only partially to the XXXX XXXX XXXX, leaving out the pending transactions from XX/XX/XXXX - XX/XX/XXXX, which weren't even present on my account, and not due until the next month 's statement, due XX/XX/XXXX. I tried to explain to her that I was clear with the agent on XX/XX/XXXX that I was paying off my XXXX XXXX XXXXXXXX and would have a XXXX balance that day. How am I supposed to pay the balance on payments that aren't even posted? What more could I do? I was paying my balance in full 3 weeks early, is that not enough? The Customer Service Agent I spoke with on XX/XX/XXXX said she could not terminate the XXXX XXXX XXXX but said it would be gone on this next cycle. The balance of the XXXX XXXX XXXX reflects transactions that I never agreed to put on XXXX XXXX. My complaint is that the USBank XXXX XXXX XXXX is presented deceptively online and the fees and payments are posted inappropriately, resulting in transactions being charged a fee to which I never agreed. I strongly encourage consumers to avoid the XXXX XXXX XXXX from USBank. It is not straightforward and full of technical glitches that result in fees and aggravation. | ||||||
| 05/13/2020 | Yes |
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| Hello, my name is XXXX XXXX and the reason I am sending out this letter is to correct an error that I see on my Credit Reports. The Creditor ELAN FINANCIAL SVCS Credit Card Number : XXXX is reporting a false missed payment on my reports. On XX/XX/2020 I noticed there was incorrect information on my credit reports. The reports state that I have missed payments from ELAN FINANCIAL SVCS. I logged into my Elan Financial credit account and I started to investigate all the activity from every transactions that was made. I noticed suspicious activity that happened to be fraud charges on my account. At XXXX I called the fraud department and I spoke to an agent named XXXX and I explained to him the situation and we looked over the fraud activities together. He agreed that the activity looked suspicious and that it was fraud. Agent XXXX told me not to worry and that I would not be held accountable for any of the fraudulent transactions. XXXX began to file a dispute and stated that he was going to provide me with a provisional credit and that the investigation time frame was going to be around 30 days. On XX/XX/2020 I received a letter Dated XX/XX/2020 from ELAN FINANCIAL SVCS. The letter was from the fraud prevention team and it stated that they have concluded their investigation and that the provisional credit that was issued to my account for the fraud transactions is now final and that the claim was approved and that everything on my account is now back to normal. The letter said that if I have any questions concerning the account to contact them at XXXX. On XX/XX/2020 at XXXX I called ELAN FINANCIAL SVCS in concern with the missed payments that are still on my credit report and are affecting my excellent credit history. I asked to speak to a supervisor or credit analyst and was transferred about 3 times until I ended talking with agent named XXXX and she could not help me, she said that for any questions that I have to write and send a letter to the dispute department. I do not understand why if there were fraudulent charges on my account and ELAN FINANCIAL SVCS already concluded their investigation and resolved the issue and my account is back to normal, why does nobody at their bank want to help me or transfer me to a department that can help me. This is unacceptable and very unprofessional from the behalf of ELAN FINANCIAL SVCS. I am XXXX months pregnant and I also suffer from XXXX and XXXX XXXX, I work a full time job and I am a mother of a XXXX year old child and I also provide care for my nephew and niece it is really hard for me to deal with these problems, especially now during the COVD-19 crisis and everything that has been happening in this year 2020. I am in the middle of buying a house and the late payment error on my credit reports from ELAN FINANCIAL SVCS is affecting my chances of getting approved. This whole process has been affecting my XXXX XXXX and I am concerned for my health. Please remove false information from my credit reports. My attorney and I will file a lawsuit for defamation of character if this issue is not resolved. I have attached all the evidence of the situation. | ||||||
| 04/28/2020 | Yes |
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| I had opened an account with US Bank on XX/XX/XXXX. I signed up with a {$300.00} checking bonus offer after completing the following terms : utilize code XXXX, received two or more deposits totaling $ 2,000+ within 60 days, enroll in online banking or the mobile app by XX/XX/XXXX. The promotion expired on XX/XX/XXXX. Right after I signed up, I attempted to sign up for mobile banking the following day after applying, around XX/XX/XXXX. I was asked for my account or debit card number, my social and PIN. Unfortunately, the only thing I had was my social. I was locked out of establishing access. When calling in, I was told I would have to wait for my debit card to arrive in order to create a PIN and set up online log in. I downloaded the mobile app on XX/XX/XXXX as a last attempt, and got the same results. US Bank had made it impossible for customers who signed up towards the end of but still within the promotion period to get mobile/online access due to an action on their end of sending final banking information and products ( account # and debit card ). I went on to complete the main requirements, by completing total direct deposits into the account on XX/XX/XXXX. US bank had reached out to me shortly after I applied on XX/XX/XXXX to see if I needed anything with my new account having opened it online. I replied back to an employee by the name of XXXX XXXX XXXX, Account Setup Coordinator telling her my issue with setting up online banking as outlined above. I received no response. The reply was to her work email, XXXX. I tried to open an inquiry into this situation well after the bonus period, on XX/XX/XXXX. A rep by the name of XXXX XXXX in the email operations department opened a case for me, and told me I had " met the " XXXX '' promotional requirements more than eight weeks '' ago - giving me a timeline of 3-4 business days. Again, I never heard back. I followed up on XX/XX/XXXX. I followed up again, on XX/XX/XXXX. Finally I got a reply on XX/XX/XXXX from XXXX XXXX who was surprised that I never heard from anyone, as my case was closed and I was found ineligible due to the mobile banking requirement. I gave my reasons, and tried to ask for further contact on the matter which has since been ignored. During this whole process US bank acted in incredibly poor faith. Before the COVID-19 crisis, they were unresponsive to any contact, and had made it extremely difficult if not impossible for those who opened accounts towards the end of the promotional period to fullfill the requirements as they only gave 4 business days to create an online profile, but then took nearly 3 weeks to mail a debit card which was a requirement to fullfill one of their requirements. It was a bait and switch. US Bank simply ignored most of my comments on this, whenever it was surfaced. They should have either given more time to get the proper documents and items to set up online banking, or given that information at time of account creation. It was simply impossible to work with US Bank and I believe their inaction ultimately made their promotional advertisement deceptive, while denying {$300.00} and tying up my money for months. | ||||||
| 01/12/2017 | Yes |
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| Within the letter dated XX/XX/2016 written by XXXX XXXX, are many explicit lies, contradictions, and unethical falsehoods that XXXX XXXX and US Bank have contrived in a nonsensical effort to fool the CFPB, Federal Reserve Claims department, and the customer regarding the illegal withholdings of a check deposited on XX/XX/2016. Firstly, XXXX XXXX XXXX has no business responding to a complaint himself in which brings into question his integrity and proper handling of XXXX XXXX 's complaint of the unjust withholding of his cleared check deposit. XXXX XXXX should have been professional enough to recuse himself and allow for a cohort, internal ethics review department ; or a superior to review his handling of the case and allow for a proper review to be conducted. 2. XXXX XXXX now makes a claim that " the account number affiliated with the deposited check had produced a large number of returned items ''. However, XXXX XXXX had mentioned in previous correspondence that there were " inconsistencies '' with the check itself as reason for the withholding of funds. It should be noted that " check inconsistencies '' and a claim that the checking account of the payer on the check had produced return items are XXXX separate, distinct and contradictory reasons. Either there were inconsistencies on the check or XXXX 's account produced many return checks? Why was it not mentioned in any prior correspondence? Why was there no specific verification was ever requested? 3. It should also be noted that it was not a personal check but came from XXXX 's account. It is a flat out lie that there would be a large number of returns on such an account. Furthermore, there is a XXXX number on the back of the check itself that verifies the check authenticity and verifies its secured funds, third party or not. XXXX XXXX 's assertion that they reached out to the issuing bank at anytime is a lie. Furthermore, according to the issuing bank itself and other US Bank reps on a recorded line, the funds were certifiably deposited into the US Bank account without issue. ( the number on the back of the check is XXXX. Us Bank would have no issue verifying the check via this number even being a third party. It simply is a lie ) both a toll free number and a toll number are provided clearly on the back of the check for the specific purpose of verification third party or not. Furthermore, the number is clearly captioned in check copy provided by US Bank in previous letter documents. Thus US Bank no good will effort to verify the check and did notjing. 4. XXXX XXXX also makes the distinction that his referral to the XXXX XXXX XXXX Branch was not for recourse but to provide verification. Despite that being false, what difference does such a distinction make? I reached out to the Branch and talked to both co-manager and main branch manager and they told me they have no way to assist in the issue as it was out of their hands. Furthermore, the contact info in XXXX XXXX 's last response letter was not for someone at the XXXX XXXX XXXX XXXX. 5. On XX/XX/2016 i was promised a credit for the XXXX in fees by the US Bank representative on a recorded line. | ||||||
| 03/17/2023 | Yes |
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| First of all, my bank account is a joint account and this alleged interest income was received under my husband 's name only. Bazaar! On XX/XX/2023 I received a 1099-INT form from US Bank XXXX The interest form alleged {$500.00} interest income, which was outrageous for a checking account that earns XXXX cents interest a month. In this lifetime, this amount will never be achieved. I called US Bank the first time and requested explanation as to how this inflated interest income was calculated, based on what exactly. After being put on hold for 30 minutes, the rep came back and told me she couldn't find any basis for that and it was all very strange for this type of basic checking account, even folks who have 6-7 digit savings accounts do not earn {$500.00} interest income a year ; she had no idea where {$500.00} originated so she would submit a request for correction and I would expect it in 10 business days. Fast forward a week, I received duplicate 1099-INT form rather than getting an explanation and correction. I called US Bank again on XX/XX/2023. And again, after being on hold for nearly 40 minutes the rep came back with the same answer that she couldn't find out the origin of this alleged {$500.00}, and it was very strange for a very basic low balance checking account. The man I spoke to put me on hold for over 46 minutes, came back and apologized and said he needed more time to look into this since he could not understand what was going on, after the 2nd hold period, the call automatically bounced to the main line, and another rep answered and asked me how she could help me. I was frustrated at this waste of time and dysfunctional phone system, nevertheless I started explaining the reason for my call over again, when I realized 4 minutes later that the line was dead, no one on the other side of the receiver. I didn't call back and I did not receive a call back. Fast forward another week, I did not receive anything in the mail. I called US Bank again on XX/XX/2023 and spoke to rep named XXXX, who started to read the notes and tried to assist me. She came up with nothing, just like her predecessors, and told me that it was very strange, and the system wouldn't even allow her to submit a correction. She said this was bazaar. How could someone come up with {$500.00} on a checking account earning XXXX cents a month interest. I explained her that I need to file my taxes and I was not able to do it because of US Bank not fixing this egregious bank error on my 1099-INT. XXXX suggested she filed an internal complaint however I have to wait another 10 days to get a response in the mail. Every time I call, I have to wait 10 days to get a response that never arrives, and this effects filing of my income tax, and now because of this bank XXXX XXXX I have to get an extension because I can not afford to file an erroneous 1099-INT, and then pay my accountant to amend it. Knowing how irresponsible US Bank is I am filing this complaint to finally get someone's attention to fix their own mistake, and send me corrected form ASAP, expedited. It has been 17 days now I have been desperately trying to get answers from US Bank. | ||||||
| 09/21/2016 | Yes |
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| I purchased a home in XXXX, XXXX immediately after my divorce in XX/XX/XXXX. In XX/XX/XXXX, I had to relocate to XXXX, XXXX for my job so I rented the house and subsequently went through a nightmare situation with the renter, who did n't pay me for a while and finally did leave. I then put the house on the market and several months after, realized that any offer I would be able to obtain would require me showing up to the closing table with several thousand dollars that I did not have. So I started into the short sale process with US Bank, Account number XXXX, property address XXXX XXXX XXXX, XXXX, XXXX XXXX. After several months I finally received approval from them, and we began to collect offers. We went though several iterations of getting an offer, beginning the negotiation process with US Bank, the entire process taking so long that the buyers would walk away. Even one buyer invested money in fixing the house up so that it was pass inspection for his lender, but we could never get a response on the offer from US Bank. So the buyer walked away, we found another buyer, then US Bank would say my paperwork had expired and I had to reapply. So I would do that, several months later get approved again, obtain another buyer, only to have it fall through because of no response from US BANK. At this point we are approaching three years since I began the short sale process with US Bank. The home has been sitting empty and is nearly falling in at this point. I live hours away and can not maintain it. The most recent offer came XX/XX/XXXX and was for XXXX, the bank had stated the offer needed to be at least XXXX for it to work. Months after submitting the offer, the bank told me the paperwork had expired and I had to reapply for short sale approval. I did this and only a few months ago got approved, the buyer was still interested. So we started moving along and then my representative quit US Bank, the last email she sent was saying that everything was approved, and we were just awaiting approval letter. Now they are telling me it is n't even approved, even though I have an email from this person saying it was. My house has declined in value so much at this point I do n't know I can ever get another buyer. I have been threatened with foreclosure multiple times even though I 'm doing everything for short sale. My understanding is that other people in this situation are able to get through the short sale process in about a year, and I 'm approaching three. I qualify for this program due to relocation for my job, so I 'm not sure why US Bank is treating me this way. The damage that has been done to my credit is something you ca n't imagine, I could n't get credit for anything at this point. Even my car insurance rate is through the roof, I have no access to any credit in case of an emergency, and when I had to trade cars last year I was nearly declined even for that. I now pay more than anywhere near fair market rate because of this situation. XXXX XXXX. I really hate filing this but honestly do n't know what else to do.. plenty of other people have been able to sell their house via short sale, I 'm not sure why not me. | ||||||
| 08/31/2023 | Yes |
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| After contacting the IRS office and IRS Identity Theft Fraud Department, I came to the conclusion that I have been scammed and defrauded for the two cashier checks issued at your branch for {$39000.00} and {$42000.00} on XX/XX/XXXX and XXXX XXXX, respectively and the wires {$4900.00} and {$9100.00} sent from US Bank with the aid of inside help at US Bank.. On XX/XX/2023 my wallet was lost with my credit cards and driving license while traveling outside the US. Then, on XX/XX/XXXX I received an email from XXXX that there was a charge of {$800.00} submitted to XXXX as my US bank credit card was linked to XXXX, then, called XXXX immediately and I was transferred to someone at the US Bank who asked all kind of questions, and then advised me that an IRS agent ( XXXX XXXX ID ) would need to talk to me to report the fraud happened into my bank accounts. The IRS agent asked not to talk to anyone and mentioned the IRS to anyone at US Bank. Then he got remote access to my US bank account and wired {$4900.00} and {$9100.00} out of my account to an IRS server with private names ( US bank should have a record of those two wires ) to a safeguard IRS account. After the IRS agent got access to my US Bank accounts he tried to send wires several times and used a XXXX account to send money from two US Bank Branches in XXXX XXXX and XXXX, that is when the US Bank fraud department blocked my accounts. I was threatened that if I mentioned that this money, {$110.00} XXXX, was requested by the IRS, to the US Bank, the IRS would freeze all my accounts for a long time at US Bank and elsewhere. Obviously, without any experience I believed it. Please note this scammer IRS agent got inside help in he US Bank, as my investment fund of {$110.00} XXXX was liquidated without my authorization and knowledge and transferred to my checking account XXXX before was closed, even cash advance of {$6800.00} was transferred from my US Bank credit card and wire limit per day was increased without my request, and my authorization or consent, Thereafter, I requested that the US Bank to ; ( 1 ) stop and dishonor these two cashier checks on XX/XX/XXXX and US Bank refused and negotiated cashier checks on XX/XX/2023, and ( 2 ) recover the two wires of {$4900.00} and {$9100.00}, and ( 3 ) Reverse unauthorized cash advance of {$6800.00} on my credit card, and refused, and ( 4 ) Stop unauthorized use my overdraft protection, and they refused, ( 5 ) investigate who provided the inside help in the US Bank to this IRS agent scammer. ( 6 ) Reverse the illegal liquidation of my investment account of {$110.00} XXXX and refused. Then, US Bank froze my access by online, phone or at branches to all my accounts for 6 months and kept charging interest on my cash advance and refused to pay interest on unauthorized liquidated investment, saving accounts and checking account. Now the US Bank is harassing me daily calling me to make payments on credit card, interests on overdraft. The US Bank has a responsibility to protect client 's money and the aforementioned happened under their watch and negligence. The US bank supposed to protect the consumer but they failed. | ||||||
| 07/25/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX we bought and titled a boat in XXXX. In XX/XX/XXXX my husbands job moved us to XXXX. We titled all of our vehicles in XXXX immediately and have been attempting to title our boat for four months. In that time I have spent hours on the phone with US Bank. In every state we have been to, the state TAX ASSESSORS titles all vehicles including boats. In XXXX it is a DIFFERENT agency called thXXXX XXXXa Department of Natural Resources. It is all online. The required documents are the same, a bill of sale, the current registration and a copy of the title. My initial 10 or so calls to US bank speaking to " bankers '' I was told the title was being ordered, it was on the way, it takes 2 weeks. We waited and waited. We called and called and we were yelled at, hung up on, told they did not have the title, it was in Florida, and finally they said they were not sending the title, period. I then received a letter from US Bank saying they wanted a letter of request from XXXX. I called the Department of Natural Resources and they said they don't do letters. I called US BANK again. I was told by a supervisor that the letter of request could come from me. I sent a letter, and the email from the XXXX office saying they needed the title, which should suffice as a request from them. They did not respond. I called again, multiple calls, and they said they don't know who this supervisor is that told me the request could come from me, and again they were not sending a copy of the title, period. They said the only way they would do it is if Georgia sends a request. They said they get requests all the time. Yes for cars from the TAX ASSESSOR, but this is a different entity! It is not the Tax assessors office! I know what they are talking about. When we registered our car, also financed with US bank, we took in our insurance, previous XXXX registration, and we got a license plate. The tax assessor then requested the title from US bank to perfect the lien in XXXX. So when they say we get requests all the time, yes for vehicles from the tax assessor. This is not the same office! We have a boat, financed through US Bank, that we are paying for every month, on time, unregistered. I have never been through anything like this. We have been married for 30 years, bought and sold numerous cars, boats, etc., and unfortunately moved a lot for my husbands job. Five states so far. We pay all of our bills on time, follow the letter of the law, and this is the worst agency we have ever dealt with. We are working on refinancing the boat with someone else, cancelling other accounts to get away from them, but that will not solve the registration issue. This stand off is ridiculous and the only ones that can stop holding this registration XXXX is US Bank. I am attaching the letter of request from me that I was told by a supervisor would suffice. The email from the XXXX Dept. of Natural Resources saying they need a copy of the title which is also a request. The letter from US Bank saying they received a request but they need a letter of request. And lastly our loan statement. The account is current with the worst bank in existence. | ||||||
| 08/28/2016 | Yes |
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| I have a prepaid XXXX card through XXXX XXXX. I bought a product at XXXX XXXX. I loaded more money onto my prepaid card. I returned the product to XXXX XXXX because I needed to replace my refrigerator. I was denied the ability to purchase the XXXX $ refrigerator because my funds were frozen for 72 hours due to the returned merchandise. My balance per the phone line was over XXXX $ the returned merchandise was XXXX $ and yet the denied my XXXX $ purchase. I began an absolutely infuriating attempt to discuss the situation with Customer Service and have spent hours upon hours trying to identify who " handles '' the money flow for the XXXX XXXX Prepaid XXXX card. XXXX XXXX says it has nothing to do with the card. XXXX says they have nothing to do with the card. US Bank says they have nothing to do with the card. Customer Service says they only supply the card but do n't manage the money flow. Customer service also refuses to allow a caller to speak to a supervisor, refuses to identify their company name, refuses to provide an address to file complaint with. And in the end if you work at it long enough they finally offer to open a " dispute '' escalation ticket on your behalf with an assurance that someone will call you right back, which then becomes Within 24 hours and then with in 72 hours. They also presented a moving target on the actual reason for the hold, first saying the specific company was blocked and then when I attempted to make a purchase at another lumber store, was told it was the type of retailer, so then I went to a bank and was denied and they said no, it was my card that was blocked. But, pardon my diversion, back to the " escalation '' process which promised a call back from a " dispute resolution specialist '' who actually never called back until nearly XXXX weeks later within hours of me calling XXXX XXXX to express my frustration. My complaint/biggest concern is that this is not the banks money being advanced to me on credit, this is my money, placed on a prepaid card so that I can take advantage of electronic purchasing and manage my finances on line. Banking is a nearly instantaneous activity these days and customer service folks routinely fix issues immediately. But in this case not only is customer service a sham, but they are placing holds on money that is n't even in play. I would not have appreciated the hold being place on the returned merchandise that I bought and returned to the exact same place with the same prepaid card but I would have understood it 's policy and accepted it. However they blocked the entire XXXX $ plus that I had deposited on the card and prevented me from having any money or access to money for 3 days over a weekend when banks are closed as well. I believe that is nothing short of theft by fraud. And if and when I am ever able to get a straight answer about whose policy was acted upon, by whom, and under whose responsibility the money transactions on Prepaid XXXX Cards are conducted, I will likely file a small claim for the theft and value of the refrigerator I was unable to buy because all of my funds were frozen, not just the value of the returned item. | ||||||
| 11/15/2017 | Yes |
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| XXXX XXXX, XXXX entered into a contract with XXXX XXXX XXXX and her bank U.S. Bank. XXXX XXXX 's home sustained flood damage in which her insurance company paid for the repairs and the funds were held by her mortgage company U.S. Bank in their Loss Draft Department to be disbursed to the contractor of record " XXXX XXXX ''. XXXX XXXX relinquished all rights to the funds so that U.S. Bank 's Loss Draft Department could pay the contractor directly and signed a direct pay, work authorization and authority to discuss all matters of the loss with U.S. Bank. XXXX XXXX then provided all required documents, Lien waivers and contracts to the Loss Draft Department of U.S. Bank and was approved as the Contractor of record. U.S. Bank released a first draw payable only to XXXX XXXX to start the repairs on X/XX/2017 in the amount of {$40000.00}. Following an inspection by U.S. Bank another draw was released payable only to XXXX XXXX in the amount of {$31000.00} on X/XX/2017. According to U.S. Bank a contractor can request a final inspection when 100 % of the structural and 90 % of non-structural are completed. At that point XXXX XXXX requested a final inspection in which U.S. Bank approved 95 % complete and issued a check in the amount of {$22000.00}. We confirmed the Loss Draft Department of U.S. Bank had issued a check made payable only to XXXX XXXX and that the check was mailed. XXXX XXXX received the check as did with the others but instead of contacting XXXX to pick up the check XXXX XXXX noticed a " note '' on the bottom of a letter from U.S. Bank that was attached to our check that stated ; " Contractor ( s ) can be removed from disbursements checks if paid receipt ( s ) are " RECEIVED and VERIFIED '' She then contacted the Loss Draft Department of U.S. Bank and stated that she had paid XXXX XXXX in full and requested the the check be re-issued to her alone. U.S. Bank took XXXX XXXX 's word and a copy of a {$7500.00} check that she had paid to XXXX for the gutting of her home and without doing there due-diligence and VERIFYING with XXXX XXXX that this information was accurate and correct and that XXXX was paid in Full they re-issued the check to XXXX XXXX XXXX. After a week had passed and no check was received we contacted U.S. Banks Loss Draft Department and we were informed what they had done, After two days of conversations with the supervisor of the Loss Draft Department of U.S. Bank, we were told they consulted with there legal department and that although they understood that we had not paid in full by XXXX XXXX, and that U.S. Bank was still in possession of {$9200.00} of the insurance proceeds, there was nothing they could do. Then they informed us that they were releasing the remaining balance and they would make sure XXXX 's name was on the check along with XXXX XXXX XXXX 's name. They then stated that they would send the check out immediately and that once that was done they would no longer speak with XXXX XXXX. That is exactly what they did! Please find attached all of the documents that were signed by XXXX XXXX and sent to U.S. Bank along with the letter stating that a contractor can be removed. | ||||||
| 06/07/2016 | Yes |
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| I was offered a refi on my Audi Q5 when stopping by my local branch of US Bank. The terms were favorable, so I filed out an application. Everything was approved on XXXX/XXXX/16, XXXX XXXX was paid off, and US Bank assumed my auto loan - a 3 year term at 2.33 % APR. I then received a letter from US Bank National Association disclosing the FICO score they 'd used in determining my rate. I was shocked - they listed a score from XXXX of XXXX. I immediately pulled my credit from XXXX, paying for the full report, and sure enough they had it listed as XXXX. That 's a XXXX point discrepancy. Alarmed, and concerned some error might be replicated for other consumers ( and grossly in US Bank 's favor I might add ) I emailed my banker. About a week later I received a letter dated XXXX XXXX from XXXX XXXX, XXXX Consultant, XXXX, US Bank NA. The letter was essentially a form letter that was standoffish, patronizing, and evasive. In it XXXX XXXX states that I should contact " XXXX '' as to the discrepancy, basically alleging US Bank has no control over the scores they " obtain ''. She included no contact information for followup or redress. I called customer service, got her number, and left her a message. Then my Banker emailed me later the next day noting that XXXX had contacted him and that, since she was not in a " customer facing role '', I should direct my inquiries through him. This is bizarre - why would a direct lending specialist who wrote me a letter not be in a " customer facing role ''? Then why write the damned letter? Nonetheless, US Bank maintains the error is with the credit reporting agency - XXXX ( even though they both wrote XXXX ). This seems incredibly unlikely since they use an API to populate the particular field in their lending software. That 's how they compute the rates and eligibility. I doubt very much that my credit could have jumped XXXX points in 5 days. And I doubt very much that XXXX is actually at fault. I believe that US Bank is *evading the question*, is *willfully negligent*, and is *abusing credit reporting laws* applicable to govern banks and protect consumers, effectively rent-seeking. It is incumbent on any lender to access and report accurate information. Since XXXX has the correct score I fail to see how US Bank could have been " given '' the wrong score associated with my SSN? US Bank 's incompetent and evasive response is also troubling. It irritates me that a direct lending specialist would write me a redundant form letter ( devised to distance me from resolution ) and then claim not to be in a " customer facing role '' - whatever XXXX that is supposed to mean. I also find the letter she sent patronizing and, frankly, XXXX. It reads like it is written to a 2 year old. It essentially explains what the credit reporting agencies are ( really? ), and then provides a number to contact the wrong one - XXXX. She signed it by hand, but did't bother to include a return address or contact number. Personally I do n't like being treated like an XXXX, and I do n't like being patronized by a facile institution which is clearly acting, at best, negligently or, at worst, criminally. | ||||||
| 12/28/2018 | Yes |
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| I have filed three complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information about my XXXX XXXX XXXX # XXXX to my daughter XXXX. XXXX is NOT a co-signer on any of my business or personal accounts and is NOT A CO-SIGNER on my XXXX XXXX XXXX # XXXX and does NOT have the right to know my personal information. I am filing a 4th complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act with regards to XXXX XXXX XXXX # XXXX. This is NOT in regards to account ending in XXXX. XXXX XXXX..please respond to the fact that US BANK gave out information about my XXXX XXXX XXXX ACCOUNT to my daughter XXXX XXXX who is NOT A SIGNER on the XXXX XXXX XXXX # XXXX. I, XXXX XXXX, am ONLY a co-signer with XXXX XXXX on the student checking account ending in XXXX. XXXX XXXX is NOT a signer on my XXXX XXXX XXXX # XXXX. In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality about my XXXX XXXX XXXX # XXXX and wont even address my complaint with the CFPB. XXXX XXXX is NOT A CO-SIGNER on my XXXX XXXX XXXX # XXXX. THIS ACCOUNT IS MY PRIVATE BUSINESS. I AGREE that US BANK had the right to take the {$630.00} from the account ending in XXXX to pay for the XXXX XXXX XXXX # XXXX. However, US BANK is in strict VIOLATION OF THE FAIR CREDIT REPORTING ACT BY TELLING XXXX XXXX ( not a signer on the XXXX XXXX XXXX # XXXX. ) my PRIVATE INFORMATION ABOUT my personal XXXX XXXX XXXX # XXXX. This was PRIVATE INFORMATION. On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS BEHIND ON HER BILLS '', and " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS '' XXXX from US BANK DIVULGED INFORMATION about my XXXX XXXX XXXX account # XXXX to my daughter XXXX XXXX, WHO IS NOT A SIGNER ON THE ACCOUNT and has NOTHING TO DO WITH THIS XXXX XXXX XXXX ACCOUNT. ****XXXX VIOLATED MY PRIVACY RIGHTS***** This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted XXXX. I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information of my XXXX XXXX XXXX # XXXX to a non-signer, XXXX XXXX. XXXX filed a formal complaint for me. XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK for telling my daughter XXXX, who is NOT a signer on my XXXX XXXX XXXX # XXXX. Thank you. | ||||||
| 04/12/2022 | Yes |
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| Since my XXXX was removed from foreclosure in XX/XX/XXXX, US Bank information re : the LOC account has been flawed with errors. I have written numerous requests to the executive team and others to clarify account foreclosure claims provided by their customer advocacy team and Loss Mitigation mgr. To date, my loss mitigation application which I submitted several times because USBank was not receiving them. In XXXX, the complete loss mitigation application was in the bank 's hands & expected to take 30 days to be completed. I'm still have not received an answer to my application which is nows in " underwriting reviewing '' per the US Bank system. XX/XX/XXXX is the date the application expires if a decision is not rendered. I contacted US Bank on XX/XX/XXXX to modify my 2nd mortgage, however recent events give me serious concern they intend to foreclose on my LOC. The indications of this are a recorded Substitution of Trustee ( no notice given to me ) and no response from the US Bank mgr. who was my point of contact. In recent calls with her, she has been evasive about the decision on the loss mitigation application and the follow-up on the claims of foreclosure. When I brought up removing the mysterious foreclosure, she brought up a XX/XX/XXXX foreclosure which was canceled. I informed her that the XX/XX/XXXX foreclosure was canceled. She claimed to not know anything about that. Though she was concerned if I had a letter stating that USBank pulled the LOC from foreclosure. In XX/XX/XXXX, US Bank started foreclosure on this loan. I requested US Bank to Cease & Desist the foreclosure because I received no notification due to a glitch in their system. US Bank affirmed my request and removed the recorded XXXX and began the loss mitigation process. That process did not finalize before XXXX. After the forbearance period, I had a # of loss mitigation applications never reached US Bank misplaced when mailed, faxed or uploaded. US Bank could not explain the lapse and reminded them about the previous system glitch. My loss mitigation application was finally received and processed on XX/XX/XXXX. A US Bank rep called to let me know there was a problem with my because it had an electronic signature. I immediately sent the app in w/ my authentic signature. Later I got a letter saying the application was closed because it lacked an original signature. Again, it took several requests to get the new loss mitigation application as well as a reinstatement request. In XX/XX/XXXX, I emailed the executive team to request their assistance in getting someone to follow through on modifying the LOC. I also escalated a complaint about the erroneous foreclosure from XX/XX/XXXX. To date, no one has responded to my request for information on the foreclosure. At this point, US Bank has recorded a substitution of trustee, my point of contact has not responded to my phone calls or emails in over a week and the file according to Loss Mitigation shows underwriting is reviewing. If my conclusions are correct, US Bank in my opinion has not proceeded in good faith. I enlist your help to continue the Loss Mitigation process with US Bank. | ||||||
| 03/17/2023 | Yes |
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| We have been working with US Bank for XXXX months to prepare for the closing on our new built home. Today XX/XX/17 should be a day of celebration but instead US Bank dropped the ball, didnt collect our documents in a timely manner, and did not send us our ECD until Wednesday which pushed back our signing title to Monday. Not only are we not closing on time but our rate lock expired today also. They informed us we now would have to pay XXXX XXXXXXXX {$30000.00} to buy back down our rate when this whole situation is their fault. As inexperienced home buyers, we feel extremely frustrated and taken advantage of. Here is a timeline of the last month of events per our emails with our mortgage loan office for your review : Monday XX/XX/XXXX I reach out and say 38 days till close and asked if they needed anything from us- XXXX sent us a list of docs they wanted XX/XX/XXXX XXXX sent them all docs. XX/XX/XXXX XXXX replies to that email a week later saying he was out of the country sorry for the delay just getting caught up with 4 items we need. XX/XX/XXXX XXXX responds she needs to rerun credit XX/XX/XXXX We respond ok to rerun credit Friday XX/XX/XXXX XXXX says Hey, We have the new application going these are the updated items we need to get underwriting Sunday XX/XX/XXXX I start working on the docs by emailing our accountant and signing disclosures. I notice the loan estimate is completely off. I emailed XXXX to go over the loan estimate. Monday XX/XX/XXXX XXXX responds he is traveling and will call me later. Sends me an updated loan estimate at XXXX After XXXX calls me and goes over the loan estimate. I go in and sign and acknowledge initial disclosure in our portal. Wednesday XX/XX/XXXX I email saying I'm working on getting these docs. W2 had to come from XXXX tax accountant and final sale from our realtor for the last house. Thursday XX/XX/XXXX ( one week before close ) XXXX XXXX said please send these items as soon as possible as the underwriter need these to review XXXXI send final settlement & XXXX & XXXX XXXX responds we still need these items below, also really need these items asap at this point we are risking not closing on the XXXX '' -I send remaining items Friday XXXX XXXX XXXX responds thank you Monday XX/XX/XXXX XXXX I email that it is closing week and ask for update loan estimate XXXX XXXX emails back at that he is traveling but we got final approval and we need ECD by tomorrow to close Friday XXXX XXXX said we got approval and XXXX final things we need Tuesday XX/XX/XXXX XXXX I sent last XXXX remaining items XXXX XXXX says the requested ECD to be sent today and that after that there is a 4 day waiting period till we can sign Friday ( first time we ever heard about the waiting period for ECD ) XXXX I ask for clarification because we thought wed sign Thursday morning and if this would delay our keys Friday XXXX replies quickly that the best case is signing Friday since the ECD hasnt gone out yet. Waiting on processing to get sent -I reply we do want to push for signing Friday because till said if we dont sign Friday we wont get keys until monday Wednesday Acknowledged ECD XXXX | ||||||
| 03/13/2018 | Yes |
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| On XX/XX/XXXX XXXX I used a USBank atm outside their branch to deposit {$900.00} cash and I received an Error message and receipt with a phone number, claim number and information on how to file a dispute. I called the number on the receipt to file a dispute the same day at XXXX, I was on the phone for XXXX minutes XXXX seconds. The agent that was helping me out said that since it had recently just happened I would have to wait until the next business day to find out if the money will be in my account. Since it was XXXX 's day weekend I would have to wait to call back on Tuesday if the money was not in the account. I waited until Tuesday XX/XX/XXXX, called back at XXXX since the money was not in my account. I spoke to a different agent for XXXX minutes and XXXX seconds who verified who I was and stated that it was weird that the first guy didn't just go ahead and start a dispute for me. He asked for the SUS number that they use to look up claims and said that he would start a claim for me and asked me to wait XXXX business days while they investigate and see what happens. On XX/XX/XXXX, tired of waiting my money to be deposited back on my account I called back, spent XXXX minutes and XXXX seconds on the phone only to be told that the dispute was never filed and that it is already late and going to be more difficult to find out what happened. I was told that it was XXXX of me to not go into the bank every morning to see if the ATM regulators, that are not part of US Bancorp, have found my money. I was then told to go back to the branch where I used the ATM and ask to speak to someone in person. I walked on over and and spent another hour while XXXX in the XXXX XXXX Branch helped me out. They had finally filed a dispute for me. They kept asking if I deposited the {$900.00} cash in an envelope which I said no, their ATM 's outside do not take money in envelopes, which she should know. I was told that I would have to wait up to 45 business days while they investigate and that since I do not know the exact denominations that were deposited that it would be difficult and a chance that I would not get my money back. On XX/XX/XXXX I called back to check, I spent XXXX XXXX seconds on the phone only to be told that my dispute was already settled and that they have found no money and I would not be getting anything back. I was told that I was sent mail explaining why I lost the dispute and that it most likely got lost in the mail since I had never received anything. I filed another dispute to investigate what was going on and why they dismissed my dispute. I do not feel like they did their best to investigate especially since they said it would take up to XXXX business days and I received no mail, email or call. I asked to please be called as soon as they are done with their investigation this time and was told that it is not possible, it is against their policy to do anything but mail the information. The information that I never received in the first place because " it was most likely lost in the mail ''. I know have to wait until they decide their verdict and hopefully receive information this time. | ||||||
| 08/02/2023 | Yes |
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| I opened a new personal checking account online with US Bank on XX/XX/2023 and transferred {$15000.00} internally from another of my checking accounts with US Bank to fund the account ( same day ). On XXXX I realized that I needed to move {$5000.00} back to the account where the {$15000.00} came from in order to cover a payment my spouse made to our credit card, so I went online and attempted to make the transfer when I received an " our system is not cooperating '' error. I next signed into the mobile application and attempted to make the same transfer and received a similar error. After receiving the 2nd error I dialed the customer serviced department to request help with the transfer. The 1st phone bank representative hung up on me after waiting on hold for 18 minutes so I called back and spoke with another representative who informed me that my account had a hold which they would need a supervisor to remove, I was then placed on hold and after 16 minutes was disconnected/hung up on. I then called in for a 3rd time and spoke with a representative and explained the situation, she also put me on hold and then tried to transfer me to the fraud department to see if they could help remove the hold. That agent attempted to remove the hold and also hung up on me after many minutes on hold. I then dialed the fraud department directly and explained the situation and was placed back on hold for over 20 minutes, the representative came back on the line and informed me the hold would be removed the following day, I request to escalate to a supervisor in an effort to get access to my funds same day ( still no explanation of why a hold was placed ) and the representative again hung up on me. On my final attempt and 5th call I was helped after a 24 minute hold. I then asked to speak with a supervisor regarding my poor treatment and wasted time and was told " no supervisor was available ''. I then asked to be connected to a peer of the representative 's supervisor and was told that is not an option and was hung up on. To be clear, I never raised my voice nor did I become agitated. I calmly asked for help and expressed my frustrations over being disconnected repeatedly. My complaints are 4 fold : 1 ) Why was there an account hold put on my funds ( internal transfer from my own account which I could not get access to ) and why wasnt I made aware of a hold being placed and not being granted access to my funds ( which were from an internal US Bank transfer )? 2 ) Why was no one able to help me ( 5 attempts of me calling in ) find a solution in a timely fashion? And why did no one attempt to call me back after disconnecting my call? 3 ) Why were representatives hanging up on my repeatedly? How is that an appropriate approach to resolving a client issue? 4 ) Why was my request to speak to a supervisor to express my dissatisfaction with the above complaints was I told " that is not an option '' and no other supervisors are available? And was then hung up on. I would be 100 % supportive of the inbound calls I made to be reviewed by a CFPB representative to corroborate my story. Thank you, XXXX XXXX XXXX XXXX | ||||||
| 11/16/2021 | Yes |
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| Back on XXXX XXXX our loan modification was completed and filed ( attached ). We were having difficult times financially that led us to contact our lender for help with options. I was told about loss mitigation which would move our missing payments to the end of the loan. At the time to even qualify for loss mitigation we needed to be current which we were. We had to go delinquent to qualify for loss mitigation with only the goal to try and bring down the mortgage payment. We went delinquent for 3 months as required and then started our new trial payments. We missed no payments other than those to qualify. I believe I was mislead on the impact of what this process would do and what the $ XXXX was for on the deed of trust partial claim. Our mortgage when all said and down went down only around {$60.00} a month. The loan modification/loss mitigation process would essentially cost us $ XXXX for ultimately no real benefit. The amount was deceptively misrepresented and predetermined and not reflective of the situation we were in at the time which was only delinquent for 3 months to try and get the lower mortgage. We were never near foreclosure or not paying during these times. Now fast forward to XX/XX/XXXX we are selling and 2 days away from closing and see that we owe $ XXXX to HUD for a partial claim when we never needed any help close to this amount. At a minimum we would have expected 3 months worth of payments to be moved to the back of the loan ( $ XXXX ) and understood from the representative this $ XXXX number to be a max allowed to cover us if we did go deep into the need which again was never the case. Im essence 3 months of payments cost $ XXXX. There is again no mention of how this number was determined or why or the timeframe of consideration or current amounts due. I feel we were deceived snd mislead. Had I been told the full ramifications and impact that these minimal savings a month would cost us $ XXXX at any given time over the course of my loan I would never have done it. We are now one day from closing and have no choice but to proceed. Sadly I first received a letter from XXXX claiming to be our new serviced I assumed this was fraudulent as US Bank never notified us of anything. Then I received the same letter from ISN less than a week letter confirming in my mind the letter was a scam. When logging into my US Bank account for the past few years I see no mention anywhere of a second mortgage. Theres no indication of a second mortgage anywhere including my credit reports. Our investment in our home has essentially been stolen from us by US Bank in the way this was prepared and communicated. Our lifes financial investment gone in what we thought would be a our first real shot at a nest egg. We get very little. I hope that your offices can help us recover wherever we can after the fact. We close tomorrow with no other recourse as US Bank is claiming this is accurate but does not reflect an amount or time factor that was even close to our situation. Please help if possible. We have been stolen from. Thank you in advance for anything you can do. More details available if needed. | ||||||
| 09/29/2016 | Yes |
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| I went online on XXXX XXXX to pay my mortgage with US Bank and discovered that there was a {$78.00} insufficient funds notation in XXXX of my XXXX accounts. This was alarming because I never pay debts out of this account -- it is only used to deposit money from sales made on XXXX. It is also used as a backup account if my main account is low on funds, but I do not keep money in this account unless items have been sold. When I contacted the bank for an explanation, I was told that it was a deduction made by XXXX. I do quite a lot of business through XXXX, but only through my main account. They referred me to XXXX for an explanation. When I called XXXX, they told me that their records showed absolutely no transaction through this account. I called US Bank back and told them what XXXX had said. Then I was told that I could file a complaint and that I would be sent a form to fill out and the bank would investigate. I waited for more than a week and no form came. Upon calling the bank yet again, I was opening my mail at the same instant and discovered a letter from the bank informing me that my complaint had been investigated and that my file had been closed because I had authorized the charge. I informed the representative that I was speaking with that this was not true, that I had never received a complaint form to complete, and this was not an appropriate " investigation '' without consulting me regarding XXXX claim ; the " investigator '' had apparently accepted the word of XXXX without any proof that the charge was legitimate. The letter also said that I could request a copy of the documentation used to make this determination, but was told that there was none available. Of course, I was furious and incredulous at the same time! I was then informed that if she tried to escalate the complaint, it would merely be kicked back noting that the file had been closed and the charge was legitimate. She suggested that I go to my local branch and have them escalate the complaint for me. From my initial conversation with my local branch, I was referred to the national number for the bank for resolution, leading me to believe that they could not or would not help me. The individual that I spoke with at the national number had told me that she could see that this type of fee had been charged to several of their customers apparently erroneously, as there had been no purchase of goods or services involved, but nothing had been done about it, and the notation as to its origin was unexplained. This appears to be fraudulent in nature if XXXX is indeed charging customers fees that are not genuine or owed, without even informing the charged customer. In addition, the bank is not processing complaints about these instances and is instead taking XXXX word that the charges. are owed. I think both parties are at best negligent in their behavior and at worst, committing fraud on the part of XXXX, and collusion on the part of the bank. I want a full and complete explanation for this charge to my account ; it was not authorized. If it is indeed erroneous, I want the bank to reverse the charges and make my account whole again. | ||||||
| 03/15/2022 | Yes |
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| On XX/XX/XXXX, I executed a vehicle trade agreement with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NC. I traded in a XXXX XXXX XXXX for a new XXXX XXXX XXXX. XXXX agreed to payoff the existing lease that I had on the XXXX XXXX XXXX through US Bank as part of the transaction. A new lease was established with another lender for the XXXX XXXX XXXX. On XX/XX/XXXX I noticed that the auto-payment for the XXXX XXXX was deducted from my checking account by US Bank XXXX I assumed that there might just be a delay in processing the payoff. On XX/XX/XXXX, I checked the US Bank website and noticed that they account was still open and active. I called US Bank to inquire about this and was informed that a check had been received but not yet been credited to my account. US Bank stated that there were " missing documents '' and that there was a " discrepancy '' in the payoff amount. I asked for more detail regarding the missing documents and the payoff discrepancy and the agent was unable to provide. The agent promised to follow-up on my questions and return my call with more information. When I did not hear back, I called US Bank again on XX/XX/XXXX. Again- the agent I spoke with was unable to provide specific details regarding the issues preventing US Bank from applying the check they had received to my account. Again, the agent promised to follow-up on my behalf and return my call with more information. On XX/XX/XXXX I had still not received any follow-up communication. I called US Bank again - this time spending 59 minutes on the call - being transferred through various departments. I spoke with 4 employees that evening - none of whom could tell me what was preventing US Bank from applying the check that had been received to pay off my account. I was advised that I needed to continue making payments on the lease - the next payment due on XX/XX/XXXX. I was further advised that the dealership needed to call US Bank to be told what the outstanding issues were. On XX/XX/XXXX I contacted the Finance Manager at XXXX XXXX. XXXX, the Finance Manager, assured me that everything had been submitted appropriately - but that he would again, on that day, resubmit all of the requirement paperwork by fax to US Bank. On XX/XX/XXXX I contacted US Bank again to determine if the account had been closed. I was informed that there were still issues with " missing paperwork '' and a " discrepancy '' in the payoff amount and that the dealer needed to contact US Bank for more information. On XX/XX/XXXX I contacted XXXX XXXX and left a voicemail with XXXX, the Finance Manager, to notify him of my concern that the issue has not been resolved. As of the time of this complaint, I have not received a response from XXXX. My XXXX, XXXX lease payment to US Bank is now 3 days past due. I can not afford to continue making monthly payments to US Bank for a vehicle that I am no longer in possession of. I am unclear who is ultimately responsible at this point - XXXX or US Bank.. but I know for sure that it should not be me who is responsible as I have an executed agreement with XXXX agreeing to payoff the XXXX vehicle. Please help!! | ||||||
| 01/02/2018 | Yes |
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| Starts with our XXXX wedding anniversary dinner XXXX for {$280.00} for dinner for 4 people. To my surprise, my credit card ( " cc '' ) bill showed two lines for {$280.00} each, so total of {$560.00}. I called my cc company, XXXX XXXX, and they kindly reversed the duplicate, but XXXX disputed, so XXXX then later re-charged my card. XXXX insists they charged me once. XXXX XXXX said they ca n't do anything now because I passed the 60 day dispute reporting deadline to report an issue, however, the duplicate charge was on XX/XX/XXXX, and I reported it on XX/XX/XXXX, which is less then 60 days. Background support : XXXX insists they correctly charged me for only one ( email trail with XXXX customer support ), and my XXXX account online shows I purchased one, and XXXX sent me a confirming email for just the one. So, why did they dispute it? They could n't explain it. XXXX told me to talk to my cc - that my cc company is at fault. But, my cc bill clearly was charged twice. The CC said, XXXX disputed the initial reversal, so XXXX must resolve. After several go-arounds and getting nowhere, a different cc agent told me to send all support, including a copy of the email trail, and copy of my XXXX account showing XXXX customer service agreed, that I only bought one, and that I should have only been charged once - he said it 's an iron-clad case, the cc company will return the {$280.00}. So, I prepared all the copies, wrote a letter explaining the situation, then the original CC agent, XXXX, sent me a letter and said some kind of deadline had passed, so he 's closed the case. I am about to pull my hair out. I called the cc agent twice, and asked him to call me, to discuss, and cc agent will not call me back. I have now engaged with XXXX XXXX group that is helping me to resolve the issue. Timeline Summary : 1 ) XX/XX/XXXX Ordered XXXX {$280.00} dinner for 4 people. 2 ) XX/XX/XXXX CC Statement shows two lines for $ XXXX/each ( total {$560.00} ) 3 ) XX/XX/XXXX XXXX called CC company they said they would reverse the duplicate charge {$280.00} 4 ) XX/XX/XXXX CC letter, dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX Rep, states XXXX disputed and provided two orders one at XXXX and 2nd order at XXXX PST, so they will charge my card again for the {$280.00} duplicate. 5 ) XX/XX/XXXX calls and email trail with XXXX to resolve the issue, XXXX customer service, XXXX XXXX, insists I was charged once, and that it is a bank issue. 6 ) XX/XX/XXXX I try to call XXXX, and I leave a message. 7 ) XX/XX/XXXX I try to call XXXX again, and I talk to another rep, and he said this is a no-brainer, just provide copies of all the support and send it all in with a cover letter to XXXX. 8 ) XX/XX/XXXX I send a letter to XXXX at the CC company with copies of everything. 9 ) XX/XX/XXXX Letter dated XX/XX/XXXX from XXXX, XXXX XX/XX/XXXX rep, that states, the information you are now supplying is beyond the timeframe to assist you, and they will re-charge my card. 10 ) XX/XX/XXXX Call to cc company, XXXX, and leave another message. 11 ) XX/XX/XXXX Call to XXXX and leave another message 12 ) XX/XX/XXXX Write letter to XXXX XXXX | ||||||
| 02/21/2020 | Yes |
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| I had just got home from work on Friday afternoon XX/XX/2020 when I checked my online checking bank account at U.S. Bank to find that there were three charges that I did not make, two on XX/XX/2020 and one charge made on XX/XX/2020, that had just processed out of my account. As soon as I saw these charges on my account I immediately called U.S. Bank fraud department, immediately cancelled and deactivated the current card in which these unknown transactions took place and instantly was reissued a new debit card and new PIN. I will also state that at no point in time was my debit card or account linked to these purchases lost or stolen at any point. I physically had my debit card with me on both XX/XX/2020 and XX/XX/2020 as well as every day prior. I will attach my Estatement from U.S. Bank with the three charges. One debit purchase charge made on XX/XX/2020 was for XXXX # XXXX XXXX XXXX XXXX XXXX CA for {$400.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$180.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$200.00}. Attached are the serial Numbers and as well as purchase numbers. I currently have two jobs and have documentation ( two time cards ) stating I was working both jobs from morning until night on XX/XX/2020 and as well as I was working the morning/afternoon on XX/XX/2020. I will also attach two letters from Cardmember Services from U.S. Bank stating an issue of provisional credit as well as the letter stating a denial of said provisional credit. In these letters there are times stated for each of the amounts taken out. The {$400.00} charge was charged at XXXX XXXX on XX/XX/2020. I have cameras at the current apartment I live at. I will be willing to get security footage of being home from work before XXXX XXXX and not leaving my apartment until the early morning ( around XXXX XXXX ) on XX/XX/2020. The times stated for the two ATM WITHDRAWALS on XX/XX/2020 are XXXX XXXX and XXXX XXXX. I have documentation that I am willing to obtain stating that I was working from roughly XXXX XXXX until XXXX XXXX on XX/XX/2020. I will also attach the documentation from U.S. Bank with the provisional credit that was credited back into my account the PIN CLAIM APPROVED amount of {$780.00} on XX/XX/2020 and what day and time that transaction went through as well as the documentation of the date and time they took out the provisional credit once my claim was denied. Along with U.S. Bank taking out {$780.00} as a Miscellaneous Adjustment Debit on XX/XX/2020 they had also charged my account two {$36.00} charges on XX/XX/2020 that I would like to dispute. I did not make these three transactions stated above. I have documentation stating this was not me. I have never given out my PIN number, account number, card number, or any personal information regarding to myself or any of my banking accounts. I would like to dispute and file a complaint on U.S. Bank as they are accusing me of fraud that I did not partake in. I have also filed a local police report for fraud taken place in the amount of {$780.00} as well as {$72.00} from U.S. Bank. | ||||||
| 08/22/2019 | Yes |
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| My credit unions credit card provider merged vendors in XX/XX/XXXX. As a result all of the credit unions grandfathered XXXX cardholders would be issued a new credit card from ELAN FINANCIAL. I had been a loyal XXXX cardmember since XXXX. My account remained in good standing over the years as I utilized both their electronic statement notices as well as their automatic payments. On XX/XX/XXXX I noticed my XXXX auto-pay had not posted my checking account. Since it usually does on the XXXX, I called XXXX concerned. They cold transferred me to ELAN FINANCIAL and it was then I was informed by an ELAN rep of the merger. ELAN informed me my old XXXX card was closed in XX/XX/XXXX. My online account access, electronic statements and any associated auto-pay ceased as well. Not once did ELAN send me notice, either written or electronic, prior to the closure and opening of my XXXX and ELAN cards, respectfully. After speaking to credit union to verify this merger wasnt a scam, I called ELAN back on ( XX/XX/XXXX ) and asked to set up my online account, make a payment and create a new auto-pay. XXXX Rep said I couldnt do that until I received my new card. Thats when I discovered the credit union had given ELAN an old address and the card sent 30 days before was likely lost. ELAN issued a new one to my correct address. Since I didnt feel comfortable giving out my banking info to someone over the phone, I decided to wait to receive the new card ( in 5-7 business days ) and pay it online then. XX/XX/XXXX -23 days later, no replacement card ( ending in XXXX ). I called ELAN and paid more than what normally would have been my monthly minimum due to avoid being reported late. I also requested another replacement card to be overnighted. The card was never ordered by the ELAN rep on XX/XX/XXXX. XX/XX/XXXX I received a credit monitoring notice ELAN had reported me 30 days past due. I called ELAN and had a long conversation with a supervisor explaining everything that had occurred. All of which started as a result of ELANs failure to provide any notice of the merger to begin with. The company caused even further damage by not communicating to card members ( prior to their 1st due date under ELAN ) that both their electronic statement notifications and autopay arrangements had been cancelled. Even an email notice that either service had ceased wouldve given some a chance to rectify it. The supervisor took my XX/XX/XXXXminimum due on XX/XX/XXXX and removed my late fee.She also ordered a third replacement card as I never received the first two ( third card ending in XXXX ). She also agreed I shouldnt be held responsible for the 30 day delinquency reported on my credit report. Especially since I reached out to ELAN ten days after my first missed payment and have proactively been trying to resolve this matter. ELAN couldve avoided all of this by providing proper notice to its card members. ELAN has received numerous complaints for their lack of sufficient notice to card members and the cancelling of autopays resulting in many credit report delinquencies against members who dont have a history of being late. | ||||||
| 03/17/2021 | Yes |
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| To Whom It XXXX Concern : On XX/XX/XXXX, I received what appeared to be order confirmation emails from XXXX stating, " Dear Customer, we would like to inform you that your order has been dispatched. If you did not place this order please call us on our toll free number XXXX XXXX XXXX XXXX XXXX to report this to our fraud protection team. XXXX The name and address of the individuals receiving the XXXX purchases was included along with the arrival date of the packages, which stated " Arriving : Tomorrow ''. ) Your package is being shipped by XXXX XXXX XXXX and the tracking number is % TITLE %. Please note that a signature XXXX not be required for the delivery of the package. '' Total purchase price of the item in the first email equaled {$2400.00} minus the XXXX XXXX applied XXXX {$2000.00}, Pending Payment of {$490.00}. Total purchase price of the second set of items was {$5200.00} minus the XXXX XXXX applied of {$4000.00}, Pending Payment of {$290.00}. The names of the individuals in the XXXX confirmation emails are : XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX no zip code provided XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX At XXXX pm MST I called the number provided in the email to cancel the order. The individual XXXX XXXX accented male ) proceeded to tell me that my XXXX account had been hacked by XXXX individuals. He provided the location of each, and told me that all the hackers would be receiving the items purchased through my XXXX account, so I needed to stay on the line and act fast to cancel all the orders and return the credit used from my XXXX account back in to my account. The male individual proceeded to direct me through a process of installing an application on my phone titled " XXXX : XXXX XXXX ''. Next, he stated that in order to gain back the used credit in my XXXX account I would need to make a " dummy transfer '' from my XXXX account. He stated that this process would zero out my credit debt in XXXX and the orders would be cancelled. Then, he began remotely entering pseudo names of people to transfer money to. I then realized I was being scammed. He extracted {$990.00} + {$500.00} + {$500.00} to " XXXX XXXX '' and {$1000.00} to " XXXX XXXX ''. At XXXX pm MST I hung up and called XXXX XXXX XXXX XXXX Department immediately to report what happened. They filed the claim and began investigating the incident. XXXX XXXX Department closed my checking, savings, and credit card accounts and I opened new accounts. XX/XX/XXXX at XXXX am MST I called my local USBank branch to report the same incident. My local banker also contacted XXXX XXXX XXXX Department, and advised me to wait for the decision of XXXX XXXX to determine if further action was needed. I received letters from XXXX XXXX XXXX XXXX stating that my claim had been denied because XXXX XXXX determined that the transactions had been posted as requested. I have since been in contact with my local banker and XXXX Services who advised me to report this incident to the Federal Trade Commission and the local police department. I have done both. Thank you, in advance for considering my case. Best Regards, XXXX XXXX | ||||||
| 05/21/2020 | Yes |
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| The complaint I am presenting involves U.S. BANK, specifically unsecured credit, which I currently owe as the sole debtor of a U.S. BANK credit card account. The issue with U.S. BANK is that I have no way of paying my credit card bill, which I owe them. Before XX/XX/2020, I had never missed a single payment. Preceding XX/XX/2020, I had made all payments, consecutively, concerning my U.S. BANK credit card account debt via auto-pay ; this payment toward my unsecured credit was executed utilizing my checking account. During XX/XX/2020, I began the process of separation and divorce, which required that I change my personal debit card account number ; this account number was utilized to make my auto-pay payments to U.S. BANK. Needless to say, I was only several days short of my debt remittance, at which point U.S. BANK immediately sent the debt to collections. To cure this discrepancy regarding my, payment details ( specifically the change in my personal checking account card number ), I attempted to access my U.S. BANK online portal account. However, because my U.S. BANK debt had been sent to collections, U.S. BANK removed my ability to access this online portal account. Without access, I next called the U.S. BANK 's customer service phone number ( listed on the back of my U.S. BANK credit card ). The first call I made to this customer service number took a mere twenty minutes to reach the customer service representative. Unfortunately, U.S. BANK 's general customer service department could not fix this account issue as only the U.S. BANK collections department has the ability to assist me with such a problem ; this information is the limited information the general customer service department could provide me. So, kindly, the customer service representative transferred me to collections. I waited on hold for two hours and forty-five minutes to speak with the U.S. BANK collections department, and at the forty-sixth minute, the call cut off. I have repeated this process of calling the U.S. BANK customer service phone number twenty-three times as of today ; this " process '' referring to being transferred to collections, remaining on hold for periods which range from one hour to nearly three hours, only to never speak with a single person from the collections department. At this point, I do not know what to do. All I want is to pay my bill ... and the longer I wait, the more my credit score is damaged, as well as late fees are being added which require more countless hours, I can only assume at this point, of waiting on hold to then explain the reasoning for the necessary late fee removals. Also, I should mention that I have not received a single call from U.S. BANK, nor an email, nor a letter, which would allow me to pay my unsecured debt, which I currently owe as the sole debtor of this U.S. BANK credit account. As far as any contact what so ever from U.S.BANK ... I did receive an email in mid-XX/XX/2020 that my XX/XX/2020 payment did not execute via auto-pay, which was the notification that initiated this process I have relayed. ALL I WANT IS TO PAY MY BILL. PLEASE HELP. | ||||||
| 07/24/2021 | Yes |
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| There is a scam that presents itself as a company called XXXX XXXX aka XXXX XXXX, that uses an app to illegitimately pose as a financial institution for stocks and cryptocurrency and makes unauthorized withdrawals via ACH on people once they know how much is in your bank account. Their illusion of customer service is an automated phone system that goes to email and vice-versa. The XXXX scam took {$1800.00} in cash from my account with multiple unauthorized withdrawals that added up to {$1800.00} total. US Bank was contacted at the fraud department between XXXX to XXXX to do the fraud claim 3 MONTHS AGO. US Bank initially did it wrong and labeled it a " dispute '' because the XXXXr scam uses multiple merchants and tried to send a small amount back wi th one of them to give the illusion of " doing business '' with me to prevent it from being a fraud claim, when no business was ever done and even that small return was unauthorized. I had to then physically go to my local bank to refile the fraud claim, which I did with my local banker who correctly re-added the fraud claims total, found them to be {$1800.00} and resubmitted them by fax from US BANK TO US BANK. We submitted everything CORRECTLY INCLUDING THE POLICE REPORT NUMBER FOR WHEN I MADE THE REPORT AGAINST XXXX THE SAME DAY. This was both submitted to the banker and sent to the US Bank Fraud Liaison Department by fax AND by phone when I called to verify they received this information and they said YES THEY HAVE. Since then they managed to LOSE that information which I had to send AGAIN, along with the copies of email correspondence with the scammer running XXXX that tried to get my new bank account info go defraud me a second time ( which I refused to let happen ). They were able to recover only {$1400.00} of the {$1800.00} that XXXX had stolen and tried to close the case. I said ... thank you for getting the XXXX back but where is the other {$400.00} still missing? They told me they couldn't find the claims that were faxed and on file suddenly and that I'd have to refile AGAIN in XXXX. So I refiled again, and they said they couldn't find it and there is " no way to talk to the fraud department directly and not even US bank employees can reach them half the time ''??? What type of business is this?! When I contacted the XXXX to report them, they magically found an extra claim they said they didn't have for {$100.00}, returned {$100.00} more making it {$1500.00} returned, and tried to close the case AGAIN. And I had to refile the claim AGAIN to recover the remaining {$300.00} which they are saying they can't return and their staff acknowledges it should be but has " no idea why the fraud department is claiming they missed documents they have twice and trying to get out of returning my money in full by repeatedly trying to close the case prematurely ''. I HAVE CALLED AND TALKED TO THESE PEOPLE ON THE PHONE OVER 72 TIMES AND THEY WILL NOT FIX THIS SITUATION. I WENT FROM HAVING XXXX STEALING {$1800.00} FROM ME TO US BANK STEALING {$300.00} FROM ME. Can you please help me get my money returned to me that is owed? | ||||||
| 01/18/2021 | Yes |
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| I had two US Bank Credit Cards ( CCs ) owned by both my husband ( now Ex ) and myself. These CCs were opened online by my Ex, and done without my consent. When I reviewed my credit bureau after separation, I contacted US Bank and inquired as to the debt of the 2 CCs. I was assured the application showed both of our social security # s, so I was also responsible for the debt. I, at that time advised the Customer Service Representative that these cards were opened without my permission. The rep advised me I should talk to their Fraud Department. After talking to the fraud area, they then advised me this was considered a domestic matter and there was nothing USBank could do. In XXXX of 2020, I found out the CCs had become delinquent. I contacted USBank and brought the accounts current, and with that requested the CCs be restricted to no further purchases or advances. The representative assured me at that time there was no further risk of any advances, it would take both me and my Exs permission to access the accounts again. On the XXXX of XX/XX/2020, I contact Customer Service at USBank and requested to payoff both CCs The card ending in XXXX was paid off with a payment of {$2200.00}, with a confirmation # of XXXX, and the card ending in XXXX was paid off in the amount of {$1200.00} with a confirmation # of XXXX. Letter of confirmations attached. I again was assured that due to the CCs being frozen there was no other recourse but to shut them down. And that was the final conversation the cards would be closed. ( Not sure of Date, but after XX/XX/2020 ) My Ex contacted USBank Customer Service and stated the payoffs made to the cards were done in error and he was requesting the funds be given back. The USBank Representative advised my Ex that she could only reimburse the smaller of the two CCs and would not be able to give the minimum payment that was due back, so the amount given was {$1100.00}. The funds were then deposited into my Exs USBank Savings account, ( this information verified by Collection Supervisor XXXX ). The funds were not even credited to the checking account the original funds had come from! I was told when I called and talked to XXXX in the collections area that the only reason this was able to be processed that way was because they were not giving back the full amount. The issues I have : The CCs were restricted, no further action unless there was a consent from both parties owning the accounts to un-restrict. Payoffs for both CCs specifically from my account ending in XXXX, on XX/XX/2020, and a request by me that the USBank Rep notate the file of who paid the CCs off, as my Ex was/is filing bankruptcy and I did not want the payments I made reversed to a chapter XXXX trustee. My Ex contacts USBank, and although the accounts were closed and paid in full, the rep reversed the payment from the closed account, essentially reopening and creating a balance. There never should have been a payment reversal as this account was closed and I made every effort to inform USBank the accounts were opened without my consent. I did not give permission to reopen this Credit Card. | ||||||
| 02/06/2017 | Yes |
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| This complaint is a follow up complaint to XXXX I submitted in early XXXX against US Bank. In XXXX I closed my bank account with US Bank, which was connected to a credit line for overdraft protection. In XXXX of XXXX I was notified through a collection caller that I was past due on payments with US Bank. This was puzzling because the only account I had with US Bank was the XXXX I closed in XXXX. I contacted US Bank that same night and they informed me that from XXXX XXXX somebody had made multiple purchases online for around {$1.00} using my account. This triggered the credit line to kick in as overdraft protection ( because again the account was supposed to be closed in XXXX, so it did not have a balance ). I submitted a fraud claim that night for both the fraud on a checking account ( that should 've been closed in XXXX ) and the balance on the credit line, which was triggered because of the fraud committed. US Bank recommended I make a payment to stop the collection calls to my father 's house. So in early XXXX I made a payment of {$70.00}, a couple days after that US Bank decided to contact the credit bureaus ( only after I made the payment under their recommendation in XXXX ). I am not sure why it took US Bank 11 months to decide and report this to the credit bureaus, or why I did not hear from US Bank until XXXX about these charges. After making several calls to US Bank and visiting a branch office, I contacted CFPB because US Bank was not responding to inquiries around my fraud claim. Once CFPB contacted US Bank, US Bank finally provided me a respond that raised more questions than it provided answers. Thus, I contacted XXXX ( my point of contact ) from US Bank and NEVER heard from her. I left various messages. I then contacted costumer service multiple times a week for two weeks straight, and all they kept saying was somebody will call you within XXXX48 hours, but nobody has. I am frustrated with the time I 've wasted in trying to resolve this issue with US Bank, while US Bank ignores me and continues to report incorrect information to the credit bureaus ( my credit score dropped from a XXXX to a XXXX ). I am infuriated that US Bank has so easily destroyed the years of work I 've put into raising my credit score. CFPB please ask US Bank to : 1. Complete its investigation of my fraud claim ( both to checking account and credit line ), according to their policies they have 90 days from when I submitted my complaint to investigate. I submitted my complaint in XXXX and still have not received a substantive update. 2. Respond to my past and future inquiries about the investigation in a reasonable time frame ( XXXX hours ). 3. Eradicate the charges made to the credit line and any interest that has accrued. 4. Remove the negative reporting to the credit bureaus regarding my credit score. As mentioned, the credit line was triggered by the fraud committed on my checking account ( which again, should 've been closed in XXXX ). 5. Refund me the {$70.00} that I paid to stop the collection calls as recommended by US Bank. 6. Certify that no accounts under my name continue to be open. | ||||||
| 02/21/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2021 I try to make a cash deposit in the amount of total {$1600.00} on to my checking account number XXXX at the us bank atm, the atm machine retrained my card I will attach a pdf copy of the receipt it gave me. Few days ago I have learn the us bank closed my checking account with out of my knowledge or my consent. I then log in online at us bank.com site notice my check wasn't clear and found out later it was deposited accidently in to this account later was too late for us bank have it removed. I made effort of wanted to make the deposit immediately to bring my balance back in to the positive. However due of the family medical emergency my father is dying he is a us XXXX / veteran military personnel and needed my assistance and along with the XXXX administration ( VA ) so I had to take care of my father heath and ensure he is safe. I was busy so then I try of contact us bank later I got a letter from credit card side of the us bank said they're closing my credit card with out my knowledge. I then called us bank and a rude representative said us bank cut tiding with me I was confused and turns out because us bank label the mobile deposit was a fraud. US Bank never call me or talk to me and also I was inform of calling my home banking branch which located over 450 mile away I called and o one answer and looked online said this branch was closed due covid19. I rush called near by branch and was told that the branch manager boss closed my account. Again I never receive any letter contacting me regards this matter with my checking account only letter I got was credit card by the way I was on time with my credit card and also US BANK falsify and gave me a label stated it was a fraud with out talking or of trying contacting me and yet was forced to call the home branch non sense closed during covid19 the manger boss of the branch or branch manager was being unfair and yet closed my account knowing it was an accidental deposited on mobile deposit, On XX/XX/2021 I finally had some and little available time to travel to the us bank near by and today my intention was to make the cash deposit {$1600.00} but us bank refused and declined my deposited and won't allow me to insert cash deposit and yet taken away my debit card on a sunday knowing there isn't any of us bank branch open near me or in my state it is clearly us bank has made a false claim I feel us bank is prejudice of me and my father and insulted a us military family members who is honored and serve the US armed forces for over 20 plus years and who is in needed my help because I am the only family member he has left to be care of besides of my children. From what I witness here us bank seem to not have any compassion of my family medical condition and yet never or try to contact me or speak with me or trying to find away work this and resolved this I had to do on my own us bank branch was closed no one there I was missed lead of contacting a closed branch and from what I was gather from another us bank branch person the branch manager boss closed my account without knowing the fact or try of contacting me, us bank error! | ||||||
| 04/17/2023 | Yes |
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Web | Servicemember |
| I have tried resolving this for MONTHS and keep ketting the same FALSE response from US Bank. I provided them with everything they requested. According to the terms and conditions on my credit card I am entitled to be protected against fraudulent charges. Below is the details of my issue. They keep responded FALSELY that I didn't return the correct item or I didn't provide them with correct info. They alternate between these 2 FALSE statements. I returned the correct item with the return label that was provided to me by the merchant and I provided proof that they received it. If it were true that I sent the incorrect item where is the tracking showing that they returned that false item to me? THEY NEVER DID because I returned the correct item and an XXXX employee probably stole it!!! XX/XX/XXXX I placed an order with XXXX for a coffee machine. The order was placed under my partners account. The XXXX # XXXX. After spending 3 hours trying to get coffee out of it I couldn't get it to work so I requested to return it. XXXX provided me with a return label with tracking number XXXX. They received the return on XX/XX/XXXX XX/XX/XXXX I received an email from XXXX saying that they received the wrong item and they " disposed of it '' I knew I returned the correct item because I handed it to the ups driver myself. I got nowhere with XXXX customer service so I called US Bank to dispute the charge on my credit card. I received a provisional credit that US Bank reversed on XXXX XXXX. I contacted US Bank again at that time and they said they would reopen the dispute. I contacted them again this morning to see the status and was told that they never reopened it and basically they're doing nothing for me. I can't understand what I could have done differently. I purchased a defective coffee machine. Return it with the label THEY provided me and I have to pay for the defective coffee machine? Please help. Below are the tracking details of the return Tracking details XX/XX/XXXX XXXX picked up the return from my home XX/XX/XXXX XXXX XXXX.Delivered XXXX, KY, XXXX Attachments Image XXXX at XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX XXXX ( XXXX KB ) Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Attachments may take a few minutes to be available. Please see attached response. Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS The response was completely false. XXXX did not state in their response that I returned the incorrect item and I did send in all of the p | ||||||
| 05/18/2022 | Yes |
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| On XX/XX/XXXX, US Bancorp sent me a legal notice stating that they were going to foreclose on my home. However, the problem is that I have already paid my mortgage off in full. They are breaking 31 USC 5118 by attaching a " Gold Clause '' to a note. The letter below was sent to US Bancorp proving the laws they are breaking. US Bancorp XXXX XXXX XXXX XXXX XXXX XXXX US Attention : Chief Accountable Public Officer Via Certified Mail : XXXX XXXX XXXX XXXX XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer , Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/XXXX there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by US Bancorp as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences US Bancorps violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from US Bancorp within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by U S Bancorp ( 15 USC 1666 XXXX b ) ( 1 ) ). 2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by US Bancorp in substitution thereof per 15 USC 1642. 3. Statements fail to reflect proper payment made to US Bancorp by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ). This notice is based upon the attached documentary evidence. Trustee/Attorney requests following documentary evidence to support US Bancorps claims that You extended credit to obligor, and that any presumed assignment of future payment rights to US Bancorp under any power of attorney, whether express or implied is not void. It Is So Ordered. It Is So Ordered. It Is So Ordered. /s/, Trustee By : __________________________, Attorney/Heir In fidelity. Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in XXXX in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : US Bancorp 270 XXXX XXXX XXXX MN XXXX XXXX Attention XXXX Chief Accountable Public Officer VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXffiant In XXXX. US Bancorp receive this legal notice from me via USPS XXXX Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Bancorp is currently extorting me for a payment they have already received. Please assist. | ||||||
| 08/31/2017 | Yes |
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| To Whom It May Concern, In May of this year ( on or about the XXXX ) we paid off the US Bank card in full. Shortly thereafter 3 charges to XXXX XXXX (? ) appeared on our account. For clarification, we do not know who or what XXXX XXXX is or maybe. I immediately contacted US Bank to file a fraud claim. US Bank wrongfully filed this as a charge dispute. I was quite certain that I stated that we did not ever purchase any items from XXXX XXXX at any time. That these charges where not correct. The representative assured me that the charges would be reversed and investigated. We canceled our credit card ( or so I thought ), and requested a replacement. On XXXX XXXX, I was checking our account and dismayed to learn the charges for XXXX XXXX had been reversed by US Bank. Again, I immediately contacted US Bank and spoke with a representative regarding these fraudulent charges. I was assured, that these charges had been mistakenly filed as disputes and he would correctly guide them to the XXXX department. Foolishly, I believed US Bank would handle this in a timely and professional manner. On Monday XX/XX/XXXX, I received three pieces of mail indicating that US Bank had reversed the charges on all three fraudulent claims and expected us to pay for items we did not purchase from a person or business we are not familiar with after reporting these charges initially as fraud to US Bank representatives. I also received a phone call from a US Bank representative ( XXXX ) claiming that he would guide these charges to the fraud department. Given the lack of competence demonstrated by US bank to this point, I am more than skeptical they will investigate these false debts and will still expect us to pay. We will not. Not now, not ever. I do not pay for other folks stealing our information and shopping at our expense. We followed appropriate protocol and US Bank, mishandled this from the start. One last item. The US Bank letters each state that their dispute investigation, describes how a sale works and how we presented our card etc. Neat trick, since we never visited XXXX XXXX did not leave XXXX to do so, nor purchase anything via the web from this individual/business (? ). For clarification, I will retain legal counsel if necessary. I would rather pay a shifty, sleazy lawyer than false charges on our account which were promptly identified and discussed with US bank at the initial time these charges where noticed on our paid in full credit card. There are two legal charges on that card as of the moment, onXXXX for {$70.00} ( XXXX ) and one for {$58.00} to the US Mint. These will be paid as we did make these purchases. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. XXXX XXXX of card : XXXX XXXX. Two items : 1 ) I have filed this complaint with the Ohio XX/XX/XXXXOffice since I can not seem to file with the BBB. 2 ) I am re-filing this complaint per an email from XXXX XXXX received XX/XX/XXXX ( Thread ID : XXXX ). 3 ) As of today, I was notified by the AG 's office that this complaint was not in the purview. I was advised to contact The Consumer Financial Protection Bureau. | ||||||
| 12/20/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Former address XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Hello : I am XXXX XXXX formerly XXXX XXXX and I have some concerns in regards to XXXX at the US Bank center location. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I attempted to get information on why she gave me a hard time and initiate a hold and she basically got mouthy and in return I did to. I requested to withdraw money from the bank in the amount of {$6000.00}, I got provisional credits, I do not want {$6000.00} sitting in my account because of my past experiences, I started the XXXX XXXX XXXX XXXX XXXX and I am a person that give 5 or more chances to people and I dont just give up on them, I have a kind heart and love to help others and give back and people have told me I have a kind heart. I will give you all a backstory, XXXX XXXX a longtime buddy of mine I met through giving back, is a XXXXXXXX XXXX and a person that has issues, I have a soft spot for the homeless and want to give people opportunities that dont normally get certain opportunities. XXXX have stolen money from me and he has stolen vehicles from the organization and it seems like every opportunity he gets he seems to cross the only person who helps him and be there. He have done a lot to help me but they say people will show there true colors, I didnt give him permission to make purchases, sometimes people resort back to their old ways. With my disputes I have never had any chargebacks come back and a lot of times in my experience the transactions I dispute arent added on the disputes and you have to call and they dont go back to old dispute they add another one. I have {$6000.00} that can cover the amount that I was going to take out. Back to XXXX she is concerned with my account and I am concerned with her professionalism and communication skills. Every time I come in that branch, she gives me a hard time before reviewing information, she make assumptions and she claims she doesnt remember who I am. I can pay any debt I owe to the bank and had the amount to cover multiple times and I asked that XXXX take the amount out in my previous XXXX figure balance and she didnt and know she is trying to keep my account on hold not because of business, fraud concerns, its a personal matter and her ego. I yelled at her and we had a verbal dispute that got ugly and I do believe she discriminated against me. I want to request that XXXX be trained with being professional and to not take her personal ego out on me and stop my account from moving forward and ask why she didnt take any debt owed out but requested a hard hold. May you all please deal with this according and this is a violation of my civil rights, I am here to protect my account and not to have my character assassinated. I had no plans on closing my account unless I close it and reopen one that havent been compromised. XXXX XXXX moved to Mississippi within the last few weeks his mother informed me. Best regards, Thank you. XXXX XXXX | ||||||
| 02/28/2023 | Yes |
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Web | Older American |
| This is not a duplicate. It is a description of US Bank 's risk to the consumer through systemic financial elder abuse. US Bank do not have the mandated liquidity requirements the XXXX XXXX framework requires. Under the XXXX XXXX framework, which is the international regulatory framework for bank capital adequacy, banks are required to maintain a minimum XXXX XXXX capital ratio of 6 %, which is calculated as Tier XXXX capital divided by risk-weighted assets. In terms of liquidity, the US regulators require banks to maintain certain liquidity ratios, such as the Liquidity Coverage Ratio ( LCR ) and the Net Stable Funding Ratio ( NSFR ), which measure a bank 's ability to meet short-term and long-term liquidity needs. Since they do not have the capital to cover losses, they systematically target elders to retain and grow their accounts with unauthorized next generation bank deposits. The modus operandi at US Bank is : XXXX ) When cognitively challenged elders are faced with trauma such as the death of a spouse, there is a potential for transition of the account to a different bank. XXXX XXXX U S Bank targets these accounts by opening unauthorized US Bank Guardian accounts opened without guardianship appointments by a court of law. These accounts are utilized with the children as guardians to keep the large accounts in house. Children transfer income such as Social Security, Veteran 's pay and required minimum distributions from IRA '' s received in these guardian accounts to US Bank accounts in their name. XXXX ) Children open out of state US Bank accounts to transfer parent 's money into US Bank accounts in their name. In my case, accounts were opened online in Florida. My mother and sister resided in Oregon. {$15.00} XXXX was transferred to my sister 's name through US Bank XXXX This is an illegal transaction. It violates many banking laws including BSA, AML, SAR. US Bank commits fraud. XXXX ) Changing the beneficiaries on IRA 's and pensions so that US Bank retains the accounts after the elder dies. ERISA violations were cited by former employees and families of elders in several court cases against US Bank. This is fraud. When US Bank is subpoenaed or requests for information made, US Bank makes up a new law to fit the crime. In XXXX I subpoenaed for bank records, they stated that the records could only go back XXXX years. My mother died in XXXX. That is XXXX years. This is a made up law to keep the records secret. This is fraud. Bank responds with fictitious laws when client requests information. My parent 's died intestate. As everyone knows, intestate means the children inherit the estate. Their latest response required that I send them a court ordered document stating that I was a representative of the estate. Another made up law. US Bank is breaking the law to get and retain money that does not belong to them. They commit violations of several laws including money laundering, BSA, SAR, and fraud to keep these accounts. This is due to inadequate risk-loss ratio that does not conform to the law causing further violations to maintain existing accounts. | ||||||
| 11/24/2019 | Yes |
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Web | Servicemember |
| I am submitting this statement as a formal complaint to US Bank for the unscrupulous business practices used against me in reference to RV loan. Since XX/XX/XXXX Ive been making extra payments on my loan. I was under the impression ( my fault for assuming ) the extra payments were going entirely to principal only. A few months ago I realized the error and have been trying to get my extra payments reversed to principal only. I have called no less than six times and each time, except once, I was told the payment would be reversed after time frames from 3-5, 7-10 business days. After that period some or none of the payments were reversed. While this was going on I was asked how I was making the extra payments. I explained I was using Bill Pay from XXXX. I was told that would not work for principal payments. I was given the address of, US Bank principal only, XXXX XXXX XXXX XXXX Wisconsin. Before setting up my bill pay I made an additional payment VIA a check for {$2000.00} on XX/XX/XXXX. That check was sent to the above address with the words ( principal only ) written in the memo section of the check. That payment was applied to principal and interest. After I set up my bill pay to add the principal only address ( the same one listed above ) I made extra payments intended for principal only that were applied to principal and interest. It was during one of my many calls to US Bank I was told that because XXXX was not included in the address, the bank had no way of knowing it was a principal only payment. I find it hard to believe that a bank could receive a check and electronic payments at a separate address form my normal loan processing point and not know how the customer wants the funds applied. I also think I was intentionally given the wrong address in an effort to stop and or delay me from making additional principal payment. I tried to file a formal complaint with US bank by using their online customer service tool. The agent I chatted with told me he would file the complaint on my behalf, so I sent him the above paragraphs. He relied saying the complaint has been submitted to the appropriate department I asked what department and when could I expect a reply. He said he sent it to customer service and they are unable to contact me. I feel I was intentionally misled by the agent by making it appear I was filing an office complaint when the reality it was just an other road block by US Bank to keep me from getting my money applied to my loan correctly. I now know I didnt follow the proper procedure for making principal only payments. Since I learned about the error, I have tried to get those payments reversed and to make principal only payment and US Bank has put up road blocks and has stalled and lied about reversing my payments. I am convinced US Bank is doing these things intentionally in an effort to maximize their profit and is essentially stealing my money. I am requesting US Bank immediately reverse ALL the extra payment I made and apply the interest paid to the principal of the loan. I am also requesting a detailed statement of those transactions. Thank you | ||||||
| 02/21/2019 | Yes |
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| I have filed several complaints on US Bank over the past few years. I have several problems. But the foremost problem is onXX/XX/XXXX, our home was damaged by trees falling on our house. We have insurance through XXXX insurance and they have sent us most of the claim money in checks to have repairs done. Our roof damaged {$21000.00}. Besides ceiling, and flooring and walls. When the company came to dry out, clean up and remove debris, ( they even started on the wry day of the accident ). That is only one small chunk of damage. USBank sent forms for us to have contracter give their information and signatures plus sign a waiver that they will not sue or place lean on the house due to lack of payment. USBank also wants us to send the checks to them and after inspection they will release the money. We contacted USBank many, many times over the last 6 months, to tell them that there is not one single contractor that will take this on without 50 % down for supplies. Also, on XX/XX/XXXX I found the exact complaint from a family who has gone through the exact same ordeal and complained to XXXX over USBank not realeasing the money. The damage is horrific, an entire ceiling is missing and holes cut out in several other rooms. You can only imagine the hardship and stress it has caused on our family plus we have already had to repair heat/air unit for the upstairs due to debris in the intake valve from the damage. Not to mention it is our XXXX XXXX daughters room that is destroyed, besides the absorbent heat and air bills over the last 6 months! There is no way I am sending USBank the insurance checks and not having anyone commuting to do the repairs. The complaints just on XXXX is horrific. We have been trying to get a modification w/USBank for quite sometime now. The stress and damage this has caused our family is at the point of gross neglect on you not holding this BANK accountable for the abuse they keep inflicting on us unbearable. If USBank from the very beginning when we were just XXXX XXXX behind would have allowed us to talk with them and make arrangements this would NEVER had gone this far. The Bank would not speak to us over a plethora of attempts and one office not knowing what the other office is sending is actually past the point of conceivable. So, we were granted one modification and then the bank stopped it with no reason at all, over miscommunication from one office to the other. This scam is so obvious that even XXXX XXXX could see it. This scam of people wanting to keep their homes doing the endless demand requests are all for the bank to try to take homes away from hard working people. This bank has checked every single box for bank fraud imaginable, lost papers, no one returning phone calls, no one receiving faxes. Our original loan was sold to USBank without our consent or knowledge. Im pretty sure there is fraud involved with the passing from one establishment to the next all during the time of XX/XX/XXXX recession and no one was making these institutions be held accountable and just want to foreclose on homes, done fraudently. The stress, damage is intolerable. | ||||||
| 05/07/2023 | Yes |
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| Im writing to inform you Im reporting you to the CFPB ( Consumer Financial Protection Bureau ) In this letter which is being sent to the CFPB also I explain my case. Ive been a card holder with Elan since I was a teenager which dates back over 30 years ago. My recent experience with your company is nothing short of fraud at this point. Your representatives have lied to me on the phone multiple times including the laundry list below. My credit card was compromised around the end of XX/XX/2023 which I reported with your theft department concerning a charge from XXXX of {$21.00}. I was told someone from another country has made the purchase and I had to go through the theft department process and have a new card issued. I went through this process only to find out my card was compromised again after only one week. At this point I started asking questions about why this was happening. I asked after multiple calls into your customer service department to find out it was due to a recurring payment list which exists for companies with monthly subscriptions. I found this list on your web page which included XXXX XXXX and other companies I havent used in a very long time. XXXX hasnt been used in decades and why it was listed on my credit card recurring payment is beyond me. I asked your customer service representative to remove XXXX and many other companies listed on this page because I was told these companies can reach your company and request my new credit card number and charge me for services Im not authorizing. I consider this theft on your behalf to give companies my credit card information without my consent. I decided to cancel my credit card and was told my card was canceled over the phone by your customer service representative. After being told my card was canceled, I continued to get a statement which prompted additional calls. I was told my card was canceled and no one could use the card to make purchases. Thats not what my statement was showing. I requested a letter from Elan to confirm my account was closed. I was told a letter would be sent which did not happen. I was told my card was official canceled on XX/XX/XXXX over the phone with your theft supervisor XXXX. I paid off the remainder of my balance of {$2200.00} when closing it and shows activity since then on statements mailed to me over the last two months. The most recent statement is listing a balance of {$21.00} that is not accurate. I do not owe this money and after being told by XXXX in your fraud department this account was closed, I find your organization is the one committing fraud. I am the victim here and have no other choice but to report your company Elan Financial services. If any action is taken against me for purchases, I have not made then this should be taken up by our laws to protect honest people from these kinds of practices. Lastly, I request Elan financial services to send me a written letter stating my account was closed and apologizing for wasted time and stress this has caused me. My credit is very good and I dont want to be associated with these kind of business practices. | ||||||
| 08/19/2022 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, we came out of our Cares Act Mortgage Forbearance. Our repayment offer was to move the missed payments to the end of the loan. There would be no interest nor payments. Due to our XXXX XXXX bankruptcy, the paperwork had to be sent to our lawyer. This was a nightmare. They continued to send the paperwork to the wrong address after our lawyer updated his address with them several times. We finally get the paperwork and sign it in our lawyer 's office on XX/XX/XXXX and the paperwork was dropped off at XXXX that same day. We checked often with the bank and as of XX/XX/XXXX, they claimed they had not received the paperwork. Our lawyer spent many days and hours on the phone with different representatives who all gave different answers and were not helpful. On XX/XX/XXXX, he finally spoke with a supervisor who stated that they did get the paperwork but did not like our signatures. I signed XXXX XXXX rather than the way it was written on the paperwork. My mistake. They were supposed to start the entire process over and mail the paperwork out. It was never received. I called daily checking on the status and was finally told that they decided to accept the paperwork and everything was great. We continued paying our payments on the first of the month. Our payments were approximately {$1300.00}. On XX/XX/XXXX, I called to make our payment which was late due to our college student moving into the dorms. I was then told that I owed a payment of $ XXXX. I advised the agent that was incorrect. She stated that they never received the paperwork and that they had mailed me a letter stating that. I never received a letter. I asked to speak to a supervisor and his name was XXXX XXXX. XXXX XXXX stated he needed to research it and would call me back in 30 minutes. I have yet to receive a call and today is XX/XX/XXXX. I also emailed him twice without getting a response. We have called all week and have been told that we would just have to start the process over. Unfortunately, the terms are not even close to the original offer. We are no longer eligible for the VA 's help because we have been out of forbearance for longer than 120 days. We were under the impression that we had everything taken care of. My payments were made over the phone talking to a human, not an automated system. Not once had anyone mentioned that we needed to make a $ XXXX payment. Today we were told that the loss/litigation department was open on Saturdays. After I called to discuss our only option with a rep, I was told that the department closed at 4 and would not open again until Monday. Also, the missed payments totaled {$13000.00} as of XXXX but today on the phone the balloon payment at the end was going to be almost {$23000.00}. I feel as if this bank is disorganized and has lost our paperwork which is making me feel as if we are being taken advantage of. No one calls us back. The answers are always different. And it is difficult to get anything accomplished especially in a situation such as this. It is ridiculous that this situation has been this difficult, and we even had the assistance of a lawyer. | ||||||
| 07/19/2022 | Yes |
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Web | Older American |
| On XX/XX/2022 at XXXX PM XXXX I received an email alert for a transaction for {$140.00} on my Fidelity Rewards Visa card. I realized that the transaction was probably fraudulent as no credit card was present and only my wife and I have cards for this account and we were both home. I immediately looked for my card, which was in my wallet .at XXXX PM XXXX, I called Card Member Services for Elan Financial Services ( the card issuer ) at XXXX from my landline to report a fraudulent transaction. I did not get the name of the woman who was not very helpful and made an excuse to slow response as its the weekend. As we were about to take an 8 day trip from XX/XX/XXXX through XX/XX/XXXX, I asked to speak with a supervisor and was put on hold only to be disconnected at XXXX PM XXXX. While on hold, I received another transaction alert for $ XXXX XXXX PM XXXX. At XXXX PM XXXX, I again called Card Member Services from my home line and spoke with someone who gave her name as XXXX, located in XXXX XXXX XXXX put me on hold when I asked to speak with a supervisor. No one ever picked up the line. At XXXX PM XXXX, I called Card Member Services from my cell phone as my home line was still on hold. I spoke with someone named XXXX in Kentucky. She was able to confirm that the card was disabled. She also arranged to have new card to be sent to our daughters address in XXXX Co which was near the hotel we would be staying at until XX/XX/XXXX. I was told that the cards would arrive on Tuesday XX/XX/2022. She confirmed the address to which the replacement cards would be sent. XXXX listened to my complaints regarding my two earlier calls and she said that she saw no notes from anyone named XXXX. She did say that someone named XXXX processed both fraud claims at XXXX PM XXXX ( XXXX PM XXXX ) and that I would get a call back from a supervisor by Sunday XX/XX/2022 at XXXX PM XXXX ( XXXX PM XXXX ). The call ended at XXXX PM XXXX. My land line was still on hold at XXXX PM XXXX, so I hung it up. On Sunday XX/XX/2022, after not hearing from anyone at Card Member Services, I called and spoke with someone named XXXX XXXX? ) who transferred me to a supervisor named XXXX located in a XXXX XXXX Idaho call center. He claimed that there were no notes from XXXX re getting a call back and nothing about my concerns and complaints. That call ended at XXXX PM XXXX. Things only got worse. I was told I would get an email with a tracking number for cards to be sent via XXXX. No such email ever arrived and no cards arrived on XX/XX/2022. I called Card Member Services again. I was told that the cards were sent to my daughters address via regular mail. In fact, cards were sent via regular mail to our home address and we did not see them until we got home after midnight XXXX on XX/XX/2022. Other issues and problems were encountered but the above are the most egregious. The number of mistakes, falsehoods, inconsistencies and errors is appalling. It is virtually impossible to deal with Elan Financial Services. There is no way to get back to a person whom I spoke with and no way to escalate a call above a supervisor, | ||||||
| 04/12/2022 | Yes |
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| My mortgage was in forebearance due to Covid until XX/XX/2022. The bank sent me modification paperwork in XXXX with no prior notice or explanation. I did not realize what it was until a week later as I receive alot of XXXX packages for on-line courses I take. Upon realizing what I had received I contacted US Bank and discussed errors in the documents. I was told revised documents would be sent out immediately. To date, I still have never received the revised documents despite my numerous weekly telephone calls. I have spent many hours on the telephone trying to resolve this to no avail. I receive different answers from each person I speak with and continue to get transferred around. I have spent many, many hours on hold only to be disconnected. I am repeatedly told the documents are enroute but they never arrive. In XXXX when I still had not received the forms I went ahead and sent them a check for my XXXX, XXXX & XX/XX/2022 payments but they returned my check stating my account was in foreclosure even though their employees told me not to send any money in until I received and had the modification documents notarized. Although they had advised my first payment would not be due until XXXX I included the XXXX payment to illustrate my good faith since the original documents were dated in XXXX. After my check was returned to me I called them again to discuss the situation but this time was told that I needed to fill out some type of credit application. I completed that document and returned it and again heard nothing. When I called back yet again the employee stated that I needed to complete a second application ( for an unknown reason ) and that it would be sent to me via email no later than today ( XX/XX/2022 ). I have not received any such document, nor have I received any return phone calls even though I have repeatedly asked that they escalate my case to upper management so that I can just straighten this out and pay my mortgage. The employee I spoke with today advised the foreclosure is on hold at the moment but because I have repeatedly been misinformed over the past 4 months I do not trust that this is the case. I am seeking assistance to obtain the corrected modification forms so that I can have them notarized and can resume my monthly payments. I fail to understand how a banking institution can be so disorganized, can employ individuals not trained to do their jobs, and can illustrate such disrespect for their customers as to not even provide the courtesy of a return call when promised. If I had not reached out to them I still would have no idea what it going on as they have made zero effort to reach me by telephone or mail ( Other than the normal monthly statements ). I have tried to be patient acknowledging the effect Covid has had on everyone but this communication breakdown is now jeopardizing the home of myself and my XXXX XXXXXXXX son. I respectfully request your assistance in getting someone with authority at the bank to take the time to finally resolve this. I am unable to upload documents due to volume but have them ready to fax to you upon request. | ||||||
| 09/03/2018 | Yes |
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| I opened up a XXXX XXXX rewards prepaid card ... I shop at XXXX TONS. My card was approved mailed to my home I activated it and gave the direct deposit info to my employer. When this past friday came I opened my paycheck to see my money had already went direct deposit. So I checked my card to see this ... XXXX BALANCE. So I immediately freaked out. Its a holiday weekend so my payroll dept had left. I contacted the card company who told me.. I had to verify my address my accounts load limit has been set to XXXX until I did so. Thru out the course of Friday and Saturday I placed 16 calls to this cards reps. And sent 7 faxes. Kept being told once my address was confirmed by fax my money would load all the reps and supervisors told me they could see my money hanging out there to load. So TODAY I finally got someone to get a floor supv to pull my fax update my account which btw the problem was I needed to verify my ID. Not MY ADDRESS. So after calling to confirm my fax was recieved I was told yes it was everything was verified my limit was raised and for me to check my card after XXXX because my direct deposit would be credited after that. At XXXX tonight it still wasnt there I called in got a supervisor who told me point blank I have been lied to by all the reps and supervisors and floor personal that my direct deposit was returned to my employer. I would have to go to them for my money ... When I asked questions he was vague about the answers claimed the previous 14 calls I had placed I was lied to .... SO we are a low income family with XXXX small children. And I a XXXX paycheck I cant access. Not to mention we are in the middle of moving.. I cant pay for the utilities to be switched or pay my landlord as promised yesterday. I am sitting at my job crying as I type this. I feel I have been scammed by these people and their only answer was write a nasty letter and mail it for the corporate to see??? They apologize for the inconvience and I can have my employer resend it andi t will go on there with no problems UHH NO. I have done some research an I am not the only person US BANK/XXXX XXXX REWARDS CARD has done this to. Is there anyway we can get this on the news???? I dont want another family to face what I have and their hands to be at the mercy of these scammers. How do you approve someone for a prepaid card mail it to them with their name on it ... Let them use it to reserve a XXXX.. Then when their first direct deposit tries to come thru with everything matching name address ss # and employer all of a sudden they have to prove they are who they say they are ... And its so their deposit thats " hanging out there '' can come thru when supposidly I was lied to and it had already been returned? When I had 2 days to send my verifications from the date of my deposit which was friday the XX/XX/XXXX ... All of the reps I have spoken to is like they dont get it or understand this ... ..As of today Monday XX/XX/2018 I still have answers to why I was given the card and the there was an ID issue. Or why I was told my direct deposit could be seen by them and now its gone .... | ||||||
| 12/10/2018 | Yes |
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| We have had numerous problems with US BANK. For instance, I was at the bank on XXXX XXXX one day and I left. Later that day I went to look for my debit card and could not find it. I knew the last place I was at with it was the bank so I called the bank. They said they would look for it. All of a sudden 4 days later I got a new card in the mail and I called and I was told that a bank employee called and had my card re issued, and so we called the bank and they said yes a teller found this on the floor on her side and called it in and had it cancelled instead of calling me and telling me. We also have had checks LOST after we deposited them and my mom even had to take in PROOF that she deposited this after the fact ( the black and white back that you get on the statement online ) to show that YES she did have a check deposited for them to put the money in the account. : XXXX XXXX and XXXX XXXX XXXX Then I put a check in for deposit and the next thing I knew it was listed as a " Credit misc '' when I called I was told the teller did not put the check in for deposit but it was there so they put it in later as a misc credit. I said ok so where is the check and they said we dont know but its ok the money is there.XXXX XXXX XXXX XXXX They acted like it was no big deal that it happens ALL the time. One day my mom took a XXXX dollar check into a bank on XXXX XXXX In XXXX XXXX and it took the bank 3 weeks to FIND the check and deposit it to the account And for some reason when you report a company for taking money out of your account without your permission they for some reason refuse to do it as fraud IF you have made a purchase with the company before. I had money taken from the account and when I called the lady said " have you ever purchased from them before or was this new and I said no I have purchased from them before but I did not make any new purchases '' and she said well then we can not put it under fraud. I said why not it is fraud and she said well no because you shopped with them before. Thats NOT even the point, the point is, I did not make a purchase therefore they took money fraudulently from the account. THEN there was a person who somehow got ahold of my debit card number and made a purchase at a store online that I never even heard of and when I called they made ME jump through HOOPS to prove I never heard of the store and I said well if you do NOT see any other purchases then yeah that means I never shopped there before and I even called the store and told them they took money from the wrong person. USBANK for some reason gave them back the XXXX dollars they gave me as a provisional credit and said " company refunded the money so we gave them back their money '' and I kept telling USBank..NO they did not refund any money and USBANK refused to give the money back to me. USBANK seems to feel they can do whatever they want with peoples money. OUR statement can say we have ONE amount and their online statement says we have LESS and they just say " we will walk you through all the purchases so you can see that OUR numbers are right ''. Its an insult. | ||||||
| 05/02/2020 | Yes |
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| I have been significantly impacted by COVID-19 as a restaurant worker. My last day worked was XX/XX/20. I called US BANK Home Mortgage a few days later and waited patiently on hold for 2.5 hours to speak to someone. Once I reached a person, I worked with her to create a deferment arrangement and was told I would have no payment due for 6 months and that I would be connected to a " relationship manager '' to help me along the way. Fast forward, I get a letter in the mail stating that my deferment is not actually a deferment, but a modified payment ( which I also can not afford ). I attempted to call my " relationship manager '', XXXX XXXX at XXXX ext XXXX many times. Every time I have called, the voicemail is full. I sent two emails, both have gone unanswered. I finally called again and waited another two hours on the phone. The person I spoke with stated " I see here that you have no payment due. Oh wait, I also see that you have a modified payment arrangement. '' I asked her which it was, no payment or a modified arrangement. She said she couldn't tell. I asked for the supervisor of XXXX XXXX. I left a voicemail with a person named XXXX XXXX at XXXX. To date, I have received no return message. I continue to receive threatening letters about losing my home, yet I can not speak to anyone about it. The most recent letter I received states, " the longer you wait the harder it will be to find a solution. '' This is insulting. I have tried numerous times to resolve this and can't get anyone on the phone or anyone to email me back. Today, I gathered the money to make the modified payment ( according to the deadline XXXX ) but when I logged in to make a payment, it states that I am unable to make payments, that I need to call the same number I have called many times and either waited on hold for exorbitant amounts of time or reached a full voicemail box. I have the money to make a payment today, and no way to make the payment. I am tired of receiving threatening letters and being unable to reach anyone. This is a pattern with US BANK. Last time I needed mortgage assistance because of XXXX, I was told that if I missed payments they would work with me to get me into a program. I did everything they said to do, and then waited patiently, only to call back and be told that my information was never entered into the system. I have proof that I sent it. I go ahead and send it all again and then the next communication I get is that I need to make a {$2900.00} payment or my house will go into short sale and they gave me two weeks to act on it. I was under the impression they were going to *help* me, as they stated. This was no help at all, in fact it was the exact opposite. I could have managed to make at least part of my payments if they would accept late payments online. They won't even accept a payment one day after the 30 days. How can you be expected to keep up with your payments if you can't ever get caught up because they make it impossible to make payments as you get the money? Trying to call has always been a nightmare. This company is severely mismanaged. | ||||||
| 02/10/2023 | Yes |
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Web | Servicemember |
| Hello- I am writing in regards to XXXX XXXX practices being levied on me by XXXX XXXX XXXX. I have XXXX XXXX XXXX with XXXX XXXX. My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$4300.00}. My minimum payment due was {$71.00}. I made a {$400.00} payment on XX/XX/XXXX. My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$5700.00}. My minimum payment due was {$840.00}. I made a {$1000.00} payment on XX/XX/XXXX. My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$6000.00}. My Minimum payment due was {$1100.00} because my credit limit on the account was {$5000.00}. I was {$1000.00} over my credit limit. This was because I made a return on XX/XX/XXXX and I had been waiting for a credit back to my account for {$1100.00}. After 2 weeks, I called XXXX XXXX support and they told me they processed the credit back to my XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX told me they did not get the credit back to my account until XX/XX/XXXX. I called XXXX XXXX XXXX asked for a credit limit increase and it was denied. When I received my XXXX statement, it showed I had a XXXX XXXX of {$1000.00} due. I called XXXX XXXX XXXX Customer Service about the large minimum payment ( {$1000.00} ) due on XXXX Customer Service Representative told me that the Target Credit of {$1100.00} had already been received, and had been processed, which put me below my credit limit and that I no longer needed to make the {$1000.00} minimum payment. She stated she was going to make a note in my files that I did not need to make the {$1000.00} minimum payment because my balance was {$4800.00}. I made a total of {$160.00} payments for the month, similar to what I was paying in XX/XX/XXXX. I just received my XX/XX/XXXX statement for billing period XXXX. My balance is {$4800.00} and my minimum payment due is {$1000.00}. I immediately called XXXX XXXX XXXX Customer Service and asked why my minimum amount due is so high. After being left on hold for 20 minutes, the Representative told me she needed to transfer me to a Supervisor. I was place on hold for another 20 minutes. When the Supervisor got on the phone with me, I asked why am I being required to pay 25 % of my balance in 1 month? ( i.e. {$1000.00} of a {$4800.00} balance ). She said that I was supposed to pay XXXX more dollars the previous month and that was being carried over into my current billing period. They also charged me a XXXX XXXX XXXX for not paying the {$1000.00} minimum payment in XXXX- even after they told me I did not have to make that huge payment because the target return/credit covered that amount. This organization is practicing predatory lending. It is unethical to charge someone a {$1000.00} minimum payment on a {$4800.00} balance. Their Customer Service flat out lied to me, told me they would make a note in my account about the conversation and that I did not have to make a {$1100.00} payment in XXXX because the {$1100.00} return credit covered that amount I would like to file a formal Predatory Lending complaint against XXXX XXXX XXXX and Mini World XXXX. XXXX XXXX XXXX XXXX | ||||||
| 08/18/2022 | Yes |
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Web | Older American |
| Fraud Claim # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX. Call text from US Bank on XX/XX/2022 at XXXX asking if I authorized a purchase at XXXX for {$460.00}. 2. I replied no. 3. Received a text that my card was restricted and I would receive a call in 5-10 minutes 4. I received a call from XXXX lasting approximately XXXX minutes. I was told my account ending in XXXX was compromised but had been locked. I was asked to give the last 4 digits of my SSN. A new card would be issued to me by XXXX. 5. I was told I would receive a number of texts with codes that I would need to repeat to verify my account. 6. On XX/XX/2022 I contacted US Bank because the process was different than other times when my card had been compromised. I was especially concerned because I saw there were 4 cash advances from my credit card ending in XXXX from 2 different banks. The total amount was {$840.00} ( {$800.00} plus {$45.00} in transaction fees ). 7. I was told there was no calls made from US Bank on XX/XX/2022. I then reported my card had been compromised. 8. My cards had not been stolen. No cash advances were authorized nor were made by me. My son is an authorized user. He made no cash advances and his card was not stolen. 9. I was told it would be investigated. 10. On XX/XX/2022 I received a letter stating the transactions were authorized and linked to the credit card ending in XXXX. The transactions were made using expanded access. 11. On XX/XX/2022 I called US Bank at XXXX and spoke with XXXX. I explained the situation and told him that the transactions were fraudulent. He explained how the determination was made. I repeated the transactions were fraudulent. He stated he would send my concerns to a fraud XXXX who would determine if the case should be reopened. I would hear within 24-48 business hours 12. I did not receive a call from US Bank by close of business on Tuesday XX/XX/2022 XXXX. XXXX I sent this letter with attachments to US Bank XXXX XXXX and called Bank Card Services . I explained the situation to Clinton ( supervisor ) that I had not received a call back from the claims processor as requested. He requested a call back from a claims processor supervisor to me within 24-48 hours. 14. On XX/XX/2022 I received a call back from the XXXX XXXX supervisor. The situation was reviewed. The transactions were not considered fraud but a possible scam. My next step is to file a police report. The police can subpoena video footage from US Bank to determine if I or another authorized user made the transactions. The completed police report should be faxed to XXXX. 15. I contacted the XXXX Police Department. XXXX XXXX said that he would email me a Victim of Fraud/Identity Theft Checklist and referred me to XXXX. Due to lack of a suspect there was nothing more the police could do. Attachments : 1. Screen Shot : Text from US Bank re purchase from XXXX 2. Screen Shot : Call from XXXX ( reportedly from US Bank 3. Screen Shot : texts with codes that I would need to repeat to verify my account 4. Screen Shot : List of unauthorized charges | ||||||
| 03/22/2022 | Yes |
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| I was informed by my financial advisor that a good strategy to pay down my high interest credit card was to apply for a cash balance transfer card. I applied for a cash balance transfer with XXXX XXXX and was denied. She suggested I research some credit unions which might be able to supply me with a cash balance transfer so I googled some on XXXX and applied for three credit cards, all credit cards happened to be serviced by Elan Financial Services. The options available local to me were not as good as they were with the three other accounts I applied for ( XXXX, XXXX and XXXX ). Those three cards had the terms that would be best for my personal situation so I applied for them. I received mail that my application was denied, I called XXXX and was accused of fraudulently using a third patty broker to apply for my cards before I had a chance to provide authentication information. I asked to speak to the supervisor, who directed me to fax over additional documentation to prove my identity. I faxed my SSN, passport, Lease and bank statements. I didnt hear back for a few days so I called back on XXXX I was informed my documentation is illegible so I was told to email the documentation over. I emailed it over and didnt hear back, so I called on XX/XX/XXXX. On XX/XX/XXXX, I was informed by an XXXX representative that my application was approved and that I would receive additional information in the mail. On XX/XX/XXXX, I received mail from XXXX again stating they could not process my account because they were unable to verify my information. The letter was dated XX/XX/XXXX, the day after I was told my application was approved. When I called on XX/XX/XXXX, I was spoken very rudely to by the representative who first told me I shouldnt have emailed my information, which made me worry that my personal and confidential information was in the wrong hands. When I asked for information on why I was denied, she started to chastise me about submitting three applications for different credit unions. When I asked to speak to a Supervisor, she said the outcome will be the same and that she is unable to provide me with more information. When I spoke with the supervisor, I asked what about my application wasnt able to validate my identity when I sent my lease, SSN and passport, he said he wasnt allowed to clarify for me. I asked if thats the case as per their internal policies that they can, he said it is. I told him it was unfair that I was initially told that I was approved and then the representative lied, he said that they are allowed to renege on a decision, I asked if that was legal and he said it was. I elaborated my situation and that I was desperate for this cash balance transfer card and he said that the conversation wasnt going anywhere and hung up on me. I understand the risk flags were waved for my application, but my identity authentication information along with my bank statements were all authentic. They did not want to establish credit for me and I feel it was race motivated. I was spoken to extremely rudely when I was trying my best to be polite. | ||||||
| 08/31/2018 | Yes |
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| I work an evening-into-night job as a XXXX to a XXXX company. I am paid approximately once a month sometimes a little early, sometimes a little late, around the XXXX of the month. Because my employer has bounced checks on me in the past, and because of the uncertainty of how and when banks clear funds when I deposit a check, I have a well-established pattern of my deposits with my bank, US Bank, at XXXX XXXX XXXX in XXXX XXXX, Missouri. Within a day or two that I receive the check from my employer, I negotiate the check at my employers bank and get my pay in cash. From there, because I dont want cash on me as this is hundreds of dollars, I go directly to the US Bank branch on XXXX XXXX to deposit the cash. This way, I know the money is available, as I live paycheck to paycheck, and I have important medications to purchase, as well as all my living and car expenses. I negotiated my XX/XX/XXXX, paycheck at my employers bank ( XXXX XXXX of the XXXX, XXXX XXXX branch ) on XX/XX/XXXX. From there ( early afternoon ), I went directly to my US Bank branch ( XXXX XXXX ). I parked in the parking lot and walked the cash in. I deposited {$900.00} in cash. I can not remember the exact denominations of the bills from XXXXXXXX XXXX, but it would generally be a mix. I have only a checking account with US Bank. Much to my surprise, as I was recently paying bills, I discovered that US Bank did not credit this cash deposit to my account! I have searched high and low for the receipt, but have not been able to find it. These are vital and necessary funds for me. As soon as I saw this discrepancy, I went to my branch to talk with them. They dismissed my claim, and they refused to help in any way. I asked, since this is a long-established pattern and I know a bank has several security cameras all over the property, if they would help by looking at camera footage. In the early afternoon of XX/XX/XXXX, they would likely see my truck in the parking lot, they would likely see me coming through the doors, and they would likely see me at a tellers station. All very reasonable as Ive been a good customer, and I have this well-established pattern. They refused to help. They claim I must subpoena them. How is this for customer treatment? I called US Bank Customer Service on XX/XX/XXXX, and explained the situation. They also refused to help me in any way. I went to the police to file a report, but because of the nature of the incident, they would not take a report. I suffer XXXX XXXX, and this has just about put me over the brink with extreme XXXX and XXXX. All I want is a fair effort on their part to help. Afterall, it is not out of the realm of possibility that someone pocketed that cash. It is difficult to trace. But it is NOT difficult to establish that I indeed was at the branch that day and made a transaction that is totally within an established pattern of business. I am attaching in this complaint a copy of the negotiated check from my employer dated XX/XX/XXXX. This establishes the start of the events that created the cash deposit at US Bank in the amount of {$900.00}. | ||||||
| 11/27/2017 | Yes |
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| In XX/XX/XXXX I had to hire XXXX XXXX XXXX for an IRS issue because three accountants I had previously could not figure out how to resolve the issue. The issue was an Accountants method of handling depreciation. I had to pay XXXX {$12000.00} which I had to spread over three credit cards because I am at poverty level I only make {$25000.00} a year. I had to sign a contract to allow them to charge my credit cards. I had no choice because I needed someone to handle this matter. From day one it was nightmare dealing with XXXX because you never get to speak to real accountant just case managers that no nothing about taxes. They just are the in-between person to get documents when needed. Anyway in the so called Resolution phase of my matter which is the offer to the IRS. The IRS sent me an important letter responding to XXXX offer which was rejected and I had 30 days to respond back. So I had faxed the letter on Wed. evening twice to XXXX the fax machine indicated the fax went through twice. I then e-mailed my case manager the next day Thursday to ask if she rec 'd my fax. No response I e-mailed her again. No response. On That Thursday afternoon I called her and left message no response. On that Friday I called three times throughout the day no call back. Monday came no call back I now am panicking so I filed a BBB complaint against XXXX called all the credit card companies to start disputes on all the charges. I then had to hire another Tax Lawyer in Maryland to handle this case for {$1000.00}. I put this in dispute with XXXX XXXX XXXX for the {$4000.00} charged to my card. XXXX originally told me that they had enough facts to credit my account, but XXXX told me on the phone if I did not settle with them for {$1800.00} and drop all complaints and bad reviews I would not get a dime. They also told XXXX had sided with them before XXXX even told me they were not going to honor my dispute. So I was blackmailed into settling for the {$1800.00}. Also while on the phone I had to sign release and delete all bad reviews and give XXXX a five star rating. So with my financial situation I had no choice but to take the {$1800.00} because I needed money to pay my credit card bills. I then find out XXXX in fact had agreed to side with XXXX without advising me of the same. I then wrote back with further details of what took place. They told me in a letter that if I had more information to supply the same. I did so and never rec 'd a response back. When I got my bill on XX/XX/XXXX XXXX had put back the {$4000.00} and when I called to speak to the dispute dept person answered knew of my situation and then said I will get someone to help I was put on 20 min hold no one ever answered. They dropped the ball and I never rec 'd the service I contracted for and was blackmailed into settling for pennies compared of what XXXX charged. XXXX was very unprofessional and now are hiding under a rug. They have no answer for their actions. I even have my business account with them and told them I would close my account should they honor this and I will go forward with pulling my account. | ||||||
| 10/27/2021 | Yes |
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| During COVID my husband and I went on a forbearance program for our mortgage with US Bank for 5 months ( XX/XX/XXXX through XX/XX/XXXX ) We were receiving paperwork in the mail stating by signing we accepted the forbearance period amount ( {$8900.00} ) would go to the end of our mortgage loan. We had issues submitting this paperwork first due to US Bank failing to change my last name which I had requested multiple times before. Because my name was incorrect the notary would not sign and send for us. We eventually were able to sign these documents providing proof of my marriage license to the notary and submitted them to US Bank. We then a couple of weeks later received a letter in the mail stating we were behind on payments and that US Bank would put us through a foreclosure. This is when my husband had called and a US Bank representative told us they had seen our signed papers and we had nothing to worry about. We were assured we would not lose our home due to this issue. During this phone call and a few others the representatives each time stated they had taken notes. These notes and phone calls state we were up to date on payments. Although when we would receive our mortgage statements it had always shown we were past due. This is why we had multiple phone calls with US Bank. US Bank states all calls may be recorded at the beginning of each call, so if necessary these phone calls should be able to be pulled. We are currently trying to refinance our home and had a conference call with the credit company to verify we were up to date on payments and all of a sudden US Bank had changed their story. Now this week we are receiving tons of mail stating they will be putting our home up for foreclosure if we do not become current on the " late payments ''. Also stating they reserve right to accept or deny our partial payments of the total amount due without waiving any of their rights including the right to proceed in foreclosure. I have also just now received a letter dated XXXX XXXX that US Bank has recently received my request to change my last name and asking for documents I have already sent them through email multiple times in the past year. We find it suspicious that all of a sudden when we are trying to refinance our home, now we are " late '' on payments and are receiving numerous letters Dating from XX/XX/XXXX through the XXXX of XXXX saying we could potentially lose our home through foreclosure. We have been making consistent payments since XXXX of XXXX when our forbearance was over. These payments have been processed and accepted by US Bank. All of which we have proof of. During our latest phone call with US Bank on Thursday XX/XX/XXXX with US Bank representative XXXX they had tried pushing us through a refinance program with US Bank. They had given us about three options and highly recommended we had made a decision over the phone immediately and would not send us these options via email. We had requested to have these refinance options sent to us through email so we could review closer if this was our only option, but were denied that request. | ||||||
| 12/09/2019 | Yes |
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| There was fraudulent activity committed on my account on Wed., XX/XX/2019. I was not notified by my bank whatsoever. I noticed me being locked out of my online banking app and I called the 1800 number that night when I got home from work in regards to me being locked out. They proceeded to tell me that there was a hold on my account due to fraudulent activity. The operator told me to go to my branch the following day ( XX/XX/XXXX ) and take my ID to get things resolved. I went the following morning to the XXXX XXXX XXXX branch in XXXX, IL. The banker told me that they were going to close my account due to my account putting their bank at risk for fraud. She asked me did I issue my login info to anyone and I told her that I did not. She proceeded to tell me that their would be a hold on my account to where I can not withdraw money but deposits are still able to be made. I told her that my work check would be deposited on the next day, Friday, XX/XX/XXXX. I called my job and they said they had already deposited the money that morning ( Thursday the XXXX ) and that the only way they could give me a paper check was if the bank rejected the deposit. I asked the banker could they put a hold on it for deposits to be rejected as well, she told me no. The next day, which was Friday XX/XX/XXXX, I called the branch to speak with a manager about me being able to take my deposit out of the bank during this investigation. I was informed there was a double hold on my account now that was put into place that morning. My direct deposit has already hit my account at this point. The bank waited to collect my direct deposit before placing that deposit hold on my account. I talked to the assistant manager who was very rude and disrespectful. She told me I had the option to pay the negative amount in my savings account to make it {$0.00} and then the hold would be lifted and I could withdraw my funds from the checking account. I didnt understand that. The asst. manager told em over the phone that she did not have time for attitude and that was the only option I had. I asked her for her name which she failed to give me and refused to give me. She told me if i paid the money that maybe, well see about giving me the money in my checking. I told her I would call the XXXX XXXX XXXX and let them know how rude and unprofessional they were. She proceeded to call me a fraud and tell me good luck with letting the XXXX know that I am a fraud and committed fraud on my own account. She then hung up on me. So on Saturday, XX/XX/XXXX, I went to her specific branch to try and gather and understanding as to how Im responsible for them giving money for a check through my online mobile banking app without my proper signature on it, and also Ive never had that much money in my account ever. They didnt call and verify this online check with me. They made {$200.00} available and the hacker withdrew that {$200.00} instantly through the atm. I should not be responsible for this {$200.00} because they failed to protect me through verifications. Now they are holding my money in my checking account. | ||||||
| 04/10/2023 | Yes |
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| On XX/XX/XXXX I signed up for US Bank 's XXXX XXXX checking account using a promo code XXXX. At that time, this promotion offered {$400.00} if I deposited {$3000.00} of new funds within 30 days of opening the account and keep it for 60 days, enrolled in online banking, and made 5 debit card purchases within 60 days of account opening. I have a screenshot of the offer page that show these terms, this promo code and that the offer is valid through XX/XX/XXXX. There is also a contemporaneous blog post that noted on XX/XX/XXXX that this same promo code had extended its expiration date to XX/XX/XXXX. I was approved and opened a XXXX XXXX checking account on XX/XX/XXXX. I've completed all the three offer terms above ( other than needing to wait a few more days for my $ XXXX deposit of new funds to have been maintained for a full 60 days ). Today, I asked US Bank to confirm that I would receive my bonus as expected. They, however, informed me that their system showed that my promo code expired in early XXXX and that I was not eligible for any bonus. I responded that I had a screenshot of the offer and could prove that it was valid until XX/XX/XXXX on the day that I signed up for the account. But US Bank refused to investigate and instead asserted that I would have to wait at least 105 days from the deposit of my $ XXXX funds for them to even inquire as to my bonus status. This is ridiculous for two key reasons. First, my dispute is whether I am eligible for the {$400.00} bonus associated with the offer at sign up. US Bank confirmed it believes that the code was expired, but it was not. There is simply no reason to delay resolving this issue and reviewing my clear proof that the offer was not expired and that I am eligible for the bonus. Second, this is clearly an attempt by US Bank to force me to continue to abide by their offer terms when it seems like they have no intention of honoring the bonus. By refusing to confirm that I'm eligible for the bonus, they are placing me in a catch-22. I either keep my funds there for another 45+ days to satisfy the terms of my offer ( even though US Bank won't award the bonus based on their system glitch ) or I withdraw my funds now given their bad faith actions but give them an excuse to say I didn't complete all the required terms of the the disputed bonus. It is ridiculous that that US Bank can refuse to confirm bonus eligibility for entirely nonsensical and arbitrary reasons. I will note that my husband signed up for the same account in late XXXX. He too had issues with US Bank refusing to honor its bonus and was only awarded the bonus he earned after 5+ calls with different agents ( all of whom agreed the conditions had been met ) and filing a complain with the CFPB. I should have known better than to bank with them again after that experience. So I am submitting this complaint to get the CFPB involved as soon as possible to avoid another long protracted battle over US Bank honoring its checking account offers. I suspect others have been similarly mistreated and would hope that they are made whole too. | ||||||
| 05/05/2016 | Yes |
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| US Bank accepted a deposit of a {$7200.00} XXXX XXXX check at its ATM on XXXX/XXXX/XXXX for our checking account. Shelter 's issuing bank is XXXX XXXX XXXX Bank XXXX XXXX. On the morning of XXXX/XXXX/XXXX our online access account information showed the funds available. This check was to replace the total loss of our XXXX XXXX XXXX When we tried to buy a replacement vehicle, the transaction was denied. When we called US Bank customer service, we were told a Fraud alert was place on account but we could go to a local branch to have the funds released at the manager 's discretion. That XXXX branch manager, said it must be done by our designated home branch manager. That manager said it would need to be released by the Fraud department. The Fraud department told us they tried to call XXXX XXXX XXXX Bank XXXX to verify the funds. When the XXXX bank refused, as they were instructed by XXXX XXXX to refer the call to their Home Office, the Fraud department place a hold on our account for seven business days. After XXXX hours of customer service, fraud, and local branch phone calls, we were told the branch manager of our home branch had the power and discretion to release the funds. XXXX at the local branch said we needed to have someone from the issuing bank verify the funds. We had the XXXX XXXX Home Office manager in charge of clearing checks, XXXX XXXX, XXXX, talk to the local branch teller, XXXX and branch manager, XXXX, XXXX, to verify the funds. The XXXX bank called them as well. The branch manager, XXXX, told us she would not release the funds, even after the money was received from the issuing bank due to bank fraud concerns. In the meantime, our account remains suspended. The branch manager claims their action is for our own protection and their against fraud. We are new to their bank, less than a year, but the excuses we received make me shake my head in wonder. Because we are newer accountholders, and the size of the check is larger than previously deposited, and the fraud department made the security determination, they would not accept the assurances of the other bank, the insurance company or us that this was not a fraudulent transaction and used the protocol of holding funds to shield their actual discretion. Amoung the numerous calls we made and the in person experience at the XXXX branch, we were told the funds would be released on the XXXX, XXXX and then XXXX. They are sticking with the XXXX. US Bank is holding our funds hostage to prevent the purchase of the replacement car, groceries, and whatever else we might need for the principle of fraud protection. I own a home, I have my XXXX children, and my wife has her XXXX children. We are both employed. We previously transacted our banking with a credit union. The replacement vehicle is essential to our health, well being and employment. The implication of their anti-fraud effort is insulting and unnecessary. They obviously do n't want our business, but they also need to release these funds. XXXX XXXX already released the funds so they can not replace the check issued for this deposit. | ||||||
| 07/18/2016 | Yes |
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| This is an addendum to my original complaint number XXXX. My last " dispute '' regarding this number was made on XXXX XXXX, 2016 in a phone call with XXXX. Since that time I have tried to contact US bank at their corporate office as well as at the Oregon phone number they gave me for their District Manager. I have been unable to reach anyone over the phone. I wanted to speak with someone who could tell me where I could send my documentation that REFUTES allegations made in their letter dated XXXX XXXX, 2016 written by a XXXX XXXX at the corporate office in XXXX XXXX, Minnesota. I have been told by XXXX different switch board operators at XXXX different offices for US Bank in Minnesota that it is Company Policy to NOT give out phone numbers to Consumers ... I find this to be a very " NON-transparent way to run a federally regulated bank. I was even told that they could not give me ANY information on how I might contact their legal department either by phone, email, or regular mail ... .I have made every attempt to try to get my documentation into the " right '' hands at US Bank so that they can see that their " representation '' of the way things happened since THEY, US BAnk, reported me dead on XXXX XXXX, 2016 are in fact false and misleading. It is obvious that they have no desire to get this matter corrected and refuse to accept their culpability by simply in a very benign way ( avoidance ) to created obstruction to my efforts to resolve a variety of issues that have arisen since THEY, US BANK reported me dead on XXXX XXXX, 2016 ... .I made a call to XXXX and then to XXXX on XXXX XXXX, 2016 without any result other than to be told by both operators that they were not allowed to give out phone numbers or any other information including how to reach their legal department. I believe that federal regulations should NOT allow this kind of lack of Transparency ... .Because I have been unable to make contact with anyone regarding my issues with US Bank , I am next going to file a complaint with the OCC/Department of the Treasury regarding my experiences with US BAnk. Please consider this as additional issues with US Bank that began with US bank reporting me dead to XXXX on XXXX XXXX, 2016. Additionally, I again, had my XXXX XXXX credit card used fraudulently on XXXX XXXX and XXXX XXXX, 2016. Because purchases totalling nearly {$4500.00} were made on my card, online fraudulently, I believe that the issues created by US BANK are still 90 days later continuing to create credit problems and undue stress and I believe that someone at US BAnk needs to be held accountable and that US BANK needs to step up and do whatever it takes to rectify a problem that was initially created by them!!!! It is obvious by their " avoidance '' to actually allow me to present my documentation to them and/or to speak directly to a person in their legal and/or auditing department, that US Bank needs to be reprimanded by someone and somehow ... The abuse that I am being put through as a result of the " ERRORS '' made by US Bank need to be put to an end SOONER RATHER THAN LATER!!!!! | ||||||
| 04/21/2021 | Yes |
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| This is a follow up to my original complaint ( # XXXX XXXX filed back in XXXX or XXXX of 2020. I did receive an official response from US Bank on XX/XX/20 and it was an insufficient reply and of course there were key pieces of communications they could not locate when they reviewed the claim which I submitted in my original complaint. This is a blatant denial of culpability on US Bank 's part and further evidence of their refusal to perform their obligations as a PPP loan processing financial institution. I have since been trying to resolve this issue w/ US Bank by trying to reach their PPP Liason which no one seems to know who it is, how to contact this person or how to find out who this person is ... I have reached out to the XXXX several times and have had many conversations with the SBA. I was told specifically that US Bank DOES HAVE the authority and ability to contact the XXXX to review and revise any previously funded loan that may have been erroneously calculated. US Bank 's reply stated that is is the borrower 's responsibility to provide accurate numbers and loan amount and this is in fact not the case. It was my responsibility to submit income information, it is the responsibility of UD Bank to assure the proper loan amount is calculated and in this case they did not and then they misinformed me of my follow up resolution options. I have all the documentation to prove how poorly US Bank handled this process, which I submitted in my original complaint and they chose not to look into or acknowledge. I have attached US Bank 's reply to my original complaint and have highlighted the area where US Bank is at fault and is evidence of them neglecting to own up to their responsibilities. US Bank is in direct violation of their responsibilities and obligations as a financial institution authorized to process PPP loans. done so in error. Furthermore I was told that it is the sole responsibility of US Bank 's to initiate this action which can simply be done by a US Bank PPP representative simply contacting the XXXX with a request to reopen and review the loan. I was further told that I would have a difficult time in finding anyone at US Bank who would be willing to do this because it is a tedious process. I am plainly being denied the opportunity by US Bank to rightfully receive the appropriate funds due me through the PPP program which was set up to help small businesses effected by the pandemic such as myself. In closing, I'd like to CFPB to pull my originally filed complaint that contains date specific events and details that will support this second complaint. This previous process did nothing but provide US Bank a forma ; platform to reply and deny any wrong doing which I can prove where they have made several errors. I am looking for a more in depth and in person resolution option this time as opposed to a blanket emailed letter from US Bank denying any wrong doing. I look forward to your prompt reply and hopefully a more in depth involvement in bringing resolution to this matter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX | ||||||
| 07/14/2020 | Yes |
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| On XX/XX/2020 between XXXX XXXX and XXXX XXXX a female customer service person I spoke to assured me that she could overnight a reliacard to a physical address that was not in their system. Please listen to the recorded phone conversation. I gave her my physical address even though I have a P.O. Box listed as my address, and she repeated my address, and then she stated that she submitted my card request and the cost would be {$15.00}. There is more, but please listen to the recorded phone conversation. Something was bothering me about that call since I had to fax my P.O. Box address to Relia on XX/XX/2020. I tried all day to reach customer service a Relia, and finally, I got through between XXXX XXXX - XXXX XXXX. This time a man ( Reliacard customer service rep. ), answered the phone, and I asked him to give me the tracking number for the overnight reliacard I was expecting on XX/XX/2020. Keep in mind, that I have not received funds for 7 weeks. The male customer service rep gave me a tracking number of XXXXXXXX and told me the card would arrive on XXXX/XXXX/200 via XXXX. I also verified the tracking number with the male customer service rep. and he told me the tracking number was correct. Please listen to the recorded customer service phone number. That means in on day on XX/XX/2020 to separate customer service representatives deliberately lied to me about where they could overnight the card, and later I received a false XXXX tracking number. Why? I need the PUA money that is piling up on the card, and thousands of other people need the PUA money to take care of their bills and families. Why are Relicard customer service reps lying to people in need about the money we are entitled to during this pandemic? The female customer service rep I spoke to this morning ( Pennsylvania time ) overnighted my card to a P.O. Box that I am now told I probably will not receive because Relicard/Card Services don't overnight cards to P.O. Boxes. I don't know when I will receive the card with almost 8 weeks PUA benefits on it, but two people have deliberately interfered with the timely process of my receiving financial assistance. Please help. I spent all day yesterday and today trying to get through to customer service only to receive made-up information. Tampering with or delaying individuals from receiving Pandamic benefits should be a crime. Thank you, Chrys ( Customer Service Rep. ) for your assistance in getting to the truth, checking notes, and trying to find out where my card sent this morning at the hands of the female rep. I hope my card does arrive at my P.O. Box tomorrow even though you stated and a another rep. yesterday said Relia card does not overnight to P.O. Boxes. If the card doesn't arrive tomorrow I will look for in 7 - 10 days. I need the card to come tomorrow. Please investigate these two customer service representatives at U.S Bank Relicard and listen to the recorded customer service calls on XX/XX/2020. Tampering with PUA benefits ... This should not be happening! Please email me with the results. Thank you, XXXX XXXX XXXX XXXX | ||||||
| 06/23/2022 | Yes |
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| I leased a XXXX XXXX XXXX, with XXXX XXXX and my lease was up in XXXX of XXXX. My lease payments were with US Bank. I asked for an extension, and was granted up to 6 months ( XX/XX/XXXX ) It was explained to me that it could be turned in at any time during those 6 months but that XX/XX/XXXX was the deadline. I went to lease a new vehicle in XX/XX/XXXX and turn my vehicle in. I spoke with the dealership the week of XX/XX/XXXX, at which time they contacted US Bank for the payoff amount. It was {$16000.00}, that amount was to be good til XXXX XXXX, which XXXX sent the check to US Bank on Monday XXXX, dated on that day, and they had told US Bank it was in mail. I clarified with XXXX, finance person, at XXXX on XX/XX/XXXX when I turned vehicle in and picked up my other lease, that it was being paid in full, and he said yes, I was clear, I owed nothing more. Then on XX/XX/XXXX US bank took an automatic withdrawal car payment out of my checking acct. I called to tell them I had turned it in and was given the all clear. They stipulated that they did not receive the check in time. But the check was received for {$16000.00} they amount for payoff that they quoted. So they essentially received full payoff and an additional payment of {$210.00}. When I first contacted, and they said I needed to file a formal dispute but that it ( {$210.00} ) would likely be returned when they caught their error. Filed dispute with them per XXXX. I received a letter saying my dispute was denied. I called and filed a new dispute ( per XXXX ), she seemed to completely understood the issue and said " she just didn't think that it had been adequately explained in the first dispute, but that she would better explain it, the best she could in the space she had on form ''. She was in agreement that they received the check and it was for payment in full and that another payment should not have come out. She said they were required to notify in 7 days and gave me a tracking number. I had not heard after 7 days ( and have not ever received 2 denial letter in mail ) so I called and spoke with XXXX, he reviewed the file and laughed saying " I was denied again '' and explained they probably would not be returning the money. I further explained that they accepted the {$16000.00} as payment in full and shouldn't have taken any more money, that my lease was definitively over on XX/XX/XXXX as it had been thoroughly explained to me it could go NO further. And that I had turned vehicle in on XX/XX/XXXX. He said I could file a 3rd dispute and I said I wanted to do so, he laughed again saying " good luck ''. He said he would file it but would also, connect me with the " end of term dept ''. He then hung up on me. And he never filed the 3rd dispute. I have also, spoken to XXXX and the called US Bank on my behalf as well and gotten the same run around. I do have a copy of the email payoff quote they were given the day my vehicle was turned in. I just feel as though they not only received full payoff, as quoted, but an full additional car payment. I do feel as though I am due that {$210.00} back. | ||||||
| 04/27/2020 | Yes |
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| On XX/XX/2020, I opened a checking account with US Bank online. I funded it with {$50.00} by debit card, and to reach the {$1500.00} minimum balance to avoid maintenance fees, I deposited a {$750.00} check on XX/XX/XXXX and a {$700.00} check on XX/XX/XXXX via mobile check deposit and drawn on another bank account of mine elsewhere. I had to do separate deposits as there was a {$750.00} daily check deposit limit. A few days later I received letters stating these checks would be held and not available for 7-10 business days, as I expected as it was a new account. Then on XX/XX/XXXX, I received a letter from the unnamed branch manager of the XXXX XXXX XXXX branch that my account was being closed due to suspicious and irregular activity. I was very surprised and confused, so I called the branch phone ( XXXX ) as the letter instructed, and could not reach anyone. I then did some internet research to find that XXXX XXXX was the manager of the branch and emailed her asking why my account was being closed. She called me a couple hours later and explained that if I read the account disclosures, I would know that the bank can close an account for any reason and that the reason was that most people don't make two mobile check deposits within a day of each other for about the same amount. I explained that the checks have already cleared my other bank ( XXXX, on XX/XX/XXXX and XXXX respectively ), and why the account needed to be closed since a hold is sufficient to ensure the checks are good. She insisted that it was suspicious and that if I wanted to come to the branch that she would help me read the disclosuresa sarcastic remark I did not find helpful. She said my employer direct deposit that was paid that morning would be returned to my employer ( which was incorrect ) and the balance would be mailed via check in 10 business days. I did receive my paycheck back from US Bank on XX/XX/XXXX ( 18 days after it was paid to my account ) via US Bank certified check by mail in the amount of {$620.00}. Since then, I have not received the remaining {$1500.00} of my balance, over a month after these deposits cleared. On XX/XX/XXXX, I emailed the XXXX as instructed by the check letter, along with supporting documentation, and demanded my remaining balance. I received no reply. On XX/XX/XXXX, I received a final account statement via mail showing a final withdrawal on XX/XX/XXXX of {$1500.00} with no description other than " 32/ [ my account # ] ''. I called the main customer support line at XXXX and spoke with a XXXX who could not provide any information on where my {$1500.00} was and what the withdrawal transaction was. She referred me to call XXXX where I could not reach anyone. For over a month, US Bank has frozen and closed my account and continues to withhold {$1500.00} of my money due to no fault or wrongdoing of my own. As a public accountant and ex-banker who has never once overdrawn an accountmuch less passed a fraudulent checkI am floored by the fraudulent ineptitude of this bank and of XXXX XXXX. Please help me recover my {$1500.00} from US Bank. Thank you. | ||||||
| 02/10/2021 | Yes |
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| My sister XXXX XXXX XXXX passed on XX/XX/XXXX. I contacted US Bank the first of XX/XX/XXXX to report the death of my sister who has a mortgage with US Bank and I was named Executor of her estate in her will. Her husband 's ( XXXX XXXX XXXX ) death was 15 months prior to hers. The bank stated they could not talk to me until they received 4 documents ( sister 's death certificate, copy of the property deed, my birth certificate and Court Executor appointment letter ). The Court letter was delayed due to COVID and not received until XX/XX/XXXX. I provide them 3 of the documents but not my birth certificate as my relationship was established and indicated on the provided death certificate. I tried numerous times to get US Bank to discuss general options to resolve this estate that has no assets. In calling the US Bank XXXX number numerous times the person that I would be finally connect to after going through numerous automated options would not know how to assist and would place me on hold and after 10 minutes would dump me back to the automated call system to start the process again. I even tried talking to a supervisor and the local branch and got no where. The bank provide me numerous excuses like short staffed because of COVID, XXXX of the month is a busy time for them and so on. On XX/XX/XXXX I finally get a call from US Bank Life Event Specialist that indicated she would help me through the process. I found this very frustrating that no one at US Bank knew this Life Event Specialist existed in my previous 3 months of attempts to talk to someone. The estate has to pay the utilities to protect this property until the bank either allows me to sell this property or repossess the property. I did secure a cash buyer ( US Bank was made aware of the cash buyer in XX/XX/XXXX ) for pay off ( I believe the payoff to be {$62000.00} before interest and late fees ) of the mortgage but US Bank will not provide the payoff. On XX/XX/XXXX a Mortgage Specialist called me and indicated US Bank had everything they needed and someone would contact me the week of XX/XX/XXXX. Never received a call. On XX/XX/XXXX I contacted US Bank again and my call was conveniently dropped twice on the third call the person stated there was nothing they could do and there was no one available to assist as the XXXX of the month is a busy time for them. I then reached out to the US Bank Life Event Specialist and she stated she would talk to a Mortgage Specialist and they would call within 4 days, no one called. On XX/XX/XXXX I called again and this time was informed US Bank needed the death certificate for XXXX XXXX XXXX ( my sister 's deceased husband ) which was never mentioned previously. Every time I do get through to a live person the process starts all over again and the requirements they need changes. The cash buyer has even emailed US Bank CEO who stated there was nothing he could do to help. I provided a 2 page letter with all of the dates and times to US Bank still no call. I can not believe this is the first mortgage holder death that has occurred on one of their mortgages | ||||||
| 07/07/2018 | Yes |
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| This is a complaint against US Bank. I have had a business checking account with them as XXXX XXXX for over 25 years. I have over that time deposited more than a million dollars worth of clients checks in the process of running my business. I have used both the ATM and in person tellers to make these deposits. I have two complaints to make regarding events around deposits that have happened recently. The first occurred in XX/XX/2018. I deposited a check for XXXX. I understand that there is a period of time before the check would clear my clients bank and the funds would become available for my use. I waited until the funds changed from pending to actually available in my account as I could see using my direct online portal access to my checking account. When I saw the funds available I made an online payment to one of my suppliers for XXXX. Two days later the original funds were withdrawn from my account and put in a pending state again. When I called to find out what happened they said that the check was flagged and an additional seven day hold had been placed on it. Needless to say this was extremely frustrating and no one was able to explain why or help resolve the issue in a timely manner. Consequently my supplier payment was not covered and I had to deal with NSF fees for this. Finally the check did clear and the funds were available and except for the fees I was charged ... things worked out. The second event occurred this last week and is still unresolved. I deposited a check for XXXX ... from the same client as above. This time I was more suspicious so I waited and again after a few days the check cleared and according to my online bank access I had the funds available. Great .... so I wrote about XXXX worth of checks to my sub contractors for work they had done. Two days after this I was informed the funds were once more removed from my account. This time after a couple more days ( XX/XX/XXXX was a Wednesday and so there were less banking days last week ) I was told that the check was removed and returned because it was not endorsed correctly. I made this deposit in a US Bank branch ATM the way I have done thousands of times before. I have never in 25 years signed the back of one of my checks made out to XXXX XXXX .... even when making a deposit personally with a teller ... .. Anyway this was the last straw for me. I got absolutely no explanation for how this could have happened ... in fact no help at all from my bank manager .... except to say that an official copy of the check would be sent by mail to me and I could endorse it correctly and redeposit it .... This is completely unacceptable to me and find my self at a loss as to what to do. I need these funds to be able to run my business and this kind of delay and appropriation of my time to try to resolve the issue is beyond belief .... I'm sorry but I really feel at the affect of these circumstances and unable to do anything to help myself except wait for the Bank 's mistakes to play out .... Is there anything else I can do to help make sure this doesn't happen to anyone else? | ||||||
| 05/29/2020 | Yes |
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| My mother passed away in XXXX of XXXX and willed the house to my sister and I. My sister and I agreed on a plan to pay-off the house. Unbeknownst to myself she stopped paying the mortgage for a few months and the balanced skyrocketed. Since the beginning US Bank Home Mortgage has dropped the ball. There was a whole debacle in regards to successor in interest which was proved, but each time they called they insisted on asking for a deceased person even though I provide my name and contact info and let them know my mother was deceased yet they continued to call my phone each time and ask for her. I was told they couldnt speak with me after wasting my time calling me and asking me to verify information because they didnt have the proper information documented or trained their call center properly. I sent in a payment of about XXXX back in XXXX to bring the balance current and to finish paying off the loan. They rejected the payment on the grounds it wasnt sent the right way, yet and still I sent the money western union quick collect. It was a total fiasco, because the money got held up for additional time which in this case time was of the essence yet there was a total disregard for the consumer or the fact that interest and time was running up and wasting away. I decided to give up. So, about a month ago they started harassing me again being that the house had went to into foreclosure. This caused me XXXX XXXX and XXXX and made me XXXX. I decided to give it one more shot. I call around the XXXX and XXXX of XX/XX/XXXX and requested how much it would be to pay off the foreclosure which I was lied to because like I said these random unknowledgeable people they hire that are learning on the fly about the rules and regulations because NO ONE knows whats what and is constantly transferring you to the wrong department thats always closed anyway. Anyways, I was emailed what I was told would be the payoff amount the amount that would be needed to clear the debt, but when I called back just to double check because the language of the letter was ambiguous and again none of their call center reps know whats going on and low and behold I was told that what I received was NOT a payoff quote, when that what I specifically asked for but the reps on the line XXXX, XXXX, and XXXX all told me I was lying after reviewing the phone call and would not let me listen to they call because I know what I requested ; what would be the point for anything else. I can tell they were passing the phone to colleagues etc. just to get me off the phone per usual. Id like this company investigated for their policies and practices. Id also like a full investigation into what is going to be done versus keep trying to pass this fault off on the consumer. Whos going to hold US Home Bank Mortgage accountable? Something needs to be done starting at the top all the way to the bottom because in a situation with a mortgage it needs to be taken more seriously instead of hiring a whole bunch of half trained underpaid people that dont care about what theyre doing. It is absolutely ludicrous. | ||||||
| 05/19/2023 | Yes |
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| I will start off by saying I am a previous XXXX XXXX XXXX XXXX. I feel like each time I have a situation that is out of my hands that involves needing a banker, I have a hard time getting good customer service because of this. I feel like they are discriminating against me because of me being a previous XXXX that they may not necessarily like or agree with. However when it comes to bank errors, I do not feel like I should be treated like an employee but rather a customer.. The most recent happened today. Over last year. I randomly have paper statement fees hit my account. I believe today was the 4th or 5th time. I have asked more than once for an audit of my accounts to make sure that all of my accounts have the fees being waived. Each time I call in, I am being told that it is something on my end and that they will be willing to waive the fee just one more time. They are constantly asking to remote into my phone to verify that I am not lying when I tell them how my online banking is showing.. However when I ask them what I am doing they can not give me an answer.. Today when I asked what would happen If I got a fee again the employee told me they would have to escalate it to a department higher to figure it out, And/or the fee would not be waived again. I asked if they would just escalate it today so that this is not happened later.. I was constantly put on hold so that the employee could talk to her manager, with whom I have had problems with in the past. The first employee told me she would escalate it but then the XXXX came on the phone And through our conversation she told me She never said she would escalate it and that that first employee was not being truthful, But she can note the account of our conversation. She also told me this would be the last time. They have a fee reimbursed even though they don't know why I'm receiving them.. This is just XXXX of many situations that I am constantly having a problem with.. Last month I had a problem with fraud on the account and I was told to call the XXXX # Because the manager doesn't like when the employees help me out. The XXXX number told me it sounded like a branch issue and I went back-and-forth trying to get help wasting my time. I was also told that I needed a contact XXXX in regards to my dispute even though I am not the one that committed the fraud, they expected XXXX to help me, which of course XXXX declined. A time before this I was shorter {$2000.00} while doing a withdrawal which I understand happens however as the cash was being given back to me, i was Told I need to be more Careful And not just take the cash being handed over the counter because next time I won't get my money back... Even though they were aware I was the customer that they shorted.. Apparently because I was an employee I should know better and the customer service is on a different level. I am stuck with having my checking accounts at US bank because my mortgage is there. However I would like my Home branch to be transferred to a different location, I no longer want to deal with this branch or this manager. | ||||||
| 01/24/2023 | Yes |
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| In XX/XX/XXXX while reviewing my credit monitoring report, I noticed an entry that a US Bank account ( joint account with my wife ) was closed. I asked my wife if she knew anything about this and she did not. The next day she made an appointment with our neighborhood US Bank branch in XXXX, WA to investigate this issue. She asked the US Bank employee for more information and he pulled up our account on his computer. He said, It looks like your husband took out nearly all your money. He printed off a copy of the transaction and pointed out the customer signature line. My wife looked at it and remarked, Thats not my husbands signature!. The account had a balance of {$87.00} on XX/XX/XXXX. On XX/XX/XXXX, there was a fraudulent withdrawal of {$87.00} to this account to leave a net balance of {$0.00}, an amount below the monthly maintenance fee assessed for a low balance ( {$6.00} ), but not enough to close the account. The withdrawal occurred at a branch office over one hundred miles from my home. When she brought the copy of the transaction to show me, the signature was obviously forged and not a very good one. My wife contacted US Bank again and the bank employee suggested we fill out two fraud investigation forms, ( Unauthorized Paper Debit, and Affidavit of Unauthorized Paper Debit ). We did so and submitted the paperwork to the XXXX, WA US Bank branch. Several weeks passed and we did not hear anything so my wife called the US Bank fraud investigation number to check on the case. The fraud office denied our claim and said that we should have caught it sooner. I have not visited any US Bank branch in years and have never withdrawn any money from this account. The debit card has never been used. This account has had very little activity and no checks have been written on it in years. I have not had any identity theft issues with any of my other financial accounts nor have I lost any personal forms of identification. Because of the low-level amount of activity on this account, the only other people besides my wife and I that know of this account are US Bank employees . I believe I know what happened. A dishonest US Bank employee was looking for inactive US Bank accounts with low balances in the event the account owner had forgotten the account or was now deceased. The employees goal was to embezzle the money from these accounts in the hopes no one would notice the loss. The employee ( or accomplice ) forged a withdrawal in an amount slightly under the account balance, which he had knowledge of. The remaining balance is now at an amount less than the amount of the maintenance fee for the next monthly accounting cycle. Once the next monthly accounting cycle completes, the new balance ( below the monthly maintenance fee ) is too low and the account is closed. {$87.00} is an unusual amount to withdraw and ATM machines cant do this specific amount. Then leave only {$0.00} left in the account? The forged signature is proof the fraud was perpetrated in person at a US Bank branch and not a result from an account that was electronically hacked. | ||||||
| 05/04/2022 | Yes |
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| I was a joint/equal account owner for the lifetime of a bank accounts with my business partner XXXX XXXX at US Bank XXXX Statements are attached. On the XX/XX/XXXX the statement showed a balance of {>= $1,000,000}. On XXXX XXXX the statements showed a Branch Account Transfer to another account within US Bank for {$700000.00} without my knowledge. I checked the account balance on each accounts on XX/XX/XXXX. The one ending in XXXX showed {$140000.00} & the other account ending in XXXX showed {$97000.00} which equals {$230000.00}. When I discovered this I went to the US Bank XXXX XXXX XXXX XXXX, MO XXXX branch on XX/XX/XXXX to withdraw the balance. XXXX was/is a manager whom I had a personal relationship with because I saw her almost every day. She asked me personal questions like " why was I withdrawing '' & " what was I doing ''? She issued me a cashiers check for {$230000.00} and then pulled it back & said there was fraud on the account & said she wanted to call XXXX. So I went to Commerce bank & deposited XXXX checks totaling {$230000.00} ( attached ) .They ended up bouncing because it was very apparent XXXX did indeed call XXXX to inform him of my withdrawl. A statement show he went the SAME day XX/XX/XXXX & transferred {$130000.00} & {$96000.00} totaling {$230000.00}. There CAN NOT be FRAUD on an account with my name. One account holder can not be accused of fraud by the other account holder. I was NOT listed as fraud & therefore should have been no hold on the account. It makes no sense why XXXX was able to move money without my permission, but when I tried to move money as an EQUAL owner, the bank called XXXX. The money in the accounts were supposed to be my retirement. XXXX had no right to do what she did! My husband was there at the time as a witness. XXXX has since passed away last XXXX. On XX/XX/XXXX my husband & I had a meeting with the Branch Manager XXXX XXXX ( XXXX ) XXXX & explained the problem. He seemed very confused with no answers, but said he would get back right away. XX/XX/XXXX I left a voice mail & emailed & XX/XX/XXXX & again on XX/XX/XXXX with no response. ( also attached ) XXXX finally called me XX/XX/XXXX & said there were no records of the transaction & that XXXX didn't remember the transaction of me trying to get the cashiers check on XX/XX/XXXX or about the fraud situation. I told XXXX I didn't believe the bank wouldn't keep a record of a cashiers check for that amount of money. He said he was sorry & that was all he could do - nothing - especially NOT being able to provide me with a copy of the cashiers check. He transfer me to customer service which was no help at all. I asked for his manager- XXXX XXXX ( XXXX ) XXXX & left him a vm on XX/XX/XXXX & he never called back. I feel as if I was being avoided. This whole situation is poor customer service & I deserve to have my money back! It makes NO sense one person on a joint account can move money without my permission, however when I as a joint account holder try to move money US Bank said fraud on accounts. I believe XXXX had no business calling XXXX. | ||||||
| 01/26/2023 | Yes |
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| We have had almost {$17000.00} stolen from us due to the misinformation given to us by USBank. This money is meant to feed and care for our children and help cover our relocation costs after this move but at the moment we are in dire financial straights. We listed our house for sale, mortgaged with USBANK, in summer of XXXX. In XXXX we called to find out what was in our escrow account as we were considering a offer and our realtor suggested we look at what our escrow refund might be. We called USBank to ask about the escrow account and were told the account had {$4900.00} in it, on our realtors recommendation we asked if everything had been paid out already and were told yes. So we expected the refund to be fairly large since they said everything had been paid. That offer fell through so we didn't close in XXXX as we hoped. In XXXX we had another offer. We called for a payoff amount so that we would know what offer to accept. We had taken a Covid forbearance in XXXX, which we knew would be due to be paid on sale of the house. We asked specifically when we called for the payoff, if that covid forbearance amount was included in the payoff amount given, and were told by multiple people that it was included. The amount we were given in XXXX for the payoff was {$130000.00}. Based on that amount and the expected escrow refund we accepted an offer in XXXX. XX/XX/XXXX, we noticed the escrow amount had plummeted down to {$570.00}. We were shocked and angry so called to find out what was going on. Discovered that disbursements were made mere days after we were told all of them had already been made in XXXX and had continued to be made through XXXX. This left us with a pittance of the refund we had been told we could expect. We called multiple times and all they could tell us was too bad, what's there is there. We were never transferred to an escrow agent, or anyone in that department, we took what they said at face value and made financial decisions based on the numbers they gave us and the expectations that were given as well. Closing was set for XX/XX/XXXX, but when we received the closing disclosure form we saw the covid forbearance separated from the mortgage payoff amount in the form of a HUD loan, listed at XXXX, this brought our total payoff amount to {$140.00}, XXXX. All of that coming from our profit. We called USBank, who sent us to HUD, who sent us back to USBank, everyone saying too bad that's what's there is there and we can't change anything. We called again and filed a complaint after talking to multiple senior agents and supervisors in the escalation circuit. We were told along the way, by the staff and with condescension, that everything is our fault for just making poor business decisions. That complaint XXXX result in reviewing phone calls but will take up to 30 days and at this rate they XXXX say the same things even if they review their agents call records telling us what we've said. At this point I have no confidence in USBank or their staff to make this right and am relying on others to step in and get our money back. | ||||||
| 10/01/2018 | Yes |
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| Attached you will find receipt of timely monthly payments since mortgage inception dating to last XX/XX/XXXX. XX/XX/2018- we arranged to change our Home owners insurance to a new company. to begin XX/XX/XXXX. When we received a refund check from our old Home owners insurance company and we contacted US Bank to ask them how to proceed, they stated it would be faster for us just to pay a years premium and send them a copy of the receipt and gave a website and pin information to log in with that receipt. We purchased the years insurance and sent the copy and new insurance information XXXX18 at XXXX. XXXX stated they received a duplicate payment on XX/XX/XXXX for the {$2300.00} from our Mortgage company. Meaning after they instructed us to pay the year premium they did also. The mortgage company monthly payments still reflected the outrageous premium from our old home owners insurance provider and refused to adjust the paperwork they had received but acknowledged that we had a new insurance provider. The Mortgage company was only trying to continue our escrow reflecting the outdated amount, they were now including a charge for the overpayment of the homeowners insurance which was the result of THEIR overpayment. Our new insurance company returned the overpayment to us instead of back to the mortgage company, which we sent back to the mortgage company via 2 day Fed ex to arrive on XX/XX/2018, tracking number XXXX. We were in contact with the mortgage company many times during the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto get this issue resolved, which they would not allow contact with any upper management or supervisor and they refused to adjust the account. They stated they review escrow once a year unless an adjustment is specifically requested. We stated that they had received the new information which greatly reduced our premium and would actually result in lowering our escrow a bit, and they were responsible for updating account information as it was received. I have made my monthly payment as to the paperwork signed in mortgage every single month, and they have begun to withhold my payments and send me letters that stating that I have not made a mortgage payment for the month with is utterly false and their own records SHOW they received the payment, they just wont apply it. It is now XX/XX/XXXX, they still have not made all the necessary updates that any professional company should regarding customer accounts PLUS they are harassing me two to three times a day with phone calls stating that I am behind on my payments and threatening continuously to damage my credit report. XX/XX/2018 They told me they would have the account straightened out by XX/XX/XXXX and would send a new statement reflecting the updates. I told them that if they didn't get this figured out since it was their departments I was filing a complaint with their regulator, and I did file a complaint with the OCC on XX/XX/2018. I received a letter from the OCC stating they were turning the issue over to the correct department and have never heard back. PLEASE HELP. | ||||||
| 11/03/2023 | Yes |
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| On XX/XX/XXXX, we discovered that U.S. Bancorp Investments , Inc. had withdrawn funds from our escrow account without authorization to pay property taxes on a property that we don't own. The situation is complicated, as the property is located in a different county than our home mortgage with US Bank. We immediately contacted US Bank to report the error, but they were evasive and unhelpful. We had to take matters into our own hands and contacted the XXXX XXXX Treasurer to prevent the legitimate owner of the parcel from being reimbursed with funds from OUR ESCROW ACCOUNT. Not only did US Bank 's wrongful payment jeopardize the integrity of our escrow account, but it also imposed an unnecessary and unjust financial burden on us. Despite our repeated attempts to contact US Bank, they provided unsatisfactory responses and showed a dismissive attitude towards our concerns. We demand a coherent explanation for this egregious error. On XX/XX/XXXX, we filed a formal complaint with CFPB after more than a week of dealing with US Bank 's failure to provide relevant details. On XX/XX/XXXX, we still hadn't received any documentation about when or HOW US Bank received the incorrect information. It wasn't until we received a phone call from the XXXX XXXX XXXX on XX/XX/XXXX that we learned that US Bank had contacted them requesting reimbursement for the erroneous tax payment. As a licensed real estate agent, we understand the required documentation to close any transaction. We are confident that the missing " legal description '' in the Title Commitment is not the reason for this catastrophic error two and a half years after the loan originated with US Bank. US Bank is trying to place responsibility for the missing legal description, which is unacceptable despite the absence of legally recorded documents validating their claim. The historical snapshot US Bank attached to their response was irrelevant and did not add value to their explanation. We have access to our own US Bank mortgage account, and we are perplexed as to why US Bank paid ONLY on the correct parcel since the loan originated on XX/XX/2021, if they received the incorrect Tax Parcel ID at closing. Why did US Bank wait XXXX years to pay taxes on the additional parcel? When was the wrong parcel added to our account? Why would US Bank allow two properties, especially one without proper documentation, to be associated with one mortgage account? The lack of transparency and accountability that US Bank has demonstrated throughout this ordeal is deeply troubling. They have shown no willingness to accept responsibility for their blatant mistake, which violates our consumer rights and represents a fundamental breach of their fiduciary duty. We insist that US Bank provide the requested documentation that accompanies their explanation for the error instead of blaming it on the missing legal description. If we hadn't reviewed our escrow account carefully, this wrongful payment would have gone unnoticed, allowing U.S. Bank to continue making unauthorized payments without repercussions. | ||||||
| 02/06/2020 | Yes |
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| Id like to report a consistency of errors regarding my balance for my U.S. Bank credit card account. I first noticed the incorrect balances three months ago in XXXX when I reported my first dispute ( file number XXXX ) on XXXX XXXX for my XXXX. Then I realized that the balances for 3 consecutive months starting XXXX to XXXX have been wrongly reported and I been disputing them once a month and STILL have not received correct information reported on my credit score, even after submitting the disputes. The balance on my statement dated XX/XX/XXXX was at first very different from the balance reported from my U.S. Bank credit card account on XXXX. My statement balance is {$230.00} while XXXX XXXX reports a balance of {$380.00}. I submitted a dispute to XXXX for the inaccuracy of my balance on XX/XX/XXXX ( file number XXXX ). Later, on XX/XX/XXXX, a report balance of {$380.00} was reported on my XXXX and unfairly decreased my credit score on there too ( I have not checked XXXX, but you can imagine my worry and frustrations ). On XX/XX/XXXX, my dispute investigation was completed, however, it was still reported incorrectly. The new report balance is {$250.00} for XXXX assumed statement but I still have proof that my statement balance is {$230.00} as I stated on my dispute submission. Then on XX/XX/XXXX, my statement balance is a credit of {$190.00} because I overpaid and have received a credit for this amount on top of my credit limit. However, XXXX reports a balance of {$370.00} reported on XX/XX/XXXX. I submit a dispute explaining that my statement balance shows $ XXXX because it is shown as a credit. After my dispute investigation was complete, nothing changed in my credit score or my balance for this account, though it was labeled completed. It is clear that this incorrect action comes from the U.S. Bank Credit Card Member ServicXXXX rather than XXXX XXXX/XXXX/XXXX/XXXX. On XX/XX/XXXX, a XXXX report for my U.S. Bank Credit card shows a balance of {$490.00} whereas my statement balance dated XX/XX/XXXX is {$140.00}. At this point, I am very tired of creating numerous disputes and want to take immediate action by reaching out to U.S. Bank Credit Card Member Service as well as submitting an investigation with XXXX. Card Member Service should consider incorrect credit reporting a very serious issue. I have tried to call U.S. Bank CB Disputes but I receive an answering machine that refers me to call XXXX, XXXX and XXXX or file a dispute in writing to U.S. Banks Card Member Service. I am still waiting to hear from my latest dispute that I submitted on XX/XX/XXXX for XXXX statement balance. My biggest concern is that I recently noticed these wrong reportings for three months behind, but I am unsure how long someone has been wrongly reporting my balances. After disputing for three months, I am exhausted, and I would NOT like to dispute every monthly balance I receive on my credit score. And I would also like to include that this U.S. Bank credit card is a joint account and I hope to fix both, my husbands and my credit score reportings. | ||||||
| 03/11/2023 | Yes |
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| On XXXX XXXX XXXX I submitted complaint number XXXX against US Bank regarding a fraudulent mortgage account being opened in my name, US Bank has subsequently marked that mortgage charged off as bad debt, refusal to apply my payments correctly, refusing to correct errors regarding the deed to my home and adding my wife as instructed and agreed upon prior to closing, our mortgage representative 's refusing to stop the closing and instead she insisted I violate the terms of my contract by filing a Quit Claim Deed knowing the terms clearly state I would be subjected to a mortgage acceleration, their refusal to compensate me for the fees I paid to record the deed and include my wife, they do not hold title to my home and blatantly refuse to take any action ( s ) to locate it, telling my wife and I it was our problem and to contact our county to locate it, closing on my mortgage without having insurance on the property. Which we didn't know about until our agent contacted us in XXXX asking for specifics on our home so he could give that information to underwriting to complete the policy. Now, our escrow is for the amount of {$1700.00} yet our annual premium is {$120.00} less. US Bank refuses to lower my monthly payment accordingly and refuse to issue the {$120.00} escrow overage I will pay each year. Yet, I am forced to honor a contract for a home to which I will never hold a title as XXXX XXXX does not hold the title nor does the seller nor does US Bank. No one knows where this title is and no one will do anything to locate it. As of today XX/XX/XXXX they have clearly and undeniably retaliated after receiving the initial complaint by way of reporting this mortgage to all three credit bureaus four full months after closing, maliciously omitting and/or falsifying my payment history causing yet another negative detriment to my credit score. US Bank reported to XXXX that I made a payment in XXXX XXXX Not only did I not make a payment in XX/XX/XXXX, as contractually my first payment was not due until XX/XX/XXXX, but they have reported the payment was short in excess of {$160.00}. They failed to report any subsequent payments with the exception of XXXX XXXX XXXX To any potential lenders, this would appear that I made a partial ( very first ) payment in XX/XX/XXXX, failed to pay for the months of XXXX, XXXX or XXXX, causing my credit file to reflect a negative payment history. As of today XX/XX/XXXX US Bank reported my mortgage account to XXXX and XXXX and failed to report any payment history whatsoever. I have disputed this information with all three credit reporting agencies. Thankfully, my wife is seasoned in credit and finance with a 23 year finance manager portfolio, which prompted her to obtain copies of all three of my credit files, immediately after I submitted the first complaint. Neither of the three credit files reported a mortgage with US Bank. It was not reported until today XXXX XXXX XXXX This is clearly a malicious retaliation from US Bank and a deliberate action to further the detriment they have caused to my credit score. | ||||||
| 11/02/2015 | Yes |
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| I have a construction loan with US Bank and I made my XXXX mortgage payment over the phone on XXXX/XXXX/15 ; the agent who processed the payment told me at the time he went over the payment amount due that the late fee assessed on the account was waived and he was not collecting it and that the {$11.00} fee to pay over the phone was waived as well and he was not collecting. Today XXXX I received a letter from US Bank stating that my XXXX payment has not been received yet, although funds were deducted from my account on XXXX/XXXX/15. I called the construction loan department and after 1 hour on hold to speak to a rep they confirmed my XXXX payment was not in. I asked to speak to a manager and I was transferred to XXXX XXXX who said she was a team lead. She explained the funds I paid on XXXX were received but the system did not apply the amount to the actual XXXX pmt ; she explained they are having issues with their system and the funds were sitting on a " suspense account '' not applied to the XXXX pmt. She also explained the rep who processed the XXXX payment charged me the late fee in the amount of {$68.00} and {$11.00} payment processing fee even when he said he was not going to because those fees were waived. I explained my concerned regarding a 30 day late payment to be reported to the bureaus due to an issue with their system. XXXX XXXX explained that if the late payment was reported in error they were going to have it removed although I am not happy with that because i will have to call the bank, being 3 hrs on hold to get this resolved, get my XXXX credit report, dispute and wait another 4-5 months for a resolution. XXXX XXXX stated she was going to request a credit to be applied to my account to cover that late fee and payment processing fee i should not have paid and that my amount due for XXXX should be {$2100.00} - {$68.00} ( late fee ) - {$11.00} payment processing fee, which is a total of $ XXXX this will be the amount I will be paying for XXXX and I hope not getting any default letters etc from the bank. Regarding the XXXX payment I made the payment before the XXXX thru their bill pay system over the phone and the payment went thru 1.5 months after I made the payment. It appears that US Bank has major problems with their system and should spend some funds in technology. XXXX XXXX also explained they deducted from my escrow account {$1900.00} to pay the first half of the 2015 taxes and now I am being responsible to pay an escrow shortage. My close of escrow was XXXX XXXX 2015 and I am not responsible to pay for the taxes due for the XXXX half only a small portion of it from XXXX/XXXX/2015 to XXXX/XXXX/2015 the lender should claim that amount they paid from XXXX/XXXX/2015 to XXXX/XXXX/2015 to the Title company and do not have the consumer pay for something I am not responsible for. Per the county my property was classified as a vacation home on the affidavit of value by the lender and the title company and as a result my taxes are higher. My property is a primary home and should not be classified as a vacation home | ||||||
| 12/20/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. XXXX Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX | ||||||
| 04/21/2015 | Yes |
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| XXXX XXXXXXXXXXXXFOR IMMEDIATE RELEASEContact : XXXX XXXXHELP!!! US BANK XXXX ME ( financially ) XXXX XXXX, 2015, XXXX XXXX, CaliforniaIt has taken me a little over six months to obtain a Court Hearing for monies owed to me. On XXXX XXXX, 2015, finally, an ORDER TO DISBURSE FUNDS TO ME was signed by a Judge of the XXXX of California. On XXXX XXXX, 2015, I presented ID & picked up my County of XXXX XXXX Check XXXX in the amount of {$11000.00} ( Exhibit A ) from Supervisor XXXX XXXX XXXX Exhibit B ). On XXXX XXXX 2015, I presented ID & deposited the check with US Bank, XXXX XXXX ( Exhibit C ), who gave me Official Receipts for my deposit totaling {$11000.00} ( Exhibits D ). XXXX informed me because it was a government check it should be cleared by XXXX XXXX, 2015. On XXXX, XXXX XXXX, 2015 I felt certainly the check should be cleared & phoned XXXX who at that time informed me the check had NOT cleared and will never clear! I was stunned and asked why at which time XXXX said " You 've been defrauded and should forget about the check because it 's no good. '' I immediately telephoned XXXX XXXX who expressed disbelief and informed me the check was in fact good and they issue checks for XXXX and have never heard of such. Understandably confused I apologized to XXXX XXXX and said I will get back to him. On XXXX, XXXX XXXX, 2015, I telephoned US Bank 's Corporate office at XXXX, and asked to be transferred to the XXXX, XXXX XXXX. I spoke with XXXX XXXX of XXXX XXXX office ( XXXX ) who promised to " get back to me within 1 hour. '' Instead, I received a call from XXXX a man who identified himself as " XXXX '' who informed me the check was no good. I immediately called XXXX XXXX and requested a stop payment be put on the check and have another check issued to me, which XXXX XXXX agreed to handle. At XXXX XXXX XXXX sent me an email stating that US Bank has received all funds and that the subject check CLEARED on XX/XX/2015 therefore he could NOT stop payment. US Bank took NO due diligence to inquire as to the veracity of the check, and when US Bank had an opportunity to verify that the check was good, release my money to me and apologize, instead they did not, as on XX/XX/2015, I immediately phoned " XXXX '' back at which time I received a call from XXXX XXXX and put us on a XXXX way conference call, to which XXXX said " I will not have any interaction with the maker of the check! '' and hung up on XXXX XXXX and I. I phoned XXXX and he told me if anything, they might in a week or more, turn all my Court Awarded funds back to the payer of the check, but they will never give me the original check back or monies that cleared. I suppose US Bank feels it will be virtually impossible for me to get the County to reissue said funds owing to me. Certainly regarding this matter, US Bank is engaging in : Bad Faith, Discrimination, Fraud, Breach of Fiduciary Duty, CONVERSION ( converting my property to theirs! ), Unethical Business Practices, Receiving Money Under False Pretenses, Theft, etc. Exhibit F are my PICKET signs for next week! | ||||||
| 04/22/2021 | Yes |
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Web | Servicemember |
| My name is XXXX XXXX. On the mortgage I am still listed with the last name XXXX. I have a XXXX XXXX mortgage that is taken care of by U.S. Bank. It is loan # XXXX and I call phone # XXXX which is their mortgage department to get information about this mortgage when I am checking on it. The property address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My husband, XXXX XXXX, and I purchased this home in XXXX. We are now divorced and it was finalized in XX/XX/XXXX. According to our settlement, he is responsible for the mortgage because he resides in the house that is collateral. I did NOT sign a Quit Claim Deed because I am still on the mortgage debt. We are currently in a chapter XXXX bankruptcy and he was planning to refinance at the end of the bankruptcy which does not take place until XXXX of XXXX. I have several issues of my complaint and have called U.S. Bank many times regarding my concerns. 1 ) My ex-husband took advantage of a Covid hardship that placed the loan in forbearance. In XXXX or XXXX of XXXX he placed the loan in the hardship for 6 months. At the end of the 6 months he extended for another 6. Neither times U.S. Bank asked for documents proving he was going through a hardship. Nor was there any documentation of the forbearance. I was not notified by the bank or my ex husband of the forbearance. I did not find out until many months later in XXXX of XXXX. By this time the deferment was already extended. He did not pay taxes, interest nor insurance and the accumulated amount is over {$11000.00}. He wants to add this to the balance of the loan. I have not lived in this house for 2+ years. I fear he will not be able to refinance because of this. Consistently with every call I made to U.S. Bank since XXXX, I have been consistently told there was no documentation of the forbearance nor did there need to be any proof of Covid hardship. 2 ) The mortgage company wants me to sign documents to add the accumulated amount to the back of the loan. But they have not provided me a copy of it. I called XX/XX/XXXX or XXXX requesting them to send me the documents of the deferred plan. I spoke with a woman named XXXX and she said she could not send them to me. She said they were already sent to XXXX and our bankruptcy lawyer and I would have to reach out to one of them. After reaching out to our bankruptcy attorney, they said they never received any documents and my ex-husband will not send them to me because he knows I am upset about this. I did contact U.S. Bank on XX/XX/XXXX to explain to them that I still have not been able to review the documents. I spoke to a gentleman named XXXX and he said he could send them to my email and I should receive it by the end of the day. It is now XX/XX/XXXX and I still have not received them. 3 ) This extension that was granted but I did not approve will no doubt cause me financial harm regardless if I sign the documentation or don't. Either I sign the modification and add this money to the loan OR I don't and the house will go into foreclosure and affect my finances and credit history. | ||||||
| 07/23/2019 | Yes |
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| In XXXX I returned school uniform clothing item to XXXX XXXX store. When I returned the items the refund could only go back on the card that you originally used to purchase the items. I tried two of my bank cards, which was not accepted and then I tried my US Bank Relia Card and it was accepted for the return. In XXXX, my daughters father made a XXXX XXXX payment of {$50.00}. I was alerted that there was money on my card. Later that day I went to make a purchase and my card was denied. I call US Bank Relia Card and the sated that my card was locked because of a return. They accused me of fraud because they could not find the original purchases on my card from the uniform store. I was told the only way they would release my funds was to send a copy of a receipt showing that I purchased the items or have the company take the funds off the card and give me a refund in a different way. I explained to the Relia Card that I made the purchase a year ago at different times and could not find the receipts. I called the store and explained what was going on. They stated that they changed system and that there was no way for them to go back a year ago and look for each individual receipt. They also stated that there is no way they could take money off of a card that has a hold on it. The only thing the uniform store was able to give me was a copy of the return receipt. I did a three way with US Bank Relia Card and XXXX XXXX store, we spoke with a manager and explained the matter. The manager stated that she understood and for XXXX XXXX to fax the return receipt and she was going to send an email to corporate explaining the circumstance so they could release the funds. She also, stated that she would following up with me on Monday because corporate office was closed for the XXXX XXXX XXXX holiday. I never heard back from the supervisor. I call a few days later and asked to speak with another supervisor and she stated that the only way they were going to release the funds is if I could prove that I purchase the school uniforms because they dont see where I ever purchased the uniforms. I asked to talk to someone in corporate and was told that what she was telling me was coming from corporate. I asked if I could talk to someone at US Bank and was told that US Bank does not regulate them and they have their own policies. Again, I was accused of fraud. I have had my US Bank Relia Card for 14 years and never had any issues when I returned items that I bought with my card. I have never been accused of fraud in my life and I dont have a criminal record. As a single mother, this matter has been stressful, has affected my health and my ability to pay bills that meet our basic needs. They are keeping {$530.00} money that has nothing to do with the issues which is causing me financial difficulties. In total they are keeping {$720.00} of my money and have illegally accused me of fraud. I have call the Oregons Child Support Department and they stated that it is illegally for them to keep my XXXX XXXX payments and not make them available to me. | ||||||
| 05/07/2020 | Yes |
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| On XX/XX/2020 I deposited a check in the amount of XXXX and per app, {$200.00} was immediately available. However, the check was indicated as accepted. I assumed like many banks they placed a hold on the check to make it available the next day. The next day, I received no communication, and no funds availability. I called to inquire, and the rep said " the system '' put a hold on the check that would be released in a day or two, but could provide zero information beyond that. I contacted the person who wrote the check to make sure the check wasn't written on the wrong account or something. and they stated the check had already been cleared electronically from their account on the XXXX. On the XXXX I contacted US Bank again, and they said they didn't know why but they'd escalate to have the hold removed as nobody could see why it was on there. I explained that I have received no communication of any kind. On the XXXX. the check still wasn't available, and now it's the XXXX and it's still not available. I called today to inquire. The rep was rude. She stated that it's a system hold. I then pressed her as to why I haven't had any communication. US Bank is required to notify a customer if they're holding a check. US Bank is required to make the first {$200.00} available at minimum. I understand the check is a relatively small check, but it's principal at this point. US Bank is operating with complete and utter disregard for United States Law and Regulation. When I asked the rep why US Bank has not complied with Federal Regulations, she said she didn't place the hold. I asked who did. She said the Branch did. Huh, the branch? I've never stepped foot in a branch. So she said someone in my Branch, which is unbeknownst to me, placed the hold and they would have to take it off. I said I'd never been in a branch in my life. She asked if I still live in XXXX XXXX. I said aren't you supposed to know that to comply with Federal Law?!?!? She said she was just asking. So lets get this straight. A check deposit was placed on hold, then I was never notified, then US Bank allows someone in a branch in a grocery store to go in and place an arbitrary hold on a check that violates the {$200.00} funds availability regulation, then doesn't send the required communication to the customer violating the customer notification regulation, then collects interest on my deposit for an undisclosed period of time, also violating banking regulations, and can't give me any answer as to who, when, or why. So naturally I asked to speak to a supervisor and at which point that agent said nothing and disconnected the call. Five Star Service Guarantee. Seems US Bank should be mandated to remove that from their logo if they don't act or practice anything resembling what they promise to deliver on that " five star service guarantee '', much less what the law requires ( UDAAP ). 3 calls, 3 stories, 3 violations ( deposit funds availability, customer notification, 3 people not actually even knowing if the system or a person in a grocery store in some random locale ) | ||||||
| 01/26/2018 | Yes |
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| Hello, I have for the past six years taken my payroll checks that are drawn against US Bank to cash. I have always given my finger print and valid driver 's license with no problems cashing the checks. I work for a XXXX XXXX XXXX and they Bank with US Bank. There has additionally always been a fee to cash the checks which I have not questioned paying. Recently I was asked to provide my social security number, phone number and asked what I do for a living. I asked why I had to provide these and was told by the bank manager that the Federal Government is now requiring this information in addition to the above listed requirements. I was also told that this information was being imputed into a data base. I was very uncomfortable giving out my social security number. And further more uncomfortable having to say it out loud with a line of people behind me. I have done some research by looking up the FDIC law and regulations under Part 1020-Rule for Banks. Everything I read within the Rules Section 1020-100 through 1020-500 indicates that the bank is to collect this additional information when a person is opening an account. It clearly states in section 1020.220 ( 2 ) i " An account does not include a product or service where a formal banking relationship is not established with a person, such as check cashing, wire transfer, or sale of a check or money order. Additionally under section 1020.410 ( b ) 5 " Records to be made and retained by banks '' 1020.410 ( b ) 5 clearly states : The rules and regulations issued by the Internal Revenue Service under section 6109 of the Internal Revenue Code of 1954 shall determine what constitutes a taxpayer identification number and whose number shall be obtained in the case of an account maintained by one or more persons. ( Again a rule for account holders which I am not ) Furthermore 1020.410 ( c ) 3 states that a record of a persons tax payer identification ( social security number ) should be retained by the bank if " Each check, clean draft or money order drawn on the bank or issued and payable by it, EXCEPT those drawn for {$100.00} dollars or less OR those drawn on accounts which can be expected to have have drawn on them an average of at least 100 checks per month over the calendar year OR on each occasion on which such checks are issued and which are : 3 ( ii ) Payroll checks 3 ( vi ) checks drawn on government agency accounts. My checks are exempt from being required to provide my social security number under these exceptions 1020.410 ( b ) 3 ( ii ) and 1020.410 ( b ) 3 ( vi ). I believe that US Bank is misrepresenting and wrongfully enforcing the FDIC regulations by requiring a person to provide their social security number and career information. I was told that if I did not provide both of these in addition to my valid driver 's license and finger print they would refuse to cash my check. Thank you for looking into this complaint. Any feedback would be appreciated. The Bank manager 's name is XXXX XXXX. phone number : XXXX The Bank was the US Bank - XXXX Main Branch | ||||||
| 10/20/2021 | Yes |
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| I purchased as replacement for a lost XXXX XXXX XXXX XXXX XXXX earring on XXXX pair advertised as the same ( see attached ). Upon receipt, it was immediately obvious the earrings I bought from the seller were fakes. I contacted XXXX XXXX Corporate ( " XXXX '' ) who confirmed that the seller was unauthorized to sell authentic XXXX XXXX ( see attached ). XXXX 's policy is to return the purchased item to the seller, but as a practicing lawyer I can not because knowingly transporting fake or counterfeit items through the mail is a felony. I contacted XXXX XXXX ( " XXXX '' ) fraud department to report the purchase and they provided a provisional credit. I completed their application ( see attached ). First they claimed they never got it but retracted that lie when I showed the 22 page fax confirm as proof I indeed completed the application and did so on time. The fraud dept. next insisted that I provide additional " proof '' that the earrings were fake. At law, proofing a negative is impossible. XXXX knew that XXXX does not authenticate items and that XXXX authorized dealers are forbidden by their insurance carriers to provide documents stating that items are counterfeit or fake due to liability. So XXXX knew or should have known that the additional and unnecessary proof was impossible. They already had sufficient proof as follows : 1 ) the fake earrings in the pictures are OBVIOUS fakes, not even a good copy side by side with the authentic earrings ; 2 ) XXXX XXXX XXXX stated that the seller was unauthorized to sell XXXX jewelry ; 3 ) XXXX stated it would provide a refund without argument 4 ) XXXX suspended the seller and 5 ) most importantly, my history with Peoples XXXX Bank over 30 years as an attorney with a business account and personal account ( s ), this was my only report of fraud ever. Nevertheless XXXX delayed a permanent credit until XXXX withdrew the refund offer because I missed the deadline trying to full the impossible demands made by XXXX who already knew I could not fulfill the demands. Peoples XXXX Bank, despite our long term relationship, did nothing to advocate except " kick the can '' and pass the request back to XXXX to reopen the case. So XXXX reopened the case. Even so, WHILE THE CASE WAS REOPENED, XXXX charged me {$80.00} in " late fees ''. ( see attached ), a disgusting swine move! XXXX is hostile to customers not helpful and XXXX has knowingly aided and abetted XXXX and the preditory seller in perpetrating fraud and selling fake jewelry. This is evidenced by XXXX 's latest letter denying me a credit on my card when ; they were provided pages of proof that any court of law would accept as evidence. And believe me I shall file suit in court against XXXX. XXXX is as dirty as XXXX and the seller. As an addendum, I'm happy to learn that Peoples XXXX was purchased by XXXX XXXX XXXX XXXX and that most of the corporate waste of space executives, including the president, XXXX XXXX, who did not advocate for a thirty year customer are being FIRED and replace by XXXX XXXX XXXX XXXX employees. Just desserts! | ||||||
| 03/08/2022 | Yes |
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| XXXX of 2021, I contacted US Bank to get help with turning off withdrawals as bills were about be withdrawn and my assistant lost the pay checks and they have to be recut, and unfortunately unemployment had not been reinstated due to the unlawful cut off of payments. I had asked for solutions because I did not want to overdraft. In XXXX, I had become severely ill which has slowed down my functions, which I explained to them. XXXX XXXX, My account had become severely overdrawn and I needed help. I spoke with corporate via XXXX then a phone call. They were able to connect me to the local Regional Manager. My XXXX account historically has never been allowed to surpass {$300.00} in overdraft before it declines transactions. My business account was different, It never exceeded {$1200.00}. I spoke with the Regional Manager, whom I explained my situation to that occured as a result of the pandemic. She proceeded to belittle me and tell me how to spend my money. I have auto order supplies for my business from XXXX, and she said if I watched how I spent my money and not shop so often. I stopped her right there because I was not calling a financial advisor, I needed a resolution to my issuer after trying to get help for 3 weeksr. I tried to do all the right things so I would not end up here. I focused on why the call is needed and trying to resolve the overdraft fees. She did have the fees removed, However someone changed my account type. In XXXX, I over drafted by one transaction due to a hold that was supposed to be released. With in 24 hours, I not only had over draft fees, I saw new fews that I have not seen ever on my account for over a decade. I did not know when I went to deposit another check, and found that my account was over drafted, again. This time I was being charged returned check fees on top of NSF fees. Every payment they rejected cost me {$72.00} in fees to US Bank, and then of course my billers charged me returned check fees 38 totally each rejection fee of {$110.00}. My accounts also supposed the {$300.00} threshold and I had turned off the option to allow over draft. Of course this time, they would not help me. I figured I could just hang tight since I had guaranteed money coming. Unfortunately, US bank Closed b both my accounts In XX/XX/2021. I only found out they were closed because the remained off my EILD which was going to help get back on my feet was rejected by US Bank on XXXX XXXX. Unfortunately, I still am waiting for the funds, since it auto restarts the process when banks reject. I was also finally going to receive Unemployment, But the same week as the loan, They tried to deposit and it was rejected. This issue raised red flags which them pushed my SBA loan and PUA in to fraud alert. Now again, I am still not well. It is now XX/XX/XXXX, I am still waiting for funds to get re-dispursed with no income and no money to pay bills or buy food as a result of someone changing my account type with out my permission at US Bank. I am unable to get the last 3 months of statements, which I have requested | ||||||
| 05/02/2023 | Yes |
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| U.S. Bank is responsible for the most baffling and stressful week of my life. I'm currently applying for a mortgage. When I went to upload my bank statements from U.S. Bank to the portal for my mortgage documentation on the morning of XX/XX/XXXX, I noticed they didnt say XXXX XXXX XXXX them. They had my address, but were addressed to XXXX XXXX. I looked back at my statements and saw this change happened between my XXXX and XX/XX/XXXX statements. This was completely shocking : Ive never changed my name and/or been married to someone with the surname XXXX, I withdrew money using my real name and account number at a U.S. Bank XXXX XXXX XX/XX/XXXX without anyone pointing out that the name on the withdrawal slip didnt match the name on my account. If they did mail me any documents, I wouldnt have received them because I live in an apartment building and only mail that matches my name on the mailbox gets delivered to me. I don't see any emails from U.S. Bank stating an account change occurred. Later in the day on XX/XX/XXXX, I went to a U.S. Bank branch in downtown XXXX at XXXX XXXX XXXX and met with XXXX XXXX who changed the name on my account back to my actual name upon me providing my social security number and drivers license. This does not update the name on the previously issued statements. I am submitting this complaint because I have not received any written acknowledgement that this error was caused by U.S. Bank, not me. The short explanation of why this happened is that U.S. Bank has TERRIBLE security. If someone told me on XX/XX/XXXX that this could happen, I don't think I would believe them. What I was told at the branch on XX/XX/XXXX is that someone else was changing their name at a branch in XXXX, MN in XX/XX/XXXX and that change got applied to my account. I have never lived in or near XXXX, MN. It has always been about XXXX hours of driving away from me. I confirmed I was not the person who made the name change request and I that was not in XXXX in XX/XX/XXXX. In my opinion, there are clearly no enforced requirements account changes are applied to the accounts owned by the person making the changes. This is an incredible security risk. Bankers can apply name changes to accounts without verifying the social security number of the person changing an account name matches the social security number on the account the change is being applied to?! I still can't believe it. They also dont require any proof of address to submit a name change request. I did bring my XXXX tax return to show my proof of address, but they said they didn't need it. I believe U.S. Bank shouldn't be allowed to continue operating as a bank until these egregious security flaws are fixed. I've attached the letter I received from U.S. Bank to present to my lender, but I am upset they don't admit they're the reason I had to deal with this in the first place. My credit cards were also closed last summer and I never received any notification that they were closed. This might become a separate complaint since it's about a credit account. | ||||||
| 05/02/2023 | Yes |
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Web | Older American |
| I opened a US Bank FlexPerks credit card in 2014, primarily because they offered points that could be used as airline miles on multiple airlines. At the time, the card issuer promised that as long as I kept my credit card open, those FlexPerks points would not expire. As a result, I accumulated quite a few points ( I dont recall exactly how many, but at least a few hundred thousand ) without using them, because I was saving the points to purchase tickets for a family vacation.To my surprise, when I happened to look at my statement about two months ago, my balance had declined to only 65,000 points. Until that time, I had not redeemed any of the points I had earned. Of course I called the card issuer to ask what happened, and the US Bank FlexPerks representative confirmed my suspicion that my points had expired. The problem, I explained to her, was that there was no notice or indication that the points would expire. She acknowledged that my points balance and amounts expiring were listed on my monthly hard-copy statements, but because US Bank pushed me into receiving my statements digitally, I stopped receiving the hard-copy statements. As a result, I used only the US Bank FlexPerks app, which the customer representative admitted does not show the expiring points. I told her this was wrong and unfair, because I had no notice of my points ever expiring. I asked the representative to reinstate my expired points, but she declined. She said she would submit my request to her management for further review of my situation, but a few weeks later I received a paper letter that indicated my request for reinstatement had been declined ( again ). BTW, when I complained about this situation to a friend, she commented that she, too, had a US Bank FlexPerks credit card and had no idea the points were subject to an expiration date. So I believe that many consumers have been lured into opening and maintaining this kind of credit card account without realizing that USBank now takes away what it gives as an incentive to use and reward for using their card. My complaints : - I understand that companies sometimes change the rules for when points expire, but I truly do not recall agreeing to or seeing that change in this instance. I would have noticed if it were prominently featured, because I was intentionally saving these points for a big family trip. Any change here was likely buried in the fine print that consumers like me routinely click to agree. It was unreasonable for USBank to change the expiration rules without appropriate notice to cardholders. - USBank should put expiration dates on the app, if that is where it wants its customers to receive information. Putting that information only on the paper statements, when fewer and fewer customers receive paper statements, is likewise unfair and misleading. If upon further investigation you are able to substantiate my complaints, I would respectfully ask that my point balance be reinstated ( so I can use them before they expire! ). Thank you very much for your assistance. | ||||||
| 03/03/2020 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, my credit card was hacked and fraudulent charges were charged to my account. Instead of contacting me, USBank Visa abruptly canceled my card. This normally would not have been an issue, but I was on vacation at the time and it was my only means of paying for my car rental and car rental insurance. That is when I first realized this company has truly awful customer service. When I called to determine if my car rental insurance was still active, I was on hold for over 30 minutes. I then needed to be fully verified. This took an additional 20 minutes. This is an issue because 1 ) They use publicly available information ( They even admitted to this. ) and 2 ) They needed to send a text message to my mobile phone. To address the easy issue first, the text message. My phone is from the early XXXX and it can not receive a text message while I am on the phone. It has never worked and even though I can answer all of their other questions, I can not be fully verified. I do not have a different number to use to receive this text message, so it isn't like I can just call from another phone. While I was on vacation, I was sitting in the rental car office on hold for nearly an hour trying to ask a simple question that didn't need any verification anyway. All I wanted to know was if my insurance would still be covered. Since XXXX, I have been trying to get rid of my mobile phone and though USBank has removed my number, USBank Visa will not. So, I am still paying for a phone that I never use and I can't change the number because I can not be fully verified. When I explain this to USBank Visa I am told that I will get a call from them to verify my identity and then everything will be fine. I have been trying to get this call since XXXX. The last attempt was on XX/XX/XXXX. I was told they would call back within 2 business days. It is now XX/XX/XXXX and I have not received a call from them. The second issue revolves around them using information that anyone can XXXX to verify my identity over the phone. It wouldn't be so bad if they used the standard information, like SSN, address, birth date. But USBank Visa has crossed a line and gone into stalker territory. I have been asked about my father 's middle name, my brother 's address, the city I was born in, and the state that issued my SSN. Granted the last one is available online, but knowing my relatives and having this information connected to my accounts is crossing a line. I have told them this and told them I don't want this information attached to my account. Their response is that this information is publically available and therefore open to them. I respond with, " If it is publically available, then how can it be used to verify my identity? '' I usually get transferred to a supervisor who tells me that I will get a call, but never do. Through all of this, it has taken 2 months to get my new card activated, though in the meantime I was charged my annual fee. So, I am paying my annual fee even though I can really only use it now for less than 1 year. | ||||||
| 10/02/2023 | Yes |
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Web | Servicemember |
| * opened checking in XX/XX/2023, had a small direct deposit going there since then to try out the account, so far, no problems * opened money market account XX/XX/2023 to combine checking and savings in one place and simplify my banking while still getting good yield on savings ( after going back and forth faxing over copies of my driver license and Social Security card, which took almost 3 weeks all together ) * switched over direct deposits and debits for all bills * on XX/XX/2023, I transferred from XXXX XXXX to fund the new accounts using 2 ACH deposits to the US Bank checking account : 1 deposit of {$1200.00}, the other of {$20000.00} * moved the bulk of the money to the money market account and left what was needed to pay bills in checking * the next day, around XX/XX/2023, I could no longer access my accounts * have been calling and speaking with various representatives on the phone to help but all they said is my accounts were being closed with no explanation given * I was initially told I would receive a letter in the next 2-3 days with information required, and instructions how to resolve the issue ( no letter has arrived as of XX/XX/2023 ) * spoke with a banker in a branch servicing out of state accounts on XX/XX/2023 * no more information was relayed, just that accounts were being closed, and no timeframe or explanation, or request for information * spoke with branch manager on XX/XX/2023, she said she will be finding out from the back office what is going on and what can be done about it * after some follow ups and patiently waiting, on XX/XX/2023, the branch manager finally told me that I need to speak to the " E-Fraud '' team about the issue * I was not given a case number from them, or a phone number to contact them, or anything * I was told to contact the customer service number again, where I initially started this whole ordeal to begin with * today, XX/XX/2023, after being on the phone with US Bank for XXXX XXXX, I still don't have any resolution, or information when my accounts will be closed, or even an estimate of a timeframe when this will happen I have asked, and offered to provide any information to US Bank about the source of my funds, including statements from the originating bank, W2s, any other form of information or assistance to validate the source of the money, or even a 3-way call with the originating bank to validate this information over the phone. They have not asked for any information from me, and they have not given me anywhere or anyone whom to send this information to. To sum up, US Bank has almost {$23000.00} of my money since XX/XX/2023 and I have had absolutely no access to it, they claim my accounts are being closed, but they have not closed them, they claim that I would be getting some letter since XX/XX/2023, which I have not, and that I would be getting back the funds in a cashier 's check, which I have not either, and they won't tell me when this would be happening. This has been the absolutely worst experience I've ever had with any financial institution. | ||||||
| 12/31/2022 | Yes |
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Web | Older American, Servicemember |
| Fraudulent charges date back to XX/XX/XXXX. Every month when I received my statement and noticed fraudulent charges, I called and notified US Bank. The first fraudulent charge was on card ending XXXX dated XX/XX/XXXX for {$49.00} to XXXX. USB was notified and they reissued a new credit card ending in XXXX. On this new card on XX/XX/XXXX there was a fraudulent charge to XXXX for {$22.00}. USB was notified but fraudulent charges continued on this same card from XXXX through XX/XX/XXXX totaling in excess of {$8000.00} and charges were mostly to the same vendor, XXXX and I have no idea who that is. I was then issued a new card ending in XXXX and there were no charges in XX/XX/XXXX. But in XXXX of XXXX, there were fraudulent charges to XXXX and again to XXXX in excess of {$9000.00}. Obviously I reported this to USB because they again issued a new credit card ending in XXXX. I never received the physical card ( and still today have never received it ) but I did receive a statement for charges to this card once again to the vendors XXXX and XXXX which had been reported as fraudulent as far back as XX/XX/XXXX. Some of those fraudulent charges were being carried forward. I cancelled this card all together in XXXX of XXXX. I have been given credit for some of these charges but not all of them and the balance on this card is for fraudulent charges and USB continues to report payments on this fraudulent amount as being late payments on my credit report. I can never get anyone to return my calls and when I call the XXXX number, I am transferred no less than XXXX times. I have XXXX and have enlised their assistance which has not really helped. I spoke with XXXX at USB on XX/XX/XXXX regarding the status of our dispute and she said that someone would return my call within XXXX days. I received no call. I, along with XXXX, made a conference call on XX/XX/XXXX and spoke with a fraud supervisor, XXXX. XXXX would not speak to me with a " third party '' on the line. XXXX representative offered to hang up but that would not satisfy her. She instructed me to call her back, which I called her right back. When I called back, I asked for a fraud supervisor and spoke with XXXX who was helpful. She said that since I had a claims processor ( which I didn't even know about! ) named XXXX that we needed to speak to him. She was going to put in a request for him to call me and that he would call in a " few days ''. Today is XX/XX/XXXX and I am still waiting for that phone call! XXXX did inform me that I was calling the wrong number and that I should call XXXX and that our case number was XXXX. I wanted to know if XXXX received all of the documents that I had sent and how much longer it would take to review our dispute. I furnished USB with a police report, with a report I had filed with the Federal Trade Commission as well as an itemized list of fraudulent charges/amounts/dates/last XXXX digits of card numbers. I am not sure what else they expect for me to provide. Their customer services/communication with us has been terrible!!! | ||||||
| 07/25/2023 | Yes |
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| On Wednesday, XX/XX/XXXX, I opened a business checking account with US Bank. I went in person to the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Please note that this was almost one year ago. I was completely honest that I wanted to open a bank account in order to receive the promotional cash bonus of {$300.00}. I had the promotional code with me which I had gotten from the US Bank website, XXXX. Both the manager and another employee told me that this was valid and acceptable to do. The in-person application system accepted the promotional code. I was able to successfully open a business checking account at US Bank. I have a sole proprietorship of my tutoring business, so I do not need a Tax ID number separate from my SSN. Again, the branch manager stated this was valid. I have fulfilled all the requirements. The requirements for the business checking account in order to receive the {$300.00} bonus cash, were as follows : - '' Register and setup online banking. '' I did this the same day that I opened the account on XX/XX/XXXX. - '' Keep a minimum balance of {$3000.00} for at least 60 days. '' I deposited personal cheques from my credit-union account into this one for a total of {$5000.00}, at the same time I opened the account. I have always kept the balance above {$3000.00}. - '' Make at least five ( 5 ) debit-card-PIN purchases using the debit card for the account ''. I completed all 5 debit-card-PIN purchases in XX/XX/XXXX. - '' Set up a bill-pay directly through the US Bank business account. '' I did this on XX/XX/XXXX. I set up my car-insurance monthly payments to XXXX thru my US Bank business account. All this time I have been seeing that US Bank still has not given me my cash bonus. Their own rules on their website state ( which I made sure to get a screenshot of ) : " The Business Checking bonus will be deposited into your new US Bank business checking account within 45 days of deposit verification, as long as the account is open and has a positive balance. '' This is the first & only business checking account I have ever had with US Bank. So I know for a fact that I have always been eligible to receive the promotional cash bonus. On Tuesday, XX/XX/XXXX ( this year ), I went back to that same bank branch in person to find out what is happening with my account. A bank employee was able to investigate my account history. And he agreed, he saw that yes, indeed I have fulfilled all the requirements that I as a customer had a responsibility to fulfill in order to get the cash bonus. The bank employee was very kind n polite, but he said that he would not be able to do anything. He stated that he would forward my issue to US Bank customer relations + promotions. To this day, I have not gotten a single piece of correspondence from US Bank regarding this issue. They have not sent a single email, regular mail, phone call, text message. Nothing whatsoever. I login to my online banking on a regular basis -- there is no notice, alert, notification of any kind in my online banking. | ||||||
| 11/01/2019 | Yes |
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| Second Complaint in response to a letter from US Bank regarding prior complaint. Having ongoing issues paying my mortgage to US Bank. US Bank has and is taking money from my mortgage payments for fees. I further suspect that the additional principle reduction amounts included in my mortgage payments are not being process at time of receipt. US Bank unfairly collected late fees, numerous times, when I mailed the payment to the location designated in the note or on the payment coupon, and US Bank received this payment within the prescribed allotted time period allowed on the loan documents to avoid a late fee. US Bank blamed the Post Office or justified their late fees due to the Post Office delays. I had to produce numerous Post Office Tracking ( priority mail ) slips to prove that US Bank did in fact receive my payments within the agreed to time, in my loan documents at the designated location given by US Bank. US Bank went as far as stating that there was a lag time of 3 to 4 days that US Bank needs for processing mortgage payments. I expressed that nowhere in the loan documents did it make mention to this and that I was responsible for this processing time. Which in effects reduces the allotted time, afforded to me, to pay my mortgage by 3 to 4 days, because of US Bank need to process the receipt of the Mortgage payment? It was suggested by customer service to just go to a local branch and pay the mortgage there, instead of mailing it to the designated location on the coupon. To take the blame away from the post office. I succumbed to this demand. Doing this for about one year and just recently US Bank decided to issue this mortgage statement on the XXXX of the month, rather than after receipt of my mortgage payment. What this has allowed US Bank is not to report my mortgage payment for the month ( if received after the XXXX ) or breaking down my mortgage payment ( when it was received ) showing me what the mortgage payment went towards. In other words they will be able to collect fees without me being aware of them. So now if they receive their mortgage payment on the XXXX my statement will show total amount due of two months, which is incorrect, if the payment was received within the agreed to time frame of the loan documents. This is improper reporting and is being used to pressure me in making payments in an unagreed to time frame. What US Bank is doing is attempting to collect additional fees, unjustifiable by first blaming the US Post office, then by stating there is a 3-4 day processing time and now by failure to fairly showing the breakdown of what the mortgage payment went towards when they receive my mortgage payment. I know for a fact that other mortgages are being processed as before and it appears that running a mortgage statement before the end of allotted time frame is unique to my mortgage. My understanding is that this is either a XXXX XXXX loan or was given using their guidelines and thus the servicing should be held to XXXX XXXX standards. Or at a minimum to Fair lending practices. | ||||||
| 02/29/2016 | Yes |
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| I have filed a dispute with for us bank with the CFPB already case # XXXX the reason I am filing another is because US Bank chose to respond to the fact that it was outside their allowed timeframe to dispute. they sent me a response to that effect to the first dispute. That however is not the reason I am filing a complaint here my issue was that us bank allowed me to open up a brand new fraud case with a brand new case # over a year later instead of telling me immediately that it was beyond the time frame to dispute. The customer service rep in the fraud dep. that I spoke to was aware of the timeframe between the account going neg and when I called them about re-opening the case. I asked if that would be a problem and was told no problem at all that they 'd just open a brand new case for me. I was not told at that time that I was beyond the time to file a case or would have moved forward with other options regarding my account to get a new reliable mode of transportation which is what I was trying to clear the account for if you read the previous complaint listed. instead I feel I was misled when they opened up a new investigation for me. I went thru all the motions and paperwork they required, I put my life on hold waiting for their response which caused additional financial hardship to me and my family. that is why there were XXXX case numbers sent with the original dispute. while waiting for them to respond my vehicle broke down costing me several hundred dollars. I would not have had the extra expense if I would have been dealt with honestly in the beginning. when I was finally given my denial months later it was for the old claim number, they did n't even refer to the new claim they started for me. I even requested a letter about the new claim number and a denial for that but never received XXXX. I believe I made that request in XXXX by phone to them. my understanding of the instructions received was that all documentation was required in a certain amount of days of the investigation being opened and receiving the fraud packet. When they opened up a new case for me I assumed I had 30 days from when I received the new fraud packet for the new case number. Does n't the fax that they opened a new case negate the old one? Do n't they have a responsibility to comply with their own rules based on the new case date? My time was wasted I ended up fixing a car I should not of had anymore and got stuch in a high interest loan by getting rushed into picking a car. I did not qualify for anything but in house financing because they did n't get my bank account fixed. please reference documents from the complaint listed XXXX I will not re-attach them to this one. Please respond the actual issue this time. The fact that I was made to jump through hoops on a case that your company had no intention of approving but never adv of this just told " no problem ma'am we 'll just start you an new case '' that is XXXX and when asked if I was expected to pay something I clearly did n't owe rep told me " sorry ma'am '' also XXXX | ||||||
| 08/17/2023 | Yes |
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| My XXXX XXXX XXXX XXXX XXXX XXXX comes with a complimentary benefit of a Priority Pass membership, which provides access to airline lounges around the world. To access this benefit, cardmembers are directed the the card brochure to go to XXXX where they can enter the first XXXX digits of their card to verify eligibility, provide some basic personal information and then receive the benefit. I did so earlier today to activate the benefit. Upon reviewing the lounges available through Priority pass, I saw that neither my local airport nor those I would most use have any lounge with Priority Pass, which renders the benefit and my account worthless. I looked around the Priority pass website for what is in most online accounts a pretty straightforward cancellation option or phone number in a FAQ, but was unable to cancel it online. The priority Pass FAQ has, as its XXXX question ( which speaks volumes ), " how do I cancel my account? '' and then advises " Sorry to hear you're thinking of leaving. Our Membership Services Team can help if you bought your membership from us. If you got it from another provider, like your bank, you'll need to contact them. '' As I wasn't sure if I got the account from my bank ( though the benefit is through them ) or through priority pass because I did sign up on their website, I decided to try contact my bank first. My first call to US bank today garnered my a CSR who had never heard of the program or benefit and with some brief research said they do not provide the benefit and to contact priority pass. I opened a ticket through Priority pass ' website requesting cancellation, they responded they could not cancel it as the benefit came from my financial institution. I called US Bank back again and spoke to another CSR, relayed the above, who after time on hold, transferred me without asking or confirm to a " line service '' who said they are with priority pass but can not cancel the membership as it's through my financial institution. I forayed into the US Bank phone tree for a 3rd time, immediately requested a supervisor who argued all the points above stating they don't provide the benefit, was curious about which airports didn't have priority pass lounges as if to question my reasons for wanting to stop the benefit due to her lack of knowledge on how to cancel it. The supervisor finally caved and said she would open a ticket to have someone look into how to do it and I would hear back within 10 days. I have not been charged for this complimentary benefit but do not want to be on a XXXX renewal in the future, hence my concern and opening this complaint. Other consumers would give up or just accept recurring charges on their card going through the above circus. I think the CFPB should audit the relationships between Priority Pass and banks and inquire why it's so hard for consumers to get rid of it ; if they aren't empowered to do it themselves, either the bank or priority pass better be darn good at doing it or that's a racket. Reminds me of gym memberships. Ick. Cheers, | ||||||
| 08/24/2016 | Yes |
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| I have XXXX loans with USBank : a Mortgage and HELOC. XX/XX/2012, I refinanced my mortgage to obtain a lower interest rate of 3.75 %. Due to the decline in housing values, USBank was unable to roll my HELOC into the new 30 year fixed mortgage. The HELOC was a revolving, variable rate line that could be used or paid down over a period of 10 years and then it would mature and convert to a close ended loan for the next 20 years. When I refinanced, they closed the heloc and told me that I could make interest only payments ( which would vary based on the principal amount ), or I could pay interest plus principal. I would not be able to use this line unless values went up and they re evaluated it. The interest only payments were approximately $ XXXX-XXXX per month due on the first. If they were not received by XX/XX/XXXX, there was a {$25.00} late fee assessed. My intent was to pay this loan off, so I began paying about $ XXXX monthly. Since USbank doesnt allow e-payments, I had my bank ( which was ironically USBank ) mail a check to arrive on XXXX. Over a period of 4 years, 18 times USBank charged me a {$25.00} late fee as they " processed and credited '' my payment after XXXX, even though they received it and often cashed it. Many times, the check would clear my bank with a USBank Stamp dated XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX but they still charged me late fees and would wait to post it later, citing " it sometimes takes us several days of processing time ''. I called them multiple times to attempt to resolve the issue and they advised me to mail the payment a week earlier. So I did. Three times that they received and processed the payment prior to the first, they applied it to interest up to the first of the month it was due, and the balance to principle but then charged me a late fee because they did n't receive a payment on the first. I have spent hours talking with them, sharing the details with the branch management, all the while dealing with harrassing collection calls ( sometimes up to 10 per day ). The bottom line of my complaint is the following : I have paid almost double the minimum and they received my checks during the grace period. I believe that they are intentionally holding my checks so that they can charge late fees. The balance on this HELOC is not going down. I paid {$24000.00} over 4 years and yet it was reduced from {$78000.00} to {$72000.00}. I believe that my payments have been misapplied for the past 4 years. USBank does n't provide any detail on where the money is being applied in a statement or online. They are mysterious about the posting of my payments and I seem to get a different answer each time I speak to someone. I feel that they have used deceptive practices with this loan by failing to apply payments in a timely manner, or to show details on interest, principle reduction. They failed to disclose the terms after the re-finance and created a situation in which it was impossible to pay this loan off, putting me in a negative financial situation. | ||||||
| 05/02/2020 | Yes |
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| XX/XX/XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX To Whom it May Concern at Elan Financial, This letter is to dispute your company reporting me to credit services for late payment as I was not at fault. I have also attached a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the bank through which I have the credit card, supporting my good standing as a customer since XXXX. I have had a credit score of above/around 800 for sometime now and am furious that an error on the part of Elan financial has resulted in my score being lowered significantly especially as I would like to purchase a new home soon. XXXX XXXX XXXX XXXX switched to using your company to service their credit cards sometime around XX/XX/XXXX. Since then I have had a plethora of challenges with the credit card which include not receiving my new credit card for months, the new credit card I received not working, payment not going through to Elan financial from XXXX bank, Elan financial having my incorrect address, etc. I have a new baby, mother with XXXX health and returned to work from XXXX leave at the end of XXXX so having to add calling Elan financial on account of errors of Elan financial to my list of things to do has caused me additional stress. I have been with XXXX since XXXX using them as my main bank account, for various car loans, refinancing a mortgage and my credit card. I have never had an issue with any services from XXXX until they partnered with Elan financial for their credit cards. When I called XXXX multiple times to express my concerns about Elan financial they confirmed they were receiving multiple complaints from customers since partnering with Elan financial. As your records indicate, I called Elan Financial on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for various issues such as not receiving my card, your company not recording the correct mailing address for me, payment from MITFCU not sending to Elan Financial ( when Ive never had an issue with any payments from XXXX going to any other company ), etc. I called on XX/XX/XXXX to speak to someone at Elan Financial about the late payment fee. She told me it would be removed, there would be no reporting to credit agencies and that there was an agreement between XXXX and Elan Financial that there would be no late fees charged and not reporting to credit bureaus during the 90 day conversion. This agreement on no late fees or credit bureau reporting is also referenced in the attached letter from XXXX. When I noticed my credit score drop I immediately contacted Elan financial on XX/XX/XXXX at XXXX. I spoke with a person named XXXX who said I could only mail ( not fax or email XXXX my dispute request to the address listed at the top of this letter. I expect this to be resolved immediately by Elan financial contacting the credit bureaus to remove this error that has resulted in significantly lowering my scores so I do not need to take further action. My contact information is below should you need to reach me. | ||||||
| 10/05/2016 | Yes |
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| On Saturday, XXXX XXXX, 2016, I logged into my account at U.S. Bank and saw that my available balance was negative by about {$17.00}. I had been told previously by employees that if you deposit cash on the same day your account becomes negative, you can avoid overdraft fees. I made a deposit at the ATM of {$40.00} in cash. My receipt states that the deposit occurred XXXX/XXXX/2016 at XXXX. and that my available balance was {$5.00}. However, by Tuesday morning, I had received XXXX overdraft fees for a total of {$140.00}. From what I can tell from my statement online, my cash deposit did not clear my account until XXXX/XXXX/2016 ( essentially late last night ). I have been told in the past that cash deposits are available immediately, but it took 2 days for the cash to post to my account. Also on XXXX/XXXX/2016, I was charged an overdraft fee of {$36.00}. The deposit posted to my account first, followed by that overdraft fee, which I was not anticipating. Following those, also on XXXX/XXXX/2016, a slew of charges that had been pending on my account since the previous week cleared my account. I would like to note that none of these charges were made by me after I made my deposit at XXXX on XXXX/XXXX/2016. At that time, I was under the impression my available balance was {$5.00}, as my receipt stated, and made no more purchases. One of these overdraft charges was reasonable. After all, I did cause my available balance to go negative by purchases I made leading up to Saturday afternoon. However, XXXX of those charges are only due to the fact that the first overdraft charge put my balance back into the negative, and because of the order in which everything posted, XXXX of those charges posted against a negative account balance. Again, a balance that was only negative because of the overdraft charge. Here 's the other thing : those XXXX charges were already counted against me when they were factored into my available balance. I was charged an overdraft because my available balance went negative. If those charges had n't been pending, then I would never have overdrafted at all. Essentially, I 'm being penalized twice. Once when the pending charge is affecting my available balance, and again when the charge finally clears and posts against a negative account balance. This is inappropriate and unethical. I called U.S. Bank 's XXXX line to ask about this at XXXX. XXXX/XXXX/2016. The employee who took my call said that the first overdraft posted to my account on XXXX/XXXX/2016. If this is true, then the internal system at U.S. Bank apparently has different information than what my online account shows. This employee made no effort to explain the discrepancy, despite the fact that I have a physical receipt showing an available balance that did not include an overdraft fee as of XXXX/XXXX/2016 XXXX I made a sincere effort to bring my account positive, but apparently I did not have all the information that I needed to remedy my mistake. XXXX of those overdraft fees are just as much the bank 's failure as mine. | ||||||
| 06/01/2017 | Yes |
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Web | Older American |
| US Bank did a loan modification for which I received their agreement and signed in XX/XX/XXXX . I have not missed ANY payments since that modification. I am now being told my loan is in default for payments not received from BEFORE the modification agreement began. They are also now refusing to accept any more payments from me, unless I pay back from 7 months PRIOR to the modification agreement. Required Trial payments, which were a prerequisite of the modification were done XX/XX/XXXX XXXX XX/XX/XXXX . It appears US Bank then typed their paperwork effective XX/XX/XXXX , with payments being due XX/XX/XXXX . However, the original modification was not received until XX/XX/XXXX . It has numerous errors of which we filed a dispute. Some of the errors were corrected & the newly Corrected Modification packet was not received by me until XX/XX/XXXX . The modification agreement was not received by me until XX/XX/XXXX . This can be verified by page 1 of the modification wherein it states ( Executed on this day : XX/XX/XXXX ). Page 1 of t he modification agreement also states " Cash amount required '' " 1st Modification Payment of {$810.00} '' is due within 14 days of receipt of the modification. This further validates that payments were expected to begin in XX/XX/XXXX & not XX/XX/XXXX . Why am I being held responsible for payments PRIOR to the modification agreement? Especially since the modification states that payment amounts and due dates would be modified after I sign and return a copy of the agreement to US B ank. To require a person to began a modification in default defies the purpose of a modification and has to be illegal. When you accepted my initial payment with the modification in XX/XX/XXXX , I would have already been 8 months behind if your XX/XX/XXXX due date was correctly written. You also did n't notify me of this XX/XX/XXXX date until XX/XX/XXXX I spoke with US B ank employee XXXX XXXX on XX/XX/XXXX at @ XXXX CT, who confirmed this mistake and said the modification payment 1st d ue date should NOT have been for XX/XX/XXXX as you all did not execute the agreement until XX/XX/XXXX . He asked me to email him & XXXX XXXX and they would initiate an Appeal. However to date despite my numerous attempts to reach them and multiple other US Bank employees, NO ONE WILL RESPOND!! I have spent hours on the phone trying to get this resolved to no avail. I am XXXX years old wi th a XXXX XXXX . I can not continue to handle this undue stress and the thought of losing my home that US B ank is imposing on me as an il l Senior Citizen. It appears US B ank is looking for a reason to take my home and leave me homeless for their benefit, even though I have made all my payments since the modification. How many poo r Senior C itizens have lost their homes because they do n't have the strength to keep fighting wit h US Bank and US Bank wins in the end?!? Thanking you all in advance for your prompt attention to this matter. | ||||||
| 06/28/2016 | Yes |
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| I 've had a secured account for years, and among other issues, i 've recently tried to close my account. It is secured with a {$750.00} deposit through a local credit union who uses Elan Financial Services as a provider for the cards. I have paid my balance down to {$750.00}. In other words, my deposit and my balance bring our relationship to a {$0.00} sum. I told them i wanted to close my account over the phone. They told me since my account is secured, I needed to provide information in a letter, faxed to a given number. That number is no longer in service. I called back and they appologized and gave me a XXXX number. That number will not accept faxes. The rep explained to me the numbers should goto the holding facility for deposits ( the credit union ) located in another town. I went to the local credit union and spoke with several member service reps and " higher-ups '' and they were all agreed that was non-sense and they never heard of such a thing for secured accounts, that the money is sent to Elan for holding, not them. Elan called me about XXXX2 days later and told me account was past due. I told them I am trying to close the account. That the left hand was sending me to them and they were sending me to the right hand. I spoke with a supervisor, she asked me how long ago I sent the faxes. I spoke out loud as I worked out the day of the week. While I was doing that they hung up on me. About another XXXX3 days went by and they called me for collection efforts. ( my balance is still at {$750.00} out of {$750.00} ) I re-explained to the rep how upset I was for them intentionally making this so difficult for me to close my account, I warned them if they not provide a good functional way for me to close my account I would file a formal complaint. He apologized and told me he had no idea what the other XXXX phone numbers were, that they were XXXX wrong and gave me a XXXX fax number. I told him stay on the line with me, I am at the fax machine at work and we will do this together to make sure it works. I tried to send the fax, but it failed ( no response ). I told the rep on the phone this and he said it is the main fax line and they are usually XXXX people trying to send faxes at the same time so to keep trying. I Tried a second time and received the same failed " no response '' error. On the third try I told the rep, ok I 'm trying a 3rd time now, there was silence, I looked at my phone, he had also hung up on me. He had mentioned there was an address I could mail the letter to, but did not give me that address before hanging up on me. I checked XXXX or XXXX different Elan Financial websites I could find to find the card issuer agreement which should contain the address/fax but they apparently do not publish it online. I would have to call in again and possibly be led in a loop. I feel strongly they are intentionally obscuring the process, and or preventing me from closing my account. I have been in contact with them for the last 14 days of which they have not been willing to provide a resolution. | ||||||
| 06/30/2015 | Yes |
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| I received a letter from US Bank stating that they have mailed me an escrow refund and the check has not cleared. I called US Bank to tell them I never received the check. They told me that they would issue me a new check for a charge of {$15.00}. I told them that I should not have to pay the charge since I never lost the check. It was not received by me. I told them that If I mailed them my mortgage payment and they did not receive the payment I could n't charge them {$15.00} for not processing the payment I mailed them. They told me that the tracked the envelope to the post office that serves my home. I told them that I did not receive the check. I receive my neighbor 's mail all of the time. It could be sitting on his kitchen counter and he could have forgot about it. I objected to pay the {$15.00} fee since I did not lose the check. I asked to speak with a supervisor. I spoke with XXXX supervisors after the initial customer service person. All of them told me that they would not waive the fee. They told me that I could wait 6 months after the check was issued and then the check would be cancelled and my escrow account would be credited. I asked them why I need to wait 6 months to receive my escrow refund. If a customer calls and tells them it was not received then they need to resend the payment and not hold it hostage for {$15.00}. As of today they will not issue my refund unless I agree to the {$15.00} fee. I will not agree to the fee out of principal. They basically bully you into paying the fee. Either pay the fee or wait until next year for us to refund the money. Do n't pay the fee and we will hold your funds. I am certain many other borrowers have caved in to their demands to pay the {$15.00} fee in order to receive the refund that they never received in the XXXX place. They tell me that people call them all of the time to tell them that they never received the escrow refund. Perhaps they need to establish a better procedure to reduce the occurrence of this issue. If a problem repeats itself that tells me that you have a problem with the procedure. I told them that we are wasting allot of time to solve this problem and that my phone calls probably cost more than the {$15.00} fee. All of the supervisors told me that they did not have any authority to waive the fee. I told XXXX of the supervisors that if he is in management and does not have the authority to waive a fee for {$15.00} then he is not in management. What kind of manager has no authority to waive a {$15.00} fee. I asked to speak with a manager who would have the authority to waive this fee. I was told that no manager has the authority to waive this fee. Here is the bottom line- When a customer calls to tell you they never received the escrow refund then send them the refund and thank them for being a client of the bank. Do n't tell them that you are going to charge them {$15.00} because that is what it costs to re-issue a check. They basically are telling me that I am a liar and need to pay the fee because I lost the check. | ||||||
| 06/08/2020 | Yes |
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Web | Older American |
| Fidelity Investments solicited me for a Fidelity Visa Card, which I have had for over a year and consistently paid on time. On XX/XX/2020, while on the Fidelity site, I directed payment of {$21000.00} to the credit card. The popup window gave me options for making the payment, and the default option was " Pay from this Account : Fidelity Investments -- Ending in XXXX. '' I elected the option to pay from that Fidelity account. On XX/XX/2020, I visited the Fidelity site and saw that my payment had been reversed and that a {$25.00} reversal charge had been imposed. I called the " XXXX '' number and spoke to a representative from Elan Financial Services, which manages Fidelity 's credit card operations. Elan responded that Fidelity had rejected the payment due to insufficient funds and that Elan had no responsibility in this case. I called Fidelity and was told that although the default menu gave me the option to pay from a certain account, there was insufficient uninvested cash in that account in order to cover the payment. I responded that the payment menu did not mention " cash available '' within the account, but only the specific Fidelity account with an account number. I noted, in contrast, that when a customer tries to use the Fidelity site to invest from a Fidelity account, there is a popup window that shows the cash available for investment, but there is no similar reference on the payment window for its credit card site. Fidelity denied responsibility, saying this was Elan 's policy, even though Fidelity 's name is all over the credit card site and you can not find Elan 's name unless you scroll to the bottom and read the tiny print. I suggested to Fidelity and Elan that the payment window should not refer to payment from a specific Fidelity account unless it clarified, as Fidelity does with online brokerage transactions, that a customer can only use the uninvested cash portion of a specific account, not the entire account as suggested by the popup payment menu. The payment window that encourages a customer to use a specific Fidelity account is misleading in that it does not clarify that the customer can only use the uninvested cash portion of the customer 's listed Fidelity account and also because it does not list the cash available as Fidelity does with brokerage transactions on its site. I asked both Fidelity and Elan to reverse the {$25.00} fee and they both refused, each claiming that the other was responsible. It would be interesting to know if the two institutions split these fees when they trap unwary customers like me. It is unfair for Elan to just respond that Fidelity is an unrelated party ( when the entire site refers to Fidelity with only a tiny reference to Elan ) and then disclaim Fidelity 's standard practice of telling customers how much cash is available for actions with their accounts. If Elan is inextricably intertwined with Fidelity, it should not be able to disavow Fidelity 's standard practice and collect a penalty fee that bears no relation to any damages to Elan. | ||||||
| 04/22/2015 | Yes |
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| On XXXX XXXX, XX/XX/2015, at XXXX, I was contacted by my grandmother regarding a phone call she received. My grandmother stated that a woman called her claiming that if I did n't call her back today, a sheriff would be sent to my home. I called the phone number given to me. The call was first answered by a man who gave me hisname only. Upon telling him my name, he identified the company as " XXXX XXXX '' and transferred me to my case worker. The next person I spoke to was a woman who said she needed to retrieve my file. While apparently shuffling papers, she gave me a lot of vague information regarding " the case. '' She did n't specifically identify the company suing me until I asked her what she was talking about. At that time, I stated that I did n't purchase anytjing for {$1200.00} in XX/XX/XXXX because I was out of work. This is when I was told the case involved a bank account. When I continued to ask questions, the case worker made statements such as, " I 've never heard of anyone forgetting about a bank account before. Maybe a loan, but not a bank account. '' and, " If you choose to go to court, you will owe {$3200.00} instead of the {$1200.00} this company is asking for now. '' When I continued to ask questions and state that I was confused, the case worker transferred me to someone she described as the attorney handling my case. This woman was more threatening than the case worker. She told me that the bank has camera footage of me entering the premises to attempt to defraud them and that people go to jail for robbing banks. At some point during our conversation, the woman identified herself as a paralegal. I then told her I thought I was speaking to the attorney handling my case. At this time she said I could speak to the attorney for a fee of {$250.00} per hour, and did I want to pay this fee with a Visa or MasterCard. I stated that I would not be paying anyone {$250.00} per hour to speak to them. At this time, I was looking up information online about debt collection practices. I asked the woman for validation of the debt, to which she responded, " We are beyond documentation at this point. '' She also said that, while I 'm " XXXX '' things, I should " XXXX whether people go to jail for stealing from banks. '' In an attempt to reason with this woman I stated that I would not be handing any money over or making any payment arrangements until I was sure of the debt. She then gave me an account number and told me to go today to the US Bank near me, give them the account number, my name, and social security number, and they would provide the information I 'm seeking. I was told to call her back by XXXX. At this point, she said " Good luck to you. '' and hung up on me. I 'm now terrified to do anything that this woman told me to do. I feel like I was being " shaken down, '' so to speak. This law firm never XXXX said they were attempting to collect a debt, I was only told they were attempting to avoid court and anything I said would be held against me in court, as if I was being arrested. | ||||||
| 10/07/2022 | Yes |
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| This account is a re-election account for a State Senator in Washington state. This account goes dormant often in between election cycles. We've had this account for more than two decades. In late XXXX of this year, unauthorized debits began coming out of the account. I noticed this when I logged into the account online in early XXXX. I discovered at that time that the account was overdrawn and had been for more than a month. We ( the other account holder and I ) received no notifications from US Bank alerting us to any of the 25 unauthorized transactions that had been occurring during this XXXX and a half month time period, nor that the account was overdrawn. I called the bank, US Bank, immediately upon discovering this and reported the fraud/unauthorized transactions. I have called several times since to follow up and receive updates or instructions on what to do. They have restored some of the funds in early XXXX, but not all of them. Out of the nearly {$11000.00} that was stolen from the account, only roughly {$2100.00} has been restored. The fraud department at US Bank has been extremely difficult to reach and extremely rude and unhelpful in trying to restore these remaining funds. When I call, I am ping-ponged around repeatedly to different departments, disconnected several times mid-call, and told there's no additional information ( when I haven't been given much information at all ). I am consistently transferred to an intermediary who relays questions and answers back and forth between someone in the fraud department and myself. I have never been able to talk to a live person within the fraud department itself, only self-described customer service " liaisons '' on behalf of US Bank XXXX US Bank has claimed that only the funds stolen within a 60-day reporting window are required by law to be restored. However, my understanding is that it should be from the statement date, not the transaction date, which means another {$5500.00} or so should be restored. Is that accurate? It's unclear if they are going to help us restore the full {$8800.00} that remains unrestored. Sometimes when I call, I am told they are still investigating the remaining unauthorized transactions. Other times when I call they say they are not and the case is closed. I don't know what the true situation is. It also is unclear why they aren't trying to help us restore the full amount stolen even if it is outside the window. I have had several work colleagues who have worked for CFPB or in federal Congressional offices who have told me that it is quite common for banks to restore funds fully, even outside the window. The amount is small, the case is clearly fraud and the account requires special consideration because it's a political account, subject to public disclosure laws/public scrutiny. It's been extremely frustrating to not only have received no notifications about the overdraft or near daily debits, but also the completely unhelpful posture of US Bank in the aftermath. Is there anything to be done here? | ||||||
| 12/03/2021 | Yes |
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| On XX/XX/2021 at XXXX I received a text from U.S. Bank ( this is the bank card that Texas XXXX XXXX deposited my unemployment money on ) stating that an ATM withdrawal of {$200.00} had posted on my account. I immediately called U.S. Bank customer service at XXXX because : XXXX. I did not authorize this transaction XXXX. My balance was lower than it should have been. XXXX. I had my card ( XXXX XXXX XXXX XXXX ) in my possession and had not used it. When I called US Bank, I was greeted by a representative that asked me for my card number, social security number and address. I then explained to her that I received a text stating ATM charges. After explaining she stated to me that in the beginning of XXXX someone had called in without all of my correct information and changed my address from XXXX XXXX XXXX XXXX, XXXX TX. XXXX to a new address on the east coast. And also had a new card sent to this new address. She also said that my account had been marked as possible fraud alert. She said that there was nothing else she could do but to transfer me over to the fraud department. After being transferred to the fraud department the representative took my information and opened up claim. The claim stated that I had not authorized XXXX charges that had posted on my account. I was told I needed to write a statement saying I did not authorize charges and it must be received with XXXX days. The representative also said that they couldnt change my address back to my address back to the original address of XXXX XXXX XXXX XXXX, XXXX, TX. XXXX because she stated, that in the State of Texas it is illegal for U.S. Bank to change the address for any card holder account that address is in Texas that I would need to contact the Texas XXXX XXXX ( TWC ). I replied to the rep then how did my address get changed in the beginning of XXXX it was not XXXX. I asked for a supervisor and the supervisor told me the exact same thing that it is against the law for U.S. Bank to change the address. I then made over a dozen to calls over several days to the XXXX being transferred from XXXX department to another. I finally reached someone at the XXXX stating that she would open a ticket explaining my situation about my address being changed at U.S. Bank. The representative at XXXX stated that my address had not changed therefore she didnt think anything could be done from the XXXX side but she still opened a ticket. Approximately XXXX business days later I called U.S. Bank and gave them my information and was told that they couldnt give me any information on my account because the address does not match whats on file for me. I asked for a supervisor and was transferred to the supervisor which told me I had to call the XXXX to get my address changed. After numerous calls I was told by the XXXX to put in a complaint to CFPB regarding U.S. Bank and maybe it will be resolved once and for all. I still have a balance on in this debit card and can not access my money because I can not change the address to get a new card sent to me. | ||||||
| 09/24/2022 | Yes |
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| After I am a very disgruntled customer. And Im not being treated with honesty or transparency. I called in XX/XX/XXXX to END my forbearance and could resume payments. I was told I could modify the terms of my loan to address the balance that accrued while in forbearance. Noting this went into forbearance due to both my husband and I losing our jobs due to COVID. I have been trying to resume payments since XXXX XXXXXXXX. Due to a misstep by your agents on XX/XX/XXXX, my first loan modification was cancelled. I received an apology for the miscommunication and finally received NEW loan modification terms on XX/XX/XXXX. At that point, I sent the required trial payment and subsequent trial payments. I have still not received my loan modification documents. On XX/XX/XXXX I received by certified mail that I had a right to cure my mortgage and that failure to do so bu XX/XX/XXXX would result in foreclosure of my home. I have little confidence in your process as this has been an issue since XXXX when the the firstl loan modification promised me was ALSO cancelled by some glitch in your system. I have been disconnected 3 times today and each time I need to start over, and I never have been able to reach my relationship manager XXXX XXXX. The problem, is that no one ever gives me the same answer. Contradictory instructions and misinformation is not acceptable. Period. I am requesting a letter that indicates foreclosure proceedings is an error ON YOUR PART. You can call it a glitch, but this excuse doesnt fly when I might lose my home and my credit is being affected. On XXXX I spoke with XXXX. The take aways from this conversation as follows : 1- Loan Modification in progress- NOT TRUE 2-Foreclosure notice sent/generated in error NOT TRUE 3-No action required on my part. No payment required NOT TRUE 4-was reassured credit not being affected NOT TRUE 4-Loan Docs not sent as of XXXXTRUE 5-Underwriting waiting on title- which is a lie, that I learned when I spoke to an agent on XX/XX/XXXX. This is the second time Ive been lied to, but asked to file under miscommunication '' This info WAS NOT ACCURATE, in fact- had I not called on XX/XX/XXXX, the foreclosure would have proceeded. This is YOUR error. What would have happened if I did not call today? On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) 1- Loan modification was cancelled mysteriously 27 days ago 2-Therefore foreclosure WAS/IS proceeding, however he CANCELLED it and escalated the loan modification 3-Credit entities WERE NOTIFIED of late payments, Im told that you will notify the credit reporting agencies that it is YOUR error and I want this in writing from you. The explanation I received? Some random deferment plan was open and messed up the process? I was told, this has been cancelled and that the load modification terms in place in XXXX would be honored. 4-expect to receive docs 2-3 weeks Again, this is an absolute mess and I do not know what is truth is ( and dont appreciate being lied to ). Your prompt attention is expected. | ||||||
| 11/17/2018 | Yes |
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| I opened a U.S. Bank Cash+ Visa Signature Card in XX/XX/2018 because it looked like it had good benefits for a 'daily use ' card. It also offered 0 % interest on balance transfers, so I opted to transfer a balance from another card, hoping to 'consolidate ' my accounts into US Bank , since I already had checking and savings through them. When it came time to make a payment I did what I thought was correct to avoid interest and paid my purchases + minimum payment. Here is what their website ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) says about applying payments : " We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. '' Unfortunately a little further down there is this information : " Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Unlike every other card with a 0 % promotional offer I've ever had - if you make any purchases it basically voids the 0 % interest on the promotional balance. This is very surprising and confusing to me. This seems to be confusing to their representatives, too. I called in XXXX when I got my first statement that included an interest charge, as I didn't understand why, since I'd paid purchases + minimum payment. I spent 45 minutes on the phone with a very pleasant representative who told me to pay 'purchases + minimum payment + interest ' to avoid interest charges. She didn't mention the little gem that says the entire balance needs to be paid, I think she wasn't aware of it. As I mentioned, I was pretty sure I had paid purchases + minimum payment, but the statement was difficult to parse since the balance transfer was listed on it, so we assumed I had missed something, and I said I would take her advice going forward. As a result, I paid the purchases + minimum payment + interest for my XXXX payment. I received my XXXX statement only to find another interest charge. I called again and spoke with a nice representative who told me the same thing, " Ma 'm, you need to pay the minimum payment + purchases + interest '' and I said - let 's walk through the math on the XXXX statement and as you can see, I did pay that. He agreed and said it didn't make sense. He consulted a supervisor and they told him, in the disclosure ( which I am now waiting 10 business days to get a copy of ), it states that you have to pay the full statement balance ( including the balance transfer that is supposed to be subject to a promotional interest rate ) to avoid paying interest. I feel like this is very deceptive, the statements are not clear and the representatives don't even seem to be aware of how this card works. Why offer a 0 % balance transfer with a daily use card if using the card for daily purchases then means that you have to pay the entire balance including the transferred balance to avoid interest? | ||||||
| 10/14/2021 | Yes |
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| XX/XX/21 us bank XXXX XXXX XXXX branch manager of XXXX XXXX night I had stopped by US banks ATM machine and attempted to deposit cash into my bank account. After deposit the ATM machine did not credit my account nor give me back my cash. Instead it issued receipt and told me to call a number in regards to my issues. Upon calling said number I reached XXXX branch manager of store XXXX. XXXX was Extremely unhelpful he was bias from the start of the call. He wouldnt listen to my complaints and concerns he showed no compassion nor degree of wanting to solve the problem at hand. He argued with me and I had a number of times threaten to close my account at which times I would remind him that you can not be in your personal bias and then get mad at the customer for letting me see how you came out of your professionalism and now letting your personal hangups dictate the way you were. There was no reason for him to threaten to close my account I simply needed him to do his job and help me out.He wanted to argue and did so with me for over an hour before allowing my request to be submitted. After he said he submitted my request for investigation. I called back the next day to check in with my account and was told by that agent over the phone that Monday was a holiday and I probably would not be a progress made into the investigation. So there next Tuesday I went to my local bank branch the same one with the broken ATM and asked if there was anything that I can do or need to be done she said no call the number on the receipt. I again went home call the number on the receipt asked of woman on the phone if there was anything US Bank do to alleviate any of my stress and anxiety due to my money not being available yet I have bills to pay this week. The woman and I talked for over 45 minutes where she attempted to call the US name bank branch again and ask the bank why there was no immediate Solutions for the problem at hand. Turns out there was nothing that could be done but she then told me that she could put in another paper to experience process thank you so much and have a nice day that was the end of that car. Fast for Thursday I called back to check in on the investigation only to find out that my account has been forced to close by branch manager on Wednesday due to a conflict that we had on Monday, XX/XX/XXXX. There are a couple of things wrong with this because again the young man has no grounds to terminate my account during the call but she still wanted to do but there was no grounds he threaten me in the car XXXX and XXXX XXXX times that he wanted to close my account and couldnt do it for me to call but he has no grounds now come to find out that he so wholeheartedly vindictive and malicious he wanted to attack and a customer Who was only seeking some help with a problem incurred by the bank. So now not only am I out of my cash money from this ATM I am targeted by a bank employee who Is racially biased against XXXX-American sounding customers. This is totally unacceptable and inappropriate. | ||||||
| 05/23/2016 | Yes |
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Web | Older American |
| 1. XXXX XXXX, XXXX. Medical emergency in family. XXXX would be needed. After 33 days of experiencing the medical care available plus the rehabilitation center in our " small '' town I realize that the medical care needed was not available in our small town. I contact my family in a " big '' city with good medical care to see if they would be willing to help. My family was willing. 2. XXXX XXXX I obtain housing the new big city. 3. XXXX XXXX put home on market in our small town, " For Sale by Owner ''. I stopped working to care for my family member and get ready to move. 4. XXXX XXXX. No offers were received since XXXX XXXX so listed the home for sale or rent with a Realtor. XXXX XXXX move to big city for better medical care and XXXX. 5. XXXX thru XXXX, XXXX. Our home in small town is shown for sale or rent but receives no offers. 6. XXXX XXXX. 7 Months later, I realize we could not afford to continue to pay and keep up the expenses of the home in the city and the small town. Contact Mortgage Company to make them aware of the problem. Deed the property to the Mortgage Company ( Attached Doc # XXXX. Doc shows our transfer of property to Mortgage Company XXXX/XXXX/XXXX ). 7. XXXX XXXX Mortgage Company accepts transfer by transferring Deed from one mortgage company to another mortgage company. ( Attached Doc # XXXX. Deed ). 8. XXXX XXXX Mortgage company secures the vacant home and changes the locks. 9. XXXX XXXX receive letter from VA. ( Attached XXXX # XXXX VA letter ). 10. XXXX XXXX thru XXXX XXXX ( 17 months ) work with Mortgage Company to supply documentation for a Deed in Lieu of Foreclosure in the loan modification process. 11. XXXX XXXX email sent from Mortgage Company with SECOND denial of Deed in Lieu of Foreclosure for lack of documentation. ( Attached Doc # XXXX and # XXXX. # XXXX Partial list of documentation requested and sent to Mortgage Company. More docs can be furnished if needed. # XXXX Email from Mortgage Company stating denial and THIRD request to start loan modification process. ) XXXX. XXXX XXXX. Mortgage Company Appraisal of small town home. ( Attached Doc # XXXX Appraisal ). 13. XXXX XXXX. I have had over two years of hardship with a family member. I have struggled with the Mortgage Companies loan modification process sending some of the same requested docs over and over. I am XXXX years old and have been XXXX for 18 years. My new home in the small town has depreciated from {$270000.00} that I paid XX/XX/XXXX to {$210000.00} XX/XX/XXXX and now {$23000.00} in charges have been added to the mortgage making the property owe over {$250000.00}. I listed the home for {$230000.00} to pay the mortgage and the Realtor fees, giving up my equity in the property. I have complied with the Mortgage Company loan modification process 2 times. I have deeded the house to the Mortgage Company. Please advise how I should continue with my request for Deed in Lieu of Foreclosure with US BANK. ( Attached Doc # XXXX Mortgage Company statement ). Thank You for your help and advise. | ||||||
| 01/22/2021 | Yes |
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| My fiance and I had no choice but to defer our mortgage payments due to XXXX. We are first time buyers and most of our nest egg went to our down payment and closing costs. We only ended up missing about XXXX months payments, and when it came time for us to resume our payments, we gladly accepted the loan modification agreement. We took time off work and got our documents notarized at the bank and mailed them back in the envelope provided by US Bank. The documents were never received and I was not notified, and then began receiving phone calls from debt XXXX asking me to pay my balance. I informed them I had signed a loan modification, and then disconnected the calls. I finally contacted US Bank to question when I would stop receiving debt collector calls and thats when I was told I would not be eligible for the loan modification due to failure to return documents. But I did return them it was not my fault they were never received. I was then sent a second set of documents, my fiance and I tried again at the bank getting them notarized and sent back. They were denied again due to my fiance not signing the proper name and the signatures not being legible. US Bank created multiple aliases for my fiance on their own accord, including his : First name, middle name, and last name XXXX initial, middle name, and last name XXXX name and last name Because he didnt sign all XXXX names, our documents were refused AGAIN. I only found this out from a phone call I placed to US Bank, they did not contact me. We were sent yet another set of documents and took yet another day off of work to get to the notary. My fiance signed all XXXX names to the best of his ability on the small line they provided for him to do so. We sent them back the same day, and yesterday, XX/XX/21, I called US Bank to check on the documents. They were refused again. Why? The first representative I spoke to said their underwriting department refused them because he did not fit them all onto XXXX line. I questioned this, saying it was absurd they expected him to sign XXXX names, including XXXX between each on XXXX small signature line, legibly. I asked to speak to the underwriting department, I was told this can not be done. I asked to speak to my relationship XXXX, the representative told me she would connect me and actually just transferred me back to the general customer service line. The next representative I spoke to told me my fiance did not sign all XXXX names in the proper order. This left me incredibly confused with no clear answer. I just want my paperwork to be accepted so I can resume paying my mortgage. I can not afford to keep taking time off work to get to the notary on time. I can not risk losing my home, and I can not get a clear answer from US Bank as to why they are making this so difficult. I find this practice to be predatory, as there is no clear guidance on how to properly complete these documents. I also find it unethical how I can not speak to a XXXX to explain or assist with my documents. | ||||||
| 11/01/2023 | Yes |
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| I am the agent on behalf of XXXX XXXXXXXX XXXX. I have the capacity to contract but I am facing significant issues with Elan Financial Services who is owned by U.S.Bank.Elan Financial Services has been negligently violating a number of my rights under the United States Constitution.I 've expressed to them that all bills are the obligation of the United States which is shown in the United States Constitution Article 1 section ( 10 ), Article IV. I've also expressed that the Federal Reserve Act Section 16 also states that bills are the obligation of the United States. As well as 18 usc 8 stating that bills are in fact the obligation of the United States.Additionally 15 U.S.C. 1601 lets me know the informed use of credit which protects consumers from unfaircredit billing and credit card practices.I 've also expressed that the Bill of Exchange Act 1882 states that all bills are billsof exchange and gives a step by step guide on how to endorse bills. Elan Financial Services received my first notice on XX/XX/2023 which was my claim of credits notice. I also gave specific instructions for the CFO to apply the principals balance to the principals account for each and every billing cycle for set off.Elan Financial Services received in the notice my letter of instructions, endorsed bill, durable power of attorney, and a copy of the Federal Reserve Act Section 16 showing their violations. After Elan Financial Services received my first notice I got a response letter dated XX/XX/2023 stating that my endorsed bill/ negotiable instrument had no meaning and that I am still liable to pay my account. As a result of non compliance I sent my second notice that was received on XX/XX/2023 which was the Opportunity to Cure. This notice contained all of the contents that were in the first notice along with Federal Reserve Act Section 29 which emphasized tier two. I waited five business days and did not receive any response or set-off to my account. Again, after non compliance I sent Elan Financial Services a third notice which was my Notice of Default packet which contained all the contents that were in the Opportunity to Cure notice along with Federal Reserve Act Section 29 with tier three emphasized. I waited another five business days once they received my final notice and I still did not get a response or set-off to my account. At this point Elan Financial Services is blatantly ignoring my clear direct instructions as the original creditor to this account and agent of the principal. I have done everything in my power to handle this matter civilly but Elan Financial Services refuses to accept my endorsed bill/ negotiable instrument to satisfy the principals account. As a result I am being extorted and I have not been able to fulfill my agent duties and obligations to XXXX XXXXXXXX XXXX I the agent am submitting this complaint in efforts to rectify this situation which is a direct attack on the U.S. Constitution and receive a full set off for XXXXXXXX XXXX account for each and every billing cycle. | ||||||
| 09/29/2021 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau : Re : US Bank Mortgage Acct # XXXX I am writing this letter in complaint of US Bank who is my mortgage lender for my home. US Bank unilaterally purchased forced coverage for Wind Insurance on XX/XX/XXXX retroactively for XX/XX/XXXX to XX/XX/XXXX at the cost of {$5600.00}. This coverage is redundant as I already have the required wind insurance through my home insurance XXXX XXXX. I have called US Bank representative numerous times from XX/XX/XXXX until now. Myself and my XXXX XXXX agent have explained to them and uploaded proof of insurance to XXXX. Each time USbank representative has not called back nor emailed back. US Bank placed a lender placed wind insurance first time on XX/XX/XXXX and then refunded on XX/XX/XXXX. Then on XX/XX/XXXX US Bank placed again {$5600.00} wind-only coverage lender premium. US Bank representative has since refused to remove the premium. I do not any emails from US Bank because they did not email or follow up after any of the calls. I have enclosed emails from the XXXX XXXX agent, XXXX XXXX, explaining to US Bank that my home insurance DP3 policy includes wind insurance. The US Bank representative has said that if we show that we have wind coverage then the lender placed premium would be removed. On XX/XX/XXXX, XXXX XXXX uploaded another letter explaining that my homeowner insurance includes wind coverage. Despite proof of wind insurance ( part of the coverage of DP3 insurance ) as provided by XXXX XXXX. The US Bank representative have refused to remove the charge ( {$5600.00} ) for their redundant wind insurance. On the phone, the US Bank representative said that they can not remove the lender placed premium of {$5600.00} because US Bank is requiring hurricane coverage for my property and my current homeowner insurance does not have hurricane insurance. Yet, none of the US Bank letters sent to me had any mention of hurricane requirement. Each of the US Bank letter had requested wind coverage, which we had shown them we have. US Bank placed {$5500.00} on XX/XX/XXXX, then refunded on XX/XX/XXXX, then charged XXXX again on XX/XX/XXXX retroactively for XX/XX/XXXX. Does this violate any truth-in-lending? When I signed my home mortgage with US Bank in XX/XX/XXXX, US Bank had approved my homeowners which did not include any hurricane coverage. ( Attached XX/XX/XXXX XXXX homeowners insurance ). On the phone, the US Bank representative is saying US Bank can not remove the wind coverage premium of {$5600.00} because it covers for hurricane. Yet, US Bank has not sent any written notice to me requesting for hurricane coverage. US Bank sent letters with request for wind coverage, which I had sent proof that I have. I am asking for US Bank to remove and refund the redundant lender wind insurance on XX/XX/XXXX for retroactive coverage XX/XX/XXXX XX/XX/XXXX of {$5600.00} when wind coverage is included in my current home insurance DP3 policy. Sincerely, XXXX XXXX | ||||||
| 05/06/2019 | Yes |
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| I have called US BANK over 24 times to try and get my Balloon note modified. I have never missed a payment on this house and bought it before I was married on a balloon Note that was modified 5 years ago onto another Balloon Note by US BANK although at that time Ballon notes were illegal both under federal and State law. I was told at that time not worry about it and that it could be modified 5 years later if necessary. US Bank is the owner of the loan so they didn't need anyone 's permission. This RESET my amortization so over the past 5 years hardly any of my payments have gone to principal. So after 10 years of being on Ballon notes I owe as much on the house as I when I bought it. The house is Severely underwater ( was bought during the great recession ) and thus we can't refinance. We had saved up enough money to pay down our balance and refinance, but our house was ravaged by 2 hurricanes in 2 years and we lost one of our businesses. We had to take out a FEMA loan to survive and now have steady income again. We were forced out of homes 2x in 12 in forced evacuations. I provided evidence of this all to the USBANK. They just don't care. It is heartbreaking. If we don't get this modified by the end of this month the mortgage will be called due and we have no money to pay it. Every time we contact USBANK we have received different answers as to w hat is going on. We were even told that we applied for financial help only to find out by a supervisor that it was misleading and they were just looking at our financial situation. PLEASE HELP US. Our lives have been destroyed by the hurricanes and not something we were ever dreaming would hit us just months after we moved into our home. We lost my aunt as the result of one of the storms so we are lucky our lives were never in jeopardy. I am pleading for help. USBANK is refusing to accept our documents as submitted and continue to harass us for things that are clearly not needed, but are used to say we never got them everything to make a decision. Despite repeated requests to have them call us or Email us they simply send letters that often contractict what is told to us on the phone. I Have been told to ignore them on several occasions. I have never received a call back from single point of contact despite over 10 VM 's left. The latest injustice is they are requesting a new lease agreement despite having an addendum on the existing one extending it when the original lease expired. They are saying my addendum ( written by an attorney ) is not good enough. They now say that document since it doesn't have an END date is not valid. I was told an assistant not an underwriter made this determination and even speaking to a supervisor was told she didn't agree with the decision. So now USBANK representatives are acting as real estate lawyers and not even the underwriters. I should have NEVER been put on another balloon note when the last one expired and can't believe despite showing an unexpected hardship due to one in a generation storm. | ||||||
| 05/20/2016 | Yes |
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| I would like to lodge a formal complaint against my servicer, U.S. Bank & their attorneys, XXXX XXXX XXXX, XXXX. I received the attached Fair Debt Initial Communications Letter from XXXX XXXX XXXX, XXXX on XXXX XXXX, 2016. It clearly states that I have 30 days from receipt of their notice to dispute the validity of the debt or any portion thereof. It further states that if they do not receive a dispute from me, they will assume the debt is valid. I wholeheartedly dispute their debt allegations & have submitted a validation/verification letter to their attorney, XXXX & XXXX for further explanation. Please note I did not receive a Notice of Default unless that is what htis First Communications letter is purports to be. Then, on XXXX XXXX, 2016, one ( 1 ) day later, I receive a Notice of Sale scheduled for XXXX, 2016. Clearly, they assumed the debt was legitimate within a day as they elected to send a Notice of Sale prior to the 30 days passing. They never gave me the opportunity to respond. Additionally, over the last two months, I have submitted my Loan Mod Package for consideration 4 times & my mortgage assistant representative keeps telling me via email that they have not received it which I do not believe as I have mailed, faxed & emailed it. And, even though I am eligible for a mod, they keep refusing to give me one. They have added a ridiculous amount of fees to my account over the years without explanation. And now, after all this time, I see that my mortgage amount has decreased. I am not certain why they increased it so much in the first place. Also, there are many accounting errors in my file that they refuse to address. I assume someone made them finally take a look at it. I am totally perplexed as to how U.S. Bank & their representatives continue to deny modifications, claim to have lost paperwork & request it over & over again ; conduct all kinds of questionable as well as illegal practices ( i.e. foreclosing on homes that are not the party in interest ; using fraudulent mortgage assignments ; XXXX loans that never were timely placed in a trust ; refusing to disclose the trust name to a homeowner at several written requests ; refusing to respond to question on QWR ; TIL violations, etc. ) & get away with a slap on the hand. I have plenty of documentation to back up every allegation I have asserted & more. I respectfully ask that someone of authority have a real look into these matters & that U.S. Bank & their representatives follow the rules & laws implemented. After all, since they are attempting to conduct a non-judicial FC based on a Power of Attorney signed without me having representation, the fact that they are not the party in interest as required in Georgia to conduct a non-judicial FC ; the Mortgage Assignment clearly is fraudulent ; XXXX XXXX XXXX issues, etc., they should be duty-bound to proceed within the rules & not be allowed to continuing stealing homes that have no legal right to. Their repeated actions seem to have no viable consequences for them. | ||||||
| 02/21/2019 | Yes |
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| SUMMARY : US Bank refuses to honor the signup bonus per the terms and conditions I applied under, and as a result ( intentionally or unintentionally ) baited me into paying a {$400.00} annual fee for a card with a promotional offer that would not be honored. DETAILS : On XX/XX/XXXX - I applied for the " US Bank Visa Infinite Altitude Reserve '' card. I was approved for the card on or around XX/XX/XXXX. The card advertises a " XXXX US Bank point bonus after spending {$4500.00} on the card within the first 90 days of card membership ''. The terms and conditions stated at time of signup : " One-time XXXX bonus Points will be awarded when you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and after eligible Net Purchases totaling {$4500.00} or more are made to your account within 90 days from account opening. Points are earned on qualifying Net Purchases. " Net Purchases '' are purchases minus credits and returns. Please allow 68 weeks for your bonus Points to be credited to your Account. You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type. Existing and previous U.S. Bank Altitude Reserve Visa Infinite accounts are not eligible for bonus Points for a similar account type. One-time bonus Points do not apply toward account upgrades. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. " I later called to verify this sign up bonus. It was verified as valid by Customer service. I then received an email re-iterating the terms and conditions, and promotional offer on XX/XX/XXXX. Some time later, in theXX/XX/XXXX statement period, I completed the requirements ( spending {$4500.00} on the card ). I called customer service in XXXX, and was told I would get the bonus points on the XXXX statement. When the XXXX statement posted - I did not receive the bonus points, as promised. So I called customer support again on XX/XX/XXXX. I was told by a supervisory customer support representative that I was not eligible for the points because I had the card previously. The terms and conditions of the offer state clearly : " You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type ''. The Supervisor acknowledged that this was correct, however refused to honor the promotional offer. As a result, I requested to close the card, and have the annual fee refunded but was told that an annual fee was refundable only within the first 30 days. I have attached : ( 1 ) The email received on XX/XX/XXXXstating that I would receive the bonus after spending {$4500.00} in 90 days. ( XXXX ) ( 2 ) The US Bank altitude promotional offer as shown on the web-page I applied on datedXX/XX/XXXX. ( XXXX ) ( 3 ) A screenshot of the terms and conditions ( as stated on the page I applied via ) datedXX/XX/XXXX. ( XXXX ) | ||||||
| 05/10/2020 | Yes |
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Web | Older American, Servicemember |
| I have a problem with a us bank credit card and us bank themselves for this issue specifically. I have a credit card ending in XXXX. I went to use it to pay a utility bill and it was denied two consecutive times. I called us bank credit card dept. to see if they knew why. The woman there found that I had clicked on the wrong month for the expiration date. I dont believe that I did that but whatever happened there she stayed on the phone as I tried again and it went through fine. This card was to expire the end of XXXX. I had received the replacement card about a month prior and had not yet activated it. This reminded me that maybe I should go ahead and activate it. I looked and didnt seem to be finding it. It is nearly impossible that anyone had stolen or taken it as I live alone and have had no break ins or visitors. I had just somewhat misplaced it. I thought maybe the credit card department could just send me a replacement so I called to see. I asked if they could do that and if there would be a charge for that. The woman said no charge and they could do that. I specifically asked if it would have the same account number as I had no interest in changing account number. If that would be I would just look for the card I already had as it is probably around. I was then expecting a replacement with my same account number. Within 24 hours I happened to be on the bank website and there was a notification that my current card would be deleted and would be inactive soon. I called and was told that the card was reported as stolen or lost. ( In the original call I never used the word stolen and if I did it was to say it was not stolen just misplaced. And if I used the word lost I explained that it was just misplaced. I was sure it was not lost at all. I also have the original card in my possession currently, it also is not stolen or lost. ) This woman now said that I would be getting a new card with a different account number and there was nothing that could be done to change the stolen/lost entry and this change. I called the next day during office hours and the woman I talked to there again told me nothing could be done to return my original account number. This is going to be a problem for me for who knows how long with accounts that are linked to this card and other inconveniences. I have had this number for a couple years and I even know the number by memory including the expiration date and security code. I do not want to change my card number. ( I in fact did receive the exact thing I requested, a replacement card with my same account number that same day but they would not activate it as they said that account was deleted. Someone at their company entered this improperly. ) Apparently this was done correctly initially but then someone/somehow it was changed to stolen/lost and the account was deleted. I called within 24 hours to correct this mistake and they would not do it. This policy or whatever is behind this is should not be and they should return my proper account number. | ||||||
| 08/25/2017 | Yes |
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| I have been reporting fraud charges to US Bank that have occurred repeatedly over the past 16 months. This occurred with five cards. Four of the five were US Bank cards ( one personal checking debit, one business checking debit, one business credit card and one personal credit card. The fifth card was with XXXX XXXX ( a personal credit card ) and they have been responsive and making efforts to reverse the charges. I have filed several reports with US Bank, met with bankers, spoke with branch managers, spoke with the corporate fraud department, and finally, two superintendents in the fraud department. Each time, I was starting over with each representative because they told me that they do n't have the adequate information to process the cases. What little was processed, was mostly reversed and they charged it back to my cards. These transactions were obviously fraudulent. They did not match my spending habits. The suspect was repeatedly doing ATM transactions from my credit cards, often times on a daily basis, for the max of {$500.00} each time. I was in the hospital for extended lengths of times on various occasions and I can prove that it would not be me making those withdrawals. I have submitted a police report, statements with the fraudulent transactions highlighted, a break down of when I was an inpatient in the hospital and the police have videotape of the suspect. He is also being suspected as the person who broke into my home, stole my car and my mail, as well as opening a credit card in my name from a " pre-approved '' application. This fraud is currently exceeding $ 32K and the bank not only is refusing to deal with me on these claims, they already shut down my debit and credit cards ( without notifying me ) and then they sent me a certified letter today letting me know that they are closing down my accounts completely and they will no longer do business with me. This is a bank where I have done reputable business for over 15 years, without any previous issues. My most recent communications were with " XXXX '' in US Bank corporate fraud department at XXXX XXXX in late XXXX and then I was later referred to a " XXXX '' at XXXX XXXX. The main number for the fraud department is XXXX. I have also followed up with my local branch office in the past two weeks with XXXX XXXX, XXXX XXXX ( both supposedly branch managers in the XXXX XXXX, MN office ) and XXXX XXXX. All were unable to assist me further. I also contacted " XXXX '' in the XXXX branch in XXXX. He is now out of the country, so nothing has been accomplished with that either. I completely disgusted that the bank never made an effort to contact me when they suspicious charges started occurring. When I was in the hospital, I was unable to closely monitor my accounts. These transactions have also cost me withdrawal fees, overdraft fees and an enormous amount of interest. Not to mention that it has drained me financially and it has ruined my credit score. I need some assistance with resolving this matter. | ||||||
| 06/06/2023 | Yes |
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| I was notified on XX/XX/XXXX that I had unclaimed funds in my XXXX reward prepaid visa account. I thought that I had closed this account XXXX years ago but contacted them the morning after I had received the letter from them. The card is serviced by US Bank. They told me I had {$1800.00} still sitting in my old account. I verified all of my info and the was told a new card would be sent out. I would receive it XXXX with MY money on it. I did receive the card. When I went to activate the card, I could not because someone had entered the last XXXX of my social security number incorrectly in their system. I will tell you this is the specific reason I cancelled this account to begin with XXXX years prior and I had jumped thru every hoop they had requested back in XXXX. I faxed them multiple copies front and back of my ss card and my XXXX Drivers License. Each time I would call to follow up with them to make sure all my info had been received and would be corrected, I was given different information as to which dept to send my ID to, the fact that I had to be issued a new card once my id was verified or the fax was blurry and I needed to resend. Take your pick each new customer service agent I spoke to gave me slightly different info for the entire XXXX or XXXX months of calling between XXXX and 4 times a week and spending hours on hold each time I called. So back to this past XXXX. I once again could not activate the account. So like a bad dream that won't end this began again. I faxed my ID with the account number documented which I did. They said they received it and then told me i had to be issued a new card because it would have my correct info. They once again sent me a new card and wouldn't you know, I could not activate it because no one had updated the account with my proper info. I called yet again, now that this had dragged on for nearly a month I get a customer service rep who tells me they do not update ID info on these cards anymore but she can request that I am issued a.paper check for the {$1800.00}. Of course this could have been done the first phone.call I had verifying the funds were.mine, but ok so time to wait another week and a half. So finally today I receive a paperback written to me by us bank card member services. I go to a US bank branch in person. I give them every piece of info they ask for my name address phone birth date, social security number, my occupation, furnished them With mutiple valid forms of id. Only to be told the check is good, yes it is written on their bank, but they could not cash it it had to be deposited into my bank and then I would. XXXX able to access the funds. How is this legal or ethical in any way? This has been one of the most miserable and anxiety inducing experiences of my life honestly. It is precisely why I gave up XXXX years ago and forgot the money was there to begin with. They have held my money hostage for XXXX years and somehow issued me a bank check that can not be cashed at their bank. .please help! | ||||||
| 08/30/2022 | Yes |
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| XXXX is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX XXXX XXXX XXXX, MN XXXX cc : U.S. Department of Justice 950 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by XXXX Bank XXXX XXXX all US Bank XXXX XXXX to XXXX XXXX, is an account number that is also unknown to XXXX XXXX. This account number was referenced for correspondence sent to XXXX XXXX XXXX XX/XX/XXXX asxa Notice f rom US Bank National stating there was a Notice, Transfer, Sale, Assignment of Mortgage for this account number on XX/XX/XXXX by US Bank National . Assignment of Mortgage The Basics When your original lender transfers your mortgage account and their interests in it to a new lender, thats called an assignment of mortgage. To do this, your lender must use an assignment of mortgage document. This document ensures the loan is legally transferred to the new owner. Its common for mortgage lenders to sell the mortgages to other lenders. Most lenders assign the mortgages they originate to other lenders or mortgage buyers. Who is the original lender for account number When was this account sold to US Bank National? Who sold the account on XX/XX/XXXX. Who was the purchaser of this account on XX/XX/XXXX ( see attached Notice of Assignment of Mortgage ). XXXX XXXX looks forward to your response within 20 days from the date of this letter. UNLESS the specific documentation requested is provided to XXXX XXXX, any and all further written correspondence sent by USPS, by an attorney, or by any other party/entity regarding XXXX AND this account number and/or mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Very truly yours, XXXX XXXX XXXX | ||||||
| 04/22/2023 | Yes |
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Web | Older American |
| XXXX ) XX/XX/XXXX I purchased a XXXX XXXX XXXX seller assigned its interest in the contract to XXXX XXXX XXXX in the loan amount of {$91000.00}. XXXX ) XX/XX/XXXX, The vehicle had Sudden acceleration when stopped, the vehicle smashed iron security gate, crashed through the reinforced concrete wall. XXXX ) XX/XX/XXXX, designation of attorney to XXXX office of XXXX XXXX at XXXX XXXX, CA filed lawsuit against XXXX XXXX. XXXX ) XX/XX/XXXX XXXX XXXX referred an auto repair shop, the vehicle towed to XXXX XXXX XXXX XXXX XXXX.The lawyers office has advised the body shop in numerous times that the XXXX car is in litigation and should be preserved as it and is component parts are material evidence with the claims in this case. XXXX ) I keep paying the monthly mortgage payment {$1600.00} to US bank since XX/XX/XXXX though the vehicle is not operable, waited for trial of litigation. XXXX ) Suddenly, A letter mailed to me from US bank dated XX/XX/XXXX notified that the bank to sell the vehicle at private sale after XX/XX/XXXX. US banks agent, auto secure recovery repossessed the vehicle from XXXX XXXX XXXX XXXX XXXX, the bodyshop had received payment of {$20000.00} in cash on XX/XX/XXXX for parking fees. Neither Myself nor my insurance company, My lawyer had received notice from the bank before they authorized the payment and had lien against my account. My attorney office and me had contacted with US bank to find out who had authorized to pay the {$20000.00} in cash without verified or notified to me as the holder and owner. I was told that XXXXXXXX XXXX XXXX XXXX misrepresentation that the vehicle owner abandoned subject vehicle, they intentionally failure to disclose the fact of pending litigation with XXXX XXXX. There are missing parts and body shop spoliation of evidence with the claims in this case. several tows by the body shop to auto secure recovery and retrieved, they damage the evidences, the parts lost. The delay of the trial and inspection of XXXX XXXX caused the body shop to defraud me of {$20000.00} for parking fees. XXXX ) Twenty three months after the accident, the defendants technicians finally came to my place to inspect the vehicle. XXXX ) Theres no estimate or any contract with XXXX XXXX XXXX.the body shop did not repair the vehicle. I'm the customer who paid auto mortgage as scheduled every month and did not break the contract. Why US bank pay {$20000.00} parking fees to the body shop so easily without notify or consulting with their customer? After that, My lawyer and me requested explanations from US Bank. Whats department and who authorized the {$20000.00} in cash payment to the body shop, but the bank dragged and ignored to respond. Now XXXX 's is unwilling to bear the losses caused by their delay in inspected the incident XXXX vehicle. US bank need to explain and remove the lien against me. Please investigate all parties of US bank, XXXX XXXX XXXX XXXX XXXX related to this frauds. Who actually received /shared the {$20000.00} parking fees? | ||||||
| 10/12/2021 | Yes |
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| I am a consumer, and have been violated according to 12 CFR 1026.13 ( d ) ( 2 ) that states : " Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' U.S. Bank National Association has reported information of a delinquent account ( 30 day late ) that is in a billing error status on XXXX XXXX to the credit reporting agencies. On several occasions I had requested clarification of the billing error both by recorded phone call on XX/XX/2021 at XXXX PST, as well as by USPS Certified Mail with included Certificate of Mailing form XXXX on XX/XX/XXXX, XX/XX/XXXX and most recently on XXXX XXXX in accordance with 12 C.F.R. 226.13 ( d ) " Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date ; ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. also 15 U.S.C. 1666 ( b ) ( 2 ) " A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' ; U.S. Bank N.A. has violated the terms of billing error and has not provided any requested documentary evidence to satisfy such claims of debt. '' On XX/XX/2021, while the account in question has been in dispute for a billing error, U.S. Bank National Association had reported my personal information to the credit reporting agencies without my expressed written consent. 15 U.S.C. 1681b ( 2 ) states : " In accordance with the written instructions of the consumer to whom it relates. '' I, the consumer was not given the opportunity ; written or oral, to " opt-out '' according to 12 C.F.R. 1016.7 by U.S. Bank National Association prior to reporting this false information that is currently in a billing error status. | ||||||
| 11/21/2020 | Yes |
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Web | Servicemember |
| On Thursday XX/XX/2020 A company called me and stated that they were hired by the XXXX XXXX XXXX XXXX firm and that it was important for me to call the Law firm at XXXX back and give them the reference number XXXX. I asked the representative repeatedly why and what was it about, she refused to tell me, so I called the number the person who answered the phone rudely told me after I gave her the reference number that I owed {$6000.00} on a loan I was paying on for 5 years and stopped, I told her I haven't taken out a loan and I asked her where was this loan taken from, and that the only loan I had taken was from the SBA and it was paid off in full and they owed me money because I had overpaid. She said the US Bank I tried to assure her that I did not or ever take out a loan from that bank, she said it was taken out from me and I used the name, XXXX XXXX, I told her that was my married name in which I never changed it to legally so how could I take a loan out under that name. She started yelling at me I started yelling back she told me that they were going to send me litigation papers to sue me she called out my current address and said they were going to garnish my check and put it on my credit report. I asked her for the US bank and her law firm address, she refused to give it to me and hung up. I immediately called the agency that called me to contact the law firm at XXXX to get their address and the law frim address they refused to give it to me I called them repeatedly they kept hanging up finally I got through to someone who claimed to be the supervisor she said her last name was XXXX I asked her for the addresses she would not give it to me but stated that the office was located in California yet the phone number on my phone shows that their number is from XXXX North Carolina she hung up after I told her I will call every day until I get the names to call and the address of the law firm, then a XXXX man called me asked if I was XXXX when I said yes he proceeded to use racial slurs calling me repeatedly the XXXX, ugly, and a XXXX needless to say I cursed him out to the point that he had to hang up the phone then I tried to call Ms. XXXX back to let her know I knew she had that man call me I learned that my phone number was blocked by them and the law firm. I do not owe any money, my credit score is over 700 that they are trying to destroy by putting a bogus delinquent loan on my credit report and, they plan to put me in financial ruin by garnishing my check also they threatened to sue me and damage my credit. Please help me I am an elderly person who is constantly dealing with stuff like this every time I turn around. Immediately after I got off the phone with them, I got a call from these foreigners who sound like they are from XXXX telling me I am going to be arrested for owing over {$20000.00} to the Social Security department, you would think they would get enough of me cursing them out for three years which is the amount of time they have been calling me | ||||||
| 04/02/2017 | Yes |
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| My son, bless his heart, gave me a {$25.00} Mastercard Gift Card for XXXX last year. He paid {$3.00} to have it activated. I put it away to use in a few months for something I really wanted - the card was NEVER OUT OF MY POSSESSION in fact IT WAS NEVER OUT OF MY HOUSE. I signed up online to validate the card but then I put it away. When I finally tried to use the card about 3 months later it was denied and when I looked online 3 charges had been made that used up the card. The card has never been out of my possession and it is very suspicious that all 3 of the charges were made at a XXXX Gas Station in XXXX, Missouri and XXXX, Missouri which is close to where my son bought the card. I called right away and was told to fax in a bunch of stuff which I did and had to pay for the fax fee. Then later they said MAIL US SOME STUFF which I did and paid for postage - a month later they wrote me and said SORRY YOU WAITED too long - there is a 3-month time period you have to contact us by. They did n't say 3-months past what? It should n't matter because THEY CHOSE to allow charges to be made without the card present. But it does n't matter to them because they got their money so XXXX me and my son too. But it was not 3 months past the last charge was added but there is no warning that people copy the 3-digit code and can use these. They say KEEP IT IN A SAFE PLACE which I did - they do n't warn you that you better check it EVERY DAY or someone might steal your money. So this is just wrong - they let the money be stolen and they do n't warn you when you buy it that they will let someone steal your money. If I had the card locked up in a bank vault somewhere would have made no difference. They do n't care they got their money - they had me jump thru their hoops and they ignore the attorney general and I am frankly XXXX this is LEGALIZED THEFT. If its a credit or a debit card you have some recourse but with " Gift Cards '' ( should be called ROB YOU OF YOUR MONEY CARDS ) they thumb their nose at you and send a letter after you jump their hoops saying " we 're so sorry ( yeah right ) but there 's nothing we can do because its past 3 months ''. They CAN do something - they can do the right thing but they do n't want to because they are crooks. I have alread spent so much time and money pursuing this - my son did n't give me this gift so I could waste 40 or so hours trying to get {$25.00} - he got screwed and so did I but TOO BAD. So I contacted the Missouri Attorney General and took great care getting all the documents and attachments just right and they finally wrote the company and the company ignored them so it is nearly a year now since my son gave me the card and I have spent 100 's of ours pursuing this and I have had expenses jumping thru the company hoops after which they told me WE ARE SO SORRY WE CA N'T HELP YOU ARE TOO LATE. Too late? As soon as I found out I contacted them - I thought since the card was with me locked inside my house it was safe but NO ONE CARES. | ||||||
| 09/13/2023 | Yes |
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| Hi my name is XXXX XXXX. Back in XXXXi was currently living in XXXX, XXXXI had become unemployed and homeless due to the COVID pandemic.I was living on the streets trying to find a job so I can get back on my feet.I was at a convenience store panhandling trying to get food. This Lady which name is XXXX came up to me offering to help me .I told her about me losing my job and becoming homeless.She asked me why I didnt I applied for unemployment assistance.I explained to her that I didnt have a phone to call them or access to computer, and the workforce local offices was closed due to COVID protocolsXXXX told me that she can help me with getting my unemployment benefits.She said that her friend is one of the head supervisor at the Headquarters in XXXX and that she will help me.she bought me some food and some clothes and got me a room for that day.i give her my ID, social security card.I told her my mother name and maiden name .My old address, when I graduated from high school, my siblings names.old phone numbers and she wanted me to take a selfie of myself with her phone. She said that she needed all of my information to give to her friend. Then she give me a phone. Like a week later she told me that I will be getting my unemployment benefits and that she is getting me a po box so the card will be sent there that she bring the po box keys tomorrow that she had to go to work. She never came back. I called over a million times it went straight to voicemail then she changed her number and cut off the phone she give me.I borrowed a phone and call XXXX about my benefits that they had awarded me about XXXX dollars. and benefits asked them had a card been issued and was told that it was deposited into account and I couldnt not change anything on the account because of a pin on the account .so I went the XXXX XXXX police station and tried to filled changes for identification theft and report her for scamming me. They that I dont have enough evidence they cant go through with the investigation. Months passed and I moved back to my hometown .my friend help look XXXX by using her phone number .she find out her real name XXXX her address .wth that information I call XXXX they told me that They will investigate and change the PIN number then was told that it was now a XXXX that was sent to her address .so I call XXXX to report the card stolen I provided them with her address but all the money that was on the XXXX was taken off that was about almost XXXX altogether.i had to provide them with my id, selfie and social security also I send them photos of XXXX her address and her facebook .disputes all the transaction all of them was atm withdrawnals all was made in the city that she live. i finally recevie my card and they all award me XXXX dollars from the disputes .XXXX havent done anything the police wont investiate than i had to change to recvice my unemployment benefits to my bank account then it will change to back to XXXX and another card issued that i did not do. | ||||||
| 09/09/2022 | Yes |
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| In XX/XX/XXXX, I contacted my bank teller/manager ( named XXXX XXXX XXXX of my US Bank branch account via email request to process an international wire transfer regarding a real estate property my husband and I were acquiring in XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I shared all the information needed to process the wire transfer to XXXX via email ( containing all beneficiary bank account information ). On XX/XX/XXXX, I went personally at the US Bank branch located in XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) to placed an international wire transfer. I was helped by the bank teller/manager named XXXX XXXX who XXXX had previously spoken via email and shared required information for the transaction. While filling out the request form XXXX XXXX told us their system required an extra digit for the IBAN number and the added an extra / at the end of the number I provided, he said that was a normal procedure when this situation happened. I never provided an extra / digit as part of any number. I showed him pictures and files with the correct account, XXXX, XXXX, XXXX numbers provided by the beneficiary and their XXXX XXXX manager contact. All numbers were triple checked. XXXX XXXX then placed the wire transfer request to their wire desk department and provided me with a printed Receipt of Remittance Transfers Consumer International ( USD / FX ). Later on I was also provided with another receipt named Wire Instructions Confirmation. Later on after many requests placed by the beneficiary bank named XXXX XXXX, US Bank teller XXXX XXXX was also able to provide another document called XXXX XXXX XXXX referencing transaction identified as PAYMENT PRINT : XXXX XXXXXXXX. The amount transferred was {$8100.00} ( which was R {$40.00} reais at the time ). The funds never showed up in the beneficiary account. I have placed many requests to XXXX XXXX bank and their proper exchange department ( named in portuguese XXXX XXXX XXXX XXXX XXXX ) and they continue to say the numbers were never transferred. On XX/XX/XXXX I placed a recall on US Bank with bank teller XXXX XXXX Later on another request for recall was placed with XXXX XXXX on XX/XX/XXXX via email. Before placing the recall, I also spoke with bank teller named XXXX. XXXX who called their wire desk with no success, I was specifically asking XXXX XXXXXXXX to provide documentation such as receipts and XXXX XXXX XXXX. As of XX/XX/XXXX the money has not been refunded to my account and US bank said if XXXX does not respond to the refund request or chooses to not send the money back, that there is nothing that US bank can do to refund me. On XX/XX/XXXX, XXXX XXXX sent me an email saying their wire desk finally got a response from XXXX where they said " XXXX has finally reached out and informed us that they are in the process of returning the funds. Typically take 3-5 business days from here ''. As of XX/XX/XXXX and the 5 businesses days have passed and I don't have my refund or any update on the situation. | ||||||
| 02/02/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX filed a complaint in foreclosure stating they are US Bank National attorneys and not acting as debt collectors. I never received anything not did i send them written consent to contact. I sent XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, request for proof of Authority that they were hired by US Bank National Board of directors and they ignored my request. XXXX XXXX XXXX in collusion with XXXX XXXX XXXX XXXX XXXX agents entered the Foreclosure Complaint and opened up a XXXX XXXX Common Pleas account to collect a debt without prior written consent to contact using private information I did not provide them nor did I approve anyone to provide them. Neither XXXX XXXX XXXX agents nor the XXXX XXXX XXXX XXXX XXXX have entered on the record a prior judgement from a court of competent jurisdiction or prior written consent. Though I did not receive first communication about a debt the post master stamped XXXX on 4 certified return receipt mailings and pulled off the XXXX XXXX pretending to be agent and having representative capacity. The US postal Service does not have POA over myself and committed Federal Crimes. I have reported the Federal Crimes to the XXXX XXXX Clerk as well as to the US post office but neither have done anything to correct the matter. The request for proof of authority to the Debt Collectors misrepresenting as US Bank attorneys was a Judicial Notice sent to everyone involved. That Judicial notice was entered as an answer to the Foreclosure Complaint rather than a Judicial notice of Intent to Sue and Attorney No Authority. It was in no way an answer and explicitly was titled Judicial notice. The XXXX XXXX XXXX XXXX XXXX XXXX will not correct the record. Once the Judicial notice that included Intent to Sue and a Cease and desist was entered as an answer to the complaint in foreclosure all other communications between the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX debt collectors was sent to the XXXX XXXX XXXX XXXX XXXX XXXX. I have verification that the XXXX XXXX Treasurer was also sending mail addressed to XXXX XXXX XXXX to the Sheriff 's address and it was never returned to sender. The XXXX XXXX XXXX XXXX XXXX XXXX does not have a power of Attorney or agent representative capacity to receive mail addressed to XXXX XXXX XXXX. I have tried to correct this matter sever times and not even the Commissioner will respond. My house was allegedly sold at Sheriff auction with full knowledge of all the abuse of process and I and my daughter and pets are in danger of being forcibly removed from my home. XXXX XXXX XXXX debt Collectors published a ss # on public record and opened up several accounts pretending to be me requesting information form the Dept of Defence and a Title Company. Again i did not give them POA or prior written consent to do anything on my behalf. This is an emergent matter I have evidence of everything stated and am willing to aver in open court. | ||||||
| 06/18/2018 | Yes |
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| On XX/XX/XXXX, I received a voicemail from someone saying their name was XXXX XXXX claiming to be a process server, no company name given and that she was going to be serving me at my home address or place of employment on XX/XX/XXXX to take me to court. I was told to call XXXX. I called that number and it does not state the name of the company. After several rings, the phone was finally picked up by someone who again did not state the name of the company. She said her name was XXXX and that they had purchased a debt from U.S. Bank. She threatened that if I didn't pay {$1400.00} over the phone that day at that moment with my debit card that I would be taken to court and made to pay around {$5000.00} in legal fees. I asked for documentation of the debt because I did not previously receive anything. She said US Bank was well known for not performing due diligence but that she wasn't required by law to provide documentation of the debt. She said she would email me an agreement to pay only if and when I was at a computer at that moment and would e-sign while on the phone with her agreeing that I would pay with my debit card. I again asked for documentation of the debt but was told I didn't have to pay if I didn't want to, I could just pay the {$5000.00} once I was served and taken to court if I'd rather do that. I told XXXX that I wanted to call the bank to confirm. She said she would give me until Monday which is today at which point she would have me served at home or at work if I hadn't paid by then. I was refused the name of the company until I agreed to sign the agreement to pay via e-sign in my email which they wouldn't send to me until I was at a computer and while on the phone with them. I called US Bank Monday XX/XX/XXXX and they informed me that they sold a debt in my name to XXXX XXXX XXXX several years ago for an account that I had over a decade ago. I was informed by US BANK that XXXX XXXX XXXX was now out of business and the bank had no idea who would be contacting me about this debt. I also then found out from my sister, my brother and my parents that they had each received a phone call from the process server threatening to serve me and take me to court. I have tried identifying the name of the company by reverse lookup of the phone number but couldn't find a legitimate company with that number. I told XXXX from this unknown debt collector company that I had no issue paying any legitimate debts I had as long as I was shown documentation of the balance owed which she refused to give me. I don't feel comfortable giving out my debit card information to someone unwilling to give me a company name and unwilling to show me documentation of the amount owed. So, I decided to file a complaint because I feel like this method of threatening or scaring me into paying something I have no documentation of to a company I don't have information on, is just wrong and possibly illegal. I have the voicemail saved on my phone from the supposed process server. | ||||||
| 11/22/2023 | Yes |
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| I am a US Bank customer I was applying for a personal loan, personal line of credit, and for some reason I keep getting denied for the pre-screening process after the pre-screening process the next step is to do a credit check, which involves hard inquiry and I have not been through that yet because the pre-screening wont allow me to pass giving me a denial letter that says insufficient funds or overdraft on the account, I spoke with loan consultants XXXX XXXX customer relations and bankers of all management levels and no one can help me. No one has no resolution or even heard of the situation that Im trying to explain that I am showing that US bank system is being misled by information that is false which would be considered an error. I wonder how many people this has happened to trying to get a loan I know I meet the loan requirements after pre-screening as far as income, credit, history and all that etc. Ive spoken with XXXX people within a day and a half with a total of XXXX minute phone call for the first day which was XXXX people and then I spoke with XXXX people the next day with the same concerns and it just goes in circles, I understand if my credit was being checked and was being considered for funding but I cant make it past pre-screening. I need to speak with a US Bank official that has authorization to look into accounts and speak to me about these concerns that I have because no one else in any department that US Bank offers has that ability or even knowledge to what Im trying to tell them they wasnt even familiar with the bank state code for Ohio 1611 and I was trying to explain that as well instead I get hung up on phone and tossed around to different people that dont understand why Im calling and where was I transferred from no communication at all very unprofessional Im not understanding how these people get paid so much money to look over citizens accounts and they have no care in their job or knowledge to help them make their job easier its just unprofessional and makes no sense. I just have a little concerned that I want looked at because I feel like its a small error thats happening from the system. It would be nice to speak with someone from corporate or human resources, or some type of corporate department in person to either explain, or go through what Im going through with me. Ive had a banker and a manager hang up on me at a XXXX center location which is inside the XXXX grocery store off of XXXX and the managers name is XXXX and the other guys name was XXXX both as unprofessional they both hung up on me twice disconnected the phone call which let me to call back and try to resolve the situation and it did not work. They were still frustrated and took their personal emotions out on me while they are working and Ive never met these people or seen them in person and this is how they treat people who call in about their own bank I cant keep doing this I need help please Im just trying to use a Service that my bank offered. | ||||||
| 12/20/2022 | Yes |
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| I have submitted numerous complaints to you about the practices of US Bank Reliacard and neither US Bank nor the CFPB is doing anything about their thievery. I am sick of it. This is absurd. US Bank Reliacard has done the exact same thing they did the first time, absolutely nothing. I do not accept this response. Do the individuals at the CFPB not read the complaints submitted? Does the CFPB not read the responses the company provides? US Bank Reliacard did answer address a single question or concern again. US Bank Reliacard indicates that I beneffited from the fraudulent transactions. Tell me how. How did I benefit? They claim I had a pattern of use. Tell me what that pattern is. What pattern does US Bank claim to see? The only pattern that I see is that the fraudulent withdrawls occured at a credit union I do not use, where as my withdrawls occur at a bank at a different address. So what pattern is US Bank referring to? They will not answer the question and the CFPB apparently isn't asking the question either. My location was used in US Bank Reliacards determination they say. I can not and will not be held accountable for where the card thief used my card. If US Bank Reliacard reviewed any of the evidence I provided them they would be able to see that MY LOCATION on the days in question was in an entirely different township. I was miles and miles away from the credit union in question. So what location information does US Bank Reliacard have about my location that they are using to make the determination? These are all the same questions I have been asking the entire time. These are the same questions US Bank Reliacard has refused to answer the entire time. These are the same questions the CFPB is refusing to help me seek answers to. I do not accept this lack of an answer, not before, not now, not ever. US Bank Reliacard is just as big of a criminal and thief as the person/persons who stole my debit card. The CFPB is running a close second. By allowing these institutions to get away with not having to honor the customer agreements people sign, you are condoning their actions. You are aiding these thiefs. Ask them the questions I have been seeking your help with getting answers to. Those questions still are the following : XXXX. What about my location, specifically, was considered in US Banks denial? XXXX. In what way, specifically, did I benefit from the fraudulent ATM withdrawls? XXXX. What pattern of use, specifically, does US Bank claim to see regarding the fraudulent withdrawls? XXXX. What about my monthly statement does US Bank consider to be evidence in their favor or evidence of why they made their decision the way they did? XXXX. Aside from my monthly statement what enclosures did US Bank provide me as evidence why they made their decision they way they did? Not only did US Bank Reliacard yet again respond to XXXX questions I presented, the CFPB responded and assisted with answers to XXXX questions. Thanks for nothing, again. | ||||||
| 01/27/2022 | Yes |
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Web | Older American |
| XX/XX/XXXX XXXX XXXX XXXX XXXX, USBank RE : XXXX XXXX XXXX XXXX Dear XXXX XXXX : My business was started just as COVID-19 struck us in XXXX of XXXX. The equipment I leased in XX/XX/XXXX was sitting in the warehouse of XXXX XXXX. It was installed in XXXX of XXXX, and according to the terms of the Lease, I was to get XXXX months grace period after installation not from the date of signing the agreement. The Dental office was immediately shut down until XX/XX/XXXX. We had no business and no income! I never got the XXXX months of grace period after the installation of the equipment. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX demanded payments immediately in the middle of the Pandemic. XXXX XXXX unfairly listed me as a high-risk defaulter when in fact I have enough asset to back up the loan. During Covid-19 Pandemic, XXXX XXXX was supposed to work with me and provide me with all the options to get relief, reduce payments and or postpone payments. He transferred the loan to USBank so so he could hide his mistakes and deny me a fair deal moving forward. During the second wave of COVID-19, My office was again closed between XXXX and XXXX except for a few emergency visits. I was unable to conduct business as usual. I had Pandemic related financial hardship and desperately needed and deserved additional Covid-19 relief. I had the right to request additional forbearance for at least 180 days. Based on the COVID-19 relief offered by the government, I had requested additional relief based on the medical emergency with myself and my family As a XXXX XXXX XXXX during the midst of COVID-19, you should have been more understanding and strived to help me recover and get back on track. Good Lenders are always willing to work with their clients to resolve the situation. As a good commercial lender, you were required to work with me and inform me about all my options during the COVID-19 before slapping me with property insurance charges and late charges. I complied with the USBanks requests and provided all the documents you requested and made payments as was arranged despite the Pandemic hardship that we are facing to this day. This information on Insurance charges and late charges was not disclosed to me from the beginning of the loan. Please take off these unfair late charges and property insurance charges when in fact I have had the XXXX XXXX for business property for the entire office and equipment since XX/XX/XXXX. Your equipment has never been uninsured since it was installed in XX/XX/XXXX I was shocked to learn it had late charges and legal fees added to the account without informing me. I had requested COVID-19 relief to make partial payments as is provided by Federal Law. I am kindly requesting that the ALL-late charges and the Insurance property charges be removed from my account, and I am willing to pay off the entire balance. Please send me a final pay off bill. Thanking you, Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX | ||||||
| 07/24/2019 | Yes |
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| This letter below was sent on XX/XX/XXXX and we were ultimately told on XX/XX/XXXX that we'd have a response by XX/XX/XXXX from the lender, US Bank. To date, they've not offered any remedy to our initial letter from XX/XX/XXXX. XX/XX/XXXX VIA CERTIFIED US MAIL US Bank Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and US Bank National Association Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX, OH XXXX RE : Loan # XXXX Acct. # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, OH XXXX Dear Sir/Madam : Please be advised that this law firm represents XXXX XXXX XXXX and XXXX XXXX XXXX with respect to their claims against US Bank Home Mortgage. The XXXX had worked with your XXXX Ohio XXXX to refinance their home. The goal of the refinance was to consolidate debt of a first and second mortgage and to payoff their home in 10 years. The loan officer, XXXX XXXX XXXX, showed they could lower their monthly payment and accomplish the goal. On or about XX/XX/XXXX, a closing disclosure was furnished to Mr. and Mrs. XXXX showing a monthly payment of {$1900.00}. Based on this information, they consummated their refinance and closed on or about XX/XX/XXXX and disbursed on or about XX/XX/XXXX. Within the monthly payment of {$1900.00}, was an escrow of {$240.00}, of which {$150.00} was the amount stated for real estate property taxes. Apparently, an error was made by the loan officer and all the way through the checks to closing and the tax amount only represents half of the amount needed. In Ohio real estate taxes are charged semi-yearly, which has been the case over 100 years. US Bank Home Mortgage US Bank National Association Page 2 XX/XX/XXXX Recently, the XXXX received an annual escrow account disclosure statement which shows that they have a shortage of {$3500.00}. Keep in mind that all payments have been made timely and that the half year tax amounts actually went down in XXXX. They are now $ XXXX/half and last year they were $ XXXX/half. The XXXX believe that but for the negligence of US Bank they would not have refinanced their home. Also, the XXXX were trusting their lender to handle their paperwork accurately and to use all due diligence to correctly address establishing escrows and disclosing the proper payment information. We would like to request that US Bank remedy this situation in either the following manner : 1 ) Waive the escrow shortages and begin a payment starting XX/XX/XXXX with the correct amount ( without arrearage ) and a check to the XXXX for {$500.00} for their legal costs and trouble ; or 2 ) Refund to them all payments made and make them whole to refinance with another lender. You have 20 days to respond to our requests. I have advised the XXXX that if you can not resolve the matter to their satisfaction, they should file a claim with the Consumer Financial Protection Bureau and we may bring a lawsuit for damages against US Bank. Very truly yours, XXXX XXXX XXXX RS/rcs cc : Mr. and Mrs. XXXX XXXX | ||||||
| 06/25/2018 | Yes |
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| On XX/XX/XXXX I contact US Bank concerning a get well plan for my past due payments. On that date I agreed to an ACH payment to occur on XX/XX/XXXX. Unfortunately the customer service associate made an error and the ACH payment was processed that day when the funds were not available. On XX/XX/XXXX, when I received the overdraft notification from my bank, I contacted US Bank and advised them of what was going on. I was advised by the customer service associate that I should stop the payment at my bank. He also stated that their system was down at the moment so he could not pull the call to verify the arrangement, and that once the system was back up, he would call back to resolve the issue. I did not hear from them, therefore I contacted them again on XX/XX/XXXX. During that conversation I was advised by the customer service associate that a supervisor would contact me by the end of the business day to resolve the issue. I did not receive a call back. I contacted them again on XX/XX/XXXX and was advised that it was in the supervisor queue for a call back, still no contact. On XX/XX/XXXX I was actually contacted by the collections department due to my late status. I missed that call and immediately returned the call. I spoke with a young lady that took the initiative to resolve the issue. She had the call pulled and verified the mistake made by the customer service associate on XX/XX/XXXX. She advised they would remove any fees that they had in their records due to the returned check, and that they would refund the stop check fee of {$30.00}. The associate stated that their normal policy was to mail any refund payments under {$100.00}, and that it would take 7-10 business days to receive the check. I advised her that it was unacceptable due to the fact of how long the issue had persisted and my financial situation. She stated that she would speak with her supervisor to get the authority to wire the funds to me. She stated that she spoke with her supervisor and received the approval to wire the funds. She stated that it would take 24-48 hours. On XX/XX/XXXX I was contacted by their collection department again. They were contacting me in regards to the status of my account, although on each of the previous calls I had advised them of what my get well plan was. The associate made no mention of the status of the refund transaction. When I asked about the status of the transaction I was advised that the refund had been mailed because the payment was under {$50.00}. I told advised her of the situation, at that point she transferred me to a supervisor, he only announced his name and then the call disconnected. I called back and spoke with another associate that consulted with his supervisor and stated that there was nothing that they could do in their department and sent me over to a senior customer service associate. That associate advised that there wasn't anything that they could do, and that I should receive the check in the next couple of days. | ||||||
| 05/17/2016 | Yes |
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Web | Older American |
| I have a Kroger 1-2-3 Rewards Visa card, issued on XXXX/XXXX/16 by U.S. Bank. Points are assigned, based on a XXXXcategory, XXXXpoint system : XXXX point per dollar of net purchase outside Kroger XXXX ; XXXX points per dollar of net purchase inside Kroger XXXX ; XXXX points per dollar of net purchase of Kroger brand products. On my Visa account, XXXX purchases made inside Kroger Store # XXXX XXXX {$59.00}, posted XXXX/XXXX/16 and {$12.00}, posted XXXX/XXXX/16 ) were designated incorrectly, as though the purchases were made outside a Kroger store, in spite of the fact that the statement shows the purchases were made inside the Kroger store. These place-of-purchase errors resulted in an understatement of reward points. Specifically, the first error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$59.00} x XXXX points = XXXX points ) ( Wrong : {$59.00} x XXXX point = XXXX points ) [ Net Understatement : XXXX points ]. The second error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$12.00} x XXXX points = XXXX points ) ( Wrong : {$12.00} x XXXX point = XXXX points ) [ NET Understatement : XXXX points ]. In total, U.S. Bank/Kroger owes me XXXX more points. Since my account opened on XXXX/XXXX/16, I visited the website ( XXXX ) every day and therefore know when U.S. Bank/Kroger posted a purchase transaction ( on the Account Activity screen ) and whether the purchase was designated as inside Kroger or outside Kroger, by seeing a change in the accumulated points in each of the XXXX categories ( on the Rewards Center screen ). When I saw the first place-of-purchase error, I ( a ) printed the Account Activity screen and the Reward Center screen, ( b ) began documenting the actions I took to try to have the errors corrected, and ( c ) printed the XXXX screens thereafter when the next transaction posted. Therefore, I have proof of these errors, and XXXX continue to visit the website daily in hopes that the errors I reported have been corrected. To date, I have spoken to XXXX people at U.S. Bank ( on XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ) and XXXX person at Kroger ( on XXXX/XXXX/16 ). All have passed my issues to someone else, thereby thwarting my efforts to speak directly to someone who has the authority to correct the errors and who can tell me when the errors will be corrected. The errors have not been corrected. Furthermore, I was given conflicting information about who assigns points. I asked XXXX different people at U.S. Bank : " Which company -- U.S. Bank of Kroger -- assigns points to a category? '' I was told, " U.S. Bank '' by XXXX person, but told " Kroger '' by the other person. When I spoke to a representative at Kroger, the answer was " U.S. Bank ''. It seems as though I am getting the run around. To date, the errors have not been corrected and I have not received a phone call, an email, a text, or a letter regarding the errors and when they will be corrected. | ||||||
| 02/07/2023 | Yes |
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| XXXX - Id theft and account takeover of USBank XXXX card + other cards/accounts. This dispute is regarding the US Bank XXXX card. I had an original owed balance of {$1900.00}. After the fraud the balance went up to {$7300.00}. XXXX - I created FTC Id theft report # XXXX, filed a police report with the city of XXXX, Oregon, reported fraudulent activity to USBank, sent police report & affidavits to US Bank upon their request XXXX - US Bank flagged my account as fraudulent but did not remove {$5700.00} in fraudulent charges. Upon my phone call USBank said the case was " resolved '' but it still posted the {$5700.00} as owed by me. US Bank reinstated the monthly auto withdrawal of {$480.00} on my personal checking to pay the {$5700.00} which I didn't owe ( + original {$1900.00} ). XXXX - XXXX Several phone attempts by me to have USBank stop the auto withdrawal of my personal checking account. The account was flagged so customer service couldn't get in to stop the auto-withdraw and they would send me to Fraud Dept . The Fraud Dept would say they don't have anything to do with billing and I needed to talk to Customer Service. I tried to log in to USBank but the account was locked. Tech support at USBank couldn't do anything because the account was flagged as fraudulent. At their request I sent ANOTHER copy of police report, affidavits and all my notes, evidence. I ended up having a " stop payment '' put on the by my bank, XXXX XXXX XXXX XXXX, but not before they collected several months of {$480.00} payments ( an on amount due which was fraudulent ) XXXX - XXXX - In dispute with USBank regarding amount due. Once I stopped sending them money, they started looking at my account again to resolve it. In XXXX I received letter that the {$5700.00} was credited to my account. I was still disputing {$650.00} in charges due to them withdrawing money from my checking as well as other smaller fees incurred by me canceling the auto-debit at my XXXX XXXX XXXX XX/XX/XXXX - Spoke with XXXX - a USBANK supervisor in Customer Service who handles Fraud and he escalated me to the Operations Manager. I told him I am happy to pay on the original {$1900.00} that I owed and nothing more. He said USBank would begin billing me and we both agreed to use regular mail to circumvent all the previously stated issues. XX/XX/XXXX - I received a letter from XXXX XXXX Debt Collection representing USBANK! I never received any communication from USBank after my conversation with them XX/XX/2021. I did not know my account was being sent to collections! So, with XXXX I agreed to start monthly payments of {$150.00}. That account is running and is current. I did NOT know this would be called a " charge off '' and I did not know how negatively it would affect my credit report. FTC IDENTITY REPORT # XXXX XXXX XXXX I HAVE APPROX XXXX PAGES OF NOTES, RECORDS, POLICE REPORT, AFFIDAVITS, BILLS & COMMUNICATIONS FROM USBANK AND OTHER CREDIT CARD COMPANIES INVOLVED IN THIS CASE. | ||||||
| 08/06/2020 | Yes |
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| On XX/XX/XXXX, and XXXX charges from XXXX XXXX XXXX XXXX were on my account. I did not see them til around the middle of XXXX due to the fact I do not use my credit card that often so didn't open my bill upon its arrival. My daughter who pays my bills immediately called the company and got them to close the account and issue new ones unfortunately they only issued one to her mine never came. That was the XXXX statement when we saw them closing date of XX/XX/2020. We called the company and talked to a XXXX on a conference call in the fraud department and he said there are other charges from a car rental I am assuming you have not been anywhere else would like me to get rid of those also and we said yes. So on the bill closing date of XX/XX/2020 the charges had been removed we had a new account and assumed everything was taken care of. Imagine our surprise when opening the new account bill dated closing date XX/XX/2020 there was a charge from XXXX rent a car in XXXX Fl for XXXX on XX/XX/XXXX posted to the account on XX/XX/XXXX. This time my daughter called the company and we did a conference call so they knew she could talk on my behalf and talked to a XXXX who assured me after explaining what was going on they were all removed and she kept saying its marked as fraud why is it there. What was confusing to us and no one can give us an answer on is how those charges were able to be put on our new account. So again we assumed it would be taken care of silly us upon opening the statement dated XX/XX/2020 it was still there so we called again on XX/XX/XXXX because we were able to be together in my daughter 's car spoke to a XXXX in the fraud department who after hearing of our situation and veifying my information immediately put us on hold for 10 mins and then someone called XXXX got on the line and put me thru the 3rd degree asking me questions that no one had ever done to me before since I am XXXX I got a little confused and my daughter tried to help and the woman said he must answer where my daughter said well he won't know that answer because i don't even know that answer. Once she listened to us she said yes there is fraud i can see that my daughter said do you see the one from XX/XX/XXXX she said yes I will get it taken care of and we will change your account number and send you new cards. Unfortunately the XXXX statement came and the XXXX rent a car charges from Oklahoma have been removed they were XXXX but not the XX/XX/XXXX. So my daughter has now been checking it online and they have not yet removed the one from XXXX nor have they sent us new cards. We wrote a letter and sent it to them and have yet to hear from them and I will now be marking my statement disputed and only pay those charges that I owe. My daughter has locked the account so no one can use it also. In addition I will be reporting this mess to the Wisconsin Fraud dept if I can figure out where that is and may try the XXXX police department because it is definitely theft. | ||||||
| 03/11/2016 | Yes |
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| Within the Summer of XXXX, I went into the US Bank, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and closed both of my checking and savings accounts with US Bank. I received a statement for XXXX XXXX to XXXX XXXX, XXXX, which indicated that I had a {$0.00} balance within my savings account. Much later on, I received a statement for the period of XXXX XXXX, XXXX through XXXX XXXX, XXXX, that I was charged a " Monthly Maintenance Fee '' of {$4.00} on XXXX XXXX. A letter, which was dated on XXXX XXXX, XXXX was received and indicated, " This letter is to notify you ... your account has been overdrawn for XXXX consecutive business days. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Another letter was received, which was dated on XXXX XXXX, XXXX. The letter stated that " This serves as a final notice regarding the overdrawn balance in your account. Our records indicate that your account has remained delinquent for 20 business days. If your account remains overdrawn, your account will be closed by the Bank and your account will be transferred to U.S. Bank 's Recovery Department where further collection attempts will be made. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure, we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Today, which was XXXX XXXX, XXXX, I called US Bank at XXXX. The male individual indicated that he would not be able to assist us, since the account has been closed for more than 3 months. He redirected us to the " Collections '' department. Then we spoke with XXXX who rudely indicated that she could not help us and that we needed to speak with the branch that closed our account, and to speak with a branch manager or banker, but not a teller. We immediately called the US Bank branch where we closed the account, which was located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We asked to speak with a branch manager. XXXX stated that the branch manager was not there. We mentioned that we could speak with a banker as well, so XXXX proceeded. XXXX indicated that we needed to contact the " XXXX '' number because she did not have access to our files. We stated that we have already called them, and she said in an extremely rude, condescending tone, " Why did you wait so long to follow up? '' In response, I rudely stated, " Why did you charge me? '' and my significant other stated, " We did n't know. '' A bit later on, I just hung up. | ||||||
| 09/10/2015 | Yes |
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| US BANK CREDIT CARD STATEMENTSCARD WAS OPEN XXXX OF XXXX WITH A XXXX PERENT INTEREST- Explained to us bank about my us that I had a income cut because of divorce and ask for a hardship program. This request went on for the last 6 months. No one would offer me help. I had a fico score of XXXX and now it dropped XXXX points. Only after they reported me 30 day late they begin to offer me help ; which I found out through money management. So, I called us bank alerting them that I found out about their program and they suddenly begin doing application ; which was on XXXX/XXXX/XXXX. The program wanted me to pay XXXX and they would not compromise and said that 's all they can offer. Around XXXX I called and spoke to a supervisor name XXXX who was rude and thought my situation was a joke. After going back in forth and pulling teeth by asking ; what is your rule and policies when you ask for help - what status your account have to be in, and she said no status it is up to the customer service rep and then chuckled. The next day, XXXX I spoke to clearance moore about XXXX behavior and he said he would review the audio and call me back, I left messages on XXXX and XXXX for his feedback. Today, XXXX I called us bank and spoke to XXXX, and motioned that my credit has been ruined because us violated Obama XXXX act by not allowing me to opt out of the card by not sending me a 45 day notice that my XXXX percent interest card was going up to close the card. US bank violated my rights as a consumer by not disclosing my rights. Each supervisor and customer service had a choice to use morals and ethical codes to assist me. Because they did not follow Obama XXXX act they violated my rights by not allowing me to close my card and opt out of the high interest rate. They violated their ethical principles XXXX uncompromising intergrity by not doing the right thing and disclosing the property information by not being truthfulThey did not respect my hardship in leaving an abusive marriage when interacting with telephone calls and not documenting calls, They did not take responsibility for their mistakes after I made repeatedly calls when I mention my rights were violated. They did not respect citizenship by following laws that govern banking practices. Rules : affective XXXX XXXX - XXXX XXXX c ) ( XXXX ) : 45 day change in terms ( they violated this rule, no letter or warning was given to me ) The rule is to provide advance notice and proficient time to respond to a change - in term notice.. ( I could of opt out and closed the card and got a lower interest rate at the time where my fico was XXXX XXXX. This card act allows the consumer to reject the change, subject to certain exceptions- 1 notify the customer the right to reject the change before the effective date 2. Provide instructions for rejecting the change and if applicable 3. Provide the consumer reject the change, his ability to use the account for further advances will be terminated or suspend. | ||||||
| 04/14/2016 | Yes |
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| I have been trying to work with US Bank to get a loan modification for my student loan but have not had any luck. After I was unable to get an initial response from anyone at US Bank about modifying my loan because I could n't afford the payments, I posted about it on US Bank 's XXXX page a few months ago - so, apparently public shaming is the only way to get a response. I was contacted by someone who offered to put me in touch with the right people. Three weeks went by with no contact, so I complained again on US Bank 's XXXX page. I was finally contacted that day by someone else who offered to try to put me in touch with the " higher ups '' who could help out. The manager who called me that afternoon - while I was at work - called me ten times in five minutes without leaving a message. I was understandably upset when I was finally able to answer, and I asked him to call back at a more convenient time, which he did not. It took me another week of calling to finally get him on the line, at which time I explained my situation and he offered to send me an application for loan modification. I completed said application and returned it with the requested information ( tax returns and pay stubs ), and received a call this morning from XXXX ( XXXX ) who said she was calling to let me know that she was n't able to approve my application but would n't give me any specific information because a letter was in the mail. I explained to her - as I 'd done with everyone else I 'd spoken to - that as a business model, I felt that it did n't make sense for US Bank to get NO money, when they could get SOME money from me. By not allowing the modification, my option is to not make ANY payments, because I ca n't afford what US Bank is asking. I 'm not trying to get out of paying the loan - I 'm just asking to make the payments affordable so I can continue to make them. I told XXXX that if she could n't help me, I needed to speak to someone who could. She said her manager was unavailable but offered to have him call me back. I said I would rather have his name and direct line so I could call him when I was n't at work and would be able to talk. She said I should call XXXX and ask to speak with a manager. I told her several times that had n't worked in the past. She tried to tell me that her manager does n't have a direct number and that there was no way for me to call him on my own. I told her I did n't believe that she had a direct number and her manager did n't. She again told me to call the XXXX number. Only after a few minutes of asking was I able to get her manager 's name - XXXX XXXX. I 'll keep trying to get in touch with someone who can help me, but honestly, the only way I 've gotten any helpful response from US Bank is to post something publicly saying what an awful company this is. I do n't understand why nobody is willing to work with me so I can make continuous, timely payments, and why the only way to get a response is public shaming. | ||||||
| 03/29/2021 | Yes |
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| In XXXX of XXXX, I filed a dispute for a charge that I did not authorize XXXX {$350.00} XXXX. Shortly after, I received the provisional credit. I proceeded to close that account and open a new one at the same institution and transfer the provisional credit over to the new account. Maybe a few weeks later, the merchant sent a refund to the debit card, but the card and the associated checking account were closed. After speaking to the bank, the funds were evidently rejected from the card and were applied to the closed bank account. US Bank then denied the fraud claim and tried to deduct the provisional credit from the closed bank account. This may be a timing issue, but the merchant refund may not have been applied to the closed account until after the bank tried to debit the {$350.00}. The account was then charged off with a {$30.00} charge off fee sometime in XXXX. I received notification from the bank ( I no longer have ) that the merchant sent a refund and they would debit the provisional credit. I figured the account would zero out, but that did not happen. I was told someone with the proper authority ( I presume they meant a case processor ) will need to reconcile the account to zero it out and remove the charge off. On XX/XX/XXXX, I received a call from a XXXX XXXX representing US Bank about this charge off. I then made my first of four calls to US Bank the same day to get this resolved. - XX/XX/XXXX was a 47 minute call, spoke to 4 ( maybe 5 XXXX, with one putting me on hold in the middle of me talking, different people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 second call, spoke to no one. Hold times were in excess of 30 mins so I hung up and decided to try again next day - No Resolution - XX/XX/XXXX was a 1 hour and 7 minute call, spoke to maybe 3 people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 12 minute call, spoke to 2 people. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 minute call, spoke to 3 people through the request of escalation. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I refused a call-back and was told there were no other avenues to resolve this issue. I was told a request would be made to the XXXX XXXX and I should receive a letter in 7-10 business days if a solution could be found - No Resolution One major customer service issue I felt was everyone, but one person was apathetic to this. I did not get the feeling this was all that important, given the amount of times I was pushed off to someone else. | ||||||
| 08/09/2016 | Yes |
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| I fell behind on my mortgage after being robbed, and went to a government program for assistance. The program is willing to pay to get my mortgage current but requires a XXXX form to be completed ( a request for US Bank 's tax identification number ). As of date US Bank has not supplied the required document, rather continues to make threats via phone and letters that they are starting the foreclosure on my property/loan. I have been to the nearest branch office as I was advised to do by lender 's customer service hotline, and even the branch manager was unable to get assistance. After much frustration and many transfers the branch manager spoke with someone who told him to fax the document to " XXXX '' who would fill the form out and return it back to the branch manager. The branch manager said he would contact me as soon as the document comes. As of date, the document has never been completed by US Bank and the phone customer service representatives state they can not allow me to make any payments on my account because the company is requiring a full lump sum payment. I have spoke to approximately XXXX different customer service representatives that have given 3 totally different accounts as to why " XXXX '' is the only US rep that can complete the document, why the document has not been forwarded as suggested prior, and there have been at least 2 different " requests for the document '' that has been sent to " XXXX '' since the initial contact about the document, which was XXXX XXXX. Today as the US Bank rep put in another request for the document she stated that it would take a couple of days for the company to complete the document and send the fax back to the branch manager, but I was told in the last call ( I believe on XXXX ) that the document was already completed and " XXXX '' was just waiting for a fax number to send it to. There has been no attempt made by " XXXX '' to either contact me nor the branch manager that faxed the document and was handling the fax and/or document request from the beginning. The branch manager had given the US Bank rep the fax information with the document request on XXXX/XXXX/16, and made it clear in the call he made to customer service that the document was to be returned back to the branch where he would then notify me to pick the completed form up so that the total funds could be released. I am simply requesting that US Bank complete the XXXX ( request for tax identification number ) so that my mortgage payments that are behind can be made to avoid foreclosure. I am also asking that US Bank stop any foreclosure efforts they are attempting due to their lack of providing the required form to release funds. I have notified US Bank on a number of occasions of what is needed to release funds, I have also notified them that I would be contacting the CFPB if they do not comply and still they have not completed the required process for me to get the assistance in making my mortgage payments current. | ||||||
| 03/11/2016 | Yes |
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| Due to the unfortunate fact that XXXX XXXX of US Bank completely ignored the evidence I submitted and answering my question for Case number : XXXX, I am resubmitting this document a second time, as a new complaint in regards to my problem with US Bank. And, like XXXX XXXX has asked to me, I ask him to read this and the document very carefully. I opened up a checking account in XXXX and then two CD accounts in XXXX, both at the Yellow XXXX office of US Bank. At both times they were under the aegis of XXXX XXXX, although a second manager handled one of not both of the CDs, under her supervision. It is my contention that I opened the CDs with all mailing to go to my Vermont address. It is US Bank 's contention that I never did any such thing. They have provided me signature cards as the only evidence of this. I have asked US Bank for more evidence than these " signature cards '', namely the full data set for me, due to the fact that during the account opening, I was asked numerous questions all of which the bank manager typed into the computer. During a phone conversation with XXXX XXXX, he offered to research this and discuss " whether ( he ) could do so '' with their lawyers, and said that it could take up to six weeks. I told him to take the time he needed. However, within two days of that, I received in the mail copies of the signature cards, and nothing more. When I contacted XXXX XXXX about his offer to research more deeply, he said he had never done any such thing. It is US Bank 's contention that I never contacted them or informed them about a Vermont mailing address until some time in XXXX. Assuming that I did this, the address was not fully corrected even as late as XXXX XXXX, even despite XXXX XXXX own intervention in XXXX of XXXX. As late as XXXX XXXX, I received no maturity notice for a CD coming due on XXXX XXXX. I wo n't repeat the many times I had not received XXXX and had to call in for them. For these errors I only have received apologies from XXXX XXXX, but no explanation. The evidence that puts into question XXXX XXXX repeated assertion must unfortunately be submitted here again : a bank statement from US Bank, dated XXXX XXXX. It is for the checking account that XXXX XXXX, in his XXXX XXXX response to my complaint [ Case number : XXXX ], says ONLY was signed for either a XXXX XXXX address or the XXXX XXXX address. And if, as he also contends, I never called US Bank until XXXX to inform them of my Vermont XXXX, how does he explain this statement of XXXX with my Vermont address? XXXX XXXX, in his XXXX XXXX response, states once again that US Bank had no notice of an address change until my call of XXXX. If that is the case, then he must at least respond to this bank statement of XXXX XXXX and state how it is possible that US Bank had my address then? ( And possibly earlier. I only have access to XXXX XXXX online. ) His previous unwillingness to answer this important question does not resolve the matter. | ||||||
| 04/01/2016 | Yes |
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| During the annual escrow analysis for my mortgage, it was determined that I would be refunded {$3100.00}. I noticed this by viewing my escrow activity online at US Bank. I waited for the refund to arrive for more than 30 days. When the refund never arrived, I contacted US Bank to inform them. I spoke to the kind and respectful customer service supervisor, XXXX ( Unit Identifier : XXXX ) and she informed me that there would be a {$15.00} reissue fee, should I decide to have them reissue the refund. I questioned the validity of such a fee as I had not at any point accepted the refund and additionally, I have no way of knowing the payment was actually sent to me. Meaning, how do I know that the refund was ever actually issued? What would stop US Bank from declaring that they had sent the payment, when in fact they had not? The only proof of such an issuance was US Bank 's records. Which means that the only way for me to know that they had actually issued the payment was ... you guessed it, US Bank. In other words, " you know we issued it because we told you so. '' There is absolutely no other recourse. So, I was presented two options : Option 1. Pay the {$15.00} extortion, ahem " fee '' or Option 2. wait six months until the check expired. Now, {$3000.00} is no small amount. In fact, if I were more desperate, I would have paid the fee without a second thought. I can only imagine the countless working poor or elderly folks who would have to bite their tongues and pay the fee because the need for the money is so great. Put another way, if I were to send the bank a mortgage payment by mail and it never arrived, could I then charge the bank for reissuing another check to them? If I can, this is great news as this amounts to a {$15.00} dollar discount on every payment henceforth ( well at least, if I were a dishonest sort ). I suspect this is not the case and that in fact, I would be slammed with additional fines for delinquent payment. I am quite furious at the nefarious implications here. How do I know that financial institutions do not simply pretend to issue refunds, then when XXXX Consumer calls they inform him he can receive the payment if only he pays a " small '' ( an operative term depending on one 's financial status ) re-issuance " fee. '' This seems to amount to an exercise in extortion. " That 's a really nice check there, it be a shame if you 'd have to wait six months for a re issuance. '' " If you pay me {$15.00} I can make sure we send it out soon. '' XXXX XXXX would be envious of such a racket. What I am asking for here is : 1. A determination of whether such a fee is legal. 2. A definitive determination that the refund was in fact sent ( something other than " because we told you we did '' as I am not sure how such proof holds up in the eyes of the law ). 3. I wish to receive my refund ( money already overpaid for a year ) without paying a fine for receiving it. Thank you for your consideration in this matter. | ||||||
| 03/04/2020 | Yes |
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| I leased a new XXXX XXXX XXXX XXXX through U.S. Bank. The lease started in XX/XX/XXXX and the monthly payment was {$480.00}. I was current through my entire lease of 36 months and the last payment ( # 36 ) was made on XX/XX/XXXX. My bank account was on auto pay so I was current throughout my entire lease and did not miss a single payment. My bank account was charged on XX/XX/XXXX for another monthly payment of {$480.00}. I called the US Bank postmaturity leasing department on XX/XX/XXXX, spoke to XXXX, and explained to her I had an extra payment withdrawn from my bank account and needed a refund in the form of check or a refund to my bank account. she explained that if I did not turn off or cancel my auto pay that sometimes US Bank incorrectly will withdraw another payment. I was told a check would be sent out to my house. On XX/XX/XXXX I received a letter from US Bank stating that all known charges associated to my lease have been satisfied. I called the end of term department and asked for a account statement to be sent to my home with detailed information of all my payments. I received a detailed account history on XX/XX/XXXX from US Bank but it DID NOT include the closing transactions which would show my overpayment of {$480.00}. I called on XX/XX/XXXX when nothing had come. I spoke to XXXX and was told that my check was cancelled In XXXX before it was sent out to my home but was not given a reason for why it was canceled. At this time I asked to speak to his manager or supervisor about my refund check cancellation and he said his supervisor, XXXX, would be in contact with me shortly. I did not receive a call so I called back on XX/XX/XXXX and asked for XXXX to call me. I was told she was in meetings and was unavailable and to wait for her call. She called and left me a voicemail while I was working two weeks later on XX/XX/XXXX. Her voicemail said to call her department back if I still needed assistance. So, I called back on XX/XX/XXXX and spoke to XXXX who apologized and said that research was being done on my account and should wait a few weeks until that was completed. I called back on XX/XX/XXXX, spoke to XXXX and was told that my account was still being researched. I asked her to send me a detailed account statement INCLUDING the closing transactions at this time. I received the same statement that I originally was sent WITHOUT the closing transactions. I called again on XX/XX/XXXX and spoke to XXXX who thanked me for being patient and stated that the research should be finalized within the next day or two and stated that she would bring this to her supervisors attention immediately. She said to call back in the next day or two if I had not heard back US Bank. I am concerned that US Bank is using these delay tactics on many of its customers to avoid distributing refunds owed. I am furious with this whole situation and how poorly US Bank has handled my refund and the customer service of US Bank end of term department. | ||||||
| 06/25/2022 | Yes |
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| US Bank Checking Account # XXXX US Bank Debit XXXX # XXXX Date of Birth : XX/XX/1990 Last 4 Digits of XXXX : XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, USA Email Address on File : XXXX Phone Number on File : XXXX -- - To whom it may concern, I was traveling internationally for the period of XX/XX/XXXX through XX/XX/XXXX. On the XXXX, I logged into my US Bank online app in order to mobile deposit a check. I noticed the app gave me the error that " mobile deposit is not available for this account at this time, '' and I was promoted to call customer service. On XX/XX/XXXX, I called customer service at US Bank, was notified a restriction has been placed on my account, and was transferred to the fraud department. After talking to an agent from the Fraud Liaison center, I was informed a branch manager somewhere in Illinois named XXXX XXXX has placed a restriction on my account as of XX/XX/XXXX. No reason was given ( or noted on the account ) as to why a restriction was placed. Interesting thing is my address is in California, so I have no idea what a branch manager somewhere in rural Illinois has to do with my account... The agent from the Fraud Liaison center speculated that it may be due to the small deposits made into my account from XXXX XXXX XXXX. I explained to the agent on the phone that these are cash back I have earned through purchases made via XXXX XXXX that are being deposited into my US Bank account. The agent was convinced. The agent was unable to contact XXXX XXXX, as she seemed to have been out of the office for quite a while... Interestingly, on that same day ( XX/XX/XXXX ) that my account at US Bank was restricted, my brokerage account # XXXX at XXXX XXXX was also restricted. Even though this is still not confirmed, as XXXX XXXX is not giving me much information regarding the issue, I highly doubt this is a coincidence, as there were ACH Transfers ( large amounts ) that occurred between my US Bank and XXXX XXXX accounts in the past 2/3 months, and I am concerned the restriction at XXXX XXXX was placed at the instruction of whoever placed the restriction on my US Bank account... I, hereby, request US Bank to provide me with a CLEAR lawful reason as to why a restriction has been placed on my account, and the money in my account is being held hostage with no explanation or clear instructions on how to rectify the matter. As far as I know, I am not under investigation by any federal or state agency, and there are no judgements/court orders against me that would obligate the bank to make my life miserable. Secondly, if the agent at US Bank has also caused issues for my account at XXXX XXXX, I, hereby, request that contacts be made requesting my funds at XXXX XXXX to be released, and all the previous instructions to be reversed... Please contact me, promptly, if you need more information, or you need to discuss further steps to release my money, and my accounts. Sincerely, -XXXX XXXX | ||||||
| 08/04/2023 | Yes |
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| We were approached by a banker who assisted us in opening a US Gold business banking account with a business triple cash account. At the time, there were two business owners involved, but the specific details on how to qualify for the account opening bonus were never disclosed to us. After waiting for over two months, I took the initiative to inquire about the status, leading to the eventual crediting of the checking account bonus. Had I never taken the initiative, we would have never gotten that bonus. However, to our dismay, the credit card bonus was not provided. Under this account, there are two credit cards linked to it, as there are two owners. We diligently met the required {$4000.00} spending minimum on the account. When I reached out to the designated support number for the credit card, I was assured that we had fulfilled the necessary criteria, and the bonus would be issued to us by early XXXX. Unfortunately, the situation took a turn for the worse. After the promised date had passed and we still hadn't received the bonus, I contacted customer service once again. To our surprise, the next representative informed us that we had not met the requirement because one of the cards was an employee card something that was never communicated to us. Furthermore, they stated that in order to reach the spending limit, I must spend additional money on the primary card holder 's card. Had we been aware that the bonus only applied to one of the cards, we would have concentrated all our spending on that specific card. Following this conversation, the representative assured me that the matter would be escalated, and they would get back to us within 10 business days. Regrettably, after the specified period, no response was received. Today, upon contacting them again, the representative disclosed that the previous escalation was never acted upon and indicated that they would seek input from a supervisor. They then cited that it was outlined in their terms of service that all the money must be spent on one card to qualify for the bonus. This experience has been deeply disappointing and feels like a scam. It appears that the process was deliberately prolonged, potentially to surpass the deadline for meeting the requirements. The banker who assisted us did not provide adequate information about the cards, leading to our wasted time and financial loss. The entire process was plagued by misinformation and incompetence. To others seeking to open accounts with US Bank, I strongly advise exercising caution and self-researching. It is essential to thoroughly question and verify all terms and conditions before proceeding. Trusting vital information with an incompetent banker and engaging with a business that employs dubious practices is ill-advised. Consider documenting all interactions and agreements when conducting business with such entities. Alternatively, we recommend considering other reputable options for conducting business. | ||||||
| 11/16/2019 | Yes |
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Web | Servicemember |
| On or about XXXX, an unknown person contact Elan Financial via their website and requested an address change. When notified of the change, I contacted Elan Financial and confirmed the address request was fraud and requested my original address be re-instated. They said that the did. I continued to receive statements at my correct address. Elan Financial reported the fraudulent address to XXXX. I contact XXXX and request to dispute the address. XXXX told me that Elan had to notify them that they sent the fraudulent address and that it was fraudulent. Elan informed me that I must make this request in writing, which I did. Roughly 1 month later, I received a form letter stating that Elan did not send the fraudulent address to XXXX and encouraged me to send information backing up my claim. Note : there is no doubt that Elan sent the address. They are the only company that has ever had the fraudulent address listed for me. The XXXX credit report identifies them as the company that sent it. I sent by mail my request to Elan to inform XXXX that the fraudulent address was fraudulent and request its removal. I included the relevant portions of the XXXX credit report indicating that Elan provided the fraudulent address. Roughly 30 days later I got the exact same letter a previously, saying Elan did not send the fraudulent address to XXXX. Note that this is again a form letter that does not engage in a discussion about how the came to such a ridiculous conclusion nor did it explain why they were ignoring the evidence I provided. I then contact Elan Financial by phone. I eventually got to a person who said they would help and that I should expect written confirmation within a month. No such written confirmation came and the fraudulent address remained on my credit report. Some time later, I contacted them again in an attempt to get this resolved. This time they only said there was nothing they could do, were condescending, and eventually starting lying to get me off the phone. During this process, I also contact XXXX who eventually explained why they could not remove the fraudulent address. It is because Elan is still reporting the fraudulent address to them. At this point, I started leaning on my contacts at Fidelity Investments who co-brands the credit card. They were able to eventually reach people at Elan who professed to be able to help. I was instructed to send the same request in writing to Elan as previously. I did so and got the same form letter back. A day later, I got another letter from the office of the president that said they were no longer reporting the fraudulent address to XXXX. Another call the XXXX confirmed that Elan was still reporting the fraudulent address. A few more useless calls and we are up to today. My XXXX credit report still has the fraudulent address, Elan still denies any responsibility and despite being my credit card company refuses to address the situation in a meaningful way. | ||||||
| 06/12/2017 | Yes |
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| On Saturday XXXX XXXX XXXX a purchase of {$56.00} was authorized for hotel services using a prepaid government benefit card white labeled by US Bank. The card account was pre-authorized for an amount above ( 20 % of the transa ction ) the transaction amount, or approximately {$65.00}. I called the customer service line on the back of the card and spoke with the floor supervisor on or about, Sunda y XXXX XXXX XXXX at XXXX XXXX . When speaking to the supervisor she gave conflicting statements. She stated that an authorization hold was placed on funds in the amount of 20 % of the transaction amount, in addition to the transaction amount, as 1 ) a hold to cover incidentals placed by the merchant ; and as 2 ) a hold placed by the prepaid card issuer as a term and condition of use of the card. When asked to return the funds to the card account, the floor supervisor refused. The transaction constitutes both theft by conversion and fraud on the part of either the card issuer or the merchant. First, the transaction amount of {$56.00} is the only amount represented or authorized at the time of transaction. Any amount debited to the card account that does not accurately reflect that amount squarely positions the transaction amount of {$56.00} as fraudulent because the amount of the transaction is therefore a misrepresentation of material fact. The merchant secured funds or exercised unauthorized control over funds that it never represented to the purchaser or bargained for authorit y to do so. Fraud and theft by c onversion. In the alternative, in the event that the card issuer placed the 20 % hold on the card account funds and the card issuer did so as a matter of the terms and conditions of the card, then the card issuer has converted funds under unenforceability provisions of the cardholder terms and conditions. First, the cardholder has no bargaining position to speak of when using the government issued benefit card. Therefore, the card issuer bargains from a position of gross superiority. As a consequence, the cardholder, according to the terms and conditions of the cardholder agreement, implicitly bargained for a 20 % hold on certain transactions for a term of up to 20 days. Such an argument is absurd. Cardholders of government benefit debit cards are not financially secure individuals. They do not hold a position of power and are best categorized as a suspect class for the precise reason that, generally speaking, they are in a position of powerlessness. Needless to say, it is of no benefit to these cardholders to bargain for the " holding of funds '' under any circumstances. In fact, these holds serve to benefit the card issuer 's profits, and they do so at the cardholders expense. Therefore, the card issuer exercised unauthorized control over funds at the cardholders expense under the pretense of unenforceable provisions of the cardholder terms and conditions. They by conversion. | ||||||
| 11/03/2023 | Yes |
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| On XXXX the XXXX I received a call from the actual US Bank number XXXX. The person stated to be a representative of US from the fraud department. He stated their were two transactions of {$700.00} made in Florida and wanted to make sure it was actually made by me. I said no. He then stated he was going to cancel those and close my cards down. I received a text, he said to ignore the text that it was him just closing my cards. Then I got another message, he also told me to ignore that text since it was him trying to freeze that transaction from going thru. Then there was another message from the US bank again, he again stated that was him trying to reset my account. I didn't have time to check the messages as I was on my way to pick up my son from school. After that, he then told me, that he was in fact from US bank that I could check the number he was calling from to verify who he was. He then states its taking him long than expected because he systems was having problems. After that, he states their was something else being processed on my account. It looked like a wire transfer of {$7700.00} to XXXX XXXX. He asked me if I did that, I told him NO. He states he was going to stop that. He gave me a new online code to get back to my account since he had to close me out of all my accounts. But that everything should be fine. Well when I to put that new code on the online banking, it didn't work. I notice that I was able to get on the online banking via face recognition. I then call the actual US bank which the representative stated they have never called me. But she said there was no card transactions of {$700.00} on the account or anything abnormal. I then asked about the wire transfer of {$7700.00}, she said it was not showing up either. Few minutes later into the call, she sees the now " pending '' wire transfer. I told her that was not made by me to please stop that from going thru. She states she will freeze my account so it won't go thru. She told me to go to the bank to close those accounts and open new one, also to move all the money over. Before I went to the bank, I asked her if that money will be taken out, she said no because she was able to freeze the accounts as soon as it happened. I go to the bank and did what she advise me. I was locked out from my accounts until Tuesday, it was then that I realized that the wire transfer did go thru. I've been on the phone with these people, ever since. Today XXXX, a representative told me they had close the case because they were unable to get my money back and there was no sign of fraud. That I made that transfer which I didn't. I don't know that else to do. I never gave this man any information regarding my login or passwords. Didn't even give them the account number since I didn't know them myself. I have made the police report, nobody has asked for it. I'm in complete disbelief my bank won't hear any of the conversations that took place and will not refund my money. | ||||||
| 10/07/2020 | Yes |
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| XX/XX/XXXX, my current card, which PA Unemployment payments are deposited at US Bank Reliacard, was declined for ATM withdraws and transfers to my personal checking account at XXXX XXXX. I called XX/XX/XXXX to find out what was wrong. They informed me as of XX/XX/XXXX, without notice, PA apparently changed withdraw and transfer amounts to far less then they where allowing XX/XX/XXXX which is the date I made transfers to my XXXX account because I was back funded a substantial amount for unemployment benefits from XXXX XXXX XX/XX/XXXX. They requested I fax them a copy of my driver 's license front and back and that it could take up to 10 business days to reinstate my account. I faxed the document XX/XX/XXXX. Waiting patiently for 10 business days, I called XX/XX/XXXX wondering why my account wasn't yet reinstated. They told me they never received the fax! I have confirmation the phone number they gave me received it. They said to use their website to upload the driver 's license and it could take up to 10 more business days to process. I did the uploading and did NOT wait 10 days to call them. I called XX/XX/XXXX, XXXX, and then XXXX. XX/XX/XXXX, they said they did not receive the upload and asked me to do a verify upload from my phone of my driver 's license and a selfie. I did that while they were still on the phone with me. It would take another 10 business days. I called again XX/XX/XXXX - their systems were down for routine maintenance! Who does that on a weekday? I called XX/XX/XXXX. They escalated it a 4th time which is an email to the department who processes the reinstatements. I called XX/XX/XXXX. I was told the department who processes the reinstatements posted a note to my account on XX/XX/XXXX a XXXX that I needed to be patient while they worked through the backlog of the faxes and re- fax my driver 's license and ssn card again! I did that. It costa money to get these faxes done. I have been patiently waiting over 30 days and counting for this to be fixed! No other source of income but the unemployment benefits. I have rent and other bills to pay. I am going into the hospital for a medical procedure and want this fixed before I do it. I have to pay late fees and additional interest. Not fair. Are they hurting because i can't get to money I am entitled to have and use? They should be! This is totally unfair. I seem to have to recourse, no place to go for relief. I can't work because of underlying medical conditions. Coronavirus closed my contract in XXXX, they did not restart and I have limited ability to find new contracts because of coronavirus. There is nothing locally. I have applied everywhere for everything. I am over qualified. I have a file to share showing my documentation of the situation. I provided the card number as requested however everytime I enter it on US Bank Reliacard called system it says it it inactive and the customer representatives have to look it up on my ssn. Please help! | ||||||
| 02/19/2018 | Yes |
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| I have been a banking customer with US Bank for 2 years. On Tuesday last week I let them know I was traveling to XXXX and they put a travel alert on my record. On Friday before I left for the airport I put a small amount of money on my XXXX prepaid mobile phone using my US bank debit card. I immediately received an email and a phone call and my card was blocked and the charge declined. I spoke with the fraud department who was very rude and assured me that there was no travel warning noted calling me a liar. The people refuse to identify themselves or their location and they refused to connect with a supervisor. I had to call over 30 times before I was finally assured by several senior managers in the fraud department in XXXX XXXX Idaho that my card was corrected and I was assured I could travel on to XXXX. I flew to XXXX and arrived and my card was declined and I had no access to cash and was unable to check into my hotel or rent my car. I called US bank and they said a woman named XXXX at a branch in XXXX California that I have never visited has decided that she is closing my account and that she is aware that I am traveling in XXXX and she doesn't care. I called the branch and spoke with XXXX who laughed at me and taunted me and was a condescending belligerent person laughing at my misfortune and hanging up on me. I spoke with customer relations in XXXX and the agents there including XXXX agreed that the fraud department and the branch in XXXX are very belligerent and unhelpful. Many people at US Bank tried to help me but in particular XXXX and XXXX at the XXXX XXXX in XXXX California are unbelievably terrible and terrorizing to customers. They are breaking laws. Also a very belligerent woman named XXXX in XXXX XXXX Idaho is a complete monster and a torments the customers. She must be fired over this. This is a horrible bank and I can not do business with them so I immediately flew back to United States to close my account. I arrived in the United States and I was told by US Bank on XXXX XXXX in XXXX XXXX that they can not give me money to my account because it has been frozen by XXXX and I can't do anything because she has taken vacation and she won't be back for a while and only XXXX can unlock my account. US bank has ruined my XXXX holiday and caused thousands of dollars in damage already. Now that I have flown back to United States US Bank is still holding my funds and refusing to close my account and give me my money. This is a rogue bank with monstrous customer service failures who literally gets off on terrorizing customers and they laugh at you in your face at your own inconvenience and suffering. These customer service agents particularly XXXX, XXXX, and XXXX, taunt and harass the customers and cause serious psychological damage. I want you to enforce government regulations against US bank and get my money back to me right away as well as sanction them for their terrible anti consumer behavior. XXXX XXXX | ||||||
| 10/15/2023 | Yes |
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| I created an account at USBank for my business. I chose this business because it had a {$600.00} bonus for opening an account. I got everything set up online and it was good to go, the only thing left was making a {$200.00} deposit to open the account. I made the deposit of {$200.00} on XX/XX/23, and make the necessary deposits of {$5000.00} within 30 days, which was held for 60 days. At the beginning, I got a call from XXXX XXXX at XXXX XXXX, saying the promo code I used wasn't correct, but he would fix it and I would be good to go. The new code that he was going to apply was only going to give me {$500.00} instead of {$600.00}. I was annoyed, but didn't fight it because I simply had too much going on to fight it. After the 60 days, I still didn't get the bonus. I called the XXXX number, she looked and verified that I did meet the requirements and said to give it another couple of weeks to let it post. It didn't. I called again. They said they would submit it to their research team and get back to me within 5 or 6 days. Never received a call. I called again and talked to XXXX, she transferred me over to XXXX. He said he would look into it. That day, I saw an ad for an {$800.00} bonus for a {$25000.00} deposit. I have more than enough funds, so when he contacted me I said I would just do that bonus since they were causing such a hassle that I really shouldn't have had to go through. This would have been a good time for him to tell me that I wouldn't qualify for it if I already had a USBank account. He didn't. Instead, I found out that day that day myself in reading the fine print. After telling him I was aware that I wouldn't qualify, he informed me that neither the code I used nor the code he applied for me was valid. He instructed me to call the XXXX number again. I called the XXXX number again. She said she would contact the promo team and call me back in about an hour. She never called. I have remained cordial despite the run around. Had I just been told it wasn't valid from the beginning, when I should have been told, I would have just gone with a different bank that was offering a bonus. I was told it would be taken care of and a different code would be applied, which I would assume XXXX would be responsible for fulfilling rather than passing it off to an XXXX number that never actually calls back. The way USBank has been represented is beyond frustrating, and honestly completely shade. I've been a business owner, it's important to be honest and straightforward with your clients, fulfill your promises, and don't keep pushing them off in hopes that they will give up. I don't know if this is a normal practice, and a bank in trouble is just trying to get cash deposited without ever actually intending to give the bonus? Or they just make their clients spend hours trying to get the money they are owed, when most would probably give up. Incredibly disappointed, this is too big of a bank to be doing this. | ||||||
| 12/19/2019 | Yes |
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Web | Older American |
| I'm an accountholder with Elan Financial Services through Desert School Credit Union in Arizona. I was scammed out of {$1000.00} by a fraudster for services I did not receive in the amount of {$1000.00}. I immediately contacted Elan on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute the charge on my account and spoke with the following people at Elan : XXXX ( ID XXXX ) ; XXXX ( XXXX ) XXXX ( XXXX, XXXX, XXXX and XXXX. One told me I would receive an immediate provisional credit within 2 hours so I can hire a licensed and insured contractor immediately to help with plumbing emergency and to call back in a few hours if I did not see the money back in my account which I did not receive as promised, another told me my case processor was assigned by the name of XXXX who is the only one who can process the credit and will call me today which she did not ; another told me I did not have an assigned case processor assigned, did not know who XXXX was, another told me XXXX was placating me about the provisional credit in 2 hours to get me off the phone and tell me what she thought I wanted to hear, another told me there was no one in the fraud dept. above her to resolve my concerns, that she was the supervisor with no one above her she reported to so she could not provide a name, and my only option was to submit a complaint in writing to Office of the President, XXXX. XXXX XXXX, XXXX, ND XXXX, that there was no phone # or fax # for the office of the President to get faster relief given my emergency. I was talked over, yelled out, disrespected and told I was misinformed and it is what it is by all of these employees at Elan. These calls are recorded, I have lots of notes. I never received the funds back today as promised and the new licensed contractor arrived at my home to fix the problem with the expectation I would have the monies back in my account provisionally credited while the investigation was opened and I provided supporting documentation. I was chastized by XXXX, the last person I spoke to who told I am no one special who deserved an exception, I was misformed by all the other people, and must succumb to their process despite being misinformed and will ensure all those people are properly trained. I said how dare you speak to me that way. I am a customer, not a utility company. She said I will need to wait up to 10 business days for a provisional credit, no guarantee or I can file a police report and file criminal charges.I have lots of documentation to press criminal charges and no one at Elan was willing to sympathize or help me. A lot of misrepresentations were made to me by numerous people yesterday and today at Elan Financial Services, and I'm a senior with health issues and deeply stressed over how I was not helped and treated by Elan. I'm not sure where else to turn to get this resolved. Is this company not regulated? How can they treat their customers like this with no accountability. Can you help me please? | ||||||
| 10/11/2017 | Yes |
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Web | Servicemember |
| This is a follow up to the complaint I submitted on XX/XX/XXXX, reference US Bank and the response I received from US Bank, dated XX/XX/XXXX. Although this response is submitted after the timeframe of rebuttal, I am submitting so that Consumer Financial Protection Bureau will be allowed to publish the additional experience for other Consumers to be aware of. As stated, I did receive the response from US Bank, however, the response was not adequate to my complaint. My complaint specifically advised of the issue, but most specifically advised that US Bank held my Pension Funds, verifiable funds that has been deposited in my account for 5+ years, while they off-setted my accounts. US Bank advised that they had to verify any deposit of funds when off-setting accounts, and therefore held my Pension -- Again, these were verifiable funds, and I was advised in my original complaint by the Federal PPDept in XXXX DC, the Bank 's action was and is illegal. Furthermore, due to US Bank 's action, they created a Hardship. I was not allowed to pay on time, my mortgage, utilities, bills, ect, and from their action, I received numerous late fees. Therefore, when I received US Bank 's response, dated XX/XX/XXXX, and read the content, I was appalled at the jargon. The person responded clearly did not read my initial complaint, nor the content of my concern. The response included verbiage of Bank Deposit Account Agreement, and Account Transactions. The person even went so far as to list when my Pension was released to me in the Bank, but they failed to list that the only reason why the Pension was released to me is because I reached out to the Vice President of the Bank and asked for assistance due to the dire nature of my Pension being held. US Bank once again proved their dishonesty in responding to my initial concern- Withholding my Pension. The response also advised to contact my Local Branch, if I have any additional questions. For one, I will not be contacting a Branch, and they are not a Local Branch for me since they closed my accounts. That statement to me is absurd. In addition, since the time lapse of this experience, I have received numerous correspondences from US Bank, one in particular, dated XX/XX/XXXX advising that my account ending in # XXXX was reopened onXX/XX/XXXX, REALLY? and additional account correspondences. I also received a call from the Manager at the XXXX, CA location, whereas she left a message. Why am I receiving any contact from this Bank, letters or calls? ... .It is apparent that US Bank does not execute proper protocols, and in my opinion, this is a form of Harassment. Since US Bank severage the relationship, there should be no further direct contact, and as of the writing of this additional complaint, I am stating, that I do not want any further direct contact from the Bank from any level. Thus, this reaffirms my belief from my experience, that US Bank 's Consumer Relationship Reputation is Atrocious! | ||||||
| 11/08/2023 | Yes |
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Web | Older American |
| It appears your Insurance evidence department is mistaken on the requirements for flood Insurance as they have not changed since XXXX and XXXX. Please see below information regarding this designation. Only equal to the outstanding principal balance of the loan can be required. Additionally it covers the building only not land as for fixtures or furnishings contained, all have more insurance than the actual contents on each policy as they stand. Placing more Insurance value in contents than what is actually in the buildings is over insuring for contents that never could be claimed. As the loan principal balance is {$280000.00} The current building coverage at {$1000.00} it is currently insured for XXXX times the principal balance which exceeds the requirements of the loan. at this point I have not been given any answers. My Commercial loan statement invoice, has a charge on it which states Replacement XXXX XXXX : {$780.00} which you have told me its for Bldg 1-3 which I have already added {$200000.00} which the total coverage is now : {$500000.00} which is the maximum coverage for anyone policy. You have said that addition coverage has been put on for : XXXX XXXX, Additional {$30000.00} Coverage For contents. XXXX XXXX, Additional {$32000.00} Coverage For Building. XXXX XXXX, Additional {$35000.00} Coverage For Building, and {$30000.00} For contents. Who is authorizing This? I want answers now. This is Extortion and Illegal. SENT TO US BANK ON XXXX It appears your insurance evidence department is mistaken on the requirements for flood insurance as they have not changed XXXX and XXXX. Please see below information regarding this designation. Only equal to the outstanding principal balance of the loan can be required, additionally it covers the building only not land as for fixtures or furnishings contained, all have more insurance than the actual contents on each policy as they stand. Placing more insurance value in contents than what is actually in the buildings is over insuring for contents that never could be claimed. As the current loan principal balance is {$280000.00}, The current building coverage at {>= $1,000,000} it is currently insured for XXXX times the principal balance which exceeds the requirements of the loan. at this point I have not been given any answers. My Commercial loan statement invoice, Has a charge on it which states Replacement Resv Due : {$780.00} which you have told me its for BLDG 1-3 Which I Have already added {$200000.00} Which the total coverage is now : {$500000.00} which is the maximum coverage for anyone policy. You have said that addition coverage has been put on for : XXXX XXXX, Additional {$30000.00} Coverage for Contents. XXXX XXXX Additional {$32000.00} Coverage For Building. XXXX XXXX, Additional {$35000.00} Coverage for Building, And {$30000.00} For contents. Who is authorizing this? I want answers now. This is Extortion and Illegal. SENT TO US BANK XXXX | ||||||
| 06/20/2017 | Yes |
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| This complaint is regarding my US Bank Cash Plus Rewards credit card. Since being recommended to switch to paperless statements, reviewing the electronic statements became less used, since I am able to review transactions on the credit card website to verify the transactions to spot any possible fraudulent transactions. However, it appears that my cash rewards that I have been accruing for years is slowly being siphoned from my rewards balance due to them 'expiring '. Apparently, the only place that the rewards expiring is notified is in the paperless statements. I received no other notification, neither from the website Message Center, nor from an email from US Bank, or even a regular mail.To me, this is a somewhat sneaky tactic to slowly reduce my accrued cash rewards from my account. This was happening to me for 2 straig ht months - {$14.00} on X/XX/17 and {$35.00} o n XXXX - for a total of {$50.00}. If I had not 'stumbled ' upon my paperless statement in earl y XX/XX/XXXX , t he rewards being deducted from my account would have continued, leaving me with less and less accrued rewards. I called US Bank credit card customer service o n X/XX/17 ( or X/X/17 ) t o inquire about the rewards expiring, and the customer service representative informed me that he will open a case for US Ba nk rewards depart ment to review my case. I then went ahead and cash out some of the rewards accrued to avoid additional rewards from expiring. I called US Bank credit card customer service again this evenin g, X/XX/17 , inquiring on the status of the review request, and was informed that the case was recently closed, and that my rewards was lost forever - essentially resulting with me losing {$50.00}. I complained to the customer representative supervisor on the phone, and was informed that I 'should have known ' that the terms & conditions state that the credit card rewards expires 3 years after being accrued, and that I should have reviewed my statements ( which is the ONLY place where it notes reward dollars expiring ). My issue / concern with this practice by US Bank are : ( 1 ) No other notification ( message center, email, mail ) of reward dollars expiring. ( 2 ) No way to easily view the credit card terms and conditions on the website. I looked around the US Bank online account system, and could not find the credit card terms and conditions -- - with the terms and conditions not being easily accessible, how can it be fair for the consumer to expect to remember the terms and conditions which was read years ago when opening the account? Bottom line, I think the way US Bank credit card rewards is set to expire, with limited visibility of it happening ( i.e. hidden only in the paperless statements ) is an unfair practice to the credit card consumers. Note : I will not be surprised if other consumers are having their reward dollars expire on them without them realizing. | ||||||
| 10/28/2021 | Yes |
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| XX/XX/XXXX RE : Loan Modification Dear Sir or Madam, This letter is to inquire about a Subordinate Note that was haphazardly included in my XXXX Loan Modification with US Bank. In XXXX, after falling behind on payments I would try to catch them up, but as the cycle continued, I modified my mortgage in XX/XX/XXXX because of hardship. My payments were reduced from approximately {$1400.00} to around {$1000.00} which was more affordable. There was no out of pocket costs for the modification, and my term was extended 30 years. I thought the difference in my payment was added to the loan modification which would be captured in the extended term. In XX/XX/XXXX, I decided to apply to Refinance my mortgage to take advantage of lower rates and reduce my term. However, upon completion of a title search I was informed by US Bank that I had a Subordinate lien. I didnt know what that was or that it existed. US Bank did some digging and sent me a recorded Subordination for {$50000.00} with The US Department of HUD which expires the same time as my loan modification in XXXX. I was dumbfounded by the idea, because while I was facing hardship, I wouldnt and couldnt agree to a 2nd mortgage which would have to be simultaneously paid. If I couldnt afford my initial mortgage, how would I afford two mortgages? I dont understand where the {$50000.00} amount came from or why it was created in a 2nd lien XXXX US Bank has indicated that, they took what was owed and put it into a separate mortgage. This seems incorrect, because my missed payments didnt sum nearly that high, and whatever amount I defaulted on shouldve been added to the modification like whats traditionally done. While US Bank noted that Im currently responsible for payments on both mortgages/liens, Ive never received a billing statement from HUD, and the 2nd lien of {$50000.00} does not show up on my Credit Reports. How am I responsible for something that I dont know exists? US Bank has indicated that several customers were confused about these types of loans in the past which is problematic. US Bank indicated that to complete my refinance I would have to either add the {$50000.00} to the loan amount or subordinate it again. I dont know why a subordinate note was done originally, so I dont want it done again. It appears my loan modification was misleading. If I hadnt applied for the refinance, I wouldve never been made aware of the subordinate lien, never paid on it, and later would lose my home to a lien discrepancy. Why was the subordinate note was added to the loan modification and where did that amount come from? If its truly a mortgage that Im supposed to be responsible for, why doesnt it appear on my credit reports? Is it forgivable if the primary mortgage is paid completely? Can the subordinate note be forgivable? Ive attached the documents associated with the modification and subordinate note. Your attention to this matter is greatly appreciated. Best, | ||||||
| 02/05/2023 | Yes |
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| On XX/XX/XXXX, I opened a Smartly Checking account online with US Bank. I need a new bank as I was closing the account at my old bank. Direct deposit was set up, I went into the closest branch and was assisted in ordering checks and my debit card as well as was given a temporary debit card. The next week my direct deposit went into the account and I assumed everything was business a usual. On XX/XX/XXXX, my debit card stopped working. Each time I tried to use it, it would say declined. I had money in the bank, but no access to it. I contacted US bank and had no luck finding anything out and was told to contact XXXX XXXX for information. After getting no response from XXXX XXXX, I contacted US bank again on XXXX and after being transferred numerous times, I was finally transferred to a kind helpful lady who found out there was a couple of holds on my account and it was set to be closed. I had received no notice or anything about this. The way I found out is when my card quit working. Not a good way to do business. On XX/XX/XXXX, my account was closed and the branch XXXX of the closest branch opened a new account for me. Knowing my direct deposit was coming through the morning of XX/XX/XXXX, she put it a re-route for it to go into the new account and told me that it would be XXXX hours to get it. Then on XX/XX/XXXX, the fraud department XXXX access to my online account with no notice or reason. This would be another XXXX hours before I can see my account. Us Bank is also stating that they have no knowledge of my direct deposit being re-routed either. My company says it has not returned as of yet, so Im out of luck! Knowing my deposit was coming in, US BankXXXX XXXX XXXX XXXX until Friday to close the account, they had to close it Thursday. I called trying to find out if they could tell me when it would drop because I have no access to any money since this new account has been opened and they dont even see my money. At this point, I feel like US Bank has stolen my funds since they have XXXX my access to see anything either. I shouldve been notified in both instances and was not. This has been a complete inconvenience and frustration due to me having been without money, unable to provide for my household or put gas in my vehicle. I called back this evening and spoke to another customer service representative who said he did not see any direct deposit, but we can hope it will show up Monday night to be deposited Tuesday morning. He also said I can contact online services on Monday if my account is still XXXX. If a department is going to disable an account on a Friday, there should be a representative who can speak to you over the weekend to get it resolved. I feel like US Bank has failed me and has no desire to resolve this issue as they keep telling me there is no one I can talk to until Monday and when I asked for a XXXX, I was told they could not take the call but would contact me XXXX did not happen either. | ||||||
| 02/13/2018 | Yes |
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| I had called into my bank o verify that my account was closed and to find out if they mailed me my cashiers check for my remaining balance. I was told many different answers and also several things i need to do to get my funds released to me. Prior to my bank account being closed I had requested to be able to go into a local branch and have my account closed right then and there. I was told I could not because my account was already in the process of being closed. My account was to be closed before XX/XX/2017. And I was advised numerous times by several different customer service reps that once my account is closed they will issue me my cashiers check. So when I contacted US bank inquiring about my funds and if a cashier check has been sent I was told I'd have to go to my local branch to get the funds released to me and that they would be able to send my funds which was placed in a recovery account directly to the branch that day. The department that advised me this was the security department. So then I was upset because first they said I cant go into my branch to get my funds and now they are saying I can. It has been a waste of time back and forth with US bank being told different things. The remaining funds in my account have been cleared since XX/XX/2017. The funds were and have been available. But I am getting the run around about getting my funds released to me. I decided to call US bank again to make sure that I would not be wasting more time taking off of work to go to the branch i wanted a direct answer that what the rep stated in the security department were correct. So I spoke with the main customer service and was told that none of this made sense and they didn't understand how I would be able to withdrawal my funds when my account has been closed. So they transferred me to the security department again and I was old that I have to go to the local branch and it would be up to their discretion to release my funds. And that I still would have to wait for the funds to be sent to my branch. This does't make sense what so ever. I was under the impression that maybe this is all happening out of spite because I did already file a complaint about having to wait for about a month for US bank to close my account. Which because of this I am now in the process of being evicted from my apartment because US bank wouldn't release my funds. I've had it with all the run around excuses with US bank I am a normal person that is employed has a family. I am not rich I work living paycheck to paycheck to support myself and my family. The fact that my funds are still being held in some other account for what ever reason it is, this just is not right. I was told by many different customer service staff that once my account has been closed my funds will be sent to me within 5 to 10 days. All I want is my funds released to me. I do not want to have to take off of work to waste more time for US bank to give me the run around.. | ||||||
| 02/02/2017 | Yes |
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| I made a large ( for me ) deposit at my bank on XXXX. Later that day the bank " adjusted '' my account by subtracting {$150.00} saying that the deposit was off by that amount. I specifically asked the teller that morning if my amount matched her amount because the deposit was over {$4500.00}. She indicated it did. I had XXXX handwritten deposit tickets filled out because I had more checks than would fit on one page. The bank is only able to provide me with a copy of one page ( front and back ) of my deposit tickets because they say they shredded the second page. Their excuse is that since its an individual account they are only required to send " down '' one page of a deposit ticket. I feel that they misplaced a check in the amount of {$150.00} and that 's why the deposit did n't ' add up. There is no way to tell though because I ca n't see the second deposit ticket. I was not told at the time I made the deposit that I needed to separate the deposit into XXXX separate deposits nor was I told that I could n't " run a business '' out of a personal account. I 've only been reprimanded after the fact for doing so. I 've been dealing with this issue and explaining it over and over to US Bank personnel and getting different answers/excuses. The first person I spoke to at the customer service number indicated that he would send me a form to fill out and the money would be deposited back in my account. Never received the form or the money. The second person I talked to at that number told me that the reason the money was " adjusted '' was because the check for that amount was a bad check and it bounced. I informed her that was not the case because I had recently had that happen and it was not handled in the same way. XXXX customer service reps both clueless representing this bank. I was then given the name and number of a district branch manager to contact. I called him and left XXXX messages without ever having a call returned. Then I received an email survey about my " experience '' with customer service. When I explained my frustration in the survey I did finally get a call ( the only positive of this situation - they actually do read the survey input ). Was told by this person that she understood my frustration with the whole situation and that she would look into it and file some sort of paperwork. It might take up to 72 hours to hear back. This conversation occurred on Thursday, XXXX XXXX and it 's now Thursday, XXXX XXXX. The lack of responsiveness and follow through from these people is frustrating. In the meantime I 've been talking with someone at the branch again and after some initial concern there was no follow up. I left XXXX voice mails for this person with no response. I finally called the main bank number and asked to talk to her today and finally reached her. Their response is the same - they do n't have to keep a second deposit ticket. I just want to get my {$150.00} dollars back. Can you please help? | ||||||
| 02/22/2022 | Yes |
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| I previously made a complaint to the CFPB, at that time I told my experience to a representative and she paraphrased my statements. I dont feel like my experience was accurately detailed, which allowed the bank to respond by simply justifying the actions of their employees and denying any fault. On XX/XX/XXXX I applied for a loan to refinance a mortgage. My loan officer was very accommodating, she quickly called me right after I applied for the loan. From them on she quickly responded to calls and emails. Once the loan went to underwriting, she became more difficult to reach. At that time, I also had a loan processor that I was communicating with and providing the requested documents to. On XX/XX/15, I received my first closing disclosure I had several questions, some things were just me misunderstanding the document, and just needing further clarification as to how the payoff amount for the mortgage was calculated. However, I was also paying off a vehicle loan with this refinance. The payoff amount for the vehicle was incorrect. I wasnt sure why it was incorrect so I was asking if there were fees I didnt know of. I asked my loan officer to call me to discuss my questions but she did not call, just emailed me back. In her email she suggested the different amount was perhaps that I wasnt accounting for the interest that would have to be paid. She suggested I call and ask the vehicle loan department. All my loans are through this same bank, when I called the vehicle department, she even suggested the loan officer could have called her so o wouldnt have to. After speaking with the vehicle department, my question still wasnt answered, so I emailed the loan officer and processor again. The amount of the discrepancy could not have possibly been interest, but my loan officer stopped responding to me at this point. I havent heard had any direct contact with her since XX/XX/15 The loan processor responded and stated she wasnt sure why the wrong amount has been entered for the payoff amount but she would send it to the underwriter to be corrected and I would receive a new closing document with the amount corrected. I then received a new closing disclosure with the amount corrected, but my closing costs had went up by {$20.00}. I contacted the loan closing representative to question why this amount had changed. His email response was very short and dismissive. He informed me that the title department had increased their fees so the bank had to match it. I responded back and asked if he was suggesting I should contact the title company myself. He responded that I could and he didnt create the fees and he wished he knew why it changed. So I called the title company, while I was at work. To ask about the increased fee. She looked into it and told me it was a computer glitch and that she would email the closer to have him remove it. He did not attempt to even look into this problem for me, I did it, while I was working. | ||||||
| 06/08/2017 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX , I knew I needed to pay XXXX US Bank credit cards because they are both DUE on the XX/XX/XXXX each month. I logged onto US Bank via the US Bank phone app and paid both my US Bank credit c ards ( XXXX fo r {$190.00} and XXXX for {$240.00} ) on the dates they wer e DUE at XXXX XXXX MDT. I received both on-screen and emails ( via US Bank 's internal messaging system ) confirmation that my payments were received. Nowhere on US Bank 's mobile or desktop site is verbiage stating that if these payments are not made by XXXX XXXX that I will be charged late fees for US Bank taking a day to process. It simply states that any payments after XXXX local time will be processed the next day, but in no way does this state that I will be charged a late fee. The payme nt cutoff time text is on the second screen and in small print on desktop and on the third payment screen and in small print on mobile. Neither payment avenue ( desktop or mobile ) states that a late fee will be applied for paying after XXXX XXXX on the payment DUE date. This is especially troubling to me as I paid XXXX of these accounts directly from my US Bank checking account and it immediately deducted that payment money from my checking account at XXXX XXXX that night and not the next day. If the payment wasnt processed until the XXXX , then shouldnt the money have stayed in my checking account until the payment was processed. Because of this and because the app showed a payment pending, the illusion that the payments were made on the DUE date clearly existed. When I called US Ba nk customer service on XX/XX/XXXX to discuss this I first spoke to XXXX who transferred me to the credit card customer service where I spoke to XXXX . I told XXXX about the ambiguity regarding making payments on US Bank 's site. I explained that on the XXXX I made my payments on the date they were DUE and I ev en had XXXX em ails in my US Ba nk email inbox stating that the payments were made on the XXXX of XX/XX/XXXX XXXX told me that it was my fault because I did n't remember reading this in the fine print regarding payment times and late fees in the credit card agreement I received when signing up a decade ago. Moreover, I have searched US Banks we bsite and can not find this late fee after the cutoff time information. Also, the fine print on the websites during payment states that the cutoff is XXXX " local '' time, but XXXX insists it is XXXX CDT. How am I supposed to be clear o n cutoff times and DUE dates when US Bank does n't even have consistency in it 's own business regarding payment cutoff times? This further adds to my confusion. If the cut-off time is not going to accept payme nt agreements on the payment date as valid, then US Ba nk needs to state that a late fee will be applied to those accounts when the payment is made after their ridiculous cutoff time. | ||||||
| 11/07/2023 | Yes |
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| My wife passed away on XX/XX/XXXX from an accidental fall. After receiving the Death Certificate I went to XXXX Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX. I asked to talk to the Branch Manager and I informed her of my wife 's death. I presented to her the actual death Certificate, the Signed Will ( Not a Copy ) Marriage Licenses, ID etc. She informed me I could not close my wife 's account without a Simple Estate Affidavit. I informed her I was going back to Arizona the following day and could I get XXXX there and she said yes. After towing her car XXXX miles back to Arizona I obtained a Simple Estate affidavid from XXXX XXXX XXXX # XXXX Office : ( XXXX ) XXXX, Ext. XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Arizona XXXX I paid {$150.00} for the Document. I then went to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I had an appointment and prented again the death certificate the will and the affidavit. He said you have everything you need and he put it in the computer and called legal and they informed me I had to take it to Probate in KY. I informed the Branch clerk XXXX that if the amount was under {$30000.00} Probate was not required. He said there is nothing I can do. I informed him I just paid {$150.00} for a document and said because I was given the wrong info I wanted a refund. I went home very disgruntled as this banking institution was giving me the runaround and costing me a lot of my time and money. I called XXXX bank to talk to the legal department myself and was given an Address only. The lady on the phone gave me info on someone that may help me and after 2 weeks this is the email she sent which was more wrong information " Hi XXXX, Thank you for speaking on the phone with me today. I wanted to follow up with you via email with information regarding legal documentation needed to gain access to any account that you are not a co-owner or beneficiary of in our system. If you take the Last Will and Testament to get certified in the probate court system, you will get a document titled Letters Testamentary, Letters of Administration, or Letters of Appointment. This document would essentially certify you as the personal representative over XXXX estate and it would allow us to be able to close her solely owned accounts and issue funds made payable to the estate. Please let me know if you have any additional questions. Sincerely, XXXX XXXX XXXX XXXX Events Senior Specialist I informed her again this DID NOT NEED TO GO TO PROBATE COURT its under {$30000.00}. So I finally got me a Lawyer in Kentucky and they said I just need a " Petition to Dispense '' so This is what I am currently doing BUT it going to cost me {$500.00} plus filing fees and plus the {$150.00} fee I alwready waisted my money on. THI IS ABSURD YOUR COMPANY IS TREATING LIKE THIS DURING THIS SAD TIME. AS SOON AS THI IS OVER I AM PULLING ALL MY FUNDS OUT OF US BANK WHICXH I HAVE BEEN WITH MANY MANY YEARS | ||||||
| 11/14/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX at XXXX I was contacted and told they were verifying my address so I could be sent a file about a lawsuit that was about to be filed against me. I was informed that the name of the company was XXXX XXXX. I contacted XXXX and was told that they are attempting collect on a outstanding debit I had with USBank. I informed them that my account with US bank was closed in XXXX or XXXX. They said I had a negative balance and they had purchased the account to collect and that the account was closed in XXXX. She stated that original balance was over {$800.00} and said it was more with interest and attorney fees would be added if they continued with the lawsuit. I told her I had not received anything in writing notifying me of the debit. She stated that had mailed out a letter 45 days ago. She also stated other addresses I lived at in the past claiming they had sent it there also. One of the addresses belongs to a family member and they did not receive anything either. I have not received anything. I have been at my current address since XXXX and had the same phone number since XXXX. This is the first time I have received anything concerning this. I asked her to send me the information to verify the debit. She stated she could but by the time I get it they would have already have sued me. She said if I am disputing it I will need to do that in court. I asked how can I validate the debit if I can not see what I owe. I said I had an account with USbank that closed in XXXX or XXXX but I do not know if that is what they are saying I owe on because they will not send me anything to show the debit. She stated I had until end of business tomorrow to contact them again and settle. I told her to email me the information on the account, and she said all they could do was email me the settlement offer. She gave my the account number attached to the collection and said I needed to do my research and get back in touch with them tomorrow. I contacted USbank and they informed that my account with them was closed in XXXX and charged off and sold in XXXX to XXXX XXXX XXXX. I asked for something in writing that could show my account was closed in XXXX and sold in XXXX and show what I owe and how I owe it. XXXX XXXX XXXX USbank said she could not because the debit was sold and I would need to contact XXXX XXXX XXXX. I attempted to do that and they are out of business because the owner was charged with fraud from forging documents, bribing bank officials and using misleading information to resell those debits. I am attempting to send a verification request to XXXX XXXX and they will not give me an address to send the request to without identify myself and case number. I can not find XXXX XXXX online and the phone number they gave me does not come up on any searches either. US bank will not give me something showing the account closed because they sold it to a collection agency that closed. I do not know where to go next. | ||||||
| 04/25/2022 | Yes |
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| XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service to put a stop payment on 3 checks ( XXXX ) that were made through bill pay. I was told I could not do this without the check numbers. I told customer service that I did not have the check numbers as they were automatically generated by US bank when they produce the check and mail it, but I did have the amounts ( they were all for the same amount ). Again, I was told that there was nothing that they can do and to call back if and when they hit may account. XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service as the 3 checks processed on my account the business night before. I was bounced around within their departments ( 5 times ). Finally I was told that there was nothing that they could do as they had hit my account ( contradiction to my call to US Bank on XX/XX/XXXX ) and I had to call XXXX to get them stopped. They did end up reversing the overdraft charges. XX/XX/XXXX ( XXXX minutes ) : I called XXXX and they told me that there was nothing that they could do as it was US Bank 's responsibility to stop payment on them. XX/XX/XXXX ( XXXX hour, XXXX minutes ) : I called US Bank back again and told them XXXX could not help me as it was up to US Bank. I started getting somewhere. One of the checks ( XXXX ) was returned NSF. She did put a stop payment on that one for the next time it was processed, and told me to call back tomorrow to make sure it was in the system. As for the other two checks, I was told that US bank does have access to get the check numbers that they processes with bill pay and that customer service should have transferred me to the Online bill pay department. If this was done, the stop payments would have been place on these three checks on XX/XX/XXXX. She put in a paper item adjustment for the amount of the two checks that were processed and I should have the funds back in my account on Thursday, XX/XX/XXXX. XX/XX/XXXX ( XXXX minutes ) : Called US Bank and verified that a stop payment was processed for the check that was returned NSF. Confirmed that it was. XX/XX/XXXX : Called US Bank as the credit was not in my account. I was told that is was pending and that it would be processed later that night. XX/XX/XXXX : Called US bank as the credit was still not posted to my account. I was told that it was rejected and they were not going to credit me back the money for the bank error. They also said that they were going to pull up my original call I made to put the stop payments on the three checks and use it for training purposes. I also asked to leave a message to the person who processed the paper item adjustment to give me a call. XX/XX/XXXX ( XXXX minutes ) : Called US Bank to email me the notes of the conversations since XX/XX/XXXX to file with this complaint. They refused citing it was personal information. I asked to speak to a manager. The manager never answered and I left him a message to call me back. | ||||||
| 02/01/2023 | Yes |
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| US Bank XXXX XXXX XXXX new checking and savings account for direct deposit from XXXX XXXX XXXX XXXX. {$5200.00} deposited XX/XX/XXXX. {$5000.00} cashiers check for rental deposit and XXXX rent was withdrawn and given to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX pm Deposit account ending in XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX am Withdrawal account ending in XXXX US Bank {$5000.00} " XXXX '' of the E-fraud department just shut my account and it not available to talk to me. XXXX XXXX will or can not give me any information about why my account was just suddenly shut down!!! My wife and I have been cyber and physically stalked by criminal synthetic identity ring for the last XXXX years egregiously. XXXX " XXXX XXXX XXXX is part of this ring that includes Armenians from XXXX XXXX, WA XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX and XXXX XXXX. All of them involved in epic real estate fraud and property tax evasion. As well as XXXX and XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX and US Bank XXXX XXXX XXXX, WA. Massive fraud. US Bank just closed my account today XX/XX/XXXX from the E-fraud department without XXXX explanation. XXXX XXXX of the XXXX XXXX is corrupt as well. The criminals keep closing my bank accounts, XXXX as well, illegally by employees who work for the banks. Totally corrupt making it impossible for me to survive and pay bills and build my credit back from their synthetic cyber sabotage. XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX, CA Full Name : XXXX XXXX XXXX Known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Related to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Associates : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Phones : ( XXXX ) XXXX Addreses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Ct, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, CA Sun XXXX, CA XXXX, CA XXXX XXXX, CA XXXX, CA XXXX XXXX XXXX, XXXX XXXX, CA XXXX Age : XXXX Occupation : Protective Service Occupations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX He is connected to the Delaware criminals that my spouse connected to XXXX XXXX from the XXXX XXXX XXXX, etc. She has connected him to the entire ring, we have sent all this information to XXXX XXXX and corrupt DOJ XXXX XXXX and FBI. My wife was gang XXXX, beaten, starved, tortured, burned held illegally for XXXX by XXXX for XXXX and uncovering this criminal ring that goes all the way up the ladder. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dignity Memorial, The XXXX XXXX XXXX, so many shell companies from Delaware to Puerto Rico. All XXXX and verifiable. XXXX | ||||||
| 12/08/2017 | Yes |
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| An appraisal was performed on my home and appraisal report received and submitted to the Lender on XX/XX/XXXX, the report was submitted 'Subject to ', the lenders receipt of this appraisal report constitutes knowledge of the need for an appraisal completion report. The Lender then has three days to resdisclose the Appraisal Fee associated with the Appraisal completion report. The fee was not redisclosed within the time frame allowed and further, when a loan estimate was eventually redisclosed on XX/XX/XXXX for a change in loan program and loan amount, the appraisal fee increase was n't redisclosed then either. A closing disclosure was supposed to go out on XX/XX/XXXX and we were told throughout the day by XXXX XXXX, US Banks Account Executive, that they were working on the clear to close and closing disclosure so that they would be ready to release the closing disclosure as soon as they received the clear to close, throughout the day I was continually told by XXXX that he was waiting for answers back from mangers to get my file pushed through, it was only at the end of the day XXXX admitted they would only be working on completing the Clear to close and the closing team for sending out a Closing Disclosure had already gone home for the day. The reason for the file taking so long to get clear to close was not given, however the next day when we were still waiting on a Closing Disclosure, I received instead another Loan Estimate, US Bank was attempting to redisclose the appraisal completion report fee on the Loan Estimate. This is out of compliance for redisclosing the fee as the point of knowledge was XX/XX/XXXX and the redisclosure was on XX/XX/XXXX, nearly two weeks later. Its clear to me the delay in issuing the clear to close was so that the loan would not be able to close as scheduled on XX/XX/XXXX and we would be unable to fund XX/XX/XXXX, by pushing out the closing disclosure by one day they manufactured for themselves a need to extend the lock which was set to expire on XX/XX/XXXX and subsequently a need to issue a change of circumstance to extend the lock, all to my detriment, at my expense. They included the Appraisal fee on the redisclosure which is in violation of the three day rule and from my point of view they manipulated my ability to close on time in order to do it. I had been very plain and communicative with US Bank, and XXXX XXXX in particular, that we needed to close by the XX/XX/XXXX and fund by the XX/XX/XXXX in order for me to be able to pay my contractors in time for work that was completed on my home, pushing my closing date out has a real, tangible, negative financial impact on me and sours my relationship with contractors that have performed admirably for me to complete work on my home, contractors I will likely want to eventually use again, so US Banks actions, in violation of TRID rules, have been detrimental to me in both real financial terms and in personal consequences. | ||||||
| 12/23/2023 | Yes |
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| on the XXXX of XX/XX/2023 I received funds issued from ky XXXX XXXX to my US bank reliacard in the amount of XXXX. I went through the process of activating the card and asked to speak to representative to make sure I had done it correctly. It had been immediately frozen, due to the bank placing a note on my account that was for another person and account all together of which myself nor Ky housing had any idea who they were. They stated I had to fax in my identity documents and that of XXXX XXXX who I had no idea who was so how could I send in her documents. They just kept blaming ky housing for making a mistake. Ky housing called them and discovered that someone with Us Bank had put a note meant for someone else on my account. They still needed my documents for over a week kept giving the same fax number that literally did not work, I repeatedly called and begged for another fax number or another way to get them my documents, so we could get this fixed before XXXX that money on my card was going to their gifts. They refused to give me any other answer for over a week. Finally, after asking several times they allowed me to speak with a supervisor who gave me a working fax number. At this point everything was straightened out and they just needed these from me. This was on XXXX. I call the next morning to verify they received it and makesure they were making good on their promise to unfreeze my account, and this time they my documents were to dark and I would have to return to the store here to fax them again and have them adjust the lighting on the documents. Which I immediately went and did trying to work with them to get this done as soon as possible. Ive literally begged and pleaded with them since the XXXX of this month. Have jumped through every hoop they asked, had the government agency that issued me the card the benefits contact them personally and verify all my information that Us bank had made the mistake, and requested that it be corrected as soon as possible cause Ive already been with out this money since the XXXX for absolutely no reason at all. I called again today to check in, and the representative wouldn't even take the time to read all the million notes in my account, said highly unlikely anyone would get to this today either and that now its looking to be into XXXX. Even though they were just fined for freezing benefits card during the pandemic, they are continuing to do so, and giving no reliable or outdated information on how to correct it. Even after doing everything they request they continue to find some other way to drag out unfreezing the account. What bothers me is that they know this money is my kids XXXX money, and they could care less, they have my identity documents, they have the verifying information from ky housing, their is absolutely no reason for them to keep holding my money and yet they continue to do do.. Because of them my children wont have a XXXX this year. | ||||||
| 06/22/2023 | Yes |
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| I disputed a total of 7 charges on my account that I did not authorize and I received no services for. My dispute with US bank was denied as they said the merchant provided the 3 digit code on back and my phone number " proving I authorized the charges '' ( I DID NOT ) The seven charges were for {$170.00} each from a XXXX XXXX # Here they are per my US Bank statement. XX/XX/XXXX {$170.00} Charged XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX XX/XX/XXXX {$170.00} Charged XXXX XXXX XXXX I received no services from this what appears to be medical facility. On-line XXXX reviews show that the same thing is happening to other individuals. The dispute department treated me very rudely, did not believe what I told them, and would not consider any new information. I repeat I did not receive any services from this company and did not authorize the charges. I spoke with a supervisor named XXXX at US Bank who was the rudest of all. Very unprofessional and would not even consider other information. When googling XXXX it takes you to the following website with these similar complaints. XXXX Most relevant Newest Highest Lowest XXXX XXXX XXXX XXXX XXXX XXXX photos XXXX hours agoNEW-Edit unauthorized credit card charges over {$1000.00}. Did not receive any services. Phone number does not work. XXXX XXXX XXXX XXXX XXXX XXXX review 2 months ago I had XXXX phone consultation with a nurse over XXXX years ago, and paid for the consultation on the spot. They continue to charge my card, several XXXX dollars at this point. My calls to the clinic are never answered - no voicemail More XXXX XXXX XXXX XXXX XXXX XXXX reviews 2 months ago Used to XXXX XXXX XXXX. I saw him for over 10 years. About a year ago office stopped answering the phone. Then I have since unexpectedly received XXXX ( yes XXXX!!! ) charges for {$150.00} each on my debit card. I last had a televisit in XX/XX/XXXX which More XXXX XXXX XXXX XXXX XXXX XXXX reviews 3 months ago Its been over a month that I paid for my visit, met with XXXX XXXX and he has not filled my prescriptions yet. I received a text from XXXX XXXX confirming where they were supposed to go, and what the meds were. That was after XXXX weeks More XXXX XXXX XXXX XXXX XXXX XXXX reviews 3 months ago These guys keep charging my credit card when I have not had an appointment! They dont answer the phone or call me back! This is not right! I called my bank to reverse the payment and all that happened was they charged it again! XXXX XXXX XXXX XXXX XXXX XXXX reviews 10 months ago These guys charged my card {$150.00}. Tried calling them but all I get is a busy signal. I was a patient 3 years ago. Haven't done anything with them since. Can't get a hold of them and now I'm out {$150.00}. This is just not right. XXXX | ||||||
| 12/12/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2021 I called a phone number I thought was the Customer support line for XXXX XXXX ( XXXX ) to request help with a problem with my XXXX printer. The person I reached identified himself as XXXX XXXX, a technician for XXXX. I allowed him to remote into my PC and he restored my printer function. He also told me that I had several ( XXXX ) drivers that were outdated and that my network was corrupted. He offered to install an encryption program for firewall protection and to update the drivers thus providing PC security protection. He indicated that this was an XXXX product and they would provide support. I purchased a XXXX subscription for {$350.00} paid by credit card on XX/XX/2021. XXXX said the firewall protection would take 2-3 weeks to install. I was directed by him not to sign into online banking or any other financial site so they could detect unauthorized sign in attempts/activity. During the months of XXXX and early XXXX, there were several times when my internet connection was interrupted. Each time XXXX contacted me by phone ( XXXX XXXX ) to tell me that as a result of the internet disconnection, the installation process had been interrupted and would have to be restarted. On XXXX received a phone call from XXXX telling me the internet connection was lost again. He directed me in opening a XXXX XXXX XXXX account to secure the {$350.00} cost of the encryption program in case they were unable to finish the installation. I didnt know about XXXX but didnt question XXXX request because he had given what I thought was good customer service and I trusted him. Guided by XXXX, the account was set up over the phone and I did not see what he was doing or know that he was entering my bank account information ( he had hacked into my online bank account ). In all about {$150000.00} was transferred from my US Bank checking into the XXXX account. The entire time, each notice sent from XXXX or my US Bank checking account of these transactions were deleted or hidden from view on my XXXX email account ( XXXX ). So, I was unaware of the unauthorized transactions. At this same time, XXXX once again advised me to avoid logging into my online bank account or any other financial site until the encryption installation was completed. Consequently, I was unaware of the activity occurring in my checking account. On XX/XX/2021 at about XXXX, I noticed an email on my phone screen that immediately disappeared. It indicated something about a {$28000.00} transfer of funds. It disappeared so quickly I wasnt able to see where the funds were initiated or where they were deposited. I quickly logged into my online bank account to find multiple withdrawals from my checking account. I immediately called US Bank Fraud Liaison Department, reported the fraudulent transactions and closed both of my active checking accounts. On XX/XX/2021, I notified XXXX of the suspected fraud and had the account frozen ( XXXX XXXX # XXXX ). | ||||||
| 08/23/2023 | Yes |
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Web | Older American |
| Filed a previous Complaint to the CFPB Submitted to the CFPB on XX/XX/2023 XXXX Closed I received the information in regards to XXXX XXXX in their response is very clear the USBank needs to contact XXXX XXXX to start the process. I was to contact USBank directly and I had 4 deaths in my family last month leaving a Notarize letter to USBank so they could start the retract the payment process for help in recovering my funds in the amount of {$13000.00}. This has been horrible but I also want to point out where they keep talking about the Account holder at XXXXXXXX XXXX had previously contacted me when he discovered I was the person who by no harm intended put that money in his Bank Account. XXXX XXXX had called me got on a FDCP Record line with me and him on the phone I want to say that first call was on XX/XX/2023 with a Male Agent who I did first that it was XXXX XXXX he was speaking to. After the Agent verified the XXXXXXXX XXXX Account was XXXX XXXX then gave permission to that Agent to speak with XXXX XXXX and I asked about the payment and the Agent stated the money was still at XXXX XXXXXXXX on a Bank Hold Freeze and then XXXX XXXX of course upset stated he didnt know me and had no clue why I be sending him {$13000.00} and reported it to XXXX XXXX as Fraud only to discover it was not and told the Agent to give the money back to XXXX XXXX because he was not taking the money and XXXX XXXX had Closed his bank account over this unfortunate situation. XXXX gave XXXXXXXX XXXX the permission to speak with me and I spoke to Supervisors at XXXXXXXX XXXX without XXXX XXXX nod even the line stated the payment was still sitting at XXXXXXXX XXXX and I needed to get USBank to help assist me with retracing the payment. I went to USBank countless times and one time one Customer Service Rep XXXX went to go and get the paper work for me to fill out when the XXXX Manager stopped him and my point is USBank not one time even attempted to help assist me in retracting the payment process and I even spoke to a few Supervisors at USBank explained the difficulties I was having within the Bank and was told on several attempts to go to the same Bank tell them what they stated and it was one XXXX Female USBank Manager told me to go to The Police Department and the other XXXX Manager stated thats the Banks policy and procedure XXXX XXXX this was on the last conversation and she said well I guess you will just have to take us to Court. She made this statement to me on or about XX/XX/2023. Im also seeking damages in the amount of {$50000.00}. Calling me a scammer is what the XXXX Manager at USBank stated to me the last time I was in the USBank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX and I had a male witness practically every time I went to the USBank this stuff is so not funny and I have been emotionally drained and distressed over it taking medication because of it. | ||||||
| 06/28/2022 | Yes |
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| On XX/XX/22 I applied online for a U.S. Bank Cash+ Visa Signature Card and some time later I received correspondence dated XX/XX/22 from U.S. Bank stating : " Thank you for your application for a U.S. Bank Signature Rewards Credit Card XXXX After Carefully reviewing your application and income information you provided, we are unable to approve your application at this time due to : Your debt to income ratio exceeds established maximum guidelines '' Then, farther down my income and expenses info was provided and was followed by : " In order to assist us in determining your ability to pay and assign a credit line, please include all income earned by you of any type : '' This was followed by various types of proof of income I could furnish. After this, on the other side of the page was a generic statement about the FCRA including : " Our decision was based in whole or in part on the information obtained from the following consumer credit reporting agencies : '' Farther down was : " The key factors that adversely affected your credit score were : '' - and several reasons were provided as the basis of why I was denied. A couple of weeks later I received in the mail a pre-screened offer from U.S.Bank for a State Farm Premier Cash Rewards Visa Signature Card. Confused as to why I'd get this offer so soon after being denied I called U.S. Bank on XX/XX/22 and inquired. I was told that the letter I thought was a denial letter was rather a request for additional information and that because I had not provided it within 30 days of my application the window had been closed. The U.S. Bank rep offered the State Farm card which I turned down. After consulting Regulation B I gave U.S. Bank another call and explained the situation once more. I stated that in contravention to Reg B I was not provided a reasonable period of time within which to furnish additional information and that furthermore the wording of the letter appeared more geared towards an adverse action letter. The U.S. Bank rep stated I was sent a letter notifying me that I had XXXX days within which to furnish additional income information to which I replied I had not received such letter. The rep then restated that the window for the Signature Rewards Card had elapsed because XXXX days had passed since the date of the application. In sum, the XX/XX/22 denial letter was ambiguous and misleading because I read it as an adverse action letter and it was not intended to be XXXX. It contradicted the pre-screened offer relayed to me not more than XXXX weeks after. Upon inquiry I was told that I should have received a letter providing a deadline for proof of income that I did not in fact receive. I was told that the application window was closed without being given a reasonable period of time to provide additional information - information I shouldn't have needed to provide regardless because U.S. Bank had decided I was eligible for its credit card. | ||||||
| 05/26/2023 | Yes |
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| Summary : US Bank mortgage paid funds out of my escrow to an insurance company I am not insured with. This overdrew my escrow. US Bank is not giving me my funds back and says I need to pursue the insurance company myself. The insurance company ( XXXX ) has not respond to my request for refund either. Detail : In XXXX I started shopping/getting quotes to possibly change both my auto and homeowners insurance. I received a quote from XXXX insurance, but after they sent me the policy documents for my signature, I saw that the policy showed the wrong effective date, and had some other false information that needed to be corrected. So I emailed XXXX with a list of changes needed and asked for new quotes. Later that night I logged into my mortgage servicer 's website ( US Bank ) and noticed that they paid a payment out of my escrow, equal to the amount of the quote I received from Farmers a few days earlier. This payment had overdrawn my escrow by almost {$1500.00}. I spoke with Farmers on XX/XX/XXXX, and told them that those funds needed to be returned to my mortgage account at US Bank, since I had not yet finalized the policy change. ( I had not received the new quote, I had not signed anything at all with XXXX, and even if I were to go through with the change, the effective date was to be more than nine weeks in the future, so they had no standing to bill my mortgage. ) I was told they would contact me the next day, but they did not. So on XX/XX/XXXX I called my mortgage servicer to request that they obtain a refund from XXXX. I was transferred around to multiple different departments, who all told me that because XXXX had my account number ( which I had provided to them in anticipation of finalizing the new insurance - before I received the error-filled policy documents ), that they had no further responsibility to verify the validity of the payment request before sending Farmer the payment from my escrow account. Apparently it is not their policy to verify that billings they receive from insurance companys are valid. As long as the insurance company has an account number, then they do not ensure that a policy has been agreed upon/signed. In a day and age where rampant hacking leads to constant fraud, they take no steps to protect their customer or do any due diligence before sending out a customer 's funds. The last person I spoke with at US Bank hung up on me. So I want to formally complain about US Bank. US Bank did not due their due diligence in protecting my funds. They did not ensure that the invoice from XXXX was legitimate, before paying it. And they will not return my funds to me. At this point I've made two additional attempts to contact Farmers, but they have not responded either, however I believe that US Bank 's failure to properly vet on a payment request from an insurer not previously associated with my account resulted in this loss and it should be US Bank that corrects it. | ||||||
| 09/14/2023 | Yes |
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Web | Older American |
| I opened an account with us bank on XX/XX/23 by putting {$250.00} in account ending in XXXX. On XXXX. XXXX. XXXX. They decided to close my account. They never sent me anything in the mail or email. I found it out by going to buy a coffee and my card got declined. I then called customer service. The lady was not able to give me a specific reason on why they closed the account. I will be uploading some documents so you can see the funds in this account and the dates and all the transactions. I made multiple calls to customer service to find out what is going on. I was told it takes up to 30 days to close the account and then they'll issue a check in the mail. I never received a check in the mail for the remaining balance in account ending in XXXX. After that I called customer service again. I was told it was in a safety deposit box at the branch. Then I was told there is no money at all. I have had the runaround. Let me tell you. I went and talked to branch manager at the XXXX XXXX location on XXXX XXXX. He told me that account was closed due to third party checks which I don't see what the problem is as they were countersigned and on the back of them it says pay to the order of me. I banks with XXXX XXXX for 15 years and my son countersigned many checks over to me. Now the checks that were put in the ATM we never got back the originals they sent us these numb negotiable checks which say they are a legal copy and any bank institution will accept them. That is not true. I have been to many institutions and they said to contact the issuer. The bank manager told me give me 3 days and I will issue you a check from the branch. I gave him a lot more than 3 days then he was dodging my call so I had to go there in person and then he told me. Oh I'm waiting to hear back from them. He was very disrespectful. Smirking smiling. It's not funny. It's not like a couple XXXX dollars here. We're talking XXXX I have never been behind on my mortgage and I am behind one month. I have just sold my truck to catch up. I have never been treated like this by a bank. I can't believe the manager thinks this is just no big deal. Oh I understand. He says there's no way he understands. I keep asking him for a time frame and he says he doesn't know. This is not the way to do business especially by a bank to withhold this amount of money and not even make the effort to find out what is going on so they can pay me out. The account was closed because of third party checks. He said today on the phone. Oh they're waiting because some of the checks they want to make sure they don't bounce. I know 14 days you know if that check 's going to clear so I just keep getting lies from him and I don't know who else to reach out to but you guys, If it was money that I owed us bank they would be charging me late fees and interest, now I have another problem because these non-negotiable checks some of the issuers will not reissue another one, | ||||||
| 08/07/2023 | Yes |
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| Urgent Complaint - Unresolved Debt Affecting Credit Despite Statute of Limitations Expiry Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an urgent matter that has been significantly affecting my credit history for far too long. A longstanding debt associated with my account at US Bank has remained on my credit report despite the legal statute of limitations expiring in 2017. Moreover, I have not received any notice or communication regarding this debt during the years leading up to its continued reporting, which is causing severe damage to my creditworthiness and overall financial well-being. As a responsible consumer, I have always strived to fulfill my financial obligations and manage my finances prudently. However, unforeseen hardships during the time of this debt 's origination hindered my ability to address it promptly. I had hoped that the statute of limitations would provide relief and allow me to rebuild my credit, but regrettably, this has not been the case. In accordance with the applicable laws and regulations, debts are meant to be removed from consumers ' credit reports after the statute of limitations has elapsed. It is both concerning and distressing that this debt remains on my credit report, adversely affecting my creditworthiness well beyond the legally mandated period. Adding to my distress is the fact that I have not received any notice or communication from US Bank regarding the existence of this debt in recent years. Had I been aware of this debt 's presence, I would have taken the necessary steps to address it diligently. However, the lack of any such notice has left me blindsided and struggling with the consequences of its lingering appearance on my credit report. I respectfully request that the Consumer Financial Protection Bureau investigates this matter promptly and ensures that US Bank complies with the appropriate regulations governing credit reporting and debt expiration. I firmly believe that this debt should have been removed from my credit report in 2017, and its continued presence is both unjust and damaging to my financial standing. I am more than willing to cooperate fully with any inquiries or actions taken by the Bureau to resolve this issue. Enclosed within this letter, you will find relevant documentation substantiating the date of this debt 's origination and my efforts to address it within the applicable statute of limitations. I sincerely hope that the Consumer Financial Protection Bureau can facilitate a fair and expeditious resolution to this dispute, allowing me the opportunity to rebuild my creditworthiness and secure a stable financial future. Your intervention and support in this matter are of utmost importance, and I eagerly await a positive resolution. Thank you for your attention to this critical matter, and I appreciate your commitment to safeguarding consumer rights. Sincerely, XXXX XXXX | ||||||
| 10/31/2022 | Yes |
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| On XX/XX/XXXX I overnighted a check to pay off my lease on a lease end purchase from US Bank on a XXXX XXXX XXXX. The amount was XXXX on Lease Number XXXX. On XX/XX/XXXX, the payment arrived and was signed off - XXXX XXXX # XXXX. On XX/XX/XXXX, I received a phone call from US Bank inquiring what I was planning on doing with my lease. I advised that I had sent in all my paperwork and the check was overnighted and received. I gave the person my XXXX tracking number. He had to investigate it and came back on the phone to state that he talked to lease end maturity department and they said they could not process my payment due to the fact that the legal line did not match the amount box on the check. Wouldn't it have been nice if someone had called me? I then asked the representative how I could expedite the payoff of the lease and he advised that he could take the payment over the phone for the lease amount. I provided my routing and account and he came back on the phone to tell me the most he could process was XXXX. I asked if he wanted to take my payment in increments as the money was there. He thought it was better He then provided me the information for a bank wire transfer to US Bank. XXXX XXXX with specific instructions on what to put in the memo section. I immediately notified my bank and they wired the money to US Bank. On XX/XX/XXXX, I received a phone call from US Bank asking me again what I planned on doing with the lease. I advised if she could read the notes on my account as I had just spoke with a representative on Friday XX/XX/XXXX and the rep said there were no notes regarding my payment. I then advised of the bank wire transfer and she said the lease maturity department does not take bank wire transfers. I said, why was I provided the bank wire information by US Bank if that was the case. After being transferred 3 additional times, they were able to locate my bank wire payment. And then I was told that they would need to send it back to me and that it could take 5 business days and I would need to send another check. I asked why I would need to send another check when they already had my money? I was given the excuse that it was with another department of US Bank which was the collections department. I advised that the collections department should be able to refund my money to the lease department. And the worst part is that they are now threatening collection actions if I don't send in a check when they are the one 's who have my money. I have spoken with a Senior Rep ( asked for a supervisor ). How can a bank treat a client like this? How can they provide me an expedited payment method through bank wire and then after they have the money refuse to apply the payment to my lease. They told me their procedures were that they can not accept bank wires for lease payments but they clearly did. Currently this has not been resolved and have been waiting on a call back all day. | ||||||
| 01/04/2021 | Yes |
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| I have filed 3-4 previous complaints now against usbankreliacard. I have called numerous times, had no income for the holidays for all of my children nor any information pertaining to my case. Usbankreliacard issued a respond notice stating that they didnt credit me back from my XXXX claim because I didnt send in the paperwork that was supposed to be sent to me for my claim. Thats the whole entire issue at hand now. I never got any paperwork for my claim. Infact when I made the claim back in XXXX my card was never even cancelled and I was never even sent out a new one to be able to protect myself from any other potential charges that I have not made yet in the future. With that being said, that is exactly what happened. From XXXX until XXXX around the XXXX XXXX charges and XXXX charges were made on my exact debit card that I made the previous claim about. Simply because my information was clearly already comprised but usbankreliacard never cancelled my initial card, which then ended up costing me roughly over XXXX dollars to be taken out of my account that I never once authorized or even gained access to the website and app that was even used. I have sent in multiple documents of proof, as well as from cashapp themselves stating that I never had an account, as well as emails from them as well as XXXX. If my card had been cancelled back in XXXX and my new card sent out, then I would of never had my card compromised to even be able to take out any money let alone over XXXX dollars. It wasnt until XXXX when I called back again to say hey I never got any paperwork from late XXXX, I never got a new card, since mine should of automatically been cancelled but clearly never ever was or a new one issued and sent out to me, so my card was then cancelled. Which is after all of the charges had already went through. Automatically making it usbankreliacard fault for never cancelling my first card and sending me out a brand new XXXX from the XXXX call which then led to charges XXXX days later of a lot of money being taken out without my knowledge and without my permission. Had usbankreliacard done their job and cancelled that card in XXXX and sent me out my new one theres a very high chance that the future charges for my account would of never been able to be used. This has been going on for over 90 days now and I am still waiting for my money!! My lawyer sent over paperwork, I have sent over everything and every documentation to prove that it wasnt me, nor did I make those charges, any of them, nor did I have any knowledge or give anyone else permission to make them charges! I just want my money back!! I have children to take care of and a dog and a house and myself and my family and I cant do that and I havent been able to all because of usbankreliacard!! This has gone long for far too long!! I will have my lawyer send over additional paperwork if need be!! This is illegal in every way shape and form!! | ||||||
| 06/19/2019 | Yes |
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| Who : 1. XXXX XXXX ( US Bank customer and " account holder '' for Visa ending in -XXXX. 2. US Bank Dispute Resolution Department. 3. XXXX XXXX XXXX XXXX. What : On XX/XX/19 account holder attended the practice round of 2019 XXXX XXXX XXXX held at XXXX XXXX XXXX XXXX. The account holder purchased merchandise from the pro shop. The merchandise shop did not have visible signs that noted that all sales are final ( i.e. no monetary refunds and only exchange of goods ) nor did the person at the register state that the sales are final. Only the back of the receipt noted in fine print the terms and conditions ( which violates the cosumer protection laws on disclosing fully that sales are final ). On XX/XX/XXXX, account holder reached out to the merchant to request a partial refund on some unused goods and shipped the goods back to the merchant ( via XXXX ). The merchant noted then via phone that sales are final. As the account holder felt that the merchant failed to disclose properly the nature of the transaction, the account holder requested US Bank ( account holder 's bank that issued the Visa credit card ) to resolve this dispute. Account holder requested a chargeback in the amount of {$230.00} as all the goods were returned and received by merchant. The account holder filled out all required forms, attached copy of the receipt, etc. ( attached herein ). US Bank denied this chargeback request on XX/XX/19 noting that Visa requires account holders to try to return the goods and resolve in person. Account holder let US Bank know on XX/XX/19 ( via phone call ) that the merchant does not allow anyone on its property to buy or exchange goods other than during the time of the tournament ( which is held once a year ). US Bank noted that they understand this transaction was an exception and will get back to the account holder by XX/XX/19. The account holder did not receive any calls or messages from US Bank. Where : Initial purchase was made on XXXX XXXX XXXX XXXX. When : Initial purchase was made on XX/XX/19. Attempts to obtain refund or dispute resolution took place thereafter ( see timeline above ). Why : Account holder is eliciting CFPD 's help as US Bank failed to contact the account holder after they noted that they will have resolution by XX/XX/19. Account holder believes that the merchant failed to adequately disclose the terms of exchange/refund. Account holder also believes that given the attempts to resolve in person ( not possible since merchant does not allow anyone on property ) were made and that since all the goods were returned in new/unused condition, he is deserving of the refund to his account. The merchant noted that in the case of exchanges, they can only describe what the other goods look like, which the account holder also believes is predatory since the merchant does not publish what its good look like in order for consumers to make informed decision on alternative goods. | ||||||
| 07/26/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I tried to make a XXXX payment at noon. It failed, and I tried the robotic symbol. I didn't think much of it. XXXX hours later, I received a call from a number claiming to be US bank. They started asking questions about the XXXX payment to which I explained that I was sending money to a friend that I borrowed money from. They said that the email was linked to a scammer. They started saying I was involved in fraud, piracy, etc. I called customer service at XXXX pm. I was talking to a woman who looked up my account, and she told me that it seemed like an impersonation of US bank. She told me to try to XXXX the payment again, so I did. Around XXXX pm, another number called which happened to be the same group that initially called me. I merged the call so the US bank representative could hear what was being said to me. The US bank representative introduced herself and asked for the other persons credentials, and the other person refused. After the call, I was notified that my bank account was terminated because I was a victim of a scam. Yesterday at XXXX pm, another representative tried to help me. I was told that nobody was telling her anything about my situation. She told me that it had nothing to do with the XXXX XXXX. I am a XXXX veteran. I live off of XXXX dollars a month which is XXXX pay. My account was closed with {$1300.00} still in the account. I am worried about how I am going to pay my bills. It's not easy to change my accounts because I have to contact the XXXX, XXXX XXXX, and several other agencies in order to do so. I'm worried about where my next check is going to go. I'm afraid to end up on the streets. This bank advertises equality on their commercials. However, when it comes to military veterans, where is the equality? thein I talked to XXXX named XXXX and he said I don't care who you talk to, I don't care how or employees treated you cause your accounted is getting closed and ur not part of us bank then I tried talking to XXXX XXXX about this and they said we don't deal complaints or how our employees act. then I received a letter in mail saying I requested on XX/XX/XXXX a extension on a dispute. so I had my case XXXX call me and the first thing is sked was did we ever talk about a extension and he said no. then I asked is there any note of it on mya account he said no and then I said I'm holding a letter saying I requested and if I don't send this in the dispute will fail. he said I'm tracking no letter at all. then is sked what do u need from me he said just dates and I told I will send that to him later he said just call back. now when I called back a lady in fraud was fighting me asking what re the dates for, why, I don't understand I literally had to tell her several ; times to give the date to my case XXXX and she said took the dates down so this letter I received is falsifying documents and is illegal ontop of that all there phone calls are recorded | ||||||
| 11/06/2021 | Yes |
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Web | Older American |
| On XX/XX/21 I received a phone call from a person identifying themselves as XXXX fraud prevention employee telling me my XXXX account had been hacked for a {$990.00} cell phone purchase. In order to refund me the money for the purchase, he needed access to my bank account to replace the money because XXXX wanted to prevent any fraud to my account. All the while this person had control of my phone moving money around the various accounts I have. This person took a cash advance using XXXX charging it to my credit card then moved the money to my checking account and withdrew it. I began to realize something isn't right. I ended the phone call and drove to the bank to stop this transaction from going through. After explaining the situation, the bank wasn't very helpful. Instead, I was given phone numbers to call their fraud department which I did. In the following two weeks after the incident I made contact with the US bank fraud department a least a dozen times. In addition, I also contacted Credit Card Services who handles the credit card portion of the transaction. The two divisions keep passing the buck back and forth. Nothing is being resolved. In the interim, the bank issued me a new credit card, savings account, and checking account. On XX/XX/21 the same day as the fraud, I reported the crime to the XXXX XXXX County Sheriff 's Department. I contacted the bank again to make sure they had the Sheriff 's report number. Again nothing resolved. Three weeks after I made the report to the Sheriff 's Department a detective came to my house for a follow up report. We made arrangements to meet at US bank because I needed to be present to give permission for access to my account. It was at this time I discovered the bank considered this a " friendly fraud '' meaning I suppose I had something to do with it. My claim for fraud was disallowed. As far as I know the investigation is still ongoing with the Sheriff 's Department. Now I'm stuck paying {$1400.00} plus interest on a credit card cash advance that I DID NOT DO! I have to make minimum payments or it effects my credit rating. According to US bank, when they look at their computer screen it looks like I did this because " it had to be done mechanically ''. No one at US bank is listening to the details as to how all this transpired. During my numerous phone calls to the bank I was told a fraud investigator would contact me within 48 hours. It never happened. I was told several times that my case is still under investigation by the banks fraud department and credit card services division. Again, nothing. If someone at US bank took a look at my spending habits via transactions made from my accounts they could see this is completely out of the norm for me. I've never taken a cash advance in my life! Nor have I used XXXX XXXX for anything! I don't even know how to use it. I'm retired, paid off all my credit cards and now this happens to me. | ||||||
| 07/30/2015 | Yes |
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| XXXX and XXXX XXXX, due to a job relocation, have been attempting to sell their property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX for over two years. Recently we were able to get the XXXX lien holder, XXXX, to agree to a short sale and they have provided the FHA Approval To Participate letter on XX/XX/XXXX. Please see attached documents. The XXXX lien older, US Bank, has been " processing and reviewing '' the same short sale documents that XXXX has approved since XX/XX/XXXX, At this time they have stalled the process of the short sale review with no explanation. Please see attached email string where I have asked, then demanded, some indication of the activity on the file. I keep getting an email from XXXX XXXX, the Customer Relations Manager, telling me the file is being reviewed. It 's been " being reviewed '' for almost 5 months now! It 's past time for a decision but US Bank is deliberately stalling this file for their own reasons, none of which have to do with the file. They asked me for a Request for Mortgage Assistance ( RMA ) on XX/XX/XXXX and it was completed and sent to them the same day. But when I called them to see what the status of the file was on XX/XX/XXXX the US Bank folks told me they did not have the RMA and required it. I emailed it to tem again and apparently they found it, or did not lose it, that time. Then on XX/XX/XXXX they asked for another group of documents, including the same XX/XX/2014 Federal Tax Return we had sent in back on XX/XX/XXXX, a copy of the Homeowner 's Declaration page and the Property Tax Statement, which we had previously informed them on XX/XX/XXXX by signed and dated written statements that the XXXX lien holder had been taking care of, and a copy of the XXXX lien holder payoff statement, AGAIN provided to tem on XX/XX/XXXX. The Relationship Manager, XXXX XXXX, sent an email on XX/XX/XXXX asking for a VALID PURCHASE AGREEMENT. That document had been sent in XXXX times previously, on XX/XX/XXXX, on XX/XX/XXXX and on XX/XX/XXXX. XXXX told me they needed a fully signed sales agreement but, after reviewing the file VERY carefully and not seeing any missed signatures and asking for specifics as to the supposed missing signatures, she would not provide any specific page numbers or page identification information. See attached email string. US Bank is deliberately stalling the process of this short sale request and refusing to cooperate to allow the borrower to avoid foreclosure. They are obstructing the process by " losing documents '', asking for correction on imaginary problems and in general not acting in good faith with the borrower. They are the quintessence of a financial institution that thumbs its nose at the federal regulatory agencies by not cooperating with their customers as the Dodd-Frank Wall Street Reform and Consumer Protection Act intended to enforce and that intentionally causes damage to the lives of heir " customers ''. | ||||||
| 11/13/2022 | Yes |
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| I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For He is my Creator. XXXX XXXX XXXX No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the XXXX, and their righteousness is from me says the XXXX. This complaint is against US BANK, XXXX XXXX XXXXXXXX, XXXX, XXXX by me, XXXX : XXXX Date of Live Birth is XXXX XXXX XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. US Bank and XXXX XXXX are making adjustments to unlawfully created accounts in our name. US BANK and XXXX XXXX have made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my husband. US Bank did not disclose these recent flags or changes to the accounts to us nor did they have our consent to report to ANY consumer reporting agency or make adjustments to any accounts in our name. US BANK and XXXX XXXX have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The deed was sold to Open Door to avoid the continuous harassments and abuse from US BANK and XXXX XXXX. The threats, harassments and abuse caused us personal injury to ourselves, our children and our personal property. US BANK and XXXX XXXX listed us as tenants in their unlawful/Illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both US BANK and XXXX XXXX They deceived us but the proof is in the sale. The documents we retained to sell our home required signatures of the OWNERS, Myself and XXXX XXXX. The consumer reporting agencies failed to verify accuracy of the provided information before the adverse affect of lowering our credit score XXXX points both times. XXXX and XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX XXXX are guilty of frauds and swindles, Identity theft, Aggravated identity theft, Failure to protect customer information of financial institutions and so much more. | ||||||
| 04/17/2021 | Yes |
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Web | Older American |
| I had a XXXX XXXX XXXX XXXX that I sold in XX/XX/XXXX. In XXXX of XXXX I sold the business property where all my bills got sent to. My XXXX had made arraignments to have the bills sent to my house. I did not get any bills sent to my house so I figured she was still getting them. I did not use the card as frequently because as I stated I sold my XXXX. In XXXX I was out of state and tried to use the card it was denied. I called the card company ( XXXX XXXX Visa ) Elan Financial Services to find out why it was denied. They stated I was 32 days past due. I said how can that be I have not received any bills and why did you not call me or email me surely you have to have by business number, this is a business card. The card was taken out in XXXX when I purchased the business from my partner and became an LLC. They said they called the number on file several times. I asked them to give me the number they called. It was not any number I recognized. They got abrupt and said well we called that number several times and left a message and the card was on hold till they received a payment. I had my bank account number and routing number and paid it in full electronically. I called the number they had on file a machine answered with this message Hi Im XXXX I am not at home please leave a message. I recognized the voice of my ex-wife. We have been divorced for over 18 years and had no way of knowing her phone number. I called the card company and spoke to a supervisor ( XXXX ) telling him the facts of the case and asked how did my ex-wifes number got put on as my credit card contact number. He did not seem to give a damn and said I should have realized that I was not receiving any invoices. I said there was the confusion with the address change you could have called my business number or sent the bill to either the old address or the new one, you did neither and arent you the slight bit curious how my ex-wifes phone was used as a contact number. His response yea thats strange. I have been in contact with Elan many times to straighten this out. I asked that all the invoices be sent to me either through email or mailed to me so that I can review them. All they did was mail me a total amount owed without any break down. I called again on XX/XX/XXXX to find out why I have not received them. I talked to a person named XXXX and she said she could not email it but would mail me and fax them to me. It has been 4 hour and still no fax. I have paid these bills in full yet I have no way to verify if they are legitimate. This has been a nightmare I have always paid my bill on time every month religiously. I am asking the CFPB to step in and hold Elan responsible to correct this and to clear up what ever damage was done to my credit rating. I feel very wronged by this and feel powerless they seem to hold all the power without any responsibility or liability. Thank for your consideration in this matter, XXXX | ||||||
| 02/03/2016 | Yes |
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| 1. I refinanced my auto loan from US Bank to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX submitted XXXX Bank a check for {$19000.00}. This payoff amount was quoted to me on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I had notified US Bank about cancelling an extended warranty that was purchased from the XXXX dealership when I initially purchased the vehicle. I was told that the amount would be around {$3200.00} and it would be credited back to my loan with US Bank. A representative told me that it would take XXXX wks for processing. However, it took longer than expected. I even notified US Bank about this and their representative assured me that this would be taken care of in a timely manner. The lady told me it was n't necessary to submit the XXXX payment because the {$3200.00} cancellation of the extended warranty would be processed as my XXXX payment. I made several phone calls to US Bank inquiring about the status of the check submitted by the XXXX dealership. 2. I would like for US Bank to take responsibility for this error on their part. They have reported a 30 day late payment on my credit report. This has caused a major inconvenience to me and my family. As a result, this has lowered my credit score XXXX points. I am requesting that US Bank remove this adverse action from my credit so my credit file can be restored. 3. Not only did this error effect my credit score, I also discovered that US Bank had misquoted my payoff on XXXX XXXX, XXXX. According to their records, there was a stop payment issued on the initial check for cancelling the extended warranty. Unfortunately, another check was issued and I was given credit for XXXX cancellations in error. This definitely caused a major inconvenience with XXXX XXXX XXXX XXXX and myself. I had to make several visits to RFCU to resolve this matter, which resulted in me having to do additional financing to support my remaining payoff with US Bank. This caused me to get an extremely high interest rate on the new loan for {$3200.00}. And I have been charged excessive daily interest by US Bank because they were n't paid in full. This was their error and they should 've waived the interest charged to my loan. 4. I have documentation of my XXXX Mercedes Benz C-Class vehicle being paid off by XXXX. The XXXX check submitted was {$19000.00} and the second check is being submitted in the amount of {$3200.00}. I have lost wages from work having to make all those visits to XXXX. US Bank has not taken responsibility for this major inconvenience. They only have admitted to misquoting my initial payoff in error. They have not agreed to offer me any type of consolation, nor have they offered an apology. They have been extremely unprofessional and have shifted the blame on me. 5. After thorough investigation, I would like that XXXX, XXXX XXXX -day late payment to be removed from my credit file. Thank you in advance, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX | ||||||
| 04/29/2016 | Yes |
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Web | Older American |
| XXXX XXXX, 2016 On XXXX XXXX, 2016 I met with XXXX XXXX, XXXX, XXXX XXXX XXXX., at US Bank to find out how US Bank could help me find start-up XXXX which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needless-to-say, I found XXXX to be very unconcerned about my inquiries, but before I ever had a meeting with XXXX, I had to constantly bug the branch manager and tellers to have him get in touch with me. Finally, on XXXX XXXX, 2016 I received a phone call from XXXX who told me he was at the XXXX, OH branch office, but was about to leave as he had other engagements to attend. I told him I lived right across the road from where he was at and could be there in XXXX minutes and to wait for me. I was told by the branch manager which office XXXX was in and as I entered he said " I hear you have been trying to get in touch with me ''. First of all I expected more from a loan specialist. He did not ask me for any documentation, ( business plan, incorporation documentation, EIN, etc. ), nothing. He just asked me what I wanted. I told him I need start-up capital for my business and what and how exactly do I achieve this. He asked me if I was given the US Bank XXXX Business Banking '' brochure that lists their features and benefits and I told him no. So he got up out of his chair and secured me XXXX and told me to read this so I would know what US Bank offered business owners. I thanked him, but proceeded with my questions about how my credit score affected my request for a business loan and what does US Bank look for when a request is made because I had been turned down for a US Bank card line-of-credit. I also informed XXXX that I was working with a credit repair company to get my credit scores fixed, but I needed to know the parameters US Bank used to approve or deny credit. XXXX said that US Bank did not deny loans based on the credit score, but used various factors to do so. Again, I asked what the factors are. XXXX 's answers became more ambiguous. He began to draw circles on the desk with his hands saying that the factors could be a number of things but stating nothing specifically only that the FICO credit score was not the main issue. Afterwards, I asked XXXX who at the bank makes the decision and he told me the Underwriters at US Bank makes the decisions. I asked him if I could speak with them to find out what factors decided the definitive yes or no to a business loan, and he said no. So at that point I saw that I was not going to get any answers that could help me with my business venture as XXXX 's phone alarm kept prompting him to wrap it up and I could see his face getting red ; his hands sweaty and his demeanor very short. If he is the voice for small business support, then I feel US Bank 's decisions on who or who not they are going to help is very bias because it seems there are no parameters in place for making a fair and judicial decision, and this annoys me greatly. | ||||||
| 08/06/2018 | Yes |
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| Copy of letter to US Bank Home Mortgage : Dear US Bank representative : I received your letter of XXXX of XX/XX/2018. My home is located in a government declared disaster area due to lava eruption in Hawaii. Through multiple phone calls in discussions with US bank home mortgage representatives I have been informed that my mortgage is in " forbearance '' status. I was informed by US Bank representatives that for a period of 90 days US bank would NOT report anything to the credit bureaus and all late fees would be waived. You are clearly aware of this forbearance situation as you quoted reference to my Relationship Manager in the letter. In this letter dated XXXX of XX/XX/2018 you state that you " may report information about this account to credit bureaus ''. This is in direct contradiction to everything I have been told by US bank home mortgage representatives. You further state that " failure to remit payment by the late charge date will result in a late fee assessment ''. This is also in complete contradiction to what I have been told by multiple US bank mortgage representatives and my relationship manager, XXXX XXXX. Do verify immediately, in writing, that my account is in forbearance status as quoted to me by multiple representatives and my Relationship Manager. Also verify in writing that you will not make reports to the credit bureaus and late charges will not be charged as stated during the forbearance period of 90 days. Understandably, during this disaster situation there are significant issues to be dealt with daily. The last thing we as mortgagees need is for the bank to send false and inaccurate information in direct contradiction to what we have been quoted on the phone. Do verify, in writing, the status of my account and the specifics of the forbearance process including reporting to credit agencies. I highly recommended that US Bank coordinate mailings and statements to clearly indicate the forbearance status of the account. Letters such as XXXX XX/XX/2018 letters should be sent by a mortgagee 's Relationship Manager with accurate and current information. Also, in conversation with US Bank customer service representative XXXX on XXXX of XXXX XXXX XXXX HST, recorded, XXXX stated that she would discontinue my automatic monthly payment drafts from my credit union. In conversation with US Bank representative XXXX on XX/XX/2018 the representative verified that the stop payment request had been placed on my account. In spite of these two assurances by US Bank representatives, U.S. Bank attempted to draft the mortgage payment. Verified in the enclosed letter from US bank dated XXXX XX/XX/2018. Verification of the {$40.00} in fees from my credit union for the attempted drafts by US Bank are enclosed. Do immediately reimburse me {$40.00} for these fees. A check should be sent to me at my address below. Your prompt attention to this matter is expected and appreciated. | ||||||
| 01/29/2024 | Yes |
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| My complaint is about the deception in the wording, " covid relief '' when I had been making payments late I was offer the opportunity to take advantage of the program, at the time I was struggling, along with the entire world to make payments on basic necessities, it seemed as a revelation from God, so I didn't questioned it, as many others I was thankful, at the time I owed the bank XXXX more or less, and j thought that things were actually going to look up for me, well this year I decided to part ways with the house, since the struggling times had comeback as I was trying XXXX fix the house to sell it, I was ready to part ways in an as-is condition, willing to walk away with only the money I had invested on repairs, but it turned out that the XXXX page contract that the bank sent me had intricate wording behind its title of " relief '' giving the fact that now my balance of XXXX had increased to XXXX taking away the little bit I was planning to walk away to try to build a fresh start for me and my XXXX XXXX XXXXXXXX XXXX, after all I have been paying all my mortgage payments on time since I bought the house, can I walk away with something or is that not allowed? The bank will not loose, never has, now that my house is under contract and about to be sold, the bank will be paid in full, but my question is, why do me and my daughter have to start from minus zero? Is there any justice when the equilibrium of things are set? If a pandemic starts are the little taxpayers supposed to be the only ones to suffer while the big entities like the banks thrive on? Or can we make it an even struggle? And let the bank actually provide said " relief '' since they already ripped the benefits of years and years of high interests rates and principals? I am not here to complain about my high interest 30 year mortgage, I agreed to it and was gladly making those payments, my complaint here is that we entered a global pandemic and a disaster package wrapped in the word " relief '' was offered to us, just to find out later on that there was no relief in it but sorrow, are we to let big entities thrive in the pain of the people without batting an eye or doing anything about it? The XXXX I could have walked away with it is nothing to a big entity that rips benefits of 30 year long loans, but to me and my baby was the one and only option we had between looking for shelter or being able to afford one. If this is what " COVID relief '' from a company supported and backed by the government does when a worldwide pandemic hits, which is, to use the name of said pandemic to take from the impacted without remorse and become fatter thereof, then I must say, worldwide pandemics make for good business. I must remark, that I was not looking for " loan modification '' or " forbearance '' plans, I took the " COVID19 relief '' bait, and I sure fell for it, as I was laying on the ground they made sure to take it all | ||||||
| 12/30/2023 | Yes |
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Web | Older American |
| I was looking for a company on XXXX that produces XXXX analyzers for mines. In XX/XX/2023, I found a company XXXX XXXX XXXX XXXX XXXX, which offers XXXX analyzers for mines, for examining stones. They advertise their machines for analizing metals, powders and liquids, which was supposed to solve my problem at XXXX XXXX XXXX. Because although I have a handheld NITON XXXX XXXX, I missed a machine for testing powdered stones and their chemical solutions. They offered their XXXX machine for {$9600.00} with shipping. I made the payment to their account through my bank USBank on XXXX. Unfortunately, this shipment was partially looted by XXXX employees. After the sellers completed the missing components and the machine was put into operation, problems arose. Their XXXX machine was doing fake analyses. To check their machine, I tested the same products ( metals, stones, stone powders, electrolytes from electrolysis and electrodes ) with their machine and mine, which was refurbished by XXXX company. It turns out that their device makes false results, it does not even detect metal plated on the electrodes : iridium, platinum, gold, silver, rhodium, palladium and others. I asked this XXXX company to reprogram their machine for mining, but they can not do it. I asked them for a refund because their machine is not suitable for mining, but they refuse. I asked XXXX XXXX, but they only solve customer cases of non-payment or non-delivery of goods. They don't handle fraud cases like my case. I asked my bank US Bank for help in recovering my money, but the people from this bank believed the seller who only sent selected texts of correspondence. Moreover, the seller does not have a certificate for this machine or even a manual for this machine. They claim that they have the certificate, but it is their secret, which is nonsense, because the certificate must be presented to the seller. I received over XXXX pages of description from XXXX, including safety information - this machine emits dangerous XXXX. I also received certification upon request. This XXXX company should not produce such machines, much less sell them abroad. Not only making false analyses, but there is absolutely no documentation of operation and warnings for recipients. I no longer have previous texts with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, I have a new account on XXXX. She should send all documentation of our conversations. Then you will see that they are lying to customers. They still offer their machines for mines, even though I proved to them that these machines are not suitable for testing powders and liquids. In the texts, XXXX XXXX initially writes that this machine is for testing metals, powders and liquids, but during the argument she admitted that their machine is only suitable for testing metals. But this is not true either, because as I wrote, their machine performs false tests of metals on electrodes. | ||||||
| 01/29/2017 | Yes |
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| My home is being repaired right now due to a sewer leak. It has rendered it unlivable, therefore I am living in an apartment until all the repairs are finished. I have been living in an apartment since XX/XX/XXXX. About 4 months ago, I realized that my card had not come in the mail, I was still receiving mail at my home, and I called the bank, US Bank to inquire about it. They said it had been activated and there were multiple charges and PIN authorized charges as well. They filed a dispute and issued another card to me and gave me provisional credit. Come to find out this was not the only card they had sent out, and not the only card that was stolen from my mail. This went on for about 8 months. I had XXXX checking accounts so the XXXX I always used was fine, it was the other XXXX that the card never seem to come that was getting abused by thieves that had m been stealing my mail. Also they were ordering items and having them delivered to my address, at XXXX XXXX XXXX XXXX XXXX, TX XXXX. They got into my house as well and went through my files, now they have a copy of my ID and all my account numbers as well. This is now a full blown identity theft case. Now the bank froze both my accounts and they have taken {$11000.00}. Out of my main compromised account and they can not find it. They closed another account that had {$1100.00} it. I have yet to receive a check or heard any thing about my funds yet. They were closed XX/XX/XXXX. Also, XXXX of the account was compromised with an automatic withdrawal. They closed that account due to the thieves having my account number and opened me another account. Then closed it. Now, just the other day I look on their website and they have reopened the closed compromised account, and there are multiple unauthorized automatic withdrawal from XX/XX/XXXX. I called them about this and they told me that it was reopened from Fraud Prevention to give me provisional credit for some of the debit card charges from months prior. I told them it had been closed by me because of the automatic withdrawal that happened about a month ago, and they think that the new account ending in XXXX was the account that was compromised and not the original account. Note : The new account was also closed by them for unknown reasons. They are dealing with this very unorganized, they are not informing me of anything going, especially where my funds are. I am scared they lost them. I need some help dealing with them because I seem to get a different answer every time I call them. Explaining the situation over and over again. Last time I spoke with them, last Thursday XX/XX/XXXX, they were talking like the accounts were abused by me and that they were investigating me now,. I am the victim of a major Identity Theft and I want to use my rights against the banks accusations and I want them to find and released my money to me. If they do n't I might lose my house and car. | ||||||
| 04/13/2023 | Yes |
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| I was selling a bag through my XXXX account when an interested individual contacted me named as XXXX XXXX. We agreed for a certain price and said that the payment will be through XXXX. I said okay and the next day I sent the bag thru XXXX and waited for the payment. As time goes by, XXXX emailed me that they can't sent the money because of XXXX. Dear : XXXX We apologise for the late response as we were upgrading our server which has now been sorted out. We have successfully verified and confirmed that you have refunded the buyer and the funds have been approved to be credited into your account immediately. But on the verge of crediting the total pending payment of {$3500.00} USD as we notified you earlier which was paid by the buyer XXXX XXXX. We looked through our Data-Base and found a total pending payment of {$3500.00} USD. There has been another new payment of {$1000.00} USD from the same buyer XXXX XXXX making a double payment from the same buyer. We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, as such, we can't proceed to credit your account with your initial pending payment of {$2500.00} USD. We are aware of the fact that the new payment of {$1000.00} USD was a mistake on the part of the buyer 's Accountant as he over credited your account. We have then looked into ways of resolving the issue so we can then credit your account with the payment. But as it is now, it has already been recorded in our Data-base and there is no way we can separate these funds. Funds are not returnable to the buyer. In this case, you own the total money. We have also tabled the transaction before the Board Of Directors and they have advised that the payment ( s ) still remain " ON-HOLD/Pending here while you make the refund of the new payment of {$100.00} USD through XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Gift card options after which we shall then credit your account with total payments of {$3500.00} USD Note the buyer 's account has now been suspended. So you are allowed to send the refund through the XXXX, XXXX, XXXX pay or Gift card option so that we can credit your account with the total pending of {$3500.00} USD. NOTE : Funds deducted from the buyer 's account is not returnable to the buyer 's account. So you are in total control of the funds once we credit it. We await your swift response which should include the details of the refund. Thanks for choosing XXXX and we are looking forward to serve all our valuable customers better. Thank you for using XXXX! The XXXX Team This emailed really shocked me and sent them {$2000.00} through XXXX and the phone number is XXXX in the name XXXX. I tried contacting them after I realized that I was scammed but I never got my money back. I reported it to my bank ( USBANK ) but they said that it was my fault on my part. In short, I never got my money back. | ||||||
| 07/13/2021 | Yes |
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| I have had several issues with US Bank. This will be my second complaint. I called on XX/XX/2021 to remove my less than comparable flexmodification. They mislead me for 3 months with a lower interest rate and then told me my XXXX ratio was not where they prefer. Mind you they have all my loan numbers so I have not idea why they are offering the assistance they can not faciliate. I followed up with the bank on XX/XX/2021 they expressed that the removal of the modification I requested on XX/XX/2021 was not filed correectly. I asked them to remove it AGAIN. I called back on XX/XX/2021 and was told that the removal was still not filed. They continue to tell me to call back the following week every week. This has been ongoing since XX/XX/2021. I followed up again on XX/XX/2021 and was told AGAIN that the bank would not be able to allow me to start making my payments. I have been trying to make my payments again since XXXX. I am so frustrated and the bank refuses to help me. I continue to receive apology letters, yet no one will get my mortgage straightened out. The bank has lied to me and misfiled or NOT filed my paperwork on so many occasions that I feel this is malicious and intended to drag out my HIGH-interest rates!!! I could have already been through the " hardship '' plan which would be a three-month agreement I would have completed by now. US BANK is being nefarious and they are doing this on purpose. I have had a multitude of managers say they would call me or help me and no one will call me back. It is now XX/XX/2021 so it has been five months since I started calling the bank trying to find the best solution to begin PAYING MY MORTGAGE AGAIN. They refuse to do their jobs and process my paperwork. I have requests four times to have the modification they lied to me about and try to shove the same high-interest rate at me after telling me on two separate occasions I prequalified for 3 % interest rates. I have begged to go back to making my regular payments now that I am back to work but the bank refuses to do so. I made a good faith payment back in XXXX at the modification amount but they refused to properly apply for the money. Then in my last complaint, they indicated the money would be used to help lower my payments. Yet, they mailed that check back to me and it also means they did not modify my loan they used a payment I made in good faith for the new payment amount to lower future payments and call it a flex modification. I appealed the modification. I asked numerous times to remove the modification. I DO NOT APPROVE. THIS BANK CONTINUES TO NOT ALLOW ME TO MAKE PAYMENTS BECAUSE THEY WILL NOT PROCESS MY PAPERWORK. THIS HAS BEEN SINCE XX/XX/2021. I am beside myself with stress and anger! WHO CAN HELP ME?????????????????? See previous apology letter and still no resolution on the bank 's part. As you can see I keep trying to get this resolves. | ||||||
| 08/04/2020 | Yes |
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| Hello CFPB - I am having an issue with US Bank regarding my checking account I hope you can help me rectify. The issue I am having has to do with several overdraft fees of {$36.00} a piece which US Bank has charged me even though my account has seamlessly stayed in a positive standing. There is a total of 4 fees at {$36.00} a piece that I am concerned of and I contacted the bank manager of US Bank ( XXXX XXXX ) on XXXX XXXX in XXXX Arizona In regards to this matter on XX/XX/2020. I explained to him how my online banking shows proof of my account never falling into delinquent status and that I dont see how I should have been charged these fees. 3 of the fees in question were charged to my account on XX/XX/2020 because manager states the 3 charges prior to that made my account fall into a negative status. The 4th fee in question was charged on 5/6/2020 because the charge before that allegedly made my account fall Into negative status. I informed the manager that my online banking account does not indicate what he is saying is true. My online account shows my balance before and after the charges In question and that my account was always in good standing. XXXX asked me if I could screen shot my online banking account statement and email it to him and that is what I did. He looked at my checking account statement from my online banking I sent him and he told me that there were discrepancies from what my online banking account balances were showing and the balances that US Bank had on their end. I asked him how could that be possible? He told me he was not sure and he would look into the matter and get back to me the following day. The next day XX/XX/2020 around XXXX XXXX I had not heard back from XXXX so I decided to give him a call. When he called me back shortly after that he aggressively told me that what my online account balance states is basically irrelevant and their statements Indicate I went overdrawn on my account and all the fees will stand. I really hope you can help me get through this situation with US Bank please. I feel like I am being take advantage of and i am a victim of fraud. I am happy to provide me online statements for you and anything else you might need so you can see what is being done. If what US Bank shows on their end indicates my account fell Into a negative status then this means that US Bank is showing me a faulty balance and keeping a different balance only they can see behind the scenes which would allow me to unknowingly fall into negative status while allowing me to think I am in a positive status. Either situation that is happening is fraudulent and they should not be able to manipulate money out of customers like this, especially In a stressful time which is what we are going through right now. Thank you for taking time to hear my problem and I hope to hear back from you soon. Please let me know any documents I can provide you. Regards, | ||||||
| 11/27/2016 | Yes |
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| I have a FIDELITY REWARDS SIGNATURE VISA through Fidelity XXXX XXXX. My credit card number was stolen and used to make XXXX unauthorized purchases on online at XXXX XXXX. I noticed this on XXXX/XXXX/16 when I saw the charges " pending '' on my online account at Fidelity. I reported this by telephone to my credit card company on XXXX/XXXX/16. ( My credit card is through Elan Financial Services. Elan Financial Services is affiliated with Fidelity XXXX XXXX. The " rewards '' on the Visa card are reimbursed to my Fidelity account. My credit card was appropriately cancelled by Elan / Fidelity and a new one was issued immediately. I was told the charges would be reversed. When I checked online a few days later, I noticed the charges were not reversed and, instead, had posted to my account. So I called to ask why. I was told that a fraud investigator was working on my case and that I would receive an affidavit in the mail to sign and confirm the charges were fraudulent. Until then, the fraudulent charges would remain on my account. On XXXX/XXXX/16, I received a letter ( dated XXXX/XXXX/16 ) stating that my fraud case ( # XXXX ) was closed, because " the transaction ( s ) has neither posted nor been deducted from your account. As a result of the transaction ( s ) not posting to your account, we are closing our investigation and you will not be receiving affidavits to complete and return as there is no further action to be taken. '' I looked online at Fidelity.com and found the charges still showed as posted to my credit card account. I called and, after multiple representatives, and asking for a manager, a manager in the billing department ( " XXXX '' ) got on the phone. He put me on hold for a while and came back saying he had talked to the fraud department. He said that a fraud investigator had not yet been assigned and that the letter I received was " computer generated, because nothing had happened on my case. '' Made no sense to me, but I told him I was assured two weeks ago someone had been assigned. He could not explain that, but did say that a fraud investigator was going to be assigned. Feeling suspicious now, I asked to be connected to the fraud department so I can confirm this new story. XXXX says that I wo n't get the same person, so I wo n't get the same story. Makes no sense. But I finally get a hold of the fraud department and am now I 'm told that an investigator HAS been assigned since XXXX/XXXX/16. The problem is that I have a letter stating that my case is closed and that the charges I denied having authorized have not been posted, but the charges ARE still posted. And I 've now been told XXXX different stories by, I 'm certain, well meaning people. But Fidelity Financial Services / Elan Financial Services have me in limbo. I file my fraud case, they " investigate '' and tell me the charges have n't posted, and my case is closed. But the charges ARE posted. | ||||||
| 03/22/2023 | Yes |
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| This not my first time reporting US BANK to you, I reported them when they refused to accept payments from the HAF program via housing. After my housing assistance stopped I was still sick from XXXX I was already dealing with a hardship from a XXXX XXXX XXXXXXXX. Which I had to go in to forbearance in XXXX after I ran out of money. US BANK is not a bank that helps customers when they are having payment problems. I have a long time hardship at the moment so I called Us Bank in XXXX due to the continuance of my hardship they put me on a 3 month forbearance plan which was set to end on XX/XX/XXXX. I did some research and I went to Fannie Mae 's website to see what other options and help was available .... I read about the flex modification/ hardship modification the I emailed customer support to tell them about the previous problems and my current situation with US Bank around XXXX. A representative did not contact me till about 2 weeks later, She called me and I missed her so she left a message her name was XXXX, I returned her call but i believe she had left her office so I left a message. When we finally got a chance to talk she told me that I should apply for a long term hardship modification and I need to hurry up and send the application in before XXXXshe said I can see that's when your forbearance ends. She told me where I could locate the documents so I went online found them printed them out and filled it out. US Bank told me I had to call them again to extend the forbearance but I learned my lesson last time, I faxed the modification application about a week or so later they sent my a notice in the in their banking website. When I read it I called them up, I told them what do you mean by is my hardship over? I would not have sent the application if I did not have a hardship, the representative told me they could only help me if my hardship was over. I told her that is not what XXXX told me she said let me educate you on how the modification works. I told her I already read how it works and talked to a representative from Fannie Mae. I also told her during my search that I read US Bank doesn't offer real help to the customers when they need mortgage help. She said, " That's not true. '' I started to tell her I had to report this bank to the FCC for not wanting to accept my mortgage assistance payments, but I was mad at this point I told her I should at least have a trail period then I hung up. Us bank has decided not to contact me about extending the forbreance instead they reported a default on my credit report. I wonder if my race place a part of how they treat me? When I paid the XXXX dollars to catch up with the last forbearance I had with them soon as my account was current they hurried up and put delinquent on my credit file making my credit score plunge. This bank is just like all the rest HORRIBLE I do not have any other account with them because of that fact. | ||||||
| 01/21/2017 | Yes |
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| My fiance and I both have our own personal checking accounts with US Bank. They have extremely malicious overdraft fee policies, and terrible communication regarding this ( close to none ). If I overdraft I get charged instantly {$36.00}, but I would not receive notice for about 7 days ( letter in the mail ). Their policy also adds a {$25.00} additional fee if your account balance is not {$0.00} or greater after 7 days. Well, if I do n't receive notice of the fee for 7-days and only by mail, one of the least efficient ways to get information to someone, how am I supposed to know to pay it? So technically I get charged {$61.00} for any size overdraft. In today 's world nearly every business ( if not literally every business ) communicates instantly with their customers and already have this capability in place. US Bank has this capability in place. They have paperless statements, they have opt-in email capabilities, they have opt-in text messaging alerts/email alerts, YET they deliver notice of an overdraft by physical mail that does not reach my mailbox until 7-days after I overdraft. Mind you, this letter that is being mailed comes from XXXX miles down the road and it takes 7-days? What I mean by this, is that the letter is definitely pre-dated for the overdraft date in question, and is mailed out as though they sent it the day the overdraft fee occurred, FALSE. It does not take 7-days to receive a letter from XXXX miles away using USPS, I receive letters, cards, and physical packages from this very location all the time, using standard shipping options. I understand that a fee is just that a fee and that they can charge what they want for my irresponsibility, but what is that fee set at and why? Let 's say they would have made 10 % through loans, interest, investments, whatever it is that banks are thought to be doing to make money, lets say they could have made 10 %. I would have to overdraft {$610.00} at once for this policy to actually start being fair. I would say a lot of consumer accounts rarely exceed {$610.00} in total balance. My point is : Their practices are intentionally set up to make money from consumers through fees, NOT through issuing loans, etc. They realize they make more money if they purposely lack communication. They forgo using systems already in place that many other banks issuing credit cards currently use, INCLUDING THEM. Most would say, " Switch banks then. '' Alright I will, but US Bank is an extremely prevalent bank with a branch in nearly every US city, they have something that very few banks have. This gives consumers at least a reason to always look to US Bank as an option, especially small town adolescents turning into adults. US Bank will always exist along with their preying fee policies, and neglect to communicate with their customers, simply because of their stranglehold on a certain segment of the market. It is simply not right. | ||||||
| 04/24/2017 | Yes |
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| On XXXX XXXX XXXX I called US Bank regarding a letter they sent me that my mortgage was going to mature in XXXX XXXX and that I had to pay in full the remaining balance or refinance. I called to discuss my options on refinancing the home. After a discussion on loan balance on my primary and secondary and home value, it was told to me that I did not qualify to refinance. I then asked what my options were if the loan matured and what would happen. The representative said she could not help as she only handled refinances and would need to transfer me to Customer Service. I spoke to the Customer Service representative and she then said she could not handle and would need to transfer me to a loa n specialist. After reviewing my situation with the specialist she could not help me and said that my only option was to speak to the loan modification specialist. I then spoke to the loan modification specialist and she explained that i would need t o apply for the loan modification and depending on my case it may or may not be approved. She advised me to wait until my loan matures which is 1 year away. I told her I did not want to wait as I wanted to work with the bank to get this resolved now and discuss my options. I could not qualify for the refinance because my house would not appraise at the value to meet a 90 % loan to value threshold. She indicated that the loan modification application would be mailed to me. She said it would take XXXX days to bet processed but did warn me that if I accepted the modification that it would impact m y credit score. What surprises me is that I have been a customer for 20 years wit h US Bank and h ave been in good standings throughout that timeframe. I am calling to try to work with the bank to arrange a solution and they have nothing to offer. She indicated that when it matures I would go in to collections for the full amount which in turn would impact my credit. I asked that she check with a superior as I clearly did not fall in to the normal criteria for modifications and not sure I need a modification but it appears no one I spoke to had any solutions or support. US Bank has a long standing customer with excellent credit ( 800+ score ) and they have no other solution than to tell me to wait and/or apply for a modification ( which most likely I would not qualify for ). In the meantime I will submit for the modification to see what the formal outcome is but it seems inappropriate that a good customer would have to negatively impact their credit score. I am proactively trying to resolve my situation and it appears that the bank is giving me no options. The customer service I received is terrible but It appears that if I had been in a defaulting status and not fulfilling my responsibilities that I might have some options. Its unfortunate, that I could not get someone to work with me to a positive result for both of us. | ||||||
| 01/04/2017 | Yes |
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| In XX/XX/XXXX, my wife and I purchased XXXX XXXX XXXX at in XXXX Ca, and I worked with XXXX from US Bank to obtain a lot loan. XXXX with XXXX XXXX XXXX performed the appraisal of my property for U.S. Bank. After the appraisal results were obtained I disagreed with XXXX findings and expressed my feelings to XXXX and US Bank via telephone. I told XXXX with US Bank that I did n't want to conduct business with XXXX or XXXX XXXX XXXX in the future. XXXX said XXXX would not be conducting future appraisals on my property. In the beginning of XX/XX/XXXX I applied for a new construction loan from US Bank for my property. I provided the new construction documents and building plans to US Bank and once again my documents and lot were appraised by XXXX XXXX against my wishes. I submitted a complaint to US Bank representative XXXX XXXX advising that I had a conflict with using XXXX XXXX as an XXXX and did not agree with his conclusion. My complaint was never resolved and US Bank proceeded with XXXX XXXX 's appraisal. On or about XX/XX/XXXX, I worked with US Bank to consolidate my new construction and lot loan for my property. Once again my property was submitted to be appraised by XXXX XXXX against my wishes. I spoke to XXXX and XXXX with US Bank on the telephone and via email to reiterate my disappointment with them using XXXX XXXX for my appraisal. I specifically told them that there was a conflict with using XXXX as an XXXX because I was already disputing the last appraisal that XXXX XXXX submitted. Initially XXXX said he would have another company conduct the appraisal and suggested that I work with XXXX of US Bank to resolve my appraisal dispute. I explain my dispute with XXXX and he stated that he spoke XXXX about my conflict and also agreed to have another company perform my appraisal. After several weeks of working with XXXX and XXXX they both later recanted their statements saying they were not allowed to move forward with another appraisal company. XX/XX/XXXX, I worked with XXXX to apply for a home equity line of credit with US Bank. On XXXX I received a call from a representative from XXXX XXXX XXXX, asking, " When would it be a good time to have XXXX appraise your residence ''. I stated to the representative that I did not require their services. Once again I contacted XXXX and told him that that XXXX was recommended by US Bank to appraise my residence. I told XXXX that I was submitting a formal complaint and XXXX asked me to send him an email and he would resolve this issue and have another company complete the appraisal. XXXX subsequently scheduled another company which is now scheduled to complete the appraisal XX/XX/XXXX Please explain how XXXX XXXX can legally get the business to appraise the same property XXXX times in a XXXX year period? Please explain why this is not a conflict of interest. So much for a " XXXX pick of appraisers '' from banking industries. | ||||||
| 06/26/2023 | Yes |
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| Subject : Request for Assistance with Car Payment Due to Total Loss Loan Account Number : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention the current financial difficulties I am facing in making my car payment. I kindly request your understanding and assistance during this challenging time. On XX/XX/2023, my vehicle, financed through US Bank, was involved in a significant accident resulting in a total loss ( flooded ). I have since filed a claim with my insurance company, and they are currently evaluating the extent of the damage to determine the fair cash value of the vehicle. While the insurance company is actively working on my claim, I find myself in a situation where I am unable to make my car payment as scheduled. The financial burden caused by the loss of my vehicle and the associated expenses has temporarily strained my budget. I understand the importance of meeting my financial obligations and maintaining a good payment history. However, the circumstances surrounding the accident have placed me in a position where I am unable to fulfill my payment responsibility until the insurance company settles the claim and provides the cash value of the vehicle. I kindly request your cooperation and support in extending some flexibility with regards to my car payment. I am committed to resolving this situation as soon as the insurance company makes the payment, and I am back on track financially. I assure you that I will work diligently to bring my payments up to date promptly. I value my relationship with US Bank and the trust you have placed in me as a responsible borrower. I have always maintained a good payment record, and I believe this situation is an unfortunate and temporary setback that I am working diligently to overcome. If there are any alternative payment arrangements or solutions that XXXX Bank can provide during this difficult period, I would greatly appreciate your consideration. Any assistance you can offer will not only alleviate the immediate financial burden but also ensure that I continue to fulfill my financial obligations to US Bank in the long term. I would be grateful for the opportunity to discuss this matter further or provide any additional information or documentation required to process my request. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. I am available at your convenience to address any concerns or answer any questions you may have. Thank you for your understanding, support, and consideration in this matter. I have confidence in US Bank 's commitment to customer service and trust that you will take my current circumstances into account while considering my request. I look forward to a positive resolution that allows me to maintain my financial responsibilities and continue my positive relationship with US Bank. Yours sincerely, XXXX XXXX | ||||||
| 04/24/2023 | Yes |
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| What Happened and What We Have Done : On XXXX XXXX, 2023 my husband received an email from XXXX confirming a reservation ( booking number XXXX ) at XXXX XXXX XXXX for XX/XX/XXXX and XXXX, 2023. We saw the email on XX/XX/XXXX. We did not make this reservation so notified XXXX of the fraudulent {$410.00} charge on XX/XX/XXXX. XXXX issued a provisional credit of {$410.00}, closed the account, and issued a new credit card. We are in possession of our credit cards but the reservation was made using our credit card number. The street address and postal code were NOT provided to XXXX at the time of the reservation. I keep all paper and digital receipts and reconcile them to our credit card statement. When reconciling I became aware of a XXXX credit on XX/XX/XXXX in the amount of {$200.00} thus I expected XXXX to be refunded for the {$200.00}. In XXXX I called XXXX XXXX and was told that the reservation was a no show thus explaining the {$200.00} credit. In late XXXX, I received a letter from XXXX XXXX dated XXXX23 stating that the XXXX transaction was authorized and you received benefit from the transaction, thus the {$410.00} was added back to our account and the case was closed. I was extremely upset by this incorrect decision and have now been charged {$200.00} for a reservation which we did not make. In early XXXX, I was able to talk with XXXX XXXX, XXXX XXXX case officer ( XXXX ). She said that she was responsible for making the decision that this was a valid transaction. She said she would talk with her supervisor and promised to call me back. I called two more times, left a message requesting a call back. To date I have not heard from her. I then called XXXX XXXX XXXX at XXXX and worked with XXXX XXXX ( XXXX ). XXXX was very helpful. She requested I fax a copy of the XXXX receipt which I did. I asked her to send me the XXXX XXXX XXXX information in my file which she mailed to me. I then called XXXX to try to get this corrected and was told that the booking confirmation number on my receipt was not in their records. I was also told that I could not make a reservation thru XXXX without providing my postal code. I last spoke with XXXX XXXX On XX/XX/XXXX. She was sending my information to XXXX XXXX and requested I receive a call back. No call back has been received to date. Under XXXX XXXX XXXX in the XXXX Documentation it is noted that the billing address and postal code were not provided by whomever made the reservation. The billing address/ postal code is part of the proof of who you are and the validity of ownership of the card. The absence of this information should have been a red flag that the reservation was not made by us. The disputed amount should have been {$200.00} and should have been refunded to the merchant. Had XXXX charged our account {$200.00} then the case would have been correctly closed. Instead she charged our account the full {$410.00}. | ||||||
| 10/12/2022 | Yes |
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| On XX/XX/XXXX I deposited a check of {$5300.00} issued by XXXX for a vehicle I trade in/ sold to them. US bank did not honor not even the {$220.00} and they hold all the funds. I spoke to different agents asking why they were not honoring the funds as it showed on my account the check as deposited and not pending. They couldn't respond to me. I asked multiple times I needed a reason of why they will hold the funds and make an exception with me and not honor any portion of the check or the {$220.00} that usually tha banks does. They said they couldn't tell. They sent me several times to the branch the branch kept saying the hold was not from their end and that US bank reps or fraud department send you to the branch when they don't want to deal with the customer or provide with true information. I explained to US Bank that I needed a valid reason as XXXX was supposed to issued the check over 2 weeks before they did and that I needed the funds asap for a family emergency. On Friday XX/XX/XXXX XXXX at fraud department with US Bank told me that XXXX was holding the funds until XX/XX/XXXX. I went to XXXX on that same Friday and they said the funds were not on hold. I went back on Monday, and XXXX said that their corporate office confirm the funds were released to US Bank on Monday XX/XX/XXXX I called US Bank again, as none of the reps returned my calls as they promised including the branch manager, and they finally admitted the funds were not hold by XXXX but for internal purposes US Bank needed to hold the funds until XX/XX/XXXX and there was nothing they could do to expedite the funds. I explained the purpose of the urge on need of those funds and the rep that assisted me today said unfortunately it is an internal decision and I won't have access to the funds until or after XX/XX/XXXX XXXX XXXX XXXX XXXX @ US Bank XX/XX/XXXX XXXX XXXX US Bank XX/XX/XXXX - No call returned XXXX @ Branch - No call returned She apologize for what her teller stated and she will reach out the Fraud department to find out the reason of the bank holding the funds and will call me back XXXX XXXX US Bank Branch The account is new and the bank needed to build trust on the firsts checks deposits and when the XXXX & XXXX numbers don't want to deal with a client or when they don't know what to say they just keep sending clients to the branch but what they told me is not true. The hold is not coming from the branch and there is nothing they can do. XXXX @ US BANK XXXX - XX/XX/XXXX XXXX is holding the funds and that is why they don't release them XXXX XXXX XXXX Ext XXXX XXXX XXXX US Bank Fraud - She apologize for the inconvenience, the XXXX from XXXX are showing processed but it takes XXXX for US Bank to release the funds to me. She doesn't know why but the release date will remain the same XX/XX/XXXX and there is nothing they can do because the hold it is already on the system XXXX XXXX XXXX Ext XXXX | ||||||
| 10/15/2019 | Yes |
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| Dear US BANK I am writing to dispute the following information that appears on my consumer report : Late payments based on fraud charge/possible intentional non contact regarding account Account Number or other information to identify account : Source of dispute information : Us Bank Type of disputed information : Late payments on unauthorized charge. Was not notified of late status. Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Charge was not authorized by me. Subscription to XXXX XXXX was cancelled and XXXX was sold. Account had to have been accessed and card was still on file. I was not contacted regarding the charge or any of the late fees. When I locked my card/filed the fraud I instantly got notification but not when the account was delinquent. Intentionally did not attempt to contact me to run the charge from $ XXXX- {$170.00}. The only way that I found out about this charge was when It hit my credit report and now they are refusing to remove the information from my report. I have had nothing but issues with this institution since XXXX. I put my paycheck into Us Banks ATM and THEIR piece of hardware malfunctioned and gave me a receipt stating my transaction could not be processed. I went into the branch and they did nothing for me, not even a provisional credit to my account so I could pay the rent that was due the following day. I had record of depositing this amount if not more every time I got paid and had the stub of the check. If I had not had friends who had money at the time, I would have been kicked out of my house to the street and US Bank did not care. After this I asked them to cancel my checking account because it pissed me off so bad. I was told I had to wait until the process was complete and my account was never cancelled like I had requested. I do not have any issues with my other financial institutions and am contacted if anything is late. My payment history is not questionable. So now this comes up in the middle of me applying for jobs that run credit checks, and here we go again with this institution. I called and even spoke to a supervisor and once again this institution does not care about the fact they are going to cost me more than the money value on the account even when I let them know I would pay for the fraudulent charges and just want the report to be fixed. Unfortunate and unsatisfactory that I have had to deal with issues multiple times when the simple solution would be to remedy the problem immediately. You can report that it was incorrect just like you reported it to the creditors, so please stop lying to me when I contact you. I left this account open because it was my oldest line of credit and now, I am kicking myself for ever doing business with US Bank. I apologize if this comes off rude and is not a personal attack to whomever is reading this. I just want it to be made right. | ||||||
| 10/03/2019 | Yes |
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| I was about to make an offer on a HUD-approved manufactured home in a land-owned community and applied for this loan with USBank because they are listed as a participating lender for a grant program, which I needed. I was approved and was in underwriting and in escrow on the first home. However, the home did not pass inspection, so I immediately canceled escrow and notified USBank about this and informed them that I was interested in another manufactured home just a few lots up in the same community. USBank drew up another application for the second home and everything was in progress, I received more " congratulations, your loan has been approved '' type phone calls, as with the first loan. I was in escrow on the second home and in the middle of underwriting, once again. I received inquiries from USBank via their secure portal, which is extremely difficult to access and use, but did my best to immediately provide what was required. The loan officer 's assistant emailed me a list of items to produce and I was ready to upload everything to the secure site, but there was no way of uploading my documents upon logging in as the site indicated the loan officer will be in contact with me. Meanwhile, the day after we had completed inspection on the property, I received a shocking phone call from the loan officer that USBank has suddenly decided to no longer finance manufactured homes! There was nothing he nor I could do, but turn to another lender. I was packing to leave town for my aunt 's memorial, but yet had to scramble until midnight to find another lender to replicate the USBank loan as escrow is due to close in less than three weeks! I have now hurt my credit score with more hard inquiries to apply with other lenders. Moreover, I will likely lose this home and fall out of escrow if I can not find a lender to offer me a loan similar to USBank 's within three weeks which I can afford and which includes the grant I really need. It is so unacceptable for a reputable bank to do this at the eleventh hour! They should have at least honored my application to closing and not cut me off in the midst of underwriting! Moreover, I was told if I opened a USBank account, I'd get 1 % back at closing, so I went through the hassle of closing out my XXXX XXXX account to switch to USBank. I spent an entire weekend updating my bills, making arrangements for payroll direct deposit to USBank, go through the hassle of rushing to the bank after work to cash my payroll check prior to the new direct deposit coming into play in two weeks, etc. The numerous effort and time I've wasted and all the trouble I'm going through is beyond words. For USBank to suddenly drop me the way they did without any notice or written notification other than an apologetic phone call from they loan officer is just unacceptable. A major bank such as USBank to do this to an individual is outright cruel and unacceptable! | ||||||
| 05/16/2016 | Yes |
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| I have a checking account at US Bank. At about XXXX. on XXXX XXXX, 2016 at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX location ), I asked for a money order for {$120.00} at the bank drive thru. I received the money order. I received an official receipt showing the account 's balance at {$300.00}. On the same day at about XXXX., I went to the grocery store and purchased {$13.00} worth of groceries.I swiped my US Bank account card, a debit card, about 4 times and each time it showed the transaction was not completed. So, I said, let me go to the US Bank branch located next to the grocery store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX XXXX location ) to see What 's goining on with my account. I was told at the XXXX XXXX location I had a negative balance of {$170.00} or {$170.00} because I had written a check for {$480.00} on my account. I stated that I did not have checks or write checks unless I came into the bank and requested over the counter blank checks and that I had not requested over the counter blank checks for about 1 year. After some investigation and questioning of me, the bank teller and assistant manager at the XXXX XXXX location solved the problem. They discovered that the bank teller at the XXXX XXXX location had cashed the person 's check behind me in the bank drive thru line on my account. The error denied me access to funds in my account. The error caused me great mental distress, harm, and trouble. Suppose I had went to a restaurant and ordered and consumed food, and I then had given the waiter my debit card to pay for my meal? Which I have done before. Or suppose I had filled my vehicle with gas and then went in to pay for the gas? Which I rountinely do. Or suppose I had went to XXXX, XXXX miles away, and purchased gas at tlhe gas station XXXX miles from town? Which I have done. All of those things I have done before with confidence that the balance in my debit card was accessible immediately for use. The error immediately caused me extreme mental distress not only for the denial of immediate funds with which to purchase food but for funds needed for future use to make medical appointments which I had the following day. Initially was told I would have to wait until the following day with would have destroyed my ability to make my medical appointments. But after further investigation by the manager and bank teller and a call to the XXXX XXXX location, the error was corrected on the spot and I returned to the grocery stor and completed my purchases. I was also able to purchase vehicle gas. I mailed a letter addressed to : US Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX, 2016. I asked for an explanation of how such an error could occur. Now I ask for any compensation owed to me as a result of the error and the harm and XXXX caused Sincerely, XXXX XXXX XXXX | ||||||
| 11/05/2023 | Yes |
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| Issue : Missing {$600.00} us bank merchant services account sign-up bonus. Earlier this year back in XX/XX/2023, I had applied for a US Bank Business checking account AND a US bank Merchant Services Account. At the time of opening these account, the business checking account offered a bonus of {$500.00} and the merchant services account offered a bonus of {$600.00}. As per the terms, both bonuses can be clubbed to make a total of {$1100.00} in bonuses. 8 months later and after having met all the requirements I have still not received the {$600.00} merchant services bonus ( I have received the {$500.00} business checking bonus ). I must mention that I have kept the account open all these months and have also been charged {$5.00} for the payment processing device. What I have done to fix this issue : - Contacted US Bank via phone : I have tried contacting us bank more than twice to resolve this issue. Even called XXXX ( Result : Both times, the representatives only transferred me to various other departments but none were able to help me get the {$600.00} bonus even though I have met all the requirements for the bonus. - Contacted a Client Account Manager at US bank via email. This is same account manager that had reached out to me for additional information at the time of account opening. Result : No response After having tried everything in my power to get this bonus and having still not received it, I am forced to file this complaint in hopes of finally getting what I was promised at the time of account opening. Bonus requirements as per the terms : Requirement # XXXX ( Status : Met the requirement ) : You must open a new U.S. Bank Business Checking account and meet the above requirements plus open a new U.S. Bank Payment Solutions MerchanXXXX account by XX/XX/2023 : Met this requirement, opened a Silver Business Checking on XX/XX/2023 and applied for a Merchant services account before XX/XX/XXXX. ) Requirement # 2 ( Status : Met the requirement ) : Accept and settle a transaction into your new U.S. Bank Business Checking account within 60 days. : Met this requirement, Accepted and settled a transaction in first week of XXXX ( XX/XX/2023 ) which is well within the timeframe. Requirement # 3 ( Status : Met the requirement ) : Not have an existing merchant services relationship with US Bank : Met this requirement as I was a new customer Note : I have submitted my merchant account number along with this complaint Attachments : - Screenshot of the offer and the terms - Proof of application submission - Proof of application approval - Proof of one payment processed for {$0.00} which should help meet the requirements of the bonus - Proof of me being charged {$5.00} for the payment processing device each month - Proof of email sent to client account manager along with date All these files have been added to a zip file which has been attached to my complaint. | ||||||
| 12/18/2023 | Yes |
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| Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX | ||||||
| 06/06/2021 | Yes |
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| A scam company called XXXX XXXX that poses as a fake online exchange run by a man named XXXX XXXX at XXXX XXXX XXXX in XXXX CT dba XXXX XXXX XXXX used their XXXX app on the XXXX XXXX XXXX ( which is registered to them excludively ) to obtain ACH and routing info for my bank, which they then used to defraud me and steal {$1800.00} out of my US bank account with unauthorized ACH charges. I notified my bank immediately ( US Bank ) who saw the theft happening and blocked the merchant ID of XXXX. However, one or more other merchant IDs with a different letter or name like " XXXX XXXX '' rather than " XXXX '' was used to try and pull more out to steal from me by ACH when they realized the other one was blocked. US bank started a new account for me to prevent XXXX aka XXXX XXXX from stealing what was left. XXXX then ( and only then ) responded to contact emails sent 2-3 months ago from XX/XX/XXXX saying he " could only send part of the money back that he took without permission if I gave him the new ACH and routing number '' which I knew he did not need to return the money because the old one was deliberately left available for deposit only by US bank and no withdrawals, and the only reason XXXX needed the new ACH was to keep stealing from it. When I refused to give him the new routing and account number, he said he could not send any part back that he stole. US Bank was able to recover {$1400.00} out of the {$1800.00} that was stolen by XXXX XXXX aka XXXX, but XXXX lied to his merchant saying {$400.00} was a valid charge when NO PART OF IT WAS VALID to get away with stealing the remaining {$400.00} from me. No service or anything was ever provided, it was just taken from my account. I am asking for your help to get that remaining {$400.00} back that he has gotten away with stealing. US Bank prematurely closed the case after only {$1400.00} of it was returned, but the amount stolen and FDIC insured was {$1800.00}. US Bank said there isn't anything they can do about the other {$400.00}, so I am asking for your help to get that returned to me. In addition to the {$1800.00} taken from my bank account which was never used for cryptocurrency and never authorized for withdrawals, XXXX XXXX aka XXXX XXXX made over {$700.00} of bitcoin sent to them " disappear '' and claimed it was an " AI system error '' and could not be recovered, putting what they had tried to steal from me at over {$2500.00} and thus far, what they got away with stealing is {$1100.00}, {$700.00} of which is alt currency and outside of FDIC protection, while {$400.00} in unauthorized ach is FDIC insured and needs to be returned immediately. Part of this money XXXX has stolen was from money sent by the IRS to me, making what XXXX XXXX has done a federal crime. Please help to return the {$400.00} remaining that XXXX has stolen, be it by intervention with US Bank or by other legal means. Thank you. | ||||||
| 08/24/2019 | Yes |
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| On XX/XX/XXXX, I deposited a second check from my husband 's job for {$330.00} through the XXXX XXXX Mobile Deposit on the app. This was on a Saturday so my husband and I understood that the funds might not be available until the next business day, which was on XX/XX/XXXX. When the funds didn't come we thought there was a hold on the check since it happened to our first check we deposited through the ATM two weeks prior. Our account is fairly new, however no one verbally told us that all the checks we were going to deposit was going to be put on hold since it was a new account. I have a chase account and I have never had a problem with the account regarding depositing and receiving funds. I contacted the customer service number on XX/XX/XXXX and they told me that the funds were not going to be available until XX/XX/XXXX. I called again on XX/XX/XXXX asking what I could do since it was inconvenient for us to not have those funds. They explained that the funds were placed on hold until XX/XX/XXXX. I had another issues with an account overdraft because I couldn't deposit another check from my husband 's work since I had hit the mobile deposit limit. We didn't want to put in another check that was for {$440.00}, in fear that they would put the check on hold so we deposited it through XXXX XXXX and I went to XXXX XXXX on XX/XX/XXXX to clear those overdraft fees. On XX/XX/XXXX, I called the customer service number and tried to understand what I could do as a customer who needs their funds and they directed me to the bank manager. I talked to her ( XXXX ) and she said that I had to contact the company that gave us the check to see if it was cleared on their end. So I contacted the company that we received the check from and sent her an email with the statement. I called back to confirm that the email was sent and she said yes and that she would send it to Fraud management. I asked if I could contact them to let them know the situation and try to clear the check but she simply said no and that it would take until Saturday or maybe Monday for the check to clear. On XX/XX/XXXX, I called the customer service number in attempt to talk to someone about the status of the check hold and they directed me to the fraud department. The person on the phone stated that I got directed to the wrong number and that all holds on checks were with Risk Management, and that I couldn't contact them since only bank managers could. She apologized that I was told the wrong information and said that there is nothing they could do or I could do and that if my bank manager couldn't do anything then neither can anyone else in the company. She told me that I have been given the wrong information from both my bank manager and the customer service number. It's Saturday and my husband and I both need the funds since we are not in our area for the weekend and planned on using those funds for necessities. | ||||||
| 03/26/2021 | Yes |
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| I am writing to ask you to institute litigation against US Bank to force them to stop engaging in a deceptive practice, which enriches them and defrauds numerous consumers. US Bank CSRs ( Customer Service Representatives ) are trained to tell customers that they can buy gift cards using the XXXX Altitude card, without fear of having their accounts shut down or other adverse actions. In fact, this advice is not true. US Bank shut down my account for that reason, and, according to media reports, their officials freely admit that it is their policy to shut down accounts fo this reason. By training CSRs to tell consumers that there is no problem, US Bank acquires more market share, by closing the accounts, they avoid making large payments on gift card purchases at XXXX XXXX stores using XXXX XXXX and other similar wallets. Such payments get XXXX % back, redeemable for travel at XXXX XXXX %. I understand large companies move slowly, so I have given US Bank several years to correct this fraudulent practice. However, they have not. The following are tape recorded conversations where US Bank trained CSRs told me that there is no risk at all of an account shutdown for buying very large amounts of gift cards : XX/XX/XXXX XXXX XXXX XXXX XXXX call center ( sp? ) " altitude cards will absolutely not be closed due to buying gift cards '' XXXX XXXX XXXX XXXX de XXXX XXXX if you buy several thousand in Gift Cards, your XXXX Altitude will absolutely not be closed '' XX/XX/XXXX XXXX XXXX XXXX absolutelyutely sure Altitude card will not be closed for buying large amounts of gift cards '' There are several others which I did not take notes on, but where the message was the same. But, don't take my word for it, call any CSR and see if they tell you the same thing. I reported this problem to several US Bank representatives one several years. No corrective action was taken, which is ironic for a bank whose ads prominently feature them being named one of the world 's most ethical banks. One of the representatives I reported this to was XXXX, at XXXX XXXX XXXX XXXX. I believe a fair resolution of this would be for US Bank to offer to reopen all XXXX cards cards closed for buying large amounts ts of gift cards, and to document to the CFPB that they have instituted a training program to avoid their CSRs misinforming consumers in the future. The issue is not whether US Bank has a right to close any card for any reason ( which they do ), the issue is whether they are4 allowed by the CFPB to profit from training employees to give an attractive but untrue message to consumers. I am going to hold off on contacting a lawyer to pursue a class action, until I see if the CFPB chooses to allow US Bank to continue with this deceptive practice. Please feel free to contact me for further information, including the specifics of my closed account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/28/2023 | Yes |
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Web | Servicemember |
| I am writing you to file another complaint against US Bank. I have been trying to get Loss Mitigation assistance since I was layoff back in XX/XX/XXXX. I have faxed, mailed and emailed 7 packages, the only package that had almost successfully made it to underwriting department was the 7th package. However, other the last several weeks I had personally spoken with XXXX XXXX Relationship Manager, XXXX XXXX Supervisor Manager is Loss Mitigation Department, XXXX, XXXX, XXXX and XXXX all in the same department as well. On XX/XX/XXXX I spoke with XXXX, and she confirm that by Loss Mitigation loan file was with XXXX and that something was off with this underwriter because he had a complete package to approved but hasnt review my loan since XX/XX/XXXX which didnt make any sense to either of us. XXXX was unsuccessful in reaching this underwriter or her current manager they were both showing out of the office on Messager. So XXXX, left an email for both underwriter and her manager in Loss Mitigation Department to follow up with her tonight before she left. XXXX confirms that underwriter had all required documents from me ( borrower ) after 2 1/2 hours verifying documentation and with no response from anyone in her Loss Mitigation department, we finish our conversation and hang up. I was to follow up the next day, so I did today XX/XX/XXXX and thats when things went from bad to worst with US Bank all over again. I spoke with XXXX ( hope I am spelling her name correctly ) : ( XXXX was relationship manager per my conversation with her tonight. XXXX gave me the horrible news that my document Homeowner insurance policy was missing so the underwriter closed out my request for assistance, however homeowner insurance policy was received per email confirmation with 3 US Bank employees on XXXX & XXXX of XXXX, and with XXXX on XX/XX/XXXX that afternoon call I mention earlier in my letter above. It seems that US Bank is intentionally deleting documents uploaded from borrowers like me, it can not be coincidence that all my prior loan packages ( 7 packages in total ) so how ended up missing from my loan file, US Bank Loss Mitigation department is obviously deleting loan files from borrowers for assistance. I demand that Federal Office of the comptroller of the Currency review this complaint effectively and take the appropriate action against US Bank for corruption. US Bank provides terrible customer service for their borrowers this includes me. Any help that you can provide for me with regards to my HELOC # XXXX, need loss mitigation options for my HELOC unable to continue making payment, no savings left and need help. I have been layoff and unemployment end this year XXXX. I have no late payments at this time with my US HELOC account. I also, have supporting documentation that provides proof that US Bank is deleting documentation and emails from their customers. Sincerely XXXX XXXX | ||||||
| 11/17/2022 | Yes |
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| My original complaint included two pre-paid XXXX gift cards. I filed a complaint with the CFPB, complaint number XXXX. I was contacted by US Bank prepaid services at the end of XX/XX/XXXX regarding the two pre-paid XXXX gift cards. The first complaint was completed and they sent me a new gift card based on their review, the second gift card required further information, so I sent them the additional information via their email provided and they informed me that it would take additional steps to complete their investigation. In the meantime the CFPB closed the original complaint and now US Bank prepaid department will not respond to my phone calls or emails regarding the second pre-paid XXXX gift card. This is in reference to the {$100.00} pre-paid gift card with card number XXXX XXXX XXXX XXXX. I sent via email the representative XXXX who was assigned to my file the pictures of the original gift card and my government issued drivers license for them to re-register the card to me as it was assigned to another name and address. I would like US Bank to finalize their investigation on the second pre-paid gift card as I believe it has fallen through the cracks on their side and I have attempted to email and call to follow up with out any response. My original complaint for the pre-paid gift cards can be found below. We received two pre-paid XXXX debit cards for XXXX XXXX and both of them have no money on them. These prepaid XXXX debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} prepaid XXXX XXXX XXXXd. I have tried the card several times and tried to see the card balance on XXXX as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX. | ||||||
| 11/09/2023 | Yes |
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| I received two different prepaid gift cards ( {$100.00} each for a total of {$200.00} ) as wedding gifts. These were both issued by US Bank. The cards were purchased by two different people at two different stores at different times. To date, I've not been able to use either card successfully due to what US Bank says are fraudulent transactions. Gift Card # 1 -- I have not been able to activate or use this card at all. When I called US Bank, I was told that the card was deactivated in XX/XX/XXXX because of fraudulent activity. This makes no sense because the card was purchased in XX/XX/XXXX. My friend even sent me the receipt to confirm the purchase date and amount. How can a card purchased in XX/XX/XXXX be deactivated because of fraud that supposedly happened 11 months ago? US Bank refused to issue a new card or reactivate the existing card. The store where it was purchased will also not help, saying that it's US Bank 's problem. This is {$100.00} completely lost. Gift Card # 2 -- I successfully made one purchase from XXXX for {$45.00} on XXXX XXXX. I tried to use the card again on XXXX XXXX, and the transaction was denied. I tried again on XXXX XXXX and the transaction was denied. I called US Bank and was told there was a XXXX balance because the remaining {$55.00} was used at a XXXX XXXX store in Virginia. I live in XXXX XXXX. How is that possible? The card has not been out of my possession and has been used only once at XXXX. US Bank said that they would " investigate '' and replace the balance ( for a {$5.00} fee ) if I FAX information and a copy of my ID to them. Given that this is XXXX, I don't have access to a fax machine. They also said that I could submit the information online, but when I try, I only get error messages from their website. I will also note that both cards came completely sealed in cardboard holders. No numbers or barcodes were exposed to indicate there was any tampering. I find this entire situation highly suspicious to the degree it might even be an internal theft ring. How are brand new cards being subject to this much fraud? Is someone at US Bank waiting to see what cards are activated and then stealing the numbers? Why is US Bank insisting on faxes as their primary form of communication to " fix '' the problem? Why would they charge me a {$5.00} fee to fix their own issue? Why does the website not work when I try to file a fraud dispute? This whole thing is crazy and reeks of a scam. These prepaid gift cards are the kind that are often sold in XXXX areas, which may explain the lack of attention and customer service from US Bank. Many times, consumers of these cards lack the knowledge of how to deal with the system and get their money back, which means more profit for US Bank at the expense of XXXX communities. In my case, I've been able to use less than 25 % of the balances that I'm rightfully owed. It's shameful! | ||||||
| 06/09/2022 | Yes |
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| On XX/XX/XXXX, I logged into my US Bank account to see where i was with my balance, etc. and because I usually pay by phone, to see what had cleared my account. I noticed a strange withdrawal of {$1900.00} on XX/XX/XXXX. I knew I hadn't made any payments in that amount, and I became worried that I had been hacked. I scrolled back to the previous month and to my shock, there was another withdrawal of {$2900.00} on XX/XX/XXXX to a person named XXXX XXXX, again knowing I had not made any payment in that amount, either. I don't know anyone named XXXX XXXX!! I noticed that the address on the front of the check ( it was NOT one of my personal checks, btw but rather some kind of typed up check that in the Memo section of the check it says " Allowance '' and it shows on the bottom right hand corner " signature on file '' ) was on the made payable to the order of XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, yet, it was signed by this XXXX XXXX and deposited in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an account number of XXXX, and a phone number for their " Operations Department '' of XXXX, I immediately called US Bank and they referred me to their " Fraud Liaison Center. '' at XXXX and they established case # XXXX. I was told I had to go into the branch office near my home and fill out two affadavits and a customer statement, which I did the next day. I filled out all the paperwork and was told to email them to XXXX, which I did upon leaving the bank. I was also told that it was my responsibility to call back to check with them on the status and that it would be resolved with 7 to 10 business days. I did indeed call back and have called back multiple times to check on this and no one could give me any answers. Then I received a letter from the US Bank Digital Claim Services saying that my claim XXXX ( {$1900.00} ) and claim XXXX, they stated " during our investigation, we determined the transaction posted as requested, therefore your claim has been denied. I don't know how they " determined '' that- they provided no explanation of how it was determined, only that I had the right to requests the documents used in their investigation, and to call XXXX to get copies of those documents. I called the number and was put on hold for 15 minutes, at which time I was disconnected, without ever talking to anyone. As you can imagine, this whole process has been devastating, shocking, frustrating. I need that money for bills and my son 's tuition! I've been banking with US Bank for over a decade and have never had anything like this happen before. How can they jus deny me the money that was rightfully mine, that I in good faith entrusted in their care??? Please help me. I'm still in disbelief that they can treat a loyal customer this way and that I have to just accept that someone hacked nearly {$5000.00} from me and they do nothing??!! | ||||||
| 01/27/2021 | Yes |
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| An attorney by the name of XXXX XXXX sent my bank ( US BANK ) a Non same day cashiers check request XXXX gen ledger # XXXX cost center # XXXX for parcel # XXXX on XX/XX/XXXX. ( on or about ). This was dated to be paid within a week 7 days from date of notice. This same attorney filed for Notice of satisfaction and motion to dismiss on XXXX XXXX. My property was released XX/XX/XXXX. I paid any and all debts to this person by the dates specified and this attorney sent me a letter and acknowledged my payment and said however you owe me for another 500 and something dollars. Plus fees. I communicated via email with this attorney i had paid in full by the due date and i do not owe any more. He agreed and released my property but not before filing for foreclosure and sending my bank US Bank this attempt to collect a debt and the non same day cashier check request. On XX/XX/XXXX. My bank took this money {$3600.00} out on XXXX 5 months after the request was subbmitted and it was no longer valid. They will not explain how this happened and I have spoke to the credit dept at XXXXusbank on XXXX to a XXXX who was terribly rude and unhelpful. He said " Your asking me questions I do not know the answer to ''. Then said " is there anything else i can help you with sir? '' I said " I need an answer or to speak with someone who can tell me why this happened? '' The bank did not have proper documentation feom MrXXXX XXXX XXXX to release any funds from my equity line of credit. Not my personal checking account. Not my business acct. My equity line which is now overdrawn and I owethem a XXXX $ payment immediately by XX/XX/XXXX which I do not have XXXX . This is imperative i getthis resolved.Due to XXXX XXXX not having a real phone number or address I had to contact an attorney and had to pay my attorney XXXX $ to write an email to XXXX whom then responded to my attorney promptly. My emails were disregarded up until my atty contacted him. He then email me saying that he will give me back my XXXX $ and my bank should have not given it to him. It is a dispute with my bank. He then enclosed a release of responsibility onthis matter. It states he will not be responsible for any lawsuits that arise from this and he can not be sued over this from now until forever. This includes any future lawsuits also. He is not to blame in any way. He is to blame for all of these problems I did not owe him anything in the first place. I will not sign his agreement due to the fact he has tried to steal money from me 2x already and I caught it both times. I believe he has done this to every person whom he bought a tax lein from due to the agressive paperwork he subbmitted on me. He has found loopholes from banks to pay him large sums without being detected by the bank. Proper paperwork is to be legally filed by a judgement from a judge. Please help me, before this payment is due on XXXX XXXX XXXX. | ||||||
| 02/03/2017 | Yes |
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| Dear CFPB : This was prepared as my Dispute of XXXX Bank 's Response in Case Number XXXX. The CFPB website, due to a technical glitch, will not permit the Dispute to be submitted. Consequently, I am filing a new Complaint. However, this should be consolidated with the aforementioned Case. This case pertains to the refund of tax overpayments by banks to their home mortgage customers. It is a standard practice for a homeowner with a mortgage that escrows taxes to pay real property taxes TWICE when a home is sold near the beginning of a tax year. When this happens, the taxing authority ( in my case, XXXX County, Maryland ) refunds the surplus tax payment to the homeowner. The procedure it follows for making this refund is as follows : half of the amount due is sent directly to the homeowner ; the other half is sent to the pertinent mortgage bank for repayment to its home mortgage customer. Accordingly, XXXX County made the direct payment of half the tax refund due ( {$10000.00} XXXX. It sent the other half to US Bank 's agent for tax payments and refunds, a company called XXXX. The XXXX XXXX XXXX XXXX XXXXXXXX, has advised, in writing, that the latter payment cleared XXXX XXXX, 2016. Nevertheless, after the passage of four months, the tax refund of {$10000.00} is still in US Bank 's hands. So how did US Bank respond to these allegations when made in Case number XXXX? It pointed to the payment of {$10000.00} and implied that was everything to which I was entitled. The Bank ignored the payment by XXXX County of the second half of the tax refund to its collection agent, XXXX, for repayment to me. I have furnished US Bank with written documentation from the XXXX XXXX XXXX XXXX XXXX that it directly paid me a tax refund of {$10000.00}, representing half the sum due, and that it it paid the Bank 's agent, XXXX, the remaining tax refund of {$10000.00} earmarked for me. The written documentation confirms that saif payment to US Bank 's agent cleared XXXX, XXXX, 2016. Given these representations, is n't it clear that US Bank is either engaged in intentional obfuscation with the intent to defraud, or that its banking practices are sloppy and lack adequate controls. Either way, it is not reasonable to assume that the Bank 's mishandling of the tax refund is limited to my ordeal. The stronger assumption is that US Bank 's mishandling of tax refunds, whether due to intentional conversion or inadequate internal controls, is injuring a broad swathe of its home mortgage customers. For the forgoing reasons, I respectfully request that the CFPB investigate : 1 ) US Bank 's refusal to pay the {$10000.00} tax refund sent to it by XXXX County on my behalf ; and 2 ) US Bank 's tax refund practices and procedures across the base of its home mortgage customers. Thank you for considering this Complaint and for also reading this statement in conjunction with Case number XXXX. | ||||||
| 12/06/2017 | Yes |
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Web | Older American |
| Dear CFPB On XX/XX/XXXX I went to my bank ( US Bank, located at XXXX XXXX XXXX XXXX, XXXX Illinois ) and deposited a check for {$3900.00} from a company by the name of XXXX. My husband is ill in Florida and has been there since this last big hurricane and I have been looking for work by way of the internet to get money so I can relocate. I previously went to the bank in XX/XX/XXXX and asked for a loan of {$5000.00} and they turned me down and said not at this time. Later in XX/XX/XXXX I explained to the teller that I had a job offer for an advertisement from XXXX XXXX to put a decal on my car and advertise for them because their sales were down and I would be paid {$500.00} per week. I was suppose to keep {$500.00} for my first weeks pay and send the balance of {$3900.00} to an account specialist at either XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX form XXXX XXXX had XXXX text me with an account number ( XXXX ) at XXXX XXXX XXXX because it was closest to my home address. My bank, U S Bank released the funds to me on XX/XX/XXXX without any complaint. I thought the check was good because XXXX XXXX XXXX was not extending me any credit and they cashed it right away. I do not have that kind of money in my checking or a savings account in U S Bank or any other bank. When the bank cashed the check I felt good about the job because I thought everything was legit and that it would workout for me. On Monday XX/XX/XXXX my sister and I was going to the grocery store and I called U S Bank to see what was my account balance and passed out when I was told by customer service that my account was over drawn by {$3900.00}. U S Bank blames me and have taken my pension check {$460.00} plus money from my social security check {$1900.00} and reversed the payment for my car note of {$65000.00} to XXXX XXXX XXXX. My car insurance was an automatic deduction and everything is lost. I received a letter from U S Bank on XX/XX/XXXX stating that the check would be held for seven days but the teller cased it and released me the funds on XX/XX/XXXX. I have since filed a police report case number ( XXXX - XXXX ) and have received two more checks. I hold U S Bank responsible for this mishap. I took one of the checks to the XXXX XXXX XXXX on XXXX and XXXX and right away they recognized that the check was fraudulent and said it was no good and kept it. I need U S Bank to return my funds because I have no money to live off of. My husband has been ill since XX/XX/XXXX with medications costing {$500.00} or $ 600 monthly and we live from pay check to pay check. He is XXXX years old and I an XXXX years old and we need the money back. All of this pain and suffering could have been avoided if U S Bank would have protected me as their customer. The bank tellers are suppose to be sharp enough to detect criminal acts and protect their customers unless they are part of these criminal acts. | ||||||
| 11/05/2021 | Yes |
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| On the morning of XX/XX/XXXX morning of XXXX, US bank, which is owned by the XXXX government XXXX, sent a repo guy to our home in XXXX, California, and repossessed my fishing Boat named XXXX. I purchased the boat in XX/XX/XXXX in XXXX Florida, new XXXX XXXX XXXX XXXX for $ XXXX. I was unemployed and qualified for the loan using my XXXX balance. The boat and the trailer were registered in Florida. I deposited $ XXXX and continued to make monthly payments of {$380.00} using my XXXX since and never missed a payment. As of today, I have made about 36 payments of {$380.00}. I moved to XXXX California in XX/XX/XXXX, notified US Bank about my move, asked the bank to send the lien title to California XXXX, so it could be registered in the state. The bank continued to send invoices, I continued to make payments, but the bank never sent the title to the XXXX. I obtained temporary operating permits ( attached ) from the XXXX XXXX, CA XXXX twice. Per instructions from the XXXX, I provided the document to US Bank via mail ( XXXX XXXX XXXX, XXXX, WI, XXXX ) and via fax ( receipt attached ) requesting that the lien title be sent to the XXXX. It is illegal to use the boat on federal water without registration in the state of California. The last temporary operating permits from XXXX XXXX, CA expired on XX/XX/XXXX. I could not use the boat legally in the state. The bank refused to send the title to the XXXX. Therefore the boat could not be used legally in the state of California. I missed the last three payments. During the last 3 months, the US bank called me multiple times a week ( early in the morning, late evening ) asking for payment, but refused to provide the lien to the XXXX. I have told them repeatedly that the boat can't be used legally in California without registration. I have also called them dozens of times to send the lien to XXXX so I could use the boat and go fishing. In the meantime, the Bank reported me to the credit bureau, my credit rating dropped dramatically. It told me in XXXX that I am delinquent for 180 days, the Bank will consider repossessing the boat. But the bank repossessed within 90 days ( attached video ). Since the repossession of the boat ( XX/XX/XXXX ), I have called the bank three times ( XXXX ). Twice I had about half an hour conversation and the call was recorded. I requested the bank to return the boat and the title to the XXXX, and I promised to make up the missing payments. Each time it told me that a manager or supervisor will contact me within 24 hours, but it never did. I tried to log in online ( US BANK dashboard ) to understand what really happened, but the Bank deleted my account. ( attached ). Therefore I believe the US bank has stolen the boat, personal stuff, ruined my credit rating, caused trauma to me, my family, insulted and humiliated us in public, and disturb the peace of my family and the community. | ||||||
| 10/04/2022 | Yes |
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| On XXXX XXXX, I was part of a XXXX XXXX through US Bank who refused to recognize it as a scam or refund my money. I have a police report, the scammers used fake US Bank phone numbers, and I did not know the person that the money was being transferred to. I was texted a message on XXXX XXXX from a US Bank phone number that asked if I authorized a transaction to XXXX, which I didn't. The text asked me to text yes or no. I texted no and I immediately got a phone call from a US Bank phone number. The scammer said his name and that he could see that someone had my account information and loaded it onto a XXXX XXXX phone and was using it to make purchases. He knew my bank balance, my address, phone number, etc... He then listed a bunch of transactions and asked me if I authorized them. He said he would cancel those transactions and then he asked if I transferred money through XXXX to a person named XXXX. I again said no. He then said per company policy he needed to walk me through the process of transferring the money back from XXXX so it would go back into my account. He then had me log into my XXXX account, which I haven't used in over 5 years, to go about the process of transferring money supposedly from XXXX 's account back into mine. We did three separate transactions totaling {$3500.00}. He then said it would take 24-48 hours for my account to go back to normal. After 48 hours when my account was not back to normal, I called the US Bank Fraud department and they figured out that I had been scammed. They completely shut down all of my accounts because they didn't want to get hacked further. I had no online access to anything and had to open a new account to transfer any money in all of my bank accounts ( my business account included ) into it. I then had to wait two weeks for the fraud department to do an investigation. After two weeks I called the fraud department back and was told that my claims were denied. I was then told that I should get a police report from my local police department, which I did, and have my local branch submit a claim again. I did all of this. I was quickly sent a letter saying this was a duplicate claim and it was again denied. According to CFPB, banks are supposed to treat these XXXX scams as a lost or stolen card, which US Bank did not. They acknowledged that I was scammed and I followed all of their procedures, but have no recourse. According to recent Senate hearings with other bank CEOs, these banks knowingly use XXXX even though they are very susceptible for hacking, which my account obviously was. There are also law suits against other banks for not reimbursing their customers, and there should be one against US Bank as well. I was also not treated well throughout this entire process, more like I was the criminal. This was a very sophisticated scam and I would like my {$3500.00} returned to my account. | ||||||
| 09/28/2020 | Yes |
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| I am a single mother of XXXX, things have been super tough with COVID and money is tight. On XX/XX/XXXX I deposited my paycheck through mobile deposit on my US bank app, says it would post to my account by XX/XX/XXXX. First I only deposited my check on a Saturday because I had to wait a week to get my check because the post office delayed delivering it. So I finally received it on Saturday XX/XX/XXXX, I did mobile deposit because I didnt have enough gas to drive to the bank. US bank made {$220.00} available immediately and said the rest would be available by XX/XX/XXXX. I used some of the money and on XX/XX/XXXX I checked to see if the check posted so I could pay my bills and my account showed it was negative {$210.00} and check still had not posted. I called US bank to find out why my account was negative and they told me there was a 7 day hold on the check. The customer service representative told me that only a branch manager could release the hold and I asked to be transferred to a manager and was sent to an automated system that hung up on me. I called several bank locations and no one answered the phone, I finally got a hold of someone I spoke to XXXX at the XXXX XXXX location and he told me that I would need to speak to the manager at my home branch, I told them no one answered. He said he would try to reach out to that bank manager and give me a call back. 2 hours later I received a call from XXXX at the XXXX XXXX XXXX location, I asked about why there was a hold on my paycheck my check was only {$1000.00}. He said he had no idea that the system didnt say the exact reason but said it was probably for fraud and that they needed to wait to make sure funds cleared and told me he could not remove hold. XXXX said there was hold on check until XXXX and that I would have to wait until then, this is longer than the 7 days I was originally told. Even though I was told XXXX had the power to remove hold he said he couldnt, I asked if there was anyone at US Bank that could remove the hold he said nobody could. Find the hard to believe that, a bank that has millions of customers cant release a hold off a check. I then asked about my account being negative and about the fees they will charge me for my account being negative and he told me that I would have wait until they charge the fees to my account and then he could wave 3 of fees but that was it. I just want my check released, my lights and water are going to be cut off by the end of the week. I cant wait until XXXX. It is unacceptable for my bank to hold my check for a week and a half and then turn around charge me fees for them making my account negative. I plan on suing US Bank for being unethical and holding the money of a single mother of XXXX and allowing her lights and water to be shut off after she worked 80+ to earn that money and now cant buy her daughter a gift for her birthday tomorrow. | ||||||
| 09/14/2020 | Yes |
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Web | Older American |
| Dear CFPB, I am writing today because US Bank is not processing my payments in a timely fashion or correctly. I have filed complaints in the past and US Bank gave back a little after I filled a complaint with you. I stared my loan modification with them back in XXXX. It ran on and on I complied with all their request. I finally gave up hires a lawyer and filled litigation against US Bank. Case # XXXX in XXXX XXXX County. All seem good had a demure hearing scheduled XX/XX/XXXX XXXX. My lawyer failed to show we lost the demure hearing and US Bank immediately filed a Notice of Default against me. I was done with loan mods and lawyers, so I sold some of my retirement stock to get the money together to reinstate my US Bank loan. At that same time the world was hit with COvid-19 and US Bank sent out they would offer a temporary forbearance on payment because of the pandemic. I applied for the relief. Her on comes the first problem. 1. First reinstatement figure was {$230.00} expired on XX/XX/XXXX the day I was released from the hospital 2. Second reinstatement figure was {$250000.00} Expired on XXXX XXXX at which time I ordered a demand to see why it was {$250000.00} to reinstate a loan with a balance of {$490000.00}. This is when I applied for the forbearance because of the pandemic. and I felt that would give me enough time to liquidate more assets to pay the extra {$19000.00} it had increased in 45 days. 3. Got the money together finally and then I get an even higher reinternment figure of {$270000.00} that would be good thru XXXX XXXX After going thru that and watching it increase approximately $ XXXX a month I borrowed and sold everything I could and came up with the {$270000.00}. I went to US Bank and bought a cashiers check per their instructions since they would not accept a wire. I then overnighted I to them and have included proof of the check and their receiving it. After 3 weeks of nothing from them and they are still reporting me delinquent to the credit bureaus and they still have the NOD recorded against my property. I have sat on the phone for hours with them get transferred all over XXXX and nothing. No one can tell me what my payment is or when I will receive a statement or when the NOD is going to be lifted. Then on XX/XX/XXXX I finally get a statement from USBank which I have enclosed showing I have 17 days to make an additional payment of {$280000.00} and this HELOC does not mature until XXXX. The payment for the next 6 years and 3 months should be a lot less the {$280000.00}. 1. What I am looking for is a realistic payment based on my actual balance and current rate of 3.25 % for the remaining term 2. Correct the delinquent reporting on my credit so I can refinance and get away from US Bank. 3. Remove the NOD recording against my home at XXXX XXXX XXXX XXXX XXXX Ca XXXX Feel free to call me if you have any questions XXXX | ||||||
| 10/01/2023 | Yes |
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| Then short US Bank returned the check that was good it overdrafted me. At that point it was only {$100.00} and I was going to sort it out so I went and put stop payment on everything and I turned off the card. I also contacted them and asked them to not authorize any payments on that account, they then proceeded to continue to authorize payments for as little is a XXXX or less and let me incurred {$36.00} in overdraft fees for each one no matter what I did they would not stop letting third parties withdraw funds that was not available. At that point it had balloon to nearly {$300.00} then in XXXX they arbitrarily charge me a fee. It said an analyst fee just for XXXX. Ive had the account for a year For {$280.00} just tagged it right on there. I asked for an explanation I got none they continue to let money be drawn from that account and hit me with overdraft fees and its got to be pushing probably {$1000.00} by now it was in the XXXX the last time I used it personally or authorized a payment myself. I have not use that account since XXXX. Against my wishes they continue to let it be open and when I request to close it, they say until its brought even they wont close it but they keep letting the money they know isnt there or available be withdrawn this isnt the first time that they acted in this manner. Furthermore, it was their own employees who instructed me how to proceed after the return check, and how to go about stopping payments. I did nothing that I wasnt specifically told to do by them with the promise that that would get everything sorted out and said it has only let matters get worse. They have ruined my credit temporarily, and theyve made it near impossible for me to get another checking account. I am a XXXX XXXX XXXX, and they seriously limited my ability to work online accept payments. Just is an example of how ridiculous it is they charge that {$280.00} fee slap it on there and they also overdrafted me for it and charge me another XXXX for that then turn around and a bill that had been coming out of that account sometime ago try to auto withdraw from it not that our request it just did it automatically for {$250.00} which cleared somehow and then they turned around when they realize it a week later and they return it, so if it was money coming out of their pocket, they stop the payment, but if its money coming out of my pocket or that I can be sent to collections over they have no problem with it whatsoever. I dont know how this could possibly be legal. And through all of this, I have asked them to stop all payments from that account so it could be brought to even but its now through no fault of my own been pushed to such a large sum. Theres no way that I can do anything about it until they eventually sent it to Collections and then I have to deal with it and they get to sell the debt to somebody else for XXXXXXXX XXXX on the XXXX | ||||||
| 06/04/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Elan Financial Services is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Elan Financial Services the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Elan Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Elan Financial Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 03/18/2021 | Yes |
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| In XX/XX/XXXX, we put our mortgage into a COVID forbearance plan with US Bank. In XXXX of XXXX, we contacted US Bank to find out what we needed to do to start paying our mortgage again and refinance. We were instructed that we needed to make three consecutive payments and could then apply for the refinance. We then made XXXX, XXXX, and XXXX payments. In XXXX we applied for a refinance and were told that we had to actually remove our account out of the forbearance plan and then make three payments. We lost out on the low interest rates which was very devastating. In XX/XX/XXXX, we completed a Payment Deferral Agreement with US Bank to remove our account from the forbearance plan and they confirmed it was received XX/XX/XXXX. I spoke with a Relationship XXXX from US Bank and they stated that is was being processed and would be effective XX/XX/XXXX. I called back on XX/XX/XXXX to confirm everything was processed and spoke with US Bank employee XXXX id # XXXX, at which time he stated that the account had been removed out of the payment deferral plan inadvertently. He was going to have a XXXX contact me to let me know what happened and how we correct it. I did not hear back from anyone so I called back on XX/XX/XXXX and spoke with XXXX id # XXXX, she stated that someone from the bank had made an error and removed us from the deferral plan. She stated that she would get it reversed and submitted to Underwriting for approval immediately. She stated that that process takes 72 hours and she would follow up with me by XX/XX/XXXX. I had not heard back from her so I called on XX/XX/XXXX and spoke with XXXX. She stated that it was still with Underwriting and she expected to hear from them in the next day or two. I have not heard back from her and have tried on three attempts to contact her directly with no avail. I called XX/XX/XXXX and asked to speak to a XXXX. I spoke with XXXX id # XXXX. He stated that the above information that I was given was correct but still could not tell me the status on the account. He could not confirm that we had been reinstated into deferral plan, he could not instruct me on whether or not to pay or XXXX mortgage payment, I can not seem to get anyone to tell me the status of the account. I am not sure where we stand, no one from the bank is calling me back or following up. This has been the most unprofessional and misinformed experience I have ever had. I have spent hours, upon hours on the phone with various representatives and been given different answers and lost out on a huge monthly savings on my mortgage with the refinance because of this misinformation. I just want my account back in the deferral payment plan and move on from this. This forbearance plan was intended to help people through the pandemic and this has done nothing but cause problems because of US Bank 's lack of knowledge, follow through, and professionalism. | ||||||
| 08/30/2016 | Yes |
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Web | Older American |
| On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from US Bank, XXXX, XXXX XXXX, MO XXXX notifying me for the first time that " ALERT : YOUR ACCOUNT IS SERIOUSLY OVERDUE CALL TODAY TO DISCUSS YOUR OPTIONS XXXX. '' The letter also stated that my XXXX XXXX XXXX credit card account ending with : XXXX had a balance due of {$210.00}. " This is you last chance to avoid more serious collection action. We need to hear from you today to make acceptable payment arrangements. If we do n't hear from you, it will likely result in a negative report to your credit bureau and require us to take actions necessary to collect your overdue account. '' I immediately called XXXX as directed that same day XXXX/XXXX/16 and spoke to XXXX in the Collections Department of US Bank. She told me that the balance due was actually {$2.00} and that all other charges had been reversed on XXXX/XXXX/16 and that my XXXX XXXX XXXX credit card account ending with XXXX had been closed. She told me that this originally occurred because an annual fee of {$85.00} billed in XXXX 2016 had not been paid and finance charges and interest had accrued. I explained to her that this was very upsetting to me because no bill had been mailed to me until this letter dated XXXX/XXXX/16 and no notice had ever been sent to me that all bills for this personal account would be paperless and sent only electronically on computer rather than by paper hard copy via the USPS. This seemed strange to me because my US Bank XXXX XXXX XXXX XXXX credit card account ending with : XXXX was being sent to me by paper hard copy via the USPS. She explained that she could not comment on that because the XXXX XXXX accounts were handled by another division. XXXX was very courteous and professional and then kindly transferred me to the Customer Service Department of US Bank where I spoke to XXXX. XXXX kindly reversed the {$2.00} remaining current balance due leaving the final balance of {$0.00} ( zero ) for the account ending XXXX. She apologized that this misunderstanding had occurred, and that she too could not explain or comment on the different way in which US Bank handled and billed my XXXX different accounts because the XXXX XXXX accounts were handled by another division. She also explained that the personal account ending in XXXX could not be re-opened after this episode and that I would have to re-apply. XXXX was very courteous and professional. My concern is whether this unfortunate episode of miscommunication and misunderstanding regarding mailed hard copy paper bills via the USPS versus so-called paperless electronic bills resulted in US Bank generating a negative report to the XXXX, XXXX, and/or XXXX consumer credit agencies. While I did request access to be able to review the status of my accounts online, I never intended this to be a substitute or replace my receiving paper hard copy bills via the USPS. | ||||||
| 07/26/2023 | Yes |
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| My mortgage amount increased due to a property tax adjustment. I do not receive paper statements and I did not receive notification of the increase. I was sent a letter in XXXX informing me that my account was past due. I called US Bank immediately to determine why. I was informed that my payment amount had increased and there was a balance due on my account for the month of XX/XX/XXXX, as well as a late fee. At that time I confirmed with US Bank that my monthly payment of {$2400.00} for the month of XXXX had been received- these payments are sent automatically every month from my XXXX XXXX account. The XXXX payment had been sent from XXXX XXXX XX/XX/XXXX and was received by US Bank. I was told that the balance due was for my XXXX payment was {$61.00}. The representative was able to auto deduct {$61.00} from my XXXX XXXX XXXX account on XX/XX/XXXX. I was informed on the XXXX call that the late fee on my account of {$95.00} would be waived as a one time courtesy, which is the limit and allowed once for the life of the loan. The CSA asked me if I agreed and I stated yes. I was not informed at that time that the XXXX payment had increased as well and that there was a balance due. I would have happily paid that amount as well had I been notified. I subsequently received a letter from US Bank dated XX/XX/XXXX informing me that my XXXX payment was past due. I called US Bank immediately ( XX/XX/XXXX ) because I did not understand how that was possible. Somehow because of the non-payment of balance due either on the XXXX or XXXX payment, the paid amount was applied to principal, making my account appear past due. On today 's call I paid the remaining balance due of {$61.00} for the XXXX mortgage payment ( confirmation # XXXX ). Again, I was not informed on the call in XXXX that there was a payment due for XXXX or I would have gladly paid the balance. When I was told there was a late fee on the account of {$95.00} I asked the Customer Service Representative if that could be removed. She informed me no, since my one time courtesy to waive the late fee had already been used. I asked to escalate the request and speak to a Supervisor, and was put through to XXXX. I asked if the late fee could be waived and I was told no, the one time waive had already been used. I explained everything stated here, that when I called to resolve this in XXXX I was told my account was completely up to date with no balance due. I disputed the late fee but was told by XXXX that there was nothing he could do. I feel this is wrong on the part of US Bank and simply a tactic to collect additional fees. I would like to formally dispute this late fee. I have had recurring problems with US Bank over the years making principal only payments and having them applied as monthly payments. This company has terrible customer service and is sorely lacking in its ability to handle mortgages. | ||||||
| 06/15/2015 | Yes |
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| We enrolled in the XXXX XXXX Rewards debit card program in XX/XX/XXXX. Promotional Reward Program Problems - Visa XXXX Debit Card : We had problems receiving our rewards from the beginning. We spoke with at several different customer service representatives through the card issuer on and off about the problem over many months, with our last conversations XX/XX/XXXX about the problem. Each time we were told a specialist would return our call but our calls were never returned. We were told by a card issuer service representative ( at that time XX/XX/XXXX ) there was over {$300.00} in rewards that were never issued to us, and that our debit card may have been provisioned incorrectly when issued. We were also told that the system was not functioning properly and that the reward information and amounts should appear on the customer debit/credit entry pad at the store when a reward is available, and at that point we should be able to see the reward amount and authorize the payout of the reward on that store visit/transaction. To this date that functionality has never worked. We have relied on the XXXX store cashiers to let us know when a reward is available. We believe that many of the cashiers did not offer the rewards because they were not trained correctly. To this day, many of the store cashiers STILL do not know how to apply a reward. We 'd like a full accounting of rewards earned and any rewards still due since the card was issued. We have spent countless hours of frustration on the phone and in person trying to resolve these issues. Direct Deposit Problems : XX/XX/XXXX Direct Deposit Problems : XXXX different direct deposits were not serviced correctly. I spoke with customer service representatives on several occasions between XX/XX/XXXX and XX/XX/XXXX. Each customer service representative we spoke with could offer no reason as to why the direct deposits were failing or give a solution to resolve the problem. Each representative also promised a return call from a specialist within XXXX hours. Our calls were never returned. Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$740.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$710.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$2400.00} - Succeeded. Previous failed deposits, along with a current deposit were combined and finally deposited successfully. XX/XX/XXXX Direct Deposit Problems : Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$770.00} - FailedWe have never had any direct deposits fail XX/XX/XXXX. I 'd like to know the reason why these direct deposits XX/XX/XXXX are failing and how to prevent it in the future. We need to be assured the problem does not happen again. Also, the customer service response is horrible. Not one time have our calls ever been returned concerning any problem by a specialist as promised. | ||||||
| 11/03/2022 | Yes |
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| XX/XX/XXXXXXXX XXXX XXXX. Two men called me impersonating police officers. Reported that I had signed a subpoena and that I missed court. Reported that I was in contempt of court and failure to appear and needed to pay {$1500.00} for each offense if I wanted to avoid being arrested. They referenced my job title ( accurately without me saying ) several times. Reported I would eventually come to the police station to compare my signature and if it didnt match what was on subpoena, then I would get money back. Reported I needed to pay now so that they dont have to process me and have an arrest on my record. Reported that I didnt have a criminal record ( also accurate and I did not tell them ). They called from phone number that showed up with caller ID showing XXXX XXXX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX were phone numbers of each person. Person came on phone reporting that they were the supervisor and said I need to pay bonds. Both said I would get money back, its just procedure. Also said they dont take cash because of COVID. I challenged them several times and they had answers for everything. They were professional, rehearsed, and intentional. About two hours later, I paid them {$3000.00} via XXXX on my US Bank acct app with my business checking acct. XXXX XXXX XXXX was number. They said it was their financial dept. They said it didnt go through and I paid again through same acct. XXXX XXXX XXXX was second number. They said there was an error and it was still not going through so they would have to ask me to do something they rarely do. They sent me to my bank teller to get {$3000.00} again ( this time I grabbed from my savings and personal acct ) and sent me to XXXX XXXX off XXXX XXXX in XXXX to buy XXXX They had me send them pictures to verify purchase ( which I now know was to get codes but I was unfamiliar with the whole thing ). This is a total of {$8900.00} ( apparently XXXX XXXX machines only allow {$2900.00}? ). Then, they hung up and did not answer. I went to XXXX XXXX police department off XXXX XXXX in XXXX OR immediately and they said it was fraud and I should make a report after calling my bank to try to have it reversed. I called my bank and asked them to reverse which they said they couldnt do. They said they will report it to team for review. I made a police report and that case number is XXXX. I called US bank on XX/XX/22 and spoke to a woman who said my report was filed under dispute and not fraud and I should call back when it is denied to have it go back through as fraud. I called back XX/XX/XXXX and checked on review by bank. They reported that it was filed correctly, as dispute and not fraud, and there is nothing the bank can do because the government insurance doesnt cover this type of scam. Each person I talked to said this happens to people every single day and yet no one is able to do anything. PLEASE HELP! | ||||||
| 01/01/2020 | Yes |
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| XX/XX/2019 - US Bank Home Mortgage Website for Mortgage For the last several months US Bank and its website have failed to process my, " in full, paid on time, monthly house or mortgage payment via their website. Since I happen to be a customer who actually likes to pay on time, before my scheduled pay date and extension window, each time I get a processing error message. This then results in the following actions : I trying again or several times, logging out, logging back in, opening a new tab, changing to a new or different browser, coupled with my clearing my cache, or perhaps restarting my computer. The last and final step is an immediate direct phone call to US Bank Mortgage 's department listed on their website and also on my monthly paper payment stub. If you are lucky to catch them during business hours, for us West Coast members this is not conducive at all, as times are CST XXXX-XXXX XXXX - XXXX and XXXX. from XXXX - XXXX. If you are able to actually reach someone they are able to process your payment over the phone but that department has not been given the authority to email the owner/user email confirmation of payment just made for record-keeping purposes. Please note, this was the case for the XX/XX/2019 payment in which the same website again had a process error but this time looked like I might be charged 2-3 times. Each time I have to go back, wait until the next day to call back during said business hours to confirm did you US Bank, in fact, receive the payment, is it correct, how many times has it been processed, am I being charged more than once? Most importantly where is confirmation payment has been made and thank you for your business. Sorry that option does not apply here. The nice person informed they do not have that option to email. From a business standpoint, I can understand and respect limiting certain things however some process has to be in place for payment confirmation. US Bank recently made a website change roughly about 6 months ago. The so-called user/member dashboard interface is meant to be easier but I should not have added extra steps when making a payment. I can see for some it might be confusing, but most of all it has been riddled with processing errors and quite frankly I am sick of calling each month to verify my payment or more importantly make one, and then wait to see when they US Bank is going to get around to sending me my automated " thank you we received your payment here is your confirmation number! '' I would hope your team would be kind enough to look into the matter and come to a resolution with US Bank as to the process. As a company I am very happy and as a new homeowner ( first-time ) I would simply like to have a smooth process and not have to go in circles each month stressing over the house payment!!! I just want to pay and get it over with!!! Happy New Year CFPB - XXXX | ||||||
| 05/12/2019 | Yes |
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Web | Older American |
| I am resubmitting my first complaint because Elan did not give me a satisfactory response. I will expand on my complaint. OnXX/XX/XXXX, a payment of {$3900.00} was charged to my credit card. The finance company ( Elan Financial Services ) made an inquiry to XXXX Credit Monitoring on XX/XX/XXXX and found that I did not have an account with XXXX XXXX XXXX, the originating charge. Cardmember Services notified me that there was a problem with my account. I called them and they told me that a scam had been made against my account and that the transaction was reversed. I asked who made the charge but they claimed they didn't know. They did know the charge came from XXXX XXXX XXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. On XX/XX/XXXX, they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. I talked to 3 employees of Cardmember Service that told me they had no information on the transaction except that it came from XXXX XXXX XXXX. How did they come to the conclusion as soon as the transaction came through that it was a scam? Most credit card companies call the customer if they question a charge. Why was I not called about the charge? Were there multiple transactions like it? The Consumer Protection law requires that in replying to my complaint, Elan is required to provide the details of the transaction. Just because you state that I initiated the transaction and benefited from it, does not make it true. To fulfill that requirement, Elan must 1. Identify the owner/name on the account from where the transaction originated. 2. Where did the purchase/service charged to the account originate ( city - state )? 3. What kind of account did the charge to my account come from? 4. What was the charge for? If Elan really has a Fraud Dept., they should have no problem obtaining the information. Your letter in response to my first complaint states that on XX/XX/XXXX, I initiated a fraud claim. That is not true. I was told by the person who sent me the XX/XX/XXXX letter ( who I called on XX/XX/XXXX ) that he referred my claim to the fraud dept. I called that person again on XX/XX/XXXX and he again told me he referred the account to the fraud dept. and gave me their telephone number. On XX/XX/XXXX when I called the fraud dept., they told me that nothing had been sent to them. They claimed ignorance of the whole issue. Your letter also states that at that time they issued me a new card. That is not true either. Maybe you should try to get your story straight. At that point the Fraud Dept. said they were through with the issue and would do no more. | ||||||
| 01/08/2022 | Yes |
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| Dear President Office of US Bank : U.S Bancorp Center XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to US Bank account XXXX XXXX I would like U.S Bancorp to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to US Bank starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating US Bank still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action. | ||||||
| 05/16/2017 | Yes |
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Web | Servicemember |
| This concern is with us bank home mortgage, I started this process in XXXX XXXX . My mother passed away in XXXX at the time her home was current never past due. I talked to us bank about putting the loan into my name. Which after several months was done. During that time the loan was becoming past due. I applied for loss mitigation and was approved. During the first two months I was taken out due to have a second mortgage on the account. Of course I had no idea and us bank never told me there was a Lein on the property from a credit union, that my mother took out. If I did n't pay it they would forclose. So I paid cu services XXXX . I then replyed several times XXXX and XXXX for loss mitigation and after several months denied. I reapplied in XXXX XXXX XXXX . Where I have been in loss mitigation to date. I was denied in XXXX XXXX and I appealed due to us bank not having all the documents and changes made on the account. I 'm still in appeal they have sent m e two additional letters stating they need more time for decisions. I have been in loss mitigation for one year and five months. The current due is XXXX . In 17 months being in loss mitigation has put XXXX additional onto loan including escrow advances for insurance. I contact us bank weekly ever since I took over the loan to get updates to see if anything is needed I never waited for them to contact me or send letters. I knew the process and it took to long so I took the initiative. I have been through several loss mitigation relationships managers never to be informed of changes. At one point I did attempt to get outside help with first financial for the loss mitigation. But after months they wanted so much money and they were not helping. A cease and desist was placed on the account from them but after I refused services I contacted us bank to take off and they never did. Just to date again submitting a letter stating all of this the letter was forwarded to customer advocacy because of my letter being worded in form of a complaint. Nothing had been done. It is just amazing how I was never told until customer advocacy received my letter that I could pay on the mortgage. I contacted us bank several times to try and make payments they always said i could not due to bein g 5 pay ments past due and then of course the balance was growing. it have to be paid in full. When I did pay they sent payment back. Part of it is still in suspense acct. all I am trying to do is get my home back on tract. My home has been in our family since it was built on XXXX . It would of never fallen behind If my mother did n't pass away suddenly At XXXX . All of the loan advisors just told me to put it up for quick sale or a deed in lieu so I can just walk away. That is not right to advise when I am trying to save my home. I only have XXXX on this property and the value is XXXX . | ||||||
| 07/11/2023 | Yes |
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| In XXXX, My business opened an account with XXXX XXXX, XXXX as an XXXX Sole Proprietorship using my Federal XXXX XXXX In XXXX, the business was converted to an XXXX under Ohio law and canceled the fictitious name ( the form Ohio XXXX of XXXX uses for DBAs ). In XX/XX/XXXX, my branch XXXX, XXXX XXXX, was provided a copy of the XXXX certificate and at the time of my appointment, he was manning the teller line. He acknowledge that he would update the banking records as soon as he was done with the line. In XX/XX/XXXX, the branch XXXX was advised that my business bank statements do not reflect my XXXX 's name ( slightly different than my DBA ) and he advised that he would correct it. In XXXX of XXXX the business had a check bounce and by the time the matter was resolved, XXXX Bank had closed the business ' account. I personally began getting collection notices from XXXX XXXX about the charged off the business account and was seeking payment from me, the individual. The amount they CLAIMED was owed was vastly higher ( more than 200 % of the actual amount and they advised that the bank had charged the business account daily overdraft fees for over 60 days resulting in the higher-than-expected balance, in an effort to resolve the matter XXXX offered me, personally, a settlement for approximately 60 % of the stated amount. I, being the owner of both XXXX XXXX XXXX XXXX and XXXX, XXXX, have attempted to resolve this matter on several occasions. In XX/XX/XXXX, I was advised that my personal social security number and name were referenced in the LLCs collection file. The representative acknowledge that if I, the person, paid any amount towards the balance this bad debt would be reflected on my personal credit for a minimum of 7 years. Furthermore, XXXX XXXX of XXXX XXXX advised that under Ohio law, this debt should not be reflected on my personal credit history. In XXXX, XXXX I visited the branch where my business 's account was held and was told that I needed to contact recovery. I called XXXX and spoke to a person named XXXX. This individual was not well versed in state or federal laws and tried to insist that the account was a personal account. After several minutes on hold, he came back and told me that the business was listed second on their records so he could not fix the bank 's error even though it did not match the XXXX of XXXX XXXX or XXXX letter. The calls from XXXX XXXX have continued and now that I have advised that this debt is uncollectible as I, the individual, do not owe XXXX XXXX any money, I have been contacted by several different representatives. Each time I am asked to explain basic Limited Liability law and after XXXX minutes each time the representative verbally agrees that this is not a good debt. A few hours pass and a different person from the same collection agency calls and we continue the same conversation. | ||||||
| 08/01/2023 | Yes |
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Web | Servicemember |
| I opened an Elite Money Market Savings Account with US Bank on XX/XX/23 because they stated that they would pay 4.5 % interest if I had more than XXXX deposited in the account. I had approximately XXXX in a treasury bond mutual fund at XXXX XXXX that was paying about the same amount, and since the savings account was with US Bank, where I also had a checking account, I figured it would be more convenient to just move the money to this savings account and earn approximately the same amount of interest. I had the money in the savings account for approximately 2 months, during which time I verified that I was getting paid interest at 4.5 % on the money. At the end of the third month, I noticed that I was paid less interest, despite having more money in the account and the fed funds rate having been increased during that time. I did some research and determined that I was paid at a 3.45 % rate during the third month ( XXXX ). I checked the terms of the agreement and didn't see anything about the rate decreasing after the first couple of months. I also checked online and determined that the promotion was still active on the US Bank website. I called US Bank and they gave me a variety of explanations about why I wasn't getting the 4.5 %. This included telling me that I didn't sign up for the 4.5 % rate, an explanation which was provably false because I was paid at that rate for the first two months. Eventually they told me that I signed up for the 4.5 % promotion, but that promotion had been ended and an identical promotion had been put in its place. Thus, my promotion ended and the rate decreased, while it appeared as if nothing had changed. They did not provide me with any notice that my rate had changed and instead took these actions in such a way that I believe they were trying to avoid having the consumers notice the change. I told US Bank that I thought this was a deceptive business practice and that I was going to pull my money out of the account and close it. I will put my money back in the mutual fund, where I won't be subject to the fund owner trying to trick me into providing me less interest. I later went into a US Bank branch to move my money out of the savings account and the customer service specialist told me that the 4.5 % rate was still going on and that I didn't have to close it. I explained to her that she was misinformed and that US Bank was cycling people out of the promotional rate and then restarting an identical promotion and that she could check my rate if she didn't believe me. She checked the rate and didn't understand why it wasn't 4.5 %. I told her not to worry about it and to just move the money and close the account. So, even US Bank 's own employees didn't understand the functioning of this financial instrument, or the method by which US Bank is providing customers with less than the advertised 4.5 % rate. | ||||||
| 04/01/2023 | Yes |
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Web | Older American |
| I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in XXXX XXXX, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade and move the market. Foolishly I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. After a few deposits he had me switch to from XXXX to XXXXnow it is obvious that XXXX had XXXX out the scam and shut them down. The first investment went so well that I decided to invest $ XXXX and of course the gains were astounding ( 30-50 % ). At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade which was open for 48 hours. Immediately after placing the trade he called me to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed ( 48hrs ) to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX to help " protect '' the position. Just before the trade was set to expire he called me and tried once again to get me to get the $ XXXX and or trade the last $ XXXX in my account and I told him no I was done. The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform which was held inside my XXXX wallet was fictitious and there were never any real trades made. The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings | ||||||
| 11/04/2017 | Yes |
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Web | Servicemember |
| Within the last two months I requested that XXXX, XXXX card XXXX, transfer {$15000.00} to my U.S. Bank XXXX card XXXX. That requested transfer was promptly made, and that transfer created a credit balance on my said U.S. Bank card, which credit balance I asked U.S. Bank to refund to me. U.S. Bank promised to promptly refund the credit balance to me by check payable to me. Some two weeks later I receive a letter from U.S. Bank stating, in effect, that it had elected to renege on its promise to refund the credit balance by sending a check to me, but instead had sent that balance to XXXX, from which had come the payment that created the credit balance. Upon receiving that letter I immediately called U.S. Bank to have them reverse its payment to XXXX, and to send the credit balance to me as promised. The U.S. Bank representative told me that the law, specifically the Card Act of 2009, required that the refund be made to XXXX, not to me ; she said that a credit balance refund made by U.S. Bank to me a month or so earlier was a mistake ; she further said there was no one else at U.S. Bank to whom I could speak about the matter. I researched the Card Act and found nothing therein that prohibited the payment to me that I had requested. I complained to CFPB. U.S. Bank, in response to my CFPB complaint, said that it had the option to refund to me or to XXXX, and, apparently to save the expense of making a check, and the cost of a stamp, elected to breach its promise to me, and leave me in financial distress, by electronically refunding to XXXX. U.S. Bank, in its response, acknowledged that the credit balance was owed to me. So we have U.S. Bank fibbing to me about the law requiring it to send the refund to XXXX, breaching its promise that it would send the refund to me, leaving me short some {$15000.00} that I needed to satisfy my obligations to others, causing me to lose the benefit of the transfer from XXXX, and to receive no benefit for the time and expense I incurred to obtain that transfer, all, I take it, to save the expense of a stamp. Your previous case number, regarding this matter, is XXXX, filed on XX/XX/XXXX. What I would request of U.S. Bank is that they now make partial amends by granting to me, against my said U.S. Bank card, or other U.S. Bank cards I hold, the same deal that U.S. Bank caused me to lose with XXXX, i.e., {$15000.00} at zero per cent interest until XX/XX/XXXX, assuming that U.S. Bank is unable to retrieve its payment to XXXX and pay it to me, as it should have done, and as it promised to do, in the first place. Perhaps U.S. Bank was jealous of the deal I was offered by XXXX, and took it upon itself to be a vigilante, and to punish me for trying to get the benefit of a bargain. Or did it do what it did just to save the expense of a stamp? I would at least like it to answer the question just posed. XXXX XXXX XXXX | ||||||
| 12/20/2022 | Yes |
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Web | Servicemember |
| As of XXXX, I began to notice some fraudulent activity on my checking account. It was then that I notified my bank by way of physically going into the bank as well as by calling the fraud department as they had suggested. After doing I disputed several transactions that were not familiar to me and was told that I would be issued a provisional credit and after receiving the documents in the mail, I should fill them out and return them to the address enclosed. After doing so, without warning the provisional credits were reversed from my account causing a negative balance and always coincidentally close to the date of my direct deposit, leaving my account without any funds causing me to overdraw my account in order to buy basic necessities for the month. This has continued and still continues. Upon requesting evidence to support the allegations that the disputed atm/debit card transactions were performed by myself and/or my wife because the patterns of use and the places that were used to withdraw funds from the atms etc. were consistent and that the photos that they had in their possession were the same people in all of the photos!!! I have called them and requested the documents that they claimed to have to support their findings and they informed me that they were not able to release that information. That says to me that they know me and what I look like and that isnt true. After conducting my own research I have learned that XXXX XXXX has had a data breach/hacked leaking personal information and has also been fined by the federal government for opening accounts in customers names using their personal information without their consent. When the breach occurred in XX/XX/2022, is exactly the same time that the fraudulent activity soared and the fraudulent transactions and other fraudulent activity such as fraudulent account numbers appeared on our accounts. I have recorded conversations between individuals and myself and many of them dont appear to be legitimate conversations with legitimatXXXX XXXX XXXX employees. I have screenshots of my account that have account numbers and information that suggests that someone has hacked into my account and opened an investment account in one or both of our names. After inquiring about the account numbers that were listed on my account both at the bank and by calling the fraud department, I can not get a straight answer and I have been unable to find the appropriate department to get an answer. Since XXXX, I have had to question many transactions that have occurred on my account and after being given the provisional credits the same pattern of reversal of funds continues many of which I have not been given an opportunity to submit documents in support of my claim of fraud! I am sure that the evidence that I have in my possession is indicative of fraud and unauthorized access to my accounts! | ||||||
| 07/04/2022 | Yes |
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Web | |
| XXXX XXXX ( U.S. Bank ) Transfer to XXXX : Why isn't the Federal CFPB providing Proper Oversight and Requiring Complete Disclosure of the Transfer of Service & Terms from U.S. Bank to XXXX XXXX?? Why is there Only ONE Disclosure of " New '' XXXX XXXX Credit Card Terms and NO Disclosure of Previous/Existing " Old '' U.S. Bank Terms & Fees ? So Consumers can Quickly and Simply Understand the DIFFERENCES in APR %, APR Balance Transfer, APR Cash Advances, Paying Interest ( i.e. Due Date Billing Cycle ), Fees ( Annual, Transaction Fees [ Cash Advance & Balance Transfer ] and PENALTY FEES ( Late Payment and/or " Surrender Fees '' ( If consumer quits or drops Credit Card Service in 12 months or less? ) from the OLD ( XXXX XXXX " U.S.Bank '' ) to the NEW ( XXXX XXXX " XXXX XXXX '' ) and DISPLAY/Print the DIFFERENCE ( Increase or Decrease ) in APR Rates, Billing Cycle Days and Fees. Like the Mortgage Industry is required to follow TILA " Truth In Lending Agreement '' rules and full transparent disclosure of terms... WHY Isn't there a FULL DISCLOSURE REQUIREMENT COMPARISON REQUIRED with a Simple COMPARISON CHART provided that shows the CHANGES in Important Terms so Consumers can make an EDUCATED DECISION on if they wish to Continue with the " New '' XXXX XXXX XXXX Terms or Decline and Seek Another Credit Card. As it stands... XXXX XXXX XXXX in a " Heavy Handed Approach '' IMO is PUSHING People to take Action " Action Required '' by XX/XX/2022 WITHOUT FULLY EXPLAINING THE DIFFERENCES from PREVIOUS RATES, TERMS & FEES To FUTURE RATES, TERMS & FEES... It is CLEAR that this is PURPOSEFUL OMISSION OF CRITICAL FACTS " Half Truths '' that are Presented to Consumers so Credit Card Companies Do Not Loose Customers. It is Not At All Unreasonable to Make Such a Request and the " cfpb '' ( consumer financial protection bureau ) should be at the forefront to ENFORCE this Standard Full Disclosure and Transparency Requirement ( Much Like the Mortgage Industry TILA as stated above ). The Current XXXX XXXX XXXX XXXX from " U.S. Bank '' to " XXXX XXXX '' SHOULD BE HALTED by the CFPB until FULL DISCLOSURE OF TERMS COMPARISON DIFFERENCES ( In Simple Chart/SpreadSheet Form ) is presented to the Current Customer Base!! This should be a XXXX XXXX to Provide " Comparison Data '' for ALL Credit Card Service Transfers between Companies or Subsidiary Companies. I am amazed that this [ SIMPLE Terms XXXX XXXX XXXX ] has not been thought of before... or it has been suggested and " repressed '' for long forgotten reasons... In Short ... AS THE PROCESS NOW STANDS... IT IS ONE SIDED MISREPRESENTATION and NON-TRANSPARENT Disclosure of the Current Transfer Process with a " Heavy, High-Pressure Approach '' to get Consumers to Commit to " Action Required '' by XX/XX/XXXX to New Credit Card Terms without Proper Explanation of " AS IS TERMS '' And " TO BE TERMS ''! | ||||||
| 07/22/2021 | Yes |
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Web | |
| US Bank allowed my PA Unemployment Reliacard to be compromised. A US Bank representative allowed an individual to call into their service and request that the email address attached to my account be changed. I was informed by a second individual at US Bank that this is against their policy and that a written request or a fax request must be used to change an email address. This individual had US Bank change my account email address to their own. Then this person proceeded to the US Bank Reliacard website and clicked on " forgot username ''. My account username was then emailed to this person. The person then clicked on " forgot password '' and had my account password reset. The individual then went into my account and changed the bank routing number and account number then proceeded to withdraw {$1000.00}. Then this individual changed the bank routing number and account number again and withdrew another {$1000.00}. US Bank 's security system failed to detect all these suspicious behaviors. This was all done within a short period of time. The two large withdraws were made within 2 minutes. US Bank had previous shut off my Reliacard because their system detected a potential fraudulent attempt to use my card number at a restaurant in Florida. US Bank did not close the account and assign me a new card. Instead they just reactivated my existing card. The account was obviously compromised but they did not close the account. It seems strange that their system would detect such a small fraudulent restaurant purchase but would NOT detect fraudulent activity when the email address was changed, the website username was requested, the website password was requested, the bank account information was changed twice within 2 minutes and 2 {$1000.00} withdraws were made within 2 minutes. US Bank already had a class-action lawsuit settled against them in California for their lack of security measures such as a chip embedded in their cards. I have requested a new card twice and have not received a replacement card yet. It's been over a month and I can not access the money that is left on my account. I no longer have website access to the account. I can't pay any of my bills without the money in this account. I have called US Bank at least 6 times and got nowhere with them. I also filed a local police report. However, US Bank refuses to give me the person 's email address that he/she used when changing my account. This information alone would allow legal authorities to try to track this person down. I was given an absolutely ridiculous response that since I do not know the email address that was used, it would be a security breach if they gave that information to me. They were concerned about security when they allowed someone to change my email address without properly verifying whether the individual was the true owner of the account. | ||||||
| 12/25/2019 | Yes |
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Web | Older American |
| Dear Bureau of Consumer Financial Protection Representative : This is a formal complaint against US Bank. With confidence and based on facts, I hereby state that US Bank is willfully engaged in discrimination and bias against me. I believe it to be based on National Origin, Color, Age and/or misinformation contained within their files. Case and point : XX/XX/XXXX - In person at US Bank branch located XXXX XXXX XXXX XXXX XXXX XXXX, CA, submitted a personal loan request in the amount of {$5000.00} at a fixed 48 month term. The US Bank representative entered my information, and in just under 20 seconds advised me of a negative decision. This can only be explained by upfront disparaging information visible only to the bank associate. A loan application even with todays technology can not be processed at that speed without proper consideration & underwriters credit decision. On a later date, XX/XX/XXXX my loan request was professionally and positively processed by XXXX XXXX XXXX. This entity did everything by the book, taking its time to process. XXXX XXXX - During a vehicle purchase at XXXX XXXX dealership within the county of XXXX XXXX, a request was sent out to multiple financial institutions for credit. Out of many responses, US Bank was the only one, who not only declined, but came back with negative feedback ; our sales person specifically mentioned the unusual and unnecessary comment by the US Bank. This is the bank that has our entire familys financial history. The financing was picked up by XXXX XXXX XXXX at a very attractive rate. XX/XX/XXXX - During an online session at US Bank web site, while looking at my profile, I discovered it stated citizenship of XXXX ; it should have been United States. XX/XX/XXXX. Request for a Line of Credit in the amount of {$1500.00} was left answered for over three days. Had to make numerous calls just to find out the decision The answer was a foregone conclusion Declined. My family members and myself have been with US bank for nearly a decade, thousands of dollars have passed through our accounts and currently in saving accounts, and yet I am singled out each and every time. This is either with negative information entered by an employee or the bank itself acting on such information from another source. My credit is not perfect, XXXX recession and loss of income brought hardship and difficult times on my family. Now a decade has gone by, yet this bank brings up any and all negative information to any potential lender. I simply dont understand the reasoning behind this personal vendetta and blacklisting. Its my sincere hope that Bureau of Consumer Financial Protection will look into this matter and come to a fair conclusion. Please feel free to contact me for any additional supporting documents needed to verify my complaint. Looking forward to your findings. Thank You | ||||||
| 04/30/2016 | Yes |
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| XX/XX/XXXX I bought a jeep and financed with US Bank. XX/XX/XXXX, I refinanced with XXXX XXXX. I mailed the payoff check with my account number on the check to US Bank to the address that I always sent my payments to. Well, US Bank never cashed the check. They said they never received a check. I had the receipt from the post office with the tracking number that said the check was delivered on the third day after mailing it. Since they never cashed the check, and I had refinanced thru XXXX XXXX, I was told by US Bank that I needed to make payments to them and at the same time make payments to XXXX XXXX. Well, that just was not a option so I made my monthly payment to XXXX XXXX since they would be my new Lien holder.. The people at XXXX XXXX were very helpful and knew what was going on they wanted to help but there was nothing they could do until after a certain number of days to make sure the check was n't cashed. Then finally those days past, US Bank still never cashed the check. So I went to XXXX XXXX and signed a bond for them to cancel and issue a XXXX check.. Two days after I signed the bond, XXXX XXXX calls me and tells me they received a letter with the check that I mailed to US Bank. The letter was addressed to me a XXXX XXXX. The reason it took so long to locate the check was because nobody with my name worked at XXXX XXXX. Some how they opened the mysterious letter and figured it out. The letter that was included with the returned check said they could not apply the pay off check to my loan account because I mailed the check to the account payment address and not to the pay off address. Now, after about three months later and finally receiving the returned check that I canceled just days before.. US Bank added several late fees and other charges to my account that I did n't feel was fair. Had the person that received the pay off check applied the check to the account, it would not have been late. If that person would have mailed the payoff check to the payoff address instead of returning the check to XXXX XXXX, it would not have been late. Finally after talking to the guy at US Bank and emailing him copies of my paperwork and payoff check, I was told that they would remove the fees that were added to the account. They removed the fees but did not fix the late payments showing on my credit reports. On my credit report it shows the account status as a PAID CHARGE OFF. But it was not a charge off, it was paid off and all payments were on time. XX/XX/XXXX, four years later it still shows as a CHARGE OFF, so I disputed the charge off. Now, the updated the status from charge off a few years ago. Now it says CHARGE OFF IN XXXX XXXX. I tried again this month to dispute the charge off. And US Bank reported back to the dispute that the information is reported correct and remains CHARGE OFF IN XXXX XXXX. | ||||||
| 08/23/2023 | Yes |
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| I applied for a balance transfer offer through U.S Bank credit card services, in which I was approved. so I proceed to do the balance transfer to pay out a debt to XXXX XXXX for the amount of {$6300.00} dollars with a 3 % fee for the transaction, After couple of days I called to see how long will it take for the process of the transfer, the agent told me it would usually take 5 to 7 days that called was made on XX/XX/2023. On XX/XX/XXXX I called U.S. Bank and an agent said the transaction should be complete any day now and to call back. On XX/XX/XXXX I called again and the agent told me that the transaction was on hold and I asked why? She responded by saying that some times the system would do that. I told her ... because of this delay on their behalf I wouldn't have enough time to make the payment for the due date on my XXXX XXXX which was under a promotion that was going to expired. She did apologize for the inconvenience and she told me that at this point was going to take more than 5 days to send the transaction to the destination because they had to cut a check and send it via postal office. When I heard that I told her that it was too much time, so she told me that cancelling this transaction was an option, In which I told her YES please cancel this transaction in which at the time was still on hold. The agent proceeded to canceled the transaction and gave me a confirmation number for the cancelation that was made.. At this time I decided to use another credit card to do the balance transfer in which only took 3 days to complete the process. On XX/XX/XXXX I noticed that U.S Bank sent the payment of the balance transfer after I had alreay canceled the order. I explained the situation to an U.S. Bank manager which I can't disclose the name. I asked him what can I do now?, he recommended for me to contact XXXX XXXX and ask them to return the money back to U.S Bank, in which I did contact XXXX XXXX and the agent told me that via SCH is blocked the only way to do it is sending me a check in which I agreed. As of today XX/XX/XXXX the {$6300.00} dollars has being deposited back to U.S bank, returning the money of the transaction. The situation is that U. S bank is charging me the fee of the transaction, in which wascanceled in the first place, I contacted 2 more managers and they said they won't waive the fee, I told them to check the recordings of me talking to the previous agents to find out that the mistake was on their behalf but they just ignored me and won't take responsability for their error and incompetence. This is an ILLEGAL charged because because there was a stop on this transaction over the phone in which was recorded and confirmation number of the cancelation on file to prove their wrong doing. Is not my fault for their miscommunication and lack of ability to handle their business. PLEASE HELP. STOP FRAUD | ||||||
| 06/26/2023 | Yes |
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| Hello, In XX/XX/2023 I had some financial issues and was placed on the Pandemic FB Plan through my mortgage Company. They placed me on the plan for 3 months. I was never given an option to chose 6 months. After the 3 months In XXXX the mortgage company automatically extended my FB for another 3 months. Again I was not given the option to chose 6 months ext. I received a letter from my mortgage company date XX/XX/2023. This date is very important. In this letter it states I need to contact them as my FB is coming to an end. The letter gave me XXXX options. First option was to resume monthly payments and select a program for paying back the suspended amount. Second option was to pay back all payments in XXXX installment. Final option is to Extend my forbearance Under the Cares Act, as I am eligible for an additional 180 days. I spoke to a re with my mortgage company named XXXX on XX/XX/2023. I advised I would like to extend my FB plan per the letter i received. She said she had tried entering the extension 3 times and the system would not allow her to. She then stated she would reach out to her manager and see what the issue is and for me to call her back. I kindly asked could she call me once she has a response. She said she could not that I would have to call back. I asked to speak with a manager and she placed me on hold and the call hung up. I called back and spoke with a rep not sure of the day. This rep advised me that the reason they could not enter the extension was due to me still being covered for the month of XXXX and I would need to call back the end of XXXX and they could then extend. I then received a call from XXXX again on I believe XX/XX/2023. She called me off of a dialer. It was not an intentional call or follow up to our last conversation. She then advised she was able to extend but if would not cover XXXX, I advised that is not expectable as per HUD I have the option to extend through XX/XX/2023. XXXX then transferred me to escalations. The rep in escalations advised that she was also unable to extend and would get with her manger and follow up with me. In the mean time I got a call from XXXX again who then advised me per her manager I can only get on a standard FB plan which will not protect my credit. I again asked to please let me speak with a manager and she refused and hung up on me. I received a call back from the escalation rep who stated there is no longer an extension option for my loan as it ended at the end of XX/XX/2023. I asked why they sent me a letter dated XX/XX/2023 telling me the complete opposite of this. She was kind but unable to assist me. I am very upset as the letter sent to me dated XX/XX/2023 should not have listed an option of me being able to extend my fb plan if it was not an option. The letter is attached to this message. I am hoping for a resolution with my mortgage company. | ||||||
| 07/22/2015 | Yes |
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| I have had a US Bank mortgage loan since 2009. I have not been late once until recently when I was being XXXX. I had called US Bank in hopes of deferring a payment until I could visit XXXX, to just defer 1 payment. Upon calling I was treated very rudely, I was told I could not discuss anything with them about a deferral or a late payment until I was in fact late. This was very stressful, knowing what was ahead me was not going to be easy. My auto loan company accommodated my requests with no questions asked and wished me the best. US Bank on the other hand basically told me " too bad ''. I did as they told me to - call back after my loan due date. This was after 2 long trips XXXX. I was n't well and they were still not allowing me any options. They asked for my financial information. I explained I was looking for them to do anything other than just defer a payment during this difficult time. I 'm a single mother XXXX. I promised I would not be late the following month and mentioned I was going to put the house up for sale so I could take care of what I needed to. They said XXXX XXXX, make a regular payment on time, which I did. I was unable to do online, I was forced to call in and they were trying to charge me {$11.00}. Then XXXX XXXX I would begin making regular payments + an additional {$300.00} a month +, for 5 months, to pay back my XXXX XXXX bill. When I did the math I was confused that they were charging me almost $ 300+ for being late. They would not offer me any other options only the option to be raked over the coals for the next 5 months. I have been paying on time since XXXX 2009. My interest is more than {$700.00} per payment and only {$230.00} going towards principal and interest. They could not tell my why I was paying so much penalties. I have reached out to them several times to find a better option with no change. How can a mortgage company be so brutal? The only other option I can think of is an attorney. They have sent me numerous rude letters stating, " You are in default of your mortgage terms '', then it lists out options that are not feasible, including " short sale '', " modification '', " pre-foreclosure sale '' " deed-in-lieu '' of foreclosure, etc ... These are all scary things to see when you 're one payment past due and facing XXXX. I am going to continue to search for a way to stop US Bank. Hopefully I will be able to find a way to make them stop. I am someone 's mom, someone 's daughter and a human being. I can only think US Bank is being managed by robots with no feelings and no compassion for life. One day with the CEO and all the employees their face the end of their lifespan, maybe they can remember all the people they treated so coldly and did n't offer options to. I 'm not asking for handout. I was only asking to defer a payment with no penalties till I could catch up that one month. | ||||||
| 08/12/2016 | Yes |
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| I had a bank account with US Bank for over 3 years while I worked for them. Shortly after I changed to another company, the account began charging a {$17.00} monthly service fee. I was n't sent notice that this would change, and as a result I decided that I was going to close the account. I began the process of changing over all my direct deductions so that I could close the account without any issues. I had one last medical account that had n't changed over, but also had n't been paid because I had no balance. Before I closed the checking account, I had visited the dentist and accumulated a balance on that medical card account, so the autopay resumed from the US Bank account. This caused an overdraft that I was unaware of because I was no longer using the account. Once I logged in to transfer my final few dollars to my new account I found that my medical card autopay had caused a negative balance of just over {$34.00}. When I was finally able to get into a physical branch to pay and close the account, the balance had increased. More monthly fees and extended overdraft had been added. To that point, I had still received no mail to alert me to the problem. I paid the teller at the branch {$35.00} and requested that the account be closed and the balance waived because the balance that remained was all bank fees. In more than 3 years I did n't have a single fee waived, yet the teller advised that this request could only be completed at the branch that the account was opened through. I explained that I had moved and it would be difficult to get back to the original branch, however she was still not able to assist me. Shortly after this, and before I got back to the state with my original branch, the account was sent to a collection team. As soon as I received a letter from them I placed a call explaining that the balance was all fees, and I requested that it be waived. I was again advised that only the originating branch could assist with waiving fees. I called t down to the branch that the account was opened in and explained that it was difficult to come down in person, but that this was the only branch that could resolve my problem. They referred me to the manager of that branch who said he also could not help because the account was placed in collection, and once that happens it is out of his hands. He stated that he would look into the issue and call me back in a couple days, it has been over a month, and I have n't heard from him again. I now have an account that could at some point be listed on my credit report as a collection, it is a balance of all bank fees, and no one will assist me. This checking account pulled {$25.00} from a savings account that had no funds to pay down the increasing bank fees, and that savings account had also been closed and charged off. I have not heard from collections about that one, yet. | ||||||
| 10/05/2023 | Yes |
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| I own a duplex property with a mortgage on it from US Bank. There was a fire there in XXXX. XXXX XXXX paid out $ XXXX total to pay for the renovations from the fire. They paid out $ XXXX to start, which I had to take to US Bank for them to endorse the check and I was able to deposit it with no issues. Then when the work was completed, I received a final check from XXXX of $ XXXX. I took that check into a US Bank branch on XX/XX/XXXX, and the branch manager called into the US Bank insurance claims process and she had them on speaker and because the total is now over $ XXXX, it had to go though a special process where we send in paperwork. The person on the phone listed what we had to do/send. We gave that info to the branch manager and she mailed it in. I heard nothing for a week or two and then I got a call from US Bank saying there was information missing. They said we didn't sign the back of the check ( no one told us this check would be cashed by US Bank, we assumed they would endorse the back of it like last time and mail it back ), so they had to mail the check back to us, and then I paid {$28.00} to overnight it back to them because at this point, I had already paid out that money myself to the construction company, so I'd been floating $ XXXX ( and I still am to this day on XXXX XXXX ). I also asked them at that point to overnight the check back to me when the process was done, they said they'd put in a request to do that. On that same call, they told me the work on the house needs to be inspected, and that they'd have an inspector reach out to me ( not sure why they didn't do that initially, but they waited until my call with them to trigger that process ). The inspector reached out and scheduled to come, but then canceled day of. And then we heard nothing back after that from them, so I called again. This time they told me the inspection was done, everything was done, and they would trigger the new check to be cut and sent to me. Again, i waited, and nothing happened. So I called back and the person told me the inspection still needed to be done, so they triggered a new inspection that at this point happened almost XXXX weeks ago, and I still have not received my check in the mail. I am going to call back today, but this is completely ridiculous. What would I have done if I didn't have the money to float this? My credit would be impacted. I have called I think 5 times at this point and every single time I've called I've been given incorrect info and told to do something else. The last time I even demanded a supervisor and she told me that after the inspection it would take them XXXX business days to release the check, which she would put in the request to overnight. That was XXXX weeks ago. Their process has to change. They have literally been holding my $ XXXX for XXXX weeks at this point. Is that even legal? | ||||||
| 05/27/2020 | Yes |
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| I applied for a US Bank Business Cash credit card in response to a promotion in which I would earn a {$1000.00} cash back bonus if I spent {$10000.00} in the first 120 days. The promotion also stated " your cash rewards will add up fast - especially when you get multiple cards for employees '' I requested 2 cards : one for myself and one for my son who works in the business. I was approved for the cards on XX/XX/XXXX. That meant I had until XX/XX/XXXX ( 120 days ) to spend the required {$10000.00} to be eligible for the {$1000.00} bonus. I spent the following as shown on my first 4 monthly statements : Statement dated XX/XX/XXXX - Net balance {$170.00} Statement dated XX/XX/XXXX - Net balance {$3000.00} Statement dated XX/XX/XXXX - Net balance {$6200.00} Statement dated XX/XX/XXXX - Net balance {$2100.00} The total spent as of XX/XX/XXXX was {$11000.00}, above the required {$10000.00} - On XX/XX/XXXX I called US Bank to inquire about the bonus, they told me to wait a few more weeks. - On XX/XX/XXXX I called again and they told me I should see the bonus in the next statement. - On XX/XX/XXXX I called again and they said they would do an investigation and would send me a letter in 7 days. - Early in XX/XX/XXXX, I received a letter stating I didn't meet the spending requirements. - On XX/XX/XXXX I called again and asked the customer agent to look at my first 4 statements showing the total spending was clearly over {$10000.00}. The rude customer service didn't bother to look but simply told me to refer to the letter. I then faxed in my letter explaining that I'd spent over 10,000 and sent them copy of my first 4 statements. - On XX/XX/XXXX I called again to check if they had followed up on the documents I sent. They told me I didn't meet the spending requirements that I had only spent about {$6000.00}. They told me the {$10000.00} spending requirements has to be under my specific card, it can not be combined with my son 's card. I told them the promotion did NOT mention this. In fact, the promotion ( I still keep a copy ) even stated and encouraged me to get additional cards by stating " your cash rewards will add up fast - especially when you get multiple cards for employees. '' My son works for me and in many cases, we use our cards interchangeably and I'm responsible for all charges under both cards. US Bank did not say the {$10000.00} spending requirement had to be under my specific card in their promotion. Otherwise, I would have done all the spending under my specific card only as my son and I were often together, I could have used my card instead of his. US Bank now denied my promotion bonus. They cited their rules which they did not disclose earlier in their promotion. They only disclose this rule after I already made the efforts to spend {$10000.00} so they would not have to meet the obligation they promised. | ||||||
| 07/01/2023 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I XXXX two times from my checking account, the amounts were : {$500.00} and {$1400.00}, to a Water company that shortly after I learned it was a scheme when I checked with my water company, I right away called US Bank customer service, phone XXXX XXXX XXXX XXXX at about XXXX XXXX on the very same day : XX/XX/2023, to notify about the fraudulent XXXX that I was just schemed, I was with Union Bank a long time and very satisfied with their service, i also learned that US Bank has recently acquired Union Bank, They said they would look into the matter and refund me the money. Two days later, on XX/XX/XXXX I received the bank 's letter, that said their investigation were done and they were sorry that they could not refund me those fraudulent transactions, and did not explain why in the letter. I was so upset about the way the bank handling this, it did not seem they did a thorough look into the matter, no explaination of why, and I wonder how come their investigation did not take long, ususally with other bank I see like a week or so. I wonder if they ever even did their real search in this, or do they ever care, or can I trust anything of it? Then on XX/XX/XXXX, I XXXX to my family {$100.00}. XXXX to my family member, the money did not go thru to them, i called the bank again, and they said the XXXX hasd a glitch on that day, and will show up in my family 's XXXX 5 days later, nothing showed up 5 days later, but the money was already taken out right away at the time of sent??? Then a week later they said they would refund this {$100.00} back to my account, the XXXX did not go thru, why if it did not go thru, then it shoulbe reversed right away, that is how I see with XXXX normally. All of this sound suspiciuos to me, I would start to think that US Bank might have not done their part to help their customer in their best,, or it would be a possible that why US bank is trying to keep customer 's money, when transaction was not succesful, and not doing their job to address the complaint as they are supposed to do as a bank. I am very upset, sad, frustrated and so very disappointed about this bank. US bank is a new bank for my account, I was with Union Bank a long time, never experienced any problems like this, with this new bank, I have already experienced very disappointed customer cares in them, I already started to lose trust in this bank service and have thought about choosing another bank. I am a hard working senior citizen in my later age, and I feel so terrible about all these, I have lost my money to pay for my essentials bills last month, about {$2000.00}, I work full time 5 days a week and sometimes even more, to meet basic living expenses, and I am very struggling because of the money lost, can you imagine how horrible anyone would feel at my age or at any age? Thank you so much, please help.. | ||||||
| 06/01/2022 | Yes |
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| My name is XXXX XXXX, I am writing this letter to inform you and come to a resourceful resolution for both of us. During XX/XX/XXXX, I opened a Line of Credit with one of the Bankers to help me pay my mortgage that I also had through U.S. Bank for that month. All was well, but unfortunately in my personal life a few short months after, I had faced some hard times and was unable to keep up with my obligation of re-payment at that time. It wasnt until approximately XXXX when I had not only moved to another state ( North Carolina ), but my finances were in a much better place when I started to receive correspondence about this repayment/collection. It wasnt until XXXX when this item started to cause me issues, ( buying a home, preparing for XXXX XXXX ) when my wife and I were beginning to get our affairs in order to buy a home for our growing family of four children, we were not eligible for the USDA Loan because of this Line of Credit was keeping my score at stand still pace of XXXX and for the USDA loan, it required a XXXX credit score. The lender we were working with was helping us and was able to verify the information above once he pulled my credit score. It was then when I spent several months off and on trying to get a hold of the appropriate person/department within U.S Bank to try and get some assistance regarding this and get a resolution so my family and I could not only look to buy a home, but I had gotten to the halfway point of becoming a XXXX XXXX within the XXXX XXXX XXXX to serve my community. ( Which Ive now completed ) When I finally reached the appropriate department and told them the above story and the representative told me that they could assist with payment, I was relieved, my hope to provide my growing family of XXXX ( including myself ) by buying a home was going to come true, and then I could begin focusing my serving my community as a XXXX XXXX, but that dream was short-lived ; I was told by the representative and if Im not mistaken, a manager within the Recovery Department that -U.S. Bank : Line of Credit ( Acct XXXX ) for {$1000.00}, but more like {$1100.00} with past due fees could not be paid or at least the phone representative couldnt take payment due to the North Carolina Statute of limitations. This letter is a last-ditch effort in hopes of making a dark situation in my life into a light one, as Im now a XXXX XXXX and pursing a full-time career as a XXXX in XXXX with my family through XXXX XXXX XXXX XXXX XXXX Could you kindly guide me in the steps necessary to write my wrong and make a payment or remove this from my credit, which then, the credit reporting laws will ensure that bureaus report only 100 % accurate credit information, and Ill be able to not only put this multiple year issue behind, but begin my journey with my family serving in the ministry and my community. | ||||||
| 05/06/2021 | Yes |
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| I submitted an initial complaint ( XXXX ) pertaining to US Bank not providing me refinancing on an existing mortgage I have with them due to a lack of documentation for a ground rent agreement they stated wasn't sufficient. They stated they documentation provided my my title company as well as documentation filed in superior court within the state of Maryland wasn't adequate. I ask them why would they deny refinance based on land lease agreement document being they have abided by it for over 9 years when they purchase my loan from XXXX XXXX XXXX. I asked they to provide evidence that the ground owner received and deposited the ground rent payment bi-annually from my escrow account. They were unable to confirm an stated an investigation was required to determine if the payments were ever deposited during the 9 year period and if the payments were deposited why didn't they request the ground rent agreement from the ground owner to complete the refinancing. They refused and stated they didn't know who the ground owner was and I needed to provided they with proof. After the investigation was completed and US Bank had already decided not to refinance my property they provided a response to CFPB stating " A review of our system confirms ground rent has been collected within the monthly mortgage payment since the loan boarded our system, with a first payment date ofXX/XX/.The next payment is scheduled to be disbursed from escrow in XX/XX/XXXX '' I purchased the property in XXXX which would mean US Bank has been deducting money from my money mortgage payment and placing it in escrow for ground rent for 9 years but will make the first ground rent payment on XX/XX/XXXX. This is documented in their response. What this proves is either US Bank never paid the ground rent in the 9 years I have had a mortgage with them and have been deducting funds for a ground rent they never paid in 9 years or they have been paying the ground rent and indeed know the identify of the ground owner and intentionally lied in attempt do cover up their unfair business practices. US Bank hasn't provided me with any documentation supporting or refuting the facts related to the identity, the payment history, the deposit history of the ground rent for the last year. I am requesting all documentation related to ground rent disbursements, deposit confirmation, escrow analysis proving payments were indeed paid out, and the identify of the ground owner. This will assist in determining is US Bank in good faith made an attempt to contact, obtain ground lease from owner which they had a relationship with through bi-annual payments for 9 years and if they weren't paying the ground rent why didn't they disclose this information so I could have worked with a lawyer or title company to attempt to legally obtain the grounds on which my home was built on. | ||||||
| 03/02/2020 | Yes |
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Web | Older American, Servicemember |
| I would like to start out by saying that this has been a long on-going process with US Bank as our account with them was apparently opened in XXXX ; according to their records. About three years ago my wife asked me what the charges were from and who opened the US Bank account. I told her I thought she had opened the account/credit card and she said no. I explained to her that I don't remember opening the account and don't remember ever using their credit card as we had canceled/closed the account several years ago when my wife started questioning who opened the account. Around the XXXX of XXXX, XXXX my wife asked me to call USB and inquire about the charges and who opened the account. NOTE : my wife has been calling USB on and off for at least for the past three or four years asking them the aforementioned questions but they would not communicate or discuss the account as her name was not the person that opened the account -- they said it was me but they never indicated that all she had to do was put me on the phone and I would give them permission to talk to her. So, I called them and ask them to provided me with a list of the charges with dates and to send me a signed copy of the application of the credit card with my name on it along with the charges. The first lady I spoke with was very nice but after looking everything up she could not find anything except we had supposedly opened the account around XXXX. She said I had to talk to a different department and put me on hold. Next up was a gentleman that said he could see the charges but didn't know what they were for and I said fine but could he send me a list of the charges along with the dates plus my signed application and he said he would do. -- -- I have yet to receive anything except a letter saying that if we believe our account has been compromised we needed to contact their Fraud Department and submit an inquiry. They provided the phone number and I called them. After speaking to them and going over all this the folks at the fraud department said they would investigate the claim and get back to us. About two weeks later we received a call from them with the lady saying she didn't see any fraud as we have been paying on the account for the past ten years and we had opened the account because that's where the bills are being sent to. I asked her to provide me with the signed application document and she said that it had all be done online. I asked her did the company not require a signed application and she did not answer, just saying that the bills were coming to our address and that was it! It is of my belief that this company has committed an act of fraud as they can not provide me with my signed application or any charges that have been made. We have paid this company at a minimum over {$6000.00} during the past 10 years and I want my money back! | ||||||
| 04/18/2016 | Yes |
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Web | Servicemember |
| In XXXX 2015 we closed on our new home. The mortgage was with XXXX XXXX. The first payment was n't due until XXXX XXXX of 2015. Between XXXX XXXX and XXXX XXXX we got notice from both XXXX XXXX and U.S. Bank that our loan was sold to U.S. Bank. From U.S. Bank we received our servicing transfer notice with the account number on it, but no follow-up paperwork or billing information. XX/XX/XXXX I got concerned about getting a late fee ( not knowing if a mortgage transfer keeps you with the same monthly amount to pay ), with the account number from the servicing transfer notice I opened an online account to try to pay the bill. I was unable to make a payment because the site said that we did n't have a statement. We called the bank to inquire about paperwork/billing information and we were told that a statement was on it 's way and we could do the payment over the phone-which we did. The following months we receive our bills we still have yet to receive any paperwork with details about the loan. One month we were accidentally late on our payment because there were XXXX deaths in our family. We tried to pay online, but had a fee that was n't there before ( we had no notice of any fees with online payments ), my husband called that night to pay online and the fee had jumped from {$3.00} to {$5.00}, I logged back onto the internet the next day and the fee had jumped from {$5.00} to {$11.00}. I wrote a note saying that I would no longer pay online or over the phone any more if there were fees. We were told it was because of the lateness of the payment and how late it was. OK, understandable ( we WERE late after all ), wish we had some documentation explaining this fee scale. XXXX XXXX I make a payment online. XXXX XXXX I receive a letter saying that my funds have been returned due to 'no account. ' Not sure what this means but now we have accrued a {$20.00} fee because this was sent by snail mail and nobody notified us by email or phone call even though that information is available in the account. I 'm assuming this was a mistype on our part when typing our bank information into the system. I got a, email receipt that said that payment was made-so I did n't follow up to double-check. It took 8 days for them to figure out that something was wrong and it took another 7 days for us to find out about it. I do not feel that we have been treated fairly by this bank and when I ask for explanation or help they suggest a call to customer service where we have to explain our situation repeatedly and get no help on the matter. Not even any explanation. I want written documentation about the fees and all fees and late payment information forgiven. Our last mortgage with XXXX XXXX was for over 10 years with no problems. It makes me feel like the problems with this account is not us. Any help is appreciated. Thank you for your time. | ||||||
| 12/06/2023 | Yes |
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Web | Older American |
| On XXXX, I deposited a check for {$860.00} to my checking account at the XXXX XXXX XXXX XXXX. I also requested {$500.00} cash at the time, resulting in a net deposit of {$360.00}. The teller, XXXX XXXX, gave me the receipt upon completion on the transaction, but I did not initially review it. On the evening on XXXX, I reviewed my transactions online and realized the {$360.00} deposit was not showing at all. I looked at the deposit slip and noticed that XXXX XXXX somehow deposited the funds to someone elses account in error. My account ends in XXXX, and the funds were deposited to an account ending in XXXX. Not even close. Please see the attached deposit slip for additional details. On XXXX, my son assisted me and we went to the XXXX XXXX XXXX branch at XXXX to speak with a personal banker and resolve this bank error. Upon entering, it should be noted it was extremely warm and uncomfortable. I observed the thermostat was at XXXX degrees. I asked to speak with a personal banker. The response from an employee XXXX XXXX, was that I could get in line and speak with him at the teller station. After a XXXX minute wait, I spoke with XXXX. It is also worth mentioning that XXXX wore a faded XXXX logo brand red shirt. No U.S. Bank logo, and certainly not a dress code I expected a personal banker would have. I explained the situation to XXXX, who confirmed the error was human error by the teller XXXX XXXX. Apparently the person that received the funds was named XXXX At the time of the deposit on XXXX, both the account number and the customer information/name on the computer screen should have been checked. Multiple serious mistakes were made. XXXX called over his manager XXXX XXXX, who was not wearing a name tag. XXXX confirmed the error to, and provided me a receipt ( attached ) that was poorly written and not exactly official. She stated that XXXX was new and mistakes happen, but he did not appear to be receiving training when I made the deposit, nor have I experienced this issue in XXXX years. My son has worked at U.S. Bank for 7 years and never experienced that. Asking about what can be done to compensate the trouble and anxiety and stress I faced, she only provided her apology. I asked how to file a complaint, she said in the U.S. Bank website. I called where exactly, and she didnt even knowbefore leaving, I asked why it was XXXX degrees? I am XXXX XXXX XXXX and XXXX and stood at the teller window XXXX minutes leaning on it. She said they had no control over the temperature. Odd. As of now, the funds are still pending to be received into my account. This has been such a frustrating experience, and extremely concerning the way it was handled and the mistakes that were made. It is also quite concerning how unprofessionally dressed the employees are, and a manager not wearing a name tag seems extremely strange. | ||||||
| 12/27/2020 | Yes |
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| I have a problem with being charged a {$40.00} late fee when making a payment on the due date, but 90 minutess past the cut off. I sent an email to US Bank on XXXX XXXX requesting a late fee refund and received a reply on XXXX XXXX refusing a refund. My complaint is partly that the fee is excessive at {$40.00} but also unfair in that the payment was made on the due date technically. The receipt I recieved for the payment says it was received on the due date. In another place it notes the time cutoff. I had a late fee the month prior which was waived. My complaint is also that they are making no concessions for COVID. A concession could be a waiver of late fees and not fighting it to this degree. My second complaint is that they are not willing to negotiate so that I can close this account and be placed on a long-term payoff plan with XXXX or very low interest as most of my other credit cards are doing. My family has 3 XXXX XXXX XXXX and 2 XXXX XXXX cards that have been placed on payoff plans like this and those banks made the process to enroll fairly easy. The first time I contacted US Bank to request payment assistance program, I was told that I needed to talk to the Hardship Department. The next time I called which was on XXXX XXXX and asked to speak to the Hardship Dept, I was told that I would not qualify for any kind of Hardship program until I was 2-3 months late. My objection is that the bank is forcing me to choose to damage by credit that I work very hard to build up with NO late pays by letting it go late, then when it does go late by 90 minutes on the due date, they charge a {$40.00} charge. Recently, a button has appeard on the US Bank home page that says " learn about our payment programs. That link takes me to a page where I can select payment programs which takes me to this message : Unfortunately, you are not eligible for any payment assistance offers at this time. We appreciate your business and would invite you to contact us at XXXX. A service representative would be happy to answer any questions you may have. I have talked to a representative twice and they tell me there are no options for me. The reason I was 90 minutes late making a payment was because it was hard to decide whether to let my account go over 30 days late so that MAYBE US Bank would offer me some kind of payment assistance, and ultimately I decided I was not comfortable with not making my payment on time. The attached XX/XX/XXXX statement shows both a payment made by me for {$600.00} and a {$40.00} late fee on XXXX XXXX. I have also attached the payment confirmation message I received online that confirms date and time of payment which was XXXX XXXX at XXXX CT and notes that payments made after XXXX CT will be " processed '' the next day, but does not say that the payment is considered " late '' and a fee will be charged. | ||||||
| 10/21/2023 | Yes |
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| I am filing this complaint against US Bank on the year of 2021 I had opened a U.S. Bank for my upcoming XXXX XXXX. For months I never had and problems with any money transfers or etc with the checking account that was opened with US bank. Many times before this money transfer that was made to me from my brothers Bank of America account in the amount of XXXX was posted and completed to my account on the date of XX/XX/2021. That following day I tried making transfer to my Apartment management to make a payment towards my lease and it was declined when looking into it I learned my account was frozen and would not be able have access to my funds or account into further notice. I then received a letter in early XXXX stating my account was going to be closed due to suspicion with fraud, any balance that was in my account was to be mailed to me in a cashiers check. 2 weeks later I received a check for XXXX cents, confused I was because I shouldve have had still the deposit that was deposited into my account for the amount of XXXX. So where was my money and how can they do that to me? Customer service reps werent able to let me know the reason as to why or where my money had gone or why they were holding it so they asked me to go into the branch I opened up my account originally from so I did branch location ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) they also said my brother with his ID and bank information would be a good idea to have with me as well to confirm the deposit wasnt or had nothing to do with any scam or fraudulent transaction when I got to the branch I asked to speak to the manager and she was very rude to me since the beginning of my visit she did not want to hear anything I had to basically say from my end and basically told me those funds were moved into an account that I wouldnt have any access to and that money was basically never going to be released to me I asked why or if that was even legal for them to do that? They had no reason I had every bit of proof to show my transaction from that transfer had nothing to do with any fraud but she did not care to hear me at all and said to take it as a lost. For years now or a year now I have been trying to find some type of help as to why my money was kept because of this incident I have been struggling financially and am now homeless my brother and I had to go through many obstacles because of this incident and I dont know how I still have not been given any details as to where and why those funds never where paid to me anymore. My brother also tried to file a claim on his end saying the transfer was never received by me because the bank was holding it from me but Bank of America came to the conclusion that there was no need for them to dispute anything with that transfer because the transfer was made and it reached the destination it had to from there end. | ||||||
| 09/18/2020 | Yes |
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| 1 ) I have sent multiple additional payments to USBank CLEARLY MARKED PRINCIPAL ONLY that were applied toward additional mortgage payments/interest against my clear and expressed wishes. I have spent numerous calls and hours with USBank, getting them to manually correct the problem, CFBP Complaint XXXX. USBank insisted I need to use their online payment system and that I can not send a check if I want to prevent this issue. I say it is illegal to cash a check CLEARLY MARKED PRINCIPAL ONLY and to use it to pay interest against my will. However, they changed their online tool to make it easier to make a principal-only payment and I was able to make it work, for a while. 2 ) I made an additional PRINCIPAL ONLY PAYMENT OF {$6500.00} that was correctly applied to principal, using the USBank electronic system, HOWEVER AGAINST MY WISHES, USBank TOOK AN ADDITIONAL mortgage payment, {$2900.00}, AT THE SAME TIME ON XX/XX/XXXX, for a total od {$9400.00} that caused my checking account to go negative, CFBP Complaint XXXX and XXXX ( second complaint filed because it took me a while to figure out the problem ). 3 ) I requested that USBank return the {$2900.00} unauthorized mortgage payment to my bank account ( XXXX ). I did not hear any resolution from USBank, so I reached out to XXXX about returning the {$2900.00}. They said that they could not return part of the single payment made on XX/XX/XXXX, but would have to return the entire {$9400.00}, to which I agreed. XXXX credited me the amount back on XX/XX/XXXX, in advance of resolution with USBank, given my good customer status. 4 ) On XXXX XXXX I received confirmation from XXXX that the money was refunded, and I subsequently made another attempt an an additional PRINCIPAL ONLY payment of {$6000.00}, from my XXXX account directly since the USBank system does once again does not permit a simple principal only payment but instead links it to a mandatory additional mortgage/interest payment. The payment was CLEARLY MARKED PRINCIPAL ONLY. However, once again, USBank applied {$2900.00} to a mortgage/interest payment, and the difference to PRINCIPAL ONLY, against my wishes 5 ) I called USBank once again to complain, and they stated they returned both the XXXX funds of {$9400.00} AND an additional {$2900.00}. However, my USBank payment history does not a ) reflect the refund to CHASE of XXXX nor the refund of XXXX, it only shows that I made the {$6000.00} PRINCIPAL ONLY payment, that they AGAINST MY WISHES applied they said I was late on my mortgage and they also charged me a late fee of {$96.00}. XXXX ) US Bank states they wired back to CHASE on XXXX, {$2900.00}, Par # XXXX, however it does not appear in my XXXX account, and this is not recorded in my USBank payment history. USBank now says it's my responsibility to find where the money is and that I need to call XXXX. | ||||||
| 11/16/2015 | Yes |
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| I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks. | ||||||
| 09/23/2019 | Yes |
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| This complaint is formally filed because on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX titled LENDER-PLACED INSURANCE CONFIRMATION OF NON RENUAL. US Bank Home Mortgage is the institution that I have my mortgage with. The RENEWAL reason given by the mortgage company for the reason for non-renewal was Request of the Name Insured Mortgage. I am concerned with this institution not only vandalized my home, stole all my jewelry and money that I kept in my safe at home while I was working for the XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia. This institution knowingly that I was paying for my own insurance at that time, contacted my prior insurance company XXXX XXXX to tell them that my house was vacant when in fact it was not. Yes, I could have rented it out since I was working outside the area ; however, this action of them to get inside my house ; change my lock from the back of the house and steal from me is unjustifiable. While working for the XXXX, I was the person warranted holding the agency Credit Card with US Bank Home Mortgage. I was in constant communication with this institution while doing a Modification to my house in XX/XX/XXXX and XX/XX/XXXXwhich the modification was never approved and no reason was given. On XX/XX/XXXXmy house was hit by hurricane Mathew and since I was the one paying for my house insurance, I proceeded to file the proper claim. The insurance company paid in part for the repair of my house and the checks sent were sent and endorsed under both XXXX XXXX XXXX and myself. I sent these checks to US Bank to be endorsed so I can provide the proper repair to my house because the City of XXXX XXXX inspectors were taking me to court almost in a weekly basis due to failure to make the repairs. US Bank had told me, that they would not approve any company to do the repairs unless they were Class A Contractor. This caused a delay of the repairs since there were not Class A contractor available at that time. Us Bank refused to allow a license contractor to make the necessary repairs to my home, because US Bank Home Mortgage was the lender mortgage. As a result of US Bank action, I was fined by the court which I am now appealing to the Virginia Court of Appeals. I need this complaint to be investigated as to why all the harassment and the fact that I have been paying my mortgage which in the past US Bank Home Mortgage has returned to the XXXX XXXX, the institution that I bank with. I am enclosing the prior complaint and attachments as well as the letter received from US Bank Home Mortgage cancelling my insurance effective XX/XX/XXXX, at XXXX XXXX. Lastly, this situation and prior actions from US Bank Home Mortgage only confirm what I suspected from the beginning ; US Bank wants my home at all cost ; however, I have invested a lot on my home and have a lot of equity invested in it. | ||||||
| 04/25/2019 | Yes |
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| I have been upset by the high interest rates and high fees of 3 credit cards I have with US bank in addition to the bank 's sudden drop of my credit limits on one visa. Also, I wish to report the non existent customer service of this bank and the only call center employee who ever answers my calls, XXXX. This self hating man is prejudiced, inflexible, and low spirited. He sounds more like a criminal than a customer service person. Last time I spoke to him was tonight XX/XX/2019 around XXXX. But here I will concentrate on other 3 problems. 1- I learned tonight that US bank is charging me over 25 % for one visa, over % 23 for another, and over % 21 for a third because the bank 's assessment is that I dont have the means to pay my debt! If this is the reasoning, then US bank is made up of psychos who hope with higher interest rates on someone with difficult situation, they make sure the person never meets their obligations. Here I am asking that US bank fires such psychos in the underwriting department and hires people who can help us get lower interest rates such as 5 % so we can pay our bills. The other problem of US bank is that it has charged me several times {$38.00} fees for late payments. I want all of that stolen money returned to me. I have indeed never been late. The problem is that the bank considers central time for the closing of its banks as the cut off time while for me living in CA and other States, its difficult to always remember central time. Just like other banks US bank should follow an exact schedule rather than a confusing cut off time. Additionally, in or around XXXX to XX/XX/2019, the bank had a failing website. For example, in XXXX I had completed my payments on the site but later I found out the site wasnt working and my payments never went through. So I was charged {$38.00} and the belligerent call center men in Idaho denied me the return of my dollars even if I had proof of how i was mislead by the site. The third complaint is about the belligerent treatment I received from US bank underwriters who reduced the credit limit of one of my visas and hiked my interest rates from already high % 17 to higher % 21-25. The real reason for this increase was that shortly before I had called a phone number on TV promising to help consumers lower their credit card interest rates! Although the phone call was purely informational, and I never intended to hire that company, the US bank acted in retaliation by reducing my credit limit and raising my interest rates. The unethical behavior of US bank employees has disgusted me especially their rudeness to disregard my appeal. Last but not the least, Im asking the company to diversify its customer service to beyond Idaho and prejudiced self hating men in call centers. There are many good people all over US who need jobs and US bank could do much better. | ||||||
| 01/08/2024 | Yes |
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| I purchased {$1600.00} worth of gift cards from XXXX on XXXX XXXX, 2023. XXXX clearly had published on their website, that the denomination of gift card I had selected was {$100.00}. The purchase price for the {$100.00} gift cards, was listed as {$50.00}. But for XXXX listing, I would not have purchased {$1600.00} worth of cards, which totaled XXXX {$100.00} denomination cards. XXXX then sent me XXXX x {$50.00} gift cards on XXXX XXXX, 2023, which is a non-conforming good which I did not accept. I tried to resolve this by calling XXXX the same day they were delivered. XXXX told me that I could not get a refund or return the cards per the XXXX terms and conditions. However, XXXX terms and conditions do not mean that I accept the liability for the cards if the cards are not the proper denomination. I called XXXX again the following week to no avail. They told me it was a mistake and offered me {$25.00} in credits, which I reject. Whether or not it was a mistake that XXXX listed the card amounts wrong, they want to stick me with a purchase I would not have otherwise made. This is not reasonable. I then started a dispute with my card issuer, Fidelity Visa. They told me that they agreed with XXXX and ruled against me, citing that the receipt for the purchase equals XXXX x {$50.00} amounts. However, I asked them if the receipt shows the card denominations and they confirmed to me that the receipt does not. So the receipt merely reflects the purchase price of the cards, not the denomination which should have been issued ( I.e. {$100.00} x XXXX ). They then told me I didnt submit adequate proof, even though I had sent a screenshot of the {$100.00} denomination selected and the purchase price of {$50.00} on the XXXX XXXX. The agent, named XXXX, told me that even though the {$100.00} denomination was selected, there were other denominations that one could select. I asked how that is relevant because I didnt select the other ones, I had selected {$100.00} and also asked for a further explanation on how the XXXX XXXX was proof against me if it didnt show the denomination purchased. The agent then hung up on me, apparently unhappy that I was questioning my own dispute. Bottom line is, I was induced to purchase XXXX cards because of XXXX offer, and they want me to be stuck with the {$50.00} denomination cards instead of the {$100.00} cards as advertised, and I will not pay for them. I've attached the proof that XXXX listed {$100.00} denomination cards for {$50.00}. I've also attached one of the receipts for 10 cards as a sample of all the receipts ( I made the orders in like 6 different orders so no need to post them all ). The receipt clearly shows the total charged but no denomination amount - XXXX trying to claim that they shipped what I selected is blantantly false as I've showed. Fidelity Visa refused to see the logic. | ||||||
| 11/14/2023 | Yes |
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| On XX/XX/2023 I deposited {$1000.00} ( XXXX {$100.00} bills ) to my US bank account the atm said it couldnt do the deposit and spit {$210.00} back XXXX XXXX XXXX bills and {$16.00} in a {$10.00}, {$5.00} and XXXX XXXX $ bills. I immediately went inside the branch they let me know the ATM was from a 3rd party who had to come down from XXXX XXXX Texas to open it and get my money back. They did not shut down the ATM and several people used it after me. I did tell XXXX patron to be careful depositing because in essence it was keeping the deposits she was able to get {$20.00} out no problem. I have since only been credited {$560.00} and was told I didnt need to repeat myself XXXX explaining their numbers aren't adding up {$210.00} is still missing and was told thats all that was found in the atm. Im curious is there not cameras because if there is they should be able to see XXXX {$100.00} bills that were deposited. I now have to wait up to 45 days for this to be resolved I dont understand how Im being treated as if I did something wrong I deposited money in an atm like i have so many times before and if my money is ever returned its at least returned in the denomination of which it was received. I cant wait that long for my money it took a matter of seconds for the atm to steal that money and I have to wait over a month to get any type of credit that is unacceptable. I already waited 12 days for a partial credit where is the rest. I can not afford to lose out on any money im already struggling that money goes far for a single mom of XXXX. I need my account credited properly its not my fault their ATMS are faulty and I have NEVER. Experienced this before and noone can answer where did the XXXX $ come from when i did NOT deposit that denomination of XXXX $ bills. I am not a XXXX XXXX XXXX corporation I can not afford this in any capacity Im tired of being transferred to no-one who helps or seems to care to help. They are making it sound like i just have to be out the {$210.00}! Absolutely not this is theft and i am inclined to get anyone involved authorities included it cant be legal to keep money that does not belong to them. My rent is {$970.00} to {$1000.00} deposit was literally to pay our housing and I couldnt even get this resolved in a proper time frame my rent was due on the XXXX i was just trying to pay my rent w few days early not XXXX weeks late. I need this to be resolved properly and that definitely wasn't done correctly the first time around the credit should have been {$780.00} not {$560.00} the math isn't adding up and I need proper resolution not this semi credit I didnt semi put {$560.00} dollars in thats not enough to cover my rent even with the XXXX $ from the deposit that was actually deposited please help this company should not be able to do this to ANY consumer struggling or not this is theft! | ||||||
| 03/20/2022 | Yes |
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Web | Servicemember |
| US Bank Stole {$6200.00} from my business account. On XX/XX/2022 US Bank deducted {$6200.00} from my business account without any prior notice by phone, email, or letter. I called US Bank customer service on XX/XX/2022 and was advised that the {$6200.00} was a reversal of a previous credit issued on my debit card. After several more phone calls I was advised to submit documentation regarding the claim filed which I did through the local branch on XX/XX/2022. On XX/XX/2022 I was advised by customer service representative XXXX that the case had been resolved and that the {$6200.00} would be back in my account within 24-48 hours. On XX/XX/XXXX, I called once again and was advised that the information I had been given by XXXX on XX/XX/2022 was not accurate and that my case had still not been looked at but it had been escalated to a supervisor named XXXX. I asked for XXXX information and phone number and was told that nobody has access to the dispute personnel not even branch managers and that I would be contacted within 24-48 hours if more information was neccessary. On XX/XX/2022 I received a phone call from dispute supervisor " XXXX ''. XXXX said because the documents were not sent in within US Bank guidelines the {$6200.00} would not be returned back into my account. I asked if the money was being returned to the merchant and XXXX advised that it was not and that US Bank would be keeping the money. XXXX was very beligerant and her attitude was very non-chalant. XXXX said there was nothing more she would do and if wasn't happy I should send a letter to XXXX XXXX the bank President in North Dakota. I asked XXXX to confirm the address that the document request was sent to and if the call was being recorded. She said in fact the call was being recorded and on the recorded line she read me back the address that DID NOT include my suite number which is why I never received the document request. I asked her also why it was ok for her to call me and tell me US Bank was keeping {$6200.00} but they could not give me a courtesy call to let me know that they needed additional documentation to support my case for {$6200.00}. In a very beligerant manner XXXX replied that supervisors never called out for information and it would be impossible to call given she had over 100 cases per day to look at. XXXX also went on to say that the document letters are auto-generated and the revocation is automatic if the deadline expires without receipt. This appears to be an effective strategy for US Bank to steal thousands of dollars from their account holders and a criminal investigation should be done by the FBI for wire fraud and bank fraud. I will be sending letters to the Attorney General in Arizona, North Dakota, and MN to advise them of my situation as well I will be copying my local Rep Congressman XXXX and XXXX XXXX. | ||||||
| 02/13/2019 | Yes |
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| When I signed up for banking with US Bank in XX/XX/2018, I said 'no ' to overdraft protection. This was presented to me as a blanket option, under which all transactions made against my credit card, debit card, and checking and savings accounts would be denied and I would therefore not be charged a fee. On Friday XX/XX/XXXX, I made 2 mobile deposits to put money into my checking account in preparation for a credit card payment I wanted to make on Saturday XX/XX/XXXX. The balance in my checking account after these deposits was {$4800.00}, and I submitted a credit card bill against that checking account for {$3600.00} on Saturday XX/XX/XXXX. I was unaware that the other user on the account also submitted a credit card payment against the checking account for an amount of {$2400.00} on Saturday. On Monday XX/XX/XXXX, the bank paid the other user 's credit card bill of {$2400.00} and then overdrafted my payment of {$3600.00}. The bank did not attempt to make the payment against my credit card bill, and yet the amount of {$3600.00} was taken out of my account and then returned on Wednesday XX/XX/XXXX, in addition to an overdraft charge of {$36.00}. I called US Bank on Tuesday XX/XX/XXXX to address the issue with them and asked why I had received an overdraft fee when I had said 'no ' to overdraft coverage when I created the account. While on the phone with the customer service representative, XXXX/XXXX, I read from the agreement I had signed with the bank, which stated that : " ... if you have chosen No you will not be charged an Overdraft Paid Fee. '' She responded to me and said : " Yes, we have customers confused about this and calling to us often ... '' and then proceeded to explain that the charges were allowed under a bait and switch tactic, in which the bank allows you to choose 'No ' when you first sign up, but fails to mention that you must specifically request 'No ' for overdraft protection on certain accounts in order to avoid the charge. The way that this was explained to me was very disheartening. I try my best to understand my finances and make knowledgeable choices about my financial health. I have never missed a credit card payment before and the credit card company dropped their own returned check fee when I called them. Since the bank is trapping many customers in this loophole concerning overdraft fees on certain accounts - even after customers have specified 'no ' - I believe they should refund my {$36.00} and discontinue this malicious and misleading practice. If I had known that my 'no ' didn't cover all of my accounts from overdraft fees, I would have kept saying 'no ' until it did. Before I got off the phone with XXXX/XXXX, I asked her to please extend my 'no ' to any account that hadn't been covered the first time I declined overdraft coverage. Thank you very much for your assistance. | ||||||
| 07/27/2018 | Yes |
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| Regarding Fidelity Rewards Visa Signature Card A small purchase ( {$40.00} ) was denied by card issuer on XX/XX/2018. My wife called card issuer customer service and was asked to verify her identity by answering multiple questions ( as usual, address, SSN, credit limit, etc. ) She was told that an unidentified individual had contacted the card issuer by phone on XX/XX/2018 and had made a change to the account in so far as a new personal phone number had been entered, and therefore fraud was suspected. The representative informed my wife that the card would be " blocked '' until one of the card holders could appear in a Fidelity office in person to verify the account. On XX/XX/3018, I personally appeared in the Fidelity office in our local community and in a conference call between myself, the local fidelity rep, and a credit card service company " fraud '' representative I was asked to review recent purchases. I was informed that two purchases had been made with the card on or about XX/XX/2018, one in the amount of {$990.00} which was clearly a fraudulent purchase. ( even though we had previously been told the card was " blocked '' ). The credit card rep then when on to verify account information including the " new '' personal phone number, which of course I identified as fraudulent. She stated the account would be closed as of that date and new cards with a new account number would be sent to us within two days. On the third day after that conversation no new credit cards had been received. I once again called customer service and the rep used tracking information to confirm that the cards had been delivered the day before. When I asked the rep to confirm the delivery address, I learned that the cards had been sent to a fraudulent address entered on the account on XX/XX/2018 at the time that the fraudulent phone number had been entered! And I would presume that the fraud complaint form was mailed to that address as well, since I have not received it at the correct address, thus alerting the " fraudster '' to the entire sequence of events! Clearly the second representative, who interviewed me in the Fidelity office, failed to verify or document all the pertinent account information ( specifically the account address ). Another account number and new cards were offered but after discussing the events with both the credit card fraud department and two supervisors in that department, I decided I did not want to continue as a customer and asked that the account be closed. I expect to have all fraudulent charges charged off but I do not as yet have confirmation. So the issue is " resolved '' but I think the errors made by two credit card representatives have put much of my personal information at risk. And the company informed me it was MY responsibility to alert my local police department to the fraud. | ||||||
| 04/27/2016 | Yes |
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| This is the second complaint of XX/XX/XXXX. My complaint is on US Bank, we have been trying for over two years now to file for modification. We were given one modification XX/XX/XXXX and we paid two full months of the modification. The bank cancels our modification, through their own miscommunication, which they admitted. We have been applying for a second modification since XX/XX/XXXX, our house is now in foreclosure with the sale date of XXXX XXXX at XXXX XXXX XXXX. Since XX/XX/XXXX we have had a total of XXXX different case managers, with this foreclosure the bank is stated that we have made no payments which is incorrect we did pay the two modification payments before they made a huge mistake, we can not get in touch with the case manager we have been ohoning as much as two and three times a day with no returning phone calls. We get information from XXXX different areas of US Bank the obvious of one hand not knowing what the other is doing. We fell on hardship in XX/XX/XXXX, my husband has complied to every article of information as needed. Repeatedly over and over enduring each new case manager. I have now filed a complaint with the XXXX for the concussion syndrome for my husband. We obviously want to keep our home, we have had this battle since XX/XX/XXXX. For the pain and anguish that we are enduring is there not a statue of limitations on this abuse? The bank is admitted to making several mistakes, The bank has applied the wrong amount of money to the simple principle there are countless errors which are all stated in my previous complaints. I will keep filing complaints with you because of US Bank the consistent abuse is published over and over and there has been no retribution for the homeowners trying to save their home. I have researched all the rules all the manner in which the time limits that the bank is supposed to comply to. Now the bank wants to make us look as if we have done nothing and all we have done is comply to every thing they have ordered us to do. The banks irresponsible actions should have a time limit to protect us from having to endure this foreclosure we need your help. This is a classic case of abuse U.S. Bank the negligence the inconsistent information, The undoubtedly replacing of employees should show a huge reason for the injustice that U.S. Bank is serving on us. I have contacted you, my Congressman and my governor and I 'm going to go the route again because this abuse is not fair to us who are trying to save our home. Please help, our case is exactly why this bureau was created and we truly need to see that it does stand for justice. Plus having to deal with all of the creepy companies stating that they can help you for money. Because all of this is published everywhere for anyone to find, and all we have done is comply to every request placed on us by the bank. | ||||||
| 10/02/2020 | Yes |
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| I obtained a loan through US Bank Home Mortgage in XXXX, XXXX. I have gone through XXXX bouts of XXXX, mutilple modifications, and a XXXX Judicial Foreclosure Proceedings and battle with US Bank 's attorney, through Asset Foreclosure Management XXXX XXXX of Alleigant Law in approximately XXXX. Since then, despite paying and currently living in this home, I've been paying through modifications and currently am current and outside of modification. I've paid property taxes. I am current on my mortgage yet CAN NOT find a record in ANY of the XXXX credit reporting agencies for my mortgage. I have been XXXX twice since XXXX and have been in modifications, but have consistently been the owner of record in the XXXX XXXX XXXX department. I have never refinanced my loan and have had to pay for an attorney fees to get back in my home after moving out after an assault inside my home that led to my first bout of XXXX. Despite defaulting on XXXX fees, and their attorney fees as a result of the judicial foreclosure US Bank brought against me. I now owe $ XXXX more because my account has never been updated to reflect that I'm current. I don't understand how it's possible to be this far behind and have not indication that I ever had a mortgage through US Bank through any of the major reporting bureaus. My credit report has suffered significantly because of lack of financial stability, despite having this condo for XXXX years. I am now in a second bout of Federally approved XXXX and live on a very low income, during a global pandemic AND I'm still CURRENT on my payments. I'm an XXXX XXXX, single woman without a college degree, a deep trauma recovery survivor, a survivor of a very recent medical and XXXX discrimination and criminally harmed on XXXX of XXXX. SOMEHOW, I'm still alive and just realized the one good thing in being a homeowner I have is not even valid. And US Bank National Association has strung me along for the last time. Please look into this. I'm not lying. I have proof of everything attached. I was a legal assistant and submitted all records to US Bank during the ENTIRE process of the Oregon Foreclosure Avoidance ProgramXXXX XXXX XXXX XXXX XXXX XXXX That is where I met the banks representative, XXXX when she was under the law firm Law office XXXX XXXX XXXX XXXX XXXX Foreclosure was her business name. The agency took control of my condo for several years of my condo and I rented at far more than the cost of my mortgage from approx. XXXX through XX/XX/XXXX. Plus I had to move a total of 3 times to get back to this place and pay for movers. I could not handle rectifying this matter at any other time except that it is distracting me from the newest trauma by advocating and rightly defending myself here. I greatly appreciate your assistance with this matter. Thank you very much, XXXX XXXX XXXX | ||||||
| 04/03/2023 | Yes |
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| I went to deposit the {$120.00} in the ATM at US Bank XXXX XXXX XXXX XXXX ( it was XXXX XXXX and the lobby was closed ). I selected to deposit the cash in the ATM ( XXXX - {$20.00} 's ) and when the cash was pulled into the machine there was a longer wait than normal while it was trying to proccess my cash deposit. Then it said " A machine error has occured, unable to complete deposit ''. It printed out a receipt with no dollar amount stating " a machine error has occured, we are unable to credit your account ''. So it took the entire {$120.00} and did not give it back. I immediately called US Bank customer service and they opened a claim. They said it could take up to 10 business days to investigate and get my money back. I need to file this early in the " investigation '' because I am certain I will not get my money back, and I am furious. All I have is a receipt that shows NO dollar amount verifying how much I tried to deposit, I'm pretty certain they have no way to actually track it in the machine and verify the amount I lost.. This has devastated me. I receive GA every month ( {$120.00} ) which I always deposit into my checking account at US Bank, once I withdraw the cash from my XXXX card ( at XXXX XXXX XXXX there is no surcharge ). That WAS THE ONLY MONEY I HAD TO MY NAME!, and now it's GONE and I am SCREWED because I needed that money urgently for personal needs and a couple of bills. This is just WRONG and UNACCEPTABLE for ATM 'S that are designed to handle check/cash deposits to make errors like that and to just keep the money. This same thing at the same ATM did the same thing last summer when I tried to deposit {$100.00}, the ATM " ate '' the money and a claim was filed, I got it back. because the ATM was able to give me a receipt that showed {$100.00} deposit but not credited to my account. I thought that incident was just a fluke, because I have made a bunch of smaller cash deposits in the same ATM since then, including a {$25.00} cash deposit the night before and it worked just fine. THIS TIME, it ate the ONLY money I had and just gave me a receipt with NO dollar amount so I guess I am out {$120.00} dollars and I desperately needed that money, and I am really suffering because of this loss. I strongly suggest US Bank customers not to use their ATM 's for depositing cash/checks, they take your money and you don't get it back. Another customer a while back told me in passing that that particular ATM doesn't work right. So if they knew their ATM had issues why didn't they fix it??? Malfunctions in ATM 's like that with no measures in place to eject the money back out in the event of an 'error ' is unacceptable. This error has caused significant problems for me and I am really suffering because of it, and this should not ever happened in the first place, I need my money back ASAP!!! | ||||||
| 01/05/2023 | Yes |
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Web | Servicemember |
| Back in the XX/XX/XXXX, my mother and I went to the US Bank branch in XXXX, Ohio to add a beneficiary to the account. That's all we inquired about and then signed up for what we needed. Then in XX/XX/XXXX, a mobile transfer credit was not authorized from savings to checking between these accounts after checking the statements online. We immediately went to the branch to close both accounts and start again due to fraud activity with fresh new accounts believing these old accounts were closed. After 6 months, we received only one bill from US Bank for the closed checking account in the amount of {$170.00} without any regard as to what it was for or an itemized summary of the charges. After calling the number listed on the bill and getting no answers as to what equates this charge, we find only the amount is now {$170.00} on a Reserve Line of Credit and should go to the branch. We immediately went to the bank branch on XXXX XXXX in XXXX, Ohio, to figure this out. Mind you, my mother and I have been getting strange calls claiming to be US Bank, calling back to be asked for our account numbers (? ), social security numbers or just to simply to call back and just leave a message. ( We did not divulge any personal information. ) I left a message about two weeks ago from the US Bank Fraud Department XXXX ( name and number only ) and have not heard back since. Mind you, the branch could not verify this number originally ONLY after my second visit in XXXX regarding this Reserve Line of Credit. Nonetheless, the branch informed us apparently, the old account was not closed AND a Reserve Line of Credit was added to the closed checking account without our knowledge. The branch could not give us an itemized summary of these charges. After coming home, hunting and pecking with rude US Bank customer service regarding this charge, this bank, for example, added a deposit on XX/XX/XXXX, in the amount of {$50.00} via the Reserve Line of Credit as well as numerous late fees since the close of the account we knew nothing about totaling {$170.00}. Again, on a CLOSED checking account? I also received a strange letter on XX/XX/XXXX, informing us the old checking account needed to be closed by XX/XX/XXXX? In summary, there was no reason to even sign up for this so called Reserve Line of Credit when originally we were merely adding a secondary name to the account in XX/XX/XXXX and just merely opened fresh new accounts in XX/XX/XXXX due compromised accounts. Furthermore, we were told the old checking and savings account were closed due to fraud activity as of XX/XX/XXXX the minute we opened new accounts. It has been noted that there have been fines for this bank illegally exploiting personal data while opening sham accounts like Reserve Lines of Credit for unsuspecting customers and we are one of them causing us undue grief. | ||||||
| 01/08/2024 | Yes |
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| I will upload this as a XXXX in case the formatting gets lost : 1. US Bank has yet to answer the question Where did my line of credit come from? Yet they continue requesting I send them Federal Reserve Notes, as though they have actually loaned me anything. 2. They repeatedly keep my tender of payment while claiming they can not accept my tender of payment. 3. They repeatedly refer me to the Cardmember Agreement, which has been established as fraudulent, as it is based on the fraudulent premise they have provided me with anything of consideration. Fraud vitiates everything, from inception. 4. I have repeatedly returned their fraudulent Cardmember Agreement, along with other letters requesting Federal Reserve Notes ( which they have yet to prove owe ), instructing them to stop mail fraud. However, they continue sending me said fraudulent documents through the mail, while knowing theyre engaging in mail fraud. 5. UCC 3-603. TENDER OF PAYMENT states If tender of payment is refused, there is discharge, to the extent of the amount of the tender Thus, US Bank is in violation of approximately {$10000.00} worth of discharge owed to my account. 6. The refusal of tender of payment, a Bill of Exchange, constitutes Dishonor, giving rise to my right to seek remedy for Breach of Contract. 7. I have explicitly forbidden them from sharing any negative and identifying information with any 3rd party, such as the credit agencies, and yet US Bank continues sharing my personal information having a negative impact on the credit reports. This constitutes identity theft and violation of my privacy. 8. In addition to their violation of identity theft and privacy laws, US Bank is also sharing FALSE information, as I have never missed a tender of payment and have not used my credit card in a few months- yet they repeatedly report late/past due payments as well as a high balance and high credit utilization. 9. I did not authorize US Bank to close my account. On the contrary, I forbade them from doing so in numerous correspondences. Due to US Banks failure to perform on my tender of payment, I have not had access to my line of credit in months ; and now they have categorically restricted all access to my account. There are more violations ; however, for the sake of brevity, I will not list them in this particular section in this particular complaint. For the Record : I hereby opt out of any Arbitration Clause I may have unknowingly - or even knowingly- opted into. I do not wish to resolve disputes with US Bank through Arbitration. Again, I reject the arbitration clause in the US Bank Cardmember Agreement and any other contracts/agreements that I may have previously agreed to. This opt-out remains in effect even if US Bank can demonstrate their Cardmember Agreement to be valid. Thank You for noting my account. | ||||||
| 10/19/2021 | Yes |
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| On XX/XX/XXXX, I called in to request mortgage assistance. At this time my XXXX or XXXX payments had not been made and I know I needed help. I had already had one 30 day late reported to my credit and didn't want to go 60 days late. In XXXX we had come down with XXXX, us and our XXXX kids for almost the entire month. That put us behind on everything. Mortgage companies have been helping people with this. I called in and went over everything that happened to put us behind and all our financial information and she said that we could put our loan into forbearance until XXXX. She tried to get our current late payments waived but they weren't able to do that. I was happy just to have some relief to help us get caught up. I accept the forbearance and we hang up. In mid XXXX, I get a threatening letter stating my account is delinquent and failure to bring it current will result in foreclosure. This wasn't making sense to me since I had just put the loan into forbearance. I called in again ( waited on hold for about 45 minutes ). Finally got someone on the phone. Told her what happened and she kept asking if I wanted to extend my forbearance. I explained to her that I called in and last month and it should be good to XXXX. I shouldn't need to extend anything. She said I wasn't currently in forbearance. She then put me on hold and looked into it. I guess they weren't going to start my forbearance until XXXX. I don't understand why since my hardship is right now. Now I have 2 mortgage lates on my credit and additional late fees. She also was semi laughing at my problem and didn't want to be helpful. I asked her to please explain if my forbearance starts in XXXX, what happens with my XXXX, XXXX, and now XXXX payments that weren't made. Do they get included in the forbearance or how does that work? She couldn't or wouldn't explain it to me. She then hung up on me. There was no attempt to call me back to help get my issue. So again I call back in and wait on hold for 48 minutes. I finally get someone helpful on the phone that says my account unfortunately had a system error or is stuck in the system and it's not showing the forbearance on their end. He put in a request to get it fixed but wasn't able to tell my any further information other than to call back in 5 to 7 business days. I'm told that unfortunately they can not help me resolve the mortgage lates on my credit or waive the late fees. Neither one should of happened. I'm trying really hard to be patient and wait the 5 to 7 seven business days for them to fix their system error and then for me to call back in, wait on hold again, and then possibly find out why they didn't start the forbearance until XXXX and what will happen to the now 3 payments that I'm behind. Will I get to keep my house? Who knows. I feel that they do not care and are not helpful. | ||||||
| 12/01/2015 | Yes |
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Web | Older American |
| On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender. | ||||||
| 09/11/2023 | Yes |
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| Credit Card through US Bank was used to purchase a service from XXXX ( Online ) but the transaction was paid for using XXXX ( installment agreement service ). The total amount was {$370.00} and the down payment of {$93.00} was required in order to complete the transaction. The remaining balance {$280.00} was then agreed to be paid for using XXXX in the subsequent XXXX months. That is, the {$93.00} down payment was paid to XXXX using US Bank Credit Card and XXXX paid the whole transaction of {$370.00} to XXXX. Less than XXXX hours later, the whole transaction has been cancelled with XXXX and receipt for cancellation and complete refund has been provided. Days have passed and noticed the charge of {$93.00} from XXXX ( down payment using US Bank Credit Card ) has not been rescinded from the Statement. We reached out to XXXX and was guaranteed that they may take about XXXX days for the charge to be completely removed from the account since it was refunded by XXXX and they do confirm and validate the cancellation of the transaction. Days later, the transaction was removed from XXXX 's Past Transactions, similar to what were informed with. However, the charge with US Bank is still shown on the Statement. A whole month has passed and the Statement Balance was paid with US Bank, including the {$93.00} charge that was supposed to be returned since the original merchant refunded the purchase. Multiple calls have been completed with US Bank regarding the charge, we have spoken with the XXXX XXXX and currently speaking with the XXXX XXXX Supervisor to no avail. US Bank states -- XXXX sent them a letter saying they are unable to refund the transaction per the Terms Agreed upon. We requested for the same copy they received ( about last month ) and still have not received said copy of Terms. We have offered to do a XXXX XXXX call with US Bank and XXXX, so XXXX can verify and confirm what we have been telling US Bank that XXXX has refunded the purchase and closed the transaction, but US Bank remains unwilling to participate. We have spoken as well with XXXX XXXX, XXXX, who was asking for the confirmation of refund from XXXX -- and that was faxed over as well, but US Bank is still standing their ground in saying the information we provided ( the official refund receipt of transaction from XXXX 's main website does not suffice ), thus they are still unwilling to process the refund. We need assistance in resolving this dispute with US Bank. We have been compliant in anything and everything they have asked for as proof of the refund, yet US Bank has been prolonging the ordeal and has only been incongruent and vague about the whole refund process. The refund has been cleared, completed, and validated by XXXX and XXXX, however US Bank holding on to {$93.00} payment and is stating the refund was not issued. | ||||||
| 07/20/2022 | Yes |
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| In XX/XX/2022 I informed US Bank of a fraudulent charge to my checking account. This charge led to an advance being issued to my checking account from my US Bank Reserve line. My first conversation with US Bank ended when the agent informed me that I was deceased, and that I would need to physically bring a copy of my own death certificate to a US Bank branch in order to have my account closed, and then hung up on me. I called back and received instructions to dispute the charge, and I submitted the necessary paperwork to dispute the charge to US Bank and it was reversed in my checking account. I instructed US Bank that I wanted to have both checking and reserve lines closed upon resolution of these items, and specifically provided instructions that any funds should be returned to the Reserve Line prior to closing the accounts. I learned afterward that US Bank disregarded my instruction to have balances resolved in the accounts prior to closing them, and the Bank began to issue me late fees for the balance of the Reserve Line account. At the time, the only balance in the Reserve account was the amount that US Bank had advanced to my checking account. They claim to have issued a cashier 's check with my funds but as their records will show that check has not been deposited. I have spoken with nearly 20 representatives of US Bank in a three month period trying to resolve their processing errors and collect the balance of my checking account- which should have been about {$7.00}. This is now between 8 - 10 hours of my own personal time. US Bank has reversed multiple late fees, and I have personally paid the balance of the Reserve line, despite not having received any of the funds that were in my checking account at the time it was closed. I have learned that as I have worked with US Bank to try to resolve their initial error that they have reported my account as delinquent twice to credit reporting agencies. Since discovering the initial error, I have informed multiple representatives of US Bank that this error needed to be resolved definitely before any credit agencies received inaccurate information as a result of US Bank 's mistakes. I have found not a single person at US Bank that can take ownership of the mistakes that have been made to date, or drive for resolution of their inaccurate reporting to credit bureaus, or ensure that a check is sent with the amount US Bank owes to me. Every associate either informs me that I have the wrong area. Several have simply hung up on me. Multiple times I have been transferred to an area where the phone was answered and I was hung up on without anyone speaking to me. The telephone number listed for Consumer Report Disputes is not monitored. I have the direct line to a manager in their customer service area, who will not return my phone calls. | ||||||
| 02/15/2023 | Yes |
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| On XX/XX/XXXX, I placed an order with XXXX in the amount of {$170.00} which was not delivered. ( Order # XXXX ) XXXX tracking ( XXXX ) shows it was returned to the sender. XXXX did not notify me of the issue. The item was a XXXX gift and I did not become aware of the issue until XX/XX/XXXX. This FIRST order included a credit of {$21.00}. On XX/XX/XXXX I placed a SECOND order ( Order # XXXX ) for a similar item in the amount of {$170.00} so that my daughter could have her XXXX gift, and this item was delivered on XX/XX/XXXX. I contacted XXXX and asked for a refund for the first purchase. They also agreed to apply the previous credit TO THE SECOND ORDER. They immediately issued amount of the credit to the second purchase, XXXX ( XXXX plus CA sales tax ) because the original purchase had this discount. However, they said they would not issue the refund of {$170.00} until they completed an investigation with the shipper. XXXX at XXXX ADVISED ME TO DISPUTE THE CHARGE. The Performance Lead ( XXXX ) at XXXX documented these statements in an email which I provided to my credit card company with my other documentation. XXXX still has not refunded the full amount of the undelivered purchase because apparently they have no internal system of dealing with their errors. The credit card company ( Fidelity Investments through Elan Financial Services ) is taking XXXX 's word that the refund of {$21.00} was towards the FIRST order rather than the SECOND and will not refund the full amount. I am asking that I be made whole in my dealings with XXXX, a company which has not followed through on its commitments and has no internal processes to protect its customers from unnecessary grief and hardship due to their sloppy and incompetent performance. The FTC says the seller of an item which is not delivered must refund the payment to the buyer and deal with the shipper separately. XXXX is in violation of this law. I provided Elan Financial Services with FULL DOCUMENTATION on this matter, including email, purchase receipts, and tracking information, and they still have not issued a complete temporary credit to my account while they wait for XXXX to approve the credit. I am asking that Elan Financial Services properly apply the {$21.00} credit to the SECOND Vitamix charge and refund the ENTIRE {$170.00} for the UNDELIVERED FIRST PURCHASE. I paid for a replacement gift for my daughter because of the XXXX holiday. Otherwise, I would have waited to work out the details with XXXX over the phone before placing a second order. No one answered the phone at XXXX when I decided to place the order in the hope that the item would arrive while we were still visiting with my daughter. Needless to say, it took XXXX weeks for delivery, so all was in vain. Just because the XXXX order was never delivered does not erase that credit. | ||||||
| 11/23/2020 | Yes |
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| In XX/XX/2020 we called our original lender ( US Bank ) to inquiring about refinancing our mortgage. By XX/XX/XXXX we had provided all the information they requested. They sent disclosures, requested an application fee ( which we paid ) and ordered an appraisal which was done in XXXX. By XXXX we had not heard anything so I followed up with the loan officer, which I was told underwriting had a few questions on our information. They sent us the questions the next day and we responded like wise. A couple weeks later still no response so I followed up again. I was told we had to resubmit bank info and pull credit again as 60days had passed. We complied and waited. Again, after a few weeks, followed up and was told they were waiting on subordination to our equity line. It had a XXXX balance so should not have been an issue. On XX/XX/XXXX I reached out to them again and was told they had received the subordination but needed to pull credit and new bank statements again as 60 days had passed again. We were frustrated but we agreed. I was told closing should be in a couple of weeks. After several emails to the proscessor and loan officer being ignored, I called the 1-800 customer service number and explained I had a complaint and wanted to talk with supervisor. Originally they tried to send me back to the loan officer but I declined and insisted I get a member of management. On XX/XX/XXXX the processing supervisor called. Apologized and indicated I was waiting final approval, should happen the next day and would call to inform once formal approval was received. I never heard back from the supervisor ... her name was XXXX in Kentucky. A week and a half later I called customer service number and asked for another supervisor. This time I was given the supervisor of the loan officer ... XXXX XXXX. I called and left a message but my call was never returned by the supervisor. The loan officer did reach back out on XX/XX/XXXX to inform me it still had not been approved. Then, on XXXX XXXX, my husband sent an email indicating we wanted to either close asap with no origination fee being charged or give us our application fee back and waive any other charges ( like appraisal fee ) and we would take our business elsewhere. They did not respond to his request regarding waiving of fees but said underwriting just had a few more questions which ended up being the same questions we had addressed in XXXX. I pointed this out to them and even sent the email we had provided. I pointed out they had failed to communicate to us and respond in a timely manner and I was filing a complaint. We have great credit, and equity and expense ratios are not an issue so underwriting for this credit should be very easy. We are very frustrated by the extremely poor communication and 6 month lag in processing a strong credit request. | ||||||
| 08/13/2015 | Yes |
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| Opened an account at u.s. Bank online not even a month after opening the account my card was compromised I freaked out and called as soon as I saw the authorizations pending the guy on the phone told me they were just authorizations and that they would fall off in three days they did n't fall off a few days later they posted to my account so I called again this time livid that I had been lied to but this was only the beginning of the lies the gentleman shut down my card I told him I would not be comfortable depositing anything into the account until the number was completely changed he said that would n't be a problem and so did numerous customer service reps I even have an email where one of these reps acknowledged she saw that in the notes exactly but I 'm getting ahead in the story so back to the second call I told him to turn off my overdraft before he transferred me to the fraud department me and the fraud department went through all the transactions I told him I had a car payment pending out and he assured me that my car payment would not be returned and it was first fee hits I call fraud they said " overdrafts are paid at the banks discression '' but they did promise any fees related to this at all would be refunded XXXX XXXX they apply provisional credit I removed all funds until account number can be changed except a small amount of money on the XXXX my auto financier put through the car payment again and I 'm charged a second fee I call and explain what I was told over and over again only to be told too bad they do n't care that I was n't comfortable putting my money in an account that was compromised or that they told me all fees would be waived if related I would say me not being comfortable putting a cent in an account that I do n't feel like is secure basically we do n't waive overdraft fees we are US BANK so I begin emailing customer service only to be told repeatedly that it 's my fault my issue not a US BANK issue I get conflicting information from every other email they send and then they tell me their entire management team has reviewed it and I have to pay these fees I told them to close my account so I would stop getting charged " extended overdraft fees '' they said they could n't until I paid the balance remember I opted out on the phone when I reported the card stolen initially. So these are n't even fees I agreed to by this point. This bank needs to be broken up you can find so many blogs of similar or worse issues the one constant thing is lying. Integrity is extremely important especially in a financial institution. Taking ownership of issues is another thing you ca n't do you boast 5 star service it 's more like 0 star service your people are rude and hateful you do n't do what you say you 're going to do you definetly should n't be trusted with anyone 's money. | ||||||
| 04/05/2022 | Yes |
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| USBank violated my appeal rights by not sending me my appeal rights after I did 5 disputes. Despite I asked one of the card member services managers to send me my appeal rights to challenge their outcome with XXXX, they didnt send me anything. Their letter has nothing about appeal rights. On late XXXX I called usbank to discuss a dispute with XXXX XXXX. I told them that by the way I had other disputes that I need to bring up. The credit card rep indicated to not worry because I had a year to bring up the dispute with usbank. She told me this on a recorded line. I believe it was XX/XX/XXXX or XXXX. Here is the problem I have : The bank is saying now that XXXX only allows 60 days to bring disputes. Usbank told me several times a year and then 120 days in follow up calls. They said the time is going to depend on the nature of the dispute. Here is the reason why I was not able to bring the disputes in 60 days : I had a contract with XXXX XXXX firm stating that I could not bring any fee dispute but through an ADR process or arbitration with the XXXX XXXX XXXX. Since XXXX started charging me for things she didnt perform like not subpoena people, but charged me for them anyway or illegal recordings she didnt use but charged for, I needed to bring her charges up. She also started changing my fees at one point which is illegal. The XXXX XXXX XXXX give her months to respond. They also toke a long time before they bring up my desire to follow the contract and to have the fee mediation. They claimed that because of covid things were backlogged. I also was affected by XXXX and I was taking care of family member 's who unfortunately were also affected by XXXX. Usbank didn't care and they did not consider that XXXX XXXX violated her own contract. After I spend months to have the fee resolution process with her and the bar, she stated she didnt wanted to participate violating her own contract. I was forced to give her all of this time that I wasted because of our contract preventing me from speaking directly with the bank first. Again, I want to complain that usbank had never give me appeal rights violating my rights to get visa to look into the circumstances and clearly usbank not only violated my rights to have an appeal, but they also lied time on a recorded line about the time frames I had. The last thing that they did was to send me an insulting letter dated XX/XX/22 stating that if i didnt paid the dispute amounts which were reversed on the credit card that they were going to report me with the 3 credit agencies when I have never been late in any card payments and I had never stated that I was not going to fulfill my obligations or pay. I been a client of usbank for 12 years and I never once been late in a payment. I have excellent credit. Their letter content was simply treating and uncalled for. | ||||||
| 12/02/2020 | Yes |
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| DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to an y delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. | ||||||
| 06/05/2019 | Yes |
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| The attached letter above you were originally copied on was in XXXX with an apology and settlement of {$12000.00} dollars In reference to the complaint I filed with your agency in XXXX was never honored by XXXXXXXX XXXX XXXX XXXX. In XXXX, I agreed and accepted this offer by signing all forms requested and a check was never sent. In XXXX, on two occasions the same forms were signed twice and XXXX XXXX XXXX XXXX said they needed to do research and still no settlement check was sent In XXXX, I contacted said Mortgage Company again and was told to sign all forms which included same as the previous years a XXXX, and release form and this time I went to my bank, had them read my personal letter as a witness and let them watch me sign all forms again and attached a personal letter and had it notarized and attached it with the forms and still no settlement check sent. Early XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX along with a witness and was told to resend same paperwork along with the original letter of settlement sent in XXXX and to email it to XXXX attention XXXX XXXX and was told the issue would be resolved quickly because of how long it has taken, and I would have an answer by XX/XX/XXXX and again no settlement check was sent. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX to follow up and again this time I was told they needed to research this matter and to resend same items again which I refused and requested that someone in charge to give me a call back that has the authority to resolve this almost 3 year issue that has been ongoing. The representative, agreed with the lingering and agreed to have the person in charge who can resolve this issue to call me on XX/XX/XXXX at their time XXXX which is my time XXXX On XX/XX/XXXX an hour late I was contacted at XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deliberately refused to resolve this matter immediately by submitting the settlement check of {$12000.00} dollars. XXXX XXXX totally disrespected me by continuing to lie and falsely accuse me of never responding to the offer and made a false statement that XXXX is the first time I ever accepted and agreed to this offer. He once again, said they needed to research this matter. This is a continuous attempt to deliberately continue to defraud me and continue illegal Business Practices This could have been avoided altogether if my possessions worth more than {$100000.00} was returned to me when XXXX XXXX ( contracted by XXXX XXXX XXXX XXXX ) confirmed they had my possessions in their storage when I was available to pick them up but they said they would not release my possessions without XXXX XXXX XXXX XXXX XXXXXXXX 's permission. I have suffered severe emotional Distress and pain Note : a XXXX I did no attach it due to personal information contained on the document | ||||||
| 06/05/2023 | Yes |
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| I placed an order with XXXX and then found my identity had been stolen, most likely by the company XXXX later deemed to be fraudulent, and funds totaling {$9500.00} were withdrawn from my US Bank account. I filed a claim with US Bank, who did not send the forms, as they advised would be sent, relating to the claim, and without hearing the details of my claim, closed the claim, to my detriment. The monies that had initially been refunded to my account, by a third party, were then reflected as a reversal of a US Bank credit. It appears US Bank is claiming the monies returned by a third party. I explained I had not received calls regarding the claim, nor the return calls of supervisors, as I requested, on XXXX separate occasions. I was then advised by US Bank that they had returned my calls on specific dates and at specific times. I reported to US Bank that I have phone records indicating otherwise. I was initially refused the option to appeal and reopen the claim, until I explained I could prove they did not act as they stated they had. The claim was then reopened. Once again, I was advised I would receive paperwork, but no paperwork was sent. The funds were deposited to my account, this time, as a deposit. Today, I received a letter stating US Bank has determined the transactions were authorized. THEY WERE NOT AUTHORIZED AND THE TRANSACTIONS WERE FRAUDULENT. US Bank claims this was based on account history and pattern of use. I NEVER authorize the deduction of and/or spend this much money, all at once. US Bank further advised in their correspondence that any closed accounts will be reopened, so that I may be charged. If US Bank were to really look closely, theyd find Im an excellent customer, holding XXXX accounts, all in good standing. Some of these accounts were opened by US Bank, without my knowledge, or consent ( promises of a better rate on what they lead you to believe is your existing account, only to open another account ( obviously, there is some type of employee bonus or compensation in reference to these practices ), and an overdraft account application ( account was opened ) hitting my credit, without my consent ). Clearly, there are unscrupulous actives occurring within US Bank. I will take this to court, should this affect my credit score and/or if I am placed on XXXX, or should I be held responsible for these funds. I am fully prepared to take legal action if this is not rectified. I have been denied Duty of Care, as breached by US Bank. US Bank fabricated a narrative, stating a fallacy when they incorrectly allowed the withdrawal, with no alerts sent to question these large transactions, and when the transactions were outside my pattern of spending. US Bank falsified the findings of my authorization and pattern of spending and, once again, Duty of Care has been breached. | ||||||
| 11/13/2022 | Yes |
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| I am the consumer. I am the natural person who is protected by the XXXX XXXX and XXXX XXXX. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of XXXX XXXX is XX/XX/XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. US Bank did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and XXXX XXXX XXXX as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to Open Door to avoid the continuous threats, abuse, and harassment from US Bank and XXXX Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. US Bank and XXXX Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX Mortgage and US Bank. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. US Bank, XXXX Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more. | ||||||
| 04/26/2015 | Yes |
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| First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later. | ||||||
| 01/29/2021 | Yes |
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| On XX/XX/XXXX, made a large cash deposit at a US Bank ATM. I have a checking account with this bank, and the deposit was made at an outside US Bank ATM, meaning the ATM was not located inside the branch, but outside at a drive-up ATM. Cash deposit should have totaled {$5800.00}. Due the number of bills, the ATM would only accept 50 bills at at time, so it would close the transaction after it accepted 50 bills. A number of bills were new/crisp {$100.00} bills that easily stuck together. The ATM deposit was made with 3 separate transactions/ATM receipts. The receipts show the denomination and quantity of bills deposited. First deposit was $ XXXX XXXX {$100.00} bills. The second deposit was $ XXXX XXXX {$20.00}, XXXX {$10.00}, XXXX {$5.00}, XXXX {$1.00}. The last deposit was $ XXXX XXXX {$20.00} XXXX {$1.00}. I noticed there were no {$50.00} bills listed, although there was a {$50.00} deposited. The total for all receipts is {$5300.00}. That is {$500.00} less than deposited. Called the US Bank branch where the deposit was made, and was told the ATM was outside, so disputes need to be called in to US Bank at XXXX. Called US Bank on XX/XX/XXXX to dispute the transaction, and was told a case would be opened. Reference # XXXX. The case would take up to 10 days to resolve. On XX/XX/XXXX, I received a letter from US bank denying my claim in the amount of {$5500.00}. Since this was incorrect, and I was disputing {$500.00}, not {$5500.00}, I called on US bank on XX/XX/XXXX requesting the case be reopened. This did not occur. I called again on XX/XX/XXXX requesting an update, and was told a new case would be opened. Reference # XXXX. I received a letter from US Bank on XX/XX/XXXX denying this claim. The letter states that research had determined no errors occurred, but I could request copies of the documentation used in the investigation. I have tried numerous times to request this documentation, but have been transferred from department to department. Every call lasts XXXX minutes, with holds or transfers, but not one US Bank rep knows how to process my request for documentation or can escalate my request. I am in an endless loop of calls with no resolution or explanation. I have requested the assistance of supervisors, and not one has ever been available. I have been assured numerous times a supervisor would follow up, but that has not happened. I have the dates and names of every US Bank rep I have spoken with. I have both letters of denial, and the ATM receipts from the deposit. XX/XX/XXXX US Bank Rep. XXXX XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX US Bank Rep. XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX | ||||||
| 01/15/2022 | Yes |
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| Due to XXXX, I entered into a 360 day forbearance plan. The plan ended XXXX. I called USBank Home Mortgage in XXXX of XXXX to initiate a loan modification. My options were provided to me prior to the end of my forbearance plan. The representative advised me that my application had been submitted. I received documents weeks later stating that I was under a different loan modification than requested. I called back to US Bank to advise them of what had happened. I was told to submit an email stating that I had been placed under the wrong plan and to remove me from the plan. I was told that it could take up to 30 days for the request to be completed. In XXXX, I received a letter stating that my loan modification request had been cancelled. I called US Bank in XXXX to be placed on the correct plan. I called back two weeks later to find the status. After speaking with three reps, I was finally transferred to a white male who stated I had not been placed on a plan, but that he could submit my request. He then stated that he had submitted my request and that I would receive documents in the mail. In XXXX, I received a supplemental application for my loan modification request. I was a bit confused, because this was not the case before. I called and spoke with a representative who initially had no access to any of the information I was mentioning. Finally, she told me she was able to see what I had been stating after digging a little more. She told me that once I submitted the supplemental application, that would be the last step in the application process. I did what she stated and emailed the documents by the XX/XX/XXXX deadline. I received a confirmation email from the automated system saying my documents had been received. I was told that it could take up to 30 days to process, but to be prepared to make my XXXX mortgage payment. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my application had been cancelled at my request. This was completely untrue and took me by surprise. How is it that only two days after emailing my supplemental loan modification application I would receive a notice of cancellation. From what I was told before, an email had to be sent to initiate such requests. I called US Bank Mortgage today, XX/XX/XXXX to find out the circumstance. I was told that my request had been cancelled based on my request being placed under review on a retention template ... .under their Business as usual method.. I am now four months pass the date of my forbearance ending. I'm still not under a plan. I was offered an interest rate of 3.125 % on XXXX XXXX and now the interest rate has increased to 3.5 %. I need help because I feel that my mortgage company dropped the ball and don't want to accept responsibility, rather penalize me for their mistakes. Best, | ||||||
| 08/08/2022 | Yes |
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| On XX/XX/XXXX The company owes me about {$700.00}. I had a fews dispute, and the money was coming back to my bank because I won the disputes. US Bank kept taking the amounts of money I won back, out of my bank. XXXX the last amount of money that I got back, it was around {$55.00}, and they told me that I won the dispute and that they would put the money back on my account, but had bring a letter in or contact them. I did not know they wanted me to come into the bank because I did not read the letter that they wrote me to come into the bank because sometimes I don't check my mail. I went to the physical bank because I was wondering why I could not hear my bank balance for my debit card when I called in on the phone, they said because I did not bring the letter into the bank or contact them, so they had to close my account. So since I did not contact him or bring the letter in they had to close my bank account. They sent my account into overdraft for no reason. I did not put any charge on my account whatsoever to go into an overdraft. It was their fault, not mine. Plus I won those disputes fair and square. This is what they said in the letter that they sent me. We are writing to notify you of an update regarding the recent transactions you alerted us to on your account. On XX/XX/XXXX we requested additional information from you concerning your dispute with XXXX XXXX in the amount of {$59.00} Side note : By the way they did not reach out to me on XXXX the XXXX XXXX. Continuing the letter. Unfortunately we have not received a response to your request. Without the requested information, we are unable to assist you in resolving your dispute. Due to the above circumstances on XX/XX/XXXX we will be reversing the provisional credit previously issued to your account on XX/XX/XXXX in the amount of {$59.00} plus any applicable fees previously refunded. Please contact us if you would like the information used during our research. Thank you for your patience and cooperation throughout this process. No further action is needed at this time. If you have any questions kind of please contact card member services representatives at XXXX. We are staffed XXXX hours a day, XXXX days a week. We accept relay calls. We truly value your business and as always, you can view and manage your account in the US Bank mobile app or at XXXX Sincerely, card members services. This letter was sent to me on XX/XX/XXXX. Please help fix this issue for me. I also wanted to include that the people who talk on the phone at US Bank were being very rude to me when I was trying to file my disputes. Thank you guys, please tell them to open back up my account so that I can have my bank account and so that I can receive the rest of my money from my disputes. Thank you so much. Have a good day. | ||||||
| 06/22/2020 | Yes |
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| I had a significant family tragedy in XXXX which I am still dealing with today. This tragedy caused me to " drop the ball '' and I ended up failing to pay my credit card bill on time. As a result US Bank called me to inform me that my account was past due in XXXX. The calls prior to when I made the overdue payment are completely understandable and permitted by the FDCPA. Once I got back to my hotel I immediately went online and paid US Bank using funds from a checking account at US Bank. The funds were removed from my checking account and I could see the payment on the US Bank Credit Card. Later that evening US Bank called again while I was on the phone with my wife discussing my family tragedy. Due to the nature of my personal tragedy the call was very painful to receive and served as a reminder of how much I was failing. There was no reason for US Bank to call me after they had taken possession of the money and were made whole. At some point I called in and talked to a supervisor at the collections department who explained that whether or not US Bank has received a payment the auto-dialer continues to call until the next day. I contacted US Bank to try to try to get US Bank to recognize this was an issue and ask them to make a change to prevent the erroneous call in the future. Unfortunately I ran out of time to get back to them and didn't bring it back up until this month. I reached out about this issue and long-term payment relief options ( related to COVID-19 ). A US Bank representative called me to let me know they were going to research the issue and get back to me. Today, XX/XX/2020, I received a call from a representative who explained the same thing the collections supervisor did and told me US Bank had no intention of improving the issue at this time and, instead, would take the issue under advisement for future improvement. This is unacceptable as the monthly US Bank statements note, " The payment date is the day we receive your check or money order at U.S. Bank National Association, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX or the day we receive your electronic or phone payment. '' As far as I am concerned if US Bank removed my ability to access the money for the payment from my account or took the money out of my account then they have received the payment. I believe I consented to auto-dialed calls related to collections and account security only. I do not believe I consented to auto-dialed calls that are /not/ regarding account security or collections. A call because my account is no longer past due is /not/ a collections call. No one should have to continue receiving harassing phone calls after they have righted their wrong ( brought their account current after missing a payment ). This is true even if the person isn't dealing with a significant family tragedy. | ||||||
| 07/02/2018 | Yes |
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| I was approved for a US Bank platinum visa credit card a couple weeks ago. I let the underwriter know the sole reason I was applying for the card was to take advantage of the 0 % apr for 20 months because I was going to purchase a wedding ring around $ XXXX. The card was approved at $ XXXX. When I tried making the purchase for {$11000.00} it was declined. shortly after, us bank fraud department gave me a call and said because of the amount they had blocked it but they would remove the block and asked me to try again. I tried again and was blocked. I called the fraud department and this time a different rep said because the amount was so high to try to cut the amount in half and try the transaction twice. I tried doing that and still declined. I called a third time to fraud and they said it was still too high and to try to break the amount into thirds. I tried that and declined yet again. the forth time I called the rep said because of too many attempts at various amounts it was suspicious and they were going to send it to review. I tired letting that rep know this is what the other us bank fraud reps instructed me to do but he said he was still going to send it to a review team. at this point I was very upset and asked to speak to his manager and he stated he had none. also the first 3 times I called the reps asked if I would like to do a survey after the call but with this person I asked to do the survey he said it did not exist. I called yet again a 5th time and the rep said she would remove the block but because this is a new card I would need to make smaller purchases first and pay back to build history with us bank. I then tried to make a {$20.00} purchase and a {$3.00} purchase and both were declined. I called a 6th time and the fraud rep gave me the number to the review team and said to speak with them and hung up. I called the review team and their rep said I spoke with someone and she could not verify my income. I told that rep that none of the representatives from the fraud team asked me about my income at all, so he said he would transfer me to the person who stated the income discrepancy. I was transferred and no answer and can not leave message. I called the review team back again and another rep said that person was on vacation for a week and when I told her I could not leave her a message there wasn't anything I could do and that she was the only person who can review this. I let each rep, both from fraud and review, know that I planned on proposing end of summer/beginning of fall and that the ring takes 4-6 weeks to make after I purchase not including the time it will take to ship. I also let them know the only reason I applied for this card was to take advantage of the 0 % apr but with all the time this is taking my promotion rate for 20months is decreasing. | ||||||
| 02/15/2023 | Yes |
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| Respected Sir/Madam I do have an personal bank account in US bank since XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in XXXXXXXX XXXX XXXX. Since XXXX XXXX account is a new account and had no money in that so to save money in my new XXXX XXXX personal bank account I had made a XXXX transaction of amount {$3500.00} from my US bank account to XXXX XXXX on XX/XX/XXXX. I have received an email from US bank on XXXX XXXX saying that {$3500.00} has been deposited into my XXXX XXXX XXXX account. But when I checked my XXXX XXXX XXXXk account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my XXXX XXXX XXXX account. I have immediately called US Bank and XXXX XXXX XXXX after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those XXXX bank representative responded properly. So immediately I booked an appointment to meet my US bank XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to XXXX XXXX XXXX account.I have shown US bank XXXX my XXXX XXXX account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my XXXX XXXX account he also recognized that amount is not deposited into my account. Even I have raised dispute with US bank about Transaction made but that dispute has been canceled by US bank and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into XXXX XXXX XXXX account so that they can not make any dispute. Even When I called XXXX XXXX none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already XXXX months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end. | ||||||
| 03/04/2017 | Yes |
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| In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence. | ||||||
| 03/27/2018 | Yes |
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| I filed bankruptcy XX/XX/XXXX. On XX/XX/XXXX I signed a reaffirmation agreement with US Bank for my mortgage loan. On XX/XX/XXXX US Bank Representative XXXX XXXX signed this reaffirmation agreement for my mortgage loan. On XX/XX/XXXX my bankruptcy was discharged. Around XX/XX/XXXX I checked my credit report from all three bureaus. I noticed that my mortgage loan from US Bank was not being reported to the credit bureaus. Since I got this mortgage loan in XX/XX/XXXX I have never missed a payment before, during or after my bankruptcy. I feel this would have a positive effect on my credit report as I'm trying to improve it after being discharged from my bankruptcy. I talked with my attorney and they sent the signed reaffirmation agreement to US Bank. I received a letter from US Bank a few days after they wrote the letter on XX/XX/XXXX. The US Bank letter stated that all I needed to do was send a letter or email to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate the reporting of my mortgage loan. I sent an email to US Banks Mortgage Servicing Credit Reporting Department on XX/XX/XXXX asking them to reinstate my credit reporting for my mortgage loan. I never received a response to the email so I wrote a letter on XX/XX/XXXX to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate credit reporting for my mortgage loan. I received a letter on XX/XX/XXXX, stating that US Bank would not reinstate credit reporting for my mortgage loan as it was included in my bankruptcy. On XX/XX/XXXX I called US Bank customer service asking why US Bank denied my request even though I have a signed reaffirmation agreement for my mortgage loan. The US Bank customer service representative stated that they could not reinstate credit reporting for my mortgage loan and I would need to write a dispute to all three Credit Bureaus. On XX/XX/XXXX I sent dispute letters with documentation to all three credit bureaus asking them to have US Bank report my mortgage loan information. I received a letter from XXXX on XX/XX/XXXX saying they corrected my information. XXXX did not correct what I disputed. XXXX put a reaffirmation remark on my US Bank credit card and did not do anything relating to my dispute for my US Bank mortgage loan. I filed another dispute, online, with all documentation to XXXX on XX/XX/XXXX. I am awaiting a response to that. XX/XX/XXXX I received a letter from XXXX and XXXX stating that they can not make any changes because US Bank is not reporting my loan information to them. I am now writing a complaint with the CFPB as I could not resolve this issue with US Bank or any of the three credit bureaus and I would like to have my mortgage loan reported to the credit bureaus so I can continue to improve my credit report/credit score. | ||||||
| 08/17/2022 | Yes |
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| Hello, I have been a customer with U.S. Bank for over 10 years. Yesterday I tried to send money using the XXXX portion of their app when I found out that I was unable to send any money out. At first I thought it may have been a send limit issue, but I didnt send too much money out during this timeframe to trigger such action. After calling a few representatives and even going into a branch to see what the issue was, I thought there was nothing wrong. I call the accounts review this morning to find out that my account is in process of being terminated without any reason given whatsoever. I was contacted by someone in the company a few months back to ask me about my banking and spending habits for security and money laundering purposes. I told them about every single thing I do with my bank and had no problem going into detail about every transaction I have made. I either send money to my spouse to cover bills or rent, sometimes just to send money, or I send it to another bank that I OWN because maybe my account balance is low, or I pay bills from that particular account. Maybe I just want to send money to that account. Just like I send money to this account. There are three people who get money sent to them from this account, my spouse, my mother in law, and myself. My account is being closed all because someone suspects me of doing something illegal which I am not. My account information isnt even updated in the system to reflect that I have a full time job with a company that I have held over 4 years with enough salary to have the type of money I have, to make these transactions. Their system still shows I work with a previous employer although I mentioned this was outdated with your staff who asked me all about my life and habits. I am extremely frustrated with the way usbank has treated me in regards to this situation because there are people with way more money than me and Im sure you dont go into depth with them about their information. I almost feel like there is some type of discrimination because of my class and that because I dont make enough money like wealthy people do I dont deserve to use my money how I like. I have been with you for over 10 years and to just be swept to the side like this says a lot of negative things about how you really value the average customer. I used XXXX quite a lot but I have never sent money for no fraudulent or illicit purposes. I would like to demand my account be restored to its original condition and be treated like the customer I am. Fairly and honestly. I have never received any issues like this from the other banks I use and I appreciate them despite me being with your bank the longest and still being treated unfairly. To live in a state thats very expensive and costs of living is high, am I not supposed to have a lot of money? | ||||||
| 02/19/2021 | Yes |
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| COMPLAINT INFORMATION I contacted XXXX on the XXXX of XXXX. Someone hacked into my email account whereby the suspect was able to go into my account and wipe me out. The dollar amount in dispute. {$22000.00} The date of the transaction. XX/XX/2021. Someone stole my email and I was locked out of XXXX. I emailed XXXX immediately when I found out that my email was hacked. I emailed that at XXXX XX/XX/XXXX on the XXXX of XXXX. I received a generic email at XXXX XX/XX/XXXX Eastern Standard that evening stating that I am in the cue. I emailed XX/XX/XXXX again on the XXXX, and when I didnt hear from them I emailed them again on the XXXX. I filed a police report on the XXXX. I received an email from a representative named XXXX, who told me they will change my email, but I needed to verify who I was by providing them with a video, license, utility bill. I did everything XXXX asked for. I explained to XXXX over and over that someone else has my email account at XXXX. There was a XXXX breach and I was one of the victims. I sent the Ceo XXXX XXXX a message on XXXX because I wasnt getting anywhere with XXXX. ( She since has blocked me from contacting her ) I believe I did that on the XXXX of XXXX. On the XXXX of XXXX XXXX sent me another email requesting another video. I did that too. On the XXXX I find out the suspect also depleted {$5000.00} out of my US bank account since that account is linked to my XXXX account. On the XXXX of XXXX, I was assigned to another representative XXXX XXXX. XXXX closed my XXXX account on XX/XX/XXXX. XXXX sent me an email on the XXXX telling me my account has been resolved but XXXX will not reimburse me for my losses. The theft occurred on their platform They are FDIC insured. Why won't they compensate me? XXXX is under the US Bancop. I filed a complaint with the Office of Comptroller. XXXX was able to resolve this matter in two days, while the XXXX took 12 days to even realize what I was telling them. In XXXX email, he said the suspect sent my money to a bitcoin address. The company knows exactly where the money went but they wont retrieve or recompense me. This is a fraud. Someone stole my account and was able to do whatever they wanted to do while I wasnt able to do anything about it. I made a complaint with the Consumer Financial Protection Bureau earlier with your organization because XXXX would not return my emails. XXXX does not respond to emails in a timely fashion. XXXX does not have a telephone number to call when an account has been compromised. I also contacted the fraud department for my US bank, thats because the suspect was able to deplete my account for {$5000.00} in three separate transactions. A. {$2000.00} B. {$2000.00} and CXXXX XXXX. This happened on the XXXX of XXXX unbeknownst to me. Thank you in advance for your guidance XXXX XXXX | ||||||
| 08/14/2023 | Yes |
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| My name is XXXX XXXX. I am reaching out for help because US Bank whom I had XXXX credit cards with but paid off and closed in XXXX and XXXX continue to damage my credit report. About 5 years ago I became extremely ill and could not work for about 6 months. I had XXXX credit cards at the time, XXXX from US Bank. I called US Bank and explained my situation and asked them to please lower the high interest rates, they would not at all. I had to use my credit cards to survive. When I got better, the amounts were high and I had to figure out how to repair my financial situation so I reached out to a credit/debt support company, XXXX XXXX XXXX XXXX ) XXXX. They helped guide me to pay off agreed amount with the credit card companies. US Bank was quite difficult to work with even though I had been a good client of US Bank for over 15 years. I paid off all the agreed upon amounts and confirmed that my cards were closed. My other credit card company accepted and was professional. US Bank, even though they received all the money, continued and to this day continue to damage my credit. The " Debt '' section of US Bank Credit Cards, does not allow a person to call or even email with questions or to discuss. They only accept mailed letters. I have asked them in past to please drop their penalities on my credit through letters and they refused. I even hired XXXXXXXX XXXX ( financial assistance ) to help try to repair my credit but this was just money wasted trying to figure out how to repair my credit damage caused by US Bank Debt Section : XXXX Disputes for US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX, I sent another certified letter that I still on XX/XX/XXXX have NOT received a written response back. I called the US credit card customer service and they told me that again she saw that the Debt section had rejected my request for them to please remove the damage and penalties to my credit as they were paid in full by XXXX. And again, I was told my only way that I can " talk '' to them is through lettered mail. This seems incredibly unjust to me as it keeps them on a pedestal where they can continue to not have to answer to customers they are penalizing unfairly as they just can ignore customers without real explanations if any at all. Basically, they just ignore and cause destruction to people 's financial credit and hope. And, this is exactly what they have done and as a result my credit score has continued to be damaged for years by them unjustly as like I said, they received all their money and I closed those credit card accounts years ago. I really appreciate your time and hope that you can help me. I feel like this in incredibly unfair and unjust. I look forward to hearing from you and am happy to answer any questions that you may have. Sincerely, XXXX XXXX | ||||||
| 05/31/2022 | Yes |
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| Since the onset of the forbearance plan ( XXXX of XXXX ) and the COVID pandemic USbank had assured me on MULTIPLE occasions that when the forbearance expired the bank would have SEVERAL options to help us stay in our home. We had talked to multiple " Relationship Managers '', and various people from USBank, our Relationship Manager changed multiple times. When the first year began to expire and I touched base to figure out my options, I was given two options. One option was to have a separate loan for the forbearance amount ON TOP of our regular mortgage payments. So we would be paying more. The other option was to add the forbearance plan on the back end of the mortgage, our mortgage payments would increase. These were very disheartening options because the only thing I had reiterated EVERY time I talked with a USbank employee was that I needed a lower mortgage payment. She had then directed me to a local branch to talk to a mortgage lender to see what the possibilities of refinancing would be, obviously after the fact of COVID, and with no relation to hardship. Which I will point out no one ever got back to me locally. So after about two frustrating phone conversations, I had received a call from USbank about a mortgage assistance program ( XXXX of XXXX ). We were sent the paperwork, gathered all the necessary information and even extra to show our hardship. When we received a call after submitting the paperwork, we learned that we should not have received the mortgage assistance plan until after the first day of the last month of our forbearance. It was during this phone call when everything was explained in detail that made sense, and the woman made extensive notes on our file so the next person we talked to would have a better understanding of what we had gone through. Finally, we come to the last phone call, in which we were given four different options, including filing for the mortgage assistance program. Unfortunately the best option for us is still not adequate. Our monthly mortgage payments dropped by over {$100.00}, but its still not affordable to us. Our interest rate dropped by nearly 2 % which is a decent amount over the life of the loan. And the language USbank insists on, for us to state our hardship is over, just to be eligible for any of their programs is false and counter productive. It is very much a loophole USbank is forcing us to admit so in the future the bank wont be held accountable if we struggle and try and get more help. I am truly disgusted with the banking industry in this country, the amount of freedom to profit off the American people, while still having the ability to strong arm the government into endless bailouts is abhorrent. In the end I contacted our Congressman, XXXX XXXX XXXX, who referred us to the CFPB for further assistance. | ||||||
| 11/27/2022 | Yes |
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| On XX/XX/XXXX I applied for a credit card thru my US bank app ( XXXX shoppers credit card ) and was approved, {$2500.00} spending limit before I receive the card and {$15000.00} after receiving the card. On XX/XX/XXXX I started using the card since they are promoting it as a shoppers card and that you would get {$200.00} cash back on the first {$1200.00} you spend plus % XXXX cash back on any purchases made from XXXX retailers of my choice and XXXX % cash back on purchases made at any gasstations. On XX/XX/XXXX I tried making a purchase at XXXX XXXX for an XXXX for my wife using that credit card, it got declined which I thought it was normal since it's a purchase for {$1000.00}. I still purchased the XXXX using my debit card, and called the credit card company to inquire why did it decline the transaction, the lady from customer service told me that because the card was fairly new and she went ahead and unblocked it. The next day I went to XXXX and made a purchase for {$33.00} and the transaction was approved, later that day when I attempted to make a purchase for {$9.00} at XXXX it got declined. I called customer service to see what's going on, I was shocked to find out that they put my account on hold claiming fraudulent activity, and that they would contact me within XXXX to XXXX hours. I waited XXXXhrs and called them again and explained the situation and they said to give it an hour and it would be working. After another XXXX hours it still wasn't working. I decided to go to a US bank branch and see what's going on. They contacted card member services and they told that they called one of phone numbers I used to have XXXX years ago and the person who answered the phone told them he never applied for that card. But the bank rep verified that they contacted the wrong person because I had my ID, social security card and the credit card in hand. So card members rep told her she would remove the block and i should be able to use my card. I never attempted to use the card after that and waited XXXX days to contact customer service to find out that they closed the account and a letter was sent out. During the XXXX weeks they never attempted to contact me yet they have my phone number, email. The last attempt to get an answer was XX/XX/XXXX were the rep told me that someone contacted them saying they never applied for the credit card and disputing the charges. I asked them how did that person managed to get the verification code that normally is sent to my phone. I feel like US bank has discriminated against me because of my name and ethnicity, never attempted to contact me or allow me to plea my case. They keep giving me different answers and ones that don't make sense. I am not sure what are the precautions from this on me but I am sure I will be contacting a lawyer. | ||||||
| 04/02/2019 | Yes |
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| A week prior to XX/XX/XXXX I went into XXXX XXXX XXXX to ask if they can fix my son 's computer to play video games on it. I specifically said for games such as XXXX and XXXX. The clerk said yes and left it with him. On XX/XX/XXXX received a call stating it was ready and paid the {$420.00}. XX/XX/XXXX and XXXX same clerk who repaired it was on the phone with us walking us thru how to fix it since XXXX nor XXXX could not load on computer. We followed the clerk 's instructions on how to fix it via some instructions he found on XXXX and after 2 days it still did not work. XX/XX/XXXX, I went into XXXX XXXX XXXX asking for a refund and they refused. I gave their merchandise back ( have pics to support this ) and stated I will dispute thru my bank ( us bank ). I called in to dispute the charge and US Bank filed it as fraudulent as I later found out. I specifically explained to US Bank that we are filing a dispute for not receiving the product/service. We were told by US Bank we would receive paperwork in the mail to further explain our dispute and any supporting evidence. We received the refund in about a week. We didn't receive any paperwork as described so we called in. US Bank kept transferring us from dept to dept and stated that they had to refile our dispute. Again we stated we are filing a dispute based on not receiving a product/service. Again, they filed it as fraud as we found out later. A month later we receive a notice stating that after their investigation they didn't discover any fraud as the transaction was done by pin and US Bank withdrew the {$420.00} from my account. I called in again and found out the 2 disputes filed were fraud when I never stated it was fraud. US Bank stated they would refile the claim again. US Bank explained the funds would go back into my account in about a week however the funds never appeared. Multiple calls were made week after week asking when the money would be returned to my account and no one could give an answer. Multiple times as I was on hold for over an hour and transferred from dept to dept as no one could give me a solid answer. Finally, got a hold of someone and they stated based on the type of transaction that was done ( by pin ) it was not fraud. Again i explained I never once said it was fraud I am disputing the fact that I didn't receive my product/service. US Bank stated because 60 days had gone by at this point there's nothing they could do for me as it was too late to file a dispute and to seek legal advice. This claim was handled incorrectly for 60 days and then US Bank covers themselves by stating it's too late to dispute it at this point. This is unfair and I deserve my {$420.00} back for not getting the product/service I paid for. I barely found out about cfpb or I would have filed this a long time ago. | ||||||
| 10/12/2021 | Yes |
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| credit discrimination. submitted secured credit application to initiate a consumer credit transaction on XX/XX/XXXX as natural person applicant, 5 USC 551 ( 11 ) Social Security Administration cardholder, beneficiary, 15 USC 1692a ( 3 ) ( 4 ) consumer and creditor. US Bank discriminated my right to extend credit creating a debt, to incur debt and defer payment per 12 CFR 226.2 ( 12 ) ( 14 ) in violation of prohibited basis good faith reliance of Truth in Lending secured right despite request for reconsideration of my unrestricted right of incur debt. US Bank alleges that reason for denial is due to unverified ( unsworn ) claim of serious delinquency too few accounts currently paid as agreed. This is deceptive and unfair practice to discriminate inherent secured right of credit on unverifiable hearsay information. US Bank has used communication means the conveying of information regarding a debt ... indirectly to any person through any medium to state that such consumer owes any debt in violation of FDCPA 15 USC 1692a2 and 15 USC 1692b2. 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is " obtained '' through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific " factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency '' when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX is not neighbors, friends, or associates of the consumer. US Bank discriminated my right to a consumer credit account illegally per 15 USC 1 for 15 USC 1692a3 alleged ( unverified/unsworn ) obligations. US Bank has induced a disability in depriving right to credit despite collateral secured credit application obtained from consumer. see exhibits and bill of particulars for violations of US Bank to assume the role of debt collector. 15 USC 1681 ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have a right to credit per 15 USC 1602 open end credit plan. US Bank has unlawfully converted this right to credit under color of custom 42 USC 1983 into a privilege subject to a 3rd parties unverified information and credit score. | ||||||
| 04/05/2018 | Yes |
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| I filed a complaint number XXXX, and US Bank rsponded but,. I had three lending specialist who reviewed the correspondence ( Two loan officers and one processor ) seem to take issue with your response in the following areas You claim that your impound department relied upon the county tax record to review my taxes for accurate amounts and balance. I find this interesting as your loan department clearly knew that this was a refinance loan and the purchase price was also a matter of public record. I also find it interesting that your impound department didnt question a XXXX loan on a property valued at XXXX. I understand that the supplemental tax bills are not sent to the lender, only to the borrower, however one of the loan officers I checked with told me that after 30 days, the supplemental taxes are computed and placed on the tax bill. He supplied me with such a notice which I am attaching for your review. Surely your impound department would have seen the increase and been able to accurately accounted for the correct tax amounts. I agree with you that they origin of mis-information was with the originator, who I now understand was not US Bank, but I hope you understand what an imposition this has been on me to know that I was misled into believing that these matters were taken care of, only to be hit with such a large discrepancy. While I do not claim to be ab expert on Impound account reconciliation, it strikes me as odd that : Your impound department did not catch the discrepancy between the property tax amount and the amount they confirmed with the countys tax department. Your impound department didnt calculate the {$490.00} tax amount based on the purchase price of the home or for that matter question the decrease in the tax amount on the loan application or XXXX from the loan officer who originated the refinance. These discrepancies have caused me a great hardship and may force me to sell the house altogether. I would have thought this is something your bank would have wanted to be on top of. I certainly would have made different choices had I been informed at the time of the refinance what my payment really would be. Believing that it would be {$400.00} dollars less, I made choices which have led me to this point. As for the relief, I find it difficult to take on all of the blame for the miscalculations of the impound department and the deception of the loan officer from the other company. I am not an accountant and as such am not expected to know when a discrepancy of this magnitude is made. Your employees I assume, have some accounting background. Im told that loans must meet certain guidelines to be originated and purchased. Im curious, with the income I have and the payment of this new loan, did I meet those guidelines? Please reconsider XXXX XXXX | ||||||
| 12/08/2015 | Yes |
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| In XXXX, a US Bank representative contacted me about my XXXX XXXX card with them and offered me a XXXX plus card. He stated they had a balance transfer option with 0 % APR that would save me a lot of money by transferring my Plus balance to. I informed him at that time, I was looking for a vehicle and did n't want a hard inquiry on my credit, so I would apply online after my search as I had a lot of home improvement projects coming up I 'd like to put on credit. In XXXX, I went ahead and applied for the Flex Plus and was instantly approved, I went through the motions of a balance transfer and my Cash Plus was not available as an option. SO I called and spoke with XXXX at their XXXX number and she told me I could get around the issue by going to my online account, selecting my card, entering the promo code XXXX and entering MYSELF as a payee. She said then funds would be sent to my checking account, at which time I could use them to pay off my current XXXX XXXX card and essentially get the balance transfer done that way. I thanked her, and when I went online to do it, I entered the info as she directed. I then received a notice in the mail that it was denied because I was an invalid payee. I called back and was informed they would not honor the balance transfer that I was promised, so I requested due to false and misleading information provided to induce me to apply and result in a hard inquiry on my credit, they close the account, and remove the inquiry. I was told a manager would call me back. No one called back after 3 days, I called in and was left on hold for more than 25 minutes. I called again and I was informed that the managers would call back. I explained i t had been nearly a week and no one was responding, she said it could take 3-5 business days. That time had passed. It has now been nearly 3 weeks and US bank refuses to respond to their deceptive practices that resulted in a XXXX point drop in my credit score which was XXXX at the time of my application and dropped to XXXX when I was approved. Had I known they would not honor the PROMISED balance transfer of my {$2000.00} balance on my Plus card, I never would have applied as my current plus card has a XXXX limit. My ONLY motivation for applying was the misleading and false solicitation by US bank promising me a balance transfer of 0 % APR on transfers and purchases for the first 12 months. I would like US bank to honor their original DOCUMENTED promise of a balance transfer, or, in the alternative, refund interest from last month on my current card and apply an interest freeze for 11 months to honor their original offer and promise of this promotional rate. US bank has violated the CARD Act and I am harmed by their intentional misrepresentations and refusal to mitigate or even respond to my complaint. | ||||||
| 12/31/2015 | Yes |
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| On XXXX/XXXX/15 I received a call from us bank they had stated that some authorized transactions were proceeded on my debit card. They asked me to verify myself by giving them my birth date, last XXXX of my social security number, address, full name. So I did and they said they would stop the transactions and send me a new card. Then later that day i received a call from us bank number and they were saying that there were more transactions and they needed my mothers maiden name by then i was thinking how do you need that when they supposedly already turned my card off from last conversation. so i told them no and hung up. I then dialed the bank number back and wanted to talk to someone and so when they picked up and i verified my info i had explained to them everything and they looked and said no one had called me from us bank today. So i then processed to tell them i needed to report fraud my wife and i pulled up online banking and they had charged {$500.00} 3 times to XXXX, {$520.00} 2 times, and 1 time {$560.00} which totaled {$3100.00}. I reported it to my bank and they were shutting my card down and going to send out fraud papers. So later that night we got on the onlline bank again to make sure nothing else happened and they had transferred XXXX to my checking account out of my savings account. I then callled us bank back and told them and they said ya someone called and we thought it sounded fishy so they put a freeze on my account. 4 days later I still did n't receive fraud papers so i called the bank back and they said oh we will get those out today. So we finally recieve them and they had the wrong date of fraud they have XX/XX/2015 and it was XX/XX/2015. so we filled it out and faxed it back right away. days went by and we called and they said our money will be deposited by the XX/XX/2015 at midnight. So we looked XX/XX/XXXX and there wasnt anything deposited. they said our claim was denied and would have a claims adj call us within XXXX to 5 days. So she did and she said it was denied because I gave them my pin number which i didnt. She then replied well our people do n't lie and said there nothing we can do. I asked if i could appeal it and she said no. so i went into a local branch and she called the fraud dept because she did n't understand and the fraud dept rep we talked to there said he would have a supervisor look at our case because he did n't understand it and they would call us within XXXX hrs so we called back after not receiving a call and they said its because of the tapes and they still did n't give our case to a supervisor. so they said they would and get back to us within 48hrs. Its now XXXX/XXXX/15 and it happened on XXXX/XXXX/15. we have gone through the holidays with our account frozen and no debit card. plus our money that is gone. | ||||||
| 09/14/2023 | Yes |
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| US Bank has unlawfully blocked and obstructed me from making mortgage payments on my home that I bought with my husband in XXXX and has put me into foreclosure. I am the rightful owner of the property, I the grant deed has been recorded in my name and the home has gone through probate and the judge has ruled that I am the heir and owner of the property. ( paperwork included ) US Bank is required to accept payments and discuss this mortgage obligation with me as the rightful heir of the deceased borrower. This has been my home since XXXX and there is a great deal of equity in the property and instead of following guidelines and the law US Bank is intentionally denying access to communication and options to resolve this delinquency. I have the ability to pay my mortgage payment, I just need help with the delinquent payments through a repayment plan or deferment or some type of workout. US Bank has never considered my ability to pay or reviewed any of my financial information and the failure to do so prior to filing of the Notice of Default is in violation of the XXXX Homeowner Bill of Rights. My husband took out this line of credit in XXXX for {$100000.00} through US Bank. There were no problems making the payments. My husband passed away in XXXX and after I received the death certificate I went into a US Bank office and provided the information and attempted to make the mortgage payment. Their agent refused to accept the payment which seemed hard to believe. I then started paying by personal check through the mail with my name on the check and US Bank ACCEPTED these payments. A few months after my husband passed I was overwhelmed with bills and extra expenses from funeral etc. and I missed a couple of payments on this HELOC. I was able to make a lump sum payment and get caught up and there were no issues with US Bank accepting monthly mortgage payments from my personal checks. I have worked as a XXXX XXXX for a XXXXXXXX XXXX company for over 20 years and make a good living. In XX/XX/XXXX I started having a hard time because at work it was slow so they cut my hours due to a slowdown of work coming in. This led to financial issues due to lack of income and the mortgage payment going to {$500.00} a month instead of {$300.00}. I missed a few payments, and like I did in the past I tried to pay an extra amount to get caught up. I sent a direct debit payment for {$1600.00} from my bank account directly to US Bank on XX/XX/XXXX. Instead of applying the payment to the mortgage account, US Bank sent the funds back to my bank with no explanation why. When I tried to call in and talk with their agents they told me that they can't talk to me because I am not on the loan. However, US Bank has willingly accepted payments made from my bank account for over XXXX years. | ||||||
| 10/05/2015 | Yes |
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| After 70 years as a business checking customer US Bank closed our account without notice. We operate a small, family run XXXX in XXXX, Oregon. In XXXX, the branch manager informed us that the bank had misplaced our signature cards and they required a new one in order to keep our account in good standing. In reviewing our account, it came to the attention of the bank that we had an ATM on site. US Bank had inquired about ATM activity and asked that we make withdrawals daily when for the last 30+ years we 've been making deposits and withdrawals weekly. It is worth pointing out that our ATM does n't allow deposits. US Bank 's XXXX staff asked us to make cash withdrawals daily instead of weekly. We argued that daily withdrawals do n't fit into our workflow and that we are a low money laundering risk. Upon request, we provided a list of vendors along with a .pdf of our reconciliation paperwork on XXXX XXXX, 2015. In mid XXXX we resubmitted the signature card to the branch, at which time the branch manager informed us that a letter may be sent informing us of our account closure, but to disregard it now that we had everything submitted. The branch manager thought the documentation provided was very clear and precisely what the bank required. On XXXX XXXX, we went and did our deposit and our online bill pay, like normal. On XXXX XXXX, when going in for a change order, we discovered that our payroll account had already been closed and that our other XXXX account were in the process of being closed. US Bank 's XXXX team could not understand the .pdf and neglected to ask for any additional elaboration or clarification. They asked for a spreadsheet which we provided on XXXX XXXX. On XXXX XXXX, we received a check for each of our closed accounts. The branch manager was embarrassed by the actions of his XXXX team and apologized to us. He said he could n't believe this was happening and could n't believe he was suggesting we find another bank. On XXXX XXXX, we established a relationship with XXXX Bank and are now using them as our bank. The actions of US Bank were without warning or merit and were clearly unfair. This feels like a violation of the UDAAP standards. We are a family run business that has a strong history of support in our community. We had bills in transit, were assured that the online bill pay checks were not going to be issued ( but they were issued ), and ended up bouncing several checks since our account was closed without notice or warning. We also have payroll checks that are likely to bounce. We had to reach out to our vendors and employees to explain the situation to them. This is not only embarrassing but it 's a significant reputational risk to our business. We still do n't know the basis of US Bank 's XXXX decision. This is incredibly frustrating. | ||||||
| 04/23/2015 | Yes |
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Web | Older American |
| I purchased an RV through US Bank. The payments of {$340.00} initiated on XX/XX/XXXX. Approximately XXXX weeks prior to the due date XXXX of each month I would go into the main US Bank XXXX XXXX XXXX XXXX XXXX WA and submit my check that also included an additional principle payment- from XXXX XXXX XXXX. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for {$200.00} ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of XXXX. I actually got a call last Friday the XXXX from a bank collector looking to have me submit the past due payment. Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this XXXX min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received ( XX/XX/XXXX and XX/XX/XXXX ) that I had a XXXX amount due so I wrote {$400.00}. towards principle only and was told that those payments really did n't all go towards the principle that some went to future payments -paying interest. When I ask for a print out of all payments I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of XXXX on my account. My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( XXXX ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe XXXX financial got nipped for doing something like this. Thank you. | ||||||
| 02/06/2023 | Yes |
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| On XX/XX/23, I made a payment to my US Bank credit card, which was due on XXXXThe payment cleared my bank account on XX/XX/23. At that time, I also canceled auto-pay for my US Bank credit card, so the payment would not pull from my bank account on XX/XX/23. On XX/XX/23, I received a text notification from my credit union that a large transaction had posted to my account, in the same amount as my credit card payment from XX/XX/23. I called US Bank to resolve the issue. At that time, I was told they would request to have the funds returned to me on XX/XX/23, and that it would take XXXX calendar days. The cited reason for the delay was that it would take XXXX days for the payment to clear and be received on their end. Once that was confirmed, they would return the payment to me. On XX/XX/23, I called US Bank again, because I still have not received the refund. I wanted to confirm that the refund request was processed on their end, and to obtain a time frame for when the funds would be returned to me. The first person I spoke with told me the refund request had been initiated, but that it would take 8 days for the funds to be returned to me. I was connected to a supervisor to request that the process be expedited. I was on the phone for a long time with the supervisor and the call was eventually disconnected. I called back, spoke to another representative, and was again connected with another supervisor. After being placed on hold for several minutes, he initially told me that there were " alternative solutions '' to my problem. He then said that the only solution was for me to wait 10-16 business days, citing that they are " a large financial institution '' and they " need to research it. '' When I asked for more information about what that means, he simply repeated himself. I asked to speak to another supervisor, or his supervisor. At that point, his tone became combative, and he told me that they may not take my call, and they would tell me the same thing. I waited on hold for another several minutes. Eventually, he told me there was something else I could do. If I could fax them proof the funds were taken from my account, they would " rush '' the refund request, and return the funds to me in 3-4 business days, or by XX/XX/23. If not, I would receive the funds back in XXXX business days, or by XX/XX/23. I am filing this complaint, because US Bank never should have debited my account for these funds in the first place. The secondary reason for this complaint, is that US Bank is intentionally delaying the return of my payment. The third reason for this complaint, is that every time I have called to speak to someone, I have gotten a different answer regarding the time frame for the return of my funds ( 3-8 calendar days, 8 calendar days, 10-16 business days ). | ||||||
| 05/06/2021 | Yes |
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| On XX/XX/XXXX, by phone I reported my card as lost/stolen to USBank Reliacard, and XXXX and was told by USBank that they would deactivate the card and send me a replacement. They sent the replacement card, but did not deactivate the account. Instead, whoever stole the card was able to contact USBank and change the phone number and pin. The thief was then able to drain our account over {$4100.00} using various ATMs. They did this from XX/XX/XXXX to XX/XX/XXXX. We submitted a fraud/dispute of charges on XX/XX/XXXX. On XX/XX/XXXX we received a notice of denial of our dispute. When we called in to find out the reason for the denial, we were then told that the denial we had was not for our card -- and was for a claim for over {$11000.00}. XXXX from USBank told us that the denial had the wrong card number on it and we should disregard the denial. I called again on XXXX, and XXXX told me that they were still reviewing/investigating but no denial had been issued and it would be approximately 45 days before a decision would be made. Then, I called today ( XXXX ) and was told that they had again denied our claim on XX/XX/XXXX BEFORE we spoke with XXXX. On XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX I requested they send me the document used to determine the denial of my claim. I STILL do not have any documents although I have been assured they were mailed on each of those occasions. On each of those occasions I have been told our claim is for {$11000.00} when our claim is for approximately {$4200.00}. When I ask if I can speak with the Prepaid Dispute Resolution people who are denying my claim, I am told that no one can talk to them or call them. One can only fax them which I have done repeatedly and received NO RESPONSE. USBank also allowed the thief to change the phone number and pin associated with my card. When I called in on XX/XX/XXXX to find out the status of my card, my cell phone number was no longer associated with the card, and my pin no longer worked. I did not make those changes to my profile, so the thief must have done it with USBanks help and cooperation. As a consumer, I followed all directions and reported the card lost/stolen immediately upon discovering that the card was missing. I requested USBank to deactivate the card on XX/XX/XXXX. Apparently that did not happen. Instead, USBank changed the phone number on my card as well as the pin thus allowing the thief to abscond with my money. As a direct result of USBanks negligence, I have had over {$4200.00} stolen from me. I have been hounding USBank to help me with this situation. I am met with being told that there is nothing USBank can do. Only the Prepaid Dispute Resolution department can help me but there is no effective way to reach that department. I am frustrated beyond belief. | ||||||
| 03/12/2021 | Yes |
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Web | Servicemember |
| In XXXX of 2020, I purchased a XXXX AntiOxidizer ( Enagic XXXX THE MIGHTY XXXX ANTIOXIDIZER ) system from XXXX XXXX, paying a total of {$5400.00}. The machine was purchased due to XXXX XXXX representation that the product would produce Hydrogen-rich water. I was also interested in obtaining water that would be sufficiently alkaline to emulsify oils. I was told to give the machine a few months in order to see results ; however, when I was able to test it, I used the XXXX Hydrogen Test Reagent ( these are the industry standard drops for testing the levels of hydrogen in the water ) to test the hydrogen levels in the water. Although the XXXX XXXX XXXX states that XXXX PPM is essential for optimal hydrogen absorption, the test of water produced by the XXXX machine revealed a Hydrogen level of only XXXX PPM. I also performed an alkalinity test which revealed only a XXXX. On or about early XXXX late XXXX of 2020, I contacted Enagic via online chat in an effort to resolve the matter. The representative with whom I chatted did not deny that the product did not produce the highly alkaline, hydrogen-rich water promised but merely said that XXXX would not take back the machine because its use provides other health benefits, refusing to take back the machine and associated supplies. Afterward, I contacted the credit card company and filed a dispute because the product I received was not that which was promised and was unable to resolve the matter with the seller despite good faith efforts to do so. Even with the current state of the pandemic, I acted in a timely manner at every step : in testing the water, in contacting XXXX to resolve the matter, and finally in filing a dispute with the credit card company. The credit card company simply wrote me back and stated that I missed the timeline for a dispute. I explained to them that this was not a matter concerning time but not receiving the goods promised by XXXX. The credit card company is still taking money out of my account and has no plan to protect their consumers from merchants conduct that falls under a violation of the Texas Deceptive Trade Practices Consumer Protection Act ( XXXX et seq. of the Texas XXXX and XXXX XXXX XXXX because you exercised false, misleading, or deceptive acts or practices in the conduct of trade or commerce by : XXXX. Representing those goods that have characteristics, uses, benefits, or quantities which they do not have ; XXXX. XXXX. Advertising goods with intent not to sell them as advertised ; and/or XXXX. XXXX. Failing to disclose information concerning goods that were known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed. | ||||||
| 02/03/2019 | Yes |
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| Although the prepaid debit card states : " an inactivity fee of {$2.00} per month will be deducted from your available balance in the 13th month of card account inactivity '', it also states : Unless prohibited by law. According to Washington State : Wash. Rev. Code 19.240.040 Can enforce a dormancy or inactivity charge if : ( 1 ) disclosed as specified ; ( 2 ) The remaining value of the gift card is {$5.00} or less each time the charge is assessed ; ( 3 ) The charge does not exceed {$1.00} per month ; ( 4 ) The charge can only be assessed when there has been no activity on the gift card for 24 consecutive months, including but not limited to, purchases, the adding of value, or balance inquiries ; ( 5 ) The bearer may reload or add value to the gift card ; and ( 6 ) After a dormancy or inactivity charge is assessed, the remaining value of the gift certificate is redeemable in cash on demand. I was charged {$2.00} a month after 13 months of inactivity. I called about these charges ( via XXXX XXXX on XX/XX/XXXX and spoke with XXXX at XXXX XXXX, who confirmed that on XX/XX/XXXX, I had {$21.00} on my card ), after my account was drained from monthly inactivity fees, and was told I would be credited back the {$21.00} I had left on my card before the fees started. I received a new card, which I was assured would have the full amount on the card. When I called to activate my card, I was surprised to learn that this new card had a XXXX ( XXXX ) balance. I called again and spoke with XXXX XXXX from XXXX XXXX on XX/XX/XXXX at XXXX XXXX and was on hold for about 30 minutes, with XXXX checking in with me every 10 minutes to make sure I was still on the line. He told me that XXXX did not finish the transaction and that he would look into it. Soon later, during the same phone call, XXXX told me that I had to show proof of the Washington State law and submit it to corporate for a review. I asked to speak to a supervisor, which I was granted. XXXX, the supervisor, told me there was nothing she could do and that I had to prove I was protected under Washington State law. I also informed XXXX that by law, the company would have to send me a notice by mail 90 days before the fees start to incur, before they can start charging me the inactivity fee. XXXX responded by stating that they are not bound to that law because of the terms and conditions included in the debit card packaging. This information sounds deceptive and leads me to believe that XXXX XXXX uses this practice to hoodwink their customers. My question is, shouldn't the corporation running these prepaid debit card programs be aware of the laws of each state? The way the company handled my complaint led me to believe that they have done the same act to many other people who are protected under their state laws. | ||||||
| 06/02/2023 | Yes |
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| About 2 years ago I refinanced a commerical property with US BANK. Around last XXXX they came back and said they need to do additional paperwork to match the loan to title. For 6 months I provided requested information. I went in to a branch last fall to sign the new documents. AT ALL TIMES I WAS TOLD THIS WAS JUST FIXING THE PAPERWOR AND NO CHANGES WERE BEING MADE TO THE LOAN. They had me come back around XXXX of this year to sign even more documents. Then in late XXXX, XXXX again said he needed more documents signed. I was busy and couldn't get to it right away and XXXX said he needed them ASAP and would even come by and pick them up. So i went to sign but read the documents first. They attemped to MODIFY the note by adding in a PREPAYMENT penalty that was not in the original loan. This was stuck in the middle of a bunch of other RUSH signings. At no time was I told that they would be modifying the note. I responded that I would not sign the amendment because it was a fraudulent attempt to modify the note. They also have falsy reported negative information to the credit bureaus. I tendered payment in full and on time. But UNKNOWN to me, they changed the loan number. And US BANK rejected my payment. This was discovered and corrected. But they not only reported a late payment ( wrongly ) but they haven't fixed it and now there are 60 day late payments. My credit score dropped almost XXXX points and i was denied credit ( this is how i found out ). And this doesn't even begin to relate a separte major screw up on their credit card/banking side that took me 9 months and cost my thousands just to get them to fix their problem. And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused. Another Complaint : US Bank credit card reps ignored mutliple direct demands not to withdraw money out of a closed account because there was no money in the account. They did it anyway causing an overdraft. US Bank credit card side DOES NOT COMMUNICATE AT ALL to their banking side. I spent over XXXX hours on the phone on multiple occasions, went in to TWO branch offices and was ALWAYS told that they would take care of it. NO ONE DID ANYTHING. But of course i got multiple threatening letters telling me i had to pay it. I wrote emails and letters to branch managers and regional managers before i got this taken care of. AND I STILL HAD TO PAY THEM MONEY I DIDN'T OWE THEM! And this isn't 1/10 of what i had to go through. Complete incompetence at every level. They simply ignored me and demanded that i pay them. And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused, AGAIN | ||||||
| 07/31/2023 | Yes |
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| I am writing to dispute the information that was reported to XXXX by your institution, U.S. BANK CORPORATION. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in XXXX XXXX XXXX ( a ). According to the XXXX XXXX ( XXXX ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for U.S. BANK CORPORATION to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers. Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information. I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter. Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter. | ||||||
| 11/09/2020 | Yes |
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| I receive Pennsylvania Unemployment that is loaded on a US Bank ReliaCard. Back in XX/XX/2020 i went to the store and my card was declined. I knew i had funds on it XXXX over {$400.00} at the time ). I called the phone number on the back of the card and was told it was locked due to an " address update '' .. ( also i got no notice at all saying my card was locked or inactive ) but okay no problem, was told to fax or upload my state I.D, a W2, social security card. So i Did that, then received email saying they are sending me a new card. I received my new card somewhere around end of XXXX. I activated new card and all was well, until XX/XX/2020. I went to use my card again at a store for a small purchase just to have it declined. Tried again, declined. I ended up calling the card company again just to be told the same thing i was told in XXXX. I ended up calling over 5 times getting in touch with 5 different representatives, which gave me different reasons ( along with the same reason as XXXX XXXX to why it is locked. One told me it's address/I.d update, another told me it was suspicious fraudulent activity ( which there was none at all XXXX and the other reason was " bank audit ''. I was told to fax/upload the exact same documents i uploaded in XXXX. So i did because i was not getting any answers anyway. Card was locked XXXX XXXX, documents were uploaded XXXX XXXX ( uploaded them twice, because first time they said the file was not able to be opened, but 2nd time it was accepted ) i called back and was told it takes 5 business days for them to be reviewed. I called them honestly over 120 times since the 5 business days had passed and i am being told to just wait, that it is an " off site '' department that handles the locking and unlocking of accounts/cards. I Demanded supervisors numerous times and was hung up on numerous times. Eventually getting in touch with a " supervisor '' or " upper management '' on XX/XX/XXXX and he said that their is no reason at all my card should be locked and he put an urgent/important note in to this department and told me within 24 to 48 hours it would resolved. Today is XX/XX/XXXX and it is still locked and i can not get any answers besides being told to " wait ''. I have been disrespected and hung up on many times. This so called customer service isn't doing anything to help me or resolve the problem. I am behind on my bills and my car insurance is going to end up lapsing if my card is not unlocked ASAP like today. XXXX not to mention, it has nothing to do with PA UNEMPLOYMENT, because PA UNEMPLOYMENT is still accepting my claims and loading $ onto my card that i can not even use due to it being locked. ) I dont know what else to do, this is totally unacceptable in everyway. I will take any help i can get. Thank-you | ||||||
| 04/12/2017 | Yes |
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| US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive. | ||||||
| 05/18/2020 | Yes |
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| I opened a credit card with Elan Financial in XX/XX/XXXX because of the advertised 2 % cash back on all purchases. Within weeks they cancelled it and refuse to pay the advertised 2 % cash back. They are presently in violation of civil code XXXX and they also failed and refused to send written notice of the cancellation. On XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) indicating that Elan Financial " believe that you have fallen victim to a credit card scam '' and thus the account has been closed to any further activity. That day ( XX/XX/XXXX ) I called and indicated that there was no fraud, I was not scammed, and I would like my account reactivated. They said it would be reviewed and I would be called with the result. I received no further contact on the issue. I did subsequently receive two things : A statement dated XXXX which I paid in full. A letter ( received XX/XX/XXXX ) indicating that I should call to activate my card. I called ( on XX/XX/XXXX ) and over the course of several torturous hours I was informed of the following : On XX/XX/XXXX the account was reviewed and based on the pattern of spending Elan Financial chose to cancel the account. That decision is final. Furthermore, cash back will not be paid on a closed account. They do not believe that they need to provide written notice of cancellation and they do not believe they have to honor their 2 % cash back offer. I pointed out that this violates California Civil Code - CIV 1747.85 which states : Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so Now, their original XX/XX/XXXX account suspension for fraud is consistent with XXXX. However! There was no fraud and the subsequent cancellation on XX/XX/XXXX for the pattern of spending is in violation of XXXX. Simply put : They have cancelled my card for nebulous and specious reasons which they refuse to put in writing. They will not even put the existence of the XX/XX/XXXX cancellation in writing. Finally, they refuse to pay the 2 % cash back that induced me to open the card in the first place. Their argument : Elan Financial can close the account immediately without written notice regardless of cause. As soon as the cancellation decision was made on XX/XX/XXXX, all unpaid cash back became null and void. My argument : They can not close my account until 30 days after written notice of the XX/XX/XXXX decision per XXXX. Within that 30 days, I may withdraw my cash back and that is what I am seeking. My 2 %. Note : Please distinguish between the XX/XX/XXXX suspension for fraud and the XX/XX/XXXX cancellation for pattern of spending. One is legal but irrelevant. The other is a gross violation of XXXX. | ||||||
| 07/31/2017 | Yes |
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Web | Older American, Servicemember |
| I am submitting this complaint against US Bank due to the disparate treatment that I have experienced in reference to my account closure. While I understand from the replies ( verbally ) that I have received from multiple Bank Representatives that all accounts that I currently have, 2 checking accounts, and one savings account, are being offset due to an overdraft amount in one checking account ( 2nd account ), I was also informed that when my Federal Pension is deposited - the one checking account that is overdrawn ( 2nd account ), that account will subsequently give the Bank authorization to hold my Federal Pension that is regularly deposited into my original 1st account. In addition, I was informed that the Federal Funds will have to be verified before release, and once released, the Bank will process a Cashier Check within 10-15 days for mailing. Specifically, this information was provided to me by the US Bank Risk Department that is handling the closure. I am not in agreement with the Bank 's decision to hold my Federal Funds, as these Funds are verifiable. This is my income that has been deposited to this Bank for over 10+ years. If I do not have my Funds released, I will ultimately be late with my Mortgage Payment, Insurance, etc., and I will hold US Bank accountable for the distress, and damages that will occur because of their action. Accordingly, I have reached out to the local Branches to speak with Branch Managers, District Manager Assist, Operations Manager, and Representatives/Supervisors at the US Bank Call Center. I have been given different dialogues, as well as being pawned off to different departments. For example, the Risk Department advised me on many calls to reach out to the Branch Managers that oversees each particular account, when I do so, the Branch Managers tell me that, that is the wrong information and they can not do anything about it, and go back to the Risk department that is closing the account. This type of activity has taken place for one week when I have tried to reach out. While I understand that the Bank has made a decision to close the account due to the overdrawn status and subsequently, my mishap of resolving the overdrawn amount, by no means am I inagreement for the Bank to withhold my Federal Pension. When the Bank offsets my account, they should re-coup what is owed to them, and release my Pension Funds immediately at time of Federal Pension deposit, minus the off-set. Additionally, I contacted my Federal Pension Personnel Department in XXXX XXXX to report the matter, and I was advised, the Banks action is illegal, and advised what steps to take to report and file. Furthermore, I also request the Consumer Financial Protection Bureau to assist with outreach of my complaint for direct resolution. Thank you. | ||||||
| 05/23/2023 | Yes |
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| XX/XX/XXXX : My sister passed away Late XXXX : I met with attorney. Advised to keep one account open to receive any checks in sister 's name only. I notified US Bank via phone and spoke to XXXX XXXX to inform them of her death. XX/XX/XXXX : I went to XXXX branch of US Bank. I was told no beneficiary was listed on the checking account. They told us no further new transactions could come out of account and only pre-existing auto-pays such as her mortgage and utilities would continue. They told us the rest would have to go to probate. the plan was to request a small estate recovery once all checks had been deposited from sale of house. XX/XX/XXXX : ( date on letter ) XX/XX/XXXX : ( date of my phone call ) I received a letter stating that my stop payment request had been received. I never made any such request and obviously neither had my sister so I called to confirm they were aware she had passed. They would not discuss any information on the checking account or even discuss the letter but confirmed they were aware she had passed ( they transferred me to XXXX XXXX twice ). They did confirm no new business could come out of account. XXXX of XXXX : The house sold. XXXX and XX/XX/XXXX : Receiving checks from sale from real estate taxes and unused insurance. XXXX XXXX : Received statement from US Bank which showed an unauthorized withdrawal on XX/XX/XXXX of XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. I called US Bank again and once again directed to XXXX XXXX and told would sort these out once probate happened. XX/XX/XXXX : I spoke to attorney and started probate proceedings. XX/XX/XXXX : I received a statement from US Bank which showed an additional XXXX withdrawn on XX/XX/XXXX. I once again called and this was a repeat of earlier conversation. XXXX XXXX : I received statement showing unauthorized withdrawal of XXXX on XX/XX/XXXX. I did not call this time. XX/XX/XXXX : Probate hearing for small estate in XXXX XXXX XXXX. XX/XX/XXXX : Received paperwork from court. XX/XX/XXXX : Had an appointment with branch manager at XXXX XXXX. I presented my paperwork and was told I could only have what was left in the account. I wanted to discuss this further with the attorney. They assured me the account was truly frozen and no further transactions could occur ( even pre- arranged autopays ). I noticed even the XXXX to patreon my sister had coming out of the account stopped at this time. XXXX XXXX : I received statement showing another unauthorized withdrawal of XXXX from the account on XX/XX/XXXX. XX/XX/XXXX : I received Notice of Insufficient Funds in mail. They had actually given out more than what was in account. XX/XX/XXXX : I called and reported all above to OCC. XX/XX/XXXX : I filed my complaint. XXXX : referred my complaint to you by OCC | ||||||
| 02/06/2022 | Yes |
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| My complaint is with US Bank Visa and XXXX XXXX, XXXX I placed an order for windows in XXXX of XXXX ' with a deposit on my US bank visa for {$3900.00}, a balance of {$7900.00} was due at installation completion and signoff. In XXXX of XXXX, the installation, and cleanup began, but was never completed and signoff never happen. The lead rep on the job was supposed to return to bring screens and complete a walk through and signoff, which never occurred. We found a damaged window and a need for screens on two windows to be added to complete installation. The lead rep never returned and the only indication that i had that the job was complete from their perspective was an unauthorized charge to my credit card. This was deemed to be illegal from all sources i managed to check, including US bank reps. I have tried to contact the merchant, who did not have my authorization to charge my card, with a supervisor from the credit card company. I left a message with the merchants answering service, which was recorded by the US bank, which i never received a reply. I have been working with US Bank since XXXX, which is when i noticed the charge on my credit card statement. I have made XXXX calls to the credit card company over XXXX months without success. I was told that because i did not respond timely to an inquiry they made, which i never received, that the case was closed and could not be revisited period. Later i was told by a supervisor that this was not completely accurate ...... My complaint is the following, with both the bank and the merchant : how can you charge my account without my authorization? This is a question that the bank could have answered on day one, but they have not, so if i had an oversight of a call, which i have not, they should have been able to answer this question on my initial inquiry. Why has the merchant not been contacted to see why they charged the account without authorization? Had they bothered, i am certain the transaction would have been resolved by now. Since the merchant and i both are paying for the bank 's service, why are we not treated equally with this transaction? Am I not able to get a hearing from the credit card company? Finally, the credit card company told me, which I still did not get an answer to my original question of why, but told me that i could claim a lesser amount to dispute because part of the job was completed. I did not agree, but i capitulated in an attempt to bring closure, but this too failed as the bank never responded to this solution either, which they suggested. Final complaint, they charged me interest on a dispute, which they claimed to restore, but the never did. Why am i paying interest on a dispute?? I can provide bills, contracts, account numbers and statements at your request | ||||||
| 10/08/2021 | Yes |
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| On XX/XX/XXXX, at XXXX XXXX I gave a delivery driver a tip for {$12.00} on a check. The date on the check was XX/XX/XXXX. On XX/XX/XXXX, the check was cashed for {$1200.00}. The check is clearly altered. The word line says XXXX XXXX with XXXX written over dollars. The box says {$1200.00} On XX/XX/XXXX, I reported this as fraudulent to XXXX. The fraud department said they may have to close down my accounts. No information was given as to when. In this initial conversation I was told I'd get provisional credit ten days after I submitted the documents needed to fraud. On XX/XX/XXXX, I arrived at my bank to get money out. I asked the teller if I could still remove funds given what had been told to me by fraud. He assured me nothing would change on my account. In the following week, my account was shut off. I had to run to get everything changed for vendors and direct deposit. My work was switching over their payroll system and I had to run in to change things. I updated that on XX/XX/XXXX. My phone was turned off before I realized my account was closed. I updated my mortgage payment one day before it bounced. In subsequent conversations, I was then told that I needed to submit the documents within 10 days or nothing would be returned. I did not receive the documents until XX/XX/XXXX. I was told I opted to have them mailed. So I was under the understanding that I have the remaining business days of this week to get that in. The documents clearly state I have 30 days to get it in. Then I followed up with bankers this week. I was concerned about whether payroll would have been updated soon enough. In these conversations, I was told that I would not be given any provisional credit and that my home branch could opt in their discretion to give me back a portion until I got by. I was then routed to the XXXX XXXX XXXX location that does not even have voicemail. From XX/XX/XXXX through XX/XX/XXXX, I was hit with three I've overdraft fees of {$36.00}. No mention to me that I wouldn't have the bounce protection I had on my old account. Even if I had been informed, I was running all over town making sure I wouldn't be in default. I informed USBank the predicament with the XXXX branch being closed. I was then informed that I was in the private client group and maybe that they would give me credit in their discretion. I spoke with them. They set up an ACH redirect for the old account to the new account. They were unable to tell me when I would get that ACH redirect. One person told me on Tuesday, XX/XX/XXXX would be the earliest. Now I realize there is less protection for paper fraud. But how in the world is this permissible? How can their very clear error be so egregiously be set on me to the point I'm paying more than {$100.00} in overdraft fees? | ||||||
| 07/10/2015 | Yes |
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| My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear. | ||||||
| 11/02/2023 | Yes |
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| XX/XX/XXXX : XXXX XXXX : XXXX to set up account. He assured me that even though the wrong E Mail and phone was on some forms, he would correct them once the account was open. XX/XX/XXXX : Called XXXX banking. : XXXX XXXX, including XXXX min hold. Assured phone and XXXX mail was corrected. XX/XX/XXXX : Called XXXX banking : XXXX XXXX. XXXX said she could not do anything without speaking to XXXX. She said she called XXXX and would call me back. XX/XX/XXXX : Called XXXX banking : XXXX Minutesincluding a XXXX and XXXX hold. Put me on hold for someone else. Another XXXX min hold. XXXX spent XXXX min. could not help. Said he notes would be seen my next helper. Transferred me to Web Support. Norm said he could not read XXXX notes. Started over. He could not help. Escalated to XXXX operations center escalation supervisor. Will hear from them in XXXX days. XX/XX/XXXX : XXXX XXXX. Called branch manager who said sarcastically Ive heard about you. She had no idea why this was happening. Called her supervisor. Spoke to him the next day. XX/XX/XXXX : XXXX minutes. called online banking. She said by bank rules no information can be changed for the first XXXX of a new account. I should call back on XX/XX/XXXX. XX/XX/XXXX : XXXX min. Call from bank manager. She was wanting to get XXXX Banking on a three-way call. When I explained the phone call, I just finished, she said, she never heard of such a rule. Online banking hung up before she could get me on the line. She blamed me for this say If you hadnt been ranting. She agreed to call me on the XXXX and personally walk me through the process of updating my phone and XXXX mail. XX/XX/XXXX : XXXX XXXX. called customer service. she tried to help. Transferred me to XXXX XXXX XXXX. XXXX could not help, either. Was sending it to XXXX XXXX Department. Will hear back in XXXX days. Escalation Case Number XXXX. XX/XX/XXXX : XXXX Minutes : called XXXX. XXXX said he was with the XXXX XXXX Department. I gave him the case number, he paused, said hold a moment. He transferred me to a general number, that started the process from scratch, asking why I called, XXXX. After XXXX more minutes I got XXXX. He reported the XXXX XXXX Department is behind the scenes as of last month and he has no way to contacting them or transfer me. He said he was going to talk to his manager. He went away and came back after 17 minutes on hold to say, the manager was reviewing the case and it shouldnt be too much longer. I asked to speak to the manager. He transferred me to XXXX, who said he was available want awaiting my call. XXXX XXXX XXXX, XXXX. XX/XX/XXXX : XXXX Minutes. called XXXX. Chrisclaimed he was a different XXXX. On hold to talk to a supervisor. XXXX was not available, but XXXX assured me that XXXX will call within XXXX minutes. | ||||||
| 08/22/2023 | Yes |
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Web | Older American, Servicemember |
| I bought a XXXX XXXX on XX/XX/XXXX from XXXX XXXX for XXXX The TVs motherboard melted down on XX/XX/XXXX. I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, this took over a week. I called XXXX XXXX and wanted the TV replaced with another TV, they denied me and stated their extra warranty doesnt begin until XX/XX/XXXX and until then I have to resolve any issues with XXXX XXXX Repair man replaced the motherboard and the TV booted up again. The TVs motherboard melted down again on or about XX/XX/XXXX. I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, again, this took over a week. Anybody by now would think they have a lemon, Im positive I have a lemon but I thought I was stuck with no recourse. I then thought that if I contacted the credit card company, Elan Financial under Fidelity, I called and placed a billing dispute asking for a credit for XXXX to my card and either have them come pick up the TV or I would be happy to take it back to whomever. Elan Financial took my dispute complaint and followed up with a letter asking for more details, I called to give them details and also returned their letter with the same info. Not too long after this they sent me a check for XXXX. I ASSUMED THEY FOUND IN MY FAVOR AFTER THEIR INVESTIGATION Anyone awake would make the same assumption but on XX/XX/XXXX they sent me a letter stating under the fair billing credit billing act if I believe there's an error in my bill I have to respond within 60 days I contacted them as soon as the TV melted down because there was no way I could have guessed ahead of time that it would melt down on me. And why dont their Reps know this simple 60-day rule? Why did they string me along and act as if I had a legitimate complaint? Their Reps should say its been so many days so you cant place a billing dispute? And of all mismanaged things, why would they send me a check? I called to ask the above questions and the Reps read off a bunch of legal speak and said to me that even though the Reps know about the 60-day rule, they must take a complaint. And still, why do they send a check leading me to believe they found it in my favor? This stinks so bad that Im sure they XXXX XXXX on their end and are using legal jargon against me, they should be punished for sending me a check. The TV manages to work. I told them this. I told them I do not want free stuff but who would feel secure that the TV wont meltdown again? Im just waiting for the 3rd meltdown to occur. You would feel the same way. I had to put the XXXX on another card because I don't have almost XXXX extra floating around, they are a huge bank and to them this glaring mismanagement is causing me financial hardship. | ||||||
| 09/29/2020 | Yes |
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| US bank ATM ate my money during the deposit. 1. XX/XX/2020 around XXXX XXXX I tried to deposit cash into the ATM. During the deposit, an error occurred. The ATM swallowed my money, but the transaction was not reflected in my account. The amount of money I lost was {$8800.00} in total ( the first attempt was {$2700.00}, and then the ATM asked me " Deposit more? '' so I continued the second attempt, which was {$6100.00} ). That was all {$100.00} bills. Worst is, I lost {$8800.00} cash but I just only got one receipt regarding the first attempt. 2. I reported the error to the US bank by phone on the same day ( XX/XX/2020 ). 3. US bank provided me {$5300.00} as a provisional credit om XX/XX/2020, but they withdraw {$2600.00} on XX/XX/2020. 4. Around XX/XX/2020. I got a letter from US bank, saying they only admit {$2700.00} as final. I can not accept the result because there was too large gap between what I lost and their final decision. 5. On XX/XX/2020. I sent a USPS certified mail to tell US bank what happend exactly, and what's going on until now. However, US bank did not reply to my postal letter. Because I'm afraid that there was miscommunication due to the language barrier. Actually, I made several phone calls to US bank to see if what's going on with my case. I asked for getting help from a XXXX interpreter, but the representative just ignored it. This same ignorance happened twice. 6. On XX/XX/2020, while talking to US bank via phone, I realized there was some miscommunication on my initial claim due to the language problem. So, we corrected the amount of money that I lost at ATM, {$8800.00}, with help from a XXXX-English interpreter that US bank provided. At that time, the representative of US bank said he fixed the problem resulted from miscommunication. And he said he re-filed the claim as {$8800.00}. And he said I will receive a letter and provisional credit within 10 days. 7. XX/XX/2020. Until now, I haven't got any reply like letters, phone calls, or credit. I made a phone call to US bank, I asked why you did not provide any information about my case. However, they just said it is still under investigation. It already past two months. 8. It is big money to me, but they do not show any effort to solve it. To preserve the evidence, I ask them to preserve the surveillance camera film on the site until this case is resolved, but the representative said they can not handle it. 9. I am a weak individual consumer, US bank has all the evidence and authority but they are not cooperative. It is unfair. The only means that I contact to US bank is making a phone call. Whenever I make a phone call, I have to spend about 1 hour waiting in line. And they do not give any proper answers. They are only saying it is still ongoing. | ||||||
| 10/16/2018 | Yes |
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| on XX/XX/XXXX I was notified of water damage to my basement. I was out of town at the time. I notified XXXX the Insurance company. They Issued me a check made out to myself and US Bank Mortgage company. I was told I had to find a contractor for the work. the insurance company / adjuster could not recommend anyone. I was not told of any guidelines or conditions that had to be met by the contractor. This is the first time I've had to deal with an issue like this. I took the Check and contractors estimate to the Local US branch where the Manage called the loss draft department for steps how to process the check. He and I were told I would assign the check and he would nail it to them they would reissue a check to me. that was on XX/XX/2018. I naively expected a check the following week and had the contractor start work. a week later I get a packet requesting documents but no check. I had to pay the contractor XXXX dollars to start. I held off paying my mortgage to pay the contractor. now I'm behind I start getting threats of foreclosure in the mail. demands to start applying for loss mitigation. I hadvtas XXXX 2 weeks off work without pay and get hit with all of this so now I can only expect 25 % then another 25 % after the inspection. The loss draft department keeps delaying payment. claims they have not received documents I had faxed. coming back and requesting my signature on forms that did not ask for my signature. The contractor finished and I paid him the balance owed on XX/XX/2018. I faxed the loss draft department the receipt. I recieved a check in the mail for 25 % on XX/XX/2018 made out to me and the contractor. I called the loss draft dept. that day and aasked why they put the contractors name there when i sent them the paid in full receipt? they claim they did not get it. I took the receipts and check to the XXXX Ohio US Bank branch on XX/XX/XXXX and had the Manager, XXXX XXXX copy them put them in an overnight envelope to the loss draft department and heard him speak to XXXX XXXX in the resolutions department about all of the above.. I recieved received email notification they received it on XX/XX/XXXX. Today. XX/XX/XXXX I get a call from the loss draft department that my request to have the contractor removed from the check was denied because they show he is still owed money. so I ask what happened to the paid in full receipt? ahhh there it is. another 5 tov10 day delay. Us Bank sent their inspector on XX/XX/XXXX the work is 90 % completed. I had to submit approval to the insurance company to rreplace carpet. that is pending and all that needs done. I am broke out of pocket. They are threattending foreClosure if I dont have XX/XX/XXXXs paymdent paid by the XX/XX/XXXX. and they want to kee.g.p delay reimbursing my insurance payment. | ||||||
| 09/07/2016 | Yes |
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| This may be hard to follow at first glance. I have my auto loan through US Bank. I was double charged in XXXX 2016. I immediately called US Bank and asked what they were going to do to fix it. The guy said I need to go to my bank and do a stop payment on one of the charges. I did this and stopped one and allowed the other that was supposed to go through, to go through. It went through, but a few days later US Bank reimbursed me. I did not need to be reimbursed since I already stopped the bad payment. I called back a few days later explaining this to customer service, and the guy said to me that I am all up to date and everything looks good on their end and that I should n't make another payment. So, I did n't. Now all of a sudden in XX/XX/XXXX I start getting calls that I 've been dinged for late fees since XX/XX/XXXX. What happened was, they charged me twice, I stopped one, and then they reimbursed me for the other by mistake. Then when I explained this to them they did n't allow me to make a payment correcting it, because it had n't shown up in their system yet. So, I do owe a XX/XX/XXXX payment now because of their mistake. However, I should not be responsible for the late fees they have charged, because I HAVE N'T BEEN LATE! It was their mistake. I am on autopay, so when the XX/XX/XXXX payment rolled around it kicked it back to XX/XX/XXXX, then XX/XX/XXXX back to XX/XX/XXXX and so on. I have talked with countless people in their company and none of them ever get this problem fixed. The last person I talked to told me he saw in his notes where all of this happened and that the late fees will be taken away. Last Wednesday XXXX XXXX I told him I would make an extra payment to make up for XX/XX/XXXX and then on XXXX XXXX my autopay should be back on track, but I will not pay any late fees. He said this would be the best thing to do and that it should fix the problem and I wo n't have any late fees accessed. However, I checked my bank account this morning and only one payment came out instead of both, and this payment had {$59.00} in late fees. I ca n't tell you how many hours I 've been on the phone or how many people in this company I have dealt with but it 's ridiculous. I even sent in my bank records to their dispute department showing that I paid on time in XX/XX/XXXX and they only called back once while I was at work, left a voicemail that showed they clearly did n't understand this isssue, and did n't even leave a call back number. Please help me resolve this issue with this terrible company! If this continues much longer, it will come to the point that their system will show me over 30 days and will report me to the credit agency and I have never been late! If my credit score gets dinged for their mistake I will be contacting a lawyer! | ||||||
| 07/16/2020 | Yes |
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| US BANK : I am contacting you again in regards to the same complaint that has now taken a new direction without my awareness and without US Bank attempting to inform me yet again. In my last complaint I sent through cfpb, you instructed me to stay in contact through my branch manager. However, while she helped me keep my personal accounts open at that point in time, apparently as of recently, someone above her over-rode her request and those accounts began closing without me being informed as of yesterday, XXXX. Where in this agreement, https : //www.usbank.com/pdf/Deposit-Account-Agreement.pdf, does it lay out your right to close my accounts? Furthermore, specifically in regards to my personal accounts, under what premise are you closing those after years of low risk activity and good standing? Lastly in regards to the Deposit Account Agreement, I'm not sure I understand the part about arbitration fully in relation to associated costs in the Agreement effective XX/XX/2020. Could you clarify for me? Who pays for arbitration, you or me? Were there any changes to the written agreement after my situation took place, since it went into effect XX/XX/2020, in relation to my situation or is that covered in the agreement as well- If so, could you specifically point it out please? Finally, where have you informed me prior, as the customer having never been in this type of situation before so therefore not knowing how it would go, that I can not speak directly with those at US Bank making decisions regarding my account? Where do you inform me that I can not speak with anyone about the measures taken to determine there was fraud on my account, leading to your final decision? Your calls are monitored and recorded, right? So, you should have on record, me contacting the bank about this deposit before scheduling transfers. How is the bank able to ignore my safety precautions, security checks, and attempts to make decisions in accordance to maintain good standing with the bank? A relationship does not work if one party tries to explain the situation ( me ) and seek advice on what to do at this point in time ( from you ) to be told one thing ( from you ), to act in accordance with the advice, ( me ) to then have the opposite outcome ( from you ) from what was advised take place. You is the US Bank representative I spoke with that day. In other words, you can not operate successfully or maintain relations when you say one thing and do another. The bank could have easily put themselves in a no risk position by properly handing my phone call that day, but they didn't. I want to know how the bank is able to put this all off on me, when as I see it, I did my part. I am seeking answers to all my questions. They are not rhetorical. Thank you, XXXX XXXX | ||||||
| 07/01/2021 | Yes |
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| Since XX/XX/2021 my US Bank ReliaCard, which is where my Oregon Child Support Funds are deposited, has been inactive due to an attempted ACH transfer that was in question. Back in XX/XX/2021 I verified that the ACH transfer was attempted by me, and was told that all I needed to do to unlock my account was upload my Florida DL via web portal, and that my account would be activated within 5-7 business days. I immediately uploaded the copy of my ID and my selfie, as requested by the verification site, but weeks went by and my account was still locked. I called back, and once again was given the same information, so I once again uploaded my ID and selfie to the portal, and proceeded to wait. After another 2 weeks my account was still locked. I called 4 days ago, and was told they were escalating the situation and that I would be able to call back later in the week for more info. I called today and was given a completely different story than what I had previously been told which was that what needed to happen is that I needed to verbally verify, once more, that the transfer was initiated by me on XX/XX/2021, then fax or upload my ID directly through my mobile banking website. I proceeded to do this immediately after getting off the phone, waited a couple hours, then called back for a status update. When I called back, the customer service agent was extremely condescending, laughing as she told me that there is nothing she or the supervisor could to to help me. She finally transferred me to supervisor XXXX, who was able to verify that my info was received today, and told me that I would have to wait another 5 days before my account would be unlocked. She said there is no way to contact the department who does the verification, and that I would just have to wait. On top of it all, when I told XXXX the supervisor about how I was treated by the other agents, she simply said she would take note of it. I told her that she needed to speak with her staff, which she just ignored. The problem - aside from the 6 week runaround and misinformation that Ive been receiving - is that I had done every thing that I was asked to do, multiple times, and still do not have my money, which I desperately need to pay my rent today. On top of that, I was mocked, laughed at, and made to feel stupid for being upset about it. After doing a quick web search, it seems that US Bank ReliaCard has a bit of an issue with this situation, that has been repeated time and time again for numerous customers, all of whom needed their money to survive. Child support, unemployment and other types of government funds are not something we receive for fun or pleasure. This is the money we use to pay our bills and live, and this kind of treatment needs to come to an end. | ||||||
| 04/12/2016 | Yes |
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| I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday XXXX XXXX I was told it would be taken care of right away, I called back on the XXXX because it was taken care of, I talked with a manager and we did a XXXX way call to verify with my bank that the money was in fact taken out twice, I was told it was a XXXX3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there, she said she would call herself to make sure this is rushed being it was {$12000.00} that was taken out. She then called me back after talking to someone and told me the money would be back in my account Thursday or if not then then for sure by Friday. Well Friday came and went and still no repayment of the extra {$12000.00} they took from my checking account because of a computer glitch on their end. I called customer service again on Friday and talked to another manager. I was then again told oh we are very sorry but it does n't look like the person you talked to on wed. Noted on the account that he already verified the money was taken out so we will have to do that again and we do n't work on the weekend so we will have to do that on Monday. And after they do that on Monday it will then be another XXXX3 days to process. Well it is not XXXX XXXX and I am still waiting for my {$12000.00}. The manager did call on Monday saying it was out of the XXXX department now I just have to wait for them to submit for the refund. I asked them what they are willing to do to make this right because they stole over {$12000.00} out of my account and refused to put it right back in. They said they are willing to give me a {$75.00} credit and a sorry. I told them {$75.00} does not cover the size of mistake they made and the stress it caused me of going a week missing {$12000.00}. They were not willing to do another more and said I could send a letter to take it further. I have never received such horrible customer service regarding a mistake that there company made. I should never have to wait over a week to get money that was wrongly taken from my account especially when it was such a large amount. I feel this was very criminal on their end and they need to do something much more then give me {$75.00} to correct their issue. If I would n't have been lucky enough to be able to pull money from a different account to cover their mistake I could have had many payments and things bounce back because my account would have been negitive and would not have had any funds to even live off of. Luckily I just sold my condo and had some extra money to still live on for the week. | ||||||
| 07/09/2022 | Yes |
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| XX/XX/XXXX Consumer Financial Protection Bureau Office of Innovation - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX Washington XXXX DC XXXX U.S. Department of Justice Internal Revenue Service Bankruptcy Specialist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Washington, DC XXXX To : Consumer Financial Protection Bureau Re : US Bank - complaints on file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Marked as a duplicate complaint on XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Marked as a duplicate complaint XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX Company response is in progress as of XX/XX/XXXX in relation to CFPB 's personal own statement that " Each week we send more than XXXX complaints about financial products anld services to companies for response. If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 15 days. '' and the details listed below. Dear CFPB, on XX/XX/XXXX, a US Bank National Representative, on behalf of US Bank National Association, filed into the public records of XXXX XXXX XXXX XXXX XXXX, a list of their own Corporate Representatives, who have personal knowledge of all matters pertaining to me and any business relationship/interactions occurring between me and US Bank National from XXXX to the present date. The first complaint submitted to the CFPB regarding US Bank National was on XX/XX/XXXX and submitted thereafter, CAN be responded to within the 15 days alloted by the CFPB and the Bank does not require more time, as they have indicated in a response to the XX/XX/XXXX complaint. On XX/XX/XXXX, each individual listed below was personally named as a witness in an action filed against me by US BANK National, and each individual should be contacted directly to respond to all complaints that I have filed with the CFPB sent to US Bank National and are still awaiting their response. US Bank National described these individuals witnesses as its own : " Corporate Representatives '' - see the attached Court Filing # XXXX E-Filed XX/XX/XXXX XXXX XXXX, who are individuals that are willing to and will testify as to authenticity of documents, the boarding process of business records, and that the records are kept in the course of regularly conducted business. These Corporate Representatives of US BANK NATIONAL have stated that they can also testify as to the fact that a default occurred and the amounts are due and owing. These corporate representatives of US BANK NATIONAL are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/09/2020 | Yes |
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Web | Servicemember |
| Us bank account problem XX/XX/19 a deposit of XXXX leaving a positive balance of XXXX. XX/XX/19 a purchase was made at car wash for XXXX dollars unavailable funds XX/XX/19 a purchase was made at XXXX XXXX for XXXX unavailable funds XX/XX/19 a purchase was made at XXXX for XXXX unavailable funds XX/XX/19 no purchase XX/XX/19 at around XXXX XXXX I put a check in the bank for XXXX then I withdrew XXXX cash for the ATM which was made " unavailable funds ''. two hours later at XXXX XXXX I made a payment of XXXX rent, at XXXX XXXX the bank closed and did not process the payment until after XXXX XXXX, on XX/XX/19 there was a pending deposit XXXX to be deposited on XX/XX/19. After XXXX XXXX on monday the us bank reversed the unavailable funds that were held out over the weekend and on monday put them back into available funds of which was add back into Fridays XX/XX/19 balance ... They then took the deposit of XXXX made on monday XX/XX/19 and back dated it to Friday 's XX/XX/19 balance of XXXX adding it in making the balance XXXX After that was done, They next took the rent payment of XXXX dollars made on monday XX/XX/19 and back dated it to Fridays Balance of XXXX over drawing the account and from there they proceeded to process the weekends payments and monday 's cash withdraw over drawing the account for XXXX dollars a " pop ''. what the book keeping looked like till monday at XXXX XX/XX/19 deposit XXXX purchase XXXX balance XXXX XX/XX/19 - XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 deposit XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX pending deposit XXXX what happened after the booking was not properly processed.. XX/XX/19 balance XXXX XX/XX/19 deposit XXXX XXXX XXXX blue dot available balance XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 - XXXX XXXX XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX XXXX XXXX available balance at this point a deposit came that was pending XXXX they added it to the XXXX making the XXXX that is below ... the XXXX is the upper booking keeping balance and is not red .... when the book keeping is in red it means the account is over drawn.. this account was never over drawn on weekend. it became over drawn due to there process ... XX/XX/19 balance XXXX XXXX XXXX available balance XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX purchase XX/XX/19 XXXX XX/XX/19 XXXX XXXX cash atm XX/XX/19 XXXX XX/XX/19 XXXX this transaction looks like it being processed here when in XXXX fact it has been processed back on fridays date of XX/XX/19 against the positive balance. this had been going on for years with our account and it wasn't until is year at I have notices it happening. | ||||||
| 08/23/2023 | Yes |
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| I am writing to express my deep dissatisfaction with the handling of my mortgage account by US Bank. Over the past several weeks, I have encountered significant challenges and delays in the removal of an informal forbearance that I had previously requested. This matter has not only caused undue stress and frustration but has also placed me in a compromising situation as I am pursuing a home equity line of credit with another lender. Several months ago, I initiated an informal forbearance with US Bank due to unforeseen financial difficulties. However, when my situation improved, I promptly submitted a written request to have the forbearance status removed from my account. Despite multiple requests and assurances from US Bank representatives, this process has been egregiously mishandled. I have consistently been told that the removal was " in process '' and that it would take 3-5 days to finalize. Regrettably, this timeline has repeatedly proven to be inaccurate, and the requested removal has not been executed as promised. As I am currently in the process of obtaining a home equity loan from another lender, the presence of the forbearance status on my account is causing detrimental delays and potential financial repercussions. I have made every effort to comply with the requirements of the home equity loan application, including bringing my mortgage account current. Despite these efforts, the fact that US Bank has not removed the forbearance status is impeding my progress and jeopardizing my chances of securing the loan. The continued mishandling of my request and the subsequent delays have caused me to lose confidence in US Bank 's ability to manage my mortgage account effectively. I am perplexed by the persistent delays and lack of accountability on the part of the bank. It is disheartening to have to invest my valuable time and resources in multiple follow-up calls and requests for a seemingly straightforward matter. Moreover, the prolonged nature of this issue is now putting me at risk of losing the opportunity to secure the home equity loan I am pursuing. This potential loss would not only disrupt my financial plans but also result in additional charges and fees. I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that US Bank promptly removes the forbearance status from my account and provides me with the necessary documentation, such as the requested exit letter. I believe that the bank 's handling of this issue is both unreasonable and detrimental to my financial well-being. I appreciate your attention to this matter and look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX if further information is required. Thank you for your assistance. | ||||||
| 11/29/2016 | Yes |
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| I called the hotel, XXXX XXXX, possibly XX/XX/XXXX, to reserve a block of rooms for my son 's soccer team who was playing in a tournament in XXXX, MT on XX/XX/XXXX-XX/XX/2016. They gave me a block of XXXX non-smoking, double rooms for $ XXXX/night plus tax. The rate of the room was {$82.00} per night. When I made the reservation, they did ask for my credit card to " hold '' the rooms. In addition, we agreed that any unused/reserved rooms would be released on Friday, XX/XX/2016. I asked a couple of different times before hanging up with them that the unused rooms would be released so that they would be able to have them available for other customers. There was nothing in writing confirming this, only verbally from the clerk who took my reservation. I checked in to the XXXX XXXX on Friday, XX/XX/2016 for check out on Sunday, XX/XX/2016. At that time, the front desk clerks did not mention anything to me about possibly charging me for the unreserved rooms. In fact, nothing was mentioned about the unreserved rooms at that time. I paid for my room, XXXX, for the two nights for a total cost of {$160.00}. When I got back to the hotel after XXXX on Saturday, XX/XX/2016, a hotel clerk asked me if anyone has talked to me about the unreserved rooms and being charged for those unreserved rooms. I told her at the time that I was told XX/XX/XXXX, that any rooms not reserved by Friday, XX/XX/2016 were to be released. She said that she would talk to her manager and get back to me that night. No one contacted me for the rest of the night. When I was checking out Sunday, XX/XX/2016 no one said anything to me about charging me for the XXXX unreserved rooms. I believed that the issue was resolved and that the rooms that they wanted to charge me for were then used for the night of XX/XX/2016. The documentation that is listed under Case # XXXX is the amount that I agreed to pay in the amount of {$160.00} and you have the same copy I have for the receipt, registrations, and bill given to me when I checked in on Friday, XX/XX/2016 at XXXX. However, under the same case number, there is an additional charge for {$82.00} which I did not give permission to charge my credit card for that amount. When I further look at the documentation sent regarding this matter, the XXXX XXXX is using the credit card slip I did sign for in the amount of {$160.00} for room XXXX for the additional rooms. I did not give them permission to use the credit card for the other rooms. I have documentation from XXXX XXXX XXXX that the hotel gave to XXXX XXXX XXXX in where bills for various rooms that were unused by myself, but there are no signatures giving my consent to use my credit card for those other rooms. How am I able to send that additional documentation to you for review? | ||||||
| 10/13/2022 | Yes |
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| While on vacation, I booked a rental car through XXXX with XXXX on XX/XX/2022. When we picked up the rental on XX/XX/XXXX, XXXX gave us an invoice for {$490.00}. I signed for this amount with the understanding that XXXX would temporary place a hold on our credit card for a security deposit in the amount of {$200.00} ( plus a deficiency in the payment voucher from XXXX of {$8.00} for a total of {$200.00} ). The security deposit would not be charged against our account if we returned the vehicle. We returned the vehicle on time XX/XX/XXXX. On XX/XX/2022, XXXX charged my credit card {$100.00}. On the same date, XXXX emailed us a new invoice ( which did not contain my electronic signature ). The new invoice included all the same line items except a new line item " O5 '' in the amount of {$82.00} plus additional taxes in the amount of {$13.00} ( the tax amount increased from {$47.00} on the original invoice to {$61.00} on the new invoice ). I contacted XXXX but did not receive a satisfactory response about the charges. I contacted my credit card company, U.S. Bank, to dispute the additional charges. The credit card company sent my a dispute form, which I completed and returned on XX/XX/XXXX along with a letter detailing the history of the transaction with XXXX. Periodically, U.S. Bank sent text messages telling me that the bank was investigating my dispute. They forwarded me XXXX 's response, which did not explain the O5 charge. I responded. On XX/XX/2022, U.S. Bank sent me a letter, denying relief on the disputed charges. The letter stated : " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. We have determined the disputed transaction is a difference in pricing rather than an incorrect transaction billed to your account. Unfortunately, the price was not provided in writing prior to the transaction being processed. '' I did not find this explanation satisfactory, so I contacted U.S. Bank customer service. On the morning of XX/XX/XXXX, XXXX from the fraud investigation department of U.S. Bank returned my call. According to him, the bank was denying my claim because I authorized the transaction even though I had not authorized the amount charged to my account. I analogized the situation to a restaurant transaction where a server charges a higher tip than authorized, but XXXX said the bank could not help me. I feel that U.S. Bank is being complicit in the fraud that XXXX has committed against me by charging a different amount than I authorized at the time of the transaction. A review of the two invoices makes it obvious. The fraud investigation department of U.S. Bank appears incompetent at its job or willingly overlooking the fraud perpetrated by XXXX. | ||||||
| 03/02/2021 | Yes |
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| I purchased a number of pre-paid XXXX cards, issued by US Bank National Association, on XX/XX/XXXX, at a local grocery chain. My gift giving didn't work out as planned so I had XXXX cards that I now didn't need. I figured I'd pay bills or something with them, but eventually use them up. I thought the money was safe. A couple weeks ago, on XX/XX/XXXX, I finally tried using XXXX of them at an antique store and they said my {$500.00} card only had {$20.00} on it. I went home and called the help number and they informed me the card was not registered in my name and a number of purchases were made against the card in late XXXX. Furthermore, XXXX other cards I purchased at the same time had been spent, to some degree or completely, by a thief. They requested I fax in copies of my ID, the receipt for the card 's purchase, images of the cards -front and back- with the ID blown up XXXX XXXX and lightened by XXXX steps. They said I could call back on Monday and the people there could tell me that they've received my paperwork. I complied. When I called Monday, the lady said she couldn't see that they had received my fax and, perhaps, I hadn't blown up my license to exactly XXXX XXXX or maybe I hadn't written the card number or the " CID '' number on each and every page of the fax, because with out that, things might get mixed up. I re-sent the fax with blown up license and the CID number on every page of it. I waited XXXX business days, as the lady had suggested this time, and called today, on Monday XX/XX/XXXX. They STILL couldn't tell me if my fax was received, so their investigation could even begin. I presume that if their customers have failed to comply to the letter with some process for which even their own phone attendants are not fully knowledgeable, they just throw away your papers and pretend nothing happened. That's not good enough. Sir, or Madam, it's one thing that they insist I use an antiquated technology, the fax, as their preferred means of communication. And, if there had been ANY feedback from them, telling me whether my information was incomplete or too small or not light enough, I'd still be playing along. However, at this point, their apparent apathy toward my very expensive predicament leads me to believe that they are deliberately apathetic and are forcing me to seek satisfaction through some regulatory agency rather than honor the terms of their contract. If what our grocery stores are peddling on every isle 's endcap is little more than a plastic pick pocket for which the store or the card issuer aren't willing to take any responsibility, the practice should be outlawed. If they can't, or WON'T, protect the money I trust them to protect, then this product is defective and this company is liable. Please help. | ||||||
| 11/19/2015 | Yes |
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| I used my debit/check card for a purchase at XXXX 's XXXX XXXX. There were insufficient funds to cover the purchase but the purchased was approved. I had previously chosen to not have a purchase approved if funds were insufficient when the same thing happened a couple of years ago. I chose to have the purchase refused. My bank is USBank. After noticing the overdraft charge in the transactions listing from the online banking site, I called USBank and they said that it was linked to my XXXX XXXX XXXX account. I stated that I specifically chose not to allow charges to be approved if my checking balance was insufficient. I also stated that an no time did I change my account to use the XXXX XXXX XXXX as a source to cover any overages. USBank charges {$12.00} to cover the purchase with the XXXX XXXX XXXX. This also means that since I have used funds from my XXXX XXXX XXXX, I am now being charged interest on the amount from the XXXX XXXX XXXX and need to make monthly payments to the XXXX XXXX XXXX until the balance of used funds is {$0.00}. To be clear, I never chose to link the XXXX XXXX XXXX to my checking account to cover purchases made on insufficient funds. Those purchased were supposed to refused per my request. These changes were made without my knowledge. Further, I can not choose to delete the XXXX XXXX XXXX from overdraft coverage from the website. I must call the XXXX number of visit the local branch to remove it from overdraft protection coverage. My local branch is located in XXXX XXXX, CA, XXXX. The clerk states that the only purpose of the XXXX XXXX XXXX is to cover overdrafts on my checking account and that in order to have my purchases refused due to insufficient funds, I will have to close the XXXX XXXX XXXX. USBank uses XXXX different terms regarding overdrafts. Overdraft Coverage and Overdraft Protection. The automated phone system says my current account does NOT have Overdraft Coverage. However, my monthly statement has a small section, easily overlooked, that states my account has Overdraft Protection linked to my XXXX XXXX XXXX. I believe this is an intentional tactic to confuse customers into incurring unintended bank charges. The USBank representatives told me that I should not be confused by their different policies and terms even though both representatives had to consult with managers and other bank employees in order to explain the difference between the terms and policies. Lastly, the representatives claimed that the XXXX XXXX XXXX was part of my checking account and could therefore be used to cover a purchase not possible with the checking account. When I asked, " if they are linked, then why was the purchase considered an overdraft? ", they claimed that the XXXX XXXX XXXX was NOT linked for that purpose. | ||||||
| 06/19/2023 | Yes |
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Web | Older American |
| I purchased a secured Credit Card with U.S. Bank called Altitude GO. I have made all my payments on time and still have credit left on my card which they have blocked for no reason and are not allowing me to access my remaining credit which is my money. Please note, U.S. Bank is not extending credit to me. I am basically paying interest on my own money so I could use this higher limit card to help improve my credit score. I put {$5000.00} on the card so in effect U.S. Bank is taking my money that I still have on my card by not allowing me access to it and I have not received a check for my money that is still on the card. I haven't received any letter that they are going to pay me what they owe me, only that they are going to close the account for no known reason. I believe they are doing this to profit illegally off of the consumer. Since I put {$5000.00} of my money on the secured card and there is about 10 % of room left on the card I am presuming that because I'm a retired senior, they are thinking that I won't take the time or be bothered to try and collect the remaining {$500.00} of my money. This isn't the biggest issue, however, because if they refuse to return my remaining funds, I can proceed to collect my money in small claims. The biggest issue is that they have begun to ruin my credit score which has already been damaged by the locking and closure of this card. I noticed that The Bureau previously found that U.S. Bank violated the Fair Credit Reporting Act and that the banks conduct likely caused substantial injury in the form of fees as well as negative effects on consumer-credit profiles. I also read that U.S. Bank was ordered to stop its unlawful practices and to compensate consumers harmed by it's actions. I would like to remind the Bureau that this bank is continuing to harm consumers, including senior citizens like myself who have done nothing wrong nor committed any fraud. They have ruined my credit score which was increasing before they locked and closed my card as well as 4 other accounts I had in good standing including a {$50000.00} CD account of which I currently have another complaint on file. The Bureau should really take a close look at how this bank abuses it's customers, their funds, and their credit. I am just grateful that the majority of my inheritance, which is a large amount of real estate equity, will be invested with my new bank which has been absolutely great, considerate and professional to deal with. It's a shame that U.S. Bank can't conduct itself with the same integrity. Especially when part of their name which symbolizes our country being the United States, while ironically the bank completely ignores upholding the U.S. Constitution by treating it's customers unethically and unlawfully. | ||||||
| 08/20/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 12/02/2019 | Yes |
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| For the past several years my husband and I have been paying our mortgage through a product called XXXX XXXX. This was a product offered by US Bank. This was introduced to us by our mortgage company US Bank and the mortgage is deducted from our checking account every 2 weeks. The mortgage had been paid on time by XXXX XXXX until we received a notice XX/XX/XXXX that our XX/XX/XXXX mortgage had not been paid. I called the Mortgage company USBank to confirm that XXXX XXXX had not paid the mortgage since deductions were taken out of our checking account through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$3500.00}. I then called XXXX XXXX and got a company called XXXX XXXX. I spoke to a gentleman named XXXX, ID number XXXX and he told me he could not explain why the payments were not made. His plan was to escalate this concern and that the payment would be sent within 72 hours to US BANK. There was also a late fee we incurred for {$29.00} and he assured me that the company would cover this. I called again in 48 hours and no payment or indication that the payment would be sent. I called USBank again on XX/XX/XXXX ( 5 days later ) and still US BANK had not received payment. Whenever I tried to call the XXXX XXXX program the recording would say that they are now acquired by XXXX XXXX. I then was connected to XXXX XXXX for the 3rd time in 5 days and the individual I spoke with XXXX, ID number XXXX instructed me that it was a glitch in the back office. I was on hold for 27 minutes. When I asked if I could just be refunded my money that had been taken out of our checking account he hung up on me. Prior to asking for my refund he instructed me that the mortgage company would have my money by XX/XX/XXXX. Growing concerned on the XXXX, I went to XXXX XXXX and requested all deductions from our account be held. I put in claims for the previous XXXX deductions since I never authorized this new company to withdraw the monies. I met with XXXX at XXXX XXXX. I instructed her that an additional withdrawel should be attempted on Friday, XX/XX/XXXX and I did not want this to be deducted. She assured me that it would not be able to be deducted from our account. On Sunday, XX/XX/XXXX, I reviewed my checking account transactions, XXXX XXXX had deducted an additional {$970.00} from our account. When I called XXXX, XXXX the telephone specialist apologized for the inconvenience and recommended we place a complete ACH hold on the account. I did do this and will be closing the account tomorrow am. I am truly concerned about our money and the deceit of XXXX XXXX and its equity acceleration program. Can you help me get my money back which sums to {$4500.00}. I also want others to be aware of this company 's criminal activity | ||||||
| 03/30/2022 | Yes |
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| XX/XX/XXXX I closed on my first home with a two income family. I was in a same sex marriage that didnt last so I got divorced and was remarried in XX/XX/XXXX, to my currenthusband. In XX/XX/XXXX, my husband lost his job due to XXXX XXXX XXXXssues. In XX/XX/XXXX I filed for forbearance help due to covid. Thinking I was able to keep my home, but actually was not able to, I notified my mortgage co about my bankruptcy and even told them when I was XXXX from XXXX ( XX/XX/XXXX ). My XXXX lawyer has sent the info USBank as directed, multiple times. Many phone calls and many many different representatives giving replys and directions on what they want me to have done to get a deed in lieu. So XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX documentation asking for the application for deed in lieu was submittedby XXXX XXXX XXXX XXXX XXXX and XXXX. I have copied, signed and sent in every single thing I was asked to provide. I finally got the application to file for the deed in lieu. Filled it out, signed, attached documents and ink signed, I sent it all to the direct email of USBank for documentation to them ( per their request ). As of today, XX/XX/XXXX, they want something else now, that makes no sense. I submitted the quit claim deed they asked for on the house and that isnt good enough, even though that is exactly what they asked for. I have on many occasions told them I have mental illness and that THEY ( usbank ) are causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Causing an increase in my XXXX XXXX And for what ever the reason is, usbank will NOT approve anything to get this case closed. I have an fha loan and now USBank wants something that was already provided. I've been continuously Trying to resolve the issue very much so, I called today and was cut off, talked over and transferred four times, XXXX, XXXX, XXXX and XXXX are who I spoke with. None of which were able to help resolve this with them. Two managers, XXXX XXXX and XXXX XXXX have had many messages but not one return phone call. I personally asked ms.reynolds for the paperwork needed to give the house back because I was unable to resume payments, and never got those papers either. I have been on the phone with them over an hour just today. I am on XXXX XXXX XXXX and only get a monthly check to live on. This situation is causing extra stress with the bank threatening a lien on the property because a past due water bill ( that I've been trying to get help paying ) also, my electric bill was tripled due to the last bill tacked to my new bill, and I'm on a heap/pipp budget that just got approved. It has been nothing but XXXX XXXX XXXX XXXX XXXX USBank. I am not sure how much more I can personally take, before having another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/19/2018 | Yes |
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| Our mortgage payments are due before the XX/XX/XXXX of the month, after the XX/XX/XXXX late fees will occur. We made our payment on a Friday 4 days before the late fee would incur. We always make our payments on the Fridays of Paydays and our payment is usually processed out of our accounts the following Monday. Monday came and went and the payment had not been processed from our account. We received a confirmation email confirming our payment had been made to the account number with the last 4 of our banking account number. Tuesday came and went and our payment still had not processed out of our bank account. I went to our online portal ( which we pay {$5.00} every online payment for convenience fees ) to see our payment showed on their system and our next payment wasn't due until XX/XX/XXXX. Friday XX/XX/XXXX arrives and we received an email stating we were late on our account. We were informed that the bank account number was incorrect and our payment was reversed on XX/XX/XXXX and we were going to be penalized by a {$35.00} late fee. After reviewing their website I feel that I have been entrapped by their online system. Their payment method does not allow you to save your bank account information for easy payments, you must enter it manually every time you make a payment. So when you go to make your payment you are asked to input your bank routing number, confirm your bank routing number, bank account number, and confirm your bank account number. While inputing your information no error codes are given if you type two different numbers or if you leave a number off. For example if you input Account number : XXXX, Confirm Account number : XXXX or Account number : XXXX, Confirm Account number : XXXX and the Account number doesn't match with the Confirm Account number no error messages are thrown to inform you of the error. When we received our confirmation email the last four of our Bank Account number matched our Bank information, so by not receiving and error message we did not know our bank account information was incorrect. XXXX XXXX XXXX XXXX could not confirm which way/ how our account information was wrong but just kept stating it was our fault that the information was inputted incorrectly. XXXX XXXX XXXX XXXX would not remove the late fee unless we wanted to use our One Time Customer Waiver to have it removed as they felt their website was not at fault. As a costumer who uses multiple online websites to make payments, as anyone else in this day and age most other companies either allow you to save your Bank Account information for easy payments or at least inform you that an error was made while inputing your information. I pay online payment convenience fees to be subjectified to the entrapment of their website. | ||||||
| 03/12/2023 | Yes |
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| I have US Bank service my VA loan. I've had the loan serviced since about XX/XX/XXXX. The past two escrow accounts ( for years XXXX & XXXX ) have been calculated WRONG. The first time ( yr XXXX ), there was a surplus balance of {$4500.00} and the second time ( yr XXXX, there is a balance of {$4900.00}. This year XXXX, US bank stated that there is a {$9200.00} escrow account shortage which raised my payment SIGNIFICANTLY. I believe, this year, the calculations would not be as projected by US Bank similarly as previous years were also appears to be calculated WRONG. US Bank sent an " Annual Escrow Account Disclosure Statement '' that is very cryptic and hard to interpret. There are MANY numbers and tables for me to fully and correctly understand. I called several times without any success for me to fully understand. For instance : I'm willing to pay year XXXX balance that I owe for {$4900.00} ( refer to item A in the submitted document ) before XX/XX/XXXX ; US Bank will collect {$8600.00} on XX/XX/XXXX ( refer to item B in the submitted document ) ; US Bank will pay {$540.00} for Hazardous Insurance ( refer to item C in submitted doc ) & {$8100.00} for Property Taxes ( refer to item D in submitted doc ). If I do calculations ( as best understood ) on the " Annual Escrow Account Disclosure Statement '', US Bank will pay {$8600.00} for property taxes and insurance ( which would cover all my dues for yr XXXX ). If I pay my previous balance of {$4900.00}, the escrow account of {$9200.00} would results to be {$4300.00} which appears to be reflected on such statement ( refer to item F in submitted doc ). If I add items A & F, the escrow " shortage '' appears to be reflected of {$9200.00}. SO ( first scenario ) : If I add the collected taxes ( D ) and insurance ( C ) for {$8600.00} If I pay the required balance ( F ) of {$4300.00} The total would be ( after item A payment ) {$12000.00} WHEREAS ( second scenario ) : US Bank states that the Shortage ( after item A payment ) is {$4300.00} ( item F ) US bank will collect ( item E ) {$8600.00} Totaling {$12000.00} US bank appears to calculate dues for yr XXXX for {$12000.00}. WHERE it appears that my yr XXXX dues are {$8600.00}. THERE is a difference of {$4300.00}. THIS difference balance is affecting my new payment for year XXXX. I'm not an expert or well informed on mortgages, but I find it conflicting that US bank set the terms and does not allow the customer to make other possible arrangements ( based on RESPA Regulations ) to pay the dues - in a worst case scenario and assuming I don't pay my taxes, US bank would repo the property and not necessary the county. To conclude, based on the history on WRONG escrow accounts for yrs XXXX, I believe yr XXXX is also WRONG. | ||||||
| 06/01/2016 | Yes |
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| I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze my account. | ||||||
| 01/01/2022 | Yes |
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| Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons | ||||||
| 07/29/2016 | Yes |
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| I initially filed a complaint ( Case No. XXXX ) on XXXX XXXX, 2016, after US Bank denied my request to modify my student loan because I could not afford the payments. After this complaint was filed, US Bank provided me with the opportunity to defer payments for two months so I would have time to submit another modification request. My original request was denied because US Bank determined ( using a formula that has never been explained to me ) that the debt I owe is not a large enough portion of my overall debt. I explained my monthly income would go down ( by {$1100.00} ) because I had a teaching contract that was not renewed - XXXX XXXX ( XXXX ), a collections manager, assured me at that time he would personally review the new application ( to be submitted once I had pay stubs confirming the reduction ) and that he was " sure US Bank could find a way to make it work. '' On XXXX XXXX, 2016, I mailed the updated application and supporting documentation to US Bank, and the tracking information confirms it was received by US Bank on XXXX XXXX, 2016. I had not had a response from US Bank as of XXXX XXXX, so I called and left a message for XXXX XXXX asking him to call me back with an update. He had not called back by XXXX XXXX, so I called and left another message. On XXXX XXXX, I received notification from US Bank in the mail ( attached ; dated XXXX XXXX ) that now my loan can not be modified because I make too little ( " debt-to-income and/or payment-to-income ratios indicate a payment amount that is not affordable and/or not sustainable despite applying maximum modification terms '' ). So, two months ago I made too MUCH to qualify for a loan modification ( despite not being able to afford the monthly payments ) and now I make too LITTLE to qualify for a loan modification. I immediately called XXXX XXXX and left another message, indicating I 'd received the letter and would need to speak to either he or his supervisor so I could get a detailed explanation on how this determination about my loan modification had been made. I also informed him I would be filing another complaint with the Consumer Financial Protection Bureau. I would LOVE to know how much my income needs to be in order for US Bank to determine I will qualify for a loan modification. The bottom line is that if I could not afford the monthly payments when my income was {$1100.00} more than it is now, I do not know how US Bank expects I can afford the monthly payments now. US Bank has not offered another solution to me or been willing to work with me at all. My credit has taken a huge hit because of problems with US Bank - something I made very clear to XXXX XXXX during our XX/XX/XXXX phone conversation - and I am trying to prevent things from getting worse. | ||||||
| 10/10/2019 | Yes |
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| I made an APPOINTMENT at US Bank, XXXX XXXX XXXX XXXX XXXX, Il XXXX, with branch XXXX XXXX XXXX for XXXX pm on XXXX. I was there to obtain a medallion signature guarantee and fax surrender documents on a variable annuity. I arrived at the bank on time and sat down at XXXX XXXX 's desk. I at once explained the purpose of my appointment and displayed the documents that I was told to bring when I made the appointment ; the proof of ownership and the surrender documents.. I explained that I needed to obtain the signature guarantee and have the documents faxed BEFORE XXXX pm as the market closes at that time. I wanted the surrender to be received and executed on that day of business ; XXXX. XXXX XXXX began a lengthy dialogue covering many topics and did not seem to grasp the urgency of the situation. At XXXX pm he told me that I did not bring all needed documents to complete the process. Now, somewhat in a panic, I told XXXX XXXX that I could run back to my house, retrieve the required form. and be back in XXXX minutes, He assured me that he would wait for me and when I returned, we would complete the process. I arrived back at the bank at XXXX pm and to my astonishment, XXXX XXXX had another customer in his office. At that time, the bank had 2 tellers and another banker available and very few customers. I believe that the other employees could have assisted that customer. I was finally able to again sit down with XXXX XXXX and completed the medallion signature process at XXXX pm. The documents were faxed at XXXX pm. My surrender was therefore executed on XXXX instead of XXXX. The annuity was a variable instrument and followed the stock market. The stock market decreased dramatically on XXXX and therefore my account value decreased from {$170000.00} down to {$170.00}, XXXX ; a decrease of {$1200.00}. All of the documents that I had prepared were filled out correctly and the surrender was executed. I feel that I have lost {$1200.00} directly due to XXXX XXXX 's, actions. When I initially sat down with XXXX XXXX, I immediately communicated to XXXX XXXX the time frame that I was working under and the documents that I brought with me. He did not tell me at that point that I needed another document. This was a set, confirmed appointment, not a walk-in, chance meeting. The appointment had not been completed and I should have been able to return to the bank and see XXXX XXXX without interruption.. I have since communicated with XXXX XXXX and also his retail district XXXX, XXXX XXXX XXXX. They take no responsibility for my loss and actually believe any fault lies with me for not bringing the document that was required. I am a retired XXXX Bank employee and customer. I strongly believe that XXXX Bank owes me {$1200.00}. | ||||||
| 07/08/2015 | Yes |
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| As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information. | ||||||
| 08/17/2022 | Yes |
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| I received a text on XX/XX/28 at XXXXXXXX XXXX with a US Bank logo asking if I had initiated a large XXXX transfer. It looked legitimate and I responded no. Almost immediately I received a call from " US BANK '' Customer service #. Again, it looked legit. I was persuaded to " reverse '' the payment and in the course of 15 hours lost {$2400.00} to this scam as I was scammed out of every dime I had except {$43.00}. When I asked the " banker '' what was the timeline to see my funds returned and was told 45 minutes. After 1 hour I called US Bank and found that there was no pending reversals and that all of my $ $ was gone. I immediately filed a fraud report with US Bank over the XXXX XXXX transactions. I filed a police report, and when I went to my local US Bank with the report information I was treated like the criminal. My account had a 10 day hold on it, during this time I never received ANY communication from US Bank. I had to repeatedly call in to ask a status, I felt that there were no real notes in my file because I had to repeatedly tell the reason my accounts were frozen and I was treated mostly with a non-caring department and felt that I had been judged and discarded. I pointed out that in 10 years with US Bank I had never placed such a claim and why wasn't it questioned when out of the norm. On business day 9 I called in to discover US BANK DENIED ALL CLAIMS. How did they investigate and solve without speaking to me? I am a XXXX XXXX for my mother and when this happened, had I not had good friends, we likely would not have had food because after the incident I had {$43.00} combined from 3 accounts. XXXX said to report it to FBI. I want to go to my local news " investigates '' reporter and blast it to all since at this point I am being told I have no other recourse. It seems to me that if the BIG XXXX banks created and own XXXX, they are benefiting from " passing the buck '' and we little people have been swept under the rug. When I told them that I felt my rights had been violated per the CFPB, I was told that US BANK has a vast attorney base and they absolutely would know if my rights had been violated. And they had not. I feel that a class action law suit may be the only alternative I have to recoup my $ XXXX I am XXXX XXXX XXXX and work XXXX jobs. My mother draws {$1000.00} a month in SS benefits so we are not people with ample assets to recover from such a hit. This has affected me both XXXX and XXXX and I have no respect at all for US BANK or any other financial institution. I have documentation of the denials and I can go obtain the police report that include photos of the alleged bogus text messages and phone calls received from the " customer service '' number if necessary. | ||||||
| 04/03/2016 | Yes |
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| I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it. | ||||||
| 09/14/2015 | Yes |
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| Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. XXXX XXXX XXXX XXXX | ||||||
| 03/15/2023 | Yes |
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| I had deposited ample funds to pay my bills for XX/XX/XXXX. After paying an online bill I checked my online account on XX/XX/XXXX at XXXX and found that I had a negative balance. After checking my recent account transactions deposits, I found a check cashed for {$800.00} on XX/XX/XXXX. I did not recognize the transaction and downloaded the image of the check from the bank website. The image of the check showed that it had been altered, the original payee was changed from an institution to an individual name, the original amount was written out and changed to a larger amount and the original amount was changed from {$80.00} to {$800.00}. Also, my signature was altered but the memo section of the check still showed tithes. The back of the check was also accessible online and it was totally illegible as to where the check was cashed and the person signed the back in script. I called the US Bank 1800 line and submitted a check fraud report immediately. I asked if they could tell who was the cashing institution and they said they couldn't. Then the next day on XX/XX/XXXX I went to my bank branch and reported the fraud and closed the account. I asked for my funds to be restored to my account but my bank refused and said they would need to investigate first. A report was submitted by the bank agent on XX/XX/XXXX, but this person did not follow proper submission procedure and so the report was not filled with this bank 's fraud department ( it just sat in limbo!! This person should be retrained!! ), and when I checked on progress I had to make a 2nd report and ask for a re-submit on XX/XX/XXXX with the bank fraud department. In the meantime, The person submitted the forged check again ( same check number as verified by the caller ) at another bank and asked this bank to cash it. This bank called me to verify that it could be cashed and I said, " no! '' and told them it was forged and I asked the caller how they got my name and phone number. The caller declined to tell me and would not tell me where this branch was located. I tried again by telephone on XXXX and XX/XX/XXXX to ask the bank to please restore my deposited money which was taken out by this forged check but they are refusing. I have made a police report, I have copies of the forged check, dates, times and transaction references of the forged check cashing and I need restoration of my funds. I am not a criminal. This time lapse in resolving the problem of this check forgery resulting in removal of my deposited amount has created a financial burden on me and many mental, emotional hardships and I need my account restored to pay bills. This is more than a month later as of this date, this is time enough to resolve this issue with the evidence available. | ||||||
| 04/21/2015 | Yes |
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| My son, college student, working a part-time job, received his first paycheck in paper form XXXX XXXX, 2015. He had 30 min lunch to deposit money and grab lunch, he is also a XXXX. He tried the bank app to take a picture of the check for deposit, a confirmation email stated it was received and to wait for another email for for approval and processed, which he received. His account showed available {$200.00} out of the {$630.00}. He attempted to use his debit card, but it declined, he checked mobile banking and it stated that the check bounced and he was assessed the fees and now negative balance. He did n't have the time to wait in the busy bank lobby so he deposited the check in the atm. When he did that, US Bank froze his account and debit card, he spoke with customer service and they said that it would be fine after they check the atm to verify the paper check and fix his account it would take 48 hours. After waiting 3 days, he contacted customer service again because he was still locked out of his account, the representative stated that fraud had his account and they were working on it, if anything else the hold would auto release on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and we continue to get the run around from US Bank and his account is still locked and he still has no access to his funds. Good thing I gave him money. My son conference me with US bank on the phone around XXXX pst XXXX XXXX, 2015 to add me to his account so that I could contact the bank and fix this mess, I gave all of my vital information, address, phone, name, dob, ssn, driver license info, everything, I contacted the fraud department this morning XXXX XXXX to find that non of my information was added or even a record of the call that transpired. My son is walking to the train station on his way to work this morning, he called them again, the rep stated he has access to his account the check cleared back on XXXX XXXX? Ummm, still cant use the debit card or access his account 2 weeks later ... .This is poor customer service and extremely poor banking practices. my son has never broken the law, never been in trouble, does n't party or do drugs, this was, what we are learning now, a mistake but honest on his end, he needed to eat something the day this started because he is a XXXX and all of this could have been avoided if he was n't consistently being lied to. now the reps are telling him the branch he opened the account with is the only one that can unlock his account. I want to know who has my vital information if it was never added, this might be a cause of identity theft and fraud. My son needs assistance with his dealings with US Bank and I need assistance on laws regarding my identity, please help us. Thank you .... | ||||||
| 01/05/2021 | Yes |
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| On or about XX/XX/XXXX, I received a call from my local office US Bank XXXX In-store office to determine if I was interested in refinancing my home and after speaking with my husband we said yes. On or about XX/XX/XXXX, I completed the loan application with XXXX XXXX. I provided the bank with two years worth of statement financial documents that they request. In XXXX they requested more and XXXX they kept requesting more financial statements, loan statements. The only excuses for the alleged delays on the conditional approval was the volume of loans being processed and the Bank not having enough man power to get through the work load. They further contacted me in XXXX asking me for more mortgage statements, which left me speechless and beyond words. I had been going to the to fax documents requested just about every month since the inception of the application. I escalated my concerns and on XX/XX/XXXX, I was contacted by XXXX XXXX, US Bank District Sales Manager, and she apologized for the delays and in the manner my application had been handled. I asked if my loan was going to be denied or approved and she indicated it looked like they were moving forward with the loan approval it needed final approval. Ms. XXXX assured me she would follow up on my loan. I never received a call nor any further communications from US Bank since XX/XX/XXXX. Ms. XXXX also expressed concerns how some borrowers were lying on their applications that they were making payments when they weren't. She even requested for me to open up my credit again so they could run it again and I did. I offered to provide current income statements from my husband as he is XXXX XXXX XXXX and in current climate is an essential worker to the economy and continues to be employed. I don't understand the lending practices but being in banking for 33 years I never saw a client being mislead so much and not given a clear answer prior to the insulting letter received XX/XX/XXXX, seven months later advising of a denial due to unable to verify credit references and unable to verify income. This is ridiculous and insulting as we had submitted so many different Balance Sheet and Income Statement, Federal Taxes, if they wanted actual wage earning statements I could have provided that documentation. however ; they shut off any communication with me by not calling me nor emailing me this request after my conversation with Ms. XXXX. The Bank is highly concerned about the economic climate yet they are red taping this situation, wasted months, took {$390.00} for the application, and lowered my Credit score as they ran it twice placing red flags on me. US Bank 's lending practices are out of compliance with federal regulations and need to be reviewed. | ||||||
| 10/27/2016 | Yes |
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| I used Elan Financial 's XXXX XXXX to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard inquiry was going to occur ). After their decision, they sent me a denial letter and XXXX of the reasons for their decision was that they did not have my last two year tax returns to verify income - but there was nowhere to submit them online or an effort by Elan to request the tax returns. Clearly, they have no controls in place over their website information intake process. I am confused why they would of done a credit inquiry if they did not have the information necessary to make a decision ( the 2 years of tax returns ). I have never missed a payment on any of my credit cards ever and had XXXX +year history with XXXX XXXX the company that ELAN financial purchased my account from. I also have XXXX XXXX and XXXX branded credit cards and they clearly state when a hard or soft inquiry will be conducted explicitly on their website. I called the number on the letter, and said I was making an oral complaint and wanted the inquiry removed. The woman I spoke to said they could n't take oral complaints and could not help me. I pressed her and she put me to an escalated representative ( XXXX XXXX XXXX ). XXXX could do nothing for me either. I asked him where it clearly said in the letter sent by Elan that it requested the tax returns. His response that one could assume from the letter because they put their mailing information on the letter. Correspondence from financial institutions to their customers should be clear and concise. There is no room for assumptions. I told XXXX I would be escalating to the CFPB and he did not care. I did ask him if he knew who the CFPB was - could n't tell if it was training issue or what. He suggested I write a complaint the office of the president in ND. I take my credit very seriously. Elan Financial is not on par with its competitors when it comes to technology which resulted in an unauthorized hard credit inquiry. I wonder how many other people have had this happen. I want the hard inquiry removed from my account for all credit bureau agencies. I would also suggest clearer disclosures on their website and better training off their associates with respect to credit reporting. | ||||||
| 01/13/2016 | Yes |
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| I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back ) | ||||||
| 03/21/2021 | Yes |
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Web | Older American |
| On XXXX XXXX, XXXX I met with banker XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX, OR XXXX and received a HELOC. I received no counseling about loan, was nervous and stressed, and asked banker 3 times is there any out of pocket expenses to this loan if I never use the loan. " no '' she replied 3 times. People in waiting area to see XXXX, I felt rushed and we talked for a while then she had me sign all the documents. I did not have the opportunity to read all small print but trusted XXXX because she promised there is no OOP expenses with this loan. On XX/XX/XXXX I called US bank to close this HELOC account because I knew I could not afford to pay any advance payment interests, therefore I must close the account. The banker said he'd close the account and I would receive a letter to that affect. On XX/XX/XXXX, I rec 'd bank letter dated XX/XX/XXXX, XXXX stating I owed an " outstanding balance '' needed to be paid before they close my account. I rushed on XX/XX/XXXX, feeling very stressed, to local US bank at XXXXXXXX XXXX XXXX XXXX, OR XXXX at XXXX XXXX, spoke with banker " XXXX '' who told me I owed {$550.00} in order to close account. I told her I was never advised of any such fees, and if I'd been aware I would NEVER have signed the loan papers in first place. She innsisted I owed this, I asked for supervisor, but none were there.. I told XXXX that I was having chest pain and felt like I was having a XXXX over this demand for {$550.00}, my face was bright red, she noticed this, and said : '' I'll get in touch with a supervisor, there are only a few who are in charge of many banks each, but you go home and rest and we will call you today. I have not heard a word since from anyone at us bank.I contacted my MD because I felt a XXXX was imminent due to stress of that large sum of fraudulent money being demanded. XXXX also told me that penalties and fees will continue to accrue daily until you pay the amount needed to close your account. I have been house bound, sick in bed since then, spending energy contacting US bank for assistance, getting no help after several calls. I've been researching how to handle this very disturbing situation and I've found HELCPA 1988, and HOEPA 1994 " protects consumers with potential financial shortcomings, including lying, coercion, taking advantage of a lack of financial experience ''. I'm XXXX y/o, my income is at the poverty level. " Interest rates, payment terms, & miscellaneous charges must be disclosed with the loan application and before the first transaction ''. per HELCPA. Today is XX/XX/XXXX and I'm sick i bed from this enormously stressful situation. I plan to go to Small Claims Court if possible. Please help me with this injustice and lack of Equity in business. | ||||||
| 11/16/2022 | Yes |
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| I had lost everything in hurricane Irma. I would normally have been in Florida but due to health I was still in XXXX XXXX. I had made the decision to become a full time Florida resident so I closed my accounts up here. Because I was going to be in Florida within a matter of days I decided to open a new account in Florida. I'm retired so the account was going to be just for my social security. After the hurricane I stopped receiving any mail from Florida. My home in Florida is gone. It will be years before I can return. So I reached out to social security. Because I hadn't opened a new checking account social security suggested I open a local account. They need a few weeks to process a new direct deposit and said my direct deposit would be sent to my recently closed account but that bank would send the deposit back to social security and they would then send it to my new account. So I go to the us bank on XXXX XXXX XXXX XXXX XXXX and open a checking account. All goes well but the woman clerk tells me I need to bring in an official us mail so they can verify my address. Never heard of that before and I had been clear in that I have no mail. I used my dad 's address in stetting up the account so she said at some point thet I'd need to bring something in. I told her that social security was sending some forms and I'd bring them in. This morning, XX/XX/XXXX, I called to see if my social security check was deposited. I was shocked when they informed me that my account was suspended because apparently I had two days to bring in some mail. I spent the entire on the phone with 8 us bank employees and got the same story. They even said it was mentioned by the woman in my application. Now here is where it gets really odd. The first woman I talked too then mentions I had opened another checking account this morning. I was shocked and she couldn't explain anything about the account. Now I opened my account one week ago, I received two letters ( by the way they would not accept their mailing as official ) one was my new pin the other my debit card but I didn't open them till today. So after spending all day on the phone with them. No one could explain this new account. Finally one person said I had must have been hacked and it was my responsibility to resolve this with their fraud dept. Did some research and it turns out us bank had been fined XXXX XXXX for taking client data and opening account with out customers concent. I believe they are still doing it. In closing I finally gave up. The last person I spoke with I told him I would go to the branch tomorrow and close the account. The response,, because my account was suspended I could not close it until I brought in an official mailing address to me.. | ||||||
| 04/23/2019 | Yes |
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| My name is XXXX XXXX. XXXX XXXX had leased a car from U.S. Bank. The dealer XXXX XXXX XXXX XXXX Wi. He had the beginning stages of XXXX. This was done in XX/XX/XXXX. I went to the dealer and told them About XXXX and his beginning stages of XXXX. My daughter XXXX XXXX talked to the loan officer prior to the signing of the lease. When I went to the dealer they told me there was nothing they could do because it belong to the bank now. Because of his XXXX he was told by his neurologist not to drive. Basically he was paying the loan payment until XX/XX/XXXX that is when I decided to go to U.S. Bank with XXXX XXXX to have the vehicle changed into a loan. US Bank put the loan in my name. I continuously called the lease Company because the lease was never changed to my name when I signed the loan XX/XX/XXXX The leasing company out of U.S. Bank kept on telling me XXXX had to take out the loan. The loan could not be in my name. I was reassured that it could be changed to my name. In XX/XX/XXXX XXXX XXXX was charged a lease payment and I was charged a loan payment. After many calls they corrected this issue. The loan I signed for Had the wrong amount on it they had charge me double for taxes on the loan again I was calling about this issue US Bank told me they corrected the loan and XXXX XXXX was reimbursed for the lease payment. The title came as paid off in XXXX XXXX name I was told to take the title to the bank and there It sat for a month. I kept on checking DMV website to see if the title had been put in my name. It had not again I was making many calls. At the beginning of XX/XX/XXXX I was told it was taken care of and it would take 23 days still not in my name. I called again then they said it was sent in and it would take 13 days. Still the DMV had not received it. I have been calling and emailing the CEO and it was turned over to somebody else. Finally XX/XX/XXXX I was told it definitely had been sent to the DMV. The title is still not in my name with the DMV although I have been told it has been perfected. The problem is that I have been paying on the loan I have been paying the car insurance and the car has not been driven. I wanted to sell the car and now theyre at XXXX XXXX months have passed the value of the car has gone down significantly. I now owe more than what the car is worth. U.S. Bank just tells me that they corrected mistakes. I have told them How stressful this has been but they dont seem to care. The vehicle is a XXXX XXXX XXXX XXXX with XXXX miles. Again my name is XXXX XXXX from XXXX Wi I would like to be reimbursed for all the money I have been losing due to their incompetent. If US bank made a mistake on the loan which I did sign can they just called and change the loan amount. | ||||||
| 12/07/2019 | Yes |
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| Starting with my XX/XX/XXXX statement, I wrote a check to US Bank to balance transfer {$1800.00} that was supposed to get me 0 % interest until XX/XX/XXXX. I did another check balance transfer on the same card with my XX/XX/XXXX statement for {$1800.00} that again was supposed to be 0 % interest unto XX/XX/XXXX. On my XX/XX/XXXX statement, I made a car payment to my wife 's car and it somehow counted as a cash advance in the amount of {$580.00}. The cash advance rate on this card is 25.99 %. My minimum payment on this statement was {$70.00} and I made payments that totaled {$1500.00} for this month and I was charged interest on the cash advance and on the purchases that totaled around {$23.00}. On my XXXX statement, I made a lot of purchases ( 16.99 % interest ), but also made a payment in the amount of {$4800.00} ( minimum payment was {$56.00} ) and was charged {$8.00} in interest on the cash advance that still somehow had a balance. On my XXXX statement, I made more purchases, but also paid {$1200.00} in payments with a {$120.00} minimum payment. One of my 0 % balance transfers was paid off by this month and I was charged {$66.00} in interest on my purchases ( 16.74 % interest now ) and {$.00} on the cash advance that was still not paid off, but now has a balance under {$10.00}. On my XXXX statement, I made more purchases and made payments of {$4500.00} ( minimum payment of {$100.00} ). This month, my other 0 % balance transfer was paid off, the cash advance still was not paid off and I was charged {$.00} in interest on the cash advance and {$67.00} in interest on purchases. It was with this last statement that I finally realized that they were paying off my lowest interest balances first and sticking me with the interest on my highest balances. It was my understanding that the Credit Card Act of 2009 made it the law that companies had to apply any " overpayment '' ( anything paid above the minimum payment ) to my highest interest balances first and pay those off before moving to the next highest interest. When I called US Bank and asked them about it, they said the law changed and they were not required to do anything of the sort. They could apply my money how they see fit and have been applying my entire payment to the lowest interest balances, which is why my 0 % interest balances were paid off before the 25 % cash advance was paid off ( still not paid off technically ). If they're right, let me know if the law changed or how I'm interpreting this wrong. But I couldn't find anything that said that info was correct and it appears they're breaking the law by doing this to me. Let me know though! Beyond that, if they're doing this to me, they're doing it to their other customers too! | ||||||
| 12/26/2015 | Yes |
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| I signed up with a credit counseling agency to get my debt under control. One of the agency guidelines was to closed my current checking account and open a new one so debtors could get access to my account while the agency was undertaking negotiations. I paid the balance on my checking account to XXXX, and opened a new account with the same bank ( USBank ), and started my automatic paycheck deposits to that new account. But when I paid the balance to XXXX, on my old account, USbank did n't close the account because of pending transactions. I called the service support line and they informed me they could n't do anthing about it until the balance came to XXXX. Because I had several payday loans out, and the bank continued to try and process them as the payday loan companies continuous kept submitting payment request to the bank, the account always had pending transactions. Also, I used USBanks bill pay service. I changed all my bills to be paid out of the new account I opened. The bill pay service continued to try an pay some bills through the old account even though I had cancelled all payments from that account, which led to return check fees. During all this time the returned check fees added up to over XXXX dollars. The bank took over XXXX dollars on my new account to pay those fees. That XXXX dollars was my mortgage, home insurance and car insurance payment. I was not able to make those payments that month. I called the bank branch directly and the person I talked with put a hold on any further incoming payment request which allowed me to finally close the old account. So why could they not do that ( put on a hold ) when I initially paid the balance to XXXX in order to close the accout? With another call they refunded me XXXX return check fees of XXXX each, but said they could n't refund the rest because I did n't call earlier. But I called there service support line twice and each time was told there was nothing they could do. I live paycheck to paycheck and losing over XXXX set me back on many payments on multiple accounts. I cancelled my registration with the credit couneling service because after 30 days after registrating with them, they still had not started negotiating with my creditors, and I filed chapter XXXX bankruptcy. I was trying not to file bankruptcy, but with USBank confiscating over XXXX dollars in return check fees plus the XXXX dollars in fees I paid to close the old USBank account, I did n't see any other way to get my debt under control. I feel USBank could have put a hold on processing any other payment request to my old account when I paid it to XXXX. I then could have referred those debtors to the credit counseling agency I signed up with to negotiation settlements. | ||||||
| 08/11/2020 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX, along with U.S. Bancorp AND Elan Financial Services, cancelled my XXXX Visa Rewards card ( last four digits XXXX XXXX per attached letter dated XXXX XXXX, 2020 ( received XXXX XX/XX/2020 XXXX. Reason given, per attached letter, " Your account was reviewed by a credit scoring system that assigns points based on pattern of usage for your account. We are unable to renew your card because your account did not score sufficient points on the following factor : Your account has been inactive for at least 12 months '' I was at work and got " USPS informed delivery '' email that I had letter from " Cardmember Service ''???, then read letter when I got home that advised that Visa Card was cancelled, with no identification of what financial institution visa, just last 4 digits of some card. In fine print at bottom of letter, it stated Elan Financial Services - still did not know what this meant, except that Elan is a very poorly rated financial company, with a ranking of XXXX out of XXXX, and known for very poor services with many alleged allegations of fraud. Then I learned that the card is my Fidelity Visa card which I have always been proud to own and is tied to and reported on my Fidelity Accounts - This shocked me that Fidelity would let me down after so many years of being a faithful customer. - My credit score is XXXX out of XXXX XXXX Score. US Bancorp, Elan and now Fidelity have numerous reports of impacting credit ratings after canceling credit cards - The Letter makes no mention of the rebate point/dollars ( REWARDS ) that were earned over a decade in having this card - Fidelity heavily promoted this Fidelity Visa Rewards Signature card, which is a main reason why I applied for the card, which I was proud to own, especially with the 2 % cash rebate provision - The Card user agreement I signed made no mention of a minimum yearly usage requirement - if it had, then I would have used it more often. - There was no pre-notification letter from Fidelity that I needed to use this card more often, or it would be cancelled. There was no pre-notification whatsoever, except for the attached letter that came " out of the blue ''. Elan Financial Services is such a schlock outfit, they had to put there name in very small type in the footer of the letter. XXXXThis is an outrageous fraud on the public where Fidelity , US Bancorp and Elan are purposefully creating fraud by damaging my credit rating FIDELITY , AND THE COMPANY FIDELITY IS PROPPING UP AND HIDING BEHIND, US Bancorp and Elan Financial Services MUST MAKE FULL DISCLOSURE AND CORRECT THIS DAMAGING PRACTICE OF PURPOSEFULLY DAMAGING THE CREDIT SCORES OF UNSUSPECTING PERSONS THAT HAVE ALWAYS TRUSTED FIDELITY TO DO THE RIGHT THING. | ||||||
| 02/22/2017 | Yes |
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| In XXXX XXXX, someone managed to break into my credit card account and steal reward points from it. No alert was generated at point redemption and I only accidentally found that out. I tried to contact US Bank officials persuading them to built a fraud protection into points redemption procedure, but despite my 5 calls and promises that someone from the management return my call, it never happened. Card was replaced and points credited back. I also found out that my points were transferred to another US Bank credit account and no fraudulent charges were applied to the card that clearly indicated that the thief 's target was only the reward points and he acted based on internal information available to US Bank employees only. On XXXX XXXX XXXX I found that my card was compromised again and another XXXX XXXX reward points were stolen from my bank. When I called them, it turned out that US Bank was well aware of the breach but they did n't even try to call me and alert me on fraudulent activities in my account, let alone the fact that point redemption did n't generate any alerts, either, despite the fact that 6 months ago it became clear that they must improve their system and add such alert.. They said that it was someone who generated fake ID and logged into my account. They refused to accept the blame saying that that someone was in possession of all my data, like ss number, dob, etc and they could n't do anything. I pulled all credit reports for me and my wife and found that our credit status has never been compromised. Also, nobody broke into our XXXX other reward credit cards. Like in the first case, no fraudulent charges were found on the account, so target of criminal activities was again just my reward points. This makes me think that the crime was committed based on internal knowledge of someone inside US Bank, just like in the first case. Else, how can we explain their in depth knowledge of US Bank reward system and the fact that fraud was limited to only US Bank credit card and no other cards I have, and my identity was n't compromised based on credit reports? They promised to return my points in 6 weeks ; this is totally unacceptable and it ruins my vacation plans as I tried to redeem points for airline tickets on the day I discovered points theft. However, US Bank apparently tries to convince me that this is my problem. All in all, US Bank does exceptionally poor job protecting customers from fraud, their alert system is outdated, they refuse to communicate with customers and accept responsibility and conduct proper investigation. Essentially, the shift the blame to someone else leaving the customer unprotected. The manner in which they conduct the business is totally unacceptable. | ||||||
| 06/25/2021 | Yes |
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| I signed up for service in XX/XX/XXXX for a one-year program. There was no mention of any automatic renewals. When I saw this charge again on my XX/XX/XXXX statement for yet one more year of service, I called them to cancel. They told me there were no cancellations and that I would have had to contact them in writing XXXX days before my scheduled renewal date to not be re-charged. I opened a dispute on my card, and XXXX XXXX XXXX XXXXXXXX sent them a bad photocopy of their terms and conditions stating " no refunds ''. My claim with XXXX was denied. I then opened a fraud claim, since I did not in fact authorize that merchant to charge my card without my consent in XXXX. The fraud case was denied since it was a merchant I had already authorized in XXXX. My argument falls on deaf ears with my credit card company, and they are choosing to side with the service provider instead of their cardholder. I asked to see anything in writing that I signed or consented to, or even a recording of my voice consenting to automatic renewals. If someone can produce my agreeing to this service, they would have a case. Instead they are just taking the word of a shady internet company and refusing to remove the {$500.00} charge, and the merchant has refused to cancel the service. It's been a nightmare and not good business to side with the merchant with no proof whatsoever that I consented to this charge. XXXX has been terrible about handling this, just pushing it from one case processor to the next, and not calling or mailing me anything to let me know how the case is going. I have not ever had the chance to speak directly with a case processor, and have only been able to leave messages through the agents on the phone to give to them. I would like to also shed light on the way they have handled my case. For a timeline of events, this dispute was denied by my credit card in XXXX. The case was reopened on XX/XX/XXXX after I called to get a status update only to find out it was denied one month prior, with no one properly informing me ( stated there were messages left on my machine, nothing mailed to me in writing ). After reopening it in XXXX, I waited until XX/XX/XXXX to call again, only to find out that they could do nothing for me, that XXXX XXXX XXXX XXXXXXXX had every right to automatically renew me, and on that day I was connected to the fraud department who assured me they would take care of this. They sent me a new card in the mail, but never removed the fraudulent charge. I called XXXX today ( XX/XX/XXXX ) to learn of this denial, and was treated very arrogantly and condescendingly by the supervisor on the phone. I did not authorize this charge or any auto-renewal, and consider this to be fraudulent. | ||||||
| 03/29/2019 | Yes |
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| I got a letter from US bank in XX/XX/XXXX ( not XXXX ) mentioning that my personal checking account ending with XXXX will be closed on XX/XX/XXXX. The letter stated no reason for why that was happening, but they did end up closing my checking account along with my other credit cards with US bank despite the facts that : 1- the checking account was being used to pay off my monthly mortgage payments with US bank itself and was getting my W2 income from XXXX XXXX deposited into the account. 2- I never had returned checks or over-drafted the account, which was open for more than 8 years. I also never had a single late payment on my credit cards and my credit utilization never exceeded 10 % of the limit. In fact, I was barely using those credit cards for the last 2 years before they were closed. 3- My credit score is excellent ( XXXX is the median score ) and I never had such issues with other banks either. I called US bank, and they said they could offer no explanation but directed me to try reopening a bank account in a branch, which was rejected when I tried applying at various points in time inXX/XX/XXXX with XXXX XXXX in the XXXX branch as well as in their XXXX XXXX branch within XXXX in the same month. Neither bankers I applied with provided me with any explanation as they could not find out themselves either. I tried again doing so in XXXX XXXX after more than a year passed on the account closing, but the agent trying to help me mysteriously failed from establishing a new account again! The main frustration has not been as much about not have the bank anymore ( though it became inconvenient as paying my USbank monthly mortgage ended up being more hectic given that US bank charges fees for payments made from non US bank accounts posted after the beginning of the month but before the payment due date ). In fact, what frustrated me so much and made me feel really take advantage of was how I had my HELOC with USbank too resulting in an annual fees of XXXXusd that was getting waived otherwise ( because of my bank account with USbank ) now getting charged! The fact that my USbank checking account closure comes at completely no fault of mine and that this has resulted in me paying some price for that too, contrary to the state I had with US bank upon signing my HELOC paperwork with them is very undesirable and unethical either. In fact, I would not have established a HELOC with US bank if I knew they would make me feel tricked like that! Moreover, closing a HELOC now is not an option either given that USbank would penalize me for doing so prior to having had it open for more than 3 years. One way or another, USbank is cutting me loose, and this approach they are pursuing is terribly bad. | ||||||
| 08/15/2022 | Yes |
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| On Thursday, XX/XX/XXXX. XXXX was looking at rentals on XXXX XXXX XXXX. I found a rental XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 3 bed 2 bath and sent seller a message via XXXX XXXX place. This message was sent to XXXX XXXX according to her XXXX XXXX XXXX She messaged that the rental was still available. I replied asking if we could setup a walk-thru. She replied back stating to contact XXXX XXXX @ XXXX. I called the number for XXXX XXXX and left a voicemail. He then sent me a text message and we setup a time at XXXX to view the property. As I was driving there he sent me a code to access to property. He then called me as my wife and I was touring the property. We thought it was nice so he sent me an application. I completed the application and submitted it. He then asked for an Application Fee of {$150.00} which my wife paid via XXXX through our bank account to XXXX. He then asked for two more payments for the security deposit. One for {$500.00} and one for {$700.00}. My wife again paid via XXXX through our bank account to XXXX. I then noticed a sign on one of the walls that had a XXXX code to scan. I scanned it and it took me to XXXX XXXX website. My wife called and advised them of what was going on. A lady from XXXX XXXX informed us that this was their property and that whoever we were talking to is a scammer. She advised us to contact the police. I then told the gentlemen on the phone that we know he's not the owner and that we wanted our money back. He then texted me XXXX XXXX with email XXXX stating he was his attorney and that I would have to pay another fee to get our money back. I did not pay. He then asked me to go get a XXXX XXXX and he would return my money. I refused as my wife researched this and found it to be used by scammers. He then had a gentlemen call me from XXXX and try to convince me that this was a legit transaction. I told them they were lying and I wanted my money back. We called our bank ( US Bank ) and filed a claim. Unfortunately, they opened an investigation but could do nothing else at this time. We contact XXXX and their message just refers us to contact our bank. The gentlemen from phone number XXXX and I have been texting back and forth. He keeps stating not to contact the police as he doesn't want any trouble. I told him if he just gives our money back. {$1300.00} in total. He stated he would have to go to the bank. He then stated he would get my money back to me in the monring. So this morning, XX/XX/22 I texted him and he said he was going to the bank. Then he asked me to send his transaction history of the three transactions. I refused. I have the complete history of the messenger chat, text messages, and partial voice recording of the conversation. | ||||||
| 10/05/2017 | Yes |
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| My husband & I took a Home Equity Line of Credit with US Bank in XX/XX/XXXX. We also took joint life insurance and disability on my husband, XXXX, with the initial loan. My husband had used the insurance for a XXXX XXXX about 10 years ago & I believe the insurance paid slightly over one monthly payment & then luckily XXXX went back to work. In XX/XX/XXXX, XXXX was hospitalized in XXXX for 45 days, placed in a XXXX on a XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I called US Bank to file a claim for XXXX payment on our Home Equity Line of Credit. The USB representative told me that credit insurance did not include XXXX payments. I asked him to check the original note as we had used it once before. The monthly payments started after much documentation from XXXX XXXX XXXX XXXX to US Bank. We file a doctor form almost every month and the Insurance company sends an ACH credit directly to US Bank. The problem I am having is not understanding the Payment credit once US Bank posts the payment. There is always a lapse in time from the date XXXX XXXX sends the credit to the date applied at US Bank. Sometimes US Bank back dates the payment & sometimes it does not. Without dates it becomes almost impossible to assess what payment date the insurance payment is crediting to which US Bank monthly due date. I have contacted the Branch Manager, XXXX XXXX and the Personal Banker, XXXX XXXX at my local US Bank in XXXX, WI. Both have tried to help make sense of the payment applications. They have both worked together to get an answer from a division of US Bank titled CLLO, Consumer Loan & Lease Operations Department. The local staff concurs that the information online and on our home equity line of credit statements do not make sense. At times I have a payment due & other times I do not. I have paid them & then had the payment reversed, I have had 2 late charges, one refunded, one in process of refunding for over a month, still showing on my online bank site. I had had automatic payment until XXXX XXXX started to make payments and then US Bank removes the Auto Pay option. I have no complaint what-so-ever with the local bank staff ; however, if the numbers, dates & dollar amounts paid by XXXX XXXX XXXX XXXX do not make sense to me, the bank employees who have tried to help and there is still no help from the specialized division of US Bank, I am left with questions. Is the credit being applied accurately? Is this happening to other US Bank clients? Numbers should make sense and eventually provide a full, clear & concise picture of all transactions. I have been asking for help for 1 year & 8 months. | ||||||
| 08/31/2023 | Yes |
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| Earlier this month I filed complaint XXXX related to a US Bank employee committing criminal fraud against me. US Bank did not address any of my complaints in their response ( not even an unsatisfactory response, but outright evaded them ). I have since been trying to get documents from the bank, namely a banker - XXXX XXXX or his predecessor in XXXX XXXX, MO - illegally/criminally allowing ( XXXX ) XXXX XXXX to add himself to my account without my knowledge, consent, or be being present for any notarization process. On XX/XX/XXXX I walked in, in person to the US Bank branch ( XXXX XXXX XXXX, XXXX ) to schedule an appointment with a banker to get these documents. I was scheduled with XXXX ( sp? ) at XXXX on Monday, XX/XX/XXXX. When I arrived for the appointment the branch was closed ( computer issues ). I called XXXX later than day at XXXX, left a voice mail- I have still not gotten a call back. I returned to the branch on XX/XX/XXXX, they informed their system was still down, but allowed me to leave a note to be called back to reschedule as soon as their phones were working. I have not yet gotten a call ; I called a few minutes ago, XX/XX/XXXX, and a banker answered ( their phone lines are working ). In the meantime, I scheduled an appointment with another branch ( XXXX XXXX XXXX XXXX, XXXX ) for XXXX this morning. I arrived a few minutes early ; the security guard demanded my dog wear a vest ( meets ADA definition of service dog ), which is blatantly contrary to the ADA of 1990/disability discrimination. To appease drama, I went back to the car to get my dog 's vest and returned - I pulled up the Service Dog FAQ on ada.gov to show the guard her request was blatantly illegal per federal law ; she refused to read it, so I read it to her. I then met the banker I had an appointment with, XXXX. She took my information and said she would call me back today or tomorrow, but first needs to contact their legal team ( to provide me witht documents to MY OWN account that I have spent now nearly a month requesting, via complaint her, via email, and in person at 2 branches ). Just documents ... thats all. Apparently I am not allowed access to documents associated with my own account ; specifically it seems US Bank might be willfully trying to keep these documents from me, knowing that they were fraudulent and will show criminal fraud on behalf of their banker. I assume this to be a comedy of errors, rather than a blatant attempt to collude and cover up the fraud US Bank ( not a third party I'm contesting - US Bank itself ) has already committed against me and potential related theft. I will need these documents immediately - not " ASAP '', rather as soon as a US Bank representative reads this. | ||||||
| 03/01/2022 | Yes |
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| I own a small business. I contracted through XXXX ( XXXX XXXX XXXX ) for all my payroll needs. XXXX sends an email to my employees. This email enables my employees to enter their account information for direct deposit. I had one employee enter the wrong account number. This employee told me that he did not get his direct deposit on XX/XX/XXXX, for the amount of # XXXX. I thought it might have taken 2 weeks to get money, so we waited. I pay my team every week. On XX/XX/XXXX, he did not get paid again for {$440.00}. After the second week of my employee not getting his money, I called XXXX. This was XX/XX/XXXX. They sent me the ACH Trace ID number for the deposited transaction and told me to contact my employee 's bank, US Bank. My employee called US Bank and they told him that I needed to call them. I went to the bank and then they told me he needed to go in. The next day we both went into US Bank, and they told us there was nothing they can do. That we needed to call the XXXX number. So, we did. After an hour, the US Bank representative told us that this is XXXX 's responsibility and they needed to take care of it. Ok, fine. I went home and called XXXX. After an hour and a half on the phone with XXXX, I got disconnected. However, I did call them back and they informed me that because I didn't contact them within 5 days of the transaction, there was nothing they can do. And that I needed to call US Bank it is their responsibility to get my money back. During this phone call that lasted an hour and a half, the XXXX representative had me change the pay for my employee to a check. After I did that, the transaction read return funds of {$0.00}. I asked what that meant, and the representative put me on hold, for an hour. Now that the pay was converted to a check but the notice on XXXX said I was getting nothing back from the bank transaction, I had to figure out a way to get my {$830.00}. I know that XXXX and US Bank may think that is nothing compared to the millions of dollars that they make a year, but I am a small business that just opened in XX/XX/XXXX. I am in my first three months of struggle. I just want my money back. My employee needed his money to pay rent and bills. I paid him in cash until all this is taken care of. I would like to know who's responsible for not verifying that the bank account number entered and the name on the bank account is correct? I would like to know how to get the money back from the wrong account it went into? I have ACH Trace ID number. I have the wrong account number where my money went. I have dates. I have amounts. I have everything I need to get my money back. If there is any way you can help, I would appreciate it. Please and Thank You for your time. | ||||||
| 12/21/2018 | Yes |
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| I opened the XXXX Prepaid debit card because they sent me an email that if I open the card and loaded {$300.00} on it, they will give {$40.00} extra. I did load the money. They blocked my card and said I need to send Bank statement as address proof and government id i.e. my Drivers license. I did send all the information and they activated my card. I loaded the money and started using the card. As soon as I tried to get cash back from the card at XXXX, they blocked my card.I contacted them and let them know unless they let me access my money, I will report them. The next day they unblocked my card and allowed me to generate a pin so I could use my card to get cash back, as well as purchase goods and services.Today out of the blue, they blocked access to my card online. When I tried to use the card in a store, it was declined. I called customer service. They said you need to fax in identifying documents. I have about {$50.00} on the card and I was supposed to receive the {$40.00} bonus they have promoted around now. I asked her why they blocked access to my account online, she did not answer. I asked her will I need to send this document every month. She hung up on me. They have no email, only means of communication is fax.They pretty much make it so that no one can reach them.They are trying to steal my {$50.00} as well as not honor the promo they promised. Request you to please help. I have written proof of the promo as well as proof I sent the documents last month and receipts to prove I was successfully using the card last XXXX weeks. I have no access to my account. Not only can I not use my money right now, I am also not able to log in to my account anymore. The last time when they blocked my account ( 2 times ), I was able to access the account.This time, out of the blue, they locked me out of my account without providing any notice or any reason over mail or email or phone. Please help. They are clearly in the business of stealing money. Their agents hang up on you if you ask " why can't I use my card? ". This can not be legal. This has happened the third time.I do not know what additional document they want me to send them. They are going to withhold my money and deduct account fees each month and exhaust my money. This is their plan and never pay me the extra {$40.00}. This can not be legal.I can provide every identity document, I have provided what they asked for and everything was working fine. They blocked it today on the 20 because they figured I could take all the money and close the account. Today is the day they were supposed to credit my {$40.00} bonus ( I have proof they offered such a promo ) and also today is they deduct the account fees.Please please please help. | ||||||
| 06/02/2016 | Yes |
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| I feel the XXXX XXXX XXXX is attempting to artificially manipulate the value of my home in order to create an easily acquirable foreclosure by a coercion with some entity desirous of manipulating someone from their property through predatory practices. I believe XXXX and other entities perhaps XXXX are working together with a Government Entity ( XXXX XXXX XXXX ) to untruthfully manipulate Real Property values, perhaps for a merger with surrounding townships and/or municipalities. This is a potentially harmful situation for the inhabitants of this area, particularly myself as a potential target. A vehicle labeled " XXXX.. '' repeatedly cruises the area for unknown reasons ( XXXX passes per day seems excessive for a dead end road ), the vehicle labeled " XXXX '' passes multiple days per week and several times per day some days. This has been occurring for several weeks to months now, and I feel this is a method toward an artificial manipulation sought to conceal inaccurate claims of valuation and untruthful claims of ownership and boundary. Is it not illegal for the State XXXX of Arkansas to participate in such actions prematurely and with prejudice? It feels like harassment and appears designed to drive people from their homes. There is a proper Quit Claim supporting the purchase of this property from the XXXX ( family ) named in the attached documentation and after purchasing I submitted the requested documents to the XXXX XXXX XXXX notifying them of " NO RELATION to XXXX XXXX '' ( previous owner ), however, I still receive mail from their family and feel there is an associative problem. These potential doubts of ownership, relation, and boundary may be related to XXXX XXXX ( past surveyor of " XXXX XXXX '' ), a Real Estate entity, or to the potentially fraudulent reception of government benefits by the son ( XXXX XXXX ) or the mother and previous owner ( XXXX XXXX ) neither of which reside at this residence, but use this address for mailing periodically. Financial, Legal, and Medical documents have been sent to my home regarding both the Mother and Son. My response is to mark the mail as Return To Sender " XXXX Does not live here. '' and mail it back unopened. I have attempted to remedy the situation by moving the mail box, but these problems still exist in different forms and at different times. I believe that an investigation of improper identity associations, property claims, property valuations, and/or property boundaries related to real estate trade that may be uncovered will shed light on questionable and/or criminal practices regarding Real Estate, Predatory Mortgage Practices, Land Disputes, and the improper use of Residence Identity for the reception of Government benefits. | ||||||
| 03/04/2021 | Yes |
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| I/we bought a home which was financed through US BANK XX/XX/XXXX as a 30 year mortgage through the American Dream Down payment program. Over the years, payments were made to US BANK and often placed in a " suspense account '' which I/we weren't aware of. I/we were making many payments which they accepted, and failed to apply toward the mortgage loan. As a result, not only did they have the funds in their hands, I/we received no credit for it and therefore were forced to pay late payments and damaged credit. For the last couple of years, I/we attempted to make extra principle payments and found out that they too went to a suspense account which I/we knew nothing about. As a result, I/we attempted to remove the escrow ( which I was told multiple times could be done since there is quite a bit more than 20 % equity in our home, only to find out we had been misinformed multiple times. They are now saying that because this is an " American Dream '' loan, It can not ever be removed from escrow. This was in complete contrast to what was being told throughout this process. My regular mortgage payment is only {$500.00} and is now going to about {$1000.00} which is unaffordable. The way this mortgage has been handled ( whether is legal or not ) has been very costly with SEEMINGLY late payments and fees and they have offered no relief. I offered to prepay my taxes ( which the county allows ) and pay my mortgage premium in full for the year and was informed that if that even if that was done, they would still require that I/we pay the XXXX dollar a month. Refinancing would probably be a problem since payments " appear '' to be late. If they weren't going to apply the payments to the loan they should have been returned not held for the benefit of the bank. All I'm asking is to be allowed to pay my own taxes and insurance so that my money can work for me and not US Bank. This bank claims that they waived a couple of late fees which they should have done because THEY posted a payment to their " suspense '' account which was clearly a mortgage payment and caused a domino effect. After proving it, they went back and made adjustments ( still affecting my payment history ). This is an attempt to do some damage control and get my mortgage under control. There is no risk to this loan by allowing me to pay my own taxes and insurance. That's all I'm asking as it would be a great relief. A look at the history of payments that went to their " suspense account '' would tell a lot. I/we also requested a history of the payments that were processed since this loan began and got one only since XX/XX/XXXX. I will request another one from the beginning of the loan. Any assistance will be greatly appreciated. Thank You! | ||||||
| 08/09/2016 | Yes |
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| In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. It has been 5 days since we requested the original signature card from US Bank to no avail. The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the XXXX XXXX XXXX XXXX XXXX, XXXX. | ||||||
| 12/15/2023 | Yes |
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| I was a customer of Union Bank in California since XXXX. I discovered in XXXX of this year, that Union would be absorbed by US Bank. Knowing this, I called both Union and US Bank to be advised on where I should pay my current Union Bank credit card. I paid it out of my Union Bank checking account as I was directed to do by both banks. I paid the amount that was due for the month on XX/XX/XXXX - {$780.00}. When Union Bank transferred all of my accounts and funds to US Bank, I saw my credit card balance was {$2200.00} which still included the amount that I had paid, {$780.00}. My payment was not credited or processed. For the last 5 months, there has been no way to contact Union Bank or a working website or any of my past emails. Since XXXX, I have been on the phone and in the offices od US Bank trying to resolve this issue. As requested by the bank, I have filed reports of findings as to what has transpired over a dozen times. Ive spent countless hours doing this. Below are key bullet points of what has conspired. 1. Made sure I Paid Union Bank credit card via website as instructed ( {$780.00} ) - XX/XX/XXXX. 2. US Bank transferred/absorbed my accounts- XX/XX/XXXX. 3. My Union Bank credit card balance did not reflect my payment when transferred to a new US Bank CC. 4. Multiple US Bank credit card and checking account managers have told me that over XXXX Union Bank customers are dealing with this same issue and that it should resolve when everything is fully integrated but it has been too long. Furthermore, the credit card managers keep sending me to the bank managers and vice versa. Nobody will take responsibility. 5. I have submitted additional reports of what has transpired and all have resulted in letters asking me for statements that I can no longer access. Union Bank is completely shut down and when I would click on a past Union Bank email it would directing me to a US Bank log in. Today, when I click on past Union Bank emails, nothing comes up. 6. Throughout this period, US Bank assured me the card would not acquire interest as this was being figured out, however, the bank did charge interest every month and I had to continually call to get the interest taken off. 7. I have transferred my US Bank credit card to another bank card to avoid further interest charges. Again, I paid my monthly credit card amount due and the amount was not credited. 8. I finally contact XXXX XXXX, XXXX XXXX XXXX President to get help on XX/XX/XXXX. After two months, all he did was send it to another Branch Manager who has no idea how to solve the problem. In the past, they blame the credit card company. It is clearly the fault of US Bank/Union merger as records were lost. 9. Please help me. | ||||||
| 04/03/2019 | Yes |
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| On XX/XX/2019 I stopped at an ATM machine outside a bank branch in a grocery store to make a deposit for {$1800.00}. The deposit contained a combination of checks and cash. After the machine received the cash it opened the sliding door to receive the checks and in the process of scanning them the machine froze. I waited by the machine until the screen changed and asked me the total amount of the deposit I was trying to make where I entered {$1800.00} and a receipt printed out detailing the error and instructing me to call the bank to file a claim. I filed this claim while standing in front of the ATM and detailed the deposit as best I could. After not hearing anything from the bank for 10 days I called to follow up since I had to borrow money to cover my bills and the interest was adding up. I was told it could take up to XX/XX/XXXX before I heard anything. Then on XX/XX/XXXX I checked my online banking and see a deposit for {$1800.00}, so I thought it was all done. However, this morning ( XX/XX/2019 ) I received a letter from USBank stating they have completed their investigation and my {$1800.00} deposit was being reduced by {$1100.00} and the debit would be made today XX/XX/2019. I called the bank again since the letter said I could get copies of any of the documentation used in the investigation and was told there was no documentation on my file, and the banker wasn't sure how that amount was derived. I was then told I could create a new claim which could take up to 45 days! At a loss I had them start a new claim and in the process was told to contact the bank branch manager since they may have more of the ATM information, or could possibly have the documentation referenced in the letter I received. After I finished the call with the banker I contacted the branch location and found that the manager has been out on vacation and the ATM machine is due to be counted tomorrow and has not been counted since my initial deposit date of XX/XX/2019. Meaning the bank hasn't even looked in the ATM to reconcile my deposit, but has decided my deposit was short {$1100.00} dollars causing me to have to borrow money and pay interest on that borrowed money from XX/XX/XXXX to the XXXX, and now again with no notice at all will pull the {$1100.00} from my account forcing me to pay interest on a credit line until the next investigation is completed. At this point I have no idea if my deposit is actually being counted or if the bank is just making up totals to see what I will accept as a loss. Meanwhile I'm paying interest on borrowed money while I wait for the next 'investigation ' which may or may not include actually looking inside the ATM to see if the cash and checks are there and adding it all up. | ||||||
| 11/07/2017 | Yes |
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| Illinois Department of Employment Security. IDES electronic deposited funds into my U. S. bank checking Account. I was terminated on XX/XX/XXXX by my employer. I filed my u.i. claim on XX/XX/XXXX. I filed as terminated. On XX/XX/XXXX XXXX XXXX of IDES entered a laid off status into my U.I. claim. And locked me out of my u.i. account, regardless of my effort to refile my claim on XX/XX/XXXX as terminated status.This generated a check of {$160.00} electronic deposited in my account on XX/XX/XXXX. This is a scam by IDES. I have to appeal any decision made by IDES if I am not found in favor to receive u.i. benefits. IDES would then want these funds returned. I notified my bank onXX/XX/XXXX to resins the deposit back to IDES. The U.S. bank has 10-90 days to decide.This IDES has placed financial hardship, and undue hardship, up on me by their deliberate actions. This is not a case of a mistake, or poor customer service. This is discrimination and corruption. I am a senior on fed.gov housing. I receive a URP utility reimburstment check of {$77.00} per month to pay utility cost. When no income is being earned. If I have income hud stops the urp monthly payment. If IDES orders me to pay monies back at a later date, that they issued on a laid off status that the state worker made. I would have to pay the funds back if found not eligible for u.i. benefits. And I also stand to loose the {$77.00} URP payment from hud. Because of this Unemployment benefit issued deposit. I am a senior. I filed a complaint with the OIG Il. Office against IDES. I notified DHA-HUD of this scam. And for their office to decide their own conclusion. I notified the bank. I called IDES for over 24 days and was hung up on, and no call returned. And then when my call was returned, IDES Does this. My first call was in the first week of XX/XX/XXXX to Tell IDES my last day worked was XX/XX/XXXX not XX/XX/XXXX as IDES had entered on the claim. This how corrupt this state of Illinois is. This was a attempt to not pay my 2 weeks wages from the employer. I filed a claim on XX/XX/XXXX with the labor board of Illinois for unpaid wages. My check was sent on XX/XX/XXXX later on in the day.. This is how the state workers and the companies and their employees, are speaking to one another in a underground organized crime corrupt network, on what they think they can get away with on workers and the people in the state. Let me make this clear I am going after the state of Illinois and IDES and the banking system the state uses. I do not know the state of Illinois and IDES banking system. I want my bank to show the world that IDES and the state, with all their different scams in state offices, they can not push U.S. Banking customers around. | ||||||
| 09/09/2017 | Yes |
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Web | Servicemember |
| I disputed an amount of {$130.00} for a charge on my account that should not have happen with US Bank. I received a rental car from XXXX XXXX after an accident with my car. The other person 's insurance company had to pay for the damages. I was to receive a rental car during the time my car was in the shop. I was told by XXXX that I will not be charged for the rental, just the holding fee of {$50.00}, which will be returned to me after I return the rental car. I received the rental on XXXX XXXX, XXXX and returned the car on XXXX XXXX, XXXX and my balance was at {$0.00}. A week later on XXXX XXXX, XXXX, my bank account had a charge of {$130.00} from XXXX XXXX which put my account in negative and received an overdraft fee of {$36.00}. I contacted XXXX and was told by the Manager, that she was sorry, she did n't know how to process a rental through the insurance company. I asked for the payment to be credited back into my account and was told they can not give credit after the rental agreement has been closed. I was shocked, after they took my money when the agreement was closed. I then contacted US bank to dispute the claim, I was given credit back in my account after 10 days from XXXX XXXX, XXXX. I did not receive the dispute paperwork until XXXX XXXX, XXXX. I sent over receipts from XXXX that showed my balance as {$0.00} and receipts that show they billed the insurance company. My dispute claim was denied after US bank card service received information from XXXX that the insurance company sent me a check after I disputed the amount. I was charged several overdraft fees in the amount of {$320.00} from the beginning of my dispute to now. Recently, I was charged {$280.00} of overdraft fees on Wednesday XXXX XXXX, XXXX, Thursday XXXX XXXX, XXXX, and Friday XXXX XXXX, XXXX. Overall, US Bank should have protected my account after I explained to them, that I should not have been charged in the first place. Instead I 'm stuck with multiple overdraft fees and I ca n't pay my bills for the month. US Bank did take into consideration that I did not authorize XXXX to take that amount out of my account. I spoke to several bankers, the claim department, as well as the bank manager that I open my account with, about removing the overdraft fees and all they say is there 's nothing they can do until I send in paperwork showing that the insurance company paid XXXX XXXX directly. Instead of the bank charging me 1 overdraft fee of {$36.00} for the forced charge back on my account in the amount of {$130.00} that occurred on Wednesday XXXX XXXX, the bank charged me 8 overdraft fees for my purchases made before this forced charge back. This is unethical practices and I will like someone to look into my issue. | ||||||
| 03/28/2023 | Yes |
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Web | Servicemember |
| In 2010 I applied for a private student loan with XXXX XXXX to finish my XXXX XXXX XXXX at XXXX XXXX. I believed when applying for the loan I was applying for a fixed rate loan, while filling out the application it was a fixed rated loan, going over and signing the paperwork it was a fixed rate loan, and even when I begin to make my payments I believed it was a fixed rate loan. I begin to pay the loan back and my payment was something like XXXX dollars a month and I was paying double that to try and get it paid off. I encounter some other bills so I begin to make only the minimum payments of XXXX or XXXX dollars a month for this loan. I had already gotten it paid down to like {$2400.00}, within the first 5 months. I then received a call from a person from XXXX XXXX telling me my payment was short or I missed a payment. I explained to him that I had never missed a payment and that I had been doubling my payments but I had to stop ; however, I was still making the minimum required payment. That man was so disrespectful to me and treated me like I was the lowest person on earth. Yes, after that I gave him a piece of my mind and asked him who he was talking to and he would not talk to me that way. He stated he would show me and hung up. I did not think anything of it and continued making my payments. XXXX XXXX transferred my account to XXXX, I believed it was transferred somewhere else first then ended up at XXXX but I really can't remember who was the first company. I really had not paid much attention to this loan and I have just been making my payments always in the back of my mind saying this is not paid off yet. After graduating from another college and having those loans paid off and I am still paying this loan from 2010, I know said I need to look into this. What I discovered and now know what he meant when he said he would show me. My loan now is a fixed/variable rate collecting daily interest with XXXX installments. There is no way I would have signed a 15-year loan for {$3000.00}. I will never be able to pay this off and this would not have made sense to do. I believe that a XXXX XXXX employee changed my original loan and then sold it to another company to get it off of him. I never signed anything to my knowledge for a variable rate loan. I know I would never have done that I am asking that the original loan document be pulled showing where I signed the paperwork. Showing where I signed for a fixed/variable loan. I am also asking at this point that this loan be forgiven, I have paid well over {$3000.00} for this loan. if not forgiven at least refinanced to something that is more realistic and more reasonable and makes more sense. Thank you for any help that you can provide. | ||||||
| 08/17/2022 | Yes |
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Web | |
| Hello, This is XXXX XXXX, resident of XXXX, California. I am reaching out to notify you about filing a report about an employment fraud/scam. I am a recent college XXXX and submitted my resume on XXXX site, then was reached out via text message from number ( XXXX ) XXXX about an opportunity on XX/XX/XXXX. I thought I was communicating with the actual XXXX XXXX and what I thought was a legitimate business. I was put into contact their alleged Chief Information Officer employee XXXX XXXX to see about the employment and job briefing via XXXX. After contacting someone posing as the real XXXX of the company, I was offered the work from home job. On the job application, my personal information like my social security and home address was included. XXXX XXXX then informed me that the company was issuing me a {$3500.00} check to purchase my at home office. The alleged company issued out a check on XX/XX/XXXX to acquire an at home office setup to begin training. Once the check was deposited to my account, I was asked to XXXX the money to individuals that were claimed to be the vendor and shipping agent. XX/XX/XXXX XXXX {$1000.00} payments to person XXXX XXXX and a {$1000.00} and {$400.00} payments to XXXX XXXX. The next day the XXXX, another check of {$4200.00} was issued to acquire the rest of the equipment but {$3500.00} of it was returned because of a problem with the issuer when trying to be deposited. The remaining {$700.00} was instructed to be sent to XXXX XXXX. I was then asked to pay for the rest of the equipment and would be reimbursed but I declined and this began my suspicions. The employees from the company have not been transparent and their communication has began to become suspicious and then ended all together after I alerted them I was reporting them for fraud and further investigation. I am now being charged by bank for the full amount of the fraud checks and am doing everything in my power to report and be protected and reimbursed for the bad money. These scammers were posing as the company and now I know it is a scam and fraud. I have also contacted my bank and credit union for a fraud alert to protect myself as well. US Bank and XXXX have not helped me or reimbursed me for the scam because they claim I had authorized the transactions and they are not held responsible. Which is unfair and now I am out the {$4200.00} that was sent to the scammers via XXXX. I have also filed a report with XXXX Police Department, XXXX District Attorny, FTC and FBI IC3. Please contact me to begin the next steps to further investigate and protect myself, and get the money back that was scammed from me. Here is my contact information. Cell : ( XXXX ) XXXX Email : XXXX Thank you for your help. | ||||||
| 01/25/2018 | Yes |
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| On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and resolve this. | ||||||
| 04/27/2017 | Yes |
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| I purchased {$100.00} Mastercard prepaid card on XXXX from XXXX XXXX that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on XXXX and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF. I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again ( a nd recommended I use XXXX ). So I tried again twice on XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on XXXX and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her manager .. . she said was n't available but took my number and will have them contact me in a day or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution. XXXX Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount. They also mentioned on the second call that my XXXX XXXX receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally. Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable. | ||||||
| 09/12/2017 | Yes |
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Web | Servicemember |
| XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX XXXX and other XXXX XXXX XXXX. XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. To date, US Bank has me at {$1600.00} in the negative in overdraft fees. | ||||||
| 08/05/2022 | Yes |
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Web | |
| On XX/XX/22 I used my bank card to rent a car while in XXXX XXXX. There was a deposit hold of {$250.00} and the total charge was {$220.00} for a total hold initially of {$460.00}. When I returned home on XX/XX/22 my account balance was showing a negative balance due to the holds. On XX/XX/22 I reviewed my balance which showed a negative balance of {$180.00}. I contacted the customer service number and was advised to make a cash deposit at a Bank ATM to return the balance to a positive which would relieve some of the Overdraft charges and prevent new ones. When I returned to the states I updated my address to XXXX, GA from XXXX, TN. I had to travel over 200 miles + round trip to get to a US Bank ATM to make a deposit. I was advised to speak to a supervisor regarding refunding the overdraft charges. On XX/XX/22 I contacted the customer service team again after seeing the Rental Car transaction had now appeared again in the account which forced the balance into a negative again. This situation was very alarming as I was not made aware of it the day prior when I spoke with the Customer Service team. The supervisor waffled around about what happened and wasn't able to give confident support of the issue. He eventually referred me to the bank branch in XXXX. I called the bank branch and was advised that if it was a merchant error with posting or a bank error then all of the fees could be reversed. I would have to reach back out to the Customer Service number. I called back and was routed to the disputes department. I advised as best I could of all the information and misinformation I had been provided over the last 18 hours or so. Eventually the agent I spoke with advised they could reverse XXXX of the overdraft charges. There had been XXXX overdraft charges on my account in the past week which is well above and beyond what is to be expected. I also removed the overdraft protection from my account in an attempt to prevent future occurrences like this that appeared to be prompted by some merchant or banking error connected with the rental car payment. I will also no longer be using the bank card for that kind of purchase after this series of events. At minimum, I would like for US Bank to review the scenario and provide a reimbursement of the other overdraft fees that were assessed on the account not only due to the posting error with Routes Rental Car but also due to the stress this has caused and the undue burden of having to travel XXXX miles round trip to deposit cash into the account at the instruction of the customer service team only to be advised the following day that the deposit wouldn't post until the following day and therefore it would not prevent any additional overdrafts. | ||||||
| 09/26/2021 | Yes |
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| I recently divorced XXXX XXXX and he is not happy with our divorce outcome, and i believe him to be the culprit for identity theft for me and my family. I found a user name on XXXX that i did not create, but 1 letter off from my typical user name. I reset the password and have been cleaning it up, but I can not keep any bank accts or Cc safe. They are constantly being compromised, alerts changed, money transferred out, etc. XXXX address and moms address showed up on my Acct as well as tons of alias and old employers that were spelled incorrectly and from prior to me opening my own business. Can you please help me obtain all the credit inquiries/accts that are associated with these incorrect details from my credit report? Ive never lived at either of these addresses. XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX, Ca XXXX This is my business address from XXXX to XXXX. I was told by XXXX XXXX that a XXXX loan was taken out in XXXX and paid in XXXX, but that may have been my ppp loan. However, i did not use the XXXX address for my ppp loans. I closed my XXXX XXXX in XXXX. I found a business credit website that showed my name and social as a business alias and so Id like to run a check against my business too please. XXXX XXXX XXXX. ( XXXX ) XXXX Some other issues are My phone and computer are hacked, same with email, all accts, XXXX has a fake Acct set up, most do including XXXX XXXX XXXX XXXX. Edd has an Acct with each email address of mine ( 5 ). I let them know but they only see one claim. My dad has fraud on his Acct too, and i suspect XXXX will frame me to be the one who committed these frauds, which i would never do. Ive been having cash stolen from my purse too. Today, {$500.00} was stolen from inside my dads house while i was out back with him. Two nights ago while i was sleeping {$1000.00} was stolen from my purse. I have no safe bank accts, and cant hang onto cash, so Im getting frustrated and my credit score is down 100 points since XXXX because i cant pay my bills. My internet hack is preventing me from security thats reliable. Us bank denied my XXXX claim. I loaned a friend {$1000.00} through XXXX on XX/XX/XXXX. That week 2 more {$1000.00} payments came through and a {$500.00}. Us bank says the three {$1000.00} transactions were reported first ; then the {$500.00}. I never reported the legit 1st loan pmt, but did call in the fraud and they added the {$500.00} without realizing the others were reported and included my pmt to XXXX XXXX. I believe it was identity theft report I also saw that checks my dad wrote to his house keeper were deposited into two banks, but she has XXXX XXXX, so XXXX in XXXX XXXX likely has an Acct open of mine but identity theft | ||||||
| 09/10/2018 | Yes |
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Web | Older American |
| On Thursday, XX/XX/2018 I received a notice on my computer from XXXX XXXX, Then I received a call from XXXX, XXXX. The people that called me truly scared me into thinking that my bank accounts were being compromised and that hackers were in the process of extracting {$6800.00}. This process was going to be happening over a few weeks time and I wouldn't be made aware of this until after it happened. I definitely feel extremely foolish. The men talked to me for over 4 hours. Yes, they convinced me to go to XXXX 's and purchase an XXXX XXXX card for {$500.00}. Once I had given them the numbers they showed me that my US bank card had been credited back to my account. I feel so foolish as to believe them especially now that I've had a chance to re-evaluate the situation. The next store was XXXX in XXXX 's where I purchased another card for {$500.00} and then the final store was XXXX where I purchased 10 cards for XXXX. I was to give the man the back numbers of the cards and then of course they convinced me that I'd have to go to more and more stores yet by this time I was at the airport and I couldn't do anymore purchases- thank goodness. My family is very unhappy with me. I do have all of the receipts : 1- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX for {$500.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ... XXXX {$500.00}. 3rd Store : XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX VCD # XXXX {$1000.00} I did contact US Bank within 2 hours of this happening. I also called XXXX XXXX. US Bank said that nothing could be done to help me. I spoke with a friend that told me to contact Consumer Protection Agency. I have contacted the Sheriff 's Dept. and they referred me to file a complaint with the FBI. I do not have a call back number for the people that contacted me yet I did receive 15 calls back from the man that had me do this and he wants to send me a check for the XXXX. Yet, he had someone else use his name and the man tried to get all of my banking information, which I did not give to him yet he was able to get onto my laptop. However, I hung up on him and he has since called me back over 20 times yet I'm not answering any of his calls. Now his calls come in on No Caller ID. I figure that if anyone wants to talk to me that they'll leave a message. Is there anything that can be done to help me with this {$2000.00} situation? I do understand why US Bank doesn't want to stop the payments because the hackers had already cashed in the XXXX XXXX cards and XXXX XXXX cards. This has been really hard on me since I am a widow and I need to feel that I can take care of myself without my family coming down on me rather hard for being so foolish. | ||||||
| 02/28/2018 | Yes |
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| Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power | ||||||
| 07/28/2017 | Yes |
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Web | Older American |
| Our father died ( XX/XX/XXXX ), and my sister and I were appointed to take over the financial dealings for our mother. My sister ( POA for our mother ), my brother, and I became concerned about the " management '' fees being charge by US Bank on a trust set up by our grandparents for our mother ( primary beneficiary to receive income from the trust ) and we XXXX grandchildren ( secondary beneficiaries to receive residual funds on the XXXX of our mother ). XX/XX/XXXX we made our first approach ( see attached ) to US Bank in an effort to reduce the " management '' fees ( approx. {$16000.00} in fees and expenses with approx {$19000.00} of income distribution - account value XX/XX/XXXX {$970000.00} ). We proceeded with negotiations until in XX/XX/XXXX it became apparent US Bank was not dealing in good faith with only a .2 % reduction of fees ( approx. {$2000.00} annually ). We then hired an attorney seeking to have the three of us appointed sole co-trustees intending to keep the same low risk ( mainly investments in tax free municipal bond funds ) strategy and charge no fees. Should we have been successful, we were poised to transfer investments to XXXX XXXX which has amazingly reasonable fees. In order to get a fuller picture of the management over the 20 years since our grandmother died, early XX/XX/XXXX we requested ( see attached ) the annual summary statements and management agreement ( to ascertain if the trust was going to be responsible for US Bank 's attorney ). We not only did not receive these statements but, after requesting acknowledgement, we received no acknowledgement from US Bank about our request. Our attorney also requested these statements on our behalf ( we received only statements showing the trust distributions to the three of us on the XXXX of our grandmother ). We believe ( under Oregon law ) that we have the right to receive these annual statements so we can better evaluate past management of this account and participate in arriving at a new strategy more appropriate for our mother in light of the excessive fees being charged for scant management of the trust established for her benefit. We also believe the trust should not be charge for anything more than a reasonable amount for these copies ( i.e. the trust should not be charged for any attorney fees as we had to stop legal action because we were assured the trust would be paying US Bank 's exorbitant legal fees ). Our purpose in filing this complaint is to receive the annual year end summaries from XX/XX/XXXX through XX/XX/XXXX as well as the management agreement which should specifically address who is responsible for legal fees under specific circumstances. Thank you for your assistance in this matter. | ||||||
| 05/13/2019 | Yes |
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| Dated : XXXX XXXX XXXX XXXX Attn : Consumer Dispute Dept. XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX REF : Good Will Please! I'm Stressed! I Don't know! RE : ACCT # XXXX ==> I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. Dear XXXX Management Team / Elan Financial SVC, I was advised to write to you by your customer service department concerning my credit rating with your company that was recently reported late on XX/XX/XXXX for 30 days and XXXX XXXX. I have enjoyed a credit account with you guys for a while now. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been! Unfortunately, last month, I was in a financial dilemma due to some unforseen and, may I say, unexpected emergency with some family issues, where I had to change my bank account and told the representatives there at the bank to notify the credit card department of such change due to automatic payment. As a result my payments to you were marked delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid and made sure to fulfill my obligation to ensure that your company suffered no loss. I'm actually in the process of closing on my new house within the next 30 days, and this is REALLY setting me back now. I really need your help on correcting this mistake which honestly I thought it would never happen because I had adviced my Banker to notify you guys with the New Account Info. I was told not to worry, as it was my first time that they would take care of it. Nonetheless, now have have those negative marks on my creidt report. I am thankful and appreciative for the positive credit history that I have obtained through your company but now those late marks on my credit reports are causing me tremendous stress : ( I am trying to purchase a better home for my family, but the negative remarks are hurting my efforts. PLEASE PLEASE HELP! This is where my " Goodwill Request '' comes in. I desperately need this and I would be extremely appreciative if you would please remove the lates from your records and request that the credit bureaus remove them from my credit reports as well. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction from you guys. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. Kind regards, XXXX XXXX XXXX | ||||||
| 02/11/2021 | Yes |
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Web | Older American |
| This complaint is being submitted with regard to a {$100.00} XXXX Gift Card I purchased from the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2020. I purchased a couple of Gift Cards in XXXX to be used as XXXX gifts when I was receiving extra stimulus benefits. The gift card was given to my granddaughter as her XXXX gift, but she was unable to use or activate it. I consequently retrieved the card from her and contacted XXXX USA in an effort to resolve this issue. After my call to XXXX USA I was directed to submit a fax along with a copy of both sides of the XXXX gift card, a copy of the XXXX Sales Receipt and my contact information. I threw away the original cash register receipt, but I checked my bank account and I was later able to determine that I made the purchase on XX/XX/XXXX, and with the help of my XXXX Plus Shoppers Card the XXXX Corporate Bookkeeping Office provided me with a copy of the Receipt Details statement for my entire purchase on that date. In my effort to resolve this issue I made multiple follow-up phone calls and submitted/faxed the requested information and documents THREE times as requested/required. In my follow-up phone calls I was told that I had to CONTINUE submitting/faxing the SAME information once again. The first time that I called I was told that I needed to submit a copy of a government ID, but I was later told that I only needed to submit " contact information '' which I did. ( I overheard the phone agent confer with someone about that specific directive. ). When I called to follow up on the matter I was first told that I needed to submit a government ID ; later I was told that they did not receive the info. I submitted the info a third time and I was told that the ID/license was too dark and I also needed the original receipt. I am not able to provide the original receipt, but I provided them with proof of purchase information that I obtained from the XXXX XXXX XXXX based on my debit card purchase and my XXXX Plus Shoppers Card. I also asked if I could submit the required information via email, because I do not have a fax machine and I was told that I could not. Please note that when calling XXXX USA a voice recording indicates that their phone calls are recorded. I make note of this as proof/evidence of my effort ( s ), in the hope that this can support my complaint. I shared with the XXXX USA staff that I was concerned that I was getting the run around as part of their effort to discourage me from following up on my claim, because this is a common practice with some businesses, and this is also why I am submitting this complaint. Your efforts toward resolving this issue are greatly appreciated. | ||||||
| 07/27/2016 | Yes |
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| I opened my first checking and savings account on my own outside of my parents reach in XX/XX/XXXX, even though I have been apart of US Banks customers for 2 years. I have never had an issue like this before, but when I opened the account I was not made aware of the Federal Regulation that says I will charged {$15.00} every time I transfer money from my savings to my checking more than 6 times a month. I was not aware of this at all, and It was not brought to my attention during the entire month. I agree I am young, and not the most educated client they have had, but that is all the more reason they should 've notified of me what I was doing wrong. I have talked to several US Banks representatives and they have been nothing but rude and cold shoulder to the idea of them doing anything wrong. The reason I transferred money so much during the month was because I was using the money in my savings account to buy college stuff, for example ; things for my dorm, and school fees. Because I was not aware of the regulation and was not notified after 6 times that I was going to be charged, I ended up transferring money 23 times. I did not think to check my account transfers earlier in the month because it was never brought to my attention that I was going to charged money to take my own money out. I lost in total {$340.00}. This money was supposed to help me pay off my first college semester, and now that the money has been taken in Withdrawal fees, I am not able to make that payment. I feel very strongly that US Bank is at fault not only for misinforming about my account information, but not being honest in their rebuttal. During the phone call with the representative, she stated several times that I received a " pop up '' explaining I would be charged money to transfer. Not once did I receive this " pop up '', if i would have, I clearly would n't of kept transferring money. I did not receive an email, phone call, nothing. If you look at some of my transfers, they are as little as {$5.00}. It would not make sense for me to transfer {$5.00} just to pay {$15.00} in a withdrawal fee. Now that I am aware of the situation, I will no longer be transferring money from my savings account into my checking account, but I want to be reimbursed for the {$340.00} that was taken out in withdrawal fees. I feel like it is in my rights to have the charges reversed since I was never once informed, notified, or told about them in the first place. Please closely look at the transactions. Yes, it is a federal regulation, and it 's not US Bank taking out the money. But they did lack to inform me, and caused me to lose out on money that was mine to pay for my education. It is an unfair and unjust situation. | ||||||
| 11/20/2020 | Yes |
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| During the fall of 2018, I had fallen significantly behind on payments on a credit card that I had with Elan Financial Services and had entered a payment arrangement with them to avoid having my account go 120 days past due and fall into " charge-off '' status. My account was set to go into " charge-off '' status on Friday, XXXX XX/XX/2018. Through no fault of my own, the first payment that I was going to make as part of the payment arrangement had gotten delayed in the mail and wouldn't arrive until the Saturday, XXXX XX/XX/2018. I called Elan Financial Services on Thursday the XXXX and Friday the XXXX to inform them of my predicament, provide them a tracking number for the envelop that I had sent the money order in ( as well as the serial number of the money order ), and see if there were any solutions whereby we could avoid having my account charged off. On Friday, XXXX XX/XX/2018 at approximately XXXX Eastern time, I was able to speak to a male supervisor at Elan Financial Services . This supervisor indicated that I had been misinformed about my account status and that the charge-off date was not until late XX/XX/2018 XXXX I do not remember the exact day that he told me ), and that as long as my money order was in their mailbox on Monday, I'd be fine. By Monday, XXXX XX/XX/2018, I realized that my account had in fact been charged-off so I called Elan Financial Services and spoke to a supervisor named XXXX ( her direct line is/was XXXX ). I described the situation to XXXX, who indicated that she would have to look into it and call me back. On Tuesday, XXXX XX/XX/2018 at approximately XXXX, XXXX did call me back to let me know that she reviewed all of the information and phone calls and that the male supervisor was indeed mistaken when he informed me that my account would not be charged off until late XXXX. Due to his error and the payment arriving late being no fault of my own, XXXX indicated that Elan Financial would not report my account as charged off/past due/delinquent to the credit reporting agencies. For the following two years, I have tried multiple times to have my credit reports updated, but it has not worked. I have disputed directly with the three bureaus as well as Elan directly, and they have made some changes, but my account still variously appears as delinquent/charged-off/past due ( depending on the credit reporting agency ) even though I have since settled the debt with them, hoping that this good faith move on my part would cause them to hold up to their agreement. I have been denied additional credit/increases on existing lines of credit multiple times since XX/XX/2018 directly due to Elan Financial Services not updating their reporting. | ||||||
| 06/06/2023 | Yes |
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| I am writing to express my deep dissatisfaction with the service and lack of information provided by US Bank and travel insurance department regarding my recent claim for flight ticket reimbursement. I believe that the handling of my case was highly unprofessional and did not meet the expected standards of customer service. On XX/XX/2023, I made a payment of {$690.00} for flight tickets scheduled for an XX/XX/XXXX trip to XXXX XXXX. Unfortunately, on XX/XX/XXXX, my child fell ill and developed a fever. Realizing that we would be unable to travel, I promptly contacted US Bank customer service on the same day to inquire about travel insurance coverage. Regrettably, I was transferred multiple times, and none of the representatives I spoke to were able to provide clear information regarding the policy or the necessary steps for filing a claim. After enduring this frustrating experience for two hours, I reluctantly gave up. As my child 's condition did not improve by XX/XX/XXXX, we were unable to make the trip, resulting in the cancellation of our tickets. Determined to pursue my claim, I made another attempt to contact your travel insurance department and was eventually transferred to a phone number associated with Visa. However, all I reached was a message box, where I left a detailed message explaining my situation. On XX/XX/2023, I missed a call from the visa insurance company. Upon returning the call, I encountered the same message box and received no call back despite leaving my contact information. Frustrated by the lack of response, I took it upon myself to follow up on my case after a week had passed. It was only then that I managed to find a link online to file my claim. However, my claim was subsequently denied due to the absence of a doctor 's statement. While I understand that my claim was denied in accordance with the policy, I fail to comprehend why US Bank and the travel insurance department failed to provide clear information regarding the policy for over ten days. It is disheartening to see that your institution denied a customer 's claim based on a seemingly undisclosed policy. As a loyal customer, I expected transparency and prompt assistance in understanding the terms and conditions of the insurance coverage. I kindly request a thorough investigation into this matter and a reconsideration of my claim based on the circumstances outlined above. Additionally, I urge us bank to review your customer service protocols and ensure that the representatives possess the necessary knowledge and resources to handle inquiries related to travel insurance. It is imperative that customers feel supported and informed when seeking assistance in situations like mine. | ||||||
| 09/22/2022 | Yes |
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| I was approved for the Nebraska Homeowners Assistance Fund ( NHAF ) in XXXX of 2022, and US Bank was notified of this via NHAF the same month. US bank ignored this and proceeded with foreclosing on my home in XXXX of 2022. I received letters from a law firm saying my home was in default and would be auctioned off. I called NHAF and they again confirmed my eligibility and sent US Bank another notification in mid-XXXX of 2022. In XXXX of 2022, I called a HUD-approved counselor who completed a three-way call with me to US Bank. US Bank stated the only way they could stop the foreclosure was for me to apply for a Standalone partial claim, which I did. I spoke with another HUD-approved counselor on the phone after that and was told that I would have to come up with the additional money beyond the {$30000.00} I owed, and NHAF would pay the rest. I stated I had the money and was waiting for the NHAF program to pay the first {$30000.00}. On XXXX NHAF paid the {$30000.00} to US Bank, which I didnt know about until I received notification from NHAF in XXXX. I was not sure when I was supposed to send my share in, because every time I tried to send US Bank money they returned it saying I had to pay everything I owed. I was not notified about any of this until I received a Bank Statement on XX/XX/2022 showing NHAF sent in the {$30000.00} on XX/XX/2022 but US bank didn't distribute the {$30000.00} from XXXX until XX/XX/2022 to my past mortgage payments. The Bank Statement shows that on XX/XX/2022, US Bank returned the {$30000.00} to NHAF and applied a partial claim to my account for {$32000.00}, which is now a separate loan on my account. I called the bank and asked them why they returned the NHAF payment and they said it was because I couldnt have a HAF grant and a partial claim at the same time. I told them I didnt want the partial claim, but they said I had to take it because it was already done. I dont know who this program is supposed to help because anyone who applies for any type of modification also includes a partial claim, so how is anyone going to get the HAF grant? I did everything I was supposed to, and followed what the HUD-approved counselor told me to do, and yet I still didnt get any help. I now owe more on my home than I did eight years ago when I bought it. I would like to appeal this because this was not handled correctly. I was approved, and US bank was notified of my NHAF eligibility before the partial claim was applied for, and the NHAF grant was received before the partial claim started, so this should not be happening. Can you please help me, I am at a complete loss as this is not fair, I did everything I was supposed to, yet I still didnt receive any help. | ||||||
| 10/29/2015 | Yes |
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| A deposit that was made in precisely the manner we were instructed by US Bank when the check is not written to me, the account holder. US Bank reversed the deposit of {$7200.00} claiming that it was not done so XXXX their procedures, which is a false statement as this is precisely how I deposited another check written to my wife, which she signed over to me and I deposited in precisely be same manner just days later. US Bank charged our account excessive overdraft fees forcing our account nearly {$500.00} negative. The account was able to be brought back into positive standing when my paycheck was deposited less the amount in overdraft. US Bank made no intentions to notify us that the deposit was returned and allowed transactions to post to the account and subsequently continued doing so when they returned the deposit. Since then, our balance has been further reduced and we are again in overdraft due to excessive overdraft fees of over {$200.00} in sum on top of the amount they allowed transactions to post to the account. This is firstly related to the reverse of the deposit we made and US Bank and their CEO have failed to address and or rectify the situation whatsoever. This violates the consumer trust and does little more than to create profits to this bank whereby any accounts that become overdrawn are subject to excessive penalties and fees charged multiple times in the same day. This has got to stop and my wife and I currently hold our mortgage, a credit card account and our checking account. This deposit would have helped us establish a savings account whereby we could manage our finances easier in light of the hardships we are already facing. As a former employee of US Bank, I am disgusted at the way the bank had handled and addressed the entire matter and the treatment we have recieved. I maintain the screenshots of the transactions showing all of this to be true and ask that US Bank be fined for their excessive overdraft penalties and return the entire sum of the current overdraft status and previous overdraft status to my account and allow me up to 90 days to open a new account with another financial institution. Whereby the only remaining accounts we will maintain is the credit card account and mortgage. We will no longer do our personal finances with US Bank and we will advise against them directly due to these actions. I am utterly disappointed in XXXX XXXX for allowing this bank to treat a military veteran, former employee and long time consumer in this manner and for allowing the bank to fail to live up to its advertisement of commitment to the consumer. A simple call in regard to this deposit would have quickly and easily allowed these actions to not occur. | ||||||
| 10/17/2023 | Yes |
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| I was told by US Bank XXXX that I qualify for early lease turn in, XXXX. I called and spoke to a person at the US Bank XXXX XXXX department. He went over that I qualified for the early lease turn in. The agreement that the vehicle would be picked up at my residence, the remaining lease payments would be waived, and I would receive XXXX payments within 60 days after the vehicle was taken. I thought about it and called back the beginning of XXXX and agreed to this. I asked if I would be charged a payment once I agreed and they said no. I asked several times if I would be charged and he said no. I made Auto payments for almost 3 years and the auto pay can not be turned off online by me, so the person I asked would have had to turn it off. The auction company called and told me a person would be calling me to pick up the vehicle at my house. XXXX at XXXX XXXX called and we set it up for pick up and I told him I would meet at XXXX so it would be easier for them to load the car. After XXXX cancelations on their end, a driver called on the XXXX of XXXX and I met him at XXXX. I saw on my banking statement on the XXXX of XXXX, US Bank charged me. I was not expecting that since I already purchased another vehicle, still had insurance on the truck even after it was picked up. I called US bank back asking for the refund on that payment. They said that was unfortunate, but I would have to wait 60 days. I stated I though that was 60 days for the XXXX payments, but I was not expecting the XXXX. I called back a total of XXXX more times and on Friday the XXXX I spoke with someone, and they put me through to a manager. Her name was XXXX and she said she was escalating this, and she agreed I should get that payment sooner. She said the service person reading me the agreement should have turned off the auto pay on their end. She said she was going to submit the ticket and call me back Monday. She also said if I didn't get it resolved on US Banks end to dispute with my bank. No call on Monday, but I called back on Tuesday XX/XX/XXXX and the person who I spoke with read notes that I was XXXX receive XXXX payments in 60 days after the sale of the truck at auction. She never said anything about what XXXX said and also said she never heard of this person. I went ahead and disputed with XXXX ( my bank ). I feel this has been happening a lot with US Bank XXXX and after reading reviews from other people, US bank should be accountable. I've made auto payments for almost 3 years ; I was never late. They made money off me and sold the truck for a profit. If I was late, I would have had to pay late charges and interest. I feel they made an offer for the early lease turn in, they should abide as agreed. | ||||||
| 05/17/2017 | Yes |
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| I sent and email t o US Ba nk requesting to have XXXX of the XXXX NSF charges that I have received removed since it shows proof on the transactions that I had enough funds to cover the transactions that I am now being charged {$100.00} ( {$36.00} * XXXX = {$100.00} ). Here is my email that I sent to US Bank : I am disputing XXXX NSF fees of {$36.00} these because at the time I withdrew the month on the XXXX there as money in the account to over these transactions. I am not disputing the other XXXX the other XXXX that were added on today XXXX / XXXX / XXXX because that is my error. I can see by my transaction history on my account that I have included that there was a positive balance after that transaction was done. I am requesting XXXX of the XXXX NSF fees refunded back. Thank you for your time and consideration. XXXX / XXXX / XXXX Atm Fee XXXX XXXX XXXX XXXX XXXX {$2.00} Balance {$120.00} XXXX / XXXX / XXXX Atm Withdrawal XXXX XXXX XXXX XXXX XXXX {$42.00} Balance {$120.00} XXXX / XXXX / XXXX Debit Purchase XXXX XXXX XXXX XXXX XXXX {$16.00} Balance {$160.00} XXXX / XXXX / XXXX Debit Purchase -visa XXXX XXXX XXXX XXXX Wa {$7.00} Balance {$180.00} This is US Ba nk response XXXX Hello XXXX , Im s or ry to hear of the difficulty youve experienced with your account. I can certainly explain why the fees were assessed, to help prevent this in the future. Items on your account are paid based on the available balance. This balance includes check card authorizations, as well as any unavailable funds from a deposit. The fees assessed on XXXX were the result of transactions that posted on XXXX . Your available balance ending this date was - {$240.00}, due to unavailable card authorizations at the ATM totaling {$360.00}. I 'm sorry for this reason we are unable to waive the fees on the account. You can view your available balance by selecting the blue circle next to the running balance when you 're logged into your Online Bankin g on the full site. Now I use my mobile app to view my account and balance and what my pending charges are and what my current balance is available. Its obvious on the statement that I will provide that I received off the website online that the amounts were taken out of the positive balance and the only items that should have been charged a NSF fee is the ones in the read which I take responsibility for. As you can see by the statement I was charged XXXX for {$7.00}, XXXX , XXXX XXXX not usbank atm charge. Those transactions clearly show a positive balance after it was withdrawn dated XXXX / XXXX / XXXX per the statement I have supplied. | ||||||
| 03/15/2022 | Yes |
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Web | Older American |
| Dear Sir or Madam : My wife and I recently ( XX/XX/2022 ) attempted to refinance my mortgage with US Bank. I chose them because my existing loan was already with them. I was assigned a loan officer, XXXX XXXX XXXX XXXX help the process go smoothlyI thought. I filled XXXX XXXX in with all the personal and financial information he requested. He indicated that the only out of pocket expenses I would be responsible for was an application fee of {$390.00}. I learned, as the process continued, that XXXX XXXX concept of Out of Pocket did not include what eventually would become thousands of dollars in bank charges taken from the sum I was borrowingbut the truly outrageous problems were yet to come. In the first set of loan documents I was sent the estimated cash to close included a cash payment to me of {$4400.00} plus dollars. Less than what I expected but XXXX XXXX explained that because they had to increase the amount of the loan based on my income the costs had gone up. These loan docs were e-mailed and I Docu Signed them. In the mail arrived a full set of loan docs on paper for my wife and I to sign. On the page that included the costs, what previously was {$4400.00} plus dollars had now become {$550.00}! The costs had once again gone up. I tried calling XXXX XXXX for four days but got no response. Instead I received an e-mail from him with all the Loan Docs for me to final review. On the cost page of these docs was a shock. The {$4400.00} that had become {$550.00} was now listed as {$22000.00} for me to pay the bank in order to get this load!!?? After two more days of trying which included have the US Bank home office send an e-mail to XXXX XXXX telling him to contact me, I finally reached him by calling all morning. On the cost page the loan had gone up, the points had doubled and other costs had been included. XXXX XXXX put it off to the back that my home, that the XXXX had listed at {$630000.00} was now worth {$730000.00}! He also seemed totally unaware of the {$22000.00} the bank wanted me to pay them to get this loan. In the past 50 years I have had many mortgage loans and have been through a number of refinances. No bankruptcies never missed a payment, never foreclosed. What this appears to me is a clear case of discrimination. The bank feeling that my wife and I were XXXX plus and therefore a poor risk. Rather than just pass, they felt it was easier to propose an outrageous amount of costs and therefore I would just go away. To this day I have not received the $ XXXX XXXX paid as the initial fee, nor any sort of reasonable explanation for the hours my wife and I spent with paperwork only to be left with nothing. Sincerely, XXXX XXXX XXXX XXXX ID in XXXX | ||||||
| 12/03/2019 | Yes |
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Web | Servicemember |
| I requested a credit balance check in the month of XX/XX/XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, XXXX. I shared my frustration with this action as I would have never requested this option. I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XX/XX/XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. I hope this issue is resolved. I've contacted US Bank over 10 times with no significant help. I have already contacted XXXX and the third party biller XXXX. They have no idea how to use the tracking number you provided. I have contacted them three times already. I find this very frustrating as I have no idea what to do and US Bank is not taking responsibility for this. I am asking US Bank to contact whoever they sent the money back to and get the information I can use to get my money. Please help me! It's been over 6 months! | ||||||
| 04/18/2023 | Yes |
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Web | Servicemember |
| I received a US Bank Visa Gift Card from a friend in XXXX, XXXX. I did not realize until XXXX, XXXX when I tried to use the card at my local XXXX that it needed to first be registered. On about XX/XX/XXXX, I went online to register the card and realized that someone using the name XXXX, had fraudulently registered the card and used it at XXXX on XX/XX/XXXX. See attachment XXXX, Card Activity, that shows two XXXX transactions that werent made by me or authorized by me. This realization was quite a surprise, as I have always been and still am in possession of this gift card. I assume this was a computer hacker or insider who had access to computer files containing US Banks Visa Gift Card account numbers and corresponding PINs. I immediately called the number on the back of the card, XXXX, and was routed to a call center somewhere in XXXX. This is an assumption on my part, but Ive called several times and each time I spoke to a different agent with a very thick XXXX accent. When I asked where they were physically located they said they were not able to reveal that information. The agents informed me to mail or fax copies of the card front and back and also include a copy of my drivers license. I explained I was not comfortable sending a copy of license and would only send it with my birthdate and license number blacked out. They could have my picture and address and see that I had a valid AZ drivers license. Their system was already hacked, I did not feel comfortable exposing myself to identity theft. I mailed the requested documents to US Bank Gift Card Cardholder Services, XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, XXXX. I waited two months and heard nothing. A followup called revealed that they had my information but would not replace the Visa gift card because I blacked out my sensitive drivers license information. They wanted another copy of my license without the blackout. So I sent a copy on XX/XX/XXXX, but this time I sent it certified mail so I could track where my information was going. This enveloped was returned to me No Mail Receptacle, Unable to Forward. I even went into a local US Bank branch to see if they could help me. But they still wanted to send my drivers license information to their XXXX XXXX XXXX XXXX. At this point, XXXX very uncomfortable giving this sensitive information to XXXX Banks XXXX XXXX XXXX XXXX. Its clear to me that that this card information was hacked. I feel US Bank is being unreasonable in admitting that the fraud occurred on their end. Ive even enclosed the receipt from the purchase of the gift card, ( See attachment XXXX ). If you can provide any assistance in getting a replacement {$100.00} gift card I would appreciate it. | ||||||
| 10/01/2019 | Yes |
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| After my experience banking with US Bank, I can say that I do not trust them to service my mortgage loans. Their systems, processes and management style are extremely inefficient and incompetency is a severe problem with even the smallest of requests. I would not and will not be recommending them. Sadly, the issue isn't with customer service ( they've been extremely helpful ) it is with US Bank 's nonsensical and inefficient procedures and company organization. Here is my story : On XX/XX/2019, I sent a request to US Bank to send me my credit from DC 's Tax and Revenue office. I called them to confirm receipt of my request and was told that it had been received and a research request had been opened. I would receive my refund by XX/XX/XXXX. I called US Bank several times from XXXX to XX/XX/XXXX to check in and was reassured that they had all the information that they needed from me and that they were working on getting my refund. No worries. I called on XX/XX/XXXX and was told that there were NO updates to the research. Their Tax Team reassured me that they had made a request and that someone would get the request fulfilled. However, when I spoke to the Adjustment Team at DC 's Tax Office NO ONE from US Bank had sent a request for a refund. When I questioned the rep from the Escalation team about this, they weren't able to explain. The rep called DC 's Tax Office herself and was given instruction on how to file a request for credit with their office. They simply need to send a request in writing via email. Over four months and US Bank was NOW doing the supposed research to figure out the process for requesting a refund - it wasn't even someone on their research team. What was even more frustrating was that the Escalation rep couldn't do anything with the information she received other than put a note on my request for this so called " research team ''. This is a waste of time for myself, the Rep and this research team. The rep should have been able to send this request herself or send me to someone who could get this handled IMMEDIATELY. So now its over four months and I'm still waiting on them to send this email. There isn't even a process for resolving and expediting an outstanding issue like mine where it's clear that they were in the wrong. I've had to reach out to several Audit Managers via XXXX because there are no accessible contact information other than the generic customer service email. No one has called to apologize and/or help me. I am regretful having to use them as my mortgage company. I would not recommend them and highly suggest going for a bank that cares about thoughtful management and processes and most importantly about immediate service. | ||||||
| 08/30/2019 | Yes |
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Web | Older American |
| A bank that gave me a deposit slip on XX/XX/XXXX confirming receipt of checks and cash totaling {$2300.00}, today notified me that they're debiting my account by {$1400.00}. I'm the XXXX of a XXXX XXXX XXXX XXXX XXXX organization that banks with XXXX and as XXXX I regularly make deposits in person at a local USBank branch following events that the organization holds throughout the year. I always keep an XXXX spreadsheet with a breakdown of the deposit that identifies each check being deposited and the number of each kind of cash bill being deposited and I have copies of almost all such deposits going back to XXXX as Ive been XXXX all those years. On XX/XX/XXXX, the organization had a luncheon for seniors event where the charge to attend was an even {$20.00} per person. About 125 people attended the luncheon ( we were only charged for XXXX ) and we collected some payments in advance but most people paid at the door. On XX/XX/XXXX, I made an in person deposit at the bank totaling {$2300.00}, consisting of ten checks totaling {$590.00} and cash totaling {$1700.00}. The {$1700.00} cash breakdown was all in bills, XXXX XXXX, XXXX XXXX and XXXX XXXX. I received from the bank teller a stamped deposit slip for {$2300.00}. At least 2-3 weeks later, the bank called to tell me that there was a discrepancy in the amount of cash received and especially in the number of XXXX deposited that day. I told them that I was absolutely sure that I deposited XXXX XXXX dollar bills and suggested they check their camera footage. Over the following couple of weeks, they called again 3-4 more times and I even sent them a copy of my spreadsheet showing my deposit breakdown, etc., and pointed out that my file folder date and timestamp on that spreadsheet file was for the day and afternoon before the deposit was made. Today they called again and I asked them to send me an email as I was getting frustrated with all the calls. The email today says We will need to debit {$1400.00} from the account ending XXXX since we did not see XXXX bills of XXXX on the date of XX/XX/XXXX. That email also raises another issue for the first time : " I dont see any large cash deposit on the account ending XXXX for past few years, so wanted to check why only this time you had large cash deposit. '' She obviously didn't check my XX/XX/XXXX cash deposit totaling {$1500.00} ( which included XXXX XXXX! ), a XX/XX/XXXX cash deposit of {$1100.00}, and another cash deposit for {$1100.00} a month prior on XX/XX/XXXX. That's after just a quick glance through some deposits, but I'm sure they didn't realize that I keep copies of them all! I hope you can resolve it before I have to involve an attorney and the media. | ||||||
| 02/02/2017 | Yes |
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| I was issued XXXX prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for XXXX XXXX. I received XXXX cards in the mail in XXXX XXXX. Card XXXX was supposed to be pre-loaded with {$20.00}. Card XXXX was supposed to be pre-loaded with {$40.00}. I have never received this {$60.00} in full. When the cards arrived, neither of them had the correct balance that I was told they would have. The card with {$20.00} was reduced down to {$0.00} due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in XXXX of XXXX. The card with {$40.00} was reduced down to {$30.00} due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in XXXX of XXXX. The phone operators I called to request assistance were of no help trying to explain why the cards were assessed fees before they were received or activated, and informed me that the fee schedule ( 13 months of no activity ) begins when the card is funded, not when the card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. I activated the card with {$30.00} on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at XXXX XXXX with a point of sale transaction, at a gas station, and with an online purchase on XXXX. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough -- I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. Despite four attempts to use the card in XXXX, the card was still assessed a {$2.00} " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a {$0.00} fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a {$1.00} fee to give you incorrect information. These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft. | ||||||
| 04/26/2023 | Yes |
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| On XX/XX/23, U.S. Bank XXXX XXXX, XXXX XXXX ( NMLS # XXXX ) and I agreed on a suitable loan rate for a purchase for a new construction home at XXXX XXXX located at XXXX at XXXX XXXX in XXXX, CA. As it was a Saturday, XXXX XXXX indicated that she would have to lock in the rate on Monday, XX/XX/23 but would honor the agreed upon rate if rates increased and if they went lower, she would honor the lower rate. She subsequently requested the necessary documentation which included my Driver 's License. On XX/XX/23, I received an email from XXXX XXXX stating the rate had been locked. On XX/XX/23, XXXX XXXX sent me a Disclosure document for signature when I discovered the rate was incorrect and higher. For a week after that, XXXX XXXX ignored all requests I made to revise the loan rate. Throughout the process, I attempted to contact XXXX XXXX multiple times, engaging my realtor, Builder 's Reps, and XXXX XXXX 's assistant. On XX/XX/23, XXXX XXXX, after being reported, indicated that she'd make the revision. She did not and I reached out to a builder 's rep again who reported the behavior to a supervisor. On XX/XX/23, without apology or explanation, I received the revised document. Because of how uncomfortable XXXX XXXX 's behavior made me, I decided to terminate the contract and request an earnest money refund. Upon emailing a letter to that effect, a day later, I received a call from a builder 's rep that XXXX 's XXXX of XXXX and XXXX refused to return the earnest money. Without speaking to me, the customer, she relied upon a timeline of contact provided by XXXX XXXX even though I previously provided XXXX as well. XXXX XXXX neglected to include that she had locked me in to the wrong rate and that it remained that way for a total of 9 days until she was reported to a supervisor. None of the contingencies have been removed ( appraisal not reviewed/signed by me, received no inspection, and loan approval is conditional ) and yet, I'm still being denied my earnest money. I also indicated to XXXX XXXX that I felt XXXX XXXX 's behavior was discriminatory due to the fact that the incorrect loan was applied and her refusal to correct it after I submitted my identifying documentation to her. Reflecting on this brought me to a point where I was too uncomfortable to continue with the transaction. To my knowledge, U.S. Bank was never made aware of XXXX XXXX 's behavior. As my claim of XXXX XXXX 's unresponsiveness was questioned by XXXX XXXX, I provided screenshots showing my requests adding there was also a phone call made by my realtor to a builder 's rep urging XXXX XXXX to call me as well as text messages between my realtor, a builder 's rep, and myself regarding the situation. | ||||||
| 06/23/2019 | Yes |
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Web | Older American |
| XXXX XXXX XXXX forced us to make a non-refundable down payment before giving us any details about who the loan was through, what the % rate was, or what the total cost of the loan was. They refused to accept {$1000.00} down so we put done {$3500.00}. Our credit card was charged {$3500.00} that day. While they kept our credit card and drivers licenses they made us sign a statement of understanding stating that we would use their financing and carry the loan for at least 9 payments or they would charge us {$2000.00}. XXXX XXXX XXXX ( uncertain if that name is correct ) at XXXX XXXX bombarded us with a bunch of paperwork. He made it clear we were on camera and being recorded. He said it would take 15 minutes but we were there more than an hour and a half. Finally he showed us the contract. He refused to listen to our request to use XXXX XXXX XXXX. He did tell us the % rate at that time. He did not tell us how much our finance charge would be if we followed the payment schedule. He did not say there was an additional {$75.00} prepay charge from XXXX XXXX. They gave us no choice who to finance through and and we felt forced to sign all they had even if we did not agree with it. We felt this because of the non-refundable {$3500.00} and the confusion of what the {$2000.00} was. They said they would use our credit rating but did not check our credit. XXXX We went to XXXX XXXX XXXX. They told us XXXX and was notorious for using scare tactics and they didn't think they could force us to pay the {$2000.00}. They didn't understand the {$2000.00} either. They offered us a much better deal and we paid off the XXXX XXXX loan. XXXX XXXX XXXX We got a letter from XXXX XXXX at XXXX demanding {$2000.00}. They said XXXX XXXX was going to charge them. No terms were displayed. XXXX ext XXXX. XXXX We called XXXX XXXX and spoke to XXXX. XXXX told us they do not charge back Dealers and he didn't understand the {$2000.00}. XXXX said the Non-refundable {$3500.00} part of the transaction was very questionable and we should report. XXXX we got a second letter from Ms. XXXX. The letter said if we refused to pay by XX/XX/XXXX we would be reported to the Credit Collector. At first XXXX said we should be able to choose our own financing. Then she called back and said we had no choice. We told XXXX we were going to complain. XXXX e-mailed us a copy of the charge back statement showing XXXX XXXX sent to them. XXXX XXXX received a check for {$2000.00}. XXXX We called at XXXX XXXX to contact XXXX. Attempts have been made on our side and there's however, we have not been ever to make further contact with XXXX XXXX. I think the lady 's name is XXXX with XXXX XXXX in XXXX WI. XXXX | ||||||
| 07/21/2021 | Yes |
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| I chose to buy out my lease. My wife sent US Bank a personal check for the agreed upon price plus state taxes. Just over thirty thousand dollars. The check was cashed. Two days later the funds were returned. As soon as I noticed the returned funds I called US Bank. The associate I spoke to told me that the check was not signed and I needed to send a new check. I called my wife and told her we made a mistake and we need to send a new check. She replied by sending me a picture of the check written out perfectly. So I then called US Bank back to question what was wrong with the check. I was told by a bank employee that I needed to sign the front and endorse the back of check and overnight the new check to US Bank. I asked to speak to a supervisor because Ive never heard of endorsing a check that I wrote and I was worried about US Bank having two checks equaling {$61000.00}. The employee told me that no one was available to talk to me and someone would call me back. I called back to talk to someone new and after much questioning was told to write new check properly and mail it to US Bank. I still wanted to talk to a supervisor so I waited for my callback. Two days later I still had no response. My wife called our bank and they said I should send a bank check there is no way US Bank can not except it and they would send it for us. The bank check was taken out of our account and mailed to US Bank. The bank check was signed for by US Bank the next day. I called about a week later to make sure all was well. I was told my account was closed and I should expect the title for my vehicle in the mail. That day the title arrived. Everything seemed good. Until my wife and I are on vacation and my wife goes to a pharmacy and trys to pay for her products to find her card was declined. How embarrassing! Come to find out US Bank cashed the first check we sent for a second time and overdrew the account. I called US Bank immediately in a panic. After a long conversation I finally spoke to a manager who told me that nothing can be done until Monday. She told me an investigation would be started Monday morning. When I called Monday no one knew anything about my issue and nothing has been done but was assured that someone would look into it. As I am writing this it has been five days and they still have not resolved the problem. Every time I call its a struggle to talk to someone who knows anything about my problem. My wife and I are both very busy and finding it difficult to work a deal with this problem. I have to repeat my nightmare story every call. Ive had to give my social security number to so many people Ive lost count. We are scared this is going to effect our lives greatly. | ||||||
| 03/23/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. To whom it may concern, Issue : I am writing for assistance with a matter that occurred at a US Bank ATM XXXX in XXXX, TN. On XX/XX/XXXX, I visited the ATM as I normally frequent this bank in order to make withdrawals from a none US Bank account. I was making a withdrawal from my XXXX XXXX XXXX account. Ive never had issues with withdrawing until this day. I attempted to withdraw {$100.00} ; however, the machine only dispersed {$60.00}. I frantically wondered what had happened to the remaining {$40.00}. I pulled a head to relieve myself from my vehicle thinking maybe the remaining funds had failed to the ground but that wasnt the case. So I returned to the ATM as obviously the remaining funds had gotten stuck somehow. So I attempted a second withdrawal of {$20.00} thinking perhaps this will disperse the remaining {$40.00} ( if it was possibly stuck ) in addition to the {$20.00} I requested. Well only the {$20.00} was dispersed and not the {$40.00}. So I quickly made my way to the inside of US Bank to explain the situation and was told I needed to contact US Bank ATM department to file a dispute. I contacted US Bank ATM department as instructed and was told I needed to file a dispute with my bank, XXXX XXXX. So I contact XXXX XXXX and they filed the dispute and the results from the investigation was yielded that the machine dispersed the full withdrawal amount of {$100.00} which is absolutely incorrect. While I am not sure what happened to my {$40.00}, I do know it was not dispersed by the ATM, which means that particular ATM machine should have been over by {$40.00}. I strongly believe the information provided in the investigation report by whomever is responsible for emptying the ATM provide a report full of inaccuracies. In addition, I know ATMs can be faulty, as I just recently visited this same ATM location and attempted to make a deposit of {$1400.00} but the ATM said the amount was only {$1300.00} so I had to request the entire deposit be returned and found that it was {$100.00} that the ATM machine was not registering. Just as the machine claims it gave me {$100.00} when it only gave me {$60.00} Resolution requested : I am requesting US Bank return to me the {$40.00} that its machine kept. Due to the inaccurate information provided by US Bank XXXX XXXX XXXX, the temp credit that was given to me by XXXX XXXX during the investigation will now be withdrawn. I want my money back. If the machine didnt disperse it then please help me understand what happened to it as it certainly didnt just disappear. Thanks in advance for your time and assistance | ||||||
| 02/07/2020 | Yes |
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| I bought a Washer/Dryer from XXXX XXXX XXXX on XX/XX/2019. Once day later it was delivered, when I connected it to do laundry it was completely dead and non-working. I went back to the store one day later to return it and get my money back. I spoke to the manager, he told me he will come right back then he went into the back of the store and never returned even until the store closing hours. I was there for two hours then a staff of the store bullied me out of the store, told me they will not issue any refund and in his own words " it is what it is ". That experience was demoralizing, I was sold a Dead on arrival, non working unit and they are refusing to accept the return and give me a refund. I disputed this charge with my credit card company which is US Bank National Association .The representative on the phone at first told me that It s OK and I m not responsible for this purchase, it will be disputed and I ll get credit back. Then 3 months passed and I received a text message from US Bank stating that they are nearing the end of the dispute process .After a couple of days of I received a letter from US Bank stating that they are reversing the credit and closing the dispute in favor of the merchant. The reasons that they stated was the limited Cancellation/return policy of the merchant and the partial credits I received from the Merchant. Both those reasons are completely bogus and invalid .Those credit ( s ) that US Bank is referring to are refunds for two hoses, an exhaust ( accessories I purchased with the washer/dryer ) which I later returned to them and are COMPLETELY unrelated to the dispute matter. They are completely separate from the dead, non-working washer/dryer which was on the same order/transaction. And in regarding to the limited cancellation/return policy I was sold a non-working unit described to me as NEW-OPENED BOX which confirms that the unit must be in working condition, their policy regarding this described condition is that the unit must be in a working condition but cosmetic issues like small dents/scratches may be present, the one that got delivered to me by XXXX XXXX XXXX XXXX was DOA ( dead on arrival ), A completely non-working unit, the issue with the unit is not cosmetic ; IT IS A COMPLETE DEAD UNIT and I have video proof ( I had sent everything and all the evidence to US Bank ). What happened to me happened to countless people dealing with this XXXX store, you can find experiences and reviews in XXXX, XXXX, XXXX ... So as you can se e US Bank stated bogus and invalid reasons to deny my dispute. My money is being stolen and US bank i s an accomplice. What US Bank is doing is illegal and they should give my money back. | ||||||
| 04/27/2022 | Yes |
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| US Bank has be reordering my transaction in order to accrue more overdraft fees on multiple dates. After raising the issue with them, they stated it was because of the clearing date but the transactions are not even chronological order. I have attached photos of the dates of the transactions and screenshots my bank account showing the order doesnt match. I will include their proper order below. In addition, another occurrence an incorrect overdraft put a hold on my account putting it negative resulting in multiple overdraft fees. The original fee was refunded but the hold putting my account negative remained. In the first case on XX/XX/XXXX, they reordered transaction including a loan deposit ( not a wire, the loan company said it is a direct deposit and takes 24-48hrs tops ) in order to obtain fees. On XX/XX/XXXX I was charged an overdraft fee that was refunded and put a hold on my account making it appear negative when it wasn't. The correct order of the transaction is XXXX XXXX was made XX/XX/XXXX ( attached ) and the XXXX XXXX loan was issued the XX/XX/XXXX and should have cleared XX/XX/XXXX resulting in a positive balance. In addition the order of the transactions is XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, then XXXX XXXX ( in less than 24 hrs from the XXXX XXXX which would not result in a overdrsft. But the loan was not accepted until XX/XX/XXXX at which another automatic payment came out on XX/XX/XXXX resulting in a third overdraft fee. I've attached all bills and the loan deposit receipt showing the payment date which matches the deposit date. It also shows that the loan owner says it should be 1-2 days tops. I called the loan company and they said it was cleared on their side and showed deposited. The bank however held it. In addition, to saying my account was negative for " hold '' for a overdraft fee that was refunded. The second occurrence was the weekend of XX/XX/XXXX. The transactions correct order is XX/XX/XXXX XXXX, after-party XX/XX/XXXX and then XXXX XX/XX/XXXX. I have attached the bills to verify this. The transactions were reordered in order to charge fees and a " hold '' was put on funds for transactions that occurred before the payment even ordered. I was also told my an additional {$36.00} fee or more depending on the interpretation of the account. You can see from rhe screenshots they've notated tons of transactions that the account was negative because a transaction that occurred after the transactions being called negative. I've attached everything I can to prove these. This is the just most recent incidence of transaction reordering to obtain more overdraft fees from me as a long time customer and state employee. | ||||||
| 04/15/2017 | Yes |
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| My name is XXXX XXXX. My US federal income tax refund check was set to be directly deposited into my bank account at XXXX in XXXX, Illinois. The amount of the check was {$1100.00}. Unfortunately, my account at XXXX had recently been closed due to fraudulent activity that I had experienced. After that, I chose to not reopen another account at XXXX. But since I knew that my federal income tax refund check was coming directly to XXXX, I asked XXXX if they needed my new address since I had moved after my recent divorce. At that time, XXXX advised me that they would not be forwarding the check to my new address because their bank policy was to return any non-deposited federal income tax checks back to the IRS. Unfortunately, XXXX did not do as they said they would. Instead, when XXXX received my direct-deposit federal tax refund check, they apparently took it upon themselves to cash the check and mail me a bank check directly to my last known address. When doing so, XXXX did not notify me of these transactions so they did not know that I no longer resided at my last known address they had on file. So the check was erroneously mailed to my ex-husband 's home. My ex-husband 's name is XXXX XXXX and he resides at XXXX XXXX XXXX, XXXX, IL XXXX. Without my knowledge or permission, my ex-husband illegally proceeded to take my tax refund check to his own bank in order to cash it for his own personal gain. Unfortunately, he succeeded in illegally cashing my check on XX/XX/2017, by signing only his name to the back of the check, even though my name was clearly stated as the sole payee on the check. The bank at which my ex-husband executed this transaction is U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Today, my attempts to resolve this matter with personnel at U.S. Bank have been completely fruitless, even though they did admit they should never have cashed this check. Instead, they are attempting to place the blame on my bank, XX/XX/XXXX, for erroneously mailing the check to the wrong address. Currently, I am in the process of filing criminal charges with the XXXX Police Department against my ex-husband for his theft of my money. He 's clearly a dishonest person, and I think it is highly unlikely that I will ever get my money back from him. Nevertheless, I firmly believe that U.S. Bank is primarily at fault for allowing my ex-husband to cash my tax refund check without having my signature on it, and without his name even being on the check as a payee. It is my hope that U.S. Bank would reimburse me in full for their error, and then they can worry about pursuing my ex-husband for his criminal deceit. Thank you in advance for your assistance in this matter. | ||||||
| 11/29/2017 | Yes |
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| US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces. | ||||||
| 09/21/2015 | Yes |
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| We were having financial problems and applied for a loan modification with US Bank. The application was processed, but I failed to list a few expenses, so was told by a representative to resubmit. I resubmitted, but was then told I was approved for a repayment plan, which over doubled the payment, and could not reapply until the prior one was closed. I advised I only did what I was told. I ended up having to submit an application approximately XXXX times and each time was told the file was incomplete and closed, yet when I asked what was needed, was told nothing. I had submitted everything necessary. The process took over a year to finally get a result. The last time I resubmitted, the file was denied for rental income on a property that was not listed on my application, nor was referenced with my credit file. I advised this is not my property and there is no rental income. The file was denied, yet again. I spoke with my contact person, who confirmed it had been closed and for a wrong reason. She had also advised them this property was not mine. I emailed the president of US Bank at that time. The following day I receive a call advising to reapply. I told the individual I refused to reapply for the XXXX time, and the error was on their part. He resubmitted the file as it was, and it was then approved. The length of the process cost me excessive attorney fees due to a foreclosure process. I completed the trial plan, and also the modification. A partial claim was filed, which resulted in all the fees and arrearage being rolled into another mortgage. A few months ago, I made a payment over the phone, which the associate from US Bank input the information incorrectly. Results, the payment returned for an incorrect account number. The call for the payment was reviewed, and confirmed the bank made the error, again. Today, I still have a charge on the account for the returned item from the bank error. I have spoken with several people regarding this fee, to only be advised they do not know if they can remove it or not. I explained the fee was not due to my error or returned check, but due to the bank 's error. Still, they would not remove the fee. I have since advised the bank not to call my cell phone, but I still get calls at various times of the day and at times, 2-3 times a day through their dialer. I answer when the calls are received, only to have the bank hang up. Over the life of the loan, I have had the bank refuse my payments when XXXX was due, hang up on me when asking to speak with a supervisor, provide poor service on my account, and now charge me additional fees for their mistake. The end result will be I will lose the home due to these problems. | ||||||
| 07/08/2015 | Yes |
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Web | Servicemember |
| My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. Thanks. | ||||||
| 09/11/2023 | Yes |
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Web | Older American |
| On XX/XX/2023, I went to my local branch of US Bank to pay the full balance of my home equity line of credit ( HELOC ), Account # XXXX. I asked the teller for the precise sum that would pay the loan in full, and was advised the amount was {$19000.00}. As I wrote the check, I asked the teller to confirm the amount once again, which she did. I then gave the check to the teller, got a written receipt, and left the bank with the understanding that the HELOC had been paid off. Despite this, on Saturday, XX/XX/2023, I received a mailed statement from US Bank dated XX/XX/2023, advising that the HELOC still had an unpaid " Principal Balance '' of {$83.00}. Not understanding why, I went to the same branch of that bank on the following Monday, XX/XX/2023, to speak with a bank officer. At the time, I met with an officer named XXXX XXXX XXXX, who -- after doing some investigation over the phone with another US Bank agent -- advised me that the teller had given me the incorrect amount because she hadn't included outstanding interest on the loan. XXXX XXXX further advised that the true amount owing to pay the loan in full was no longer {$83.00}, as set forth in the bank 's XX/XX/2023 statement, but was now {$110.00}, because an additional {$36.00} in interest had accrued on that {$83.00} " Principal Balance '' since XX/XX/XXXX. I protested this additional charge, and the exorbitant interest on that charge, but proceeded to write a check to the bank for {$110.00} merely to avoid further fees. I gave the check to XXXX XXXX on XX/XX/2023, and left the bank. This complaint has nothing to do with XXXX XXXX, who throughout the meeting was sympathetic. It has to do with what I believe are deceitful representations to the public and usurious interest rates being charged by US Bank. I believe there are two problems here. The first is that the bank 's authorized agent, in this case the teller, represented to me that the amount that would satisfy this HELOC in full was $ XXXX, that I relied on that representation by paying that precise sum, and that the bank proceeded to demand XXXX XXXX XXXX XXXX XXXX to pay off the loan. Even if, as XXXX XXXX advised, the teller gave me incorrect information, the bank should be bound by its agent 's mistake. The second problem is that even if I should bear the onus of the teller 's mistake, the bank has no basis for charging an additional {$36.00} in interest on a " Principal Balance '' of {$83.00} for the period XX/XX/2023 ( the date of the bank 's mailed statement ) to XX/XX/2023 ( when I met with XXXX XXXX and paid the amount being demanded ). The effective rate of interest is roughly 1000 %, surely a violation of the usury laws. | ||||||
| 12/07/2023 | Yes |
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| Prior on XX/XX/XXXX of XXXX I received a flyer Solicitation from US bank with A promotional bonus for new opening checking accounts with one of several conditions that come with it. One of the conditions is that no existing of checking or Savings accounts with US bank to be eligible, which I am. Second conditions is that a new money of deposit much from other banks accept any pre existing accounts US bank, which I'm I don't any previous accounts with US bank prior to this promotion My only goal is to go forward with this promotional and get the bous. And one more catching new policy that I can open a new checking account online without the need to go to the branch in person to do it. Raised my curiosity so I was skeptic I decided to give it a try. So on XX/XX/2023 I went online to opened a checking successfully and I have 30 days to fulfilled a new money deposits from my other accounts that is not a prious or existing with US bank. I transfer more than it's required in the next 30 days. The problems that's I find out later of my Denial of my bonus was not even my mistake. It's was the bank AI software Mal function on purposed that the bank not willing to admit .Shames on You. Here is the the listed of problems I encountered when I went online to open an account. After I successfully opened my new bussiness checking acount. After few minutes later or hours the AI software started on its own and created an additional 3 or 4 checking account which included personal checking which I am not authorized. At this time I was not paying attention to these activities I thought it was same account. So my transfered deposit got splits up into these new several accounts accounts. So I called customer service on the phone to reported the problem. They didn't seem to be helpful or knowledgeable and aware about this problem situation that I am going through at this time. They did not give me any advice how to sloved the problem which later on they used this reason against me to denying my bonus. The reason was, when I tried to corrected the problem that the AI software created these additional accounts without my permission. I tried to close these accounts by transferring the money back to the correct account to begin with. And now the bank used this reason against me that is not my mistake. The Bank have theses proof of my statement is true and honest. Phone conversation recorded recorded. AI software tracked recorded of unauthorized open checking accounts. I want my bonus that I deserved Mail to me. I will take further legal action if I have to.this is not going away easy. So I learned from XXXX filed complaints about these deceptive practices. . | ||||||
| 10/17/2023 | Yes |
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| I bought XXXX US Bank Visa Debit Gift Cards at my local grocery store. The amounts of each card were {$490.00}, {$450.00}, {$500.00}, {$500.00}, and {$500.00}. Since the purchase of these XXXX cards I was unable to make any purchases. I called the help number on the back of the cards many times to troubleshoot and each time the service representative stated they could not see any attempted transactions and had no explanation for why my cards would not work. They would confirm that the appropriate amount was still on each card each time I called. Eventually, it was evident that the cards would not work and that XXXX was unable to make them work. They offered to replace the XXXX cards through the mail. The service representative filed the appropriate paperwork to have replacement cards mailed to me. They stated that my original XXXX cards would be disabled at the time of this phone call and would not longer work. I was not offered any tracking number and their was no security on the XXXX replacement cards being mailed through the mail. Essentially, US Bank mailed me ~ {$2500.00} of cash through the mail with no security or tracking number. When the cards arrived I called the number to activate them and set a pin number. XXXX of the XXXX cards had the correct amount ( {$490.00} and {$450.00} ). However, the remaining XXXX cards had the wrong amounts ( {$50.00}, {$200.00}, and {$200.00} ). All three of these cards should have {$500.00} on them. I called the number on the back and was informed that the original cards ( which were not supposed to be active anymore ) had a charge to an unknown account in Washington ( I live in Colorado and have not traveled to Washington ). I was told I would have to file a transaction dispute for all three cards to get my money back. The service representative stated she would do this for me but that I would have to provide a written statement and photos of original receipts and of the original gift cards. She stated I could do this through the online website, through fax or through the mail. I informed the service representative that I was unable to log into the online website with my cards and she stated I would then need to fax the information to them. I asked if they had an email address to facilitate this or if they could help me log into my account. They stated they could not and that I would need to fax them. They also stated that the dispute would take up to 90 days to process. US Bank has defrauded me of {$1000.00} dollars in replacing my gift cards and has only offered me a 90 day dispute claim that can only be processed through fax. I would like an email address to help resolve this issue as fast as possible. | ||||||
| 11/09/2022 | Yes |
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| U.S. Bank ( parent company : U.S. Bancorp ) is not responding to why my loan is delayed and not providing any schedule information. I applied to U.S. Bank for construction loan ( construction-to-mortgage ) and received pre-approval and approval - but then the loan was not issued. I am waiting .. waiting, but the loan never came. I've been approved- but have no loan. When you ask your banker or mortgage officer, they dont know what to say. When searching for the possible reasons for the banks behavior, you will immediately find that it is related to the subject of Mortgage Forbearance, which is a program offered to people who were struggling to make their mortgage payments during the Covid-19 Pandemic. They were allowed to delay their mortgage payments, some up to a year and others even up to 18 months, such that this obviously short-changed the banks revenue. Lack of mortgage payments to lending institutes means lack of replenished funds for new mortgages. But this all follows a schedule. It is even documented by HUD ( attachment ) how the Mortgage Forbearance periods will take place, with end of the forbearance period ending six months after the Covid-19 National Emergency ends. During XX/XX/XXXX, the Covid-19 pandemic was declared over ( President Biden ) . But the forbearance periods are actually staggered, such that many forbearance periods have ended months ago. Anyones new mortgage loan can be considered in the here and now, with the latest possible postponement to XX/XX/XXXX. I am applied with a construction loan which is typically one-third the amount of a regular mortgage. Certainly this follows a different schedule because if it is one-third the amount of a regular mortgage, the time flow could be rightly divided by three ( one-third the delay time ). But U.S. Bank is apparently not saying anything about the forbearance issue to anybody - not to customers nor informing bank managers nor loan officers. All you get is a blank stare from your banker. Why is everybody so left-in-the-dark and not informed why your loan is not being issued? This might be the reason : During the pandemic period, instead of delaying new loans- they loaned out. Instead of stating a normal delay to new mortgage customers, they loaned at the time of their request ( without knowing the consequences ). Right now the bank is so strained with forbearance periods and with the new loans they issued right in the middle of the forbearance periods. No wonder they are speechless ( stunned ). Therefore, Instead of a fair delay-schedule to all new mortgage customers, some people have their mortgage loans right now, while others will be delayed who knows how long? | ||||||
| 02/23/2018 | Yes |
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| XX/XX/XXXX - I sent {$250.00} to my son 's phone # using the embedded XXXX payment feature in the USBank app. XXXX then contacted my son, and because he was not a member of a XXXX partnered bank, instructed him to download and install the XXXX standalone app to initiate receipt of the funds. Which he immediately did, but despite several attempts, XXXX did not complete the transfer and he was not able to receive the funds. My son informed me about the problem, and I contacted XXXX customer service for an explanation. XXXX stated to me two reasons why my son was unable to receive the funds : 1 ) He did not bank with a XXXX partnered bank. 2 ) He did not have a Fast Funds capable debit card. XXXX went on to state that without at least one of those features they would be unable to complete the transfer. But XXXX also assured me that if the funds weren't claimed by the recipient ( my son ), the money would be returned to me within 14 business days. XX/XX/XXXX - After over 2 months now, and despite the fact that my son was never able to claim the {$250.00}, the money has never been returned to my account. During that 2 month period I've contacted XXXX 3 times by phone, spent several hours on the phone with USBank customer service and visited to my local branch twice to speak to the manager and assistant manager about resolving the the issue. Numerous times during my contact with USBank I was assured the funds would be returned, was promised a provisional credit on several occasions, and even credit to be issued directly from the bank branch if necessary. To date, none of those has happened. USBank has ultimately told me that they've investigated the matter and determined the money was sent and received and that their obligation has been satisfied. But whenever I press them to provide me with the tracking documentation that shows the completed transfer, they go quiet with no response. No callbacks from customer service or the branch on that topic. The USBank assistant manager at my local branch made an interesting and telling comment to me during my visit the week of XX/XX/XXXX. He said that in the agreement that partnered financial institutions have with XXXX, it states that XXXX is not responsible for lost funds. That tells me that USBank is attempting cover up a flaw in their relationship with XXXX by having customers foot the bill for lost funds. And I think that is wrong! And probably illegal. Someone with the proper authority needs to look into this ASAP. As a consumer, I feel helpless on this matter. In my view, I was just robbed of {$250.00} by a bank. And with no recourse other than to end my long-standing relationship with USBank. | ||||||
| 04/10/2023 | Yes |
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Web | Older American, Servicemember |
| US Banks failure to disclose the additional Wind and Hail Insurance monthly escrow payments exceeded the income/debt ratio of 28 % for me at the time of closing. That is the ratio used by most banks for loan qualifications unless U.S. Bank has different rules. US Bank failed to disclose any Wind and Hail escrow deposit required at closing costing me an additional escrow payment of {$1700.00} 8 months after closing. Prior to closing I ask several times if the additional wind and hail policy was required by US Bank and was told by XXXX XXXX on more than one occasion that it was not required. He told me that it was not required because my home was not located in a flood zone. I am attaching an email from XXXX XXXX @ US Bank telling me that that the wind and flood insurance is not a requirement. That answer sounded reasonable, so I did not question it after that. That was the end of it as far as myself and US Bank was concerned. However, after realizing the potential risk I decided to purchase the wind and hail policy on my own. I set it up on quarterly payments to allow me time to save up for the payments. I relayed this message to XXXX and told him I would send him a copy of the policy just for the record. I was unaware that he submitted my wind and hail policy to underwriting until about a month ago when I called him and ask what was going on with my increase in payments. This has now caused me to bring into question the trust I thought I could have with US Bank and possibly their intentions to get my loan closed and on the books. I am attaching a copy of the closing statement details on my loan # XXXX. I attempted to resolve the shortage issue with the mortgage department but was denied and sent a letter citing a VA requirement that the funds for the additional insurance had to be held in escrow. I have included a copy of the letter. XXXX XXXX XXXX in the mortgage department is my only contact at U.S. Bank, he was my closing processor. I am attaching a copy of the letter denying my request to not have the wind and hail insurance to be held in escrow, signed Escrow Department. I have included a copy of the letter. I am an active XXXX XXXX XXXX license # XXXX in the state of North Carolina and a retired military veteran with over 22 years on XXXX XXXX. Your assistance in resolving this matter would be greatly appreciated. Encl : ( 1 ) XXXX XXXX email stating wind and hail not required Encl : ( 2 ) Closing statement page 2 from XX/XX/XXXX Encl : ( 3 ) XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX showing Current Payment Plan ; Quarterly Direct Encl : ( 4 ) US Bank denial letter dated XX/XX/XXXX signed escrow department Respectfully, XXXX XXXX XXXX | ||||||
| 02/10/2021 | Yes |
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| As a XXXX XXXX XXXX for 36 years, I am writing to report what I feel are unfair and deceptive acts or practices made by both U.S. Bank. I recently received notification from the banks referenced above that my credit line has been lowered due the reasons listed below : Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Lack of recent installment loan information Amount owed on revolving accounts is too high Time since most recent account opening is too short This deceptive practice is balance chasing which means that instead of freeing up credit, the customer has less available credit due to the lower credit limit. The banks are beginning to engage in this practice to limit their risk by reducing the amount of a particular borrowers available credit. Balance chasing is more likely to occur if the cardholder makes larger payments or may appear to be a high-risk borrower who makes late payments or defaults on other credit cards or loans. An unintended consequence of balance chasing is that even though debt repayment is responsible consumer behavior, it can make it difficult improve a credit score, such a FICO score. Another issue with this is that my credit utilization has increased since the banks reduced my credit line. It has also impacted my credit score making it much more difficult to be approved for credit so that I may consolidate my debt as I have done in the past. It is just a matter of time before I see a rate hike due to this unfair practice. My credit history has been solid, so it is not clear to me as to why there is a lack of recent installment loan information seeing that I had two automobile loans from XXXX XXXX XXXX XXXX and XXXX XXXX and was paid in full on XX/XX/XXXX and XX/XX/XXXX, respectively. Please note that as of XX/XX/XXXX my credit score was XXXX and is currently reporting at XXXX as of XX/XX/XXXX. I have always made my payments in a timely manner and my credit has remained in good standing for many years despite what is stated above. The average age of my accounts is 7 years and 5 months with the oldest account 17 years and 6 months. My newest account was opened recently at a furniture store back on XX/XX/XXXX. I also had two personal loans I took out with XXXX XXXX that were paid in full as of XX/XX/XXXX and XXXX XXXX, XXXX. I understand that the economic conditions have worsened due to the COVID-19 pandemic and that may be a reason for banks showing their reluctance to lend. However, consumers that reflect a solid credit history with favorable credit scores should not be penalized. This appears to be another tactic to raise their interest rates and bottom line. | ||||||
| 02/12/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I assumed a lease with U.S. Bank from an original lessee in MO that originated on XX/XX/XXXX. On XX/XX/XXXX, I was charged for property taxes assessed in the amount of {$1100.00} in the name of the original lessee in MO ; of which I am not the original lessee nor have I ever been a resident of this location. On XX/XX/XXXX, I requested a copy of the original property tax statement, via telephone, showing the taxes assessed in my name. I did not receive a copy of the property tax statement, but I received a copy of the official tax payment receipt eight months later ( printed by U.S. Bank on XX/XX/XXXX ). I contacted the XXXX County MO tax assessor to confirm their property tax laws, of which U.S. Bank did not apply within the Motor Vehicle Lease Assumption Agreement. U.S. Bank should have been attentive to the details of the XXXX County Missouri property tax laws at the time of the lease assumption, informed the original lessee, and noted the forthcoming personal property taxes due from them on the Agreement and as a condition to transfer the lease. I have spent hours on the phone with U.S. Bank in regards to this issue ( since XX/XX/XXXX ) requesting : the official property tax statement, a property tax dispute, a property tax dispute request letter of submission in writing, a property tax dispute denial letter in writing, and the contact information of the tax department and/or the person who determined the dispute to be denied. Only, to be transferred to every other department but the tax department, having no record of the tax dispute denial letter, refusing to provide bank-based contact information of relevant points of contact, and not returning calls or responding to emails. I still to this day, have not received a tax dispute request letter of submission, a tax dispute denial letter, or the contact information of the point of contact who denied the dispute. This property tax dispute has been extremely stressful and unnecessarily time consuming. It has delayed my intentions of getting another vehicle, because of persistently communicating my law abiding argument and my concerns to prevent negative and erroneous credit reporting. As a XXXX veteran, this dispute has affected my health, created a financial burden for transportation to medical appointments, and remains unscrupulously unresolved. As a result of U.S. Banks imposition of predatory lending practices during this dispute, of coercive attempts to accept the responsibility of unlawfully charged and un-owned property taxes, through their actions of deceptive communication including failure to disclose and provide information ; I have contacted legal representation. | ||||||
| 06/21/2017 | Yes |
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| I had Identity Theft on XXXX XXXX whit US BANK in WA. someone start usying my bank acc. online. Frauds people get access to all my accounts like personal and business. I close accounts and opened new one. Banker sad it will be all good. But few days later find out some one use accoute again. I did it several times, and in same time I didnt use online bank, only branch. All this didnt help in my situation. Fraud people had my SSN, address, phone number and my date of birth, and all other info to verafite them self like my. I had tons of equires on credit report. Even up to ten aplication for credit in US BANK, and they ready knows about my situation. Finaly Im stop using US BANK and close all accounts, how I was thinking. I did claims whit banker in branch. It was many of claims, I didnt even count them. Get approvals on claims and some checks for it. I brought all check in same branch and whit banker deposited by accounts what they for. All this in XXXX XXXX. I know, I should have some left balance on some account, like my business credit card. We finded out Two balances left. Its my business credit card and PRIMIER LINE, that how they calling credit line attached to checking account. MIDDLE XXXX XXXX. In middle of XXXX XXXX I paid off balance on PRIMIER LINE About {$2700.00}. and keep paying for mu business credit card. Each mount i get statement for business card, but NON ONE for PRIMIER LINE. I think that was close and done. On XXXX XXXX trying to pay off my business in branch, finded out I HAVE a balance on my PRIMIER LINE abour {$450000.00} and some late fee. From XXXX to XXXX nonone contact me and they had my info, because still own them on my business card. Banker of branch in XXXX, WA tryed help me. But nothing happened. Than manager get in charge. He called to his Boss about my claim and get refuse. Again all that situation come back to me. I did baches of calls to Customer service, just spend hours of my life for nothing. They just transfer and transfer you around and non of them can help, dont have access or power to look and talk about. Sins XXXX to XXXX XXXX XXXX i didnt get ANY letter about progress of investigation or review on my account or case. They spend a time on words. Now that account under collection. When I asked BANK to get me a proof of investigation and result on official paper, they dejected and refused. No explanation. Please help me to review all my accounts and find out where and how was formed balance on PRIMIER LINE. Need to review and investigate all accounts what was Frauded, because they was connected to each other on Online banking and been compromised. I hope you can help me to find the TRUTH. Thank you | ||||||
| 04/05/2018 | Yes |
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| In early XXXX, I received my monthly statement from XXXX XXXX XXXX with a charge called " XXXX XXXX '' for {$100.00}. I was unfamiliar with the charge. When I contacted the credit union to further inquire, they said that they were unable to identify the vendor and had no phone number. They did have a vendor number, which they XXXX. They said that this vendor number is associated with numerous online complaints of fraud, and recommended that I deny the charge. I agreed and they denied the charge for me. On XX/XX/XXXX, I received two letters regarding my XXXX XXXX XXXX XXXX from an organization with the letterhead, " XXXX XXXX ''. The letter had no other identifying information about the name of the business. It said that my automatic payments on my XXXX XXXX XXXX XXXX were being cancelled and that the " payment account relationship '' was being removed from my credit card due to this charge of {$100.00} not being authorized by me. I called the number on the letter and was informed that I needed to pay a {$25.00} late fee and that my account was in suspension. Part of the reason I didn't recognize the charge for {$100.00} was that there was a bill of {$120.00}, but there was a positive balance on my card for about a year for the difference, and so the actual charge was less than the total amount of {$120.00}. My questions are of a general nature. Why wasn't the credit card company required to write me a check for the small balance after many months with a positive balance on the books? More importantly, why is a credit card company allowed to submit an ACH with no further identifying information than " XXXX XXXX '' and no phone number or address? Why does the letter itself not identify the company? This behavior either requires consumers to accept at face value any charge, or pay a penalty for trying to figure out whether fraud has taken place. I recommend that CFPA require better identification on all ACH transfers, including a phone number. I found out on the call that XXXX XXXX is actually Elan Financial Services, a subsidiary of XXXX Bank that services many banks including Fidelity. Fidelity was unable to advocate for me, although they contract with XXXX to manage their card. The person from XXXX who answered the phone said she was a supervisor and was unable to remove the fee or change the way the charge appears on bank statements. When I asked to speak to her supervisor about the latter issue, she said she does not have a supervisor, and that the only person above her is the CEO, who only has an email relationship with her. I am concerned that organizations such of this have inadequate accountability and lack grievance procedures. | ||||||
| 05/29/2019 | Yes |
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Web | Older American |
| I took out a HELOC with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX. It was a predatory loan with a max interest rate of 15.158 % I had a XXXX XXXX and suffered financial difficulties. But I kept up my {$1400.00} payments. At that time I requested a loan modification from Us Bank. I went thru it 3 times with them on my own then I hired a lawyer, big mistake. I went thru loan mod 2 more times with lawyer and tried to litigate Us Bank but judge threw it out because I was not delinquent, so I went delinquent and tried again for a loan mod and was turned down for s different reason that time, too many assets. So I decided to start making payments 1. In XX/XX/XXXX I paid {$10000.00} and then again in XX/XX/XXXX I paid {$10000.00} and have made {$2500.00} or {$3000.00} payments every month. I have checks.Then US Bank started randomly returned some checks some they would keep. I received a 1099INT for {$10000.00} for XXXX and 1099INT for {$22000.00}. I had figured I owed about {$50000.00} in back payments since my last statement showed my payment of {$1300.00} and I was told I was 33 payments behind. I have reached out to US Bank and received nothing but attitude and an inflated amount due., They have sent no statements and have removed my account from online so even though I have sent well over the {$50000.00} I had calculated I owed they returned {$22000.00} kept the rest and when I finally got a printout last week after I slammed them on XXXX, They claim I am {$190000.00} in the rears. That is impossible the loan amount is {$490000.00} with what I have paid that they kept {$32000.00} equal {$220000.00} or 46 % Interest? When I finally got the printout it does not have a running total of interest or total due other then principal. It also shows they have raised my interest rate 9 times without sending me a single notice of change. And the statement does not show what my payment should be anywhere. They are so XXXX up one time when they returned my payment then sent a letter the payment could not post because the account was satisfied, and nothing is due. The last payment of {$1300.00} I made was XXXX. I have paid {$56000.00} since XX/XX/XXXX and they have returned {$23000.00} of my payments I have all the checks. I am 5 months from XXXX and not in the best of health and will not loose my home. I feel they want to foreclose because I have over a XXXX in equity. I had hoped they would show my last 12 moths of payment as on tine and I could refinance and get away from them. The rest of my credit is perfect this is the only derog I have and I take responsibility I should not of listened to the lawyer I know better but I was wishing and praying | ||||||
| 07/15/2023 | Yes |
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| On or about XX/XX/2023 I wrote a check from my business account to pay my landlord for the lease. I personally dropped the check in a XXXX mail box at the XXXX location in XXXX, California. The check was stolen and cashed by some individual over at XXXX XXXX XXXX on or about XX/XX/2023. I found out because I received a call from the fraud department from XXXX XXXX XXXXXXXX. I told them the check was not supposed to have been cashed by anyone other then the intended payee, a business with the name of XXXX XXXX, XXXX who does not bank at XXXX XXXX XXXXXXXX. The fraud department at XXXX XXXX XXXXXXXX told me to file a report with my banking institution XXXX XXXX Bank XXXX ), they also denied any more information as to how, why, when and who cashed the check. I immediately file a claim in person at the local Union Bank MUFG branch located at XXXX XXXX in XXXX California. I was given a few affidavits for both me and my landlord to fill out, have notorized and return to them. XXXX XXXX, the branch manager at Union Bank, handled my claim personally and he gave me and also took back the completed affidavits from both my landlord and my self. I was told to wait 30-60 days for a refund. 60 days passed and there was no refund, no formal communication ( mail or email ) of any kind or news on my claim. I then went back once again to the Union Bank branch to get an update on my case and was told that apparently Union bank had already done everything on their end and was now just waiting to hear back from XXXX XXXX XXXXXXXX, who apparently had another 60 days to resolve the claim and finish their investigation. During those 60 days US Bank acquired Union Bank MUFG. I believe the 60 days were already up this last XX/XX/2023. Up until this day I have not received a refund nor any kind of status or update on my claim. Every time I call to inquiere about my claim Im always given excuses and cant get any update or resolution to my claim. I believe Im entitled to at least a temporary credit of my stolen funds {$2800.00} since I was a victim of fraud and have done everything in my power to facilitate the banking institutions investigations. XXXX XXXX XXXX should not have accepted a check that was clearly written out with a payee that is a business banking somewhere else, a check that was not addressed to one of their customers and Union Bank shouldnt have release my funds to anyone else other than the intended payee who was clearly written on the check. Both banking institutions, XXXX XXXX XXXXXXXX and Union Bank needed to do their due diligence on checking the identity of the person cashing the check in order to prevent fraud as a normal business practice. | ||||||
| 01/20/2022 | Yes |
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| I am visiting from XXXX, and wanted to purchase a prepaid XXXX card to make a online retail purchase, as the retailer does not accept credit cards that do not have a XXXX billing address. On XX/XX/XXXX, I purchased {$100.00} on a variable amount prepaid XXXX gift Card from XXXX # XXXX in XXXX XXXX, CA at XXXX am PST. The card is issued by U.S. Bank National Association. The tab covering the XXXX digit number was intact, and the cashier gave me an Activation slip showing the card was " activated '', and had a {$100.00} balance. I went to the card provided website to register the card, and after XXXX or more attempts to register the card, I was directed to call the website. After waiting for XXXX minutes to speak to an agent, I was told that someone had tried to use the number on my card on XX/XX/XXXX, XXXX days PRIOR to my purchase, and my card was no longer active. The card could not be reactivated for me to use, and my ONLY RECOURSE is to have a new card mailed to me within XXXX business days to the XXXX address where I am staying. I am returning to XXXX on XX/XX/XXXX, and the issuing institution is '' unable '' to either provide me with a new card number over the phone for me to use online immediately, or expedite sending me the new card prior to me returning to XXXX, as " their courier can not guarantee delivery from XXXX, FL within XXXX days due to the holiday ''. The card can not be used outside of the XXXX, so I can not have it sent to XXXX to be used there. I essentially have lost {$100.00} XXXX ( {$100.00} plus the {$5.00} activation fee ) as I can't make the purchase I intended prior to returning to XXXX, and I won't be at the address they are sending the new card to use it. The fraud in my situation is not that someone tried to make a purchase with the number on the card I selected prior to being purchased. The fraud was committed when the issuing institution, U.S.Bank National Association, allowed the retailer ( XXXX # XXXX ) to accept payment and provide an " Activation Status Receipt ", knowing the purchaser would NOT be able to use the card until they called the issuing institution to find out why the card didn't work. The issuing institution is essentially stealing my money for XXXX days, and charging me a fee of {$5.00} to earn interest on my money while I wait for them to return the stolen funds. If I had not call them, but tried to use the card at an in person retailer or restaurant, I could have faced humiliation, embarrassment, or even legal consequences as the card I expected to be " Activated ", ( I wasprovided me with a " Activation receipt " ), would have been rejected, and perhaps had no other funds to pay. | ||||||
| 05/04/2015 | Yes |
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| On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the XXXX time ; by which U.S. Bank, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with U.S. Bank that could possible yield to any potential wrong doing on their behalf. Since U.S. Bank fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why U.S. Bank needed to confiscate all my belongings without returning them is due in part that U.S. Bank could not turn around and request the courts to issue an eviction notice when it was U.S. Bank 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX! With that being said, all evidence clearly indicates how U.S. Bank only contracted XXXX with the sole purpose in mind was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX emptied out my home I would be without a justifiable defense to refute any mortgage documentation presented by U.S. Bank as being authentic. As a result, U.S. Bank, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent XXXX of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notaryXXXX, along with complaint ( s ) against XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by U.S. Bank were not documents prepared or presented for me to view and sign for at closing on the behalf of their notary [ XXXX ]. With that being said, I request for U.S. Bank, via the CFPB, to explain to me in detail why a ) did U.S. Bank intentionally and maliciously commit fraud by fabricating my loan documents with fraudalent signatures ; and b ) if U.S. Bank proclaims that they did not commit fraud by forging my signatures to mortgage documents for them to explain to me in detail the who, what, when, where of HOW U.S. Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing XXXX XXXX ] that contridicts documentation U.S. Bank presented as being a part of my " original '' loan packet! | ||||||
| 06/27/2018 | Yes |
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| I have fixed rate mortgage with US Bank with principal and interest payment of XXXX per month. In XX/XX/XXXX, US Bank stopped accepting this payment as they did not apply the checks we sent. Apparently, US Bank decided that my payment should now be XXXX monthly and therefore did not accept this payment. They were billing me for escrow even though I always pay my own taxes and insurance. We have tried for the past year to get this rectified by working with US Bank directly. ( Note that this happened to us one year prior and we were able to resolve by dealing directly with US Bank ). There were many phone conversations between my wife and US Bank over this past year where the situation was explained and they would tell us to send a payment XXXX for each month that was not applied and the problem would be resolved. We did many times send the agreed amount and US Bank would take the money and then post the amount back into our account 10 days later. I am attaching screenshot from my bank account which show the US Bank taking payment from our account and another attachment which shows them returning payment several days later. Most of the time, these payments were made as a result of phone conversations that my wife had with US Bank representatives and this was mutually agreed amount. In some cases, we did get some followup emails from the US Bank representatives which I will attach to this complaint. In the attachment fromXX/XX/XXXX - US Bank asked us to send a check for XXXX of which XXXX will be applied to the past mortgage ( principal & interest ) and there will be a refund of XXXX. As I write this complaint, we have still NOT received this refund. Furthermore, we received additional emails from US Bank stating that our loan is in foreclosure or loss mitigation - please see the attached email from XX/XX/XXXX. At this point, all we are interested in doing is paying off the mortgage and get out from this nightmare! We do not feel we should be held accountable for any late fees or penalties because we acted in good faith continually through this process. These practices by this institution seem very predatory and I can not believe they are legal? We have acted in good faith in trying to get this matter resolved directly with US Bank but this seems impossible. We are ready to borrow against my 401K to pay off the loan. This has caused an unbelievable amount of stress for me personally and my family of nine. My health is suffering because of this, I can not sleep at night and my wife and I argue consistently about this. We fear greatly that our home will be snatched from us by these practices instituted by US Bank. Please help us! | ||||||
| 07/17/2020 | Yes |
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| US Bank will not send a release from the loan. Loan was for boat, trailer, boat motor, complete package. Loan was in XXXX. Loan was paid back in XXXX. Release was sent to me from the bank in XXXX. The released listed the Boat, the boat again, and the motor. That's right, the boat was listed twice but no trailer listed at all. The boat, trailer, motor was used yearly until 10 years ago when it was placed in storage. When removed from storage the trailer tabs could not be purchased because US Bank had a lean on the trailer. I have contacted USBank 5 Times on the problem. Each time they understood the problem and promised to send a release on the TRAILER. Two times USBank sent a release on the BOAT. Two times they promised they would send the release and call back in three days to confirm its on the way. The calls where not even returned. USBank has the original purchase documents which they say shows the complete package. They have read it to me. I have the title for the boat. I have the release for the boat, BOAT again, and the motor. Here are my contact notes with USBank. US BANK XXXX in CREDIT SPECIALEST, XXXX of XXXX. I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! Will take 3 weeks. XXXX XXXX press XXXX. US BANK Release came through for boat not trailer. Spoke again to USB, to XXXX XX/XX/XXXX. XXXX VIN Number : XXXX Frame : XXXX Model Year : XXXX XXXX he resubmitted the loan release. I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! Release was sent for BOAT again on XX/XX/XXXX. US BANK account : XXXX checking. Spoke again USB, to XXXX XX/XX/XXXX. Says he does not have trailer VIN ... only has boat Vin. I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! He Resubmitted again with trailer Vin. Says call : XXXX press XXXX than XXXX, than XXXX. He will monitor for loan peoples response for three days and then call. US Bank No returned call, no release arrived at all. Spoke again USB, to XXXX XX/XX/XXXX. Internal lending service department has to find the trailer. She said process was not done correctly and would do it differently. Can call her. I made several emphatic indications that the release needed was NOT for boat but needed for the trailer! She will monitor for loan peoples response for three days and then call. US Bank No returned call, no release arrived at all. Spoke again USB, to XXXX XX/XX/XXXX. Waited again 30 minutes to talk to someone and now XXXX says " he can't help me '', " I have the wrong department ''. | ||||||
| 11/14/2016 | Yes |
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| US Bank continues to honor fraudulent money orders and will not close our business account. Our office was broken into twice, checks and money orders were stolen, the money orders were already cashed using US Banks product Single Point Scanning system where checks and money orders are scanned into their system rather than doing a manual deposit at a local bank. I have written US Bank a XXXX page letter asking them to stop honoring the fraudulent money orders and they tell me that they have to continue to honor them because they are US Postal money orders which requires them to honor the money orders even though they know they are fraudulent. There have been XXXX arrests in this case due to my due diligence in investigating the break in and finding the suspects. I am working with our local postal inspector, and Sheriff Department as well as local police. One of the suspects was arrested in XXXX, and I have been asked to appear in XXXX in XXXX to give a victim statement at the sentencing hearing. The other XXXX suspects court appearances are being scheduled and I am required to be present there as well. I will be happy to send you all the documents related to this fraud case, including the letter I wrote to US Bank and the response I got from US Bank. I was told by my US Bank representative that this was unprecedented and that the bank does not know how to handle this issue, so they decided to fall back on normal bank rules and regulations rather than work to correct this issue. My insurance company is completely stumped and can not understand why a bank would continue to honor what they know are fraudulent money orders and are considering not paying the claim because there is a continuous stream of money orders coming in weekly. US Bank told me that once the account is 30 days past due they will close the account and no more would be honored, so I thought it was over and my insurance company would then pay the claim, but without warning US Bank took money out of our other account to balance out and continue to honor the fraudulent money orders. So now I am back to square one, watching the money stack up and I ca n't do anything about it, my insurance company has hired an independent investigator to look into this issue and the bank is being uncooperative with him, he just wants to find out why and maybe the insurance company will then honor the claim. This is a very long and painful problem and I do n't know what to do at this point. If the bank wo n't give me the money back, and the insurance company ca n't pay because of the bank 's actions I may have to close my business because there is no way I can pay $ XXXX back. I need help. | ||||||
| 07/03/2023 | Yes |
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| I have had a HELOC with US Bank for 3+ years, during which time I have never paid late or had an issue. My previous debt with them was paid in-full shortly after opening the account. I drew on my account more recently, and found the process overly confusing and riddled with fees. A mistake in configuration of my bank accounts caused a payment ( on AutoPay ) to be returned. Autopay functionality was removed from my account at that point. I can now only make manual payments using specific $ amounts ( no pay-in-full option ). I tried to pay the amount in full a few times, but continued being hit with late fees for incorrectly calculating my outstanding balance. Each time I carried a balance and missed a payment I was hit with a new Late Charge due to AutoPay being disabled. On XX/XX/XXXX I called US Bank for the last time to receive a Payoff Quote and pay my full balance. I was quoted {$500.00} and made an immediate payment in that amount to fulfill my debt. On XX/XX/XXXX I received a notice in the mail that my account was in Default. I logged in and saw that I'd continued receiving late charges of {$29.00} each for the months of XXXX & XXXX. When I called I was told that the amount that I paid was incorrect for the time ( true principal was ( {$510.00}, a difference of {$3.00} ) and that it would have been my responsibility to know this and pay this amount in full. I was also told that payoff quotes should not be given over the phone, and are only valid if received in writing within 15 days. I was not aware of this process or had any reason to believe it to be the case. I have attempted to dispute this claim for two reasons : 1 ) I paid the amount I was quoted by a US Bank representative, and therefore should have no further obligation to them. 2 ) If there was a question of a miscalculation, I would begrudgingly pay the difference ( {$3.00} ) but to hold me responsible for interest & fees on the difference feels exceptionally unfair. While my case is much less dire than what people truly struggling with their finances go through every day, to me it highlights how dishonest and consumer hostile these practices are, and how quickly someone could lose their entire house or belongings due to these deceptive practices. As of today, while my request is still pending review by US Bank, I requested a PayOff Quote through their system and paid the amount in-full online. I am hopeful that if my request is denied and I am offered no-further remediation from them, this PayOff will put me in good standing with them so that I can put the issue behind me, although I will not hold my breath that either will be successful. | ||||||
| 01/04/2022 | Yes |
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| Timeline of US Bank involuntarily closing my checking account ( last 4 digits XXXX ). XX/XX/2021 - Deposited 2 checks in US Bank from my son in law, XXXX and my daughter XXXX. The money was proceeds from a sale of a house. Check amounts {$92000.00} and {$15000.00} Unknown date - Logged into US Bank to see if the funds were available and saw message Our system is temporarily unable to display this information. Please try again. Checks were returned XX/XX/2021 and {$38.00} return check fee. Called XXXX to see what was up with the checks and after researching it saw that he used out dated XXXX checks that had the old routing number on them. On XX/XX/XXXX, XXXX changed partner banks from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Due to this partnership, the routing number was changed to XXXX from XXXX. XXXX didn't realize the checks had the older and no longer valid routing number. See https : XXXX XX/XX/2021 I went to the XXXX XXXX branch and spoke to XXXX XXXX to close the account and get the remaining balance of {$9800.00}. She said I could not close the account and the bank would close it and US Bank would give me my money on XX/XX/2021. She sent an email to the Deposit Risk department that only bank branches are allowed to contact She said to call the Fraud department at XXXX ( wrong number ). I called her to ask for the correct number. She said it was XXXX ( wrong number ). Called again and asked for the correct number which she finally gave as XXXX ( correct number ). She called me in the afternoon and said I needed to call my branch in XXXX XXXX, ID where I opened my account. Spoke with XXXX at XXXX. He said that the main office said he could give me the money but didnt know the exact balance so he refused. He had a rude attitude Called my son in law and asked him to call XXXX. He called him and explained that he was the one to make the mistake. XXXX offered to forward over documentation that his XXXX account had more than enough funds to cover the checks and the mistake was a routing number that had changed on this account. XXXX said he would look into it and call XXXX back. XXXX never called back and no more updates have been received by him. I completed a form on XXXX XXXX. XX/XX/2021 - XXXX XXXX XXXX XXXX called and said I should contact the Consumer Financial Protection Bureau and send him these details. I'm attaching the evidence : * Deposit receipt * Copy of one of the checks from XXXX 's XXXX account * 2 letters from US Bank " RE : A hold has been placed on your account ending in XXXX '' * Ledger from XXXX 's account showing his account balance had enough funds XX/XX/2021 the date of the deposit. | ||||||
| 11/08/2019 | Yes |
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| On or about XX/XX/XXXX, I tried to open an account with XXXX XXXX in Texas. I was told by the officer that I could not open an account because I owed money to US Bank. The officer told me the exact amount owed to US Bank ( {$74.00} ). I called US Bank and was directed to the recovery department. That department told me about charges in a closed account. I told them that I was not aware of these charges. I asked them to send me a copy of the statement that contained these charges. After I received a copy of the statement, the statement showed that the account had been closed on XX/XX/XXXX and the balance was XXXX. And, the statement showed that there was a debit card transaction on XX/XX/XXXX to which I knew the merchant did not first obtain an authorization from US Bank. If the merchant had first obtained an authorization from US Bank, it would have been denied. The statement showed on overdraft fee and also showed a fee on the account which was NOT listed as a fee on the schedule of fees at the time I opened the account. When I opened the account, I was provided with " Your Deposit Account Agreement '' and with " Consumer Pricing Information ''. I consulted these two booklets and I believe that I have a strong legal case against US Bank. I called the recovery department of US Bank and thanked them for sending me a copy of the statement showing the charges. I was then asked if I was ready to pay for the charges that were due. I said no and stated that I had reviewed the terms of the Deposit Account Agreement and Pricing Information that had been provided me at the time of opening the account and I do not believe the charged are valid. The person in the recovery department said that it was not the correct department to dispute these charges. They directed me to contact the person who opened the account. I still had the business card of the person ( XXXX XXXX ) who opened the account and I called that person on XX/XX/XXXX. That person said that the branch manager was not there that day and that I would have to call the branch manager on XX/XX/XXXX. I called the branch manager ( XXXX XXXX ) on XX/XX/XXXX and she stated that the account was closed and 60 days had expired since the account was closed and therefore I had no right to dispute the charges. I explained to her that I had previously called the recovery department of US Bank and they were asking me to pay the charges. I told her that I believed that I had a legal right under federal law to dispute the charges and that the recovery department of US Bank had directed me to her to discuss the charges. She again restated her claim that I had NO legal right to dispute the charges. | ||||||
| 08/10/2015 | Yes |
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| I CLOSED MY BANK ACCOUNTS WITH U.S. BANK 2 MONTHS AGO. THEY SENT ME A LETTER STATING THAT THEY CLOSED MY ACCOUNTS. IN THE MEAN TIME, THEY RECEIVED MY SOCIAL SECURITY CHECK AND WILL NOT RETURN IT. I FILED COMPLAINTS WITH THE BANKING INDUSTRY AND THE XXXX. I ALSO ASKED THAT U.S. BANK NO LONGER CONTACT ME. U.S. BANK CONTINUES TO CONTACT ME. THEY SENT ME A BANKING STATEMENT LAST WEEK AND THE FOLLOWING TODAY : View this email as a Web page. View our Security Policies. U.S. Bank ( R ) U.S. Bank ( R ) Action : Your primary email address has been changed. Date : XX/XX/2015For your protection, U.S. Bank automatically alerts customers when personal information changes on our systems. If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX XXXX ( XXXX ). Please do not reply to this message. To confirm that U.S. Bank delivered this Alert, access the Alerts link within Online Banking, select Security Alerts and view Alert History. Online Banking customers can receive other important account activity alerts, like low balances, when payments are due and much more -- all for free. Sign up or learn more today at usbank.com/bankonline. Find us on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Bank MobileXXXXBranch XXXX ( XXXX XXXX U.S. Bank Mobile1. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges. EMAIL SECURITY INFORMATIONEMAIL SECURITY INFORMATIONEmail intended for : XXXXXXXXXXXX your privacy is our priority. We 'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXXXXXXXXXX or call U.S. Bank Customer Service immediately at XXXX ( XXXX ). Get more details about recognizing online fraud issues. Note : If you 'd rather not follow links from this email, you can access information on all U.S. Bank products and services at XXXX. To ensure that you continue to receive email from us, please add us to your Address Book ( XXXXXXXXXXXX ). Thank you. You are receiving this message as a service to your account because you are enrolled in Online Banking. U.S. Bank automatically alerts customers when personal information changes on our systems. View the U.S. Bank Privacy Pledge. U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( C ) XX/XX/2015 U.S. Bank, N | ||||||
| 06/17/2015 | Yes |
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| I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. I respectfully thank you for your time. | ||||||
| 07/06/2022 | Yes |
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| First of all, none of the provided categories fit my specific situation so I picked the closet possible choices but my issue is actually about a sign up bonus for opening a business checking account at US Bank. It's a bit of a long story so I will try to accurately describe the situation while keeping it concise and easy to follow. I opened a business checking account ( as sole proprietorship/a DBA ) based on a promo offer some time in early XX/XX/XXXX ( promo was a {$300.00} bonus after depositing {$3000.00} within 30 days etc. ). Here is an example of their current offer : https : //www.usbank.com/splash/business-checking/online-banking-bonus.html # : ~ : text=Earn % 20your % 20 % 24300 % 20Business % 20Checking, and % 207 % 2F29 % 2F2022. ( note that promos like this change from time to time so mine was slightly different from this one ). Anyhow, when I tried to transfer money from an external checking account to US Bank checking to meet the minimum balance requirement for this promo, I ran into roadblocks ; for some reasons I couldn't do it online via the online portal. I reached out to customer service email, who responded with an explanation and some instructions etc. but it didn't resolve my issue when I followed their advice. I then called US Bank and spoke to a nice gentleman, who explained why I was having the issue and advised me to use XXXX. He was showing me step by step on how to use XXXX and together we successfully had the money sent from my external checking account to US Bank via XXXX. I considered I met the minimum balance for the promo and moved on with my life. Months later when I didn't see a bonus hitting the account, in XX/XX/XXXX, I decided to reach out to US Bank customer service first via email then made phone calls. Basically I learned that XXXX is not a qualifying deposit as the terms of the promo said new money deposits have to be Direct, Mobile, ACH or Wires and XXXX is not a deposit or they can not accept a XXXX transfer as new fund ; hence, no bonus for me. I was really frustrated because besides the fact that I didn't get my bonus, I also got different explanations every time I spoke to their reps. Each rep gave a different reason as to why I couldn't do a deposit online ( which would have been ACH - a qualifying deposit ), which led to the use of XXXX ( which was their advice ) and because of that I didn't meet the bonus requirement. Some reps show no empathy such as a banker at a local brand said " well you could have done a wire or direct deposit, it's not that hard. You didn't have to use XXXX ''. I will attach copies of my correspondences to their online customer service. | ||||||
| 01/27/2023 | Yes |
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| Four Visa prepaid debit cards were purchased for my personal use at XXXX grocery store around XX/XX/2022. Each card was initially loaded with {$500.00}. Shortly after purchase I registered and activated the cards at XXXX At or around XX/XX/XXXX I tried to use the cards at XXXX and the cards did not work. At this time I called the number on the back of the card and spoke to a representative. The customer service representative said that the card was potentially compromised and a new card would be issued. I verified my personal information including address with the rep and she said a new card would be sent out and arrive within 1-2 weeks. I repeated this process for all 4 cards. The four replacement cards never arrived after 3-4 weeks, so I called in again. The rep said that the cards may have been lost in the mail and that new replacement cards would be sent again. Again I had to make this same call four separate times for each card. After another 3-4 weeks passed, I had yet to receive any of the cards so I called in again. The rep again said the cards might have been lost in the mail and that she would need to replace a second time. At this point I did not believe these cards were lost in the mail as the likelihood of this happening 8 times is extremely small. On all four separate calls with customer service support I asked to speak to a supervisor - and all four times I was told they were either on break or busy with another customer. The rep each time assured me this would not happen again and processed a replacement for me. I had to repeat this phone call 4 times ( they can't process more than one card at a time ) Amazingly, after another 3-4 weeks these cards again never arrived. At this point my frustration is through the roof and I called about 2 of the cards. The rep for each card said that it would be best to change my address on file to see if the cards will arrive at a new address. For these two cards I updated my address to a XXXX box I own. I received a change of address form in the mail but after 3-4 weeks the replacement cards still haven't shown up. Over 3 months have passed since the original purchase of the 4 {$500.00} cards and I've attempted to replace 2 of the cards 4 separate times and the other 2 cards 3 different times and nothing is working. I believe I have gone above and beyond to attempt to resolve this with the company and I would appreciate any help to resolve this matter. I can provide all card # 's when necessary. I still have they original 4 physical cards in my possession. Ultimately I would either like these cards activated so that I can use or 4 new cards to be actually sent to me. | ||||||
| 08/20/2020 | Yes |
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| Im filing a complaint against US Bank Leasing for increasing the dealer payoff of an automobile lease nearly {$6000.00} to a dealer where I was trading in my car. I had a consumer automobile closed-end lease through US Bank on a XXXX XXXX I purchased in XXXX. I have been working with XXXX XXXX XXXX to trade the car for a new XXXX XXXX to reduce my monthly payment. I still had 5 more payments left on the lease, so I called US Bank to get the amount of the payoff. It took several calls, but I finally got a payoff quote of {$25000.00} on XX/XX/XXXX. I went into XXXX XXXX XXXX on XX/XX/XXXX to sign the paperwork and purchase the new car. When the XXXX XXXX dealership called US Bank to get the exact amount, they were told that the payoff would be {$31000.00}. This was a shock to me and to the finance people at XXXX XXXX! The dealer called several other people in US Banks lease department and was told the same thing. US Bank said that the car was valuable, so they werent willing to let the lease be paid off for the {$25000.00} left owing on the lease. They admitted on the phone that they just wanted to make more money. I was stunned! I thought payoff amounts were regulated and required to be accurate. The agreement is a closed-end lease through a bank. US Bank is the lender and should have no right to inflate the payoff or retail a car unless it has been repossessed. To resolve the issue, US Bank told me I would have to pay off the loan myself and wait for them to send the title before I could trade in the car. Paying off the lease myself required me to borrow the {$25000.00} for several weeks until they sent the title. In addition, their payoff included {$1700.00} in Utah State sales tax which would not be included in a typical dealer trade in since Utah sales tax is included in the new car purchase. So now Im paying sales tax twice! I have never been late on a payment! And with all the current financial problems COVID 19 is causing, US Bank is intentionally increasing the cost of my new car which reduces the benefit of buying a less expensive car to reduce my monthly payment. Absolutely appalling! I am filing a formal complaint because US Banks practice of inflating lease payoffs to dealers should not be allowed under a closed-end lease agreement. If it is legal for them to do that, it certainly isnt ethical. They are in essence charging me either {$1700.00} extra in sales tax or {$6000.00} extra to the dealership where I am trading in the new car. There are 4 attachments : 1 ) Copy of the original lease, 2 ) Explanation of lease payoff request from the dealer, 3 ) Lease payoff form to dealer, 4 ) Lease payoff form to me, | ||||||
| 02/02/2018 | Yes |
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| I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake. | ||||||
| 05/03/2018 | Yes |
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| My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. In reviewing the dates reported 30 days late XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XXXX and XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed. I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency. After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received. | ||||||
| 11/23/2020 | Yes |
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| Hello, and thank you for your help in advance. I sent a complaint XX/XX/2020 to you regarding fraudulent activity on my US Bank Reliacard. You replied to my complaint and let me know that US Bank is working on this issue as of XX/XX/2020. I still have not heard from them. ( Complaint ID XXXX ). I have a new issue to report. They finally released the {$4400.00} that was on my new card to me on Friday XX/XX/2020. This was Unemployment money that was building up on the card while it was on hold, pending Identity Verification. I was advised by Reliacard to take the money off the card as soon as possible, due to the high level of fraud on these cards. I immediately went to the ATM, withdrew {$500.00}. Then, went to my bank, had the bank employee transfer {$1000.00} to my checking account ( Daily Limit of {$1000.00} per transfer ). This brought the balance down to {$2.00}, XXXX. Plan to do this daily until all the money was transferred. On Sunday, I went to the ATM, to try and withdraw additional money. Checked the balance first, and noticed there was {$2000.00} missing, again. I tried to withdraw money, " Amount entered will exceed the daily limit ''. I immediately called US BankReliacard. I spoke to a Supervisor, XXXX. They will again send me fraud paperwork. She, for the first time ever, asked me for my email address. The email she had on my account was XXXX or XXXX. She didn't save it, too late to verify exactly. So, the name attached to this fraud is again XXXX XXXX, she lives in XXXX. We also have a phone number and home address, as well as her last 5 or 6 addresses. I am continuing to investigate this on my own. Today,, I went to my bank, and they transferred {$900.00} from my card to my personal bank account. There is actually {$1.00} on the card as of right now. Additionally, I have never been able to open an online account with US Bank. Apparently, this person I mentioned earlier had an account all along, using my information with her email address. I provided my email address to the Supervisor yesterday. She was stunned, and admitted to me that this is apparently how these 3 fraudulent transactions occurred. The daily limit to withdraw funds by computer is {$2000.00}. Thank you again for helping me. I have contacted the police, and will again file a police report. I am waiting for a call back from them. This fraudulent transfer of funds was at XXXX XXXX on Saturday, XX/XX/2020. It was done by computer. This information was given to me by the Supervisor at Reliacard. Sincerely, XXXX XXXX XXXX Sincerely, So, now she has stolen {$6000.00}. I am on my last week of unemployment, actively looking for work. | ||||||
| 04/26/2022 | Yes |
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| I bank with USBank. On XX/XX/XXXX, I fell for a XXXX scam. I received the usual fraud text from usbank and missed calls from the usbank XXXX number. I did answer and they were very professional and identified themselves as usbank and I had no reason to not believe them since they were calling from usbank. They had me verify the last 4 of my ssn and dob- just like usbank and told me they would help reverse the fraud charge. They sent me a code to put into the XXXX app through the usbank app which was actually a phone number, and I inadvertently sent XXXX to a scammer. I immediately filed a dispute and that was denied on XX/XX/XXXX. I called again and reopened the dispute on XX/XX/XXXX, only to have it denied again on XXXX. On XXXX, I opened the XXXX app to look at that transaction. Usbank immediately locked my online account and shut off any access and closed my debit card. XXXX with the efraud dept called me and spoke horribly to meshe kept asking me what I was trying to do in the app and asking why I would send more money to a number that they had flagged as fraud. I finally asked her if she thought I was part of the scam and her answer was I dont know what you do with your life. She told me to drive to my nearest branch ( 45 min away ) and have them call her. She then proceeded to speak horribly about me to the banker that was working. They escalated to the local branch manager. She called me and assured me a return call that day. She didnt return my call until the next Wednesdayall while my account was blocked. Her name is XXXX XXXX in XXXX XXXX, IA. When I finally spoke to her she said the only way for me to gain access to my banking would be for me to close that account and open a new account. But I have several bill pay items that go out each Friday and they say there is no way to stop them from going out. The only option is to close my account and acquire the fees from the many companies that my payments go to. So not only am I out the original {$940.00}, countless hours on the phone, a 45 min drive to a branch, now I will be out the many fees from sending out bill pays on a closed account. Not to mention the way I was treated by usbank from the start of the scam. I was never treated like the victim that I am, but in turn treated as the scammer. Its very frustrating to not be the one doing something wrong, yet being punished for it. Usbank knows the financial institution that the money was sent to. I know the phone number that it was sent to and a first name of the person. The phone number is still currently working. Yet nothing is being done to pursue anything against this person and/or persons. Please help me!! | ||||||
| 04/07/2020 | Yes |
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| The first incident happened back in XX/XX/XXXX with a credit repair service named XXXX XXXX. They charged my card {$72.00} and didn't render the services they claimed they would do. I contacted XXXX XXXX and disputed the charge and was told that it would take 180 days to resolve the problem. After 30 days I called to inquire about an update of what was going on with the investigation. I was then told that they were awaiting a response from the company in question and that I needed to wait another 30 days. After 60 days I received a letter in the mail and it stated they were still working on my case. Another 30 days passed and I called and spoke with a CSR, I was told if they didn't hear from the company in question that my card would be refunded the {$72.00} byXX/XX/XXXX which would be the 180 days of wait time. I contacted XXXX XXXX last week, XX/XX/XXXX, and was informed that the case was closed and I would not receive m refund because it was shown that I received the goods from the company. I asked them what goods did I receive because it wasn't anything of goods that was purchased it was serviced and I never received those services and why wasn't I sent any correspondence stating what was going on and that a decision was made? I was led on for month after month and then nothing was done to give me my money back from being defrauded. Next problem was the fact that I'd cancelled a payment to XXXX on XX/XX/XXXX shortly after initiating it and the website states if a payment is cancelled before XXXX the money would be return to the card immediately. After contacting the customer service department more than 5 times all being told something different and now a week later my money still has not been returned. The amount of that transaction was {$190.00}. Now, today, XX/XX/XXXX I checked my account to see if my money was returned and still nothing yet a new problem pops up. I discovered that a fraudulant charge for {$39.00} has been applied from my card, I immediately called the company and was told that I have to wait 3 days until the payment has been processed and I would have to call back to dispute this charge and then I would have to wait 180 days before I will receive my money back on my card. I told the lady to cancel the card, immediately, I went on the unemployment site and updated my payment information and stopped them from sending any further payments to this company. There's a recording that comes on in the beginning of the call and it states that each call is being recorded, therefore the call records can be pulled and reviewed as well as all contacts I've made with this company should be documented as well. | ||||||
| 07/13/2022 | Yes |
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| Last month I had been going through a scam situation in which I thought I was transferring money for a professor from the XXXX XXXX XXXX who was across seas to a foster home that was in need, this transfer was made via XXXX. Originally the request was that I would personally purchase and mail items to the foster homes, the scammer told me that due to covid protocol the home did not want me sending things and instead send the money so their staff could make the purchases. I had been talking with this person for about two weeks on what items the foster home needed and when they would need it by. It had turned out this professors information had been compromised and it was not really him that I was doing this for but a scammer. He called me after the transfer and the voice on the phone threw me off and I realized it was a scam. As soon as I realized this I filed a police report and contacted the bank in XXXX Idaho. The bank manager told me I was liable for all the charges and there was no fraud protection. When I asked her if there was anything I can do she said she would get back to me. She never did. I called a again a few days later and was told she was in a meeting and would call me back. She never did. I went into the branch twice and she would not even show her face. I tried to work on doing a settlement so that I would not be liable for as much and she would not allow it saying it would go on my credit report and had a teller tell me that so that she did not have to talk directly to me. I had to open a new account which was recently closed the day after I wrote a bad review on XXXX for her. After almost a month they closed my savings and my new account, but left the one that was scammed open. They still have not said a single word to me. US Bank had never warned people of the risks of using XXXX, they never disclosed that it was unsecure and not protected. They forced every single person with a bank account there into having it without warning people. The total amount I was scammed for was {$3500.00}. I'm a poor college XXXX that was trying to do a good thing and I am being treated like I am a bad person that deserves to suffer from the bank manager. I filed a police report, reported it to the school, who refused to warn other students of the scam. I'm actively doing everything I can to warn people of what happened. According to the officer there were three people who's accounts were compromised and no one I warning students of what has happened. I do not want this to happen to anyone else. I want the bank to take responsibility for using an unsecured service that they didn't warn the people forced into it about. | ||||||
| 12/06/2020 | Yes |
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| I have made a complaint concerning this already, but US Bank did not do its due diligence in investigating the matter. Specifically, no one over there seems to be able to look at the BILL PAYER side of things. If someone can actually access that portion of their system, they will immediately see that what I'm saying is true. To reiterate and expand upon my complaint : On XX/XX/2020, I tried to send {$250.00} to a specific credit card I have with XXXX XXXX XXXX. When I clicked to complete the transaction, I got a message saying it failed. I immediately tried to do it again. It failed again. That was in the very early hours of the morning ( likely between XXXX XXXX and XXXX XXXX EST ). I planned on trying again later, but before I got the chance, {$250.00} came out of my account at XXXX XXXX EST. I didn't authorize that. Moreover, the transaction did NOT show up on the bill payer side. I waited a number of days to see if the money would make its way to the correct destination, but it never did. I contacted XXXX XXXX XXXX about this. They sent a letter confirming that the money is NOT in their system. This next part is important because it confirms this is a US Bank issue. Exactly one week later on XX/XX/2020, the BILL PAYER side of the system tried to take out {$250.00} and send it to the same credit card. Once again, the attempt failed. Nothing changed on the " Activity '' side of the US Bank card. The letter I previously received from US Bank says their systems indicate the amount was debited from my account, but that does NOT address the issue. I can see that it was debited. But if this transaction was done properly, then I should ALSO have a record of {$250.00} coming out on the BILL PAYER side. I don't see that. In contrast, I can match up literally every other BILL PAYER transaction with every debit under the " Activity '' side. This is the sole exception. Here are the reference numbers listed on the BILL PAYER side under " Payment History ''. XXXX - This is the FIRST reference number for XX/XX/2020. XXXX - This is the SECOND reference number for XX/XX/2020. XXXX - This is the THIRD reference number overall. It is for XX/XX/2020. I did not attempt this. It is abundantly clear that this is an issue in US Bank 's system. That is the only reason there would be an attempt to take {$250.00} out of my account exactly a week after the initial failures. Furthermore, US Bank should be able to sync up the first two failed attempts. Once they do that, they will see that the time for those doesn't match the time ( XXXX XXXX ) when the money left my account ( and went into some computerized netherworld ). | ||||||
| 02/18/2019 | Yes |
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| I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied. | ||||||
| 10/23/2017 | Yes |
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| I purchased a prepaid XXXX giftcard on XX/XX/XXXX at a XXXX grocery store in XXXX. It was loaded with {$500.00}. A few days later I opened the package and attempted to use the card and was denied. I went to check the balance online and it showed several transactions occuring the previous day, before I had even opened my package. It was clearly fraud. I immediately called the customer service for the card and submitted a fraud complaint and faxed in the information requested on XX/XX/XXXX. I was told the process would take at least 30 days and that I would be mailed out a replacement card after that. I called back on XX/XX/XXXX and was told the case was closed and denied because they had not received additional information they needed. No one had ever called or written to me to request this additional information. They said they could re-open the case if I submitted the information. I submitted the information on that date and then called back a few days later to check that they had received everything and that it was all they needed. They confirmed it was, and that I would have to wait another 30 days, for the bank to respond. After 30 days, I repeatedly called back, about twice a week, beginning XX/XX/XXXX, to find out information about my claim. No one in customer service could give me any information, other than the claim was still unresolved. On three separate occasions, the customer service said they 'escalated ' the matter, and that was all they could do. Finally, on XX/XX/XXXX, I received a voicemail telling me that the case was denied and closed again because it is now past the chargeback time frame. This is ridiculous as I submitted my claim within 2 days of the fraud occurring, and again resubmitted all the requested material ( including receipt and activation slip, copy of the front and back of the card ) only one month after that. The fact that they repeatedly delayed making a decision on my chargeback for obvious fraud seems like a strategy to push the case so far into the future that it would become 'invalidated ' because of time frame. The prepaid company seems determined to exhaust me in my attempt to resolve this, as I have called the company at least two dozen times since this case started, and they have refused, until my voicemail on XX/XX/XXXX, to even contact me regarding the case. I have been prompt in providing clear copies of all necessary documents and I find it egregious that this company has spent four months putting off a decision to me regarding this case and then claims that now the chargeback falls outside their time frame. I refuse to allow this clear case of fraud to be perpetuated. | ||||||
| 10/06/2023 | Yes |
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| Subject : Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$400.00} as offered by U.S. Bank. To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 outlines the terms and conditions of the promotion ( the U.S. Bank official promotion link https : XXXX was expired ). According to the disclosures of the promotion, I deposited an initial amount of {$25.00} to open and activate my account online on XX/XX/2023 ( see attachment 2 ) and I also enrolled in the U.S. Bank Mobile App within 90 days of opening my account. Moreover, Attachment 3 displays my U.S. Bank transactions, demonstrating that I completed two direct deposits within 90 days of opening my account with a total of {$6000.00} : {$3000.00} on XX/XX/2023 and {$3000.00} on XX/XX/2023, thereby satisfying all the eligibility criteria stated in the promotional offer. Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been almost XXXX months since I fulfilled all the requirements, and the bonus has still not been credited to my account. I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$400.00}. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation. | ||||||
| 05/26/2020 | Yes |
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| In XXXX, I was accepted by the State Department to work as a XXXX XXXX in their foreign service. In XXXX, I was posted to XXXX XXXX, XXXX XXXX, so I had my mail forwarded to my diplomatic address. Within a month or so, I receive a letter from US Bank mortgage company basically saying that if I was living outside of my house I was out of compliance with my loan. I called to try and find out what it was all about, but the number that they give in the letter is the general customer service number, and the only clarity that the person was able to give was that it " may '' have to do with the fact that my loan is an FHA loan. I was informed that the address I needed to send my responses to was the address of the department that handles FHA loans. They had no phone number or email address to give me to facilitate communication. So I responded with a letter explaining my situation and asking to see if there was some kind of exception or exclusion, since I'm sure military personal serving overseas don't lose their homes because they are in the service, I figured there had to be something for me too. I sent the letter and proof of my current employment with the XXXX. In XXXX, I got a letter dated from XXXX that said I would get a temporary extension for a year, but I needed to respond in 30 days with a copy of a non-occupancy insurance coverage and a sale or rental agreement for the property. I received the letter basically a day or two before the deadline, due to how COVID-19 has affected international flights and mail service. I kind of freaked out since my only way to respond would likely take another 30 days. According to the USPS tracker, it still has not arrived ; its been a couple weeks. So I called the customer service number again, hoping for help. But they weren't able to give me any. The customer service guy, very friendly and genuinely sounding concerned, had to inform me that he had no way to contact them himself, so he couldn't even call that department to ask for help or guidance. Especially since, by that time, I realized that the FHA stipulations on residing in my house had long been met, since I bought the house in XXXX and have lived in it continuously and exclusively, until XXXX of XXXX. I guess what my complaint has to do with is that this very important part of the bank, that is basically threatening me with having broken my mortgage contract has NO WAY to communicate with me in a way that didn't exist in the last Century! Imagine? The ONLY way to deal with these people is through a letter. A LETTER?! Not even an email with a scanned document or a FAX! I feel like I'm in a Dickensian tragedy. | ||||||
| 02/10/2016 | Yes |
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| Dear Consumer Financial Protection Bureau, I am respectfully requesting some assistance with a very frustrating consumer issue. Within the last two years I had my credit card with my local credit union, XXXX XXXX XXXX XXXX in XXXX, purchased by another financial institution, ELAN Financial Services. The communication by my credit union, as well as the new institution was poor, and the transfer took place quickly with the XXXX XXXX Credit Card bill immediately changing to an ELAN Bill, XXXX that looked much like junk mail, not a credit card bill at all. As a result, I missed several payments ( up to 120 days ) to ELAN. During this period, payments were made to XXXX XXXX, but the payments were not registered or acknowledged by XXXX XXXX or by ELAN. The result of all of this is that I experienced several months of late payment fees, which ELAN declined to refund. In addition, and more severly, ELAN negatively affected my credit report by issuing several late payment reports. Since this time, and after I realized that this transfer was made and that I needed to send my payments to a different address/company, I have been paying this bill consistently each month. Since the incident ELAN posted a few months of on time payments, and for the last XXXX or seven months have been posting the account closed on my credit report, even though I continue to make monthly payments to this account and according to ELAN the account is active. For a consumer who has never had any major credit issues on my report, this is a glaring and alarming rating, which is negatively affecting my ability to obtain a credit, a mortgage or to refinance my house. I do not believe that this is fair, nor do I feel that XXXX XXXX or ELAN handled this situation well. Especially ELAN, who, even after realizing that I was not aware of the transfer, and that I had made payments to XXXX XXXX post transfer, they refused to work with me to correct their negative reporting and acknowledge my payments. It even took several MONTHS for XXXX XXXX to acknowledge the money came in and have it transferred over to ELAN. In the future I would never use ELAN Financial Services again, nor would I recommend them to any of my family or friends. Doing a simple google search on them, there is a long history of other consumers complaining about their practices so I know that I am not a unique case. Any help here that you can provide would be most appreciated. I believe that ELAN owes it to me to review and rebuke they negative reporting that they have been sending the credit reporting bureaus. Thank you for your cooperation and your support. Regards, XXXX XXXX XXXX | ||||||
| 09/27/2023 | Yes |
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| My initial credit line was XXXX XXXX I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to XXXX XXXX This decreased my XXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( us bank ) to see why. They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. So I called us bank back on a recorded line and asked to speak to underwriting. She told me there was no such department. I asked to speak with a supervisor. The supervisor ( XXXX ) told me the same thing I already heard. They throttled me because of late payments. I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. I asked if that means they don't have to adhere to the F.C.R.A.? She basically told me whatever I read to her doesn't apply to them. So in a nutshell, us bank solicited me a cc while i was shopping in XXXX. A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this XXXX ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. I would like for them to make this right. It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. No letter and or message was ever sent to me entailing their decision. XXXX XXXX XX/XX/2023 | ||||||
| 12/10/2022 | Yes |
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| On XX/XX/22 My XXXX and my USBank Account was hacked. Sending a charge of XXXX Dollars to someone through XXXX, and a charge of XXXX through XXXX. I immediately changed my password on XXXX and called USBank to submit a claim as fraud. I didn't even have to lock my account because USBank flagged it immediately as fraud. I was informed it would take XXXX to 90 days for my dispute to be solved. When I called a week later to check up on the status of my claim, they informed me that they admit it was fraud but that my request was denied, and I would receive a letter in the mail if I disagreed. XXXX dollars is my livelihood and USBank has not worked with me at all in trying to investigate this very clear act of fraud that they ADMITTED TO. I have called USBank 8 times since this all started. I have gone inside 4 USBank to try to talk to a personal banker or someone who can do some further investigation. Even setting up another account to transfer my money to as been completely unprofessional. The response is always there is nothing that can be done ; they're not in charge of that department. On Tuesday XX/XX/XXXX I went into two more bank branches the same treatment of dismissing me with the words there's no number I can call, only an email. I've emailed the Fraud department about my concern, no reply. I have been a loyal customer of USBank for years and to be treated like that amount stolen from me doesn't matter is absolutely ridiculous. I have not been asked any questions to further the investigation, I have not been called or treated with any respect. To have to find out my request was denied while also admitting to fraud is completely illegal. I am going to go into a bank branch every single day until I get my money back. I will call and call until someone speaks to be about this issue and can explain how money I never authorized can not be returned to me. I called the very same day it was taken from me. I reached out to XXXX there's an investigation going on there as well. I have contacted XXXX 's chat agent twice on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the matter of disputing the XXXX sent over from my bank account over to another user. Whoever hacked my XXXX must have accidently sent the money to the wrong user because that user is my roommate. She forwarded the money back to me. XXXX claims to dispute that the money should have never been sent they need to contact the user but have not done so. I am a single woman trying to support myself and I can not have all of my savings I've worked hard for years to be taken in just one day, and to have these companies say they can do nothing about this issue. | ||||||
| 03/02/2021 | Yes |
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| In early XXXX of XXXX, I contacted XXXX XXXX from US Bank to discuss the possibility of buying a vacation home in XXXX, AZ. In mid XXXX XXXX after reviewing my credit, bank statements, taxes, etc ), I received a verbal approval by phone that I was ok to travel to XXXX, find a home I like & that US Bank would finance it up to XXXX & maybe more. I also received an email confirming this amount on XX/XX/XXXX. Based on this approval, I flew our family out to XXXX to begin looking for our vacation home & began putting in offers the week of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX gave my realtor a letter confirming my pre-approval. On XX/XX/XXXX, we had an accepted offer on a house that we liked & began to move forward with the next steps to close on the house. We paid out of pocket for an inspection on the property & paid US Bank to conduct an appraisal which valued the home higher than our accepted offer. Everything seemed to be lining up & working out greatly. Then, on XX/XX/XXXX, I received notification from US Bank that they would no longer finance the house due to something in my taxes. I consider this to be ridiculous as they had my taxes & looked thru them prior to the approval. Why were my taxes ok at application time, but not XXXX weeks prior to closing? Yesterday, we lost our dream vacation home as the sellers refused to extend closing time to allow for financing with another bank ( which I was approved for at XXXX XXXX XXXX XXXX XXXX. So, there is the story. As you can see, this is upsetting to be lied to by a bank, but this situation is especially upsetting due to all the costs incurred. When I look back & start adding them up, they add up quickly, but heres a breakdown : Travel costs : {$4000.00} ( aprox ) Loss of work to travel : {$2000.00} Inspection : {$600.00} Appraisal : {$390.00} Earnest : {$4100.00} ( wire transfer fee included ) As you can see, I threw away over {$10000.00} of my hard earned money due to the banks actions. In addition, my realtor & accountant worked hard with US Bank to make this deal happen, only to see their hard work lead to nothing. In addition to that, the sellers also made approximately $ XXXX in improvements ( requested by me as a result of inspection ), so they are impacted as well. As you can see, many parties were impacted by this. In conclusion, I think its important for banks to not give approval unless they are going to stick to it. Obviously, some loans fall apart due to borrower actions between approval & closing. This is not the case here. The lies of XXXX XXXX XXXX US Bank have cost lots of time & money & I think its important to prevent this from happening again. | ||||||
| 12/09/2021 | Yes |
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| I financed a XXXX XXXX XXXX truck through a dealership, XXXX XXXX, in XXXX Montana. The Dealership, at the time, used US Bank for their financing, so the loan was through US bank. I received a letter from XXXX that I had paid off the vehicle in XXXX. I am attempting to sell the vehicle ( have a buyer since XX/XX/XXXX ). In XX/XX/XXXX, I contacted US bank to ask for a lien release letter since the vehicle title says they have a lien on it. I was told it could take 15 days to process + the time in the mail and it would be mailed to me. US bank website says to inquire if it is not received after 3 weeks. After 3 weeks, when I had not received it, I called customer service and was told by staff that it had been mailed out on XX/XX/XXXX. I have the mail app through US postal service, where I can see a photo of the mail delivered to my address each day. No documents from US Bank have been delivered. After another couple weeks, I called customer service and spoke with " XXXX '' who initially told me there was no record of the loan, but was then able to locate it. She says she spoke with her supervisor who noted that I was " just at the beginning of the period when I might be receiving it ''. She also told me that because of the amount of the time that had passed, she was sending a second copy and " putting a rush on it ''. Today ( 18 days after the last contact ) I again called customer service. I spoke with an agent, who then transferred me to her supervisor, after first telling me that her supervisor " wouldn't be able to do anything about it either ''. The supervisor was unable to tell me the location of the document supposedly mailed on the XXXXXXXX of XXXX because there was no way to track it. She said there is no way to provide an e-mail copy of the letter, which is all XXXX requests to for the title. She said she assumes they sent me a letter previously and either it was lost in the mail or I lost it. She said there is no way to track whether or not one was sent in XXXX. So, apparently 2 of the loan satisfaction letters have been lost in the mail sinde XXXX? She said I must start the process all over, and it will be XX/XX/XXXX ( date provided by bank ) before I can call to receive a tracking number, since I provided my personal XXXX account number for tracking purposes. I am XXXX XXXX XXXX and retired. I have already purchased another vehicle. Not being able to complete the sale of this vehicle because I can't get a payoff letter from US bank has created a financial hardship. Once I paid off the loan, no one at US bank seems to be accountable for satisfying their end of the deal, so I can get a clear title. | ||||||
| 07/02/2021 | Yes |
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| U.S. Bank charged off my account after failing to alert me that my account was overdrawn in XXXX of 2019. I checked my US Bank app to verify I had no pending transactions and saw there were none.Because I was paid in cash and had no need to use a debit card and left the account inactive for two months. After the period of inactivity, I attempted to deposit money onto my account when I learned that my account had been charged off because of a roughly {$20.00} overdraft. Because U.S. Bank had incorrectly recorded my address into the account with an invalid address, I never received a letter of demand. Before U.S. I had even made a cash deposit in person before my account was charged off, but the U.S. Bank teller neglected to notify me that my account was overdrawn. Due to an error with the U.S. Bank app and their failure to record my address correctly, my personal finances and credit report have been negatively affected. It is reasonable for a customer to trust a financial institution to record the personal information a customer provides accurately. It is also reasonable for a customer to trust a financial institution to alert the customer if the customer makes a transaction in person of problems with their account. I trusted U.S. Bank to alert me by mail, phone, and interactions with bank tellers of account problems. Because U.S. Bank failed to maintain an accurate address that I provided them and to inform me when I was speaking with a bank teller, my personal finances and credit have been severely hurt. I only learned that this prevents me from taking loans after I graduated college and applied debt consolidation loans. I have attempted to dispute the claim but U.S. Bank refuses to correct its mistakes. I have attached portions of U.S. Bank statements that show the invalid address and the date I made a cash deposit. A brief internet search will show that the address U.S. Bank recorded and disseminated to consumer reporting agencies is invalid. There is a house number, the word " XXXX '' but no street name, and a zip code that corresponds to a city in a different state. It is the responsibility of the customer to provide the correct address 's, but it is also the responsibility of the financial institution to enter the correct address they receive from the customer. I use the address that U.S. Bank claims they sent demand letters to for other legal documents but this is the only time that an invalid address has appeared on any of my legal documents. I have attempted to dispute the issue with U.S. Bank but U.S. Bank refuses to correct their mistakes. Because of U.S. Bank 's mistakes, I am suffering. | ||||||
| 11/11/2020 | Yes |
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| For the last 4 years, I have a checking account with US Bank, which I seldom use. For the first time ever and most likely last, I encountered a negative balance because I accidentally specified the US Bank account as the account to pay my credit card balance. This is where I found about the deceptive, predatory, cunning money making practice of US Bank through overdraft fees. So I got email alert that my account has negative balance because of the credit card payment. I immediately transferred money from XXXX XXXX account into US Bank account to bring my balance positive. But it took 3 business days for funds to post to my US Bank account. During these 3 business days I found out about the disgusting tactic of US Bank for the first time to prey upon unsuspecting consumers and snatch their hard-earned money. They were charging me a overdraft fee of {$36.00} every day until my account balance became positive. Here 's how they did it. The very first time my account went negative balance, I got charged my first overdraft fee. The transaction was cancelled but then the same transaction got initiated 2 more times automatically and subsequently charging me {$36.00} in overdraft fee each time. And worst thing was that my credit card account was not even paid. Every time the money returned to my US BANK checking account. I have banked with other banks including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and none have ever done this scam ever in the name of overdraft. They charged a one-time overdraft fee and cancelled transactions. But US Bank kept automatically initiating that transaction and made a total of {$140.00} from an economic hardship suffering account holder in the deceptive practice. I was furious and called their customer service. After being on hold for 1 hour and 7 minutes, I got connected to an agent. After spending another 39 minutes with the agent, I only got one of 4 overdraft fees reversed. I filed complaint with XXXX XXXX XXXX and instead of fixing problem, US bank after 3 weeks sent me a letter that they did the right thing and instead sent me 50 or more pages of their phony agreements and marketing stuff, asking to open savings and credit card accounts to link to checking account for overdraft protection. This company keeps bragging about being the most ethical bank but their practice in my experience has been worst than XXXX XXXX and other banks. I simply want the unjust overdraft charges reversed. Please see attached image of transaction details. It is evident that they kept authorizing the same transaction to make money in overdraft fee where no other bank I have account with does that. | ||||||
| 02/14/2019 | Yes |
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| I received a US Bank Credit Card in XX/XX/XXXX. The promotion offer was that if I spend {$4500.00} in the first 150 days, they will credit my account with {$500.00}. As seen in the attached file - AccountPaymentHistory.pdf, I had spent {$5200.00} within 150 days. I sent US bank an email regarding the credit and received the following reply from them on XX/XX/XXXX ( Our records show that you have met the {$4500.00} spending requirement. You will receive the {$500.00} bonus rewards within four to six weeks. ) I waited for 6 weeks and after 6 weeks, I again sent US bank an email. I received the following reply from them on XX/XX/XXXX ( We apologize for the incorrect information given in our previous response. Once the account has qualified for the bonus rewards, it may take up to 10 12 weeks from the end of the offer period to receive the bonus rewards. ) I again waited for 12 weeks and sent them an email regarding the promised offer. I received the following reply on XX/XX/XXXX ( Our records indicate that this account was opened as of XX/XX/XXXX with an offer to receive a {$500.00} cash rewards bonus for each employee account individually for having {$4500.00} in net purchases within 150 days of the account being opened. Reviewing your account, neither employee account affiliated with this business met the net spending of {$4500.00} in the first 150 days of the account being opened. Therefore, this business account is not eligible for the {$500.00} bonus. Your account ending in XXXX had net spending of {$2900.00}, which did not meet the spending requirement. The main credit card account ends in XXXX and there are two employee cards within the central account. The total amount spent in main credit card account ( XXXX ) was more than {$500.00}. The credit card company is now coming up with an excuse that each card had to spend {$4500.00}. As seen above in their replies and the attached emails, they agreed that I had qualified for the offer. But it was never their intention to deliver the offer. ) First they said 4 to 6 weeks, then they said 10 to 12 weeks and finally they refused. The credit card company 's offer was deceptive and deceitful. They wanted me to just keep spending on the credit card until they could refuse the offer. A strict action should be taken against US Bank for willfully misleading the customers and not delivering on their promises. Attached is their email chain where they accept that I have qualified for the offer and then rescinding the offer once it came time to deliver. Also, is the account history where it shows that I spent over {$5000.00} in the first 150 days. Thank you. | ||||||
| 03/23/2018 | Yes |
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| Hello, I have safe deposit with US Bank in XXXX XXXX, IL. I paid the {$130.00} on XX/XX/XXXX approximately XXXX and explained to the teller ( XXXX I believe is her name ) that I will probably be closing the safe deposit box within the next week and if I did would I receive a refund. She informed me yes and I told her I would return. She stated thank you for waiting as it was a lengthy wait on this particular day and I asked again if I would receive a refund. She stated yes again. I returned on XX/XX/XXXX and proceeded to do what I thought was appropriate and close the safe deposit box as I had pretty much dissolved any business with this financial institution because of bad customer service. I was waited on by XXXX XXXX and unbeknownst to me as she was cancelling me out I retrieved my items she did not provide me with a refund like XXXX had stated I would receive. I informed XXXX regarding the conversation XXXX and I had on the prior Saturday. I told her that although XXXX did not know the amount she did not know the extent of the amount. I informed XXXX to reverse the cancellation because I would have not paid the safe deposit fee that prior XXXXy had I known and would have retrieved my items that day had I not received misinformation. XXXX provided me with a form with an amount of {$95.00} and when I asked her about the additional {$40.00} she became very indignant and told me the fee can go up at any time and that I could not receive a refund. I informed her it was completely unfair that not only was I given misinformation but there was price gouging and asked her to provide me with her full name and the branch managers name. She attempted to write her name down on a sticky note instead of providing me with a card and I had to insist on getting the branch managers name. To my dismay the branch manager was sitting right there while all of this was unfolding and told me that XXXX does not handle safe deposit information and would not know how it should be handled. I explained to the XXXX XXXX ( branch manager ) that I would have cancelled the box the same day however she would not listen and basically informed me that this is just how it is. I also explained that is really unfair treatment which resulted in me closing accounts in the past and for them to suggest that I can still close and be out of {$130.00} is ridiculous. While this entire ordeal was unfolding, I was on the phone and my witness heard the unprofessionalism. My position is had a known I would not receive a refund, I would not have renewed the safe deposit box and returned less than a week later and spend 40 minutes for nothing. | ||||||
| 02/12/2021 | Yes |
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| As the Covid-19 Pandemic started, I applied for Pennsylvania unemployment benefit. I was awarded {$12000.00}. However, I never got access to my funds as I've never received the US BANK RELIACARD debit card where the funds were deposited. For over 3 months, I kept calling the Pennsylvania Department of Labor to inquire about my benefit payments but I couldn't get through their phone system. Then finally, in XXXX I was able to reach a representative of the Pennsylvania Department of Labor who informed me that my benefits have been paid and that I should have been received a US BANK RELIACARD debit card. So I called the US BANK RELIACARD Customers service to inquire about the RELIACARD DEBIT CARD, the customer service representative informed me that they sent me a reliacard debit card and that it was loaded with {$12000.00}, however, the balance is now {$0.00} as the funds have all been drained out my account. I told the representative that I never received the reliacard. So HOW can the funds be drained out of my account? The representative then advised me to file a claim dispute. After filing a claim dispute, I faxed and mailed ( several times, at least 10 times ) all my identity verification to prove that I am who I am. I even did the selfie verification. From the beginning of XXXX until today, I have been calling US BANK RELIACARD everyday and they always keep telling me the same message : " We didn't receive your identity documentations '' On XX/XX/21 I called again and Tier 2 representative informed me that my claim has been denied and my account is restricted. When I asked for explanations as to why my claim is denied or why my account is still restricted, the tier 2 representative wouldn't give me any response beside telling me they sent me a mail. However I've never receive any correspondence from US bank reliacard. I faxed and mailed in my identity documentations at least 12 times with the most recent on XX/XX/21 and I have a tracking number showing that my identity documents have been received on XX/XX/21 at this address : ( Cardholder Services XXXX XXXX XXXXXXXX XXXX, FL XXXX ). Could you PLEASE confirm that you guys received my identity documents. I don't understand why my account is still restricted or why my claim dispute is denied. Because I've never received the reliacrd debit card in the first place. So how can someone access my account or intercept my mail and I believe US BANK is holding my money hostage. Because I've never received the debit card and I don't have access to my account. I am driving through food banks weekly and waiting and waiting It's a matter of livelyhood. | ||||||
| 01/22/2021 | Yes |
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| I applied for forbearance on this loan back in XX/XX/XXXX for net 6-7 months. After this period ended i contacted customer service to do repayment plan so that this amount be rollover at the end of my loan period! everything got set up and i was good to go and continue making my payments once again. Next due date came in i was not able to do a payment so after multiple phone calls i still wasn't to make a payment due some loan issues. Next month due date came and same thing happened after hours on the phone with customer representatives. all this time i did 2 payments with the voice machine operator ( only way i could have submit a payment because i didn't wanted the amount i owe to be increasing which somehow it did because the forbearance never ended apparently. No one from their team figure out that i was still on forbearance all this time and never fixed my account after numerous phone calls by me for them to fix my account and receive an official letter where it states everything that happened with my loan during Covid 19 times. After 9 months of thee problems now there is home insurance policy issue where my amount is not to the correct amount that should be and i needed to bump that up and plus a detached structure came out on their radar after 2 years of the closing of this property! this is ridiculous! i now need to take a survey and elevation certificate so that insurance company can cover the SHED for XXXX $ where after i asked them where did they get with this amount the poor lady said i really don't know what the structure is but this is the amount!! how someone can value something if they don't know what is it?! i cant deal with this bank anymore and i already lost hours and hours calling their not proper educated personal which they do inadequate job. Last phone call made on XX/XX/XXXX was to inform them that i have their policy amount to the level that they want but poor customer service agent didn't know where to direct my call and transferred my call 4 times to 4 different departments and no one knew how can i send them the new policy where it states that now my home is covered with the amount they want! 20 minutes lost and i had to hang up because my nerves are quitting after 9 months of horrible bank experience from the moment my loan was sold from federal bank to US bank. Short story long my loan is still under forbearance with money that i owe still pilling up and none from their department even cares about this or try to contact me and reach out for the documents THEY need and not me. Saddened that these financial institutions are given a chance to lead the American people. | ||||||
| 08/19/2020 | Yes |
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| Hi and how are you? Listen, I've disputed this account before with Elan FInancial services and they removed it base on the errors and violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. | ||||||
| 10/17/2017 | Yes |
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| The response I received states that US Bank does n't have my loan. However, I received a letter in the mail, which indicates that US Bank will not provide a response, because the address on record is incorrect. This is extremely frustrating, as I clearly provided everything US Bank needed to respond to my complaint within my prior inquiry and received a push off. Again, I have detailed my concerns below and EXPECT TO RECEIVE A RESPONSE. I have NOW updated my address, therefore, US BANK is required to provide me a response. They hold the loan to my vehicle! I am also considering forwarding this matter to the appropriate regulatory bodies for escalation. I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards ( P & I ). Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency. I have now went online, and was able to search the transaction history on my loan ( attached ) which revealed the application of my payments. Its absurd how the email response representatives, as referenced above, could nor provide me direction on how to obtain the transaction history online, rather reverted with illogical responses and went straight to charging me a fee to provide a copy of my payment history! I have been charged {$480.00} in late charges! Of this amount, I have paid ( estimated ) {$240.00} towards that balance! Based off my online account, my current past due balance is {$670.00}, which I believe consist of {$440.00} for the XX/XX/XXXX, 2017 monthly installment and remaining balance of {$230.00} late charges. | ||||||
| 06/24/2022 | Yes |
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| This is NOT a duplicate to complaint # XXXX In XX/XX/2015, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and servicer to me since XX/XX/2015, was placed under supervisory restrictions by the XXXX referenced by XXXX # XXXX XXXX # XXXX and # XXXX. XXXX XXXX made financial profits at my expense and to my detriment, when they should never had been in business with me ( sppecifically servicing a mortgage ). Reference XXXX ID # MIN : XXXX Note Date : XX/XX/2015 XXXX Status : Inactive Servicer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, KY Investor : XXXX XXXX XXXX specific restrictions outlined below and a copy of the order from XXXX is attached to this complaint for reference : ( 1 ) no execution of new contracts or the amendment or renewal of existing contracts beyond current loan volume specified in existing contracts for the acquisition, by the Bank, of residential mortgage servicing, residential mortgage servicing rights, residential mortgage loans with servicing, or residential mortgage origination business entities without prior XXXX supervisory non-objection until termination of the Consent Order ( this does not apply to originations or refinancings by the Bank, contracts for new residential mortgage loans through the Banks broker or correspondent channels, or other contractual relationships where the Bank does not ultimately service the loans, and this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts ) ; ( 2 ) no execution of new contracts for the Bank to perform residential mortgage servicing for other parties without prior XXXX supervisory non-objection until termination of the Consent Order ; ( 3 ) no residential mortgage servicing related activities may be outsourced or sub-serviced to other parties without prior XXXX supervisory non-objection until termination of the Consent Order ( this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts, outsourced activities, or obligations pursuant to legal settlement, nor prohibit new contracts to outsource activities that are currently outsourced ) ; ( 4 ) no new off-shoring of residential mortgage servicing related activities without prior XXXX supervisory non-objection until termination of the Consent Order ; and ( 5 ) no new appointments of senior officers who have responsibility for residential mortgage servicing, residential mortgage servicing operations, residential mortgage servicing risk management, and residential mortgage servicing compliance without prior XXXX supervisory non-objection until termination of the Consent | ||||||
| 01/04/2021 | Yes |
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| On XX/XX/XXXX, I picked up a package from my local XXXX which was supposed to contain 4 items. When I got home and opened the package, it only contained one package. I contacted the company ( XXXX ) that day via social media and was directed to email them, which I did, also that night. The responses provided were rude, and unhelpful to my situation as they provided me no path forward. I had requested either a refund for the items not sent or that they provide me with those items. On XX/XX/XXXX I filed a dispute via phone with US Bank for the 3 items I did not receive totaling approximately {$200.00} ( I gave the exact amount over the phone but don't have it on me anymore ). I was told they would work with the company and get back to me. The following week, I received a letter dated XX/XX/XXXX which stated " No further action is required from you at this time. '' On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX stating that I had not provided the required additional information to proceed with the dispute, and they were cancelling the dispute. On XX/XX/XXXX, I called US Bank and spoke to " XXXX '' to understand why the dispute had been resolved when I had been told no further information was necessary. He stated that a letter had been sent which hadn't been responded to, but that he could re-open the case. He also mentioned that the original person to log my dispute did not categorize/track it very appropriately. I did not realize he failed to credit back the disputed amount, which caused my auto-payment to pay the full balance, including the disputed amount on XX/XX/XXXX. On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX and signed by a XXXX XXXX It stated that they could not " support your claim of returning merchandise to the merchant ''. My claim had nothing to do with returning merchandise to the merchant. I have tried to call the direct number listed for XXXX XXXX on at least 3 separate occassions since receiving the letter, and they have all gone straight to voicemail with an outdated message about being OOTO in XXXX. On XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX requesting additional information to process my dispute with a deadline to provide that information of XX/XX/XXXX. Even under ideal circumstances ( when the USPS isn't backed up due to holiday volumes and COVID delays ), a two week turnaround would be extremely tight and no other contact was made to let me know this request was coming. Obviously in this situation, I didn't even receive the letter for over a month, which was well past their self-imposed deadline. | ||||||
| 04/16/2015 | Yes |
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| I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review | ||||||
| 02/10/2022 | Yes |
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| In the first week of XX/XX/XXXX, I met with XXXX XXXX, the assistant manager of the XXXX XXXX, Ohio branch of U. S. Bank. I, at the time informed XXXX that my wife XXXX had died on XXXX day and I would need his help to change the accounts to my name. I furnished him with a copy of our wills and gave him a copy of the death certificate so that he could start the procedure of making the necessary changes. Everything was progressing smoothly until XXXX realized that one of the accounts which had been opened by my wife and never used was in her name only. He said that that account would have to be probated to access the funds. I checked with the XXXX County Ohio clerk of the Probate Court and was told that the fees for this would probably be {$800.00}. When I gave this information to the bank, XXXX made some calls and said not to worry and then informed me that he was told that the money would eventually go to the state as unclaimed funds and that I would be able to claim it. Since that time, I have on several occasions contacted U. S. Bank customer service to check on this matter and could not get a satisfactory answer on when this money would be given to the state and the account closed. In XXXX I had again called and the individual I then spoke with said that the transfer should have already been made and that he would check on it and call me back. He never called back. In the fall of XXXX, when looking at my latest statement, I noticed that the account in question had been charged a service fee. I stopped at the XXXX XXXX ( XXXX XXXX XXXX had been closed ) and spoke with one of the cashier 's who said she would take this up with the branch manager. She called me and said that she was not able to give me a satisfactory answer but would continue to try and find one and call me back in a week or two. Upon visiting the branch she had then informed me that she had not been able to resolve the issue and that they would continue to charge the service fees. This institution has been holding on to funds that do not belong to them and are now charging the account [ that should have been closed 5 years ago ] a dormant account fee. This will eventually empty the account and they will then close it. This should be stopped and they should be made to refund the fees that they have unjustly charged, and pay interest on the money that they have unjustly held on too for five years. I cant help but wonder how many other people that they rip-off every day who are in the same or similar situation as I found myself in. It would be interesting to know how big a chunk of money that this thievery amounts to every year. | ||||||
| 03/31/2015 | Yes |
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| I had not intent of applying for this kind of loan but was solicited to do so with deceptive practicesI was told the loan would be easy to get and I would have no trouble qualifyingSoon after I was forced to go through a process that called into question my credit worthiness, my property records, and so on. The process turned from " no trouble qualifying '' to a miasma of official documents and the likeI was sent a letter stating that the loan was approvedI was told the loan would not be approved on XXXX XXXX I received another letter asking for documentation so the loan would get approvedSn email from me : In the end I do not understand why the paperwork relative to the divorce and the deed for my home were adequate for a line of equity from Homestreet Bank and a {$400000.00} refinance from XXXX XXXX XXXX. You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. The paperwork was returned. However, I also received a XXXX day air UPS package from a bank XXXX blocks from my home that was supposed to be sent to me on XXXX and should also include my tax documents. In perhaps the most pitiful part of all of this my tax documents are not included in the package. Instead I received tax documents for XXXX XXXX XXXX whom I do not know. US BANK cajoled me into applying for a loan I did not seek. I was told the loan was approved but I needed to close XXXX credit accounts. I did this is good faith based on the assurance of my bankerI was told by the banker that the loan was a part of building my relationship with him and US Bank. He did not tell me that he was leaving US Bank even as he had announced this before I applied for the loanMy grievance has to do with the strong arm sales tactics of US Bank and the deceptive parts of the loan process. The banker blamed the incompetence of the underwriters for the delay in processing the loan and left the bank before the loan was denied. In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers | ||||||
| 04/28/2022 | Yes |
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| So last year I opened up my own company and wanted to open a business account for my company in order to separate my business from my personal. I used US BANK in XXXX, MN for this. Well shortly after this I had hired a women to help me keep track of office duties. Well part of her duties included taking care of company operations along with expenses. Well I had added her to my business account in order for her to do so. Not long after I had added her she parted ways and quit the company. Well after finding this out I contacted US BANK and asked them to remove her from my company account and access. I was advised that they would do so. Well I had added her also to my XXXX as the administrator so that she can keep and log company expenses and record. I had stated that I would do so and I would rather her enter her banking info herself along with enter her own social security number and other identity info so that if anything ever was questioned that I had no access to her personal information. Basically establishing my innocents if there was ever a problem. So the day after U S BANK told me that she would no longer have access to my business account, I had asked her to provided me with details on what she worked on to justify the hours she was claiming she worked. I never heard a response back. At this time I remembered I had her add her own banking information for direct deposit through XXXX and it had already come out of my business account the day before. I then proceeded to contact US BANK to stop payment on this and they said there was nothing they could do even though it went to her personal account with US BANK. So I had filed with XXXX XXXX, MN court system a civil lawsuit against this individual. Well I was advised and given document of this individuals counterclaim and she provided documents that indicated that she was in contact with the business banking rep at the US BANK in XXXX, MN after the fact of them advising me she would no longer have access to this account and information. The email gave great prove to this not being the case and she was still given information about me and my company checking account a month after US BANK STATED she would not be given access to this. Well that is the reason for this complaint today. I had started legal issues with this person to get my money back that was questioned, and took her off of the account and come to find out that US BANK was still giving her personal and company information afterwards. This is an illegal action on US BANKS part and violates certain guidelines and laws under the data privacy act along with fair consumer practices act. | ||||||
| 07/15/2016 | Yes |
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| I am a credit card customer of Elan Financial. I requested an online increase to my credit limit and the online process did not at any point provide a disclosure that a credit inquiry would be pulled. Had a disclosure asking for my authorization been provided, i would not have consented to a credit inquiry. I called customer service to dispute the inquiry as the proper disclosures were not provided, a customer service representative and his supervisor eventually realized that I was correct and at no point in the process had a disclosure been provided as it they admit it should have been. The representative and his supervisor advised me to write a letter to dispute the inquiry and include the information that we had talked about and the inquiry would be removed from my credit report. I sent the letter as advised and included all pertinent information, including the fact that the disclosure authorizing a credit inquiry were not provided and that the representative and supervisor had verified this. Over a month later I received a reply that they had investigated the situation and would not remove the inquiry because " the promotion offer only included credit limit increase request of {$4500.00} or less ''. I had not received a promotional offer and no where in my letter had i referenced a promotional offer, XXXX had completely ignored the fact that a credit inquiry was never disclosed and I never approved of an inquiry. I called customer service again to escalate the matter and spoke with a supervisor regarding the letter. The supervisor was not helpful at all and would not listen to any of my concerns regarding the lack of disclosures provided by the company. The supervisor repeatedly said that he could not do anything else and that XXXX is required by law to provide a disclosure if a credit inquiry were to be performed and he did not care at all that I repeatedly told him that a disclosure was not provided. The supervisor was rude and showed a total lack of care of the subject. According to the supervisor, XXXX was required by law to disclosure if a credit inquiry were to occur and he should have been more concerned with the fact that the company is not following what they admit to be the law. I received a call from a manager in customer service the next day and she continued to say that XXXX is required to provide the disclosure during the increase process and that it is provided on the website. When I asked her to tell me where on the website the disclosure is she was unable to provide that information. I told her that was not an acceptable solution and she said she would have to get back to me. | ||||||
| 04/12/2017 | Yes |
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| Received an incoming call from a local phone number ( XXXX ) XXXX. Attempted to reach the number back, but unable to receive incoming calls. Received a voicemail that had an " unknown '' listing as number called from. Per the message, someone was trying to confirm my availability to send documents to be signed for litigation and garnishment purposes. Called ( XXXX ) XXXX and spoke with a rep named XXXX who by the way only answered the phone by saying " Litigations, how may I help you? '' Stated she was my account manager. She began to speak on XXXX accounts from US Bank ( XXXX, and XXXX ) that both closed in XXXX and was charged off back in XXXX. When I asked when did her office obtain these closed accounts, she stated about 60 days ago. Not to mention those accounts were included in a Chapter XXXX bankruptcy on XX/XX/XXXX, and XXXX on XX/XX/XXXX. She proceeded to say they never got any notice and garnishment forms will be forwarded to my place of employment. Never did she ask to confirm my address, only that the balance due with interest in {$2800.00}. She declined to obtain my attorney 's name and contact information, or even the case number. She said he will need to reach her. Now I 'm puzzled because it dawned on me, this number is clearly unlisted as I 'm on someone else 's phone plan. I asked where was the initial notice, she told me to have a great day then hung up. A few hours went by, and I called back, after I called US Bank to confirm the selling of an account after bankruptcy. They confirmed they do not outsource accounts, especially after stay granted by the state. The party from the litigation 's team declined the name of the company for online review, but instead called me a criminal once I said the call was being recorded for my protection. Stated I was breaking the law, and was not permitted. When I asked was he recording me, he said only criminals do that. And my reply to that was, for your protection you should, especially if you 're throwing around court litigation on accounts that were discharge back in XX/XX/XXXX. I asked about statutory limits on collection activity, he said you still owe. I advised him he 'll never get paid, again calling me a criminal.. I hung up the call. I called a third time, and spoke with a different rep, who was very hesitant to provide the company name, until I acted like I wanted to pay and discovered the name to be XXXX, CA. Once she realized I was n't falling for it, the call was transferred mid call to the original " XXXX '' who began to argue with firmness. I disconnected the call and found this site from a previous complaint from Google.com | ||||||
| 02/14/2017 | Yes |
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| I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words. | ||||||
| 04/21/2016 | Yes |
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| My wife and I obtained a construction to permanent mortgage loan through a loan officer at US Bank in early 2014, to provide financing for a custom home we were having built. We closed on the transaction on XXXX XXXX, 2014. The department within US Bank that handles the disbursement of draw requests to the contractor allowed for the contractor to obtain funds well beyond the completion of the home. The bank was provided progress inspections by XXXX XXXX, a party of THEIR choosing, which identified with photographs and completion percentages that the basement of the home had very little work completed, yet US Bank approved to fund the contractor budget items that would have required substantially more money to complete the basement which was part of our plans, specifications, and contract with the contractor. Upon receipt of the excess funds, the contractor promptly abandoned our job leaving us to hire a different XXXX to complete the home so that we could obtain a certificate of occupancy and have a home to live in. I disputed the handling of the draw process once it was evident that the XXXX had abandoned us, but the person handling our disbursement indicated that I would need to fund the additional amount to complete the home. It cost us more than {$100000.00} more than our contract to complete the home. This figure includes over {$60000.00} in excess funds I needed to provide to complete the home in accordance with the plans and specifications, as well as the substantial amount of change orders that I funded to the XXXX to ensure there were sufficient funds left in the loan proceeds to complete the home. The contractor then submit for full disbursement of XXXX budget items that clearly would have required additional funds to complete the home. The negligence on the part of US Bank in allowing for our contractor to get over-funded on this project is the obvious reason that the contractor abandoned the job. He no longer had any financial incentive to honor his contractual obligations. At no point during the draw process, did US Bank or XXXX XXXX provide me with details of what the contractor was requesting for review. I demanded the information that was submitted by my contractor to XXXX XXXX and eventually they complied and provided the detail of the draw requests ( XXXX ) as well as the inspection reports that were completed in conjunction with the draw requests. This happened after the contractor had already been over-funded and had made the decision to abandon us. Upon reviewing the supporting documentation and inspections, it became quite clear why the contractor chose to abandon the job. | ||||||
| 01/21/2023 | Yes |
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| I opened US Bank checking account XXXX around XXXX US Bank requested me to make opening deposit of {$100.00} and I did so. However, without my request, US Bank did 3 transactions on XX/XX/XXXX : deduct {$100.00}, add {$100.00}, deduct {$100.00}. It caused {$100.00} deduction in the balance of the checking account. Around XX/XX/XXXX, manager of a USBank branch, XXXX XXXX, promised me to find out why. However, I did not receive anything as of this writing. US Bank is the initial place from which a customer lost money. US Bank should proactively help its customer to recover the loss. I request US Bank to refund the {$100.00}. I filed Complaint to XXXX ( ID # XXXX ). XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : " Our records confirm, your account ending in XXXX was opened with a {$100.00} deposit. We received a dispute for this deposit which was found in the cardholders favor, and the deposit was reversed on XX/XX/XXXX. '' My reply ( XXXX ) is : " Who is the cardholder? What card was used to make the deposit? Who initiated the dispute? The simple fact is : I lost {$100.00} from my US Bank account. I deserve to know why and how. I deserve detailed explanation. " XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : ( no answer to my questions ) " The Payment Card Industry ( PCI ) regulates banking industries and restricts financial institutions from retaining debit and credit card numbers with their security code and expiration date. To confirm, we do not retain and are unable to view the credit card number used to initiate the opening deposit. '' XXXX said ( XX/XX/XXXX ) : " Upon review, the XXXX has determined the company has chosen to remain firm in their position and not offer an alternative resolution. Please understand that the XXXX is not an enforcement agency and we can not compel a company to do exactly what a consumer requests. The XXXX has closed this case. XXXX appreciates the time you took to inform us of your experience with this company and will include it in their file. Your case will be reported in the company 's XXXX Business Review for other consumers access. It will remain on their record for 36 months, our standard reporting period. We will use it to note any trends or pattern of complaint activity and, should one be noted, will forward our case notes to the proper state regulatory agencies for their review and possible enforcement. '' In summary, XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, did not answer customer question about losing {$100.00}. | ||||||
| 10/11/2020 | Yes |
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| I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card. The 1st problem, in a very long list, is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business days for the card to arrive. XX/XX/XXXX the 3rd card arrived and I activated it. It was active for one day, and then declined at the grocery store. After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was informed there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my driver 's license, rental agreement, and SSN card, and it would take 3 days. I faxed these documents on the XXXX of XXXX, and called 3 days later. The first customer service rep I spoke with said it could take up to 120 days for them to do the audit. I insisted on speaking to a manager and was hung up on. I called back, pretended I didn't hear the 120-day thing, nor did I ask. I was told they could not find my documents and that I just needed to keep checking back. On XX/XX/XXXX I would not accept their response of call back, and I demanded something be done. They asked me if when I faxed my documents, I increased the photocopy size on driver 's license by 200 %, because if I hadn't my fax papers were tossed. So, on Friday XX/XX/XXXX, I went back to the UPS store to fax the documents with the NEW instructions only to have the XXXX store try 12 times to fax my documents and the fax would not go through. XXXX said the machine is responding like it's off the hook or unplugged on Reliacards end. I came home called Reliacard and was literally told hmm, that doesn't sound right, but maybe try back on Monday. As of today, XX/XX/XXXX I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this. I feel like I am on the verge of a XXXX XXXX, and US Bank couldn't care less. I have almost {$3000.00} on my card that I can not access because EVERY TIME I get the run around and new hoops to jump through. My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled to. | ||||||
| 06/12/2022 | Yes |
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| I stayed overnight at XXXX XXXX located in XXXX Maryland on wednesday, XX/XX/2022. During this day I was charged a total of {$330.00} for the stay with another {$30.00} for an incidental fee. After check out and after the balance was settled with the hotel, a pending transaction of money they were holding from me in the amount of {$420.00} and XXXX cents was held under the explanation that there is a 20 % hold on service industries in the state of Maryland. I had never in the recent past had this experience for any hotel stay that I have completed. Upon realization of this error, I contacted US Bank and XXXX services more than XXXX times to try and straighten the matter out because once they deducted those fees I had no money left for anything, including the celebration of my daughter 's graduation from high school. I spoke at length with one of the US Bank representatives by the name of XXXX who was very agitated and became emotional when I asked for the return of of my money. In addition, he refused to continue to entertain or discuss the matter stating that he felt angered by how he was being addressed., Another representative who claimed that he was a supervisor repeatedly stated that I had to wait 20 days before my funds would be returned to me. I explained to him that I had not authorized these funds to be withheld and I wanted them to be refunded immediately. On more than five rounds of repeating this statement, he refused to to refund money that were owed to me. I further explain to him that I could not be charged I could not be held to wait 20 days when I had never withdrawn or charged {$420.00} on my card or account. After multiple XXXX hours of debating and arguing about funds that they are holding which belong to me, I exper the explain to representative XXXX that I would file a complaint against the company. To no avail, he did not relent. When I explained to the representative at XXXX XXXX that they needed to settle all charges for my hotel stay, I was informed by the front desk manager that all funds have been settled and that {$30.00} would be returned to me in 7 to 10 business days. To this effect, it it appears that I was charged {$420.00} for services unaware and unknown to me. When I inquired both at the bank and through the hotel, neither of them could explain what the charge was for. I am imploring you to get involved and force them to return my funds. Additionally there was another charge for {$120.00} which was also pending from the same week of charges outstanding for a hotel stay. This has not been the case previously, and I am expecting a full return of my funds. | ||||||
| 09/11/2020 | Yes |
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Web | Older American |
| On Tuesday, XX/XX/2020 my wife and I deposited a large personal check into our Package Money Market Savings Account at US Bank 's XXXX, Minnesota location. The teller put a large deposit exception hold on the deposit. While we did not need the money, we told the teller when she informed us of a hold due to the amount deposited, that her position was in error. We discussed Regulation CC governing the availability of funds deposited in checking accounts and the collection and return of checks and re-iterated that this was a savings account. We further explained that under 12 CFR 229.2 ( a ) ( 1 ) the term Account specifically excludes savings accounts. The tern does not include savings deposits or accounts described in 12 CFR 204.2 ( d ) ( 2 ) even though such accounts might permit third party transfers. We pulled up the deposit account disclosures on-line to try and figure out what kind of savings account we have and why it would be subject to Reg. CC holds but have been unable to figure out the why. The Funds Availability section of your disclosures indicates that, " the funds availability policy applies to deposits into both a checking account and a savings account. '' We do not understand why. The deposit contract clearly points out that " U.S. Bank reserves the right to require seven days notice before any withdrawal from a saving account, '' which is part of the definition of a savings account found in 12 CFR 204.2 ( d ) ( 1 ) and ( 2 ). Based on what we have read in the bank 's deposit account disclosures, it indicates that they have the right to delay availability of funds deposited into a checking or savings account made at a branch or ATM ; however, we are unable to locate anywhere in 12 CFR 229 where this is permitted for savings accounts, which also includes money market accounts. Both my wife and I are currently in the regulatory compliance business. And we have been in the banking business collectively for over 50 years. Again, we did not need the funds, so we were not harmed : however, when we attempted to file a complaint with the bank we were unsuccessful in locating anywhere online to complete a form. Because of this, we felt it was in our best interest as well as the banks to go through the CFPB. This appears to be a systemic issue due to the disclosures. Had the bank 's website been more user friendly and included an avenue for filing a complaint we would have gone directly to the bank. As it is, the website does not appear to have a portal for consumer complaints, which a reasonable consumer can navigate to ( possibly one click away - i.e. Contact us ). | ||||||
| 11/03/2017 | Yes |
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| I received a notice from my stock trading company stating that I was denied an account due to insufficient funds because I did not have a monthly income to qualify for the account. I looked at the letter and noticed that the had my yearly income incorrect so I called them to correct that issue and when I did a few weeks later I received a credit card from the brokerage that I did not apply for. A week later I realized that the banking institution I use for my day to day transactions which holds my credit card balance was XXXX out??? How did that happen? I did not know where the balance went, who paid the balance or where it was transferred to, XXXX disappeared from my Military Banking institution without my knowledge. A month later I logged into my trading brokerage app and found the balance was transferred to a credit card I did not apply for and furthermore, I did not AUTHORIZE ANY TRANSFER. They transferred the account balance, charged me a fee for the transfer and raised my APR. I contacted them to ask them who authorized the transfer and the customer service told me that I authorized it but could not prove ( to date ) who authorized a balance transfer. I was then transferred to their fraud department and they did an in-house investigation, a month later I received a letter of denial saying that they did not find any fraud and that I was still responsible for the credit card balance. I spoke with customer service and the fraud department on a three way call as to where the customer service representative said that my complaint resides with the fraud department to which the fraud department said they would send a letter that I would need to have a notary witness the letter upon the return to their department, I also paid for it to be certified upon receipt that they had received the letter within the time frame they put on the letter. Now I keep receiving calls from their customer service saying that my balance is seriously overdue and that the account is about to go into collection. This company has ruined my credit status from XXXX now down to XXXX due to their deceit. They transferred a balance from the my banking institution that I used to transfer money into my trading brokerage. This is not what I applied for nor did I approve to take on a transfer fee and allow them to raise my interest rate, why and who would be stupid enough to accept such a transfer? No one and thats why the illegally did the transfer and now there has been late fees incurred to this fraudulent account in access of {$2500.00} and they hurt my credit score. Please investigate this fraudulent practice of theft. | ||||||
| 05/23/2022 | Yes |
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| Coming out of our covid 19 forbearance we were looking for a long term option for paying back the 18 months of missed mortgage payments So we submitted a request for assistance at the end of XXXX XXXX What I thought would be around a 30 day process ended up dragging out over 4 and a 1/2 months just to be considered to have a complete application.. Initially our application was denied once in late XXXX based on a software issue with accepting one of the bank 's many requests for information... The processing system failed to submit it to underwriting and we had to call again to get it push through We submitted copy after copy and letter after letter And then finally in early XXXX We knew it was an underwriting and were expecting to be presented with a couple of options in the next 3 weeks due to unforeseen XXXX complications I ended up hospitalized For a few weeks and then delivered a premature baby. Obviously I was under medical care and staying with family so When I returned back home approximately 6 weeks later I was shocked to find a letter stating from early XXXX stating we had been approved for a XXXX modification pending proof of the awarded monthly XXXX benefits... Now granted this is 45 days later at this point Meaning we had already passed a 30 day mark XXXX mark and I'm scratching my head because I Knew that I initially submitted screenshots of my of my Minnesota state XXXXXXXX XXXX benefits in my original application back in XXXX bember and frankly never even knew what the federal additional XXXX funds were or when they were being added because it was part of the federal CARES act. No currently apparently I'm sitting with a letter of default andefault and after another 2 hour conversation on the phone with Lost medication I informed that our house is set for a sheriff 's sale on XX/XX/XXXX and the only way to to put a halt to it is to submit another another request for XXXX assistance and have a Complete application in with the company prior ire to 15 days before the date of sale meaning XX/XX/XXXX. it took me over 4 months to get the bank to consider our initial application complete how on XXXX would I be able to pull that off in less than 20 days!? Especially considering I had already submitted the requested document in my initial application but application! They make you jump through hoop after hoop As a means to make it almost impossible to satisfy their requests ... it's ridiculous! It's a complete case of the left side not talking to the right side and then telling me well there's nothing I can do about it Even though I had already submitted what they were asking for... | ||||||
| 08/13/2020 | Yes |
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| Dear CFPB agent, I opened a case with US bank and I was very frustrated on how they handled my case. It was a violation on my Client agreement with them when I opened the account and for some reason my account information or data was changed or manipulated by the bank 's Fraud Dept : 1. ) On Overdraft Coverage/Protection : I never opted for an overdraft protection when I opened the checking account I filed a case on, There was no verbal or written authorization from me. Despite that that they paid an ACH item for {$5000.00} on XX/XX/2020 that was unauthorized. They took {$4200.00} from our savings account to my checking account to cover a {$5000.00} ACH item that overdrew my account - {$710.00}. I made sure through online banking that I did not have an overdraft protection. I never had overdraft coverage on all our accounts and on XX/XX/2020 I received a message from the bank that my account was changed to a marked " YES '' for an overdraft protection coverage, this was the same date they denied my claim.I never changed any of my banking terms on-line. We can investigate on this and get an audit log of the who is made the changes. 2. ) On Alerts via text or email messaging : I opted for this and we've been getting alerts but not on the {$5000.00} item that was paid on XX/XX/2020. 3. ) On the Fraud Dept errors : I opened a case on XX/XX/2020 but it was declined then closed, and the item was returned with " insufficient funds ''. I was told that the item the case was opened with was the wrong item since there were other {$5000.00} items returned unpaid on the same date, also unauthorized. So they opened a new case on the correct item that went through and paid. XX/XX/XXXX. Then it was again declined and closed. There was a total of 4 cases opened and declined due to bank errors 4. ) On Provisional Credit : I have received the form to be signed a day before they expired for a provisional credit, this happened 3 times. To meet the deadline I faxed these signed forms at the branch. They also instructed me to send the original via certified mail and I did. They never gave me the credit despite their mistakes. This has been very stressful to me and I told them they will hear from my lawyers and will report them to CFPB. I want you to do what you need to do since you are the authority responsible for unethical and negligent acts of this financial institution. How they're handling the case and treating me has been discriminatory. I hope CFPB is far from discriminatory as expected. Mrs. XXXX XXXX XXXX ( XXXX ) XXXX Realtor/Loan Officer XXXX XXXX XXXX XXXX XXXX XXXX DRE # XXXX NMLS # XXXX | ||||||
| 05/16/2017 | Yes |
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| I got a dental XXXX XXXX XXXX repaired by a XXXX repair company.in XXXX XXXX . I originally sent XXXX XXXX to get repaired. The company contacted me back with quote to fix the XXXX XXXX . Out of the XXXX XXXX I authorized XXXX XXXX with specific size to be repaired and mentioned not to repair the other as I have other plans. But When I received the repaired XXXX back I noticed the wrong XXXX repaired which I did not authorize. I contacted the company and first they said they did what I asked them to do. Then later they sent me another email saying the XXXX I requested to repair was not repairable and they repaired the other XXXX without my permission. I asked for a refund as I did not authorize the repair. They refused. At that point I contacted US bank some where XXXX or XXXX XXXX ( I do n't remember the dates as it was all on phone and they have recording ) .They said they will send a questionnaire for me to fill and they are sending in mail. After waiting few months that I have not received any paper, they said because you did not respond they closed the case. I told them I never received any paper, plus I moved just in XXXX and some mail might got lost. They said to send the papers again, which I did revive and sent it. Again There was no reply, and month or so pass by. When I contact them they again said the same story they never received any thing and they closed the case. But they are willing to open it up again if I fax them the supporting documents from the branch. I went to the branch and faxed those papers. Do n't remember the dates but bank has all. Again no contact and when I contacted them they said ( spoke with supervisor XXXX ) that they never received the fax. I told them I did it from branch and branch know about it. After few days when I called again they said they made a mistake and the documents were received but not attached to the file. So I asked what next and they replied we will look into this. So after few days XXXX left me a message to call back which I did. she did not reply. Person on customer service said that basically bank left a note that now its too late they will not handle that. I told them how is it my fault. First I was trying to resolve the issue with merchant, then with the bank, how is it my fault. On XXXX XXXX they sent me a letter saying time was up, then they sent me another letter on XXXX XXXX that the documents lacks sufficient information and close the case I tried Calling XXXX from card member service on XXXX XXXX , and XXXX XXXX but she never answered. | ||||||
| 10/28/2015 | Yes |
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| My husband lost his job XX/XX/XXXX. We immediately contacted our XXXX mortgage companies in order to try to delay payments and/ or find out what options were available to help us while he was searching for a new job. XXXX companies had us start " loan mitigation/modification '' processes. Our first mortgage company worked with us to move our past due payments to the end of our loan and we were able to catch up after my husband was able to find another job XX/XX/XXXX. Our second mortgage company, US Bank, literally put us through months of paperwork, faxing at over XXXX pages of documentation, supposedly " lost '' the documentation, and had us re-submit it numerous times. In the end, it was a futile attempt to receive any type of help from that company. After we were trying to make extra payments, they recently refused to take '' partial payments '' and forced us to do the " loan mitigation '' process all over again, although none of the previous circumstances had changed that they turned down the first time we went through this. Because they would n't even accept partial payments while this was happening for months, this caused the past due amount to become even higher. They only ended up offering us what they called a " temporary payment plan ''. Our normal monthly payment was {$500.00} with an interest rate of 12.65 % and they want us to pay 4 times that amount at {$2100.00} a month for 3 months and if we do n't, they are threatening foresclosure on our house. We have received no assistance with the loan, because they give the main reason of it not being the " primary mortgage loan ''. It has always been our second mortgage in the form of a home equity loan that we have been paying on for years now. When they considered out situation and requested our financial information over and over, they only placed into consideration the amount we pay a month for our XXXX mortgages, no other loans or monthly expenses, to say thay they see a huge monthly " surplus '' that does not exist. We have a family of XXXX, with XXXX child in college, and there is no feasible way we can try to pay these amounts and still be able to pay our bills, gas and groceries. All we were asking for, for over 2 years now, was to get some short term help and US Bank has in no way made any attempt to help us through this. They have placed us in a very difficult position and only seem interested in putting us into foreclosure to take our home. That is the " threat '' they have stated in the communications multiple times. We feel helpless and do n't know who or where to turn to try and get someone to listen and / or help. | ||||||
| 05/06/2019 | Yes |
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| My mortgage is currently 4 months past due. I have spoken with multiple representatives in order to explain my situation and my attempt to catch it up. On XX/XX/2019, I called in to U.S Bank home Mortgage in an attempt to begin resolving the situation and attempted to make a payment for a month which technically would have brought me down to 3 months. I also informed them that the next payment would be at the end of the day on the 14th which would have brought me behind to two months. The representative I spoke with at that time stated that they could not accept my payment. I requested an explanation and he replied that they needed 2 payments at one time in order to accept the payment. I again explained that i had one payment and would make the other on the 14th. The representative again declined to accept my payment but stated that I would likely have until the 14th to make both payments as my account had not been prepped for foreclosure and would not actually go into foreclosure until month 6. I am NOT in month 6 He reported that he would send me a mortgage assistance application to complete and that would stop any further proceedings. On XX/XX/2019, another representative called me and I attempted again to make a payment which would have brought me down to 3 months, she refused to accept the payment stating that I needed 2 payments at one time. I again explained I would not be able to do that until the 14th. She stated that it takes 48 to 72 hours to send an assistance application and to send it back on Monday. Today which is MondayXX/XX/XXXX, I called in to receive password because I received encrypted mortgage assistance application. The representative informed me of my passed due balance and further told me that they referred my house for foreclosure on today and that if I didn't have a total of 2 months payment today, I would lose my home. She further stated that there was no need for me to complete the mortgage assistance application because it would not due any good a this point and unless I pay the entire amount that's past due, I would lose my home. The issue is one, I was told different information by the representatives and more importantly, by the mortgage company REFUSING to accept my payment, it pushed me into the foreclosure process. Additionally, I was told by a representative a week or so prior, that I can call in a payment and then they would be able to work with me to bring the account current. Again, in order to bring my balance down, I need to be able to make a payment yet the mortgage company declined to accept my payment forcing to possibly lose my home. | ||||||
| 02/25/2021 | Yes |
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| Hello, We are desperate and really do not know where to turn for help. Back in XXXX of 2020 we heard that because of Covid 19 and the nationwide shut down, mortgage companies were offering up to 6 month of ( deferred? ) payments. So we called US Bank and they agreed to let us take up to 6 months off with no payments. ( Our original mortgage was sold to US Bank. ) Neither of us had lost our jobs ( both XXXX ), but I lost some income as a XXXX and my wife was unsure what could happen with her job because it is a XXXX XXXX that relied on tuition, so heading into summer, it seemed like a smart thing to do. So fast forward to XXXX. We wanted to start paying again so we called them to let them know and to find out what to do. We were told that we needed to pay {$3600.00} to make up the escrow shortage and then our regular payments would start again on XX/XX/XXXX. So we paid the escrow. We made our regular payments in XXXX and XXXX, on time. We then got a letter saying our payments were late. This is where it gets crazy. We called and they said that the escrow payment was applied to the XXXX, 2020 payment and one of the regular payments was applied to XXXX. So this was a mistake on their part. To make a long story short, we have called them 12 times in the past 2.5 months. Each time it is a different person because they can never seem to find the last person. Also, each time, they gave a different explanation and claimed either they would fix it, or that someone would call back. They have moved payments around, but further messed it up. They even have a payment in " suspension account ''. We have talked to customer service, loss mitigation, escrow, and supervisors. ( I have names, dates, and notes for each call, most of which have been 2 hour ordeals. ) They have told me 6-7 times that they figured out, and 6 or 7 times that they would call back. It is not, and they do not. One person even told us to ask to defer payments again and then request a loan modification. ( And they never followed up ). I have talked to no less than 20 people. As of today, XX/XX/XXXX, I called again and was told a supervisor would call me right back. That was 2 hours ago. We have made regular payments every month since XXXX but they have us listed as 2 months behind. Also, my credit score dropped 100 points today, even though they assured me they would make sure this would not affect it. This has caused us a lot of stress and confusion as you can imagine. We would love to chat with you about this and we are willing to do anything at this point to let people know and to get this resolved. Thanks so much, | ||||||
| 12/17/2020 | Yes |
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| After XXXX XXXX XXXX lied about every aspect of their business, history, and proposed service, ghosted every attempt to contact them, refused to provide any service or correction to proposed service whatsoever, ghosted me every time I called, I filed a dispute against the initial deposit that was charged to my card to reserve their truck in SF the weekend we discussed for a move, a truck they neither owned or ever owned according to the XXXX XXXX XXXX. In fact, further DD on XXXX showed that they were a new business only recently registered before my initial contact, that a previous business name had nothing but XXXX, XXXX and upcharge complaints, that very little was legitimate about them. When I asked US bank ( XXXX ) whether I need to worry about the dispute or chargeback, they said not whatsoever. Knowing I needed to contract for another moving service and postpone my move for more than a month, I called XXXX again to confirm that I should and could do that, and they reconfirmed the efficacy of the dispute chargeback, at which time I extended my rent ( a little over $ 4k ) and contracted for relocubes from XXXX {$2800.00} and moving services at my place ( {$400.00} ). Last week, US bank sent me a letter to say they were reversing the dispute chargeback. They were vague about the reason why but included an estimate that XXXX had provided to them. It was created after the initial deposit had been made, which includes language and terms that were never agreed to, confirmed, or signed. In fact, even with the copy of invalid terms, XXXX has not performed a single task or service listed. Their service level and my dealings with them are detailed in another attachment letter. I truly feel they're a temporary entity created just to funnel customer acquisition to partner firms engaged in rogue moving scams. Every real ( they created XXXX fake reviews before the business was even registered as a business ) review on XXXX since has confirmed this. US Bank 's action not only makes little sense, their inconsistent messaging and reversal costs me an additional 5k+. The decision to walk away from XXXX and stay an additional XXXX XXXX months XXXX XXXX XXXX factored in original US Bank decision and the risk of being taken XXXX and XXXX, but I was happy with that decision ( paying the add'l rent and overlap ) to avoid a brush with a criminal organization. US bank 's decision to reverse the dispute not only costs me a deposit which I received nothing for except headaches and stress, it also cost me all my overlap costs because it was the primary factor for deciding to do it in the first place. | ||||||
| 01/06/2020 | Yes |
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| To whom it may concern, On XXXX XXXX, I opened a business account at U.S. Bank XXXX XXXX XXXX Missouri with my Partner XXXX XXXX XXXX, Her husband is the Manager of our Business named The XXXX XXXX XXXX and he also had signing authority. All three of us were signatures on the account. I became suspicious of financial misconduct in XXXX of 2019 and requested financial records and documents from my partner and manager. Please note I am a 50 % owner. The manager is NOT an LLC member but a Employee. When I requested these records they refused to provide them and I hired an attorney. On XX/XX/2019, My Attorney XXXX XXXX sent a demand letter to the Manager XXXX XXXX and XXXX XXXX the other 50 % owner. This was still refused. I went to U.S. Bank to obtain cancelled checks and bank statements that were being sent to the NON operating address of XXXX XXXX and not the Company Address. When I presented to the Bank I was told that the parties had presented to the bank and stated there was a fight over the company and they removed me from the account without my signature or permission. also Please note ... They did not withdraw the money and open new accounts, they removed me from the business account against my will. I filed a complaint with US bank and requested documents from when I was an account holder and also anything I had supposedly signed. The bank refused to provide me with copies of anything holding my signature or any bank records from when I owned the account forcing me to go through the legal system 's long drawn out process to obtain these documents. To this end, due to the court system and after my attorney has even called them, I still do not have these documents and they repeatedly refuse to provide me with them despite being legally entitled under Missouri Law. As such, it has been discovered that the above mentioned parties have used this bank account to divert moneys to other accounts for the purposes of Fraud and Embezzelment. Multiple lines of credit have been opened in the companies name without my consent. Now, because of such delays, they have continued to use this account to Embezzel funds, run a payroll fraud scheme and the company and myself are financially harmed. I suspect that the Business Bank person " XXXX '' who removed me at their request without any signature, is involved. These people have Multiple shell business accounts at this bank. These businesses do not have employees and are utilized for tax fraud. Multiple employees have discovered Taxes withheld and stolen from them. This bank has damaged everyone and they are involved in the misconduct. | ||||||
| 01/06/2020 | Yes |
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| On XX/XX/XXXX, USPS delivered a letter of correspondence to my home address from U.S. Bank Home Mortgage company requesting a W-9 Request for Taxpayer Identification Number and Certification. I DO NOT HAVE A BUSINESS, and WILL NOT SIGN OR CERTIFY that I have a business as requested by U.S. Bank. In contacting U.S. Bank three times on XX/XX/XXXX, this mortgaging company FAILED TO BELIEVE ME that I DO NOT HAVE A LICENSED BUSINESS. I spoke to the front line customer service rep. informing him that my 'part-time seasonal business of XXXX XXXX XXXX XXXX was TERMINATED legally with the IRS as of XX/XX/XXXX ' ( home based business ENDING XX/XX/XXXX ), and that I will NOT admit to owning or operating any business now with completing the W-9. U.S. Bank made every effort to manipulate me into putting my Social Security Number on the W-9 Form, Signing it, and returning it. The IRS informed me by doing so would be admittance to owning a business, after confirming that the IRS NEVER CONTACTED U.S. Bank requesting that the W-9 be completed. U.S. Bank letter dated XX/XX/XXXX states, " The Internal Revenue Service ( IRS ) requires that we obtain verification of your Taxpayer Identification Number for your account. '' I DO NOT HAVE A TIN and I can only assume that U.S. Bank means my mortgage account with them. U.S. Bank goes on to write, " Please note that the IRS requires you to provide us with your correct Taxpayer Identification Number and that you are subject to {$50.00} penalty imposed by the IRS under Code Section 6723 if you fail to provide us with a correct Taxpayer Identification number. '' The IRS NEVER Contacted U.S. Bank, and per the IRS Clause of Confidentiality, the IRS would NOT access a penalty fee. U.S. Bank is acting Fraudulently by LYING that the IRS requested this W-9. The IRS NEVER REQUESTED THIS W-9, would not share my information to any 3rd party without written permission from me. U.S. Bank is fraudulently LYING to purposely gain money of {$50.00} from it's mortgagee ( s ), THREATENING me, the customer with an IRS fabricated LIE. Again, I do NOT have a licensed business or any business, and my former XXXX XXXX XXXX XXXX business was terminated in XX/XX/XXXX. I will NOT sign a legal document of the W-9, admitting to a business when I do NOT own a business now and NOT for the last 12 years. U.S. Bank should be sued for LYING by claiming the IRS requested this information, when the IRS never contacted U.S. Bank, and should further be penalized for falsifying and threatening an account holder of an IRS Penalty of {$50.00}, when this claim was solely created by U.S. Bank. | ||||||
| 03/13/2018 | Yes |
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| I received an email offer from XXXX for their XXXX Rewards VISA card on XX/XX/XXXX and again on XX/XX/XXXX. The offer stated that if you applied for the card byXX/XX/XXXX, get approved, and spend {$200.00} in net purchased with 40 days, you would receive {$100.00} cash back automatically. I responded to this offer prior to the deadline, was approved, and spent significantly beyond the {$200.00} in 40 days. After the 40 day spending period, I would check my monthly statements to see if the credit had been placed. By the time I received my XX/XX/XXXXbilling, the credit had not been placed on my account. I called their credit card customer service on XX/XX/XXXX and they have no record of that offer that I had signed up for in their records database. I was instructed to provide a letter and a copy of the original email offer to them via fax, which I did later that same day. I received a response letter dated XX/XX/XXXX ( the next day after receiving my documentation ) that they were denying my " ... request to apply for a different enrollment offer. Unfortunately, we are unable to change your enrollment offer if your account has been open longer than 120 day. Therefore, since your accounted was opened on XX/XX/XXXX, we are unable to process your request. '' This was not what I asked for. I simply asked them to honor their offer as I had meet the terms of the offer. I called the credit card customer service today, XX/XX/XXXX, and spoke to two representatives, the 2nd of which was a supervisor. They stated that since it was now past 120 days since the account was opened, they could not honor the offer. I asked them what I could have done differently in order to insure that XXXX Rewards would have honored their end of the offer. They stated that I should have been more diligent and checking to see if the credit had been applied and should have called in to speak to customer service. Really? I am expected to babysit them to insure they honor their own terms and conditions? In the conversations with customer service representative, at no time did anyone say that I actually did not meet the terms of any condition of the credit card offer. What they did do was cite their own internal policies that no one outside of their company would have any knowledge of. The supervisor person said she could approve a {$50.00} credit in order to meet me " half way ''. I told her I would take that but that I still was not pleased that they were not willing to honor the offer originally sent to me of which I meet all the terms and conditions. They took a hard stance that this was the " best '' they could do. | ||||||
| 10/15/2016 | Yes |
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| I had a checking account with US Bank and I think they have stolen/lost {$6000.00}. I moved to New York and they did n't have any branches there. I needed to pay rent on an apartment and I could n't do a bank transfer because of cash withdrawal limits, so my plan was to order checks, write one out to myself, cash it at a local bank nearby, and get a certified check to pay rent. I asked the representative if they could waive the check fee, and they said they could n't, but a supervisor would help. The supervisor promised to waive the fee. When I called back about if the checks were mailed, they said they were n't, and that waiving the check fee was impossible. When I told them another supervisor had promised to waive the fee, they did n't believe me. I asked them to mail the checks again, this time with the check fee, and they said they would, but never did. In frustration I asked them to close my account and mail me the balance, which was about {$6000.00}. They said it would take 3-5 business days to process, and another few days to reach me. I made the request on XXXX XXXX, 2016. I waited 3-5 days later. On XXXX XXXX I asked about where my check was. They said it was " mailed '' but had no record of when it was mailed or if it was mailed. I waited again until XXXX XXXX, 2016 -- which would have given the postal service 4 days to send it -- but no check arrived. I called, and they said sorry, that it was mailed, but provided no proof it was ever mailed. They even started to question which money I was talking about. I went online to pull my checking account statements, but because the account was closed, they pulled all my statements offline and I have no records online of my checking account even existing. This is starting to border on theft, and I 'm frankly frightened they 've lost {$6000.00}. They said they would look into it further, but this is n't good enough. I 've waited over 14 days for this money, and I have rent and bills to pay. The fact that all my records are gone online without warning that they were taking it off the internet, the fact that they have no records of ever mailing the check, the fact that I have yet to receive the check, is very very troubling and bad customer service. By the way, there was no miscommunication about my address. At a minimum, when they 're mailing a certified check of that amount of money, they should have a tracking number in place so that these issues do n't happen. Given the XXXX XXXX fraud, I would like the CFPB to investigate this issue further. I 've been on the phone with them at least 10 times in the past week, and I 'm exhausted. | ||||||
| 04/18/2023 | Yes |
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| On XX/XX/XXXX of XXXX I went to a US BANK branch to open a brand new checking account. As it's very usual between banks, I found out on their website that there was a first account bonus of {$500.00} that was being offered from US BANK at that time so when I was opening the account at the branch, I told the US BANK branch manager that I would like that bonus applied to my account, so he looked up on his US BANK system and made sure the bonus would get applied, no problems at all. After meeting the requirements to receive the bonus, which at that time was receiving {$6000.00} or more from direct deposits, I called US BANK customer service wondering when I was going to receive the bonus, and that's when things started to get bad. The customer support representative told me that the bonus code applied to my account was from an older promotion that was already expired and that I should contact the branch that opened the account for me, and that's what I did. When contacting the branch, I explained to them the situation and showed them that the bonus code that was applied to my account was already expired at that time ( XX/XX/XXXX ) and that the correct one was another code ( the XXXX available from their website at that time ). This was basically a mistake from the US BANK manager when opening my account. The response I got from them was that they had contacted the department responsible for promotions and basically the promotion that I had found on the US BANK website, open for everyone to see, was a promotion made for specific people only and that if I don't provide proof that I was meant to receive the promotion, I wouldn't be getting the bonus. After getting that response I could not feel more deceived. First, I found the bonus on their website open for everyone to see. Second, the manager does not tell me anything about it and says that the bonus would be applied. Third, out of nothing they tell me I wasn't meant to be receiving this bonus. The funniest part is that I told XXXX friends about the US BANK first account bonus and all of them went on XXXX to open their account and guess what? ALL OF THEM received a first account bonus on their account. I don't know what is up with US BANK first account bonus, sometimes they decide it's for everyone and sometimes they decide that it's just for a specific group of people. I can't express how disappointed I am, if someone had explicitly told me that bonus wasn't meant for me, I would just have gone to another bank. I was a victim of a false advertising. I was misled into believing that I would get a bonus from opening an account. | ||||||
| 10/17/2019 | Yes |
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| This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. YES! I KNOW! WHERE DID IT GET SENT TO!? I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. That is only part of it. I DID link my XXXX XXXX account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. I've only had this card for 5 months and it's literally been XXXX. I'd really like, more than anything, to know what they did with my initial {$400.00}. And I'd like to know how they justify treating human beings so horribly. | ||||||
| 02/19/2019 | Yes |
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| I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card. | ||||||
| 06/07/2016 | Yes |
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| I was harassed repeatedly by this debt collector, even after I 'd formally requested contact to cease ( was considering bankruptcy ). I reconsidered and enrolled in college to allocate upward mobility and eventually alleviate my debts. A questionably documented suit ( for which I was never served papers ) against me was filed in XXXX but no action was taken ( obviously ) until seven days ago ( MORE than three years afterward ). " Judgement '' was awarded in favor of the debt collector and my bank XXXX XXXX XXXX XXXX Bank ) allowed my ENTIRE account balance-holding my livelihood to be seized. I had contacted the collector the same day my account was frozen and informed them the entire contents of my account was from Federal Student Aid and Federal Work Study, the debt collector/attorney response was obvious irritation at his lack of legal grounds. His responses were then short, informing me to contact my own attorney before the seizure commenced. He implied there would be no action from his firm to stop the what was already set in motion. I received the certified letter of garnishment two days AFTER my account was frozen. I JUST TODAY at the end of my " grace period '' received my bank 's process of the paperwork ( which contains no state seals whatsoever ) and their decision in the matter. Currently, I am in the middle XXXX and the time limit given to me for my resolution of the issue was impossible for my success. The process of allocating legal assistance as well as frantic damage control from the impending financial ruin ( homelessness, loss of continued education, ETC. ) that seizing my entire account 's contents has caused, unfortunately has exceeded the timeframe of a week. PLEASE keep in mind the process began midweek and those seven days included XXXX weekend and this past weekend-I literally had two business days. I am NOW currently unable to feed myself, purchase the means to continue my education, and facing eviction because my account 's balance, which has ( since XXXX ) 100 % federally funded ( XXXX XXXX XXXX Bank ) account is now negative. Federal student aid and Statewide grants are EXEMPTED from garnishment! I have US federal government issued documents and statements, XXXX XXXX XXXX Bank monthly statements, financial award letters, countless emails, and numerous documents ( including but certainly not limited to the IRS, XXXX accredited educational institutions ( A prominent XXXX college and the state university ), ETC. proving the validity of my statements of this illegal seizure. My rights and welfare has been grossly violated with this POORLY handled affair. | ||||||
| 08/06/2019 | Yes |
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| I'm receiving unemployment benefits in DC. I recently opened a new checking account, so removed my old banking information in my DOES account. I received a paper check for the week I removed my direct deposit information and, apparently, the following week 's claim was loaded onto a prepaid debit card issued by XXXX/US Bank. I wasn't aware that I would be receiving a debit card in the mail, until I received a notice last Friday, XX/XX/XXXX ( typically funds were direct deposited into by bank account every Wednesday and the live check was delivered on a Friday ). Clearly, I was expecting the funds on XX/XX/XXXX but hoped the debit card would come in the mail the following day. When the card didnt arrive Saturday, I called DOES Monday. After being transferred to XXXX/US Bank, the customer service rep apologized and said if the card didn't arrive with the mail that afternoon, they could overnight a new card. The card did not arrive a Monday, so today ( Tuesday ) I called back to request a new card. I had to speak with several people ( five total ), all giving me different/contradictory information. I was told the original debit card was requested on XX/XX/XXXX and should have been delivered by today ( XX/XX/XXXX ). I was also told that tomorrow, XX/XX/XXXX, would be the 10th business day since the card was processed so it could arrive tomorrow. Someone else told me the window was actually 5-7 business days. Then I asked about overnighting a new card. I was told that would cost ME {$25.00} ... ..I shouldnt have to pay for a new card that seemingly was incorrectly processed. Then the next person I spoke to, told me my address was wrong in their system ( I had to verify my address with each person I spoke with and none of those agents flagged my address as incorrect ). I was confused as to how my address could even be wrong, since it is correct in the DC DOES system ... ..then that agent decided to deactivate my card, so even if it does arrive with the mail I wouldnt be able to use it. Then the next person I spoke to told me that my address wouldnt be updated until XX/XX/XXXX and, at that time, I could request a new card ... ..She said I could send a fax to verify my new address to expedite the process but I believe this is an unfair tactic as I shouldn't have to verify an address that they had wrong in their system. I have been without my unemployment benefits for days at this point, and it's unclear when I will be sent a new card ... ..this is absolutely ridiculous and I access to my money now ( or within a reasonable amount of time. NOT in seven days plus 5-7 days for shipping ). | ||||||
| 08/14/2023 | Yes |
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| US Bank in our opinion purposely misled us by placing a hold on the foreclosure processing and offering a new Stand Alone Partial Claim Agreement with a trial period payment plan. This was US Bank written solution to our CFPB Complaint in XX/XX/XXXX. US Bank failed to return the new loan documents to finalize the agreement. They failed to notify us of any new changes or termination of the offer. They failed to notify us that the foreclosure hold was removed and the account is currently in foreclosure proceedings. They failed to inform us of the derogatory marks and remarks US Bank supplied to the credit reporting agencies. They continue to abuse and misuse our available partial claim funds. After several notices from US Bank informing us about our credit score, we took a look at our credit reports. We chose XXXX since that is the CRA US Bank chose to use. XXXX credit report showed a past due amount of {$17.00}, XXXX and a comment stating, " paying under a partial claim agreement ; 180 days or more past due. '' It gave the appearance that the new partial claim agreement had been approved and the account was brought current with the partial claim funds. We decided to look further and Experian credit report showed " foreclosure proceeding started XXXX, XXXX past due amount {$18000.00} ; account is scheduled to continue on record until XXXX, XXXX. We found out that our account was in foreclosure proceedings and the previous hold had been removed by reviewing our credit report. US Bank led us to believe everything was fine. We called US Bank in XXXX, XX/XX/XXXX. Lastly on XX/XX/XXXX when we made our payment it was communicated to us again that the account was still under review by their investors. Needless to say it appears the investors had already made their decision about our account based on the credit reports. What's really mind blogging is nothing was mentioned about the foreclosure proceedings nor termination of the offer when we inquired about the new loan documents. We do not understand why the US Bank refuses to bring our account current. We have enough partial claim funds available for them to do so. We don't understand the deception. We are first time homeowners, senior citizens, and people of color. We have become distressed over this matter and now we feel like we are being taken advantage of. This how we found out about the new foreclosure proceedings. The XXXX credit information The account was in forbearance and we were of the understanding that it would not be reported delinquent for the purposes of credit reporting due to COVID-19 effects and after effects. | ||||||
| 10/05/2022 | Yes |
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| Since moving into my home, I have had issues with XXXX the management company of my HOA. The account number they gave me was invalid thus making it difficult for me to pay online. They did not send statements and so was it incredibly difficult to confirm the payments until the quarterly statement arrived right before payment was due. I then started sending the payment through my credit union 's bill pay to ensure timely payment. In early 2021 I received a noticed that I owed a {$70.00} payment. I informed the XXXX that I would research with my bank since my statement showed that the payment went out. With COVID still in effect it was not business as usual at the credit union so it took a couple of weeks to get the report. Soon after I sent the payment details, I received a letter from the attorney for the HOA. The amount had grown to {$480.00}, I sent them the details from the bank and the amount grew then to {$860.00}. I then overpaid my HOA fees and was running a credit but that did not matter to the attorneys. Even with all that the amount then grew to {$3200.00}. This is when I decided to get an attorney because they were threatening a lien against my home. Unfortunately, the nightmare was just beginning for me. The attorney noticed that the lien was not properly executed and that the HOA attorneys had violated a Florida law and the Fair Debt Collection Act. XXXX XXXX never contacted me to see if the debt was valid. They instead paid the {$3200.00} and added it to my escrow which in turned messed up the negotiation that my attorney was working on. I only learned about this because one of the attorneys in the HOA law office felt sorry for what had been done to me and contacted my attorneyXXXX XXXX XXXX never called and never provided a letter, phone call, or an email on the matter. We had to file a Fair Debt Collection lawsuit and I advised them providing the case number. They called and said that they would put the account on pause while I worked out the matter. Sadly, they continued to call me five times a day and loaded the account with late fees. They also reported me late even though I continued to make payments every month. I've written twice to their corporate office and sent several emails. It is always the same the form letter stating that customer service will look into it followed by a letter two weeks later stating we looked into it and the HOA lawyers gave us ten days to render payment to them. I believe ten days is enough time to contact your customer by letter, email, mail or phone. They have been bullies, they answer is always WE ARE BIG and you are not. | ||||||
| 06/08/2023 | Yes |
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| Dear XXXX, I, XXXX XXXX XXXX XXXX am writing to file a formal complaint against USBANK regarding my mortgage loan for my primary residence located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX The loan number associated with this mortgage is XXXX. I would like to provide a brief overview of the circumstances leading up to this complaint. My husband lost his job during the COVID-19 pandemic, which significantly impacted our financial stability. To address our delinquency, we entered into a repayment plan with USBANK, where we were making double payments in an effort to catch up on our mortgage payments. We were making positive progress until the onset of the pandemic. After the economy began to reopen, we initiated multiple loan modification applications with USBANK. Regrettably, our requests were repeatedly denied, and we were only presented with short sale options as alternatives. Despite my husband actively seeking better job opportunities and taking on higher-paying roles to improve our financial situation, USBANK continuously instructed us to reapply for loan modifications as our income fluctuated. The loan modification process has been protracted, spanning over two years, during which USBANK consistently denied our requests on the grounds of both insufficient and excessive income. We were not informed about the availability of the California Mortgage Assistance Program until we had already accrued an outstanding debt of over {$80000.00}. Had we been aware of this program earlier, we could have availed ourselves of its benefits and avoided the current predicament. Moreover, USBANK 's refusal to allow us to make regular payments throughout the modification process has further exacerbated our financial difficulties. Despite our requests, they did not grant us the opportunity to resume making our mortgage payments, which has placed us in a distressing position. This property holds significant sentimental value to us as it is the home where our children were born and raised. However, with the burden of high-interest rates and the current circumstances, we are concerned about the possibility of never being able to purchase a home again. All we desire is an opportunity to regain financial stability and resume making regular mortgage payments. In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate our complaint against USBANK and take appropriate action. I believe USBANK 's handling of our loan modification requests has been unfair and has caused undue financial and emotional hardship. | ||||||
| 09/02/2023 | Yes |
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| My U.S. Bank credit card was charge {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. I approved both of these charges through XXXX XXXX XXXX purchasing online for a total of {$500.00}. Then on XX/XX/2023, my credit card was again charged {$360.00} as a fraudulent/duplicate charge. I called U.S. Bank right away and started a fraud claim since I didn't not approve a 3rd charge and did not make another purchase besides the original 2 purchases. U.S. Bank started the fraud claim and gave me a provisional refund of {$360.00}. XXXX XXXX XXXX does not show any 3rd transaction or duplicate transaction of any kind from XX/XX/2023 in the amount of {$360.00}. XXXXXXXX XXXX XXXXXXXX only sees the first 2 transactions that I purchased and approved of {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. XXXX XXXX XXXXXXXX does not see any transactions on XX/XX/2023 for the additional {$360.00} in their system per the XXXXXXXX XXXX XXXXXXXX customer service team member on the phone. U.S. Bank provided me with the signatures from the product delivery for the XX/XX/2023 and XX/XX/2023 transactions, but did not provide me any documentation for the {$360.00} charge on XX/XX/2023. U.S. Bank also did not provide transaction information that was readable when I requested a copy of their findings be emailed to me. XXXXXXXX XXXX XXXXXXXX states that since they couldn't find the delivery confirmation for one set of flowers, XXXXXXXX XXXX XXXXXXXX credited me {$260.00} from the original charge of {$360.00} on XX/XX/2023. U.S. Bank took this as a partial credit towards the XX/XX/2023 charge, and then U.S. Bank charged me again the {$260.00} on XX/XX/2023, even though the XXXX XXXX XXXX credit XXXX XXXX XXXX was refunding on the original purchase and payment made on XX/XX/2023 and not the 3rd fraudulent/duplicate charge on XX/XX/2023 since XXXX XXXX XXXX has no transaction on their side of the 3rd charge on XX/XX/2023. I have talked with numerous U.S Bank employees on the phone regarding this issue and asking that the fraudulent/duplicate charge be removed since I did not purchase anything for the 3rd charge and I did not approve that charge. I have also tried to explain to several U.S. Bank employees that the credit from XXXXXXXX XXXX XXXX was intended by XXXXXXXX XXXX XXXXXXXX to be credited to the original purchase on XX/XX/2023 and not the fraudulent/duplicate charge on XX/XX/2023. The U.S. Bank Visa credit card team member manager XXXX screamed at me on the phone and stated I must write or fax the Office of the President to be able to speak to her boss regarding this situation. | ||||||
| 12/15/2022 | Yes |
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| On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation. | ||||||
| 03/23/2016 | Yes |
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| I am in the process of purchasing a home through US Bank. I am in a US Bank American Dream Loan which is suppose to help low-income buyers, like myself, obtain a mortgage. This is not what is happening with this loan product. I have been through this program two times and I still do not have a home. I have lost thousand of dollars because the bank does not explain, in details, the full process of the American Dream Loan. They do not tell me that any repairs are over {$4900.00} will turn the loan a rehabilitation loan. They do not tell me that if the amout of repairs over the appaisal value will have to come out of my pocket regardless of whether or not the repairs are under the {$5000.00} mark. They do not tell me the process for the American Dream Loan will take more than three months to complete because you have to find your own licensed contractor to do the work that bank is requiring. Why does n't the bank have a list of contractor who have worked with the program and bank to facilitate an easier process. None of this information was given to me at the time I applied the first time for the loan. It was only after 7 months of trying to purchase a home did US Bank give me this information along the way. Over the course of those 7 months did US Bank reveal to me pertinent information little by little. They are leaving information out to be spread over the entire process and this caused me to waste myr time and my money. I was not able to come up with an additional XXXX % when I had paid for all the prepaids and only had my 3 % down payment. Based on these scenarios, the American Dream Loan is not for low-income buyers. In my opinion and experience with the process, it seems that low-income buyers within the central city do not have a chance XXXX of completing this loan based on the housing condition in the central city. Most low income buyers are unable to get a conventional loan. The large number of affordable homes for myself in the area will need required repairs ( over {$4900.00} ) and these repairs are over the appraisal value ( which most will be ). This is my second time around in this loan program and I still can not get to closing. I just want to close on the property, pay my mortgage and live my life. US Bank should be ashame of leading low-income buyers on with this program while the buyer loses thousands of dollars. This program does not help the low-income buyer nor is the information about process of this program divulged to buyers. The American Dream Loan should be investigated. I am sure I am not the only buyer who is or has gone through this with US Bank | ||||||
| 08/27/2018 | Yes |
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| Im contacting you regarding in proper banking practices regarding Us Bank home mortgage I have had my mortgage with this company since XXXX I have a serious health problem that I knew would result in XXXX and cause sometime off of work. Therefore, I made payments in advance in order to prevent and payments being missed. I did have my XXXX, and within the week my phone starts ringing about my mortgage payment I told the representative about my advanced payment but some how the advanced payments werent applied anywhere to my mortgage. I requested a payment history report. I was shocked the way this bank was applying my payment and moving money around in my account. Escrow payments are being moved into a advance payment accounts and then that money seems to disappear from my account. My payments are being placed in a suspense fund, them being moved to make payment to the account and then collecting additional late fees twice on the monthly payment. When the money is moved from suspense the payment dates dont change cause the same month to be paid multiple times. I have provided several examples of my payments being misapplied but nothing is ever updated or changed. All the payment history reports clearly show the misappropriation of fund, yet my account is never updated or changed it. Clearly this company isnt interested in excepting responsibility for their actions and correcting the problem. The company also returned my monthly payments I was making during this supposive investigation causing my payments to fall behind. I feel their only interest is to colect more fees and cause foreclosure due to the equity I have in my home. Also in XXXX after losing everything we owned in a historic flood, my insurance benefits had to be sent to the bank for them to release the money for our home repairs. Once the bank received our insurance check they refused to release my insurance money for home repairs until we where 90 % complete. Therefore I had to remove all money from a XXXX and max out my credit cards to rebuild my home while the bank held my money!! We never missed any of our payments during this devastating event We have been good customer to this bank, I feel a complete review of their policies and banking practices need to be investigated. I feel as a consumer my family is being taken advantage of by this institution and feel we are being bullied with foreclurer on a account that isnt past due All of the year end statement this company provided shows overpayment on this account every year as well as missing money from escrow, advance payment accounts and my suspense fund | ||||||
| 12/21/2020 | Yes |
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| To whom this may concern, I originally opened an account with the terms that included an account bonus of $ XXXX an email confirmation is pasted below. After completion of both Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening and Enrolled in E-statements by XXXX within the timeframe no bonus was given. Multiple calls were actioned between XXXX of XXXX lead to multiple escalations as well as complaints that were never actioned- this was in addition to multiple dropped calls as well. The account will be closed on my end due to lack of transparency as well as lack of assistance from their end. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Hi XXXX, Hope youre having a great day today, my name is XXXX and XXXX be your Account Setup Coordinator for this application! XXXX Thank you for choosing U.S. Bank, your application was approved and we have opened the following account in your name : U.S. Bank Gold Checking Account # ending in XXXX ( if you didn't catch the full account # from the application, I can provide it after verifying over the phone ) * We also received your completed signature card, so you may now begin using your account ( I've also attached some tips ) * Product Notes : Note regarding the promotion on your application : XXXX - XX/XX/XXXX / Earn {$300.00} for opening a Platinum Checking / Gold Checking / Easy Checking Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening Enrolled in E-statements by XXXX It's been my pleasure to assist. As your account coordinator I want to exceed your expectations, feel free to email or call with further questions over the next couple of weeks. We really care about your experience with U.S. Bank : There will be a quick survey you'll receive that's specific towards your experience with any of my calls and my emails ; my goal here striving for success is to receive all 9 's or 10 's If you have any other feedback about this onboarding process or feedback about U.S. Bank I'd love to hear about it via email. Have a fantastic day! Sincerely, Available XXXX EST M-F / *** I hope that you and yours stay safe during this pandemic, I want to make this process as effortless for you as possible / We are experiencing higher than normal volumes and will return your call or email as soon as possible / My manager info as a secondary means of communication in case Im out of office : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account Setup Coordinator | Virtual Deposit Operations XXXX option 3 use my direct extension XXXX | XXXX XXXX | ||||||
| 02/25/2020 | Yes |
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| I recently learned of some transactions that occurred during XXXX and XXXX on my checking account with US Bank that I did not take part in. There were purchases at XXXX XXXX and XXXX, neither of which I actually visit nor shop at personally. I did not notice these transactions until early XXXX for a few reasons : 1 ) Notifications via text for any purchase always seem to get disabled by US Bank and are never reliable. Every time I turn on text alerts they somehow turn off in a week or two. 2 ) I did not regularly check my account balance as I had a second job during the holiday season and wasn't considering the fact that I may have trouble with low funds or unauthorized purchases 3 ) I made a large number of purchases during this time for XXXX and didn't notice these whenever I did take the time to quickly peruse the US Bank app I filed a fraud complaint with my bank and they made no effort to contact me ; it was only after calling in after 15 days ( when I was told I would have provisional credit within 10 ), that I was told it was closed and the only details were 'invalid facts ' because debit cards with chip readers can not be counterfeited, and these were PIN-based transactions, or similar wording. I received nothing in the mail or no communication otherwise. I did not make these purchases, however, the person most likely responsible is the one and only person who had actual physical access and use of my card, which was my partner at the time. We lived together, shared expenses, shared bank and credit cards with each other when the other needed help, etc. We trusted each other obviously because we had been in a relationship for several years. This is the only person who could have done this, and while I believe she had to have, I am also not willing to ruin this person 's life by providing her name and contact information because despite no longer being together for unrelated reasons, I don't want to bring this kind of situation down on someone I spent part of my life with, even though she has to be the responsible party. I have been with US Bank for ~16 years and they have always been helpful with any and all of my issues until now, but it only takes this one situation to make me want to leave unfortunately. It's ~ {$300.00} that added up over 7 purchases between XXXX and end of the year. Details below. XX/XX/XXXX - XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX 'XXXX - {$110.00} XX/XX/XXXX XXXX XXXX 'XXXX - {$55.00} XX/XX/XXXX - XXXX XXXX - {$18.00} XX/XX/XXXX - XXXX XXXX XXXX {$40.00} XX/XX/XXXX - XXXX XXXX XXXX {$69.00} XX/XX/XXXX - XXXX XXXX - {$4.00} | ||||||
| 03/11/2022 | Yes |
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| PLEASE HELP ME!!!! I am being discriminated I believe I am an existing customer with US Bank HOME loan XXXX, about 2 month ago I had started working with XXXX XXXX in order to refinance my loan with cash out option of XXXX mill NEW LOAN XXXX, My loan has been declined several times After having no luck getting clarity of how my DTI/PTI income and expenses are being calculated, I had escalated the issue to her XXXX XXXX XXXX and his Boss XXXX XXXX I had asked XXXX to assign a new Loan Officer, he had refused to do so and he had been covering up lies from XXXX. XXXX and XXXX for weeks had refused to provide any details and were declining my loan stating I did not qualify for it when I had confronted them several times I was accused of being a bully. When I asked for transparency to see the numbers they had refused to provide them to me, again I was very cooperative and provided all the docs that are needed but they had refused to consider them even for a straight out refi without cash out. Earlier last week XXXX called me and started to go over my Income, then I found out that multiple discrepancies such as : 1. income from rental home was ignored 2. 1099 income from XXXX XXXX fund and XXXX XXXX was ignored 3. My wife has XXXX jobs, one of them from Dr.Yesin was ignored 4. College loan for my son instead of XXXX per mo. payment XXXX was used When I confronted XXXX about discrepancies and asked him to provide the total breakdown of XXXX in writing via email or XXXX to my home he started to yell at me and later promised to share them which he never did. XXXX then proceeded to call me several times this week and started to threaten me, he promised to me that I will never get my loan approved and called me several profanities. I had received a letter today from US BANK that include false reasons to decline my loan which are both COMPLETE LIES : - INCOME INSUFFICIENT FOR AMOUNT OF CREDIT REQUESTED -UNABLE TO VERIFY INCOME 1. Where is the breakdown for my XXXX that I had been requesting for over 1 month for cash out refi vs straight refi scenarios that I can review? 2. What does it mean unable to verify income? What income are you not able to verify? XXXX. Why additional income : from my wife 's job XXXX XXXX, 1099 from XXXX and XXXX debt fund was no used even though paystubs and statements were shared? 4. Why mo. payment from my sons ' college was used incorrectly with XXXX mo. payment vs XXXX that was used, even though statement was shared? I believe I quality for the refinance loan and ask to be treated fairly. Please help me and reach out to me if you have any questions. | ||||||
| 11/10/2023 | Yes |
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| I opened a {$250000.00} Home Equity Line of Credit ( HELOC ) with Union Bank about a year ago. I hoped to use the funds to pay for a long-needed backyard renovation. I set up automatic electronic payments though my XXXX XXXX XXXX checking account and the process had gone exceedingly smooth until the takeover by US Bank. US Bank has failed to consistently apply submitted payments to my HELOC account, as will be demonstrated below and in the attached document, and as a result has my account in a locked paydown status. If US Bank had consistently applied the payments they received from me, my account would not have met the standard for paydown status and therefore should be reopened immediately. It is highly understandable that when two big complex organizations come together, there will be issues, inconsistencies and things falling though the cracks. US Bank clearly has these issues but have failed to own up to them. I have met at least three times with the Branch Manger at the XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) and another three times with his colleague XXXX XXXX ( XXXX XXXX ). Both have made a dozen calls within their organization to advocate on my behalf, without success. The consistent message has been he is responsible for keeping the account current and once an account is in paydown status there is nothing we can do ; you would need to apply for another HELOC. I would agree that it is my responsibility to keep the account up to date, but would add that US Bank has a responsibility to credit payments to my account when they receive them, and they have a responsibility to have a smooth handover when acquiring another institution. This is the dispute between the bank and I. I dont believe its my responsibility to overcome their inconsistency and operational clumsiness in merging with Union Bank . I ask for your help in applying some reasonableness to the situation and returning my account to good standing. The below is a log of payments made to Union Bank via XXXX XXXX XXXX electronic transfer bill pay to Union Bank Account Number ending in XXXX. All payments were submitted in the exact same manner, payee, and account number. Date Amount Status XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$150.00} Credited XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$5000.00} Not Credited Returned 26 Days later XX/XX/XXXX Changeover from Union Bank to US Bank XXXX {$1300.00} Not Credited Returned 11 days later XX/XX/XXXX {$1300.00} Credited t XX/XX/XXXX {$1300.00} Not Credited. XXXX {$1300.00} Credited to my HELOC | ||||||
| 07/02/2023 | Yes |
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| Sometime near the end of XXXX, I received a piece of direct mail ( see attachment ) that came jointly from State Farm ( the insurance company I use ) and US Bank ( a bank I had never heard of or used before. ) The mailer stated the following : " Earn {$500.00} Deposit Account Bonus with a new U.S. Bank Business Checking account. Follow these three steps to qualify : 1. Open a new U.S. Bank Silver, Gold, or Platinum Business Checking Package using promo code XXXX. 2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or the U.S. Bank Mobil App within 60 days of account opening. '' After opening the account, I experienced extreme difficulty funding the account with the {$5000.00} amount due to errors beyond my control at the bank. By the time I was able to get the correct amount into the account, the 60 days had passed. After many phone conversations, including with a call center manager who confirmed it would never happen, I finally gave up on ever receiving the {$500.00} bonus that was promised. A week or so later, I received a phone call out of the blue from someone at US Bank who had reviewed the recordings of the phone conversations and the records of my account. She apologized profusely about the problems and promised that I would indeed be eligible to receive the {$500.00} bonus. After transferring {$5200.00} on XX/XX/XXXX, I proceeded to make qualifying transactions and enroll in both online banking and the mobile app. I noticed on XX/XX/XXXX or XX/XX/XXXX that my account balance had dipped slightly below the {$5000.00} mark -- the lowest it got was {$4800.00}. I immediately deposited an additional {$250.00}, which put the balance back to {$5100.00} on XX/XX/XXXX. I also called US Bank and was assured by the first person I spoke to that US Bank " would use an average daily balance '' to determine the {$5000.00} balance for the promotion. Last week I checked the balance to see if the {$500.00} had indeed been deposited. It had not. So, I called again - likely the XXXX time total for calling or receiving calls about this issue -- a HUGE investment of my precious time. I was told that they would look into the issue and get back to me about a resolution. A few days later I did get a phone call back stating that I would NOT receive the {$500.00} bonus because the account had dipped below the {$5000.00} mark for a few days. This is the reason I do business with small, local banks who resolve problems the first time and stick with their word. | ||||||
| 07/30/2019 | Yes |
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| I have been the victim of 3 scams, regarding men from dating service, Our TIme, asking for money. # 1 XXXX went to XXXX for gold, over purchased and was unable to get out of the country Since XXXX, due to custom fees, tax fees, jail fees after striking a airport employee preventing him getting on the plane, and hospital fees after suffering a XXXX XXXX. He was working with a tour guide XXXX, and an attorney XXXX XXXX. Claims he has money in shares but all tied up since he is out of the country, Lives in XXXX, one of his residences. Loss of XXXX and now in debt at least this much from him. # 2 Contracted physician working XXXX XXXX requesting help with XXXX XXXX for vacation requests. have spent XXXX in various fees to get the vacation released. Bitcoin and one wire for transfer and still not granted due to I am unable to come up with the final {$2500.00}. required to meet the vacation request. Met XXXX XXXX XXXX stating that he lives in XXXX, however found that he is in XXXX XXXX for contracted job and needs to get out of XXXX XXXX, Was injured in XXXX himself, gunshot wound. Funds locked up at home in bank due to being out of the country. XXXX has been sent to XXXX for his release. XXXX XXXX paid and sent XXXX of the last XXXX after promising to send {$3000.00}. But still owe XXXX or they will cancel the vacation and we will have to start over. Money paid at bitcoin. Still not released. Loves me to the moon and beyond and can pay everything back once out for the vacation. All I need to do is come up with the remaining XXXX and get him out and he will reimburse me 100 % plus more for my trouble and stress. # 3 Our time friend 1-2 months XXXX XXXX. Went to XXXX as airplane repair job for 3 engines that needed to be replaced. Needed money as soon as he got there for custom fees, {$5000.00}. I said no and did not hear from him for 30 days. He needed my help. I was his only hope. His banker financial adviser would front the money to my account and pay credit cards as we used them to obtain money to send to XXXX in XXXX. Payments started being returned to creditors, and I have been left with XXXX debt which I can not pay off. Supposedly has unconditional love for me and ready to marry. Banker stole money from my XXXX XXXX XXXX Father 's bank account that showed in my profile after having obtained access to the account in error. Rules to dating. You are the queen, if they want to date you they pay and never give money to them. Never talk or date anyone outside a 50 mile radius, never allow access to bank accounts. But now I am the one who needs help. What can be done? | ||||||
| 07/09/2018 | Yes |
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| Hi there, I am an international student holding a student " F '' Visa. I opened a checking account with US bank in XX/XX/2017 when there was a promotion. I told them that I am an international student Visa and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. Then, in XX/XX/2017. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a XXXX student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX, XXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen. | ||||||
| 08/17/2015 | Yes |
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| I received a call on XX/XX/XXXX from XXXX stating in a very abrupt manner " You have XXXX hour to contact XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX concerning a legal matter and failure to due so will result in Garnishing of your wages and seizure of your home and car. I immediately panicked and contacted the number. I was placed on hold for several minutes then a representative got on the phone and stated that I owed about XXXX to a bank in XXXX, Ohio they said I opened an account with and needed to set up a XXXX dollar a month payment plan before the end of our call in order to stop the wage garnishment and other results. I explained to them that I did remember using this bank over 7 years ago but I do not believe I owed them that much money because I recall closing out the account. I also asked why they never sent this information to my address and they stated they sent the information to my last publically recorded address. I told them that I had not lived at that address since XX/XX/XXXX and could they please send the information to my new address. They responded no and that the bank had done there job by law because they sent me the letters to my last recorded address. They also stated that I could not be sent a copy of my charges because they had already done so. They also stated to me that I could not contact the bank for these charges until after I made my first payment. Therefor, I acted on impulse and fear and gave them my debit card number. After speaking to my relatives I learned that this same fraud calling number had been all over the new for fraud tactics. I then attempted to call back the original XXXX number but was redirected to a XXXX voicemail and when I attempted to call back THE XXXX number, I was placed on hold and no one picked up again. Therefore I called both numbers back and left a very irate message requesting to be removed from there calling list. I also contacted my bank to request they block the card and send me a new XXXX. On XX/XX/XXXX I received a call from XXXX stating they were unable to pull the payment from my account. I explained to them that I canceled the card and the fraud tactics they were utilizing left me with unanswered concerns, and they stated they had done all by law they had to do with explaining to me my charges and to remember to appear in court once I receive the court summoning letter.They also stated that I would be responsible for over XXXX in collections after the court appearance. Is this correct? Can they really take this type of action by garnishing my wages and seizure of my property? | ||||||
| 03/27/2021 | Yes |
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| I had a transaction go into my account for my sons IRS tax return and XX/XX/XXXX. Nothing happened to the account and we were able to access my sons funds. 1 week later both my son and my stimulus checks were deposited into that same account. This flagged my account and there was a restriction put on the account. I contacted the company and was told to simply send in a copy of my sons state issued I.D and the block would be removed in 2 days. After waiting the 2 days I contacted them back for information on the restriction and was told that they have never received my info even though we have confirmation that it was successfully submitted. A day later I called again and a rep advised that the ID was received and reviewed and my funds would be released no later than today. I asked about the direct deposit of my employer and if that would then effect the account negatively and was told no it would not. I called this morning and was told that my issue was being escalated for the removal of the block on the card and that if funds were still blocked after an hour to call back. Still no removal of the block after waiting 5 hours. I called back and talked to another supervisor who explained that now a new flag was on the account because my direct deposit from my pay has now been placed on the account. It has been 8 days and I have not been able to access any of my money. I am in a situation that me and my family could be homeless if we do not get access to our money because I have to move out in a few days. We have no food and our water is now shut off because we cant access verifiable funds in my account. I have spent countless hours speaking to the reps for this company and none of them have been capable to help me. I have been hung up on several times, promises have been made and not followed up on, and escalations that were never handled. In the last 8 days now going on 9 I have talked to more than 15 reps that all are telling me to do different things and will not help me. No one is noting the account appropriately and taking initiative to resolve the problem and I was told that there is no one to call in their fraud department. They have no workflow in place to talk to someone handling fraud issues. They cant email, phone or message a higher department for issues like mine. When handling ones money there should always be someone to talk to at all times, and I was not given that option as they don't have a department that is in place to resolve my matter. I have never been so disrupted and depleted from a company that would handle customers this way or their money. | ||||||
| 07/23/2021 | Yes |
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| On XX/XX/XXXX we started the process of apply for a mortgage through US Bank with their Loan Officer, XXXX XXXX ( NMLS # XXXX ). During these first few emails it was clearly stated that I was a US Veteran and had even previously used the VA Loan. Due to the construction restraints in the Midwest ( Iowa ) and the fact that my Spouse and I were living overseas, our house was schedule to be completed around XXXX, XXXX. The months went on we finally moved back to Iowa the end of XX/XX/XXXX. We finalized our loan paperwork XX/XX/XXXX for a closing date of XX/XX/XXXX. On XX/XX/XXXX I started researching tax credit on our local counties website ( XXXX County, Iowa ) and discovered the Homestead and Military Exemption Credit. Along with this researching, I discovered the Iowa Finance Authorities website which detailed a " Military Homeowner Assistance Program '' Grant for {$5000.00}. The only requirements listed on their website stated you had to be a veteran, which I was, and which our Lender XXXX XXXX knew. She is also listed as a loan officer on their website. I reached out to her on that day, XX/XX/XXXX and asked about eligibility. She replied the same date stating we exceeded the purchase price and household incomes. I thought I would check with the IFA ( Iowa Finance Authority ) and emailed them that night, the XXXX of XXXX. I received a reply from the following morning on XX/XX/XXXX stating there were no income or purchase limits to qualify for the grant, eligibility is based on service dates ( which I would qualify for ). I sent the information to XXXX immediately. She responded back later that day stating she'd have to, " restructure your loan and submit the application to IFA. We'd probably be looking at about 30 days to get everything approved through IFA and your loan restructured. '' That seemed odd to me, so I emailed the IFA again right away and they said it takes on average 48 hours to approve, maybe a few days. My wife then emailed XXXX that night and asked what would be needed and stressed that {$5000.00} is a lot of money. On Friday XXXX responded with further details and what would be needed and eventually XXXX then said it could take a few weeks ( as opposed to 30 days before ). At this point our closing date is 4 business days away and XXXX is obviously not going to help us. We told her we could provide everything right away but if we had to change our closing date we couldn't delay. I've attached all email traffic with XXXX and the Iowa Finance Authority. XXXX has personally cost us a {$5000.00} grant that we could've used toward the closing costs. | ||||||
| 01/18/2023 | Yes |
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| On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with US Bank listed on my credit report. On XX/XX/XXXX, I reviewed my XXXX credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with XXXX. I was directed to a phone number to speak with a representative which was someone at XXXX. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, XXXX and XXXX. | ||||||
| 11/21/2018 | Yes |
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| In XX/XX/2018 I fell behind in my credit card payment due to unforeseen financial issues. I received repeated calls from the company. I spoke with them and advised I would be bringing current in XXXX The representative I first spoke with was extremely aggressive and insisted I set the payment up with her right then, because she was looking at my checking account information. I advised I didn't want to set up right then but would call back. She informed me that because I wouldn't set the payment up with over the phone using the checking account information she could see they would continue to call me. I told her I was promising to pay and would call back to make the payment. she was very aggressive and rude about insisting I make the payment right then. I asked to speak to her supervisor. his name was XXXX. He told me the same thing. I asked to have calls stop unless I didn't make the payment. he told me that if I put a cease and desist on the file they would close it right then. I asked that at a minimum they put a cease on my work number but could continue to call me since that was their procedure. he informed me he would update my work phone as no calls. However I continued to receive calls at work. I ignored the additional calls until it was closer to the time that I was ready to make the payment. As the date approached in XXXX, I answered the phone and spoke with another representative and provided her with the date and amount I would be making the payment. she again insisted that I set up the payment with her right then because she had my checking account information and wanted to know why I wouldn't just set it up with her right then. I informed her I would call back on the date and make the payment. She acted like she was put off but did ask some questions as to what caused my delinquency and updated my account for no calls at work. I did not appreciate the manner in which they continued to inform me that they had access to my checking account and their insistence that I set up future dated payment with them right then and their. I gave my checking account information over the automated phone system, not to individual to share with all employees to inform me that they were looking at my checking account information. they were way too forceful and aggressive in their tactics and they displayed minimum customer service. I made the payment to bring the account current and as of today, I paid the account off so I do not have to deal with them anymore, as they have horrible customer service and are way too aggressive for a person with first time delinquency. | ||||||
| 04/25/2017 | Yes |
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| I had a client do an international wire transfer to me because I trade the foreign exchange market. I have been a professional trader, trading for my self and clients for four years now. This client sent the funds to my account and about 3 weeks later contacted his bank stating it was wire transfer fraud and he did n't know me. This client e mailed me, talked to me on the phone, sent me messages on XXXX for over 6 months prior to doing business and we met twice before. The client also signed an Esign on my contract. I had already made capital gains on his trading account between the time he funded the account and paid my fee an d the 3 weeks before h e claimed a dispute at his bank. When I asked this client why he made the wire transfer fraud claim, he stated he did n't plan on paying me for the work I did. He removed me as a cosigner on the trading account and got the {$4500.00} in the account . US Ban k put {$1600.00} on hold in my account with them.US Bank 's wire transfer department reached out to me right away about the situation and stated my account has to be on hold now until the investigation is over. This situation started back in XXXX XXXX and still has n't been resolved up to today. I played phone tag w ith the US Bank wire transfer department and they kept telling me to contact my local US B ank primary location who put the hold on my account to have the situation taken care of. So I reached out to the bank manager at my primary US Bank location about the situation. She told me to send her all my proof and situation to her email. I emailed her 3 times and got no response. About a month after the emails were sent, the bank manager finally called me and told me there was nothing she could do on the situation and the wire transfer department told her to leave the hold on my ac count. She stated to contact XXXX at the wire transfer department again who had my case. I contacted and talked to two people i n the wire transfer department again following up and was told no one was available to discuss the situation and that XXXX was out of the office for a week. I left a voicemail that day and never heard anything back. I waited for another month and called again. I got no response from XXXX or the other main guy on my case involved in the wire transfer department. I went to another bank location in my town and contacted there email support. They both stated there was a hold on my account and only my primary location can remove the bank hold. This has been going on for over a year and I 'm looking to get the hold removed from the account. | ||||||
| 09/15/2015 | Yes |
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| I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX | ||||||
| 03/13/2022 | Yes |
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| I would like to place a complaint against US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX. I have a mortgage loan that I requested a payoff in full since XX/XX/XXXX. I requested a payoff balance with US Bank and was sent a payoff letter on XX/XX/XXXX. The problem is with US Bank 's 3rd party vendor XXXX XXXX XXXX for the second lien. Apparently, XXXX changed to a new entity and US Bank keeps waiting for the new company which I believe is HUD to get the second payoff. Each entity is blaming the other stating that HUD won't provide the payoff and when I contact HUD they said that US Bank needs to reach out to get the payoff. Each entity is NOT providing the correct payoff information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX. The title company and myself have reached out to both US Bank and HUD at least 3 times a WEEK since the end of XX/XX/XXXX to get this resolved and each entity blames the other with NO results. I am NOW penalized 2 more months of finance charges and late fees because neither entity will provide the correct payoff. I am requesting your help to have these charges reversed and credit repaired due to their incompetence. I am also requesting your help in obtaining the correct payoff ASAP. I have had my condo in escrow since XX/XX/XXXX. The new borrower has provided the title company funding ( cash sale ) for the payoff and now losing dividends on their money as well. This is a private sale between buyer and myself. My loan # is XXXX. My property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. FYI- Weekly sometimes 3 times a week I call, the title company has called and sometimes we conference call these entities since the end of XXXX to get this resolved and each one blames the other. We have been on the phone for up to 2 hours at a time. Customer service at US Bank has TONS of notes on my account referencing payoff request YET no one can help. I have been offered a return call from a Supervisor that has NEVER happened. I feel US Bank and HUD will not provide the correct payoff amount in order to un-lawfully gain additional finance charge and fee income. This complaint is over a payoff quote - nothing more ... how hard can this be? What they are doing is un-lawful and if this can not be resolved to MY satisfaction which is reversing all charges as of XX/XX/XXXX I will be seeking legal advise and starting a class action lawsuit on US Bank and HUD. I have also file this same complaint with the FDIC. US Bank and HUD has left me no other recourse. I want this resolved by XX/XX/XXXX. | ||||||
| 12/09/2021 | Yes |
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| To whom this may concern ; We were on the plan with US Bank, that allowed us to go 12 months without payment due to COVID relief ; which helped tremendously due to having young school age children being taught at home and reduced hours. Once the plan was ending in XX/XX/XXXX, we called US bank to discuss arrangements to move forward. We spoke to several representatives that advised us that the plan was still active, and that we have to wait until the plan was removed from the account. After calling multiple times, and being told to call back. The plan was finally cleared early XXXX, I called and spoke with a representative who automatically placed me on a partial claim, After receiving and looking over the documentation I realized that I did not agree to that. So, I called back and spoke with another representative who advised me that I would have to wait, for XXXX bus days for it to be removed and can call back to be reviewed for another plan. So, I called back again and was advised that I would have to call back in 10-15 bus days, as it was not cleared as of yet. So, after calling back a few times, the program was finally cleared- and we could be review again. The representative advised that I qualified for a Modification, and advised that it would go into effect on XX/XX/XXXX. Once I received the Modification agreement which is scheduled to go into effect on XX/XX/XXXX. After looking at the documentation, I noticed that there is a partial claim that was not discussed during our conversation with the representative when we agreed to accept the modification around the end of XXXX. We were advised that the default amount of {$26000.00} was going to be capitalized at the end of the loan. So, we called today XX/XX/XXXX to discuss this issue, and was advised by the representative if we do not like the modification to request that it be cancelled, since it can not be amended in order to be reviewed for all of the modifications available to me that we would have to send an email to cancel the modification with the partial claim program. Trying to get back on track with US Bank has become an extremely frustrating ordeal. None of the representatives are consistent with the information that has been provided. The initial agreement we were placed on was also a partial claim, and we specifically advised that we did not want a partial claim ; due to if the property is sold in the future that amount would become due an owing. We need to speak with someone with the knowledge and expertise to ACTUALLY ASSIST US with this matter, and we are not getting any results. | ||||||
| 01/12/2024 | Yes |
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| I opened a new checking account at US Bank during XXXX to take advantage of a bonus incentive for opening a new account with the requisite amount of direct deposits. I immediately funded my account with {$25.00} sent through XXXX from my other bank account with XXXX. I changed my direct deposit instructions with my employer, who sent me a paycheck overnight in order for me to deposit, and therefore, verify the destination for the new direct deposit instructions. The check was deposited via US Bank 's mobile banking application on XXXX. I was then informed the funds will be on hold for seven business days. As a result of there being four weekends and a bank holiday, I have been without money for days, and I will not have any money for another week. Further, US Bank is verifying a check from a XXXX XXXX business account, and though XXXX, which is one of the largest human resources providers in the world. To ameliorate the situation, I spoke with a customer service agent thought their chat function on their website. I asked why they chose seven business days, when their disclosure documents claims funds can take between five to seven business days to verify. Moreover, US Bank publicly discloses that {$250.00} should be immediately available upon deposit, but they do not clarify the conditions to have this amount available immediately. The response from the agent was that I should read the fine print in their agreement documents, and there was no offer of relief nor even compassion for the situation I am currently facing. The agent directed me to speak with colleague whom they claimed was in the department that makes the decisions that prevent me from accessing my own money. That colleague claimed to be in their fraud department, and they have no responsibility for reviewing such matters. They then laughed when I said I have no money to buy food to eat. Currently, I have no money and I have not eaten in two days. I can not buy food or gas. I have no friends or family who can assist me, and I am afraid that I will not have anything to eat for another few more days. Luckily, I have water. I have missed four credit card payments. Additionally, my student loan servicer withdrew my monthly payment, which my bank has imposed a overdraft fee. This writer also claimed, both verbally and in writing, that I am levying an official complaint. There has been no response from US Bank, while I am not confident they have reported the explicit complaint to the CFPB, nor initiated the actions required by a regulated financial institution regarding customer complaints. | ||||||
| 05/24/2015 | Yes |
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| In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it. | ||||||
| 09/29/2016 | Yes |
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| I applied for USBANK visa signature card since they were offering % 0 APR for balance transfers for one year. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. I called customer care and spoke to supervisor called XXXX and almost spend one hour on the phone since these guys are not organized and specialized in wasting valuable customers time. I was told balance transfer did n't hit my account within first month of account opening which is not true. I did some due diligence prior to balance transfer and called USBank customer care and I was told as long as I completed balance transfer on XXXX XXXX I should receive 0 % promotional APR and I followed their instructions and completed balance transfer request on XXXX XXXX. As per supervisor XXXX I was told I should have completed balance transfer on XXXX XXXX which is Sunday which is contrary to what I was told by previous customer support reps. I opened USBANK checking acct on XXXX XXXX along with credit card and I used the credit card as soon as I received it on XXXX XXXX which prompted me to believe USBank is counting the day they mailed credit card and not the day I received the credit card which is not ethical way of doing business. USBANK clock is ticking even when I do n't possess credit card to request balance transfer. I was told by supervisor XXXX I should have an existing checking acct inorder to qualify for {$100.00} credit. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading. USBank is offering so many promotions in a misleading way just to attract customers and denied promotions once they open accounts. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading I demand that USBANK grant me % 0 APR for balance transfer since I was given misleading info from customer care and also USBANK clock is ticking even when I do n't possess credit card to request balance transfer. Also USBANK should give me {$100.00} credit Since USBANK web site should n't be offering me credit card offer with {$100.00} promotion along with online checking account opening if there is a requirement of existing checking account and this practice is very misleading | ||||||
| 12/19/2023 | Yes |
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| In XXXX XXXX a contractor was hired to perform a service ( land clearing ) and subsequently was hired for an additional service ( septic tank installation ). In a verbal agreement, the contractor XXXX XXXX XXXX XXXX XXXX XXXX XXXX was to receive weekly payments totaling {$1700.00} ( half of the overall cost ) and come back to begin the project. I made payments via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was instructed by XXXX to make these payments to his wife, XXXX XXXX using her phone number within the XXXX feature of my mobile banking app. XXXX never performed the services as promised. In XXXX, I requested a refund. XXXX stated he would see would he could do. In XXXX, I then offered to continue making weekly payments and pay the remaining balance. XXXX stated at that point that he was not comfortable doing this project and was not willing to issue a full refund either. He stated he would settle for less. I requested {$1500.00}. He said that was unrealistic as he purchased materials for this project using my money, which he made clear he was not comfortable doing several months after he was paid to come back and start doing. I then requested XXXX license number, and company address where I could serve him with paperwork for small claims court. XXXX responded that it is not his responsibility to provide that information and then threatened that if I pursued him in court or filed a claim with the sheriffs department that he would file a claim stating that my husband threatened him and his crew ( something that never happened ) to attempt to put my husband in jail. My husband received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXXXX/XX/XXXX. At this point, this is blackmail and harassment. I notified XXXX of the issue back in XXXX and then waited additional time to hear back from XXXX- and was told in XXXX, by XXXX, several months later that I would need to go through my bank. At the time, I banked with US Bank so I filed a claim with US Bank in XXXX XXXX I was told that since I had closed my account with US Bank in XX/XX/XXXX that a check would be issued for the {$1700.00} that was lost through XXXX. Approximately 2 weeks later I called the bank to follow up and they stated my claim was denied and I would need to step into a branch if I wanted to file a new claim. This is absolutely unacceptable that theyd allow a valued customer to be defrauded. I want my money back as services paid for were not rendered. | ||||||
| 07/30/2020 | Yes |
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| I received a letter in the mail with an attached US Bank Cash+ Visa Signature Card that was stated to replace my current US Bank Visa Platinum card. My current card does not expire until XX/XX/XXXX. The wording on the top of the letter states : " Congratulations, your account has been upgraded to a new U.S. Bank Cash+ Visa Signature Card . '' For clarity, I intentionally do not carry a rewards card as I am familiar with interchange fees and try to consider my small, local businesses whenever possible. I am also employed by, and work very closely with, a small business owner. I see exactly how much extra money goes out due to processing rewards cards vs. regular credit cards. When I called US Bank to figure out what was happening, I got several responses ranging from " Your current card is no longer offered '' ( It is currently advertised on their website ) to " We do automatic upgrades for cards that have been inactive for 2-5 months '' ( My last activity on the card was a purchase on XX/XX/XXXX for {$970.00}, a purchase on XX/XX/XXXX for {$94.00}, and a purchase on XX/XX/XXXX for {$67.00}. These were all paid off within two weeks of the purchase date and none fulfill the claim of 2-5 months of inactivity. When I asked if I could simply not use the new card for the reasons stated above, I was told that the change affected the account and not the card itself. So, while I received no communication, submitted no request, and gave no approval or permission, my current card was changed to a rewards card in early XXXX. When I asked them to simply change it back, I was told that it wasn't possible to change back, and I would have to close the account and re-apply. I was later told by the manager at the call center that the product services department usually ran offers 2-3 months after automatic upgrade campaigns to downgrade cards back to their original status. I was also told by the same manager that the campaign affected around 5200 customers after being told by a previous employee that it affected 52,244 customers. When I pressed to get in touch with someone who could change my account status I was told that no one above her takes calls from customers and that I was free to fax or write them my questions/requests. I felt like this situation was relatively ridiculous considering my end goal was simply to keep the card I had. When looked at ethically, it becomes more questionable on the larger scale. It is reminiscent of the XXXX XXXX scandal in recent memory. Especially when you consider the lack of communication or input from the customer side. | ||||||
| 10/13/2021 | Yes |
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| On XX/XX/XXXX I contacted US Bank Reliacard to file a fraud complaint concerning a large amount of money that was missing from my account, {$5600.00} to be exact. On that day I had the opportunity to reconcile the entire account with a reliacard fraud liason by the name of " XXXX ''. We reviewed the account together since its inception date of XX/XX/XXXXXXXX up until XX/XX/XXXX. Her determination during our conversation was that my suspicions were valid and that the claim was legitimate. She then told me she was sending me account affidavits that I would need to sign in front of a notary and return to her within 10 business days of receiving them, which I did. I received a denial of claim letter in the mail on XX/XX/XXXX and called reliacard to express my disappointment and let them know that I would still be pursuing a refund of my money regardless of what the determined since I was telling the truth. During our conversation on XX/XX/XXXX XXXX had told me that she had to cancel my card ending in XXXX so no further fraudulent transactions could be made, I agreed. At that point I had no access to my account since there is no physical bank you can go to, only use the debit card to access your funds. I tried for 2.5 months to be issued a new card and reliacard would not send one to me until I satisfied the ID verification process to their satisfaction. I was not able to accomplish that until XX/XX/XXXX when a new card was finally sent to me, a card ending in XXXX. My prior card number was ending in XXXX. As money continued to diappear from my account I contacted them several times finally requesting a full account of my debits, purchases, any and all account activity since XX/XX/XXXX to be mailed to me. At first she sent just the month of XXXX so I had to reach out again and request the full account history which I just received on XX/XX/XXXX. In looking at the statement there are {$11000.00} in debits from my account in XXXX, {$2100.00} in XXXX and {$1000.00} in XXXX none of which were made by me since I had no access to my account whatsoever until XX/XX/XXXX when they finally sent me a new card. So I am filing a claim for {$20000.00} to be returned to me with interest of 3.0 % compounded daily. In speaking with reliacard today she let me know she found two other cards that I had never seen, one ending in XXXX and the other in XXXX. The XXXX one was opened on XXXX and closed XX/XX/XXXX and had over 500 transactions on it. She would not tell me what address they had sent them to. I tried to get her to file a fraud complaint and she refused. | ||||||
| 10/12/2015 | Yes |
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| Background : We have been a loyal US Bank " Platinum '' customer for more than 15 years with credit scores in the mid XXXX 's. We have not missed any payments or ever been late on any payments on our existing loan, which US Bank originated approximately 5 years ago. Our current LTV and debt-to-income ratios are under 50 %. Details : In XXXX, we received a marketing piece from US Bank advertising a fixed rate of 3.5 % for a 20 year refi loan. At the time of application, the rate was 3.625 % with zero points for a 20yr refi loan. We submitted our loan application at the local US Bank branch on XXXX with XXXX XXXX. XXXX said we could start the process and if the rate dropped to 3.5 % we would get it. The first Good Faith Estimate ( GFE ) he provided on XXXX was at 3.625 % with {$1300.00} in buydown points and the loan amount was {$65000.00} higher than our current loan balance. We informed XXXX that the numbers on the GFE were wrong. He said he would issue a new GFE. In XXXX, the rates dropped to 3.5 % ( per the US Bank website ). On XXXX we emailed XXXX and told him we were still waiting for a corrected GFE and mentioned that we noticed the rates had dropped. XXXX issued a new GFE on XXXX with a correct loan amount but with the rate at 3.625 % and {$750.00} in points. He said " sign and return we can try to get lower rate once loan is approved. I need everything today please. '' We signed and sent everything back the same day. On XXXX we emailed XXXX telling him we still had not received a correct GFE. He requested more documentation from us and sent a new GFE on XXXX at 3.625 % with {$740.00} in points. Several months went by. On XXXX XXXX forwarded an email to us from XXXX XXXX of US Bank requesting even more documentation. We sent him the requested docs on XXXX. XXXX kept requesting " just one more thing '' several times, including copies of documents that were already of record in the County courthouse. Although we kept requesting a corrected GFE with the correct numbers, XXXX would send a new GFE at random intervals, always with incorrect numbers and usually including buydown points, which we said repeatedly we did not want. On XXXX, he finally sent a " final '' XXXX closing statement for review with a rate of 3.75 % and zero points. We spoke with his supervisor, XXXX XXXX, who said he could n't do anything except refund our application fee. We feel we were the victims of " bait and switch '' marketing, predatory lending, and possibly discrimination. Also, the lender did not process our loan application in a timely manner ( almost 7 months ). | ||||||
| 10/03/2022 | Yes |
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| When I received the card, I used it and tried to make a payment on the website. The payments did not go through because there is a defect on the website that causes the account number to change when the ACH tries to go through, so the institution that the funds are requested from denies the request. I saw that there was an issue and called US Bank. After being on hold for over hour I was treated to a snotty support person who tried to convince me that I was doing something wrong. While on the call we WATCHED the account number change from what I had chosen from the drop down to another number. Finally, it looked like we got it to go through. That payment later failed with the same incorrect account number I continued to try to make payments, you can see it in my history. I called again and after being on hold to for over an hour I talked to web support. They told me that yes, there is a defect in the web site that is changing the account number. I was transferred to another agent who confirmed the defect. I asked if I could make a phone payment. This Customer Service Representative ( CSR ) said yes, but I would have to pay {$30.00} to do it. She said that was nuts, and she tried to do a warm hand off to another department where they could reverse the charge, but she did not take the payment from me because she thought it best if the other department took my payment, so they could make sure I wasnt charged. We sat on hold for another hour, then she suggested that I make the call myself, and she gave me the number, saying that it was a 24-hour number. NOPE, not 24 hours. I tried again to call the next day. I was on hold for 2 HOURS. Finally got through, to be put back on hold for an additional hour. I was told that it was fixed, and the payment went though my credit union, but did not post in a timely fashion. I was told that the reason for this was that I was late, so they had to wait for it to clear. I could see that the funds had left my Credit Union, and the CSR could see that the funds were indeed at US Bank. I was told that I could send a screen shot of my Credit Union account to an email address, which I did. I was told that to contest any entries to the bureaus I would have to send a letter in writing. The late fee was reversed ; however, I was still charged interest on an amount that should have been less if the website worked properly. Please consider this a formal request to have anything negative entered on my bureau reports removed immediately. I will pay off the card and be done with US Bank and any affiliates forever. XXXX XXXX | ||||||
| 10/03/2022 | Yes |
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| Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. I put US BANK on notice. I gave US BANK an OPPORTUNITY TO CURE. I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). XXXX. US BANK pay for all fees and fines associated with this matter. XXXX. US BANK pays me {>= $1,000,000} in damages. XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization. | ||||||
| 03/13/2017 | Yes |
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| In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of XXXX. | ||||||
| 01/21/2017 | Yes |
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| I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help? | ||||||
| 06/15/2018 | Yes |
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| US Bank purchased my mortgage from XXXX XXXX. With XXXX XXXX, we paid the yearly insurance and property tax ( escrow ). US Bank set up an escrow account and raised our monthly payments at an amount of twice the known amount of taxes and insurance, refunding us XXXX dollar for XX/XX/XXXX. For the year XX/XX/XXXX, our taxes and insurance increased by XXXX dollars. US Bank increased our escrow to reflect the Exact amount needed for taxes and insurance ; however, decided to charge us an additional XXXX dollars a month to " build in a cushion. '' After being hung up on, transferred and speaking to two different supervisors in two different departments, they both told me that " it is their right '' to " build in a cushion ''. How is it ok for a bank to force me to pay them " cushion money '' when I already pay them interest on the loan. Of which a loan that I never applied for with them. XXXX XXXX did not have a " cushion '' requirement in their mortgage agreement, how can US bank purchase the agreement with no notification to me and modify the original agreement without my consent. When I asked to pay my own escrow account, I was told that I would incur a fee of one percent penalty of the original loan amount. They raised my monthly payments by XXXX dollars a month for a XXXX dollar increase in escrow. I have made two requests for an itemized explanation and both times I was informed that it was sent out " a month ago. '' They have my mortgage, so I know they have the correct address ; however, I sill haven't received anything in the mail except a new bank statement demanding additional money and an outline of penalties if I send them my money late. How it is legal for a bank to extort money for a " cushion '' because its " their right '', in the mean time they build interest on my money, only to send me a check for the extreme overpayment, several months after the close of the fascial year. Had I known US Bank was going to buy my loan, I would have immediately refinanced when the interest rates were still low. Now my only options are 1 ) refinance at a higher interest rate and pay refinance fees. 2 ) stay with US Bank and continue to have them increase my mortgage for their make believe " Cushion '' 2 ) Pay US Bank a ridicules fee for the privilege to use my own money to pay my taxes and insurance. The most frustrating part of this is how smug US Bank customer service is, telling me it is " their right '' to simply charge me a " cushion. '' I have never missed a payment, I have even made extra payments. I even have a credit score of over 800. | ||||||
| 11/30/2016 | Yes |
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| US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a XXXX ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on XX/XX/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on XX/XX/2016. I quickly submitted the additional documents required for Final Approval on XX/XX/2016. Afterwards, no further supporting documents were ever requested. I waited for Final Approval for more than 2 months. No further documents were being requested during this time, but also no decision was being made by Underwriting. During this wait period, I checked with my mortgage officer every 1-2 weeks. I was concerned because it was widely believed that interest rates would be rising. Each time, I was reassured that the application was with Underwriting for " Final Approval ''. I was reassured nothing else would be required from me. But finally after 2 months, the interest rate lock expired. Underwriting never made a decision, but they never asked for more documents either. I was simply informed that the rate-lock expired, and the new interest rate is higher, and so there would be no purpose to pursue the Refinance any longer. The mortgage officer suggested I now consider pursuing the " XXXX ARM '' product with them. US Bank and its underwriters, mortgage loan officer and mortgage loan processor did not process my application in Good Faith. They did not request further information beyond XX/XX/XXXX. They had nearly 2 months to make a final decision with all documents and information available to them. They clearly took far beyond a reasonable time to make a decision on the application. They did not uphold their end of the bargain. The rate lock expired while the application sat in their department. It appears they purposefully undermined my application by deferring to make any decision for Final Approval by the Underwriting department, and allowed the rate lock to expire. They did not deny my application. They simply did not make a decision. During this time, it was widely speculated that interest rates would rise. And after the rate-lock expired, interest rates were indeed higher. I believe they intentionally allowed my application to expire in an attempt to force me into choosing a riskier product, or at least into paying a higher interest rate. | ||||||
| 01/10/2019 | Yes |
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| As far as describing what happened, the letter I faxed+emailed to US Bank on XX/XX/XXXX sums everything up very well ... = = Re : Ref # : XXXX I submitted my application on XX/XX/XXXX. As part of the manual review process, additional information was requested. Faxed XX/XX/XXXX tax return, XX/XX/XXXX tax return, as well as an explanation of the history of my business on XX/XX/XXXX. Received confirmation of fax transmission on XX/XX/XXXX. Also confirmation via telephone of physical receipt by US Bank on XX/XX/XXXX. When I called for a status update on XX/XX/XXXX, the rep stated they still have NOT received any fax from me. The reversed course and said they DID receive the faxes -- but that my application wouldnt receive an answer until Friday. As a young woman, who is self-employed, I feel I am being discriminated against unfairly. Not counting authorized user accounts, I have 17 credit accounts in my own name with a total combined credit limit of XXXX. That includes 4 small business cards. I have never *once* been asked to submit tax documents. Further, I have never willingly submitted a testimonial of the history of my business. Went above and beyond. I havent been declined for a credit account in years. Every approval has either been instantly received online, or not taken more than 1 business day. You already pulled a copy of my credit report on XX/XX/XXXX. Tomorrow will mark the 6th business day youve been sitting on my information without making a decision. My solid personal credit history along with the testimonial/history of my company with verifiable data to demonstrate the scope of my business is *significantly* enough data to get approved for the XXXX limit I requested. Considering that I have total combined home equity of XXXX, the level of risk for the bank is non-existent. Without a doubt, we are in uncharted territory as far as the data you have requested, as well as the processing delay. I will respectfully give you until XXXX eastern time on XX/XX/XXXX to approve my application & call me at # # # - # # # - # # # # with confirmation. If US Bank fails to resolve this matter to my satisfaction, I will be submitting a formal discrimination complaint to the CFPB and FTC for violation of the Equal Credit Opportunity Act. Perfectly capable of representing my own interests, so there is no need to make idol threats about legal action. Faxing this letter to XXXX. Also emailing a copy to XXXX. = = The company failed to approve me within the reasonable timeframe I gave them as far as 1 final opportunity to make things right. | ||||||
| 11/15/2022 | Yes |
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Web | Older American |
| I identified 8 transactions to go into US Banks Promotional Feature XXXX Shown below are the date the transactions were posted, the amount of each transaction, the date the transaction was paid by me followed by the XXXX Credit and Debit dates to my account of these 8 transactions. Trans Date Amount Date Paid by XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 {$1900.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$500.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$250.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$3000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$290.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$1000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$420.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$2400.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 I submitted a complaint to US Bank on XX/XX/2022 regarding their XXXX program promotional feature. I contend that the transactions in the XXXX program have already been paid for once by me and once by them. Now I believe I am paying for those charges a second time having those amounts transferred into XXXX. US Bank has not adequately explained the details of why this is not so. They fail to itemize each and every time the identified transactions have been been charged ( debited ) or paid ( credited ) by myself as well as by them. While they point out THEY credited my account for those transactions in the XX/XX/2022 XXXX they fail to claim the debit THEY put in for those same transactions. By the time the XX/XX/2022 statement was issued, all but 2 of the identified transactions had already been paid in full by me and those 2 remaining transactions from the XX/XX/2022 statement were paid on XX/XX/2022. My statements support this, no past due balances have been carried forward. Each statement was paid in full by its due date. So, I paid them all off via paying each statement in full in a timely manner, In XXXX US Bank issued a credit for them that was basically cancelled out by the debit they issued and still there is an XXXX balance shown. I feel I am now paying a second time for those transactions reflected in XXXX. US Bank replied XX/XX/2022 with a letter and a copy of my XXXX Statement. Their explanation is confusing. My principle balance as of what date? I repeat, I always pay my balance due in full and do not carry any interest bearing balance forward. They do not adequately detail each and every item or change to the XXXX balance. I can only go by what I see on my monthly statements and it does not include much for the XXXX program. It just does not add up to me. | ||||||
| 09/10/2021 | Yes |
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| I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XX/XX/2021, I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees. According to https : //www.occ.treas.govXXXX Financial institutions may assess fees for paying ATM or one-time debit card transactions pursuant to an overdraft protection program if the following conditions are met : The institution provides the consumer with a written notice ( or electronic notice, if the consumer agrees ), segregated from all other information, describing the overdraft protection program ; The institution provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the program for ATM and one-time debit card transactions ; The consumer affirmatively consents, or opts in, to the payment of ATM and one-time debit card transactions ; 5 and The institution provides written confirmation ( or electronic confirmation, if the consumer agrees ) of the consumer 's consent and includes a statement informing the consumer of the right to revoke such consent. US Bank has not provided with a written or electronic notice describing the overdraft protection program. It did not provide a reasonable opportunity for me to affirmatively consent or opt-in to the program. I have never affirmatively consented to enroll in their program. Thus by forcing me to enroll in such overdraft protection program, I believe US Bank have failed to comply with Federal Trade Commission Act ( FTC Act ) standards. | ||||||
| 01/19/2021 | Yes |
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| I received a US Bank ReliaCard when I started receiving money for unemployment. Upon trying to withdrawal money from my card and being unable to, I contacted customer service. Customer service was nearly impossible to reach, either the automated system would randomly disconnect my call, or I would wait and extremely long period of time to speak with someone only for them to tell me they were ending the call due to the fact that they could not hear me well. After FINALLY being able to reach someone I was told my account was put on hold due to inactivity in XXXX of 2020, which I was not notified about. The woman on the phone told me that was because alerts were not turned on for me in their system. I was told I had to fax a copy of my ID and a service bill which had my correct name and address. Not having a fax machine available to me, I had to pay to fax my documents over, which were sent to the fax number given to me by the woman over the phone and the fax went through without issue on my end. I was told the hold would be lifted in 6 business days after the documents were sent over. A month later, after hearing nothing from the company, I still had no access to my money. I was told that there must have been visibility issues with my documents and I needed to send them again, which also has resulted in no change in my account and I am still unable to access my money. I have followed every request the company has made in order to release the hold on my account, all to no avail. I have made several attempts to reach the company, all in which I have failed to be able to speak with a person. I am very frustrated, as I should be able to make withdrawals of my own money whenever needed. It should not be a near impossible task to reach a person over the phone who can help me with this issue. After feeling like I had no where to turn, I filed a complaint through the better business bureau which the company responded telling me to again send over the verification documents. I do not feel comfortable sending anymore sensitive and personal documents over fax to a company I am not even able to research as it is a third party verification service that we have been giving no name for and were told that there is no way to contact them directly other than fax. I am sick of getting the run around and being told to resend these documents containing personal information that I have sent in twice now. Upon researching this issue, we have found that several others have gone through this exact same issue and have had to file complaints via the XX/XX/XXXX as well. | ||||||
| 10/20/2016 | Yes |
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| Last week I was contacted by phone by US Bank from an unknown number and was left a message about possible fraud on my US Bank issued credit card. I initially disregarded the call, because I do not have a US Bank credit card. I do, however, have a loan with them. Curiosity got me and I looked up a number for the US Bank fraud department and called. After speaking with the agent, we came to the conclusion that it was indeed an account that was opened in my name and identity theft was suspected. After I was transferred to the appropriate department, they informed me that the fraud was noted and they would send me more information in the mail. The next day, I needed to contact US Bank to check on the status of my loan 's payment status. While on the phone I was looking at their web site checking on my loan account there. The web site had the address of the fraudulent applicant! However, on the phone, I was told that the loan department had my correct information. I asked the loan department how and why this had happened, they said that it was the fraudulent credit card application that changed the website information. To change the information on the website back to my correct address, they transferred me to the credit card fraud department, which told me I would have to change the information on the website myself, that is, login and edit the information. So I went to the page only to learn that by changing the address, the bank would mail notification of the change to the prior address -- the fraudulent one! The US Bank informed me there was no way to fix that. So the identity thieves are going to be notified that I am on to them. US Bank also informed me that even though someone -- not me -- had opened a fraudulent account in my name, it was MY onus to make sure the credit agencies were notified. US Bank said they would only notify the credit agencies after US Bank sent me a regular post letter confirming the fraud. It is now over a week and I have yet to see that letter. I went ahead and notified the credit agencies on my own in the mean time. I have since been contacted by US Bank Fraud investigator, who informed me that not only had the card been sent to a different address ( the fraudulent address that was on the website ) than what I had on file with them, but that the card was also activated by a number that was n't mine. That is, the bank issued someone a card who gave them the INCORRECT phone number and address associated with my name. They in fact admitted that the information received was erroneous, but STILL issued a credit card. | ||||||
| 10/31/2021 | Yes |
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Web | Older American |
| On XX/XX/2021, a Contract was entered into with XXXX XXXX XXXX located in XXXX XXXX, NV. Items were chosen for the products. About two weeks later, a call was made to us by XXXX XXXX stating that they were unable to provide the merchandise, because the manufacturer of said products had removed the samples from their store. She then asked if she could send us pictures of another sample. She was told no, we would come in and see what else they had. ( Big mistake ) We did chose something else. After not hearing from XXXX XXXX XXXX on XX/XX/XXXX, I, XXXX XXXX, made a call to the store. I was told XXXX XXXX was on vacation. However, she left a note stating " That the counter top we ordered was also not available, because they were having trouble getting anything out of California. I then asked her if she had any idea when the material would be available, she answered, " It could be two weeks, a month or longer. '' She also asked if we would come back in and chose something else. I told her, " No. '' I then asked her if the cabinets were ordered. She replied, '' I don't know, someone else is supposed to order them. I asked her to call me back. She never did. On XX/XX/XXXX, I called her and told her to cancel the Order, because by then, XXXX XXXX XXXX had breached the Contract. She replied, " I don't know how to do it. '' I told her I would call the bank and file a Dispute. On XX/XX/2021, I called US Bank filed a Dispute. They reversed the charges. Just like this complaint US was given the information they requested. US Bank only response through emails, stating they are looking into resolving the matter. US Bank did call my cell phone on XX/XX/XXXX, at XXXX. Left no messages. Only after I checked my bank statement did I realize they Bank had reversed the charges. Claiming they could not get a hold of us. They are claiming XXXX said, they delivered the products. We had sent several emails to XXXX, all to no avail. US Bank, something about them no able to get the products because of COVID. XXXX had four boxes of backsplash delivered to our home. At the time we had no idea what XXXX was delivering. They were left on the porch without our consent. That was the very first time XXXX had ever been in touch with us after the Contract was canceled. US Bank took their side and gave them back our hard earned money. They said that's what Visa would want. US Bank did call our cell phone again On XX/XX/XXXX, at XXXX XXXX and leave a message, only after I had made several attempts to reach a " supervisor '' to find out how such a decision could be made. | ||||||
| 08/24/2017 | Yes |
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| On the morning of Sunday, XX/XX/XXXX, we went to the US Bank drive through ATM located at the US Bank, XXXX branch at XXXX XXXX XXXX XXXX, XXXX, IA XXXX. We needed to withdraw {$300.00} cash as my daughter was leaving that morning for Minnesota for school and this was to pay for her gas, food, etc. I bank with XXXX, an online banking corporation, and US Bank does not charge a fee for using their ATM. When the money was supposed to be dispensed from the machine, the machine started making a cranking noise like it was either jammed or broke ; however, no cash was dispensed. My husband cancelled the transaction and got my debit card back. However, the {$300.00} withdrawl was now showing pending to my bank account and I had not received the {$300.00}. We went into the XXXX store courtesy desk and was advised that the bank would open that day at XXXX XXXX and that they had no access to the ATM to help. So, once the bank opened we were able to speak with the branch manager, XXXX XXXX. XXXX said that he would submit a claim for the ATM funds. Shortly after returning home, XXXX called us to advise he was told by US Bank that since we are not account holders there, they are unable to assist us directly in getting our funds ( even though it is their ATM and the cash was stuck in THEIR machine ). XXXX said we would need to file a dispute with my bank, XXXX to get the funds returned. I called XXXX and they stated that until the funds go from pending to posted, they ca n't submit a dispute. They stated once the funds posted to my account to call back and they could process the dispute. The US Bank transaction posted on XX/XX/XXXX to my account. So, I filed the dispute immediately. It is now XX/XX/XXXX and I STILL do not have my {$300.00} returned to me. I had to go to another ATM on that same day and withdraw another {$300.00} PLUS fees just so my daughter could go back to school. This has negatively impacted my credit as I am not short {$300.00} plus additional fees I have had to pay for taking out funds from another ATM that day. I want action on this immediately. XXXX XXXX continues to state that it is being investigated and US Bank continues to state that they ca n't help me since I am not their customer. Please assist in getting these funds returned to me immediately. Somewhere, US Bank is sitting on MY {$300.00} cash and they do n't seem at all interested in returning it to me in a timely manner. I am sure if the tables were turned and I owed THEM {$300.00} they would be charging me fees, interest and damaging my credit history with reporting it. | ||||||
| 10/25/2021 | Yes |
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| XX/XX/ I received a letter from Usbank that my child support that was on their reliacard will be closing as Wyoming was not going to be using usbank any more. I was incarcerated in XXXX XXXX at the XXXX XXXX XXXX XXXX. I had contacted them with my caseworker so i could see how to received my remaining funds, they told me a check would be issued 5-7 days. I had called after several weeks had gone by because i had not received by check from my remaining balance of {$280.00}, they said it may have went to my old address they would trace the check. I received a slip that the facility had received the check the same time i had talked to them about tracing the check. I contacted them the next day with my caseworker, they said have the facility cash the check which they deposited it. I received a second check a few days after that contacted Usbank with a casework on XX/XX/ they said yes both checks where cashed and i know owed them {$280.00}, so i contacted my casework and we called my daughter in law to send them a bank money order to usbank so i would be doing the right thing and returning them the money, my daughter in law went to the bank that same day and got a bank money order for {$280.00} and sent it certified mail, but a few days later the money was pulled back off my account for check number XXXX i have been contacting them right after XX/XX/ to get my payment back they tried to say the facility had it but the facility worked with me and gave me the stop payment letter from the bank. The bank refused to send me my money back. I have tracking where my money order to them was signed by their employee, i have the stop payment from their check. I have emailed copies of all this numerous times to usbank employees, called numerous times, went into the Usbank. I went into the pinnacle bank which is what the facility uses and they have gave me copies of the stop payment so i had paid them back from one that they stopped payment so i wouldn't owe them and they are kept my money and wont return it!!!!! They wont even trace it to see that they stopped payment even when i have gave them a copy several times of the stop payment, XXXX XXXX is saying that usbank stopped payment and that is why they pulled the money off my account and usbank saying they didnt stop payment so im out because they cant figure it out after i provided all the documents from them both! I just want my {$280.00} back that rightfully belongs to me 3 years waiting is to long especially after notarized letters i have sent and the numerous amounts i have sent them documentation. | ||||||
| 03/01/2017 | Yes |
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| U.S. Bank has done this to me MANY of times. they charge me Overdraft Fee 's for transactions already completed. they try and show you a way that makes it seem like it 's all legit but it 's not. they did n't have to cover anything I bought with their money. it was all mine but because " how there system works '' they keep charging me these ridiculous fee 's. i am currently negative {$140.00} in the bank because they charged me XXXX, {$36.00} fee 's. XXXX= {$140.00}. Without the fee 's I would have almost {$4.00} extra. they tried telling me because I was negative in my account on XX/XX/XXXX, but I was n't. I was negative on XX/XX/XXXX for about half hour. they say if the negative balance is paid before end of the day we wont get a overdraft fee. well fast forward to about an hour and out of no where i 'm getting XXXX overdraft fee 's for things that have already been " completed transaction '' with a positive balance after. it amazes me that they can just go in and make us pay an overdraft fee for things that are not even pending and have been paid with money to spare. they tried telling me it was negative but can not prove it to me. not one in the print out they gave me does it show that my account was ever negative. I check my account every day. it 's just how they decided they want to take the charges out. so it does n't matter when you buy something, it matters how much. I have had 2 people confirm this to me. they do n't go off when you spend the money, but how much. so I spent money in my account because it said it was there, then something comes out that I forgot about and it 's more then what 's left in the available account so they take that out first even though it 's been pending a day and the others have been pending 4+ day 's. they take the high amount out first which makes me go negative and now they get to charge me for the other already pending charges on top of the new one. so instead of getting just XXXX overdraft charge they found a way to get XXXX or more out of me. they should take the money out, first in first out. not pick which ones they want to put through 1st. as soon as I can I will be closing my account and recommending to everyone to never trust or use them! went into 2 different branches to try to resolve this talked to 3 different people. only 1 out of the 3 were nice and generally concerned about my issues, they other two boys ... .. not so much, all they could tell me was " well, that 's the consequences of using money you do n't have '' SERIOUSLY? I used only the money I had, not one Penny was from them! | ||||||
| 02/19/2018 | Yes |
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Web | Older American |
| XXXX XXXX, XXXX, at approx. XXXX I went to the teller window inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw {$1200.00} from my savings account to pay for some used furniture. The tellers told me they were not open until XXXX and suggested I use the ATM next to their window to withdraw funds. Even though the daily limit was only {$800.00}, I was in a hurry so I used my ATM card to withdraw. When the cash was dispensed, I counted it twice and it dispensed only {$780.00} in {$20.00} bills, even though I requested {$800.00} and the debit from account on receipt read {$800.00}. I immediately handed the cash to the XXXX tellers at the window, who both counted it twice and verified I was shorted {$20.00}. XXXX XXXX, the first teller to count it said that at the end of the day they would count the ATM and credit my account immediately if it was over. The next morning I received a message from XXXX XXXX that the ATM was counted and the machine was not over, so she would file a claim. XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating their investigation was complete and my claim was denied. I called the Bank XX/XX/XXXX and after several transfers, a XXXX banker, XXXX, told me she would issue a provisional credit to my account immediately and re-open my claim. She also said they would send me the documentation used in their investigation that I requested. XX/XX/XXXX, no credit had been issued to my account and I had not received the documentation I requested. I called and was transferred 6 times in more than an hour, each telling me they couldn't help me. I was finally transferred to XXXX ( she said she was not allowed to give me her last name ), who told me the case was still ongoing and I would have to wait another 90 days before investigaton is complete. When I asked them what their retention policy for the video surveillance was, no one could or would tell me. How do I get that video preserved and viewed by law enforcement in case they deny my claim again after 90 days? XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the documents I requested XX/XX/XXXX were attached. The 2 page document entitled " ATM TERMINAL INFORMATION '' make no sense to me whatsoever. There was nothing in the letter explaining an ongoing investigation or status of my claim, nor have they given me a credit for the money they shorted me. Regulation E states they must provide provisional credit during investigation within 10 days and complete investigation within 45 days. As of today it's been XXXX days and still no resolution. | ||||||
| 10/24/2015 | Yes |
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| In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am. | ||||||
| 09/07/2023 | Yes |
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| Around Tuesday XX/XX/2023 I called Desert XXXX XXXX XXXX Credit Card service aka Cardmember Services aka Elan Financial Services to request my most recent statement. I am in a divorce process and it is critical that I receive the most up to date information about this account as it is to be closed and paid off. I originally spoke to " XXXX '' around XXXX who said she would put in a request to have this statement ( my most recent credit card statement ) email to me since she did not have the ability to email it ( lol ). She also said they could not express mail it to me either. I never heard back from her nor did I get a response from Elan Financial/Cardmember Services/Desert XXXX XXXX XXXX XXXX I had told her I was going to put in a complaint to the CFPB if I did not get this information. I have been unable to log into their website at cardmember services ( I used to be able to log in ) and I have received nothing in the mail from them even though I have lived here at my address for over 11 years with no other addresses or po box es ever. I never received *anything* after speaking with XXXX so I called in around Thursday XX/XX/2023 around XXXX and talked to a supervisor who said she would put in more requests to get this documentation to me. Its absolutely ridiculous that I can not log into their website ( we went through the process but they were unable to open up their system to let me log in ) or that they can not simply email this statement to me. This has huge implications as now my divorce proceedings are affected and if this account doesn't get paid off correctly I will have to consider further measures. Elan Financial/Cardmember Services has to be in violation of some kind of laws by refusing to get my credit card statement to me : they are charging me a high interest rate and making alot of money off me ( and all their other customers ). They certainly deserved to be sued at this point. This company has a 1 star XXXX rating so I do not think they are fit to do credit card business in the state of Arizona or anywhere else. I need my most recent credit card statement emailed to me immediately at XXXX AND express mailed to me at my current address which I know they have on file. I think they should be fined as well for having obscure business practices and refusing to send me information I need about my credit card account, namely the most recent monthly statement which is not available on their website and they are not sharing with me via regular mail email or any other means. Thank you. Found their confirmation number its XXXX | ||||||
| 10/28/2020 | Yes |
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Web | Older American |
| This is the third time I am filing a complaint regarding US/Bank Reliacard Utah unemployment benefit. Please see complaint # CFPB - XXXX. The company said they resolved the issue, but they have NOT. They requested I fax them my valid government ID, SS card, and XXXX, and include the Card ID # XXXX, which I did. They did not tell me in their letter that I had to enlarge the documents by XXXX and reduce it to the lightest point. So I waited almost a month and contacted Reliacard, at which time they informed me that I needed to refax with the above instructions, which I did on XX/XX/XXXX. They said they would then send me a card. I called on XX/XX/XXXX and talked with XXXX in XXXX. She confirmed that they did receive my fax verifying my identity and that it had been approved. However, she said they had " locked '' my account so no one could get access, which I appreciated. She said she had to escalate the unlocking to management and that if I called back on Monday, XX/XX/XXXX and she could order a card expedited. I called on XX/XX/XXXX and talked with XXXX who said he couldn't find the account, that everything had been deleted. He could not help us. I hung up and called two more times, finally talking with XXXX, who found and verified the account easily, and said she could order a card expedited but had to send it to a manager. Called back on XX/XX/XXXX to see if card had been ordered, call was disconnected. Called again and spoke with XXXX at XXXX XXXX. She said she would order the card and confirmed that the order went through. Instructed me to call XX/XX/XXXX ( today ) and they could give me the tracking #. When I called they said they needed the password I had given them the day before. We NEVER, IN OVER 30 CALLS, going back to XXXX, was asked for a password and explained that we did not know what they were talking about. They said they could not help. I begged them to transfer me to a supervisor or manager. They put me on hold for 2 1/2 hours before call was disconnected. Reliacard customer service is the worst I have ever experienced. They have used every excuse possible to deny or delay getting me a card. I have attached several documents showing what I have done and communications without any resolution. Even with the first complaint I filed, they used the excuse that they couldn't respond because I had asked them to try to contact me through my sister and they told me I had to refile the claim because I'd mentioned her name. I refiled and then their response was that they already resolved the complaint ... which they had not. | ||||||
| 04/10/2017 | Yes |
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| I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from XXXX Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersing any payment. They chose not to do this. When I received the letter ( XX/XX/2017 ) I called them again to reiterate my previous conversation with a Rep, XXXX, who said they would pay for the delinquency. I also called to ensure they would pay the amount due, minus the delinquency, from my escrow account. They said they would review my conversation with XXXX and get back to me with a resolution within 24-48 hours. They also stated that I needed to write a letter to have the supplemental taxes paid from my escrow account. I then wrote this letter while I waited for my account to be reviewed. In the letter, I very specifically stated that I do only authorized the payment of the base amount to come from my escrow account and not the delinquency amount. They completely disregarded my instruction and paid the delinquency from my escrow account along with the base amount. They also said they sent a letter when they first bought my mortgage in XX/XX/XXXX that stated I was responsible for supplemental taxes. I NEVER RECEIVED THIS LETTER! A week later ( XX/XX/2017 ) I still had not heard back about the call review. I called to inquire. They said they reviewed the call and that they still will not pay the delinquency and refused to give me access to the recorded call without an affidavit from a lawyer. Every rep at US Bank has been very difficult to deal with and no information is consistent from rep to rep. US Bank Mortgage is responsible for paying the taxes on my property as I make monthly payments into my escrow account for this purpose. Yet, they will not take responsibility for my property taxes and making sure they are paid on time. They also will not honor the words of their representatives nor do they look out for the best interest of the mortgage. They do everything they can to reduce their responsibility and put responsibility back on the customer. I am very dissatisfied with their business practices and believe them to be unlawful. | ||||||
| 01/24/2022 | Yes |
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| In XXXX or XXXX of 2021 I tried to close all of my accounts ( checking, saving, line of credit ) with US Bank. I called and spoke to a representative who closed the saving and checking accounts and then told me I had {$50.00} I needed to pay off on the reserve line ( it had just been transferred that morning to cover an " overdraft '' charge in my checking account to cover another service charge of theirs- so I had no idea this had happened ), but since my accounts were closed now she could not take money from them to pay it off. She also told me that she could not take money from an outside account to pay it off but that I could do it through the outside accounts I had already linked to their website, online. I tried to do it while I was still on the phone with her to be sure and it wasn't working so she told me just to " try to reconnect them and try again, but that it would take a few days ''. I kept trying to pay via my external bank accounts for weeks, to no avail. So I called and got passed around to 4 different people in 4 different departments who all assured me the next person would be able to help me. None of them could. This happened several more times during that first month and every month since, everyone gave me different information, no one could help me, and there was always a different department I needed to speak to, so US Bank continued adding interest to this account that was still open and no one could help me pay it. Once it passed 30 days since my trying to close it, I kept getting interest piled on to the account. I finally tried to go into a bank in person because I got tired of being passed around to different departments on the phone and via the chat, and ended up having to go to two different branches, neither of which could help me. The second one finally told me she could take my payment but at this point I would have to pay all of the interest to be able to close the account finally OR I could go to my third branch of the day and speak with them to see if they would wave the fee, but they probably wouldn't. She also told me this was my fault because I should have been paying attention. This bank is trying to squeeze everything they can out of me in fees when all I want to do is close my account, which they have made impossible. I have no problem paying the original amount of {$50.00} they transferred over without my knowledge, however, I am not paying the excessive interest they keep piling on me because no one knew how to help me close the line of credit account after the others had been closed. | ||||||
| 01/12/2024 | Yes |
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| US Bank stole my money. On XX/XX/2023, they placed a hold on my account without explanation or due cause. I was not informed of this by the bank until I attempted to pay for food, and my card was declined. I called customer service to be informed my account was placed on hold, but they were unsure why and who did it. The person that locked my account did not leave contact information, and instructed them not to remove the hold. Since then, it has been three months of being run around in a circle. Despite communicating with the home branch manager, as instructed, she often grew frustrated with me and told me theres nothing she could do and her hands are tied and that she didnt have the authority they claimed. Ive tried every angle : various departments, branch managers at multiple locations, and even attempted contacting the headquarters. Nothing! I have asked for a letter explaining why my account- over {$34000.00} - is on hold, but they refuse to give me any details. They claimed they wanted to verify my funds but I have more than proven it is meant for me. The branch manager smirked in my face and said, I dont think youre getting this money. They dont think its meant for you. How dare they!?? Ive never felt so profiled by a bank! Ive incurred late fees, and was almost evicted from my home! I take care of my mother and siblings, and Im my moms XXXX - I explained this to them, and they STILL refuse to give me my money! It has caused a great inconvenience in the lives of me and my family, which include a XXXX person and XXXX. Fast forward to XX/XX/2023, they closed both my business and personal accounts. Although the account in question was my personal, they took it upon themselves to lock my business account. They then transferred the $ XXXX from my business to my personal account, then transferred the total amount of $ XXXX to a private account ( which I have no access to, only them ) and closed both my accounts. Standard policy is to send me my money in the form of a cashiers check after account closure, but they are dodging all communication! It has now been about 60 days since my accounts have been closed ( three months since the initial hold ), and they refuse to send me my funds. I have provided all documentation and whatever necessary, and still nothing. Now, they refuse to return my calls, emails, and push me away when I visit a branch although they still have my money ( and refusing to return it to me! ) There has to be something that can be done! There is no way theyre able to just steal my money like that! No way! | ||||||
| 02/17/2021 | Yes |
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| From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. On or about XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, Elan Financial Services effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with Elan Financial Services. | ||||||
| 11/07/2020 | Yes |
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| The first call was a woman that Claimed to be a process server for XXXX XXXX XX/XX/2020. Phone number she called from XXXX. She claimed to have papers for me and I needed to contact her right away. After that first call Ive gotten several calls ( 4 to 5 times daily ) from a man named XXXX XXXX. Said he worked for a law firm. Phone numbers ; he calls from an anonymous phone number, one right after another before he will leave a message. Then he will call from these other numbers XXXX, XXXX ext XXXX, XXXX. These harassments are daily. He wants me to pay him for a US Bank debt of {$3100.00} by a docu-sign email he sent me during the first conversation I had with him. The pressure from him, the degrading threats have caused me into serious XXXX. He told me I was served in XXXX and my case number was XXXX XXXX. He then told me my court date was XX/XX/XXXX at XXXX. But I should pay him now with the XXXX and I wouldnt have to go to court. I was never served any documents from the court. I gave him my credit card number and I have since shut that card down. After I got off the phone I was shaking. He said things degrading me and that I should of been paying my bills. After I got to thinking about my debt I realized that I only had a checking/saving account with US Bank so I called them with all the information he gave me to see if I owed them anything. I didnt have any debt with them. I called the court house and spoke with XXXX to see if I was served and if I was supposed to be in court on XX/XX/XXXX at XXXX and gave her all the information. She said NO and those numbers are false because their document have letters in their case numbers and they dont do civil cases on a Wednesday. He keeps threatening me with filling papers with the court if I dont pay him and legal action will be taken. My husband told him to serve me properly and we will discuss this all in court and to stop calling. But still he continues over and over. I called the State Bar to see if this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX was even a law firm. Its not. The XXXX XXXX told me to call the district attorney office inXX/XX/XXXX to see what they could do and so far because of my work schedule I missed her phone call but desperately want to speak with someone there. Yesterday, XX/XX/2020 he threatened to call my work and harass me there. I had to speak to my boss and let her know what is happening and its humiliating. Im tired, with constant anxiety and fear this man is going to come to my home or work. If this was legit I would face it but its not. | ||||||
| 03/01/2016 | Yes |
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| I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. Thank you for submitting your complaint to the Federal Trade Commission. Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your information. | ||||||
| 06/26/2018 | Yes |
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| I used my card on Thursday XX/XX/XXXX to make a purchase for {$7.00} from XXXX XXXX grocery store. Before making this purchase i checked my US Bank app to make sure i had sufficient funds, at that time my app showed that i had {$23.00} in my account. After the purchase of {$7.00} it showed i had a remaining balance of {$16.00}. I then made a purchase for {$9.00} at XXXX 's XXXX XXXX that evening. I should have still had money remaining according to what the app showed previously. I didn't think anything of it and didn't check my account again until the next day Friday XX/XX/XXXX around XXXX. At that time my account was overdrawn by - {$43.00}. I was definitely surprised when i saw that. I immediately called US Bank and was advised that when i made that purchase at XXXX grocery store i had overdrawn my account. As you can guess i wasn't happy, i explained to the customer service rep that according to my app i had the funds to cover the purchases i made. The rep told me there's nothing that can be done as that's not what they're showing on their end. I voiced to the rep that something was obviously wrong with their product, the app and that to me as a consumer that was deceitful, because it doesn't show the same information. I explained that according to my us bank app i had a balance of XXXX left after making that purchase at XXXX and that that was in the completed transactions sections not in pending. The completed transactions showed a balance of XXXX and then in the pending transactions you see my purchase at XXXX 's, a XXXX cents XXXX purchase, and then you see an overdraft fee in the amount of XXXX applied. which caused the initial overdraft amount of - {$43.00}, which included a XXXX charge of {$11.00}. I've called the bank 3 times since i noticed the overdraft and the company was unwilling to help me. I then contacted XXXX and XXXX and had the transaction reversed and moved to a different payment method. they were kind enough to refund me. On Saturday once the transactions started to post i was assessed another overdraft fee overdrawing my account in the total amount of - {$78.00}. {$72.00} we just in overdraft charges the other {$6.00} was actually money i ended up overdrawing. I went down to the branch Monday XX/XX/XXXX to pay the over drafted amount of - {$78.00} so that it didn't accumulate any further fees. I am disgusted with US bank and can not believe they do this to their customers. If there is another class action lawsuit due to their crooked practices i will be a part of it this time, if this is not resolved. | ||||||
| 03/09/2018 | Yes |
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| XXXXXXXX XXXX XXXX Credit Card through XXXX XXXXl On XX/XX/XXXX, I called XXXX XXXX to initiate a name change request and to report that I had found out my identity had been compromised. I spoke with a customer representative would initiated the name change request and mailed a form to my existing address. She then transferred me to a fraud specialist who said that can put an alert on the account to verify additional information before making changes to the card. There was no mention of never to be able to make changes to my account. I would I received the form to make the name change and mailed it along with the copy of drivers license as requested. I then received a letter from XXXX saying that the can not make the name change and to contact customer service. I also tried to log on to make a payment and my online banking had been turned off. On XX/XX/XXXX, I called XXXX and spoke with multiple customer service representatives. After an hour long call, the Fraud rep stated that no changes could be made to my personal information due the compromise of my social security number I reported. However, I was free to continue to use the card under my existing name. I asked how that made any sense and what would happen if I was requested to prove identity at a business while using. I asked how I was to receive a statement as my online banking was turned off. I also asked how I would be able to change my address, if I were to move and had a balance as the alert on the account would not allow for any changes. She was kind and apologized but stated there was nothing that could be done because the " higher-ups '' put the restriction on my account. I asked if there was a phone or a way to contact the " higher-ups '' and was told no. I have been a customer since XXXX. I was able to provide a correct answer to identity and card verification. I also have used the same cell phone number for the same number of years. I own the home I live at and could provide a deed and other pertinent records to document my name. Also, even with the fraud, my credit was still in good standing with no high balances or late payments ( even on the two fraudulent cards that were reporting as I was able to resolve quickly with those creditors ). I can show that I have been a customer who has made all payments and utilizes the account as needed. I also spoke with the XXXX, IL XXXX Illinois XXXX to see if they would be able to submit a request or provide me with more information to see if there was a way around the " alert '' that was placed on the account. | ||||||
| 06/10/2020 | Yes |
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| Before COVID-19 hit CO too hard, my husband and I called our mortgage lender ( US Bank ) to find out if they had any programs in case we ended up needing one. We just wanted to know what our options were and said we would call back if we wanted to pursue one. A few days later we received a letter from US Bank ( dated XX/XX/2020 ) informing us our mortgage had been placed on a forbearance until XXXX and they would be reporting to the Credit Bureaus. We did not consent to this forbearance and did not want it. We immediately called US Bank and asked to be removed. They required that we write them a letter and send it to them ( via email ), which we did ( sent XX/XX/2020 ). They received and processed the letter, yet failed to remove us from the forbearance. We continued to pay our mortgage on time as originally agreed, and had to do so manually as they disabled our auto-pay due to the forbearance status. Thereafter, my credit score dropped 100 points due to a remark on my credit report from US Bank because of this forbearance. After a great deal of hassle, US Bank claims they have removed us from the forbearance and submitted credit corrections. XXXX updated my score ( increased 102 points overnight ), but XXXX did not. ( I do not have quick access to XXXX score ). I have checked again today, XX/XX/XXXX, and my credit score on XXXX has once again dropped 102 points due to a US Bank Mortgage remark. My husband 's credit has been negatively affected as well. As a result of my credit plummeting due to their carelessness, we have been unable to even consider a refinance ( currently very low rates and wanting to get away from US Bank ), purchase a new vehicle, or seek any new credit. I am waiting for a comprehensive list of documents and call records from US Bank, which I highly doubt I will receive without your help, or without a subpoena if it comes to that. My husband and I pay very close attention to our accounts and to our credit so we were able to catch this early ( still been going on for months ), but I fear for how many people this has happened to who haven't been paying as close attention and what damage this could do to someone's credit, especially with autopay being disabled and the bank making decisions on behalf of people without their knowledge or consent. Even more upsetting, this is happening at a time when we are all financially vulnerable due to COVID-19. We have no recourse but to hope the bank follows the rules ( which they have already failed to do ), and to seek help from our AG ( complaint filed ) and CFPB. | ||||||
| 04/14/2015 | Yes |
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| I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored. I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer. This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it. | ||||||
| 12/09/2023 | Yes |
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| I am the victim of Credit/ID theft for the better part of the last 3 years. There are security freezes and fraud alerts at all credit agencies for going on a year now. XXXX XXXX XXXX after opening the account sent letters in reference to an alias name and TIN identification combination not being correct and enclosed a substitute W-9 form to fill out for Check systems. The letter also included an ultimatum that if I did not supply the information within 30 days my accounts and all accounts using the alias would be assessed 24 % back up withholding taxes. I live on a survivor pension. It is my only source of income. Plus, XXXX XXXX. XXXX sent letters similar to US Bank about my name and number. The IRS and the SSD have had my legal valid name since XXXX. I could not understand where the alias came from. US Bank issued several products with the alias. The debit card was manipulated to deduct XXXX $ hidden fees causing an overdraft. Credit card payments being paid from the posting balance and not payment date into a hold causing overdrafts. Wrong name on checks costing XXXX $ no refund. Checks never used. Ordered new debit which arrived with the alias. I filed a complaint with the BBB asking them to advise this bank at XXXX XXXX XXXX to cease communications and close the account after I attempted several times to cure a XXXX negative balance caused by US Bank just to end the situation and move on. I sent a check on XX/XX/XXXX it remained uncashed and not credited to my account for XXXX weeks. A constant stream of bank negatives created by US Bank to severely abuse me as a direct deposit pension account. I continued to receive letters via USPS stating no communication is not going to stop the debt from being pursued and I will continue to receive statements with updated bad debt. information to be reported to prevent eligibility for banks products in the future at other banks. XXXX XXXX did the same thing. Created a fake debt. Refused to close the account which remained open and inactive for 2 years collecting fees and being reported constantly to credit bureaus with inaccurate information. XXXX created a duplicate account doubling all inaccurate fee charges and account transactions. Several attempts at phone interviews with bankers ' unsuccessful resolution or ignored completely. I have been battling banks with my sole source of income being used against me as a weapon and being domestically terrorized to the point of collapse. I want this US bank to leave me alone. I am ready with evidence to pursue in superior. XXXX XXXX XXXX | ||||||
| 04/22/2022 | Yes |
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| To whom it may concern My Name is XXXX XXXX XXXX XXXX XXXX, my wife and I have been a customer of US Bank for approx. 42 years. In XX/XX/2021. I had applied for a car loan at my local US Bank on XXXX XXXX. When I went in to sign the documents for the loan I was made aware of two facts that concerned me : 1. XXXX XXXX XXXX XXXXXXXX XXXX had taken it upon herself to use my application information to log into my XXXX XXXX account where I had my new car loan to review my personal/Bank information. Her actions violate the Fair Credit Act since she previously ran my credit and now was also using this tactic to research my personal information with XXXX XXXX for approval of this loan. 2. In addition to this XXXX XXXX demanded that I allow the loan to be paid monthly via direct deposit. I had a problem with this as well since my wife and I were customers of US Bank for approx 42 years and NEVER paid a loan late. When I explained this to her she informed me that my previous loan history with US Bank " didn't matter '' and that this was the only option I had. I told her that I was going to cancel this loan and leave. I asked her to destroy all the paperwork so I can leave. She refused and I left without taking the check. I didn't think much of this until I recently received 3 notices 1. dated XXXX -- - 2. dated XXXX both stating that if I didn't send them the Title to my vehicle I would be in default and that they will be forced to put a lien on me. 3 Notice dated XXXX Closing all my accounts I called the Branch Manager with this concerns, but all she ( XXXX XXXX - XXXX ) wanted to do was discuss the fact that occurred back in XX/XX/2021 with my loan. She refused to address my concerns with my notices. I called the US Bank XXXX number and spoke to XXXX but she refused to give me any written information that would assure me that it was taken care of. Today, I received a Certified letter from XXXX XXXX at the XXXX XXXX telling me that she had closed all my accounts including the checking account that we have had for over 40 years Account # XXXX. I believe that the methods used by US Bank not only are illegal and unethical but violate the fair credit acts and are discriminative Title VII. I need your help in resolving all this issues. For this reason I authorize you to speak to anyone at US Bank on my behalf. If you need copies of all the information that I have from US Bank let me know. Vehicle Account # XXXX VIN XXXX Checking Account # XXXX Title Service Department US Bank XXXX XXXX XXXX XXXX email XXXX Thank you in advance | ||||||
| 08/01/2018 | Yes |
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| I've been a cardholder at U.S. Bank for at least five years. In those five years I've maintained perfect payment history. Early last year my 0 % promotions periods ended and my interest rates surged to 24-26 %. Despite changing careers, being forced to take a pay cut, and moving in with family to be able to continue making my credit card payments on time, I've tried asking various representatives and managers to lower my interest rates ... .but they've been extremely unhelpful in the following ways : 1 ) The representatives/managers mislead the consumer by stating they will look to see if there are promotions for lower interest rates, knowing that there are none ... ever ; 2 ) Depending on who you talk to, they misinform the consumer about credit hardship programs. For example, one representative told me earlier this year that the hardship department would talk to me if I was only one- to two days late making a payment. Yet when I tried doing that, I was charged a late fee and was basically told my account wasn't late enough, and that it would have to be in collections in order for them to work with me. I demanded a refund of the late fees due to their misinformation, which they granted. But then I was told by another manager that since most of my credit card accounts are closed, I'm locked in at that ridiculous rate and there are no promotions to lower my interest rate on the remaining open card ; and 3 ) U.S. Bank representatives/managers say the ONLY hope at a lower interest rate is to contact Consumer Credit Counseling. U.S. Bank is the ONLY credit card company that does not offer a hardship program to consumers struggling to make on-time payments. I negotiated lower interest rates and fair payment plans with XXXX XXXX, XXXX, XXXX, and XXXX. To add a cherry to the sundae, tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager, ( XXXX, ID no. XXXX ). He called me irresponsible, leveled all sorts of accusations towards me about my " lifestyle decisions, '' made judgments about me racking up debt when I simply tried to explain to him that I changed careers and had to take a pay cut, thereby having to use credit cards to live on to make up for the loss. I've since closed out those cards so I could make efforts to pay them off. He could see my accounts ... that they were closed, yet continued to be abusive, condescending and degrading. I'm in the process of interviewing attorneys to help me further escalate this complaint, and am reaching out to your agency as well for a fair resolution. | ||||||
| 08/02/2016 | Yes |
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| US Bank National Association dba XXXX XXXX XXXX has failed on several instanced to adhere to the terms of THEIR card holder agreement. After enticing that my tax refund be direct deposited to my card through a {$10.00} credit advertisement the company refused to post the funds to my card. I was THEN informed that they only take deposits up to {$5000.00}, which varies greatly from the terms of their agreement. In XXXX XXXX, prior to filing my taxes, I contacted customer service for my XXXX XXXX thru XXXX XXXX bank statements to help me with filing my taxes and was told that they no longer had access to my records. I advised them that Federal law mandated that the keep these records for a number of years, the rep had no knowledge of the laws and advised that she would escalate the matter and have their superiors contact me. I am still waiting for that call back. In XXXX I used the card for incidentals at XXXX hotel. XXXX XXXX charged my account in excess of the amount the vendor attempted to hold and refused to credit it back after the vendor released the hold. I spent over 8 hrs on the phone with various reps who pretended that they could not release the hold, when paragraph XXXX of their agreement provides a means to do so with written authorization from the vendor. I advised XXXX XXXX that they were in violation of THEIR agreement and the rep, XXXX stated she could not further assist. On XXXX XXXX I requested an arbitration hearing and to date I have not received a hearing date or any information regarding the status, resulting in 3 additional calls. It is my opinion that XXXX XXXX preys upon individuals with financial troubles and lack of financial laws. Even though they have refused to adhere to their agreement, they continue to charge a {$3.00} service charge. The prepaid card is SUPPOSED to provide me with {$5.00} per {$1000.00} in free groceries, however the clerks at the XXXX family of stores have NO KNOWLEDGE of the program and regularly fail to provide this " benefit ''. Each month I have to call in and I am told the phone reps can only see that I earned the benefit, but have no way of tracking if the benefit was used by an unauthorized party. When I requested an inquiry on the matter I was advised that someone would call me back within 48 hours to let me know. To date, I have NEVER received a return call from my numerous inquiries. Please review the attached information and feel free to contact me for more details regarding the atrocious disregard for the financial laws of the State of Ohio and the United States. | ||||||
| 09/15/2017 | Yes |
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| I am a 12 years customer and a US citizen, US Bank Closed my 2 savings and a checking account on the XX/XX/XXXX and XX/XX/XXXX After I realized that I did have not money I called customer service on the XXXX, they could not help me and I went to the branch, After phones call from the Manager XXXX XXXX XXXX in XXXX XXXX branch in XXXX Oregon, she said that were closed for missing information that I did not provided in my direct deposit, they said I work for XXXX XXXX and get paid by XXXX XXXX, I showed her my work ID card and she wrote and email to the main office. I get some letter from US bank asking for those information and I called on time I have probe of that in my phone statement. She also told me that my check from my saving account will be mailed overnighted because the amount and the others will be regular mails. I went back to the branch Friday XXXX to ask about my money and a new manager told me after check in the computer that my money was shipped regular mail but could n't tell me why the accounts were closed. Wednesday XXXX I returned to the branch and another Manager did the same research but with no solution for me because no checks or letter has arrived by mail, I told them that I will place a complaint against Us bank and they gave me a brochure with the term and conditions, they can close my account for any reason or no reason but letter and checks has to be mailed to me in 10 days, I went back on XXXX but no luck. Saturday XXXX I received 2 letters from US bank credit cards telling me that they have elected to close my 2 credit cars that I have in good standing, the day to be closed is XXXX, Today I have received and offer from US bank online and they have increased my line of credit because my high credit score. As today XX/XX/XXXX, I have n't received any letter from US bank letting me know the reason for the closure and I do n't have my 2 savings account checks yet. I have been struggling with finances, all my bills were paid by friends, I have n't support my family in XXXX since the XXXX XXXX hit the city where my family live. US bank have a really bad customer support because no one can tell me what happened, they now will also destroy my credit because they are closing my credit cards. I feel very helpless and I would like someone help me in this matter. It is ok to close any body account but they have to provide information and the money that is all my life saving. I am 15 days with not money because a really bad work at US bank corporation. Please any help will be gladly appreciated. | ||||||
| 01/06/2021 | Yes |
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| I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased. | ||||||
| 12/11/2018 | Yes |
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| I first applied for a modification when I became ill with XXXX loss of income my mortgage payments went up my income for XXXX at the time were {$1400.00} amonth my mortgage payments went up after modification to {$1200.00} at that time I reached out to us bank mortgage because the reason ffor me applying for a modification on XX/XX/XXXX was cause I couldn't afford my first mortgage payments when I bought myy home in XXXX it was {$150000.00} which is now worth $ XXXX long story short I was toold to reapply well I did again and I wanted to sale my home since I couldn't afford it bbby being XXXX and very ill my health steady declining in XXXX XXXX I received a notice from us bank home mortgage saying that my loss modification pack was facially complete on XXXX XXXX on the XXXX an appraisal was done for a property valuation an completed on XXXX XXXX I received the results for that for my reference it was for my review they said but it was really to steal my home after they found out what it was worth an its worth that because of the area and money I have invested in it which is alittle over {$110000.00} in equity I feel so scared upset worried to the point I also have XXXX XXXX just was hospitalized for from the stress of filing a claim with my home issuance company for windstorm damages and paying a {$2000.00} deductible and {$2100.00} in mold removal that was making me sicker due to us bank and the insurance company taking their time then plumbing issues had to come out of pocket for that sewer issues and to come to find out after repairs were completed on XXXX XXXX someone shows up to my home the day before XXXX giving me a notice to vacate my home by XXXX XXXX no proper notices phone calls or emails had me waiting on the next step in the loss mitigation talk to my relationship manager at us bank home mortgage they hadn't to her anything either last I heard from XXXX ext # XXXX they were all going into a meeting 2weeks ago to figure out how did the foreclosure happened while I was in los mitigation that they had to pull records emails phone calls etc now I can't reach her can You please help me im being harassed by someone on my property everyday saying their from us bank and now a letter saying there of eviction within the next 4 days the is urgent help me its winter cold outside I have no more money left nowhere to go no family to live with im devastated terrified don't know what to do next. I feel us bank stole my property and I am losing everything while they make double on money on my home. thank you for your time | ||||||
| 07/18/2023 | Yes |
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| The weekend of XXXX XXXX US Bank transferred my bank account information from UnionBank ( which it had purchased ). Unfortunately its instructions about how to regain online access did not work properly, so on XX/XX/XXXX ( I believe ) I spent several hours at the new US Bank branch while the employee enabled access to my new accounts at US Bank. On XX/XX/2023 {$5000.00} was electronically transferred out of one of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. On XX/XX/2023 {$5000.00} was electronically transferred out of one of my business checking accounts at U.S. Bank. I was provided no notice of this transfer. On XX/XX/2023 {$10000.00} was wired out of another of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. The night of XX/XX/XXXX I logged onto my US Bank accounts online and noticed only {$400.00} in an account that previously had over {$10000.00}. The next morning I called and arranged to meet with my local branch after finding these fraudulent transactions in these three accounts. The bank closed these accounts and opened new ones and replaced my checks. At the same time, we overheard another couple talking with another banker about fraud on their accounts. About 15 days later the bank 's Digital Claims Services mailed three letters ( dated XX/XX/2023 ). The one pertaining to wire fraud said I " authorized the wire transfer '' ( which is factually inaccurate ) and " We have investigated the matter and requested that the beneficiary bank return the transferred funds. Unfortunately, the beneficiary bank did not accept or acknowledge the request ; we are unable to further assist in this matter. '' The two letters pertaining to electronic transfer fraud stated " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' I met with the local branch manager again a few days later, who promised to escalate my case, but personally got no help from the corporate office. I have spent over XXXX hours on the phone with the Wires Department, Fraud Department, and Online Banking and have received no help in getting information about the receiving bank and account number that would enable me to follow up. US Bank has taken no responsibility for enabling access to my account. I have contacted my employer 's IT company about this situation, and was given their opinion that a breach of my account likely took place while security was reduced while the employee gave me online access. | ||||||
| 03/26/2019 | Yes |
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Web | Older American |
| My husband was given 3 MasterCard Debit cards from his work as awards. He gave them to me and since they were still enclosed in the wrapper I thought I would save them to use on a trip etc. I assumed like most credit cards you have to call a number to activate for use and I never did this because I hadn't opened them. When we were going to XXXX this past XXXX to see my daughter I opened one card and the sticker said your card is now active, so start using it so I tried it at a restaurant but it said I had 0 balance, and I tried it again in XXXX seeing my other daughter in XXXX and same thing=XXXX balance. So a week or so ago I called the number on the card sticker XXXX customer service for MasterCard gift cards and they said they could try to submit for a fee reversal on the 2 cards I had never tried to use but not the one I attempted to use. Yes there was XXXX balance and there were inactivity fees ( which I didn't notice ) applied ( $ XXXX ) XXXXXXXX balance on the cards.I was told to call back 24-48hrs to see if a decision to reverse the fees but no response and they resubmitted it again for 2 of the cards.It just seems I'm out {$120.00} even tho the expiration on cards is 2023. Today I tried to call US Bank XXXX XXXX ( since these cards are issued by them- and they have been my bank for 23yrs and I cant believe they would put out a card like this ) and was passed to XXXX people and then to? who told me to call the number on card. So I called the consumer financial protection bureau. Card # XXXX, & XXXX ( I tried to use this one ). Yes I didnt read the small fine print on wrapper but I didnt realize it was active till I opened the wrapper and read the sticker that said your card is now active so use it. My opinion is there should never be an inactivity fee- it should only go by expiration date otherwise its ridiculous to put an expiration date several years out if the inactivity fee will expire the use of the card within less than 2 yrs.This is quite the money maker for MasterCard/US Bank XXXX XXXX because I'm sure I'm not the only one this has happened too. I would appreciate your help in trying to recoup any funds possible from these " gift cards '' if possible. Also some state laws have no inactivity fees and no expiration of the value of the card which all states should have or the cards should retain full value till expiration date of a few years. Thank you for your help with this matter. There should be one law the same in all states regarding MasterCard Gift Cards and others about valuation/expiration date. | ||||||
| 08/19/2016 | Yes |
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| I paid off our U. S. Bank Business Edge Cash Rewards Card on XXXX XXXX, XXXX, and we quit using that card. I often leave credit card accounts open even though I no longer intend to use them, as many people do. In XXXX XXXX, I realized that I had received XXXX statements ( from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for this card showing that I have a balance and that my old automatic payment had paid the minimum payments. I then realized that U. S. Bank had charged me an annual fee of {$25.00} per cardholders on the account, totaling {$50.00} for my husband and myself. Since my auto payments only paid the minimum due, they then started charging me interest on the remaining balance. I called U. S. Bank on XXXX XXXX, XXXX, and told them that I had stopped using the cards a year ago. I asked them to remove the annual fees, credit back the interest and payments they took from my checking account, and to just close the account. They agreed to close the account but said they would not do the refunds. I was very surprised as I have had this same exact situation happen with other card companies in the past and they always credited back everything without any problems and closed the account upon my request. I just received another statement dated XXXX/XXXX/XXXX, and the account appears to still be open or, maybe they are just sending bills for it thought it is closed. In any case, they still show me owing the {$42.00} previous balance and they charged me {$21.00} in late fees and interest. Can they really require me to pay a fee on cards that I no longer use or want? I did pay the fees for a couple of years while using the card, but as I mentioned, I 've done that on various credit cards through the years and never had a problem just leaving the account open after it was paid off and letting them know if they did charge an annual fee later that I no longer wanted the card. Some of them never even charged a fee since I was n't using the card and the accounts have, to my knowledge, just stayed open. I have used U. S. Bank quite a few times through the years. Although I had enough problems in recent years that I did not want to ever use them again after paying this particular card off ( and I sent them a letter letting them know that, perhaps that is the problem! ), I know I have never paid annual fees to them before on cards I am not using. I would appreciate your help in resolving this matter. The amount of money is small, but I really do not want to pay this just because I do n't think it is ethical for them to do this to people. | ||||||
| 08/23/2021 | Yes |
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Web | Servicemember |
| To whom it may concern I am writing in response to the correspondence received from a representative of US Bank as it relates to the miss-use of my 2nd stimulus check. The representative indicated that US Bank does have possession of that check and did deposit those funds Into an account that has been closed in excess of four months. That account had been closed for the same reason that my first business account with US bank was closed, due to hacking and theft. As of XX/XX/XXXX fraudulent checks were still being presented according to their fraud liaison. My concerns are as follows : 1. It is a business account that a personal check to me was deposited into that I myself, as a consumer can not deposit into my own account. My children and I are XXXX XXXX XXXX XXXXXXXX and still XXXX, XXXX, and my children live in constant XXXX of their lives. I cant move cause of this. 2. I spoke With representatives of US Bank in the month of XXXX as well as XXXX to confirm they had not received my second stimulus nor the third check. Each of those times they indicated that because the account was closed that it would be automatically returned back to the IRS. 3. It was the IRS themselves Who indicated that XXXX XXXX did have possession of the check as of the end of XXXX in an account with my Social Security number attached to it. It was not until I reached out to the XXXX XXXX XXXX that the bank indicated that they had received it. They then indicated that it had been electronically transferred to US Bank. Upon Which I contacted US Bank and they confirmed they opened this closed account and deposited the {$2400.00} XXXX XXXX XXXX after the previous 4 months being told no that it would reject it and return to the IRS. IF THEY HAD NOT STATED THAT I WOULD OF NEVER COME TO KNOW OF XXXX XXXX months later. So this statement in this letter is another lie. The ledger clearly say Tax related. So they he couldnt tell where it came from? 4. I then initiated a trace on the second stimilus check with the assistance of Senator XXXX XXXX and the office of Rep. XXXX XXXX. In my next communications with a representative of US Bank we were told that the check was no longer in that account. They were asked at least twice on that day to verify that what they were saying was true. 5. I would like to add that I did forward my current banking information to XXXX XXXX early on with a plea to transfer it to the correct account given the situation with no response. It is my hope that a speedy resolution can be devised. Cordially, Mr. XXXX | ||||||
| 12/16/2020 | Yes |
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| I called in on XX/XX/2020 and spoke to several customer service representatives that provided an unsatisfactory experience. I initially called in because I was notified of a conversation survey request from a dialogue on XX/XX/2020. I informed the first representative XXXX, that I did not make a call nor speak with anyone on the XXXX. She mentioned that there was a note on the account from the investigation team. She mentioned that I needed to upload my ID along with a selfie photo, calling the process the selfie verification. I had never heard of this, nor received a notification about this. She mentioned that this process was in the card holders service agreement, I asked where it was, and her responses were aloof. I asked for a supervisor, and she claimed that there werent any supervisors available. I called back and spoke with XXXX, I told her that my card was not working, and she mentioned that it was inactivated on XXXX XXXX, 2020. She mentioned that the offline department tried to reach me for verification. She proceeded to inform me about the selfie verification, I asked her if this process was in the card holder service agreement. Her response was that she did not know, and that it probably was. I informed her that I looked for such a process, and it was not there. Her immediate next move was transferring me to the fraud department. Then the call dropped and was never connected to the fraud department. I called back and spoke to a third representative, who I requested to make a formal complaint of the intentional vexation regarding my account. The representative, apologized, and asked if she could help. I asked for a copy of the complaint, she assured that she would take care of it. She proceeded to inform me about this Selfie verification process, that was needed by some backend department. I asked, why was it necessary, since I provided all requested documentation through the state. She mentioned that they have separate verification process, and my account was flagged because I changed my mailing address. Suddenly, the call was transferred to a survey line. I spoke with a supervisor XXXX XXXX XXXX, and she mentioned that my card was restricted, because it was flagged for fraud because I changed my mailing address. She mentioned that I can upload my ID to verifyusbank.com/ID. I typed in the address, and the page would not load, because it was an invalid IP address. She mentioned that I could fax over a copy of my Social Security Card with ID, so the restriction could be lifted. She hung up the call. | ||||||
| 04/23/2020 | Yes |
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| I received an offer in XXXX to spend $ XXXX on a card within 120 days and get XXXX points ( $ XXXX ). I spent over $ XXXX - this includes about $ XXXX in spending and $ XXXX in credits, since there were a couple incorrect large charges from vendors that had to be credited, but everything spent and credited on the account happened within the first 120 days. First statement after spending there was no bonus ( within the 120 days ), so I called up and the XXXX XXXX said sometimes it takes an extra statement, but he saw I spent the $ XXXX and would get it by then. Next statement closes, still no bonus. I email them, XXXX XXXX who responds said it's because of the credit. I call up as I know I still spent the full $ XXXX even with credits, first XXXX XXXX repeats what the letter said, but then added all charges up himself and agrees I am correct and should have gotten the bonus. He speaks with a supervisor who says I'll get it within 7 days. A week later, I get a letter in the mail again stating that I did not spend the $ XXXX and thus am not eligible. I call up and the supervisor I ask to speak with first also says I did not spend the $ XXXX, but then does calculations and says I did, but he says he has no power to do anything except submit another request to a department that handles this, and they will send me a letter.I called up today ( XX/XX/20 ) and the supervisor now finally says that the reason I did not get it is because a charge was reversed but then put on an authorized user card instead of my main card. I called up multiple times when it was within the first 120 days and the customer service rep said everything was fine, I spent the {$10000.00}, and I would get the XXXX. Nowhere did they say that it had to be on the main users card and not an authorized user, or else I easily could have put the remaining spending on my card instead of my wife 's. I have never before had an account bonus where all spending had to be on the main user card in my 38 years, and the fact that XXXX customer service agents told me I was ok as well as a supervisor, and it was within 120 days when I still could have spent the money when I called and they told me it is ok, should be enough for US Bank to please make an exception if that is the issue and please issue the XXXX points. I've never had a bank act this way before, and the fact that the customer service agent made an error on this and I could still have spent the money, I would ask that US Bank please keep a business customer and make an exception to post the XXXX points. | ||||||
| 06/25/2023 | Yes |
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Web | Older American |
| Im writing to ask for your help with US Bank dispute # XXXX to reclaim monies erroneously charged to my checking account by XXXX early XX/XX/2023 in the amount of {$490.00}. I filed the dispute on XX/XX/2023. US Bank requested documentation, which I provided. On XX/XX/2023, I received a letter from US Bank stating they were reversing the funds and closing the dispute based on insufficient information received, i.e., copies of emails and chat logs between XXXX and myself, copies of the original order with XXXX, tracking number, etc. I have, since XX/XX/2023, spoken with several people at US Bank. At your request, I will provide names and dates of each call. On XX/XX/2023, I spoke with XXXX at US Bank and was told that my case would be reopened, the funds returned to my account, and the evidence further examined. When I called a week later to follow up I was told XXXX should not have said she would reverse the funds because XXXX is not a case processor and that a case processor would be in touch. Please request from US Bank the recording of this call which I was told they keep on file. On XX/XX/2023, XXXX XXXX case processor ) left me a message outlining the information she needed to reopen the case. When I returned her call I was told that I could relay the information to the operator and that they would input it into my file. I am told this every time and every time I provide the requested info which they in turn input into the US Bank computer system. However, each time I am told that I can not be put through to a case processor and will need to wait 24-48 hours for a call back that either never comes or that I miss because I dont use a cell phone. This exact scenario has occurred several times ( I can provide documented names and dates at your request ), each time Im told I must wait another 24-48 hours for a call back. On XX/XX/2023, I spoke with XXXX at XXXX and specifically asked that the case processor ( in their voice mail to me ) leave their direct line ( which I was told by XXXX they have ) so that we can make contact. XXXX said the CP would call back within 24-48 hours and would leave this information in a voice mail. I am still waiting for this call. Im asking for your help in getting this case reopened, properly examined and funds ( {$490.00} ) put back in to my account. Please let me know if I can provide your office with any additional information or documentation. Thank you in advance for any assistance you may provide. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OR XXXX XXXX | ||||||
| 11/29/2016 | Yes |
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| In XXXX I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was XXXX. They gave a loan commitment letter on around XXXX/XXXX/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, XXXX XXXX, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on XXXX the title company contacted me and stated that US Bank was not responding to them to give them the information required for closing. I tried getting in touch with XXXX XXXX and the loan officer XXXX XXXX multiple times on XXXX, XXXX, and XXXX through phone calls and email with no responses. On XXXX I was able to get a hold of XXXX XXXX 's supervisor, XXXX XXXX, who said XXXX has been out of the office and that he 's ( XXXX ) is " not involved knee deep in every loan ''. After it was clear that XXXX was n't going to be of any help explaining why the closing disclosure was n't available for the title company I was able to get the contact information of his manager, XXXX XXXX. XXXX XXXX returned my phone call on XXXX at approximately XXXX. Less than 48 hours away from the scheduled closing. At that time he informed me that they could not close on the loan as scheduled. Furthermore, US Bank wanted several repairs to the house to be made prior to closing. At no point in the loan process had U.S. Bank asked for any repairs to be done to the house and had provided a loan commitment letter that did n't have any repairs as a condition on closing. He was shocked and said that he was speechless when he found out that I was just finding this out. The repairs that they were asking for at the last minute were unreasonable. For example, it was stated that a walkway need to be replaced because there was a slight dip that could be a tripping hazard and that we needed to install globes around closet lights. XXXX XXXX did apologize and informed us and the sellers that closing had to be delayed because US Bank failed to deliver on a loan through no fault of our own. The sellers and I lost confidence in US Bank 's ability to deliver the loan and agreed the best way forward was with a different lender. We did close on the house two weeks later using a different lender. The delay in closing cost us {$4800.00} in compensation to the sellers, {$630.00} in additional loan expenses, and mortgage interest rates had gone up an additional .25 % | ||||||
| 01/07/2024 | Yes |
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| Subject : Complaint Regarding Opening a U.S. Bank Checking Account Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their considering the Checking Account ending in XXXX as an opened account of mine. I applied a U.S. Bank Checking Account ( ending in XXXX ) and the application was approved on XX/XX/2022. I didn't make a minimum opening deposit of {$25.00} and the Checking Account ending in XXXX should not be considered as " opened ''. However, U.S. Bank regards the Checking Account ending in XXXX as an opened account of mine. Therefore, I have a serious concern about the definition of " open an account '' because the term " open an account '' is not rigorously defined and clarified to consumers from the side of U.S. Bank. From an official U.S. Bank website ( see Attachment XXXX XXXX XXXX XXXX ), footnote 11 in the Disclosures says " {$25.00} minimum deposit required to open a U.S. Bank consumer checking account ''. On an official U.S. Bank webpage ( see Attachment 2, " What you need to open a checking account '', XXXX XXXX XXXX ), " a minimum opening deposit of {$25.00} to activate your account ( once youve been approved ) '' is listed as one of the requirements to open an account. In my point of view, an account can be considered as " opened '' only if the application of the account is approved and the account is activated with an opening deposit of {$25.00} or more. Another similar statement from an official U.S. Bank website ( see Attachment XXXX, XXXX XXXX XXXX ) says " open an account in minutes with a minimum balance of {$25.00} ''. Based on the statements shown on the official U.S. Bank website, an account can not be considered as " opened '' without a minimum balance of {$25.00} from the consumers ' perspective. Moreover, I contacted one of the U.S. Bank agents, by which I was told that " since I had not made a {$25.00} initial deposit, my account ending in XXXX was not considered opened ''. If I was clearly told and explained by U.S. Bank agent or official U.S. Bank website that the approving of an application is considered as " opening an account '', I would never close the account ending in XXXX. To be concluded, the account ending in XXXX should not be considered as " opened '', therefore I didn't have a U.S. Bank consumer checking account in the last XXXX months. I request that the U.S. Bank should not consider the account ending in XXXX as an opened account of mine. | ||||||
| 01/03/2022 | Yes |
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| I just called US Bank to close the XXXX XXXX XXXX XXXX account there ( XXXX ). It is a CD and does not mature until next yearit is a 3-year CD. I spoke with XXXX who told me there would be a penaltyI expected that. She said closing the account today the payout would be {$160000.00}. Todays balance on the account is {$160000.00}. Astounded, I asked her how she came up with that amountyou typically forfeit the interest on the account for an early withdrawal and the interest for ALL of last year was about {$160.00}. I asked her to provide me with documentation for how the penalty is calculated. She was gone for a long time. She came back and said she wasnt seeing anything and I would need to go in to a branch. I told her she had to have how the penalty is calculated in writing and she was going to have to show me that because Ive never heard of such a steep penalty. She said she had something to send me. I asked to speak to a supervisor. A few minutes went by and she came back and said she found it on the website. She directed me to USBank.com ; Personal ; CDs ; How CDs work. I read the applicable section on Early Withdrawal to her aloud : Early withdrawal : If you withdraw money before the CDs term ends, youll usually have to pay a penalty. This penalty varies, but you may have to give up some of your interest earnings sometimes as much as three or six months worth. Again, I reminded her that in ALL of last year we only made {$160.00} in interest. So how did we get to a penalty of over {$5000.00}? She said she puts in the information and it gives her the amount. I told XXXX that I need to speak with a supervisorshe said they were all in meetings, but will call me back. I told her I needed a call back-that I will not be reaching out to them again, but will go to the authorities. She said, Yes, maam. I asked if she had my number, long pause then she read an old home number to me. I gave her the XXXX Office phone number : ( XXXX ) XXX-XXXX. I asked who would be calling. She said XXXX. I asked her for her last name. She said it was XXXX. When I asked for her direct number she said she didnt have one. Her title is CSR Manager. She asked if there was a time she shouldnt callI told her no. Anytime was fine. I confirmed again the dollar amount of the proceeds {$160000.00} and asked for todays balance : {$160.00}, XXXX. I asked how much interest wed earned since the beginning of the term for the XXXX in XX/XX/2020. She said she couldnt tell me that. She only had last years interest. I thanked her and ended the call. | ||||||
| 07/08/2021 | Yes |
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| XX/XX/2021, I used my relicard issued by USBank to pay my rent, cell phone and internet. Then tried to purchase something over the phone and the merchant said my card was denied had her run it again, still denied, which is embarrassing to begin with, check my account on app and everything looks fine, nothing wrong nor stating anything out of the ordinary. So went to ATM to get money to put on another card and to call back merchant so I can pay them what I had ordered, ATM denied me from MY funds, call the 24 number wait on hold for 37min. Girl that answered tells me I have to wait 24hrs until I can get money or charge anything, I complain and she says well if you go to a USBank branch and go have a teller get your funds it will work, drove 19 miles and waited in line another 20 min then had to give teller all my information so I could be entered into there computer system for that branch, try to get money and DENIED again, teller says go out and try the USBank ATM, denied ... .I 've been upset about this all night and sick to my stomach about it, wake up this morning and try charging something, denied. Call the customer service number that states they are there fir you 24/7 get to hold for next representative and recording comes on -all customer service representatives are currently busy please call back later-then click, hung up on now! This institution has refused me my money, cost me money and time and took time off my life with all the stress and time spent just trying to get something that is mine. I can not believe that thus is not a crime somehow ... .I have seen people go to jail for doing alot less to another human being. I doubt anything will be done and more then likely I will have regained my account from these criminals by the time you read this but this is the things that these banks should not have the right to be able to do. But they will because nobody ever does anything to them, I will not get any gas money nor reimbursed for my time or stress or humility I went through, nope they got what they wanted to do to the little consumer I am. Maybe one day we will win and this ignorance and power playing will stop but I'm not holing my breath. USBank I believe owes me money and a apology ... .good luck I say to myself, like I said it won't happen. I'm just wasting my time like I did half the day yesterday. Hopefully you have a great day and you don't have to ever experience this. Its just like someone just stole or better yet robbed you and you can't even go to the police about it. Its just so wrong. | ||||||
| 03/12/2021 | Yes |
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| I've tried reporting this issue to US Bank 's Fraud Liaison Department but no one would forward my call to a higher authority - I've even reported this to the CFPB & have had e-mails bounce back from the US Banks 's support e-mail address. I need a supervisor to contact me regarding reporting fraudulent activity internally at US Bank ( recipient bank, XXXX XXXX XXXX account holder ) as soon as possible. I am a customer of XXXX XXXX with fraudulent activity to report to US Bank which is shown below yet US Bank is not taking this information seriously to report to their executives. I've reported this money wiring/job scam to the local authorities ( XXXX Police Department ), FTC, FBI ( IC3 ), XXXX Police, XXXX XXXX XXXX Police, XXXX XXXX, XXXX, as well as attempting to contact US Bank to have this issue reported internally but no one would take down my information or have my calls transferred to speak to higher personnel at US Bank at all ; I've also tried contacting the Fraud Liaison Department as well at XXXX. Below is a fraudulent account holder at US Bank that has scammed me out of {$2600.00} in which my bank has tried to issue a SWIFT recall to US Bank - no refund has been issued. Fraudulent US Bank account holder, XXXX XXXX XXXX, is posing to work for XXXX XXXX to issue out a Traveler 's Insurance Policy to the XXXX under XXXX XXXX XXXX XXXX XXXX, along with a MrXXXX XXXX XXXX at XXXX. Please see below. XXXX Attachments Wed, XX/XX/2020, XXXX XXXX to me Attention, Based on the urgency of your Application and to serve our customers betters and avoid delays in providing fast track services to our customers, we have mandated you to make Payment via our Agents in region USA so Certificate can be issued on confirmation of payment within 24hrs from Date of payment Premium for Plan B is XXXX XXXX pounds sterling equivalent exchange rate of {$2600.00} USA Dollars. Kindly note Payment for any Premium Plan must be paid in full to enable swift issuance of Certificate Contact your Financial Banking Institution in your region USA and notify your Bank to make Bank Transfer Payment payable to our Agent in region USA via Account Details Below : Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Name : US BANK Bank Address : XXXX XXXX XXXX XXXX OREGON XXXX USA Beneficiary Address : XXXX XXXX XXXX XXXX XXXX OREGON XXXX USA Kindly send us the transfer payment receipt once funds have been deposited to enable us issue your certificate swiftly Yours truly, Mrs XXXX XXXX, Account Manager XXXX XXXX | ||||||
| 01/07/2020 | Yes |
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| US Bank has not assisted me with an invalid charge on my credit card. I initiated an online order with XXXX XXXX on XXXX. XXXX XXXX never delivered the furniture to me as promised. On XX/XX/XXXX I was told the furniture was on back order by one customer service representative but later receivednumeroustext that my order was on it's way on different dates by XXXX XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 30 minutes away. 2 hours later I receiveda text from XXXX XXXX that stated my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receivedan email from XXXX XXXX that stated the order I placed would be delivered. *On XXXX XXXX I receivedan email from " XXXX XXXX Delivery '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 20 minutes away. No one showed up in 30 minutes. Two guys showed up hours later with damaged furniture that I refused delivery on. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XXXX XXXX.The last text that I receivedfrom XXXX XXXX was on XXXX first stating that my delivery was 15 minutes away. No one ever showed up. Throughout all of this I never spoke with a customer service rep again after XXXX as I was no longer interested in doing business with XXXX XXXX. I contacted US Bank in XXXX to dispute the {$960.00} total that XXXX XXXX had placed on my account. XXXX XXXX then dropped {$400.00} some odd dollars from the pending charge and charged the difference to my credit card. Later I noticed the {$400.00} dollar show back up. I have attempted to resolve this issue with US Bank but US Bank ( my credit card company ) says that I have received goods from XXXX XXXX via mail communication. My credit card company did not provide me with any proof of delivery. I never received anything on this order from XXXX XXXX. | ||||||
| 08/14/2015 | Yes |
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| Since I first filed case numbers [ Case number : XXXX ] and [ Case number : XXXX ] my checking accounts ending XXXX and XXXX were closed. Also I was reported to XXXX which prevents me from opening another checking or saving account. In addition I 'm receiving collection calls and letters. The collection letters state I owe {$700.00}. US BANK stated I owed {$300.00} in its response letters for [ Case number : XXXX ] and [ Case number : XXXX ]. We definitely have other issues we must address. One very serious issue is after I filed the complaint US BANK closed both my checking accounts ending XXXX and XXXX. Second issue is I began receiving daily collection calls from XXXX. on behalf of US BANK? On or around XXXX XXXX. 2015 I received XXXX collection letters from XXXX First collection letter says balance due ( {$470.00} ) for US Checking Account ending in XXXX. XXXX collection letter says balance due ( {$300.00} ) for US Checking Account ending in XXXX. Also I was reported to XXXX? I sacrifice {$800.00} in payments to prevent US BANK from closing my checking accounts, reporting my accounts to XXXX and collection agency. US BANK overdrew both checking accounts by taking payments from my account? Yes I did agree payback overdraft fees thru US BANK payment plan but I did not agree to US BANK automatic withdrawals if the payment is not made on the XXXX of each month? US BANK only inform me to make payment on the XXXX of each month. No one from US BANK stated if I did not make payment on the XXXX of each month that US BANK would go into my checking accounts withdraw funds and overdraw my accounts? My accounts were overdrawn by US BANK due to not enough funds. US BANK said I owed approximately {$1100.00} in overdraft fees. I paid {$800.00}. US BANK received more than half of what I owed in overdrafts fees. This is very unfair to me as a customer. I doing my best to make good on the arrangement I made. I work too hard to be treated so unfairly by US BANK. Banks should n't be able to charged overdraft fees when using a debit card. Example lets say the Electric company puts a charge through for {$100.00} using debit card and your balance is {$50.00} so the charged is denied but you are still charged {$36.00} overdraft fee? This is highway robbery. We work way too hard to be robbed like this by banks. I would like to open new checking accounts. I would like the {$300.00} debt now cancelled in full. I would like my name removed from the collection agency and XXXX. I would love some type of compensation for all this stress. | ||||||
| 01/19/2023 | Yes |
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| Dear CFPB, On XX/XX/2023 was completed as a regular monthly credit card payment of {$43.00} dollars as I am due to complete a payment on the XXXX of every month. I saw in my online app. that US Bank charged me a returned payment fee of {$41.00} as well as an interest fee charge of {$3.00}. Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to remove and reverse the returned payment fee {$43.00} and to remove and reverse interest charge fee of {$3.00}. These rate fees are also more than what they should be has this been a case of late payment processing. As the language states on my monthly bank statement under the important message section at the top stating that I have 24 to 30 day interest-free period for purchases provided. I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. The negative activity on the account ending in # XXXX has impacted and affected my credit history and credit score. To resolve this particular issue I am requesting a credit limit increase without a hard credit pull being ran. As for any fees I am filing a complaint for my account to be reviewed of the fees mentioned above returned payment fees and interest fees that are inappropriately applied to my account immediately and for my account to be updated as the resolution. Review and remove fees that were inappropriately applied to my account ending in # XXXX as well as submitting a physical paper copies via emailed to the listed email address of all that was corrected and updated. This would be my second complaint filed on US Bank regarding interest fees and returned payment fees. First complaint number # XXXX There is a unresolved problem, conflict with the online technologies with US Banking structure tat calls for a resolution especially for those of XXXX like myself and for those of mental XXXX to be able to work with and be connected as a Private Client on personal matters regarding their finances within the Communications Department that I have also requested as a resolution to speak with. Kindly submitted, | ||||||
| 06/13/2022 | Yes |
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| I received a " right to cure default letter '' on XXXX XXXX letter stated in part " if you pay {$110.00} by XX/XX/XXXX, you may continue with the Cardmember Agreement AS THOUGH YOU WERE NOT LATE. I paid {$300.00} on XX/XX/XXXX which is only 2 days after the notice and 19 days prior to the deadline. The Cardmemeber Agreement states in part " The first time your payment is late, a late payment fee of up {$30.00} WILL BE ASSESSED. If another payment is late during the next 6 billing cycles, a late payment fee up to {$41.00} WILL BE ASSESSED. '' So per the " RIGHT TO CURE DEFAULT '' which incorporates the " Cardmember Agreement '' by reference then there should be no late fee, nor any action resulting from the late payment. The reporting requirements are also included in the agreements that I signed which discuss the procedure for reporting late payments. I will save that portion for the court because the bank has these documents and they know exactly what they contain. These are the words of US BANK themselves. They have now been put on notice via these previous complaints. All correspondence from the bank will be used in small claims court or federal court. If the bank chooses to change venues then requested relief and damages will be increased to the maximum possible penalty to account for time, and other factors. You can use diversion and deflection tactics but a contract is a contract. I'm an ordinary man but I'm determined and I've successfully fought cases in state and federal court. I am really not the person who will go away. I am also mailing a goodwill letter with an alternative demand letter in case the goodwill letter is not honored. I have included medical documents showing that I was injured on the job and unable to work from XX/XX/XXXX through XX/XX/XXXX. XXXX compensation insurance did not pay me for 3 months. And it was a partial payment. My life was literally in shambles and US Bank is exerting all of their might to either ignore my grievance or refuse relief. If a man is drowning then you have to excuse him for not remembering to call in to tell his boss that he won't make it to work. I am divulging all of this information because I am merely preserving the record. It boggles my mind how a company can be so persistent to deny people their rights. Even when those rights were extended directly by the company themselves. I will sue, and I will win. This all so unnecessary as the remedy I am asking for is completely reasonable. Any alternative interpretation of the law will be decided by a judge. | ||||||
| 05/19/2019 | Yes |
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| XX/XX/2019 - It was reported that US Bank requested a copy of my credit report from XXXX, which I did NOT authorize. XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of US Bank if I deemed this to be in error. The telephone # provided for US Bank was a recording regarding mortgages, after which the call disconnected me. I then called US Bank 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the US Bank agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact XXXX. XX/XX/2019 - I attempted to resolve this online with XXXX however, was instructed to call the agency as the issue couldn't be taken care online. The XXXX agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact US Bank. I again called US Bank, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. XX/XX/2019 - UNBELIEVABLE! I receive a letter from US Bank ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/19 ... ... - Copy of my consumer report showing the inquiry - US Bank made the inquiry, UNAUTHORIZED, US Bank should have the documentation. - An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several US Bank agents on XX/XX/XXXX. XX/XX/2019 - I am thoroughly disgusted with the manner in which US Bank and XXXX have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time. | ||||||
| 07/15/2022 | Yes |
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| USBANK Online mortgage application - Loan # XXXX. We completed all application requirements for a XXXX conventional mortgage with 20 % down for a second home in XXXX XXXX TX XXXX On the day of close, we were told that underwriting arbitrarily reclassified the loan as an investment property and that our funding, which was previously approved, was now disqualified. The decision was based on the buyer 's explanation section of the application in which we stated that our son would be living there while attending college. Under XXXX XXXX guidelines, a house may be classified as a second home as long as the owner maintains control of the home and lives on the property at least 15 days a year. I have reaffirmed multiple times to the lending team that the property will not be an investment property, will not collect rent and will not leave my control or go under any type of 3rd party management. USBank underwriting refuses to allow us to amend the omission on the buyers statement to include the language that we will live there at least 15 days a year. USBank is now suggesting that we add my XXXX XXXX XXXX son as the borrower and classify the house as a primary residence to bypass the gift fund restrictions on second homes and investment properties. Essentially, we are being asked by USBank to commit mortgage fraud and falsify loan documents to appease a single underwriter. We have been upfront and transparent regarding intended use of the home, source of funds, and all other qualifying factors for this loan. Not once during the 33 day loan process from application until the day of close were we told by anyone at USBank that the entire loan would depend on a single sentence in the buyer 's use statement. We meet all XXXX, XXXX, and Credit and Income requirements for a XXXX conventional note and USBank is using dishonest and discriminatory lending practices to disqualify us from this loan on the day of closing. US Bank has been negligent in their own due diligence and committed gross acts of omission throughout the course of this loan. Furthermore, USBank underwriting is actively encouraging the falsification of mortgage documents in contravention of federal guidelines for mortgage lending. USBank has also allowed forms to be corrected and resubmitted in their favor but refuses to grant us the same opportunity due to a mistake on a single form. Due to USBank 's malfeasance we were forced to go outside of the contract option period and will now lose our earnest money as well as our time and damage to our reputations. | ||||||
| 07/25/2020 | Yes |
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| At approximately the beginning of XXXX, I reached out to US Bank to refinance my home mortgage. Because the interest rates had dropped, I thought that this would be a good time and I could lock in a 20 year loan for the same amount as my 30 year loan. I began the process with them immediately. By XX/XX/XXXX, I'd received some follow up communication, which implied the appraisal had come through. I sent them an email on XX/XX/XXXX because I wanted to see the appraisal. On XX/XX/XXXX, I received an email that I could view the appraisal, which I did. On XXXX, I sent an email asking if their refinance would be processed in enough time for me to keep the rate they had locked me in at when I applied. On XXXX, they told me my loan was still with underwriting in the initial review. On XX/XX/XXXX, I was asked for additional information, which prompted me to send two emails and to make a phone call. I finally spoke to my loan officer and asked about an amount of money they were wanting statements for, why I couldn't get ahold of anyone, and what was going on with my HOA ( my HOA requires a fee for a refinance which the loan officer was not aware of and even argued that it wasn't normal for them to do that, but I've refinanced on this home before so I am 100 % certain it's required ). The loan officer FINALLY increased the loan amount on XX/XX/XXXX ( had asked her on XXXX ) so I wouldn't have to pay cash at closing. On XXXX, I was told they had emailed my insurance company to switch the information over to US Bank. The processor implied that my insurance company was making them wait. I've worked with the insurance company for over seven years and they are extremely efficient so I knew it wasn't them holding this process up! On XX/XX/XXXX, I emailed the loan officer asking if this refinance is going to be finished before my XXXX mortgage payment is due. That we are now on THREE months for a refinance. THREE MONTHS! I have bought 4 homes and refinanced this one before so a total of 5 closing experiences not counting this one. In all of those times, not once did the process take over a month. I honestly want out of the refinance at this point but they've already charged me their fee and with their lackadaisical approach, I'm sure there are papers floating around everywhere half finished. If it takes 3 months to do the paperwork, I have no doubts that something will be wrong. The processor already spelled my name wrong and I had to correct her on that. That is literally her only job. I have been a loan processor before. | ||||||
| 04/17/2019 | Yes |
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| I am having problems ( like always I had ) with US Bank employees unprofessional behavior. 1 ) They continuously harass me with letters threatening with " counseling, short sale, remediation and foreclosing ", however I am on time with all my payments and never missed a mortgage payment. 2 ) I sent to them a letter with a {$15000.00} check that they were suppose to endorse and send it back to me. It was from the insurance company claim that I filled after the hurricane. The employees at US Bank hang up on me several times while talking on the phone and don't answer the questions I am asking them. They are holding into my check which won't be valid after XX/XX/2019. It is a check they have to endorse and mail it back to me as it is made out to myself and to USBank. 3 ) The woman at the " loss department '' I spoke to ( four times ) recently was trying to force me to " open an account with USBank in order to process the check ''. It was a condition to have the check processed. 4 ) When I asked to speak to a supervisor they transferred to a " supervisor " who informed me that " the loss department is a third party contracted by Usbank '' which isn't the truth.Other customer service person informed " there is no loss department at USBank ''. It seems like when a customer calls we are dealing a bunch of fools who only give wrong information and don't know what they are doing. 5 ) This past month of XX/XX/2019 the mortgage department failed to communicate with me about the new amount of my mortgage plus escrow account in order to pay for homeowners insurance. When I called asking for the payment amount for XXXX ( I had bought another homeowners insurance much less expensive than the previous one and they never communicated with me about the new escrow amount like they were suppose to ), the woman in the mortgage department added more than {$400.00} ( besides my mortgage payment ) that and she said it was " suppose to be paid because the escrow account had a low balance '' ). When I confronted her about not sending any notice in advance for such a high amount, she got very angry and hung up the phone call. As a result of their lack of planning, lack of training and lack of professionalism, they continuously cause me unnecessary trouble. I am not obligated to open an account with this bank which is the worse I ever had to deal with, nor interested in having another account opened with this unprofessional bank. And can't wait to finishing paying my mortgage in order not to have to contact with them ever again. | ||||||
| 10/24/2016 | Yes |
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| Since XXXX, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all XXXX of my credit bureau reports-XXXX, and XXXX. I first disputed this issue with US Bank directly before submitting my online disputes with the XXXX, and XXXX I spent approximately {$40.00} in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of {$2000.00} with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports. I have exhausted my efforts with disputing this directly with the creditor, and the credit reporting agencies. It keeps coming back as verified. This is unacceptable and I would highly appreciate it, if US Bank would remove their credit card account off of my reports immediately. This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of {$2400.00}. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority. | ||||||
| 02/22/2022 | Yes |
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| I moved from California to New York in XXXX of XXXX. I took my XXXX XXXX Model Y financed by US Bank with me and am required to transfer the registration to New York. I have been working with US bank to get the required documents to register the Vehicle in New York since XXXX of XXXX and US Bank has repeatedly delivered the wrong documents, misled me about what is needed and how to get it, and just completely failed to resolve this issue and allow me to register the car for over 6 months at this point. This has put increased liability on me due to failure to adhere to the registration deadlines set by New York, opening me up for fines and tickets and having to carry multiple insurance polices due to this car only being registered in California putting me at risk for increased liability damages due to inconsistent coverage between the policies in the event something happens. This is besides the fact that carrying XXXX separate policies is ( XXXX in a high risk area of California ) is very expensive. On XX/XX/XXXX my California registration will expire and the vehicle will no longer be driveable due to XXXX Banks continued negligence in correcting this issue. At that point my options will be to park the car or pay irrecoverable fees to register the car in a state in which I don't live ( which I'm not sure but that almost sounds like fraud to me since I'd be saying the car will be primarily driven in California which it will not ). I have attached a timeline of interactions with US Bank, written requests for the documents sent to US Bank, and US Bank 's incorrect registration documents that have been sent to me twice rather than providing the correct documentation. Unfortunately this is the second time this complaint is being submitted. The first time it was submitted by my husband on behalf of me but rather than actually do something about it US Bank decided to ignore the complaint and close it because " they are not authorized to communicate with my husband ''. In the complaint it is clear my husband is listed as an additional contact and not the primary complainant so they could have just have easily reached out to me to resolve this but chose not to. Additionally I have repeatedly requested my husband be authorized access to this account on my behalf so that he may deal with any issues associated with it simply because I don't want to. This complaint is being submitted again without my husband 's information on it so that they might actually bother to look at it rather than sweeping it under the rug. | ||||||
| 02/19/2016 | Yes |
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| I paid off a small XXXX mortgage with US Bank on XXXX XXXX, XXXX. I started calling two weeks later asking about the release of lien. I 've been given the run around since. They made excuses about delays because of the holidays. Then they admitted that they had n't filed the paperwork and would do so immediately. This was in XX/XX/XXXX. I followed up in XX/XX/XXXX. At this time, they used the holidays again as an excuse for the delay. Then they said that they had filed the paperwork with my local county clerk. I called the clerk and they had never received any paperwork. Back to the bank. Then the bank said that they could n't resend the paperwork and if it got lost in the mail or lost at the clerk 's office it was n't there fault and there was nothing they could do. They refused to email or fax the paperwork. This was coming from a mortgage supervisor. When I asked for her name, she hung up on me. I then reached out to an upper management officer, in a different department, and she tried to help and gave me another phone number to contact. More time passed. She got a number for me and when I called they admitted that the paperwork had never been filed but would n't tell me why. They promised to overnight it. This was on XXXX/XXXX/XXXX. They did not overnight it. I kept contacting the clerks office, nothing. I contacted a lawyer on XXXX/XXXX/XXXX and he was going to write a letter to the bank. I confirmed one last time with the clerks office and they had received the paperwork on XX/XX/XXXX and they had processed the release. As of XXXX/XXXX/XXXX, I still have n't received any paperwork showing that the lien has been released. I 'm trying to sell my home and buy another. When my credit was ran on XXXX/XXXX/XXXX, the mortgage balance was still there, even though US Bank has had my money since the beginning of XXXX, XXXX. Even without releasing the lien, they had their money and should have reported it to the credit bureaus. On the same day I paid off US Bank, I paid off a loan at XXXX XXXX XXXX XXXX XXXX, which is now under XXXX XXXX XXXX. When my credit was ran on XXXX/XXXX/XXXX, guess what, that loan is showing on my credit too. All of a sudden, I have too much debt and guess who has a higher interest rate on their new loan. I 'm totally frustrated. I 've been lied to, hung up on, treated with total disrespect and I 'm still paying for their inability to properly do their jobs by having a higher interest rate on my new loan. US Bank even had the nerve to offer to help with a new loan. Do n't think so. | ||||||
| 07/26/2022 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. XXXX Bank XXXX Mortgage XXXX XXXX XXXX XXXX, MN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, OR XXXX. Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( US Bank Home Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. I have owned the subject property since XXXX. Although US Bank Home Mortgage is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. Therefore, because US Bank Home Mortgage has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite US Bank Home Mortgage previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? Although there is no pending sale date, is US Bank Home Mortgage intentionally declining to review my subsequent packet? For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to US Bank Home Mortgage. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. Sincerely, XXXX XXXX XXXX | ||||||
| 12/18/2021 | Yes |
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| It is the third time I am submitting the complaint since this is the only way I can get some responses related to the issue itself though the problem has never been fixed. Don't ask me to call your stupid customer service. In the past more than one year, it has never worked even tiny little bit. The first time I submitted the complaint in XXXX and the case number is XXXX. And then I am not satisfied about what you have replied, so I filed another complaint in XXXX, case number XXXX. Then another three months passed, it still doesn't work at all. I'am tired to repeat what happened over and over again ... .I know you can find these cases so you can refer what happened and what request I have. Here is the last response from your side. As stated in our enclosed letter dated XX/XX/XXXX, we placed a hold on your account and online user ID due to irregular transaction attempts observed by our bank on XX/XX/XXXX. Our prior response also explained the remaining funds from account ending in XXXX, totaling {$2000.00}, were placed into a general ledger account held within the bank, as the funds will be returned to the originator. We suggested that your friend contact their payroll department, who can work with their financial institution, and request that they send us the appropriate documentation. As a courtesy to you, a request to return funds has been sent to XXXX XXXX XXXX, on XX/XX/XXXX, on yours, and your friends behalf. Once we receive a response back from XXXX XXXX XXXX, we may return the funds to them. Please understand this is a bank to bank process which often can take several months to complete. Being a bank to bank process, the details and status of this process can only be discussed with the originating banks. I think the situation is pretty clear and I don't understand why your side made it such complicated. I provided all evidences to support everything I said is true and you should simply return my money to me. Even if as you said you will return it to originator, why to me it will take like a century long? Tell me where the money is, and does XXXX replied you, if not, how long it will take for them to replied you, three months is several months, and three hundred months are also several months. You say " we may return the funds to them '', which means if they don't reply, you will hold it forever and never give me back? I am your customer, don't treat me like I am a thief. It's already beyond my tolerance. I can wait but I want to emphasize I need the problem completely fixed ASAP. | ||||||
| 03/16/2016 | Yes |
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| When using a Bank XXXX Texas XXXX credit card, I have had several fraudulent or unauthorized charges on it and have repeatedly contacted XXXX by phone, written correspondence and fax. I have told them specifically what charges are not mine. They have repeatedly asked for the same information already provided. The last phone contact was with them 2 weeks ago at XXXX XXXX XXXX XXXX option # XXXX when speaking with the " manager '' who said it would get it straightened out. Nothing has happened. I have alerts on my account for when charges are made and credits back to it. I have only gotten alerts for additional unauthorized charges. I stopped using the card since I had pain in full the charges I made. I have not received any credits to the card alerts. Please make them do what they are supposed to. Thank you. In addition to some of the e-mails sent back and forth, I have signed and returned by mail and fax, all the documents they sent me to get this done. They keep saying they did n't get them, etc. when I faxed them and have spoken on the phone to them about them. On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : The following charges do n't belong to me XXXX {$17.00} XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$5.00}. XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX {$27.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1.00} XXXX XXXX Please credit these unauthorized charges. On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : XXXX XXXX XXXX for {$38.00} - XXXX charges should be credited. XXXX XXXX Storage- $ XXXX charged. Already paid XXXX. Sent this info. to you before. Thanks. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX at XXXX the following message was sent : This transaction is not an authorized transaction. Please credit this charge. Thank you. XXXX/XXXX/XXXX AUTH : XXXX *XXXX {$17.00} On XXXX/XXXX/XXXX at XXXX XXXX the following message was sent : I thought you said you already stopped this unauthorized charge. It looks like you have n't done anything on the unauthorized charges with the information and completed form I sent you weeks ago. Please note I will not be paying any more credit card bills in full and waiting for you to do your job of removing the unauthorized charges. And, I have stopped using this card and wo n't resume unless and until you have corrected the balance. If I need to contact Bank XXXX Texas to get you to do your job, I will. As I have repeatedly told you, if you need more information call me. XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX CA {$17.00} | ||||||
| 06/05/2023 | Yes |
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| XX/XX/XXXX - Opened an account with US Bank in response to an online promotion for {$500.00} on bonus cash if you opened a new checking account and completed {$6000.00} in direct deposits within 90 days. The representative confirmed - twice - that this promotion was applied to this account. XX/XX/XXXX - The third direct deposit was made, which now totalled to over {$7500.00} in direct deposits into the account, meeting the requirement. On or around XX/XX/XXXX - I contacted US bank to request information on the {$500.00} bonus, as it had been over a month. They confirmed the promotion was on my account, but stated it would be a month from the end of the promotional period, and thus would come in around XX/XX/XXXX. XX/XX/XXXX - It did not come in, and I contacted US bank to get information about the {$500.00}. An appeal was filed. XX/XX/XXXX - I received a callback, and we shared some additional information, and put in the appeal again. This I have received no callback on. XX/XX/XXXX - I contacted US Bank, and spoke with a woman named XXXX ( sp? ) who apparently didn't think I existed. I told her I needed the status on the appeal with a date of deposit or I would like to cancel my accounts. Despite giving all the information requested, she could not verify my account, gave some platitudes and notions regarding the promotion. When I then asked to cancel, she pleaded connection issues that she could not hear me. I wound up hanging up. XX/XX/XXXX - I called in and spoke with a woman named XXXX. I told her I wanted to either get the status on the appeal or close all accounts. She stated the appeal still appeared open, but would have to transfer me to XXXX banking for more information. She gave me a phone number ( XXXX ) in the event the transfer failed. The transfer did, in fact, fail - she hung up on me. When I called the number, it was mobile app and online technical support, not XXXX banking. XX/XX/XXXX - I found, via online search, the XXXX banking number ( XXXX ), and contacted that number. I again spoke with a banking representative and told her the same thing - either I need the date the money will be deposited, or I would like to close all accounts. She said she would research it and put me on hold for an extended period of time and then hung up on me. There appears to be a pattern that if you intend to close an account, they will use any attempt to get you off the phone to prevent you from doing so. This is after - via negligence or malice- repeatedly failing to honor their promotion. | ||||||
| 12/06/2023 | Yes |
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| In XXXX of this year I filed a dispute with Us bank relia card. On US banks behalf they disputed the wrong transactions and they were in fault for disputing my 2 water bills one for XXXX dollars the other for XXXX. They pulled the phone call to see I in fact stated DO NOT dispute those water bills from XXXX XXXX XXXX XXXX XXXX XXXX! They did anyway. On XXXX XXXX a provisional credit was given to me for XXXX dollars ( the two water bills that werent supposed to be disputed in the first place ) And on XX/XX/2023 they took that money back from the water co. {$100.00} total. Then on the XXXX of XXXX they canceled the dispute because they were the ones responsible for the mix up in the first place. Not only did I repay the water company but I paid 2 fees of {$25.00} dollars for both returned payment fees and XXXX for a reconnect fee because of US banks negligence my water was turned off. Moving forward, on the XXXX of XXXX that {$100.00} dollars they already took back from the water company, they reversed the credit on my account. Let me rewind and tell you how many calls I have made because of someone elses mess up. Over 50 calls in the last month to them and they all have a different story. I have talked to upwards of 30 supervisors and noone can give me a tracking number or any kind of transaction number to where this money was supposedly issued back to the water company. So on XX/XX/XXXX the credit was taken back and was found to be no error. On XXXX the XXXX I had a deposit from the XXXX XXXX for {$120.00} and they took {$100.00} out of my account. At that point we should have been even. XXXX dollar balance. But instead took the provisional credit back and took that money from the water company and I am the one who originally paid it. That is my money they took. The water companys biling department for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, KY. XXXX Has NO proof this money has made it back to them. Ive talked to every department even accounting and they dont have it. But the money has not returned and like the water company said. '' Once they accept a fraud dispute from the bank that money doesnt go back to the bank and then back to them. '' Its a one step process. Us bank owes me that {$100.00}. Dollars. Asked them to find a tracking or transaction ID number for the money that was sent back. They don't see that. Any money that goes in or out has some kind of papertrail. I want my money they owe me! I cant get anything done but going in a circle because of there negligence. Thank you. XXXX XXXX | ||||||
| 09/20/2019 | Yes |
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| I opened a credit card with my bank in XXXX. The card was apparently provides by a company called elan financial. I paid off and closed the account in XXXX. In XXXX I tried to prequalifybfor a mortgage and was informed that the account was showing on my credit report as open, delinquent, and over limit. I tried on several occasions to contact elan financial, and left numerous messages, but my calls were never returned. On the rare occasion that I actually spoke to a human I was told that my account was in collections, and they were not authorized to discuss it with me, at which point they would transfer me to some other department who never answered their phone, nor returned my calls. I disputed this with all of the credit reporting agencies, who simply replied that it was " verified ''. So I filed a complaint with the CFPB. The credit card company finally responded to that complaint, claiming they reviewed their records, and had no record of phone calls or messages from me. They also alleged that they tried to call me on XX/XX/XXXX & XXXX, and left me messages. I received no phone calls from them at all, on those days or any other, and have received no messages. I am happy to provide my call logs to show this. It is possible that they have incorrect contact information for me, though my phone number has been the same for over a decade, and since well before this card was closed. I think it more likely that they are flat out lying to avoid admitting that they are trying to take me across. ( My phone number was included in my complaint to the CFPB, so they should have had it. ) When I received their response, I AGAIN called and left a message, again receiving no response whatsoever. They did provide some limited documentation in their response, among which was documents showing that the outstanding principle was {$490.00} as the last payment that they have record of. They further state that in XXXX of XXXX the charged off the debt with a balance of {$630.00}, and sent a 1099-c in accordance with IRS regulations requiring said form to be sent with any cancellation of a principle amount greater than {$600.00}. However, by their own records, the principle amount was less than {$600.00}, {$490.00} to be exact. I would sincerely like to be contacted to resolve this in a mutually beneficial manner. It is also of note that my credit report still shows a charged off amount of {$930.00} dollars, which no one has yet to offer any explanation for, despite numerous disputes with each of the reporting agencies. | ||||||
| 05/05/2016 | Yes |
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| I submitted a complaint last month about the notice I received from US Bank that after a " periodic review '' the Bank decided to close my {$500.00} Reserve Line. I disputed this closure on XX/XX/XXXX due to questionable timing of the closure and discrimination against my sudden ability to repay and avoid finance charges. The CFPB response to my complaint from US Bank was a generalized re-statement of their initial letter that I am disputing, but never addressed my actual concern. US Bank claimed they " periodically review '' credit lines and determined I was no longer eligible for my Reserve Line. I fully understand credit scores are not the only determining factor in creditworthiness. From XX/XX/XXXX-XX/XX/XXXX I had this Reserve Line & actively used it. During this time, I had a low credit score, high revolving credit lines that were being charged off, I was a student with no income, and no ability to repay. During this entire time I was accruing finance charges on this Reserve Line and rarely able to make a small payment. If US Bank periodically reviews eligibility, why was this credit line allowed to remain open for those five years opposed to today? Currently, my credit score has increased over XXXX points, I 've graduated from school, I have a job with the ability to repay, and low credit balances. The account closure notice came a month after I made my first large payment to this account in XX/XX/XXXX and have finally been making large dents in this debt in order to increase my creditworthiness and lower my debt-to-available credit ratio. Because I have suddenly been able to repay the credit extended to me and no longer susceptible to the finance charges, I am being punished and discriminated against with this account closure. Why can US Bank suddenly close a credit line the same month I start repaying it, even when I have a more positive credit worthiness than before when I was being charged abusive fees? How often does US Bank do these " periodic reviews '' if I was still able to use the Reserve Line and be charged fees from XX/XX/XXXX-XX/XX/XXXX? How is this recent periodic review a valid determination of my ability to repay, when prior reviews still allowed the account to remain in use. Why am I being punished now when I 'm finally recovering my financial situation? The expectation had been set that I was a trusted borrower despite my previous struggles, but none of these previous questions are being answered by US Bank to explain why this account is being coincidentally closed now. | ||||||
| 09/04/2015 | Yes |
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| A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit | ||||||
| 08/10/2023 | Yes |
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| I have a mortgage thru US Bank. Received a letter that a loss mitigation app had been approved XX/XX/XXXX. They would send options and if I did not reply then they would assume no longer needed. Made no such app. Then received a letter saying I was approved for a 3 month plan of XXXX to begin in XXXX. A plan that I never applied for or approved. So I called again and they said they could not remove it but payments would be changed back to XXXX and file would be notated that I rejected the offer. I was worried this would affect my credit which would affect my job but I was to do my own error resolution apparently. He said if I made another payment in XXXX I would be caught up. Close to XXXX in one month. Was talked down to, nothing was researched except looking at their screen repeating well your XXXX pmt was deleted on our end you are 39 days late and I was due for XXXX. I said no I was told if I made 2 payments in XXXX I would be caught up next payment would be due XXXX. I have to do my own error resolution while working doubles with no days off. I will upload everything I have to show I am and have been current. When they set the plan up they set it to start in XXXX but letter received shows XXXX was to be start date. My whole XXXX pmt went into a suspense account. So now I am 40 days behind for XXXX payment. Ive tried calling 3 times but they talk down to me and dont even attempt to research. This all stems from an escrow shortage when there was not one. I listed the property last year. Listing ended in XXXX. XXXX went to closing with XXXX, received closing disclosure 30 minutes before closing. An hour after closing they send a corrected one to be signed due to a {$3.00} recording fee they forgot. I reviewed the doc and net to seller went down by $ XXXX. So I cancelled the closing. And have not tried to sell since then. I received a notice yesterday saying taxes have not been paid. But taxes and insurance are escrowed. I reviewed recent escrow statement and it shows that taxes and insurance payments have not increased but yet Im short {$1100.00} yet nothing had increased when payments had already gone up {$100.00} this year from XXXX to XXXX due to shortage. All of a sudden I receive a payoff statement XXXX of this year that taxes will be held in escrow until closing. Received no such notice when I was actually going to sell it last year. This seems to be their way of making me pay penalties for late taxes they did not pay but paid last year. So now I am behind on payments and taxes. | ||||||
| 04/17/2023 | Yes |
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| XXXX Bank issued mortgage including establishing an escrow account to pay California property taxes -In California, the first year of property tax has a a primary tax bill at a lower rate, stemming from the previous valuation of the property, which is typically substantially below market value. There is then a supplemental bill issued in the same year that covers the taxes due on the difference between the the previous assessment and the new assessment ( sale price ). For homes like ours, where a sale has not occurred in a long time, this supplemental bill is the bulk of the tax owed, and financial institutions are prepared for it. -US Bank correctly calculated the expected tax bill for the sale price, which covers the supplemental bill for the difference -US bank issued an initial Escrow account disclosure statement, showing the dates the payments would be made and the estimated amounts - these estimated amounts included the full tax due ( the initial tax payment and the supplemental payment ) -We funded and paid into the escrow account and kept it at the correct balance, which was set by US bank to be sufficient to cover the primary and supplemental tax owed. -When the payments were due to the county for property tax, US bank did not pay the full amount, only the small initial amount ( not the supplemental amount ). This amounts to a payment of {$1700.00}, instead of the {$7100.00} the bank stated it would pay in the disclosure statement. The bank also did not inform us that it underpaid. This resulted in an overdue balance of {$5500.00}, for which a delinquent bill was issued with a {$510.00} late fee. -The bank was informed by us of this error. They acknowledged the discrepancy and promptly paid the county the delinquent amount owed. -The loan agent asked for the bank {$510.00} to be reimbursed to us, and stated she felt that was fair, but the bank ultimately decided not to. Instead, they cited a letter sent to us in the past indicating that they could not pay the bill unless we took certain steps. We had not received this letter at any point. -My opinion is that the bank committed to paying the bill from our escrow, stated they would do so in the disclosure, and then failed to do so, leaving us with a penalty. The fact that they sent one letter in the mail, which we did not receive, is insufficient to overturn the original indication they gave. It is fairly common for mail to not get delivered. There was no other follow-up with us. -We seek that the bank reimburse the {$510.00} fee | ||||||
| 10/07/2015 | Yes |
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| On XXXX XXXX, 2015 I was mistakenly charged {$1700.00} from vendor XXXX XXXX XXXX XXXX selling makeup. I bought XXXX lipsticks and facial cream which should have totaled {$60.00}. I did not catch this error for 2 weeks, Once I did, I called XXXX and was informed she did not have the Monies to refund me. I went into my bank ( US BANK XXXX and filed a complaint for fraud. they issued me a provisional credit on XXXX XXXX as XXXX XXXX was not responding to me or them. after 90 days I received a letter from US Bank resolutions dept that their investigation was completed and my credit was now permanent. Upon recieivng this information I thought all was done. Sadlly on XXXX they reveresed their decision and took the monies back stating XXXX XXXX had produced a signed receipt ( which I have never done ) I told the agent she swiped my card on a square card thru her phone and I never signed anything now was i given a receipt ( I know XXXX XXXX as a long time acquaintance and have bought from her in the past ) this reversal of monies overdrew my account and US bank charged me {$140.00} in fees. I was devasted that my bank could do this after giving me a letter telling me the fraudulent credit was permanent. I called US Bank and was told the reolution agent would call me on XXXX and they would aslo send me the receipt all of which I have not received nor has anyone ever called me. I have walked into the US Bank office on XXXX XXXX XXXX XXXX XXXX and spoke with the bank manangerXXXX and explained all to her. She was to investigate and offer me another credit. XXXX did pay me with a cashiers check of {$800.00} issued thru her XXXX XXXX XXXX XXXX account thus the new balance owing me is {$890.00}. I asked XXXX to dispute this new balance and get me a provisional credit. to date Nothing has been done. I was back in her office on Monday XXXX XXXX and she informend me she was still working on it. Yet no one has reacehd out or returned my calls or emails, I went online and emailed customer service thru my account and emailed XXXX XXXX XXXX as well again on XXXX. I am not getting Anywhere and feel cheated and stolen from. I will also be filing a complaint on XXXX XXXX XXXX by XXXX who operates out of her home. I now have to labor this with small claims court as well. How can my bank issue me a credit tell me its permanent and then take it back? I want this resolved and my {$140.00} in fees reversed as well as a permanent credit for the remaining disputed fraud charges to my checking account of {$890.00} balance | ||||||
| 01/06/2023 | Yes |
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| I am a consumer customer of US Bank XXXX XXXX XXXX XXXX US Bank has the highest interest bank affiliated credit cards. Consumers keep paying the cards interest as the bank sends out advertisements to trap the customers into using the cards to get money back as rewards without disclosing the trap of their high revolving interest rates. As an outstanding customer and a bank account owner I receive various advertisements for cash advance through the credit card line often. Us Bank sends out random checks to consumers enticing them to cash out advance checking loans. The advertisement says no interest for a year till XX/XX/ and they have different dates each time to allure the customers to quickly jump on the offer before it expires which is a scam to trap the consumers. What they dont say is the interest will be outrageous and immediate interest charges that are not disclosed as you start to use the money deposited in your account each time you take the money out there is a charge monthly. The checks dont have sufficient information on them because the push is No interest for a year. The cash advertisement is for {$15000.00} after the money was deposited into my account the representative made me to understand no charge will occur till XXXX XXXX when the interest starts. My loan was for homeI renovations my plan was to use the money accumulate a lump-sum amount of the {$15000.00} and pay it back before the interest accrued. I realised they are taking some charge every month and when I asked the representative they said there is a monthly charge and did not explain why that information was not in the advertisement flyer attached to the check that they are asking consumers to deposit the amount needed for cash advance. Needless to say there is hidden catch not disclosed to the consumers and now they claim I owe {$11000.00} which is more than I owe when I count the monthly payments they have taken from my account already + the amount already paid off the remaining amounXXXX tax free should be less than what they claim I owe. The representative that I have spoken were uninformed and rude to me when I demanded answers. I called several and one had an infant crying in the background and she rushed me off the phone because she needed to attend to the baby. The other one answered while driving she cleared said she cant view the screen. One XXXX told me off the charges but could not respond to why this information is not communicating to the consumers before they commit to this disastrous endeavor. | ||||||
| 12/28/2023 | Yes |
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| I had XXXX checking accounts with U.S. Bank, XXXX that was about a year or XXXX old, ending in XXXX and a newer one I made ending in XXXX. In XXXX of XXXX, I rightfully disputed a set of transactions with U.S. Bank for account ending in XXXX. Instead of adhering to the standard dispute procedure, on XX/XX/2023, U.S. Bank unreasonably and without any warning, froze my account access and later mailed me a letter saying that they are closing my account due to " suspected fraud '' and that if there are any funds remaining in the account after the completion of any pending processes, investigations, possible potential fees, etc. those funds will be mailed to me via a cashier 's check. This did in fact occur and I received that check in XXXX. My newer account however, ending in XXXX, remained open and functioning normal. There was never any mention in any of the letters or my conversations with U.S. Bank representatives that in fact they intended on barring me from being a U.S. Bank customer entirely for reasons they can not or will not disclose to me. Instead of being competent and thorough and closing my other account ending in XXXX as one would expect given the circumstance and corporate decision, that account remained open and active and even continued to be able to receive deposits that I regretfully continued to make. All of a sudden, over a month after the account ending in XXXX was shut down, the account ending in XXXX was shut down, leaving over {$900.00} in it. The first account was closed for nothing more than me apparently just losing the dispute that i filed and now this account, was simply only closed because the bank decided they didn't want to have me as a customer any more. I spoke with bank reps, over the phone and physically at my local branch, who told me to obviously expect this newer account to follow the same closure process and that I can expect a cashier 's check with the funds remaining in it to be mailed before the end of XXXX. I waited all the way until XXXX to begin inquiring on what the hold up was. I was able to find out that now that account only has a remaining balance of {$270.00}, even though the last time I had access to it it was over {$900.00}, and that those remaining {$270.00} will not be mailed to me. That the bank has simply decided to continue to holding on to those funds for no feasible reason, held XXXX in something they call a " GL '' account and in a brank that's in XXXX, even though all mty banking with them has always been in my home state of XXXX. | ||||||
| 06/14/2016 | Yes |
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| I began a mortgage process with U.S. Bank. A traditional 30 year-loan with an XXXX grant assistance for recent graduates to contribute 5 % of down payment. I worked with the mortgage loan originator, various management and was able to include underwriting in all email communications. My loan originator stretched numbers in order to overestimate my ability to buy, I once found this out while in contract. For the pre-qualify portion I gave all exact numbers to know my ability and my max was around XXXX for debt to liability according to the mortgage loan originator. Although later on I found out he incorrectly entered numbers causing myself to prematurely pay off a motorcycle loan in order to get the debt to equity ratio correct to afford a XXXX town home. The loan application was filled out completly wrong and had to send back multiple revisions for them to make in order it to be correct after having already provided supporting documents. Why they kept being entered wrong? I have no idea. This is important because if myself or another would not have reviewed the application properly I could be charged with mortgage fraud because of a non caring employee. Further more, they filled out a grant incorrectly having to resubmit it for approval. I have talked to them on the phone XXXX in total in a 45 day period. After asking for a two week extension. However, I will be missing the last closing date, due to the mistakes constantly being made my the mortgage staff and management. Due to constant errors on applications, grants, miscalculating numbers all while trying to cover up numbers and problems by providing broad overviews in emails. I am a XXXX XXXX and numbers are my life which is why I always review and request exact numbers. This is a threat to other consumers that could possible lead to unintentionally agreeing to an incorrect mortgage application leading to jail time, loss of money due to a non timely close because lack of attention to detail. Every time there was a request I was able to provide material back within 24 hours if not same day. Now my money is going to waste, Im missing out on a deal of XXXX below appraisal, when similar properties in the development are being bid up XXXX above ask, and I was able to obtain at ask and below market. All because XXXX XXXX XXXX XXXX XXXX at U.S. Bank in XXXX, OH does not answer calls, does not provide exact numbers, stretches numbers, files incorrect documents, and goes by his own time frame. Its not at his loss but mine and my investments. XXXX | ||||||
| 05/27/2022 | Yes |
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| I have had a credit card with the company Elan for approx 30 years. I pay the card balance in full prior to the due date every month and thus have never paid any interest. Every monthly statement always shows a previous balance of XXXX and no interest charges. Suddenly in XX/XX/XXXX, the ( online ) statement showed that I had a balance due ; and that there were interest charges. I reviewed older online statements going back a few months and saw that the online statements were showing interest and overdue balances. However, I have previously downloaded copies of the same statements that show no balance and no interest due. So somehow, Elan went back in time and CHANGED the statements. After several phone calls and a lot of time spent explaining this, a manager finally admitted that they had back charged me for interest because they received a payment XXXX day late during XX/XX/XXXX. I pay electronically so perhaps this was over weekend or something, but I paid from my bank on time. But at the time the payment was XXXX day late, they did not charge me interest and I never knew about it. I still have the relevant statements showing no balance due for the ensuing months. If I had known they wanted me to pay them something because of the payment being XXXX day late, I might have paid. But since they say I didn't, now they were trying to charge me for interest and fees accruing during the ensuing 3+ years. Finally the manager I spoke with said she would just waive all the interest and fees. Magically, the online statements were re-created again and now look like they originally did with no interest or fees. So I thought all was well, until... Today I went online to get my latest statement, and it correctly shows no prior balance. However, I see in another part of the website it says I owe what I calculate as an extra {$530.00}. I called repeatedly today about this, spoke to 3 or 4 people who were no help ; they just keep insisting the 'balance ' is right even though I have the current statement that shows it is wrong. This is very frustrating. I can't seem to get anyone on the phone that has any real knowledge. Maybe the smart people there are on vacation today. I have a perfect credit record and don't want it ruined because of this kind of a problem. The really onerous thing about this, which I think has to be addressed, is that Elan was somehow able to basically RE-CREATE all the past statements seemingly at will, changing the amounts owed each month, etc. Lucky I have copies. | ||||||
| 09/13/2018 | Yes |
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| In early XXXX, I called the bank to request an increase on my existing {$300.00} limit U.S Bank credit card that I have managed well since 2012. I had very good credit in which I have been building for many years. I requested a {$1200.00} increase through a phone conversation with US Bank Customer Service Employee, which would make my available line of credit {$1500.00} total. About a week later, I received a denial letter from the bank for my credit line increase request. Each month when I would go into the bank, to pay the balance on my {$300.00} limit US Bank credit card, the bank teller would inform me I wasn't earning any reward points on my existing card. So, a few weeks after I got the denial letter when I visited the local branch, like usual, the teller informed me that I wasn't earning points. So I said, Okay how do I go ahead and get enrolled in points? ( Thinking I might as well get something out of my card if I am going to use it ) So that day, I believed I had been enrolled in getting points. A few weeks later, I went online to select my categories in order to earn a certain percentage back on each purchase. Only to discover that I had two available lines of credit open. One was my {$300.00} card and another was for {$6500.00}! Outside of my own knowledge, the US Bank employee had me sign on the electronic signature box for what I was explained to be credit card points, but turned out to be a credit card. When I set up a meeting with the branch manager, she was unable to do anything about the situation and could not explain to me how I was denied a {$1200.00} increase, but approved {$6500.00} on a new line only weeks later. I was told, by the US Bank branch manager, that US Bank employee received commission from me signing for the credit card that day. The manager informed me the teller signed me up for one of my pre-qualified offers. However, no offer was discussed with me that day, which also goes to show I did not know what I was signing up for. My best guess would be that with my good credit and standing with the bank that I had many offers and he picked the highest one without discussing them with me. The bank manager was unable to answer if I had other offers available and the only explanation was she felt that was the best one. However, it has a very high interest rate and I believe the line of credit is too high and put a huge ding on my credit score. It is just unfortunate that a commission driven employee is able to get away with a scam on a loyal US Bank customer. | ||||||
| 02/18/2018 | Yes |
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| I am filing this complaint because of deceitful if not illegal practices regarding the short sale of my property. 1. OnXX/XX/XXXX after seven months in the short sale review and negotiation process, I received a written short sale counter offer from US Bank in the mail. 2. The counter offer was to increase the purchase amount to no less than 95,000 and the facts in [ my ] application have remained the same. 3. I accepted the counteroffer in writing and submitted as requested a valid Purchase Agreement [ ] byXX/XX/XXXX 4. I included a settlement statement reflecting the conditions of the {$95000.00} price and all else remaining the same. 5. The consideration for this agreement was an additional {$7700.00} in net proceeds to US Bank over my previous offer. 6. US Banks BPO on the property came back with a {$95000.00} valuation 7. OnXX/XX/XXXX I was informed that US Bank reneged on its own counteroffer noting an investor decision. In following up on this news, my attorney and I were told to call XXXX XXXX and discuss the issue with them. XXXX XXXX said because the short sale was in a foreclosure process, they could not talk to us. The agent said that an attorney needed to speak with another attorney at US Bank and referred us to the Legal Department at US Bank. They instructed me to call the toll free number for customer service and ask to speak with the Legal Department. We did that. The customer service agent at US Bank told me that she could not transfer me to the Legal Department because my account was flagged as mortgage assistance point, e.g. in loss mitigation. Instead, she transferred me to Loss Mitigation, who transferred me to another associate, who transferred me to one supervisor who transferred to another supervisor, who transferred me to a customer advocacy associate. The customer advocacy associate indicated ( as did the others ) that it was the negotiator who has the communication with the investor. We asked to speak with the negotiators supervisor and were told he would get back to us, but he would probably not be able to help because it was an investor decision. We were told the offer is rejected, but not denied. At that point, the customer advocacy agent advised me to file a complaint with the Consumer Advocacy Department. I did a week ago and have not received even an acknowledgment that the complaint was received. My position is that we have a legal and binding contract. US Bank sent me a counter offer, I accepted it and increased the price as consideration. | ||||||
| 04/19/2019 | Yes |
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| There are many issues that are not quite correct when interacting with US Bank Customer Service Representatives ( Reps ). Either there are errors or unsupported collection of fees regarding private mortgage insurance ( PMI ) cancellation. Issues First, in XX/XX/XXXX, I verbally requested that PMI be removed from my account and was told that I would not meet the 80 % loan to original value ( LTOV ) until XX/XX/XXXX. After reviewing a US Bank letter ( dated XX/XX/XXXX ) and my US Bank Mortgage Statements, I determined that the XXXX date was in fact an error and LTOV was met in XX/XX/XXXX. This being the case, I missed the ability to write a request for PMI cancellation sooner than my XX/XX/XXXX request ( enclosed ). Based on the ( enclosed ) Consumer Financial Protection Bureau ( CFPB ) Homeowners Protection Act ( HPA ) Examination Procedures that indicates based upon the initial amortization schedule ( in the case of a fixed rate loan ), I could have made an earlier written request for cancellation if I was provided ( in XX/XX/XXXX ) with the correct date that LTOV was to be met. As you may be well aware, this is a lost opportunity to save money because paying a {$100.00} assessment fee and achieving PMI cancellation is cheaper than paying for six plus months of PMI ( at $ XXXXmonth ) that I do not need. Secondly, today ( XX/XX/XXXX from XXXX to ~XXXX XXXX EST ), I spoke with US Bank Customer Service Representative ( XXXX ) and was told that an assessment fee of {$100.00} is required to automatically terminate PMI, even when the 78 % threshold is met, and this is not clear from the XX/XX/XXXX letter ( enclosed ) that I received. The paragraphs ( page 3 ) under the ( US Bank letter ) heading Automatic Termination of PMI are absolutely, positively not clear. It states that PMI comes off the loan when a 78 % threshold is met. The letter does not sate, as the US Customer Service Rep told me, that an assessment fee of {$100.00} will be expected if a person meets the 78 % threshold before the LTOV date. Per the aforementioned CFPB document ( page 3 ), There is no provision in the automatic termination sectionthat protects the lender against declines in property value or subordinate liens. That being stated, indicating I would have to pay a {$100.00} assessment fee after meeting the 78 % threshold, no matter the date at which I do so, does not seem justified. And by the way when I tried to send an email to XXXX, the address the US Bank Rep XXXX told me to use, it came back undeliverable. | ||||||
| 06/23/2016 | Yes |
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| U.S. Bank holds the mortgage to my mobile home that I purchased in XX/XX/XXXX. I pay my insurance and taxes in escrow monthly, and for the past 3 years U.S. Bank has paid my insurance and taxes using my funds in escrow. I received a letter today from Mississippi XXXX XXXX XXXX that my insurance has been canceled because the premium was not paid to them by the due date of XXXX/XXXX/XXXX. I called U.S. Bank and they refused to pay the premium because the representatives and a manager at the bank stated that they would not pay the premium until they receive an update copy of the policy. I called Mississippi XXXX XXXX and they stated they do not send out the new policy until the premium has been paid to them. XXXX XXXX, XXXX, called U.S. Bank to resolve the issue and they also told him that they would not pay the premium until they received an updated copy of the policy. XXXX XXXX told me that they have never sent a policy until they premium has been paid to them. I called the Mississippi Insurance Commissioner 's office and spoke with a representative who told me to call the Consumer Banking Complaint department in Mississippi, and they directed me to your company. I live in XXXX, XXXX which is right in the XXXX hurricane zone path and now I do not have insurance for my mobile home. I can not get U.S. Bank to send the premium and they will not send my money to me. They told me that I could complete a form to cancel my escrow, mail it to them, they would review it, and decide if they would cancel my escrow. I have never made a late payment and have excellent credit. I have always paid before or on time for my mortgage note. I am a single mom with a daughter in college and do not have the money to pay the premium. If a hurricane hits my area, then I do not have insurance to cover the home either. XXXX XXXX, XXXX, told me that now I have to reapply for insurance and be approved before they can accept payment, if it is not received ASAP. I need U.S. Bank to immediately release my escrow money to me, and cancel my escrow ASAP. I was unable to go to my second job today because I have been on the phone trying to resolve this issue all day, and may not have the job now. I am very distraught about this issue. I can not believe that a bank would hold a customer 's money hostage, and not pay the bills as they promise to do so with escrow money. They have paid my homeowners and windstorm insurance for 4 years, and my taxes, and now they are refusing to pay without justifiable grounds to hold my money. | ||||||
| 05/08/2019 | Yes |
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| I had 2 accounts with US bank. Towards the beginning of the month I thought my accounts had been compromised so I called to have them closed. I was told a hold could be placed. The hold was placed on the accounts for a day or so. I was still uneasy, so I called back to have both accounts closed. I was told they were both closed and I would be sent a check for whatever wa left in the account. A few days later I called back because I was thinking about applying for the simple loan which requires the account be opened for a certain amount of time. I wanted to inquire about the 1 of the accounts being reopened to do this. However, when I called, I was told both accounts were still open. I then complained and spoke with someone else. I then learned only one of the accounts had been closed an it wasnt even the original one that I knew had been compromised ; also instead of closing the accounts the holds had simply been taken off unauthorized by me. They then closed the other bank account and reopened the old one, but unbeknownst to me the hold was not placed back on the account. Something then came into the account and I was charged a fee. I called the bank XXXX number to see what could be done as I was going to see about the simple loan with the hold placed and then close th old account and simply get new accounts all together. I was told I that customer service could not take care of such a thing and that only he home branch could do it. I was also told that I would recieve a callback from CS once the Branch opened and that they would reach out to my home branch on my behalf. The issue is 3 things, first, the hold should have never been taken off to begin with and a fee would not have been charged if that had been properly done, 2- it is ridiculous to have a customer service agency that refers you to the home branch which is completely useless, and 3, I dont like having a bank that can not act quickly in such situations, especially when in thought the accounts were closed and instead holds were taken off which ultimately compromised me. So, Im short, this was a bank error. I would like the fees reversed and my accounts permanently closed, US bank is not the bank for me. Also, they keep terrible notes. As I told CS who never reached back out to me, I placed the hold and never authorized it or be taken off unless the account was properly closed, which it was not. I also asked for confirmation of the holds like at regular banks and they said no email or anything could be sent to confirm it. | ||||||
| 07/10/2018 | Yes |
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| I have a VA home mortgage with US Bank that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and US Bank was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that US Bank would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, US Bank reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with XXXX and they came back removing the loan from my report altogether. I disputed through XXXX again and heard nothing, so I called. That is when it was explained that US Bank told them to remove the entire loan from my credit report altogether. I contacted US Bank, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report. | ||||||
| 01/10/2017 | Yes |
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| On XXXX XXXX, 2016, my wife and I went to the US Bank at XXXX XXXX XXXX in XXXX XXXX, Colorado to open a business checking account. While there we listened to another individual open a business checking account as well. The bank representative was XXXX XXXX. It was initially concerning to hear that the accounts were processed and opened in the commmunity area of the bank where personal information, credit disclosures, and monetary amounts were discussed. When XXXX XXXX assisted us, we made it clear we did n't want our personal information openly discussed in this forum. XXXX XXXX apologized, saying he had a loud voice and carried on. During the process of opening a business checking account, XXXX XXXX offered us a business credit card as well ( there is much more detail to this in the attached documentation ). We told XXXX XXXX if there was a 0 % interest offer, we would be interested. XXXX XXXX showed us we qualified for a 0 % interest rated for a period of 12 months and we agreed to sign up for that card. He showed us the dislosure and circled the 0 % interest rate and the business platinum card. After opening the account and receiving all of the pertinent information, we left and a few days later received credit cards in the mail for a higher interest ( 18 % ) card My wife contacted the credit card company that issues the cards for US Bank and they told her they provided the cards that US Bank approved for us and if we wanted the 0 % cards, we would have to apply again. My wife emailed the US Bank help email and was later contacted by area VP XXXX XXXX who confirmed he spoke with XXXX XXXX and confirmed we applied for and wanted the 0 % card. After back and forth emails, XXXX XXXX said we would have to re-apply for the 0 % card. This would cause a second hard hit on our credit report and when starting a new business that may later have investors, we do not want to begin with questions about why we applied for multiple lines of credit. This was a bank error and should be remedied by the bank. My wife sent an email asking for guidance and assistance after this and we have received no further response. I contacted XXXX XXXX Sheriff 's and filed a police report sharing the same information with the sheriff 's department. I believe we were misled and treated fraudulently, applying for and being told we were receiving a specific line of credit and later being provided with another. Then the remedy was to re-apply, affecting OUR credit to get what we originally told we were approved for. | ||||||
| 11/22/2016 | Yes |
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| Mortgage loan # XXXX We opened a mortgage loan with USBank on XXXX 2016. It was a very long process over 90 days ... the appraiser was not knowledgeable and was being sanctioned by the state for his mistakes ; we provided supporting docs to the local branch and requested a new appraisal and appraiser ; still they did n't do anything. It took so long that the builder even issued a cure notice and we were close to loose a large down payment thank to this bank inefficiency. It was a construction loan and our downpayment was over 20 % of the appraisal value and I did n't want to include the escrow on the payment. The loan officer at the local US Bank branch XXXX XXXX told me that he checked with their construction department and based on the fact that we were doing a construction loan they were not able to waive escrow at the time of the closing but he said I could request to remove escrow after the construction switched to a regular jumbo loan, he said a year after closing- all communication with the loan officer was via email so I have this in written. We closed in XXXX 2016 and I recently called the bank to request them to remove escrow since it seems that their is an escrow shortage for taxes and my insurance company cancelled the policy due to non payment. I received a notice of cancellation letter from XXXX for my policy XXXX on XXXX. I believe US Bank is not handling the escrow account properly and I called the bank to request the escrow to be waived. I was told by the beginning of XXXX that in order to remove escrow I had to pay the escrow shortage which is far enough and I understand but they are on top requesting a 1.5 % of the unpaid principal balance to remove the taxes and insurance from the escrow and 1.25 % to remove just taxes. Today XXXX/XXXX/16 XXXX I called again and spoke to a senior rep with US Bank customer service XXXX who had that kind of an attitude " i know all '' and spoke over me a few times and she said that the escrow waiver fee was 1.25 % either if I wanted to remove taxes and insurance or just taxes ; how frustrating is to get contradicting information. I requested the first time I called in XXXX 2016 a copy of any escrow agreement I might have signed at the time of closing where I agree to pay a fee if the escrow was removed. I did not get anything and today I requested it again. Today I was told there was not such document ; again contradicting information.Any of my closing docs show anything about me agreeing too pay an escrow waiver fee to remove escrow. | ||||||
| 04/02/2015 | Yes |
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| Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially XXXX XXXX in Fraud Department. On XXXX XXXX XX/XX/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us bank and was Welcomed by VERY RUDE Disrespectful person name XXXX XXXX who was from beginning start accusing me that i will take this card spend and never pay them back even though i have VERY exceptional credit and I 'm very responsible borrower having just used 2 percent of my total available credit NEVER been Late and doing all my best to Never have any delinquent or negative mark in my credit. XXXX XXXX start making assumptions that im high risk that i have available credit and and because i do n't have balance XXXX day i might take all credit available to me spend and never pay back. I have great job great credit and i was treated very very biased and i do n't afraid use word maybe even discriminated. I ask him politely to speak to supervisor and he did n't wanted to transfer by saying on behalf of supervisor that supposedly he would tell me same thing but after me pressing him he finally transfered me where i left message and never got all back. Couple days later i received this letter the reasons of my application denial which is completely false all reasons. i attached to see all of them and also im happy to send my updated credit bureau with XXXX XXXX which shos i have VERY EXCEPTIONAL CREDIT the same credit which they rated XXXX score XXXX they denied me credit based on all false injustice reasons. Im giving my consent to please investigate and know the TRUE on my behalf dear Consumer Financial Protection Bureau. All this process was VERY UNFAIR BIASED AND IM SURE I WILL CLEAR MY NAME BECAUSE MY CREDIT CARD APPLICATION WAS NOT SUPPOSE TO BE IN FRAUD DEPARTMENT IN FIRST PLACE. Please assist me to find justice and to credit equal access to credit based not on any type of XXXX religion or national origination but based on facts and the facts are i have as i stated very exceptional credit great job and income and still my application goes to fraud department for no resaon. thank you very much | ||||||
| 08/10/2023 | Yes |
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| During loss Mitigation = We sent all documents into US Bank via online portal and they never requested any further paperwork until 3 months later. Recieved letter on XX/XX/XXXX and was never mailed nor uploaded into our online service until XX/XX/XXXX stating we didn't submit self employment tax records : sent XX/XX/XXXX, profit and loss missing ( sent XX/XX/XXXX ) and descrepancy in address ( stated over the phone we have a po box XX/XX/XXXX ) Recieved a second letter stating the same thing and made us resubmit and reapply all documents XX/XX/XXXX XX/XX/XXXX us bank request again individual and business taxes with updated signature and require verbal and written notice of hardship. XX/XX/XXXX = we called to check on our application and yet again they say we are missing profit and loss statements ( as of XX/XX/XXXX they have requested profit and loss XXXX ) XX/XX/XXXX we again call us bank to check on missing information and they say the under writers are requesting full year of our business profit and loss now with different dates then previously. XX/XX/XXXX = us bank sends letter stating only option is to short sale or house.. ( we have never missed a payment and our equity is XXXX what our mortage loan is. they state all available customer assistance reviews we are not approved for XX/XX/XXXX we sent appeal request, they never mailed an acknowledgment of appeal until XX/XX/XXXX which states they will respond on seperate cover by XXXX about loss mitigation appeal and never do so. at which they also state there is no issue with or escrow and no error that occured. our tax bill for XXXX states we had a state tax refund and the remaining balance was XXXX. Us bank states it's XXXX. this has been occuring since XXXX we request another escrow anaylsis and they never do it. XX/XX/XXXX they say our payment is XXXX but since XXXX it has steadly gone up every month and is now currently at XXXX. XXXX paid XXXX dollars to reinstate our mortage XXXX and they paid in over XXXX dollars to our escrow and can't tell us how our escrow got to under a XXXX dollars by XXXX. US Bank is also charging us " USDA fee XXXX of {$400.00} out of our escrow every 6 months " and we have had our mortage with this servicer since XXXX and never had that charge. WE have had emotional and physical reprocutions from US Bank and how they have handled things and tried to take our home. How they continue to hide where our escrow payments are going, and the lies we get told by customer service is not okay. | ||||||
| 11/07/2022 | Yes |
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| Earlier this year I filed a complaint in regards to us bank. I'm not sure how the timing works. I didn't have access to exactly all of my old paperwork due to family funerals and the house of my family getting burglarized several times where majority of my old paperwork was stored. I had an account with U.S Bank in XXXX. I applied for a card to build MY CREDIT through XXXX XXXX on XX/XX/XXXX. I payed XXXX XXXX My card was not charged until XX/XX/XXXX. I called XXXX XXXX and they said they refunded the money and did not tell me why. The exact same week I get a letter of insufficient funds. On XX/XX/XXXX I got a refund. I was not given an opportunity to pay the {$46.00} WHEN I WENT INSIDE THE BANK IN PERSON, NOR keep my account open. I RECIEVED AN odd all XXXX XXXX XXXX XXXX in XXXX that year from the XXXX XXXX stating my account was closed. I tried to pay it again and asked if I could pay it and open a new account and was told I could not. I had no choice except to eventually go down the streeXXXX and open an account at XXXX XXXX XXXX XXXX WHERE MY ONLY OPTION WAS " SECOND CHANCE CHECKING '' I DIDNT LIKE HAVING TO DO THAT BUT MY ENTIRE FAMILY USED XXXX XXXX XXXX XXXX XXXX I TRUSTED TO USE THEM. THIS YEAR I found paperwork to a trust account for myself that my grandmother had put up for me XXXX XXXX When I searched all the places that took over XXXX bank it turned out To be XXXX XXXX now. The XXXX sent me a letter after I inquired with fdic about the trust account that stated I had not applied to XXXX XXXX XXXXor credit since XXXX and was denied. I applied on XX/XX/XXXX and payed and the money was refunded. XXXX letter from the XXXX was addressed to Mr. then another one to Ms XXXX more distortions. I am a woman, was born a woman. I do not have a guardian, at least not to my knowledge. Back to U.S. bank I RECIEVED AN email in XXXX stating that my address on my account was updated. I did not have an account, my account was CLOSED IN XXXX OF XXXX IN XXXX I BELIEVE SOMEONE FRAUDULENTLY FILED GUARDIANSHIP OF ME. I WAS IN THE THE ER ON XX/XX/XXXX THIS YEAR I WAS TRICKED INTO SIGNING A BLANK GUARDIANSHIP, I WAS THERE FOR AN INJURED ARM. THE WOMAN TRIED GIVING ME DRUGS, WOULD NOT LOOK AT MY ARM AND SENT ME HOME WITH PAPERWORK FOR AN INJURED LEG AND WRONG INSURANCE INFORMATION. I FEEL WHO EVER IT IS THAT CHANGED MY INFORMATION IN US BANK IN XXXX has something to do with this entire issue BECAUSE I HAVE HAD ISSUES TRYING TO GET ANY OF MY INFORMATION FROM SEVERAL BANKS. | ||||||
| 08/14/2020 | Yes |
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| I applied to the U.S. Bank Altitude Go Visa Signature Card on XX/XX/2020, online. The application was in process for several days, and I have never been contacted with any follow-up. On XX/XX/2020, the application showed as denied. After a 20-minute hold ( seems excessive to me ) someone finally answered the call, who told me that they just needed to verify some information. I spoke with the verification department, and was asked a few questions. I was asked if they could send a text code to my phone, I agreed, and then they told me their system had an issue and the code could not be sent. One of the questions was if I was travelling and that prompted me to clarify I have to use VPN at home, and maybe that's why the application might show as not coming exactly from my address in New York ( even though the VPN is for the tri-state area ). I was asked a few more questions and put in a hold. In the meantime, I did receive the text message with a code. After holding, I was told they " don't feel comfortable approving this application ''. I had already confirmed my identify with questions, and also confirmed I received the text message but she refused to even take the code I received via text, due to their system error. She just kept repeating that they " don't feel comfortable approving this application '' but I was invited to reapply immediately without a VPN, and that would mean another hard inquiry in my credit report. Strangely, my partner had applied for this exact same card a few weeks ago using my computer ( and he lives in NJ, not NY ) and his application was approved. So this verification is also not consistent. I felt discriminated. I answered all my questions correctly, I received the text message in my personal phone, there is nothing in my credit report that would prevent me from opening the card ( no cards opened in over a year, score of over 810, no debts ). I understand if the VPN might have raised concerns but I already confirmed my identity, and asking me to reapply with another hard inquiry is not fair. It seems to me I was denied because of their system error ( not being able to take the code sent via text ) other than anything on my side. As a customer, I have the option to open any other credit card that I want. However I find it important to share with CFPB how my application was handled, even after confirming my identity and phone number. I never hard a credit card application denied before, and VPN was never an issue in previous applications. | ||||||
| 01/04/2022 | Yes |
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| Before loan closing we were told we would get a refund check of {$5600.00} for the balance of overpaid taxes we had made in escrow on original loan. The closing doc did not indicate our refund because I was told when I verbally questioned it with underwriting dept rep that the taxes had not been paid yet so it had to show due on the closing statement and we would get the refund at closing for the difference. I also indicated in email communication with closing dept rep that I did not understand why we were being charged twice and she told me we were not and this was correct closing information ( but it wasn't in the end ). We never received the refund we were promised. Instead U.S. Bank paid the taxes twice with the money. The overpayment was returned to US Bank on XX/XX/XXXX by our local county tax department. I was then told by U.S. Bank on XX/XX/XXXX that they had received the refund back and it was sitting in the account to be dispersed to us and that we should have a refund check within 5 - 7 business days. We did not receive it so I called back on XX/XX/XXXX and was told the same thing again. Still did not receive the refund check within 5 - 7 days as promised. I called back a third time on XX/XX/XXXX and was told it would take another 45 days to process which was a different story from the previous two rep conversations. We do not believe it is moral or fair for US Bank to hold our money for so long when we should have receive the refund back in XX/XX/XXXX at closing or shortly thereafter as promised. In the meantime, we are being charged interest on this money as it was financed as a part of our second loan. Also, we are being charged additional funds in our escrow account for the taxes for the new year. So in summary, we are paying 3 times for these taxes plus being charged interest in the new refinance loan on our own money we paid into escrow in original loan in XXXX. In other words, first, we paid one year of tax money in original loan escrow in XXXX and taxes were paid to county in XX/XX/XXXX. Second, the money was withheld again in our refinance loan closing in XX/XX/XXXX and we are being charged interest on the money they owe back to us! Third, US Bank is collecting additional tax money in Escrow monthly on current loan. We can not seem to resolve this with them. We keep getting the run-around and are promised resolution but it never happens. What are our rights for our money being withheld for so long and not refunded to us plus we are being charged interest on it? | ||||||
| 10/04/2018 | Yes |
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| On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers | ||||||
| 03/31/2015 | Yes |
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| SUMMARY : As a prospecting Home Owner in XXXX, I wanted a local bank in the region of metro XXXX, XXXX to finance my home - I chose XXXX Bank and upon processing my loan to finance. I wanted to feel the need to if I had any questions about my loan or any circumstances of my situations, I had the pleasure to walk into the bank itself. My loan was sold to US BANK in which I had no control of. Since the transferred of the loan, I have not received the adequate of services of this lender. This loan servicer is located in the State of XXXX in which is not accessible for me. With a local bank that is accessible in your area will allow you to incorporate the questions and concerns of your mortgage - to have someone to speak in person says a lot to handle the future of your home. I was deprived of that by force ... not by choice. According to US BANK, I have been calling a CALL CENTER and spoken with a dozens of individuals in which half of them told me something different other than what the others said ... no consistency at all!! This is not a call center whereas I pay my phone bill, credit card, or check on my banking account - This is my home, my shelter, my dwelling!! My intent is to save my home, however, with dozens of denials from US BANK and too many inconsistencies based upon the documentations has really been appalling. The last Relations Manager on my account - XXXX, did not work effectively or efficiently for me to save my home. She was rude, very loud talking, and spoke with hostility in her voice. I have several times to ask for a new Relations Manager, however, I resulted back to her to contact. I was told I did not have enough income ( XXXX documented ), but yet, to work a second job and was told I made too much for a modification on my home ( XXXX verbally ). Majority of all documents ... at least 75 % would not contain any signatures or names. My original loan payment of {$1400.00} began XXXX/XXXX/XXXX - my ending mortgage payment of {$1400.00} is XXXX/XXXX/XXXX ... .where is the assistance or real modification?? How can one receive documents that you were denied without a signature or name of who denied you - How can one be approved for $ 10- {$30.00} dollars off your monthly mortgage without a signature or name of who approved you ... .only to say ... Sincerely, The Resolution Default/Loss Mitigations Department XXXX Too many inconsistencies, speaking with too many individuals and the bias decisions has led me to this point of mayhem!! Sincerely, Damsel In Distress | ||||||
| 05/08/2023 | Yes |
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| On XX/XX/XXXX I had to visit the hospital due to an illness, I was retained in the XXXX until XX/XX/XXXX. Upon departing the hospital I checked my US Bank Relicard, and noticed there were several charges I did not conduct. These charges were at a XXXX And XXXX XXXX and XXXX bill, all of which were not near me. There were also some ATM Withdrawals. My wallet was stolen with the card, and I do not know whom stole it. I did not realize it was stolen until I left the hospital since I was in the ICU. US Bank asked me to send in a signed " letter or statement of dispute upon waiting for their statement of dispute to arrive in the mail '' I did send a statement of dispute and evens on XX/XX/XXXX. Then subsequently received the forms on XX/XX/XXXX and XX/XX/XXXX after calling AGAIN to see where the forms were. I wrote exactly what happened. There were two additional charges for XXXX, and these XXXX Trips were for me to go to and from the hospital. This didn't require me to type in a card number because the card was already saved on this app. So again, I was not aware my card had been stolen. US Bank when I called back on XX/XX/XXXX I was told they investigated my " Fraud Claim '' on XX/XX/XXXX and XX/XX/XXXX and determined no error occurred and that they " Verified '' I or someone was authorized by me to make these transactions and that they benefited from the transaction. This not only is false, Especially since I was in the hospital and these MERCHANTS ARE IN XXXX OKLAHOMA. 2 Hours away from me. I do not own a car and would not have been able to make it to this location while in the hospital. It's not possible to be in two locations at once. Again I never authorized these transactions, nor Did I receive any benefit from these transactions I was in a hospital in XXXX, TX. These transactions occurred in XXXX, OK. I do not believe this was properly investigated and XXXX belief US Bank quickly rushed this out so they did not have to refund the money that was stolen from me. This is beyond frustrating. XX/XX/XXXX ATM Withdrawal {$360.00} - ATM Says in XXXX OK, XXXX. Again Different state. XX/XX/XXXXXXXX XXXX {$10.00} - California XX/XX/XXXX ATM Withdrawal {$20.00} XX/XX/XXXX XXXX XXXX {$20.00} - Us Bank had to send second dispute form after they missed.. XX/XX/XXXX ATM Withdrawal {$140.00} XX/XX/XXXX ATM Withdrawal {$100.00}. XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$10.00} XXXX Ok XX/XX/XXXX XXXX # XXXX XXXX {$230.00} | ||||||
| 11/14/2017 | Yes |
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| On XXXX XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents. 1. Copy of the flyer front and back with the terms and details. 2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us bank customer service department. Please do the needful Thank you XXXX XXXX XXXX | ||||||
| 08/19/2022 | Yes |
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| I was impacted by XXXX. I have had a financial hardship related to the quarentine and the next year I was admitted to the hospital in XXXX and discharged in XXXX. At some point I learned that I was eligible for mortgage asistance. I sent a loan modification application XX/XX/2022. When I called to follow up I was told that the loan modification would be cancelled and i would recieve the correct one in the mail. It could take up to 10 days. i never recieved it. At the end of each call I would confirm with the specialist that the mailing of the application would pause the foreclosure proceedings because my home was nearing the sale. All the application I sent where closed for various reasons, such as missing a document, needed a wet signature, SSA verification, missing application (? ). All of which I returned via email, mail, and or fax. Emails included statements about hardship, my williningness to comply so that i can keep my home. All of the reps I talked to indicated the process would stop because of my concern that 2 weeks is a long time to wait for the application. Emailed application took 5 days. My access to the online application was blocked as well. I understood that some of the applications were never recieved because they were cancelled or closed days after requesting information from me. I emailed and asked the rep about using updated documents from the other closed applications. They do not respond to emails. At one point I was told my house had not sold when it had. I made life changing decisions based off information coming from the specilist which I took as fact. Afterwards i recieved a denial letter for help as my home had already sold. My home was nearing confirmation of sale. I filed a motion to stay the confirmation the judge denied it choosing to focus on 'supposed incomplete applications when I thought I was arguing the fact that the lender had misreprented itself and those lies lead to my house being sold and leaving me with very little time to find affordable house on a fixed income. I am right now homeless because the lenders organization of specialist are not properly trained or they are all partipants in the lenders shenanigans. Non the less the plan was to work towards financial freedom all the while the lender giving me bogus information, misplacing documentation, unwillining to assist a borrower who can not get the application tother. Please do not cancel this compliant I did not recieve help I am filing pro se. All the work here is orginal | ||||||
| 04/13/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I disputed {$6200.00} for services I did not receive from XXXX. On or about XX/XX/XXXX I was issued a provisional credit for {$6200.00} from US Bank. I did not receive any request for additional documents, nothing by mail, email, phone, text, or online notification within the US Bank portal, or from XXXX XXXX. On XX/XX/XXXX I noticed {$6200.00} was deducted from my business checking account with US Bank. Upon calling US Bank customer service they referred me to their Cardmember Services Department in North Dakota. I was told at that time US Bank had concluded their investigation on XX/XX/XXXX and mailed me a letter which I should receive within 10 days, On XX/XX/XXXX I called Cardmember Services again and explained I had not received any letters and asked that they read me the address on file. US Bank had erroneously mailed both the document request letter XX/XX/XXXX, and the notification letter XX/XX/XXXX to me personally not my business and they did not include the suite number. On XX/XX/XXXX I asked that the dispute be reopened because US Bank did not follow the proper timeline set by XXXX and upon their own admission mailed both letters to the wrong recipient and without identifying the proper suite number. On XX/XX/XXXX I received another letter this one mysteriously now included my suite number which was dated XX/XX/XXXX. US Bank now claims that under XXXX Regulations they have no recourse. I have tried making contact with XXXX XXXX but can not get anything but an auto-response stating they have nothing to do with their own cards that banks make their own rules which is a much different story than US Bank . After complaining to CFPB, US Bank CEO XXXX XXXX, Chief Legal Council, and every other federal watchdog I could find I received a letter sent to my home address from XXXX, Office of the President claiming the following ; documents received after allotted time frames and unable to assist per XXXX, the responsibility of providing us with accurate mailing address which they had, and finally in the absence of bank error, we are unable to grant your request. I have asked XXXX for a copy of their guidelines and they have refused to answer. I believe US Bank did error as they were provided a copy of my business documents which included the suite number. US Bank sent the document request and decision letter to me personally and without a suite number but when I filed a complaint the letters magically included the suite number or were sent to my home. | ||||||
| 07/24/2019 | Yes |
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| I purchased a prepaid debit card for {$100.00} from a grocery store a few months ago. The card was issued by US Bank. I made a purchase from a restaurant that was well below the {$100.00} limit on the card, {$56.00}. However, the bank approved the transaction for {$140.00}. Which made my balance negative, which makes no sense since this is a prepaid card without overdraft protection. I called U.S. Bank at the phone number they provided for disputing transactions. I informed the representative that I needed to dispute the amount of the transaction. She asked me if I had contacted the merchant first. I responded no. She said that I have to first dispute the transaction with the merchant. I replied that is contradictory to the disclosure provided to me by U.S. Bank which states that I should contact the bank in the event of an error with a transaction. The representative put me on hold while she spoke with a manager. She came back and said that her manager stated that I must first contact the merchant before I contact the bank with my dispute. I asked to speak with the manager and I went over this again and again. After almost an hour long process, the manager finally said so you would to go ahead and file a dispute? I said yes that is what I have telling you from the beginning. Then he transferred me to another department to finally file my dispute. U.S. Bank is not following their own disclosures or the law. They are attempting to turn as many people away as possible from filing disputes with them. Had I not been so persistent, I would not have been allowed to file my dispute. On XX/XX/2019, I received a letter from U S. Bank that they had provisionally credited my account in the amount of {$140.00}. The letter stated " You will have full use of these funds while we complete our investigation. '' I tried to use my card later that week and it was declined. I called U.S. Bank and they said that it was declined because my card was " deactivated '' due to the disputed transaction. I asked then if I could get a new card so I could " have full use '' of my funds. The representative stated that she could send me a card, but there was normally a fee of {$5.00} for a new card. However, she said she could waive the fee in my case. I received the card recently. However, the bank charged me {$5.00} for the new card. So essentially to " have full use '' of my funds I have to pay U.S. Bank another {$5.00}, which was NOT mentioned in their letter to me regarding the provisional credit. | ||||||
| 08/17/2023 | Yes |
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| Sometime on XX/XX/2023, I opened a checking account with US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX with an initial deposit of {$50.00}, maintenance fee waived being a senior. On XX/XX/2023 I deposited a XXXX check in the amount of {$3600.00} issued to me for services rendered as a caregiver to a client. Last XX/XX/2023, I received a letter from the US Bank manager dated XX/XX/2023 through USPS informing me that US bank is in the process of closing my account because of " suspected irregular activity ''. After reading the letter on the same date, XX/XX/2023, I called up the number XXXX XXXX XXXX provided in the letter to inquire why they are closing my account and what is all about the " suspected irregular activity '' mentioned in the letter. The lady who answered said she has no idea. In turn, she gave me a new number XXXX XXXX XXXX to call. The 2nd lady answered the line and also said that she have no knowledge why my account is in the process of closing. She then connected me to their Fraud Division where a man answered, also saying he has no idea what is going on with my account. On or about XXXX XXXX XXXX XXXX XXXX of XX/XX/2023, I went to US Bank branch in XXXX XXXX XXXX to seek audience with the branch manager to clarify the issue. Inside the bank, a man in white polo shirt and black pants approached me, and I told him that I wanted to see the branch manager after I showed him the letter. After then, he conferred with the two ladies sitting on one of the tables inside the bank. After a while he came back and told me the bank has the option to close my account when they see a " suspected irregular activity '' with my account. I responded that I wanted to know what was the " suspected irregular activity '' all about with my account since I only have two transaction involving the initial deposit of {$50.00} and the deposit of XXXX check in the amount of {$3600.00}. Since the man could not tell me the reason for the closing of my account, I told him that in this case, I am going to close my account after I withdraw the money that I deposited. However, he told me that I can only have my deposited money withdrawn once the their review of my account is done. Since then, it has been Sixteen ( 16 ) days after the branch manager wrote me the letter. Meanwhile my family have to wait for my money to be released before I can send them their monthly living allowance and school expenses. As time goes by, I am living with stress everyday thinking about my family. | ||||||
| 11/30/2023 | Yes |
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| On XX/XX/XXXXXXXX I made 3 payments to State Farm Insurance Co charged to my US Bank credit card which I will refer to as account # 1. There is another US Bank credit card account I will refer to as account # 2. The amounts charged to account # 1 were {$510.00}, {$480.00}, and {$570.00}. Please note this account # 1 has a 0 % interest promotion till XX/XX/XXXXXXXX and that is why I wanted to use it. The amounts of {$510.00} and {$480.00} billed to account # 2 properly. But the amount of {$570.00} was applied to account # 2 in error. Please note I was on the same screen for all 3 insurance policies at one time in the same payment session. I received an email for each payment from US Bank. One of the emails stated that the {$570.00} was charged to account # 2. I called US Bank on XX/XX/XXXXXXXX @ XXXX and explained what had happened 3 times to the same person. She just could not understand what I was telling her. Which was a very simple thing to understand. She then told me that she did see the charges on both accounts but could change anything till it billed complete, that they were still processing. She told me should would handle crediting the account # 2 and billing it to account # 1 as soon as it finished processing. But she never did. I have had several situations with US Bank in which they refused to follow there own published documentation, they were very disrespectfully, they never do what they said they would do, it was always someone else 's fault or responsibility, and I was always wrong but they ended doing what I requested and suggested only after I registered a complaint with you. Today when I called and started to explain what happened the lady starting interrupting me after I spoke every few words or so, and would say she would not be able to help, or that I would have to go to State Farm, or its too late to do anything now, before she even heard the complete series of events. I never got to tell her which accounts or any dollar amounts. When I asked her to please stop interrupting me and please let me finish my sentences I heard a click and a beep on the line like when a recording is stopped or started. After that she really got ugly, so I just told her never mind I will just make a complaint with you, and she told me " I don't care what you do '' and said good by and abruptly hung up. So all I am requesting is that account # 2 be credited and the {$570.00} be transferred to account # 1 and any interest charged on account # 2 be credited to that account. | ||||||
| 11/17/2021 | Yes |
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| I XXXX XXXX did not sign any contract with XXXX XXXX XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. Notice that it is a fact that the affiant has reason to think and does believe that XXXX XXXX XXXX XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. Notice, it is a fact, that, I, XXXX XXXX XXXX XXXX XXXX am aware that XXXX XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that XXXX XXXX XXXX XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( 6 ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay. | ||||||
| 09/29/2020 | Yes |
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| On XX/XX/2020, at XXXX XXXX, I attempted to call ReliaCard customer service to speak with a representative regarding fraudulent charges to my account. ReliaCard is the reloadable debit card that Oregon unemployment payments are deposited to, issued by US Bank. Instead of looking at my card for the customer service number on the back, I went to https : //www.usbankreliacard.com/contact-us and clicked the call XXXX XXXX XXXX XXXX link which prompted my phone to call the number. The automated system that answered asked for my 16 digit card number, which I retrieved and entered, then informed me that my phone number I was calling from wasnt associated with my card, which was odd because I receive transaction alerts via text message for the card. Next, the system asked for the last four digits of my social security number which I then entered, then the system said all customer service technicians were busy with other callers, it said goodbye and ended the call on its own. I then looked at the back of my card and compared it to the number I had just called and they were different. I called the number on the card ( XXXX XXXX XXXX and the automated system said most of the same things as the previous one, but didnt have me enter my card number, my social security number, and played waiting music as I held for the next available customer service technician. The technician informed me that the first number I had called was not affiliated with US Bank or ReliaCard. Following that call, I called a local branch of US Bank and spoke to a teller about the issue, and he had no knowledge, awareness, advice, information, resolution, or so much as interest in the situation or my concerns, which he ultimately attempted to minimize before ending the call. I then spoke with local law enforcement who transferred me to the Attorney General, who referred me back to the internet and this complaint form. Following this complaint, I intend to itemize my charges, deposits, and full account history to discuss with the ReliaCard Fraud Department, cancel my current card, and order a new one, as well as use the Credit Bureaus protection features. I was already concerned but now am terribly concerned about my credit, identity, privacy, and financial well-being. I dont understand how a bank, especially such an established bank can be so careless about the privacy and security of its members. I have spent the past 7 hours attempting to mitigate the consequential events of that phone call. I feel so violated! | ||||||
| 10/14/2020 | Yes |
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| Ohio has issued a U.S. Bank Reliacard to receive COVID-19 Unemployment benefits. I have been reciveing benefits on this card and used this card just fine until on XXXX XXXX, my card was suddenly " locked '' for ID verification purposes. Relicard associates told me to fax a copy of my ID, SS card, and a copy of my XXXX W-2 or IRA tax document, they would verify me, and have my card unlocked in 5 business days. I followed that instruction and sent those copies on XXXX XXXX and again on XXXX. After calling and waiting for hours to talk to someone to make sure they got it, they told me they can not call F.I.U.Verification where I sent the fax, they can not verify if they received the fax and I should send it again. I did so on XXXX XXXX, and this time I sent a copy directly to U.S. Bank Reliacard , so they too would have a copy of those same documents. Now, 4 weeks with this locked card, and having my unemployment benefits being consistantly deposited, I still have no access to a card that was given to me to use my benefits! I have been told by Reliacard, 5 days, then 7-10 days,10-15 days before my card can be unlocked. We are now past that. I have been told my documents have been received and approved, now on XX/XX/XXXX, Im being told they have not been approved, " the copies are too dark '', " we are backed up.. '' and " to call back in an hour.. '' this is completely unacceptable! I threaten to call Ohio unemployment, and Reliacard associates tell me they have nothing to do with it. Ohio unemployment says they can't help because there is nothing wrong with my benefits. I ask for FIU Verification number to call them directly, Relicard says they don't have a way to contact them! I look online at https : //www.complaintboard.com/us-bank-reliacard-l1835.html and there are thousands of the same complaint for the same reasons! What is happening? My bills are due and I'm sure I can't keep telling them 5 days, XXXX days, 15 days. Thank XXXX my resturaunt job that closed due to COVID taught me how to cook, but I have no food to cook since Reliacard 's so-called verification process has my benefits locked now for over 3 weeks. I will not attached the personal documents that Relliacard has asked me to forward, ans they contain Social Security number etc. I find it ironic that this day in age with the amount of fraud that is happening, Reliacard has asked me to fax personal info to a so-called verification group THEY can not contact themselves, nor will give me info to contact myself! | ||||||
| 07/27/2023 | Yes |
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| XX/XX/ Account opened with wire transfer for initial deposit of {$6000.00} online after a promo for a XXXX XXXX checking account was received in the mail. XX/XX/23 I called in to get the full account number to set up online access and switch over my autodrafts, but they refused to give it to me even after verifying my identity and business information. XX/XX/23 I still have no access to the wired funds and no full account number and no online access and called in. Was advised to switch mailing address for business checking account by submitting a signed letter via email so they can change the mailing address for direct receipt of the refund. I requested account closure. US Bank requested a address change letter since account opening disclosures were not yet received ( at business mailing address ) since account was so new. Letter requested mailing address be updated to my personal address so refund can be received timely. XX/XX/23 Email sent to XXXX using XXXX XXXX XXXX. I requested account closure in writing and refund to be expedited. XX/XX/23 Inbound call from US Bank stating letter received, but must be notarized. XX/XX/23 I emailed the notarized address change request letter. XX/XX/23 A followup email was sent after no refund was received almost 30 day later advising no payment had been received. XX/XX/23 I called in to followup and was told the check was stop paid since it was mailed to the old address and was re-issued. Then was transferred to a manager who advised refund was not re-issued yet as they sent out an Affidavit of Loss via postal that I would have to get notarized and send back to get them to reissue to refund. I objected stating they made a mistake, not me, and need to simply correct their error without having me to do additional tasks. I requested higher escalation and was promised a call back without resolution. XX/XX/23 I called in to followup as no mgr has called me back, and no Affadavit has been received for me to sign, and no refund is even on its way according to U.S. Bank. I XXXX XXXXXXXX today who advised the address change letter was never processed properly and he would send to Business Services Dept to process the address change so the chain-of-never-ending requests can start again. He advised once the address is changed, the original check can be stop paid and somehow all this will eventually lead to my refund being issued. I am in limbo and 2 months later this company is still playing with me and holding my money. Please help. | ||||||
| 12/29/2017 | Yes |
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| On XX/XX/XXXX, I applied online for a auto loan at the U.S. Bank website. The bank did not communicate with me on the progress of my application ; I did not receive any phone calls, letters or emails. On XX/XX/XXXX, I made a phone call to my local U.S. Bank branch and spoke to manager XXXX XXXX. She told me that my application had been denied due to insufficient documentation. I said that the bank had never requested any additional documentation from me. She said I can bring proof of my income to the branch and she would appeal the denial decision. I came to the branch on the same day and gave her copies of my recent paychecks. I told her that I did not want to appeal the banks decision if this results in a new hard inquiry on my credit report. She said that there will be no hard inquiry if she appeals the decision. In two days, on XX/XX/XXXX, she called me and said that she had been unable to appeal the decision because the case had been closed. She also said that I can apply for a pre-approval for an auto loan again ; if I do so, I have better chances to be approved. ( My first application was not a pre-approval ; it was the actual loan application ). She said that if I want to proceed with the pre-approval, I need to come to the branch again and sign the application. I asked her again if this would result in a hard inquiry on my credit report, and she said no, it would not, because the second application is submitted within 30 days from the date of the first application. I came to the branch on the same day and XXXX XXXX told me that I would meet another banker, XXXX XXXX, to finalize the second loan application. XXXX XXXX actually told me that he did not need my signature to submit my application. He even said that he did not know why XXXX XXXX had told me to come to the branch. According to him, the application process could have been done over the phone. At that time, I became very alarmed as I realized that XXXX XXXX says something different every time I speak with her. I specifically told XXXX XXXX that I do not want to proceed with the second application if it results in a hard inquiry on my credit report. Just like XXXX XXXX, XXXX XXXX also told me that no new hard inquiry would appear on my credit report. He submitted my application and I left the branch. When I came home, I received a notification from XXXX, credit reporting agency, about a new hard inquiry placed by the U.S. Bank on XX/XX/XXXX. I consider this activity as customer fraud and sales fraud. | ||||||
| 10/22/2021 | Yes |
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| On XX/XX/XXXX I was approved by my XXXX church for assistance through them and was given a check by XXXX XXXX for my mortgage I went to US Bank XXXX XXXX XXXX XXXX XXXX, AZ XXXX at approximately XXXX XXXX. And was told I couldn't pay my mortgage due to being on forbearance and was advised to call and request to be taken off forbearance. XXXX XXXX I called US Bank XXXX XXXX mortgage department and spoke to a representative that was very rude and I got into a verbal confrontation with and I ended up cussing at him then regained my composer and had to ask for his Supervisor at least 20 times before he would put on the phone ( I have this recording as well ) his Supervisor got on the phone and told me u was not in forbearance I was in the stage right before that but assured me that he was taking care of it. So again I went into US Bank and attempted to pay my mortgage with the check I got from my church. Again I went to the teller and was told I couldn't make the payment due to being in forbearance and was instructed to call the home mortgage depot which I did and was instructed to give them the check routing number and account number to pay over the phone and was instructed that my forbearance was taken care of but it would be approximately 30 days before it would update in the system. XXXX XX/XX/XXXX. I was just checking all my accounts and when it came to the US Bank account I noticed that my mortgage account numbers were off so I clicked on the account and saw that the payment was reversed. So I went into the branch on XXXX and XXXX in XXXX AZ. And spoke to XXXX who made a call back to the mortgage deposit I talked to XXXX employee i.d. # XXXX who advised me that I needed to speak to a senior account representative before I could speak to a supervisor so I did and I immediately told him turn me over to a supervisor and that when I was put on the phone with Gaberial out of XXXX CA I.D . # XXXX who was very rude and told me I have to talk to a loss mitigation specialist so I asked to talk to his boss to which he said there is no one above him at that office and I would have to file a complaint. He got back on the phone with XXXX and about 30 minutes went by and I was put back on the phone with XXXX i.d. # SVN who was in loss mitigation the retention department and she advised me that who ever I talked to before didn't take me out of forbearance she had to just put in her code and I would be taken out but I would be 5 to 7 business days before I could make a payment | ||||||
| 05/08/2015 | Yes |
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| U.S. Bank changed the terms of my FHA loan to an Adjustable Rate Mortgage ( ARM ) loan in an effort to force me into foreclosure ( XXXX ). Therefore, in order for them to carry out their plot of forcing me into foreclosure, U.S. Bank fraudulently increased my mortgage payments " on paper, '' via the mortgage statements I receive from them, by more than $ 200/mnth dating back as far as XX/XX/XXXX. When I inquired about an urgent letter that I received from them in XX/XX/XXXX of an escrow shortage I was informed by U.S. Bank that the drastic increase in my monthly payment was a direct result of my property taxes going up ; by default created the escrow shortage instead of the fact that U.S. Bank had changed the terms of my loan to an ARM loan! When I was unable to pay the increase monthly payment amount, as refinancing and loan modification applications were being denied, U.S. Bank informed me in late XX/XX/XXXX/XX/XX/XXXX, the XXXX of XXXX occasions, that my home was sold at auction due to failure to pay property taxes ; by which they had law enforcement to serve me with a fraudulent eviction notice in XX/XX/XXXX that stated I had 45 days to vacate the premises. Nevertheless, prior to missing any mortgage payments, U.S. Bank representative XXXX informed me that U.S. Bank would no longer accept my payment ( s ) unless my mortgage payment was for the full " adjusted '' amount being called due as a result in an increase in property taxes. And if I wanted to be eligible for a loan modification, after refinancing was denied, along with other previous modification applications for not meeting deadlines, current application info was " stale dated '', etc., that I must stop making payments in order for the hardship application to be approved. As a result, I, XXXX XXXX XXXX, request for U.S. Bank to provide all denial letters that were previously mailed out to me prior to me missing my XXXX mortgage payment that took place approximately in XX/XX/XXXX once I was informed by U.S. Bank representative XXXX that my payments would no longer be accepted due to the " acceleration clause '' that requires the full outstanding balance to be cured after an extended period of time has elapsed and their still remains an outstanding balance that is in arrears ; thus, gave U.S. Bank the legal right to not accept any payments that was not for the full outstanding amount, as such payments would be deemed a " partial '' payment that the acceleration clause gave U.S. Bank the right to refuse! | ||||||
| 09/06/2022 | Yes |
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| Original complaint # XXXX Within the previous complaint I filed US Bank admitted ( in their written response ) they initially thought funds that were credited to my account were from the HAF Program. US Bank stated in the letter that the funds were from the loan modification ( which I was only aware of the distribution of payments/funds XX/XX/XXXX when I called to inquire. ( Please see statement from US Bank response to previous complaint ) " On XX/XX/XXXX, you spoke with an agent regarding cancelling the modification and using the HAF assistance funds to bring the account current. The agent informed you that HAF funds had been applied to your account and they would attempt to cancel your modification. Upon further review, we determined the funds that were applied to your account were the result of the loan modification, not HAF funds. '' I was not aware of the funds being applied because of the loan modification and not HAF ; therefore I received incorrect information pertaining to my account. The account is current because I also had to make a payment with the loan modification. US Bank also failed to include in their response that I applied several times beginning XX/XX/XXXX until XX/XX/XXXX ( denied several times and received incorrect information from US Bank representatives ) for a loan modification with the same information that was used to complete the last request ( XX/XX/XXXX ) for a loan modification. This process alone was extremely stressful due to the COVID pandemic as well as financially due to the hardships I experienced. I also forwarded my HAF Award Letter on XX/XX/XXXX as well as called several times in reference to US Bank receiving the letter. From my understanding the award letter could be forwarded to the lender as a correspondence to show the customers award amounts. I also forwarded the letter which clearly show forward payments for 18 months. The loan modification was completed on XX/XX/XXXX which is after the award letter was sent via email. The funds for the past due balance were sent back because US Bank purposely waited until the timeframe to cancel the loan modification had passed. I'm still unsure if my forward payments will be applied to my account once they are received from HAF. I have attached the HAF Award Letters ( which was sent to the XXXX email address ) as well as my initial mortgage assistance application and hardship dated XX/XX/XXXX ; which is the time I initially requested assistance to bring my account current | ||||||
| 05/16/2019 | Yes |
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| XX/XX/2019 VISA Credit Card Statement from XXXX Bank ( XX/XX/2019 - XX/XX/2019 ) included ( 4 ) separate fraudulent charges from XXXX. Transactions dated XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, totaling {$500.00}. XXXX VISA Cardmember Services on XXXX of fraudulent charges, card was canceled and new card sent to office. VISA XXXX XXXX # XXXX. Notified XXXX XXXX regarding fraudulent charges ( XXXX XXXX XXXX XXXX # XXXX ). Requested info sent from XXXX XXXX for charges. Received ( 4 ) receipts for online purchases from XXXX XXXX. VISA Cardmember Services provided credit for fraudulent charges on XX/XX/2019 then reversed credits on XX/XX/2019. Called VISA Cardmember services regarding reversal and they stated the reason behind refusing to refund the charges was due to them being from " a company that we have made other purchases from. '' We are a small construction business located in the XXXX, Washington area. While we do make many purchases with the physical XXXX XXXX stores this credit card is not associated with any homedepot.com account, nor have any purchases ever been made on the online store. VISA Cardmember Services was notified that we disagree with the refusal to refund the charges and the case was sent to a " Case Processor '' with XXXX XXXX ( XXXX XXXX XXXX ). After ( 1 ) month the case processor reached out to me and requested the XXXX XXXX receipts which were then emailed to the case processor. After another month of trying to reach the case processor for a status an email was received that notified me that unless there was additional information the refusal to credit the fraudulent charges would remain. The case processor was then contacted on the phone and asked what information that they would need in order to change the denial of the fraud charges. XXXX mentioned that something from XXXX XXXX showing the shipping addresses or contact information " may assist. '' XXXX XXXX was contacted again on XX/XX/2019 and asked to provide a letter/email with screenshots or information showing the ( 4 ) different charges which were ( confirmed verbally with XXXX XXXX support ) purchased under ( 4 ) different contact names/phones and sent to ( 4 ) different addresses across the United States ( None of which are located in the XXXX, WA area ). XXXX XXXX stated they could not provide any hard copy information other than the receipts and could only report this information verbally over the phone. | ||||||
| 09/03/2015 | Yes |
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| I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. Just want to know my rights. What they done was crippled my dignity and dreams. | ||||||
| 02/07/2016 | Yes |
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| I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help. | ||||||
| 08/28/2023 | Yes |
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| XX/XX/XXXX US Bank forced deposited my sons auxiliary benefits into my frozen account going through closure 2 days after the settlement date. Then continued to withhold those funds for 29 days. Violating 31 cfr part 210 and nacha regulations. The funds were suppose to be returned under return code R16 Account frozen. I called on the settlement date of XX/XX/XXXX and was told they would be rejected and processed Friday morning ( XX/XX/XXXX ) but were force deposited into my account. US Bank continued to withhold the funds in my account which are entirely my sons auxiliary benefits in the amount of {$780.00}. I was not notified why my funds were being withheld other then my account is going through closure. Us bank would not allow me to withdraw the funds by any means or close the account myself over the phone or via branch. I was told I would receive a check in the mail with the funds when the account closed. XX/XX/XXXX I get a text message from US Bank stating there was a withdrawal in the amount of {$780.00} from my account. I contacted us bank to see if they had sent out the check and if I could get a tracking number. I was then informed they withdrew my sons auxiliary benefits and sent them to XXXX collection agency to offset on my closed account ending in XXXX that was closed, charged off and now with a collection agency in XX/XX/2023. US bank was well aware that these were my sons benefits. I do not understand how my son can be forced to pay a debt he doesnt owe or has anything to do with my son. I also do not understand how his benefits can be withdrawn from my account and then sent to a 3rd party? US bank refuses to refund my sons benefits to me or even to send them back to SSA. XX/XX/XXXX I received a letter from XXXX collection agency thanking me for my payment in the amount of {$780.00} and I still have a balance of {$62.00}. This money was forced into my account when I was told it would be sent back, then withheld from me for 29 days and now basically stolen right out from under me to pay a debt that isnt my sons debt. This whole situation has been extremely stressful and frustrating. I have a $ XXXX monthly income to pay bills and provide for my children and US bank has held onto {$800.00} of that for over a month now causing my electric and water to be shut off and I wasnt able to get my son school supplies he needed or pay his XXXX XXXX insurance for his XXXX that now has lapsed. I need this money back ASAP either returned to me or to SSA. | ||||||
| 06/11/2015 | Yes |
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| I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. !. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome. | ||||||
| 06/09/2016 | Yes |
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| I have a XXXX XXXX Rewards Visa card, issued by U.S. Bank on XXXX/XXXX/16. I filed a complaint ( # XXXX ) previously with the Consumer Financial Protection Bureau with regard to the incorrect assignment of reward points for XXXX In-Store transactions. Due to a computer programming error, the XXXX transactions were treated as though they were Out-of-Store transactions, resulting in XXXX fewer points earned during the XX/XX/XXXX statement period. The prior complaint has been resolved, and my XXXX 2016 Statement shows a " Rewards Adjustment '' of XXXX points. The Rewards Adjustment notation is listed on the statement, under the heading " Points Earned ''. The current complaint addresses a XXXX-point discrepancy regarding the # of Points Earned Year to Date. According to my XXXX 2016 Statement, I have XXXX Points Earned Year to Date. However, the U.S. Bank website shows a different value : XXXX Points Earned Year to Date. Let me describe where I see XXXX Points Earned Year to Date. Online, the screen titled " Rewards Center '' contains information about rewards. This information is positioned within a section titled " View and Redeem Rewards ''. Within the section " View and Redeem Rewards '', there is a more specific area titled " Rewards Details ''. It is there -- within the area " Rewards Details '' -- where I see XXXX Points Earned Year to Date. By using a simple mathematical calculation -- XXXX points ( on statement ) minus XXXX points ( online ) equals XXXX points -- a person can easily conclude that the XXXX-point discrepancy could be attributed to a computer programming error. Perhaps the computer system that conveys information online was not programmed to recognize a " Rewards Adjustment '' as being equivalent to " Points Earned ''. The XXXX-point disparity has an effect on whether I will receive my first XXXX Rewards Certificate. XXXX/U.S. Bank exchange XXXX earned points for XXXX Certificate ( worth {$5.00} ). If XXXX/U.S. Bank rely on the statement-generated computer system to determine if I meet the requirement ( XXXX earned points ), I would receive a Certificate. But, if they use the online-reporting computer system to determine if I meet the requirement, I would not receive a Certificate. XXXX/U.S. Bank need to reconcile the XXXX-point disparity as soon as possible. In my opinion, it is inappropriate and misleading to use the same descriptor ( i.e., Points Earned Year to Date ) for XXXX numbers that are not identical ( i.e., XXXX, XXXX ). | ||||||
| 06/02/2015 | Yes |
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| XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home. | ||||||
| 05/13/2020 | Yes |
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| I contacted US Bank in XXXX in regards about removing my PMI and all I was told was an appraisal needed to be completed. I was in the process of refinancing my home, which an appraisal was ordered by a third-party. For personal financial reasons I decided to not refinance and but instead have only my PMI removed. Beginning in XXXX I began contacting US and spoke with several different people, was told my calls/emails would be returned, to which they never were. I continued to have to call and wait on hold and explain my situation to every new person I spoke with. The first week of XXXX I finally received a letter regarding how to remove PMI a month and half after my original request, and it did not include the information I was originally told when I first called in XXXX. I contacted the local branch in my area and they too said someone would call me, no one ever did. US Bank is refusing to remove my PMI even though my appraisal states the requirements for PMI removal have been met my house appraised over {$30000.00} the amount US Bank required. As a customer that has never missed a payment, this customer service is unacceptable. In addition, each time I called I was told I could easily have the PMI removed by either paying {$20000.00} or refinancing, neither of which is in my best interest for personal financial reasons. Removing my PMI would no longer give money to US Bank, which I why I assume they are making this process so difficult. Below is a timeline of all my attempts to resolve this issue with US Bank. Mid-XXXX 2020 Contacted US Bank about removing PMI and was told all I would need was an appraisal. XX/XX/2020 Called again and was told a letter was sent on XX/XX/XXXX ( from my call in mid-XXXX ) but I had still not received the letter. I was told the PMI would not be removed even though my house appraised well over what was required. XX/XX/2020 Sent follow-up email about appraisal and received no response. XX/XX/2020 Contacted US Bank again and was told a Supervisor, XXXX XXXX ( XXXX ) would call me on the XXXX or XXXX. No call was received. XX/XX/2020 Contacted a local US Bank branch was told I should just refinance ( again ) and a supervisor would call me. No call was received. XX/XX/XXXX Finally received PMI letter XX/XX/XXXX Contacted US Bank again and was told my appraisal was rejected by a vendor they use and my house appraised {$30000.00} over their required value. My PMI is {$72.00} a month and US Bank refuses to work with me. Why? | ||||||
| 07/15/2023 | Yes |
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| On XX/XX/2023 I XXXX XXXX website looking for XXXX hotel rooms in XXXX XXXX South Dakota. A deal popped up which advertises XXXX rooms for {$300.00}. I proceeded to put my information in including my debit card number, name, email address etc. After that, at the bottom of the page there was the breakdown of cost including over {$600.00} dollars in fees. So I went to exit the website and the reservation submitted on its own. I never entered submit, and I never entered an otp code or anything. I logged into my bank account and saw the total of XXXX pending. I also Received reservation confirmation email and chose the cancel option, page indicated that it was canceled but non refundable. I then Called the companies customer service number to tell them what happened, and they told me they have my information and its non refundable and theres nothing I can do. Then I called my banks fraud department and spoke to customer service and they told me that they cant stop the transaction and its pending and can file a fraud claim after it posts. After this all happened we went to the website for the reservation and the website doesnt exist. I submitted my fraud claim on XX/XX/2023. I was told that I would get paperwork in the mail to follow up. They didnt send the paperwork until the XXXX and I submitted the paperwork both by fax and mail on the XXXX. I received provisional credit from USBank and then XXXX weeks later they took it back. They claimed that I had submitted a dispute not a fraud claim and that the merchant stated that I knew that their cancellations were non refundable at the time that I submitted it. The problem is that I never submitted it. The website is designed to force your transaction to go through. I x-ed out of the website and never entered any submit button or XXXX code and the transaction still went through. When I called the bank I intended to file a fraud claim, and mentioned such multiple times on the phone, and the bank did a dispute instead, regardless of the fact that I stated multiple times that I wanted to file a fraud claim. I am now our {$910.00} for a transaction that I did not authorize. Furthermore upon deeper investigation, I called the XXXX location that they claimed to make a reservation with, and there was never a reservation or cancellation on their system for me, which I believe is further indication that this company is fraudulent and fake. My reservation confirmation email came from XXXX which isnt even an existing website. | ||||||
| 01/05/2022 | Yes |
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| We refinanced our mortgage back on XX/XX/XXXX with XXXX XXXX. The loan services than was switched to US Bank. The school taxes on this property were due by XX/XX/XXXX. When the loan closed, they collected 13 months of school taxes that went into the escrow account. The loan was Transferred to US bank prior to the first payment date of XX/XX/XXXX and with that, all of the escrow money was transferred to US bank to pay the taxes. At the end of XXXX, we received a delinquent tax notice with a penalty of over {$700.00}. They never paid the taxes since XXXX and I started reaching out to the tax department starting XXXX. I spoke with a XXXX, XXXX, XXXX, XXXX on the phone and emailed the tax department multiple times and they never responded by email. On the phone I was told on four separate occasions that a manager would call me and my husband back and they never did. I was told a check was mailed on the XXXX but they could give me no confirmation. This has been going on for a month until finally today I called again sat on the phone for almost 2 hours because I refused to accept a callback because I knew it was a lie. Finally a XXXX who said she was a supervisor in tax escalation told me that she too could not give me any proof of payment and it was paid on the XX/XX/XXXX. She then placed me on hold again and sent me over to customer service for some reason saying they could give me proof. The customer service rep I finally reached a XXXX who said he could only give me a copy of our mortgage statement that the escrow didnt not have the money any longer. I asked him if he could give a check number or wire transfer confirmation and he informed me that she was the only person who had that information. He then called her back and after waiting another 30 minutes he told me that XXXX had the information and just didnt give it to me. He said she told him the check was post dated for XX/XX/XXXX and mailed even though they had been telling me all month it was already mailed. She lied to me or avoided my phone calls. So now they said a check was mailed the XXXX, I still have no proof and if the taxes are not paid by Friday we will have a lien placed against the property for taxes that were already paid to the bank. The bank Employees in the tax department have purposefully miss lead me through the entire month of XXXX as they still did not pay my taxes. I am at a loss for what to do at this point. Thank you for looking into this! I greatly appreciate any help! XXXX XXXX | ||||||
| 08/17/2022 | Yes |
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| XX/XX/XXXX USPS Informed Delivery confirmation showing a US Bank Billing Statement/correspondence was sent by USPS delivery to XXXX XXXX. The statement/correspondence sent to XXXX XXXX directly references a debt for a mortgage/second mortgage, under account # XXXX ( see attachment # 1 USPS Informed Delivery confirmation of mail delivery on XX/XX/XXXX ). XX/XX/XXXX Qualified Written Request delivered on XXXX by USPS Priority Mail to US Bank National from XXXX XXXX specifically requesting validation of the mortgage debt referenced by the US Bank correspondence/statements being sent by USPS delivery to XXXX XXXX ( see attachment # 2 USPS confirmation of Priority Mail delivery ). US Bank the servicer must acknowledge a request for information within five business days and respond within 30 business days. CFPB Defines a QWR : What is a Qualified Written Request ( QWR )? A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information. BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1024 [ Docket No. CFPBXXXX XXXX XXXX XXXX Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) AGENCY : Bureau of Consumer Financial Protection . ACTION : Final rule ; official interpretations. https : //files.consumerfinance.govXXXX Ths is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. | ||||||
| 01/31/2020 | Yes |
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| On XX/XX/2020 I realized I had not received nor paid a credit card invoice for the previous month. I contacted XXXX XXXX XXXX which has the XXXX Mastercard I've had for 30 years. Explained that I had not received any invoice by mail as normal but that I had managed to go online and download the invoice and was sending payment that day. This has happened maybe 2 or 3 other times over the THIRTY YEARS I've had this account. They thanked me for calling in. The next day I went to get gas and my card was declined. So I came home and called XXXX XXXX XXXX again. This would be on XX/XX/2020. I was told that the card was automatically cut off because I had not paid the previous month 's bill. Needless to say that as a 30 year customer with a credit score of right at XXXX who has faithfully paid my balance in full month after month for 30 years, I was a bit unhappy. I instructed them to close the account immediately. The lady wanted to read me a long disclaimer. I declined and told her that I wasn't interested in their disclaimer. I simply wanted my account closed and hung up. Today I went online and noticed that XXXX XXXX XXXX was still allowing merchants with my card on file to run recurring charges through on my account. One or two had not been contacted by me. All the others had been and provided the new card information. So I called XXXX back and again instructed them to close the account today, XX/XX/2020. I first spoke to XXXX who provided me a reference number for my call of XXXX. When I asked why my account hadn't been closed before she put me on hold and a supervisor named XXXX came on the line. She said they would not close my account until I listened to their disclaimers. She said I was required to do so by law. I told her I seriously doubted the law required ME to listen to their disclaimers. If the law did require anything, it required them to deliver the disclaimers. XXXX then asked me if I had my credit card agreement. I don't normally keep them as they change them at will and it isn't like it is a negotiation, is it? It is totally one-sided to protect them. She said she would have one mailed to me. I asked it that contained the required disclaimer I was requesting in writing. She danced around the issue and would never answer whether it had the disclaimer or not. She said once I got the card agreement I could read it and call back in to have my account closed. I told her I would not do that. I had called twice to request the account be closed. | ||||||
| 01/26/2016 | Yes |
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| Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law. | ||||||
| 04/20/2022 | Yes |
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| Im reaching out for some guidance and assistance with my modification. I live in XXXX Arizona, In the beginning of the Pandemic, I medical condition, I had to have XXXX and I had missed out on work. I had No incoming in! At the very start of the pandemic I was 3 months behind in my mortgage and us bank who my mortgage is through, helped with getting my mortgage Deferred. My deferment ended in XXXX, since then I been sending in modification packets, Im on my third packet. It one thing after another, I been told my packet was incomplete, because I sent in one profit and loss sheet, it should have been 3 separate profit and loss sheet for each month. then because my hardship letter didnt state when my hardship ended, but I did show my paystubs from working two jobs. They asked if I owned the business or self employed, because one company I work for dont take out Texas . I had to explain that and get a letter from the company explaining why! The company explained Im hired as a independent XXXX and its my responsibility to pay my Texas quarterly or yearly, the company dont take out it out. Now as of Friday I received an email stating that I didnt sign and date my profit and loss sheet. In the same email, it stated I needed the current loss and profit sheet. Ive created new profit and loss sheets from XXXX to XXXX and I also sent the old profit and loss sheets from XXXX to XXXX, I signed and dates them all to be safe. I called customer service to ensure thats all was needed and they Assured me that that was all needed. I call Us bank a couple times a week just make sure Im doing my part. I feel like every time I speak to a customer service rep, Im told slightly different information. I also received a letter from the Foreclosure attorney, stating I need to pay the total amount owed by XXXX XXXX With a cashiers check, if I cant do that, they Will proceed with the foreclosure. I contact the foreclosure attorney and they stated to me verbally that because US Bank is still reviewing my packet that the foreclosure is on hold until US Bank make a decision. I live in my home and I would like to keep my home! The banker thats assigned to me, I have never spoken to them, and assigned to someone new and havent had the opportunity to speak to him as well. Im not sure if Im Comprehending properly or theyre not explaining to me clearly. I understand the modification may reduce my mortgage paymentI need some help and Im in desperate need of assistance, please please help me. | ||||||
| 10/27/2020 | Yes |
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| Thank you in advance for your help. On XX/XX/XXXX, when I attempted to withdraw cash from ATM, I noticed there was {$4000.00} discrepancy in my balance on my Pennsylvania US Bank Reliacard, which was issued to me in XXXX when I applied for Unemployment. I immediately called US Bank to report this. I was told there were 2 unauthorized fraudulent transactions of {$2000.00}, electronically transferred from this card to a personal checking account, which was obviously not done by me. I was told a fraud investigation would start immediately. I was told the card would be inactivated immediately, and it was. A new card was sent to me ( {$15.00} charged to me to have it send overnight ) I activated the new card, which was used just a few times. A few days later, I received a letter in the mail from USBankReliacard. It said " Thank you for the change of address. It has been updated in our records '' I have NEVER changed my address. I have been living here since XX/XX/XXXX. When I called them, I was told " Don't worry about that letter, it is computer generated, means nothing ''. Shortly thereafter, I went to use my card, and it was declined. I called them again, and was told " A red flag was placed on your new card, the money on the card is on hold '' When I asked why, I was told " due to the address change ''. I have been calling them daily, have faxed numerous documents to them several times. These documents include Drivers License, W2, pay stubs, etc. They have received everything they asked for, verified on the phone with me. As of this date, XX/XX/XXXX, this money is still on hold. Every time I call, I get a different person on the phone, with different instructions, different fax #, different stories. I spend countless hours just trying to resolve the hold on the money. They also hang up on me, without even speaking to me, due to the extreme amount of calls they are getting. I was told that there are 12,000 cards on hold right now, just in PA, due to the amount of fraud that is going on! Please help me as soon as you can. I have no money at all. I am sure there are many, many other people in the same situation. It is very sad. I am unable to pay any bills, such as rent, car payment, car insurance, utilities, etc. I do realize the fraud investigation can take up to 45 days. When I talk to Customer Service, I am told that is a separate issue. I was also told that I would receive updates concerning the investigation, and have not received anything. | ||||||
| 06/11/2015 | Yes |
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| I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions. | ||||||
| 04/30/2022 | Yes |
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| On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''. | ||||||
| 10/07/2016 | Yes |
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| First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working XXXX jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has XXXX. I recently under went XXXX to XXXX am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request and they did say we were eligible for the loss mitigation program and after 5 months of waiting they sent us a letter denying our request as we did not qualify. This is ridiculous. All we want is to lower our mortgage payment by refinancing so we can get a lower interest rate. They refuse to help us. They basically told us we need to stop making payments to get their help. Why on earth would be ruin our credit when we have worked so hard to restore it after having to file bankruptcy back in XXXX? We can not get a loan anywhere else due to the fact our current mortgage is way over the value of the home. US Bank approved our loan back in XXXX for {$260000.00} based on a bogus appraisel done by XXXX. Our house was never worth {$260000.00} especially when we purchased it originally in XXXX for {$150000.00} ( this was a brand new construction home ). US Bank did do a drive by appraisel on XXXX/XXXX/XXXX and appraised it at {$180000.00} that is a far cry from {$260000.00}. We still owe {$230000.00} on the mortgage so we are basically SOL going anywhere else to refinance. This has been a total nightmare since we started this process back in XXXX. We are at our wits end with US Bank. What gets me is they can go and spend XXXX XXXX dollars on a new football stadium, but they refuse to help us. This is why people do crazy things that they normally would n't do. Another thing is there customer service sucks! They are absolutely no help and no one has a clue what the other one is doing or has done. I know we are not the only customers of US Bank with issues, I have read hundreds and hundreds of complaints about US Bank. Someone needs to stand up to them and hold them accountable for approving bogus loans. We are now at the point of just turning the home over to US Bank and let them deal with trying to get {$230000.00} for it. We are fed up with US Bank and their shenanigans!! | ||||||
| 12/10/2022 | Yes |
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| This is regarding a complaint I filed with US Bank Reliacard and the CFPB many times. The last complaint number was XXXX. As of today, US Bank Reliacard has still not refunded the money taken from my stolen government issued XXXX Bank card. I provided ample evidence that I was no where near the location of the purchases or ATM withdraws, including my precise GPS location. I have a sworn affidavit statement by another individual testifying that I was with them and no where near the area of the purchases or withdrawals. I proved without a doubt these were not my transactions. US Bank Reliacard still refused to pay. As of today, US Bank Reliacard has not yet provided me with the documents used in making their determination. Nothing. You can see that a monthly statement was provided by US Bank Reliacard, and this was what they claim to have based their decision on, however, this statement does not prove our even highlight what the decision was based on. There is no evidence within the monthly statement to support their denial. There is no evidence to support their claim that i benefited from the transactions. They claimed a pattern of use was a reason for their denial. There can not be a pattern of use established for the ATM withdraws that occurred at the XXXX Kansas XXXX XXXX because I do not use the credit union, Therefore the only pattern possible is the pattern of non use. My withdrawing occurs at the XXXX XXXX Bank. If the withdraw did not occur at the XXXX XXXX Bank only. Then it was not my withdrawal. There is great evidence to support my claims and none to support XXXX Banks claim. The fact that they still have not provided any actual evidence to support their claims in this long amount of time indicates to me that they have no evidence still. US Bank Reliacard advised that this matter is an issue to be resolved by the Kansas Department XXXX XXXX. It is not. I contacted the department of labor and they told me that " once the deposit is made to the card, the funds are no longer their jurisdiction. The fault lies with US Bank Reliacard. '' I am awaiting a written statement from the XXXX to provide you as proof of what they told me. I will get it to you as soon as it arrives here. US Bank Reliacard is bound by our customer agreement and is solely responsible for the remittance of my missing funds occurring from the theft of my XXXX government issued payroll card. They have an obligation to fulfill. I want my full dispute paid to me immediately. | ||||||
| 03/19/2018 | Yes |
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Web | Older American |
| US Bank Debit Card funds ( {$23.00} and {$32.00} ) were withdrawn by US Bank on Monday, XX/XX/XXXX by immediate electronic transfer to XXXX. Saturday, XX/XX/XXXX XXXX refunded these withdraws {$23.00} transaction id XXXX and {$32.00} transaction id XXXX. Monday, XX/XX/XXXX, US Bank debit card account did not reflect refunded transactions on my debit card account. Monday, XX/XX/XXXX, I called US Bank to be it is their policy to hold refunds for 15 days. I asked to speak with a supervisor who was obstinate refusing to even confirm for me that the US Bank had indeed received transactions cited above from XXXX. Tuesday, XX/XX/XXXX, I called XXXX Customer Service requesting email confirmation of transactions. XXXX issued at XXXX XXXX email confirming refund transactions cited above. Wednesday, XX/XX/XXXX XXXX XXXX USBank did not reflect refunds on my USBank Debit card. At XXXXXXXX XXXX I returned call to US Bank to speak with their Customer Service Supervisor speaking for 1 hour, 3 min, 27 seconds regarding this situation. US Bank Customer Service AND that person 's Supervisor refused to even confirm, again that these refunds even were received. Both stood firm they hold refunds for 15 days. In my nearly 2 years with US Bank debit card, refunded monies from XXXX were ALWAYS refunded to my debit card. I pleaded with US bank that I am a senior on social security income, fixed income and need funds refunded me made available to buy medication, food. I asked " why '' XXXX transaction was IMMEDIATELY electronically withdrawn from my US Bank Debit Card but that refunded XXXX transactions are being HELD from my use. I was told by both US Bank Customer Service agent and supervisor no more than that is their right to do. This is, in my opinion, unconscionable for any bank 's debit card monies be withheld from the customer 's right to use when transactions of refunded monies to US Bank were issued by XXXX 4 days prior. As of this writing, Monday, XX/XX/XXXX XXXX XXXX, US Bank " continues '' to hold monies refunded to me. US Bank debit card Customers deserve honesty, a dedicated intent to resolve monetary matters as well as accountability with consistent banking actions. I file this complaint as holding anyone 's money for 1/2 month is damaging to me and all citizens relying on fixed ( social security ) income. US Bank is holding my direly needed refund from XXXX with no answer why other than it is their right to do. Respectfully Submitted, XXXX XXXX XXXX, XXXX. | ||||||
| 08/21/2017 | Yes |
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| Reason : 1. Get U.S. Bank written approval letter for purchase gift card on XXXX XXXX. The account was closed on XXXX because I purchase gift card. Request : The U.S. Bank ( the Bank ) has closed my credit card account because " excessive or patterned purchases of cash equivalent '' in Cardmember Agreement, but the define of " excessive or patterned '' are not clearly stated. A large number of account closed cases indication that the Bank is not ready to issue high return rate credit card, but they ca n't change terms in first year because law prohibit, so it looks the Bank try to using fuzzy Cardmember Agreement terms to evade its own legal responsibility and fraudulent to user deserved Rewards, these term allow the Bank can arbitrarily close the account and refuse to pay any of legal customer rewards. For example, they can say {$1.00} is " excessive '' amount, so close the account. Moreover, for a frequency business travel in between of two city, the ticket full price always same, so they can say it is " patterned '' Futher, the maximum amount of gift card is {$500.00}, so if user necessary totally {$1000.00} gift card, the user have to split purchase into two of {$500.00}, they also can say it " patterned ''. If you wanted, we can find more similar scenario. In my case, my business trip need booking over {$3000.00} tickets per month, so I think {$2000.00} is not a large amount for my personal business travel ( please remember, the Bank give my {$21000.00} credit limit ). For avoid risk, I contact the Bank customer services to explain why and how to use these gift card in before more purchase, the Bank written approved these gift card purchase, but the Bank suddenly closed my account after I purchase gift card. I am heared many similar stories in near days ( for example, my friend 's account was closed because he purchase a XXXX {$2000.00} laptop with his U.S. Bank credit card ). I was request them answer above details by help OCC help in XXXX, but the Bank are arrogant not to answer, the Bank simple response as " decision was unchange '', I have reason to believe that the Bank did not read the above questions before response to OCC. I would like request CFPB to review these Cardmember Agreement to save more victims, and I also want the Bank to release explain the specific definition of " excessive or patterned '' ( and all of fuzzy terms ) to the publlic field, and also mail it to every customer to avoid the Bank abuse on Cardmember Agreement. | ||||||
| 08/25/2016 | Yes |
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Web | Older American |
| XXXX XXXX, 2016 US Bank XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir, You are threatening me with being blacklisted with XXXX. This will prevent me from obtaining a bank account with 80 % to 90 % of the banks in the United States for 7 years which will be further victimization of me by US Bank. I will be XXXX XXXX XXXX before I can obtain a bank account. You do this to me for circumstances beyond my control! US Bank told me online that {$5000.00} was available so I withdrew it. I had no prior knowledge that the check was no good. This looks like entrapment. Bait and switch! I have talked to the Fraud XXXX at XXXX and the XXXX XXXX XXXX at XXXX and they will not listen to a thing I have to say. They just emphasize and re-emphasize the fact that my account is closed and " It will not be reopened ''! " This decision is final and I will cut you off if you keep talking ''! The bank has no sympathy, empathy, compassion, or mercy in this case. It is the XXXX XXXX " Guilty until proven innocent ''. Only there is no innocent in this case only guilt! Fraud means intent to deceive using false pretenses. Well show me my false pretenses please? Fraud is a felony depending on the amount of the funds involved I do believe. It is my understanding that intent has to be proven. Where is the intent in this case? Why is the bank so abruptly cold, hard, harsh, and draconian? It is as if I was trying to rob the bank by design. Is this how you treat all of your customers when activities beyond their control take place? I am being treated like a criminal through no fault of my own. Now my VA pension deposits will not be in my hands until the end of XXXX, if not later, because you have frozen my account and I can not have access to these funds which are Federal Property until they are in my hands. Granted you will take out sufficient funds to pay the overdraft this is a given. Why am I being criminalized by the bank for the actions of another? I am a poor XXXX XXXX XXXX with a leg missing and living on a fixed income. This action on the part of the bank is shocking to say the least. The US Bank is telling me I have no recourse. Perhaps I should post this on XXXX and call the local TV stations? I was victimized by the depositor and now I am further victimized by the bank. I did not sign up for this treatment. I have acted in good faith ; the depositor did not, for an unknown reason. Now the US Bank is acting in bad faith! | ||||||
| 12/30/2015 | Yes |
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Web | Older American |
| On XXXX/XXXX/XXXX my US Bank checking account became had a balance of {$14.00} and was not sufficient to cover a debit purchase of {$16.00}. US Bank chose to pay the item and then charged my account {$35.00} Overdraft and also multiple returned check fees. Because of the multiple overdrafts fee, continuous overdraft fees, they accumulated to over {$500.00}. The account was closed XXXX/XXXX/XXXX and transferred to the US Bank Recovery Dept for Collection The account was sold to XXXX XXXX XXXX XXXX/XXXX/XXXX. This collection company increased the amount to {$750.00}. I received threatening letters from this collection agency and contacted XXXX legal services who gave me a template letter to send ( and is attached ) to stop the 3rd part collection agency from harassing me. The harassment started up again XXXX or XXXX XXXX and I filed a complain with the Consumer Financial Protection Bureau. I thought the problem had been resolved, but another collection agency started up again calling me and threatening me with serving me with papers when the debt was clearly too old to collect. This agency has contact my son, XXXX XXXX, several times in the past two years, has contacted my son 's friends, XXXX XXXX, causing me extreme emotional stress, and has contacted me in a deceptive manner trying to get information. Some of the tactics they used was saying they were the XXXX XXXX XXXX XXXX and they had a {$16.00} refund to mail to me and wanted my address. I gave them my son 's address in MN, that is how they started harassing him. Then about two weeks ago I received a call from someone saying they had a delivery from a company I never heard of. I was suspicious. I looked up their phone number and it was this collection agency in California. They are very deceptive and threatening and pretend they are lawyers. They have several names. XXXX I call I got from XXXX XXXX, XXXX. I called the number and I got XXXX XXXX who said they were XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA XXXX. I asked for an attorney 's name and Bar number and he said there were so many attorney 's he could help me. Another time I called I asked for the same information and someone named XXXX XXXX told me there were no attorneys there and the name of the firm was XXXX XXXX XXXX. My son received a call from XXXX XXXX XXXX, XXXX, XXXX and again from XXXX XXXX XXXX XXXX XXXX. This is all in writing in text on his phone. XXXX XXXX his friend received a text on his phone XXXX XXXX, XXXX. | ||||||
| 06/28/2023 | Yes |
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| My complaint is against US bank and how they mishandled a stop payment which caused a {$2000.00} deduction from my account. I scheduled a payment through an App with XXXX XXXX on XX/XX/23 and when I entered to submit the application it did not return a 'correct ' to check for accuracy but took out two payments totaling {$1300.00} for the month of XXXX and XXXX. I was attempting to only submit one payment in the amount of {$660.00}. XXXX XXXX stated that I would need to call my bank to stop the payment so I called US bank to stop the payment and they said as long as the payment is not pending they should be able to stop the payment. The first representative I spoke to said that I would need to cancel my debit card to stop the transaction from going through. So, the debit card was stopped and I had to go to a branch to pick up a temporary card. I was never asked by the representative if it was through the checking account or was it a debit card transaction. The account was set up through a checking account number. The representative ; XXXX XXXX did not ask if a bank account vs a debit card was used. Because he cancelled the card I had to walk into a branch to retrieve a temporary card and this did little to resolve the situation. A stop payment should have been offered. So, I called the bank a 2nd time and explained that XXXX XXXX had cancelled my card which would not stop any transactions from coming through. I then called back and spoke with a representative who put through a formal stop payment and was told that as long as the amount was not pending I would not have any issues with the amount of {$1300.00} posting. On XX/XX/23, the amount posted to my account. This has caused a great deal of stress, inconvenience and monies that are now coming out of my account and US bank is not taking responsibility for the role they played. I also show that the stop payment was cancelled by them and the monies where taken from my account. The bank is maintaining that the {$1300.00} was posted because they were unable to catch it but I believe it was their error because the stop payment was cancelled ( see uploaded image ), the bank will not admit that it was there error. The account statement showed that the original amount of {$1300.00} was removed and upon inspection of my statement/online account today I show that the {$1300.00} posted. Not only am I out of {$2000.00}, but am now told that the bank may take up to 30 days to return the money to my account. | ||||||
| 04/16/2022 | Yes |
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| In XX/XX/XXXX, I cahsed out a check {$3100.00} my friend gave to me one month ago at US bank XXXX XXXX and the check was bounced ( my friend forgot about the check ). I went to the same branch fixed it right away by depositing some cash and a new check XXXX given by the same friend and he was apologetic. I was told to wait meanwhile my account was on hold. The branch was trying to fix it with me to save my account telling me it should be fine by the next week. Weeks later, my account was under closure after I called the customer service. Meanwhile I emailed my account manager from the branch where I opened my account, US bank XXXX XXXX XXXX, in XXXX LA, and informed him about what happened and asked him to help me keep my account. I got no response. So I emailed the manager XXXX XXXX for help and no response. I had a direct deposit to this account for about {$900.00}, and I called the XXXX branch and I was told that if my account is closed and I should get a check fromt he bank after they close my account. It's been more than 2 months I've been waiting, a few weeks ago I called the XXXX branch again and they didn't see the check mailing out, so they asked me to contact my branch manager, XXXX XXXX. So I called XXXX branch and asked for XXXX XXXX 3 times and I was on hold for average 12 min on the phone and no response. So I rang XXXX XXXX XXXX asking for help cause I had not got any responses after I left him a few voice messages and emails. XXXX XXXX XXXX told me on the phone that my case went to fraud department and it was out of his hands, and I was asking which number I could call or any department I should contact about my check. He told me to get back to me and never did, I emailed him one last time in XXXX XXXX for the number he was going to give to me and no response. It's been 2.5 months and quite frustrating when no one respond, no one cares. I determined to close my account when dealing with a bank like this. I am still a credit card holder of this bank and the way they treat this case and their customer is just unreasonable and rude. I don't know why they keep ignoring this when the help is needed. Right now I intend to get my money back, since that's how they treat the customers, I would never have any business with a company like this, it is obsurd. Please help me to get them respond and send me my money remained in that account. 2.5 months, no responses, no explainations whatsoever. I don't know what they are doing, such a shame. | ||||||
| 08/21/2019 | Yes |
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| On XX/XX/2019 I saw a deal for a XXXX XXXX bundle for {$320.00} and made a purchase of for a total of {$330.00} from XXXX. I was prompted to us XXXX XXXX transfer for my purchase which I ended doing because it was a company affiliated with my Bank, US Bank, and a large number of other notable banks which made me think this process wasn't risky like giving your credit card out online for example. Right after I realized I had been scammed, I initially tried to request the money back through XXXX which ended with the seller declining my request a few days later after they had deleted the site. Also a day or so after I made the request, I called XXXX to see what they could do, but I only got a recorded response to go seek out my Bank which I ended up doing. I contacted my US Bank to see what they can do to help me, and was told to file a fraud dispute in which I explained what had happened and stressed the fact that I had been scammed and actions needed to be taken quickly before what I feared would happen would happen. I did not get a response back from US Bank until it was too late and over a week later the site had closed and disappeared from existence. I later got a letter with a line that read : My dispute has been dropped due to the seller receiving payment., which I read as saying my dispute has been dropped because the scammer collected the money. I tried calling US Bank for clarity and was told that the fraud dispute was declined because XXXX declined the request to get the money back. I was also told that this type of occurrence/scam is very common, and they hear a multitude of complaints regarding this problem and that there is nothing I can do to get my money back. Why is this a problem US Bank and XXXX has? If this is a common occurrence, and many people are troubled by it, why isn't anything being done to prevent it. By not fixing the problem, the two companies are essentially leaving the door open for scammers to utilize this method. If its broken fix it which is something not being done since all they have in place is a are you sure you want to make this transfer pop up. When you type in XXXX scam or XXXX fraud into the XXXX search engine you will find several articles about XXXX scams and nowhere will you find info from XXXX regarding scams and fraud, something that should be there base on the type of business being conducted. Why is XXXX not approaching the topic of scams and fraud when it is their company that is being exploited. | ||||||
| 05/18/2017 | Yes |
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Web | Older American |
| My wife and I are elderly retired people that survive on our social security income only. I had XXXX XXXX XXXX in XXXX and could not work any longer as a XXXX XXXX and had to retire in XXXX . My wife was knocked down on her job about 3 years ago by a forklift and could n't go back to work as a XXXX XXXX . My wife is on Social Security XXXX as a result of this on the job accident. Our combined Social Security checks are not enough to pay the current the mortgage amount which we paid on time every month on time until last year. We requested modification of the mortgage from our lender, US Bank and our modification request was approved late last year. We were advised that we needed to make 3 trial payments of {$830.00} in order to complete the modification. We had to leave the country for a few months so we called US Bank on XXXX / XXXX / XXXX and spoke with one of their employees, XXXX XXXX XXXX , our assigned representative. We informed XXXX XXXX that we were leaving the country for a few months and asked if we could have the trial payments automatically deducted from our bank account. We were advised that this was possible and th e 1st tria l payment was deducted from our back account via XXXX XXXX XXXX pay on XXXX / XXXX / XXXX . We were under the assumption that the remaining two trial payments would be deducted automatically. We called US Bank in XXXX XXXX to inquire why the money was not deducted from our bank account and was advised that it was not possible to automatically draft trial payments from a bank account and we needed to have made the remaining trial payments and since the remaining payments were not received, loan modification was cancelled. We appealed this decision on the grounds that we not properly advised by XXXX XXXX and we have proof that the money was in our bank account waiting to be deducted. We were advised that there is nothing that could be done and to re-apply for modification. We followed their instruction and re-applied for modification a second time but our request was recently denied stating that we are now not able to afford the mortgage since we owe more money now, we are 11 months behind on the mortgage. This is unfair and we disagree with this decision when are in this position because their employee gave us incorrect information. Attached is the appeal letter we sent to US Bank challenging the denial of the re-modification of the our mortgage. | ||||||
| 04/29/2015 | Yes |
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| As stated in the US Bank credit card terms and conditions a XXXX night award stay results in the XXXX night free. This is a benefit of the credit card and is available for those who pay the {$75.00} annual fee. I have been notified that this card benefit is going away in XXXX 2015. I have paid my annual renewal of {$75.00} and feel I am entitled to this stated benefit for the duration of the paid period. XXXX XXXX Visa XXXX XXXX XXXX Card Terms and Conditions : Complete terms and conditions are described in the Club XXXX Visa Cardmember Agreement and the Card Benefi t Program rules ( described inthe Benefi ts Guide ), which are provided to new cardmembers and are subject to change from time to time. XXXX Earning Points : For each dollar ( {$1.00} USD ) of eligible Net Purchases ( purchases minus credits and returns ), XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points at any XXXX hotel. For each dollar ( {$1.00} USD ) of eligible Net Purchases, XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points everywhere else Visa is accepted. XXXX Bonus Award Night : When you redeem Points for Award Nights of XXXX or more consecutive nights at the same XXXX XXXX hotel property, you will receive the last of the Award Nights of thatstay free without deduction of any Points from your XXXX XXXX account ( " Bonus Award Night '' ). Your Account must be open and in good standing. Your account must be open at time of redemptionto qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). XXXX Renewal Bonus : Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you willreceive a Renewal Bonus of XXXX Points. Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your XXXX XXXX account. XXXX XXXX reserves the right to add, modify or change the Terms of this Offer without notice. Please refer to your XXXX XXXX Visa Cardmember Agreement and the Card Benefi t Program rules as described in the Benefi ts Guide for the full terms and conditions of the Program rewards and benefi ts. The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from XXXX XXXX XXXX. XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX and U.S. Bank National Association. All Rights Reserved. | ||||||
| 01/23/2023 | Yes |
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Web | Older American |
| Since XX/XX/XXXX I have tried to close checking, credit cards and line of credit accounts with US Bank. I have tried in branch, at drive up windows and their call center ( XXXX ). I sold my house in at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and stopped using the XXXX XXXX at a neighborhood XXXX Store too as of XX/XX/XXXX. That address at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank continues to send confidential information to that XXXX XXXX that I have not used since XX/XX/XXXX. I moved permanently to Florida on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collections letter from XXXX XXXX trying to collect money from me concerning bills I never received from US Bank for fees on accounts I thought I had finally, successfully closed once again on XX/XX/XXXX via multiple calls into their call centers. That did not happen. Instead without my knowledge or authorization US Bank moved funds from a line of credit every month into the checking account I thought I closed and then added additional fees to my accounts and never send me a paper bill. On XX/XX/XXXX I wrote a written response to the collection agency with documentation showing they were attempting to collect monies not due. Next, I called into US Banks call center and opened a new request to close all accounts that request is filed under their system as XXXX. But was told I needed to call their credit card department at XXXX on that request # XXXX I may be canceled one of many credit cards I need closed but are still billing service fees on other US Bank products I thought I had closed, most recently in XX/XX/XXXX. The agent told me one of them she was unable to close. That another dept. @ XXXX handled those accounts but I would need to verify an account number that ends in XXXX of which I have no record of. Now I am concerned there are fraudulent accounts tied to my social security number and what US Bank calls my Total Business Account which seems to me some master file that I can not access all of via their web tools or with their call center agents. I am a XXXX widow living in Florida and there are no US Bank branches in Florida XXXX I need 1 person, who will be held accountable to research all their data bases and clean up my records and close the accounts I have asked them to with a XXXX balance as I have not used any of them sometimes in 5 years and others since XXXX of XXXX the last time, I thought I had closed all the accounts I needed to close. | ||||||
| 01/28/2016 | Yes |
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| I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief. | ||||||
| 05/28/2022 | Yes |
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| The following is the chronology of events. Interested in opening a consumer checking account to take advantage of up to {$500.00} of account opening bonus depending on total of direct deposits. Promotion excludes consumers who " had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years. '' I had attempted to open a consumer checking account in XX/XX/XXXX which was never officially opened due to initial account opening 's ACH funding issue. XX/XX/XXXX : As account as never funded, spoke with XXXX of Promotion Dept to confirm qualification for bonus. XXXX confirmed that I qualified for the bonus as prior account was never opened since it was never funded. She was adamant that for an account to be officially opened, it needs to be funded with a completed signature card. XX/XX/XXXX : Opened Easy Checking account and funded initial {$25.00} deposit via debit card XX/XX/XXXX : {$25.00} initial funding posted XX/XX/XXXX : Met qualification for {$500.00} bonus via two direct deposits XX/XX/XXXX : Inquired with XXXX of Relationship Banking dept about the status of bonus XX/XX/XXXX : XXXX XXXX XXXX ) left voice message saying unqualified due to account opening XX/XX/XXXX. XX/XX/XXXX : Escalated to manager ( XXXX XXXX who claimed that Bank didn't have record of my of conversation with XXXX on XX/XX/XXXX. XX/XX/XXXX : Spoke with another representative who submitted another Customer Care Unit request with full explanation of the XXXX account opening and referenced the XXXX conversation with XXXX. Representative also disclosed that Bank 's written, internal policy is to pay bonus if promised. XX/XX/XXXX : Posted via XXXX 's @ XXXX asking for assistance on the matter. XX/XX/XXXX : XXXX ( Social Media Relationship ) reached out discuss the case. He indicated that he will look for recorded conversation of my call with XXXX on XXXX. XX/XX/XXXX : XXXX called to confirmed that Bank located the recorded call with XXXX on XXXX. He stated Bank will still not pay out earned bonus even after confirming that I was assured of bonus qualification prior to account opening. He said the agent has been coached. Told him that their written internal, written policy requires payout when a customer has been promised a bonus. In summary, this case revolves around the issues of lack of proper disclosure of what constitutes " open '' account and obligation to deliver on verified promises. | ||||||
| 09/15/2023 | Yes |
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| I sold another property and my title company dispersed funds to US Bank on Monday XX/XX/XXXX from the proceeds of the saleto pay off my current HELOC balance on my primary home. Today is Friday and the loan still isn't paid down to XXXX. And probably will not be for another few days ( weekend ). The issue is on the US Bank 10-day payoff, the only options they give for payoff is to mail a check. This means that I am being charged interest every day until that loan is paid off. This is {$100.00} a day approximately. I called and spoke with XXXX today ( Friday XX/XX/XXXX ). She gave us incorrect information and suggested that the information on the payoff was correct and the only way that they could accept payment was a check being mailed. I asked to speak to a supervisor and spoke with XXXX in the XXXX office. She informed me that yes the payoff only gives the one option on their 10-day payoff. But if title only asked there are other options available. Very problematic that those options aren't clearly defined on a payoff. I let XXXX know that we asked XXXX this very question, but she gave us incorrect information and said that the only option was to mail a check. So she gave no other options. XXXX acknowledged this discrepancy and said that she will train her better. But that still does not change the fact that there isn't every option of payoff available on their 10-day payoff. And it doesn't change the fact when you call in and speak to a representative at US Bank that they are giving incorrect information. I asked XXXX if there was authority above her I could speak with. She said she was the highest authority that I could speak to. I asked if she would be crediting my account for the interest being charged. She said there would not be. I don't know what more would be a clearer definition of predatory lending than this is. That it takes 10 or so days to pay off a loan when no other options are given other than snail milling a check. So US Bank is earning extra days of interest without clearly allowing someone to pay off. This not only happened to me but I am sure this happens every day and at many other institutions. By the time the check from title is received from US Bank an additional $ XXXX {$1000.00} of interest will be collected. Policies need to be in place where a creditor allows a debtor to pay them off immediately to incur XXXX extra interest charges. I am definitely seeking reimbursement of interest charges for those extra days | ||||||
| 04/26/2021 | Yes |
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| Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations. | ||||||
| 04/02/2021 | Yes |
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| Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations. | ||||||
| 05/31/2018 | Yes |
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| I took a loan from US Bank. It was a short term loan for me but I was advised that I would have a {$100.00} penalty if I paid in less than a year which was XX/XX/XXXX. They lost my {$100.00} payment transfer in XX/XX/XXXX. It took 4 phone calls over the course of 10 days for the payment to be found however it was deducted from my checking account immediately. This was eventually resolved. I paid again in XX/XX/XXXX at which time the payment transfer was again lost. This took several calls at which time I was told the remaining {$100.00} balance of which I paid {$50.00} was a penalty for paying off early. It had never been disclosed this penalty was part of my ongoing balance. I advised them of this and that I did not want the loan closed to prevent the penalty from being charged. I requested the statements from the checking and loan accounts. I was told there would be no fees for these statements. The bank then closed my loan and kept the {$50.00}. I did not receive the loan statement so I called again. The agent advised I would be charge {$15.00} for the statement. I indicated several times during that call I was not willing to pay that fee. I received a one page statement and was charged {$15.00}. I requested both of these amounts be returned to me on several occasions and this was refused. In XX/XX/XXXX, I received a letter that US Bank was going to take a home owners insurance policy on my home based on this loan unless I provided documentation that my home was insured. When I called regarding this letter, I was told that I had to close the account in order to prevent this insurance and being charged for it. I requested the account be closed. ( Keep in mind I paid a penalty for closing the account in less than a year, even though I specifically stated that I would not close the account until the year had passed. ) The agent indicated I needed paperwork to request that or I would be charged for the homeowners insurance. I requested the paperwork which was not received within the 2 days I was told it would be sent. Two weeks later I called again. This agent indicated she could close the account over the phone. When I asked her why I would be charged for insurance when I owed no money, she said she did not know and could not investigate on a closed account. I have no idea if the account indeed did get closed, or if I will be charged for homeowners insurance that US Bank decides to take on my home. I have requested written confirmation. | ||||||
| 05/04/2023 | Yes |
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| I started the case XXXX. YOUR COMPLAINT I would like to report how US bank is cheating clients. It was advertisement that U.S. Bank will give you up to a {$600.00} cash bonus when you open a U.S. Bank Smartly Checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling {$3000.00} or more for the {$200.00} bonus, {$6000.00} or more for the {$400.00} bonus. By the way advertisement is still on the web. I followed the bank link with promised promotion, opened a checking account on XX/XX/2022 and set up a direct deposit for a total like XXXX for the first couple months. Then I figured out that I got no bonus for this. I started to call a bank and customer service representatives that I talked with told me that I am eligible and will get it soon. Last call I talked to XXXX and he spent a lot of time trying to figure out what had happened. I said that I would complain about bank cheating and He escalated this to the next level and said to me that somebody will be in contact soon. A few days later XXXX called me and said that I was supposed to have a special invitation for this bonus. This is a clear way of cheating. I followed the link, opened all required actions and the bank in XXXX said you have no invitation for a getting bonus. What is even more ridiculous is that I called like 3 times and nobody told me that. I consider that I did everything according to the procedure described in the advertisement. The bank cheating practice is not following the link of the opening account with the promotion bonus. I claim that the bonus should be paid as it was promised. The response i got is just confirmation of the scam that bank does. Here is my answer and i am looking the way to escalate the issue : Thank you for your response but you answer confirms that you are cheating clients. How could I possibly know that without an invitation letter the offer would not be valid. Moreover, I called much earlier several times, and nobody told me that. So, I would like to escalate this for the next level. I would like to report to CFPB that the Bank practice is a scam, completely unappropriated and not transparent. I believe that happened to many clients that follow your promise. They make advertisement and do not follow the rule they promise to. This is typical scam, and I will be complaining again. Such practice should be stopped because I see there a lot of advertisement of this type from US bank. | ||||||
| 07/27/2021 | Yes |
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Web | Older American |
| Exactly a year ago I applied for refinance of my current high interest mortgage with XXXX XXXX a US Bank Mortgage officer. My intent was to refinance the current 4.9 % interest to a lower 3.1 % interest Mortgage and take {$25000.00} out for remodeling. My credit is excellent and have been sending all the documents required as requested in a timely manner. However, after almost seven months delay, I was transferred to a different loan officer, XXXX XXXX who apologized for the delay and promised to complete the process within weeks. A few months passed and without any notice he transferred my file back to XXXX. In the meantime, on XX/XX/XXXX I informed XXXX, XXXX, and the processor XXXX that I have a 0 % interest 2nd loan with XXXX XXXX and sent them the subordination request form that I received from XXXX to allow them to take a 2nd position. However, this was ignored by all of them. Eventually about a month ago on XX/XX/XXXX XXXX XXXX the processor contacted me to tell me the loan is in final approval stage and informed me the loan package is set up to pay off the XXXX XXXX XXXX. I made it clear to her that my intent was not to replace 0 % interest with interest bearing loan from US bank. To refresh her memory, I resend the email that I had previously sent to all of them back in XX/XX/XXXX clarifying my intentions for applying. She apologized and informed me that despite my wishes the loan was set up that way and there was nothing that could be done to change it. Despite their negligence, she suggested that I restart the application process from scratch. I then made several attempts by phone and email to XXXX on XX/XX/XXXX attempting get explanation why the error happened and get a better understanding of what can be done moving forward to avoid the same kind of mistake from happening. It has been almost 4 weeks ; he has decided not to respond to me directly. Instead, he keeps sending me multiple confusing applications for me to sign. Despite the unprecedented delay in approving the refinance and processing cost incurred as well as high interest payment for over a year, I am still being mistreated. This has certainly been a very frustrating experience. On XX/XX/XXXX I contacted the Manager XXXX XXXX hoping offer amicable resolution. However, on XX/XX/XXXX he emailed me back saying the application was closed and his solution was to offer me the {$390.00} refund of my application fee practically denying me refinance with US Bank. | ||||||
| 01/24/2020 | Yes |
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| US BANK Credit Card No : XXXX US Bank Credit Card No : XXXX Cash Rewards Visa Card I have above cards with US Bank for last 10 years and I have been paying these cards regularly except times when I had some type of incidences on file. In past I had big fraud on my debit card and it led into many online transactions running over for months on my card in XXXX when I visited XXXX. Last year in XXXX I had frauds on my credit cards. Now seems like this is third time I have my cards misused however, this time I have lost my valet and seems like identity theft. I have one debit card and two credit cards with US Bank. Since last fraud on my credit cards early last year in XXXX, I have completely stopped using US Bank credit or debit cards. I have moved my banking to other banks and use them for primary salary deposit and all payments. The only reason US Bank cards were kept open were to keep my oldest credit history as these are my oldest cards and accounts in US. As I do not use these US Bank cards I just keep them in my secondary valet where I have other benefit cards like XXXX, XXXX XXXX and other merchant cards, etc. During one of travel last year I have lost of one bag and I didnt realize what items were lost in the bag. What I know that my valet is missing that had all my other cards and there is identity theft. In last few months, I had 3-4 times by XXXX XXXX XXXX debit card and credit cards were replaced for some suspicious activity though I have not reported fraud! To my surprise I have recently noticed payment request on US Bank cards in XXXX ( I generally dont check this ac at all as I dont use any of them ). Though not clear about request, I did paid minimum payment requested to avoid late payment and late reportings to bureaus. After this I made it a point to review my all US bank accounts in detail as soon as I get back to work after holidays. During my review I realized that there were some transactions on my both cards. I have immediately advised fraud department of US Bank to close all the cards including my debit card. My both credit cards looks compromised, debit card is not used as I dont keep any balance in this account and they may not have succeeded. But I have lost this card as well. While reporting fraud I told representative not to report late payment to credit bureau and he explained that it was already reported. He provided me these contact details to write letter to get credit bureau reportings reversed. | ||||||
| 06/20/2019 | Yes |
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| On XX/XX/2019, I made a reservation with XXXX for a total amount of {$3600.00} and paid for it with my US Bank credit card. During that transaction, I selected their enhanced Cancel for Any Reason plan for a cost of {$320.00} above what is included in the Standard insurance plan. After making the reservation, my spouse encountered medical problems and we took advice from our physician NOT TO TRAVEL. We contacted XXXX on XX/XX/19 to cancel our reservation based on doctors advice. One of their agents told us we had 2 options : ( 1 ) forfeit the entire reservation amount, or ( 2 ) accept a voucher credit but receive no money back. I then discovered that XXXX had already charged the ENTIRE AMOUNT to my credit card. I researched XXXX and found they have a history of scamming people. I immediately filed a Chargeback with US Bank to recover the money stolen from my account. On XX/XX/2019, US Bank denied my chargeback based on FALSE information XXXX gave them during the investigation. XXXX told the investigator I cancelled the reservation on XX/XX/2019, activating the Insurance Policy, but I DID NOT cancel the reservation and could not cancel the reservation because I did not communicate with them on XX/XX/2019 as they stated in their letter to the US Bank investigator. I have email proof and phone records to support this. They misled the US Bank Investigator by saying that I could rely on that program for reimbursement. In addition, XXXX states in their letter to me : if you wish to apply payment and travel This proves that their XX/XX/XXXX charge on my US Bank account was UNAUTHORIZED, premature, and illegal. On XX/XX/2019, I contacted the district manager of US Bank, XXXX XXXX ( XXXX, XXXX ), and she said to appeal the decision with XXXX XXXX ( at XXXX ). I called Ms XXXX at least 10 times from XX/XX/2019 through XX/XX/2019. Each time I called, I was told by her assistant that Ms XXXX would return my call within 48 hours, but she never did. On XX/XX/2019, I spoke with XXXX ( at XXXX ) and he said the appeal period lasts only 1 week and unfortunately the deadline has passed, but Ms XXXX has the ability to open an appeal even today. On XX/XX/2019, Ms XXXX finally called me and told me there would be no appeal because it is out of her hands. Essentially, US Bank denied me the ability to appeal and provide them with PROOF that XXXX lied to the investigator. US Bank is effectively the collection mechanism for XXXX fraudulent operation. | ||||||
| 07/14/2022 | Yes |
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| On XX/XX/22, I was victim to a check cashing scam on my bank account. My bank is with US Bank. I immediately tried speaking with someone from US Bank, I've talked to at least 15 people who give me the run around. No one will help with the account. I filed a police report, filed a scam report with the postal service, XXXX and FTC. US Bank put a hold on my accounts and will not give me access to any of my funds for over 2 weeks. I have not been able to pay any of my bills including rent, cell phone, insurance, credit card bills, buy food, gas, and groceries. My family has had to help me and my two children, on top of which, both of my children having XXXX which has prevented me from working for a week. I've tried meeting and talking to the Branch Manager in XXXX but she would not meet with me. When I finally was able to call and talk to her she stated she could not give me corporate or fraud department number but to call customer service again and try to speak with someone. She stated there was nothing she could do and was no help whatsoever. Someone else stole money and now I am being framed for it and my bank is doing nothing to help my situation or actually investigate the situation. They just closed my account and won't talk to me to get the story or situation or give me my money. I need help because I am innocent and could possibly be evicted, have my phones cut off, and lose everything I have worked for because someone else used me to scam {$1900.00} from the bank. I am completely disgusted with the bank and how much they have blatantly disregarded me the past couple weeks. I just need my account with my paycheck to be released so I can pay my bills. I did not steal any money from the bank and can prove it with no problem. I am a recently divorced single parent of two young children who works full time on XXXX and XXXX XXXX full time at XXXX XXXX to become a XXXX XXXX XXXX and I can not afford these issues. It isn't fair that me and my children are the ones suffering for someone else 's theft, fraud and forgery. After talking with the police again about the banks lack of effort in helping with the situation, the detective on the case stated I need to give all the evidence and information to the Attorney General for further help and investigation. The bank force closed my account without proper investigation. I reported the situation to XXXX XXXX XXXX reporter for XXXX XXXX XXXX XXXX and in the process of hiring an attorney. | ||||||
| 07/26/2019 | Yes |
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| My son, XXXX and I are both on this banking account at US Bank. On XX/XX/2019, XXXX attempted to withdraw {$500.00} USD on an ATM machine at the US Bank : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX No money was dispensed, and he got a message that he needed to remove his card so he did. XXXX thought there was a machine malfunction so he tried the transaction again and received message that he had reached his limit and could not withdraw funds. Online banking showed that the {$500.00} was taken out of his account. XXXX called the bank and was told that it would get figured out because the ATM machine wouldn't balance so the money would be put back into his account. However, the money was not put into his account and the complaint was closed because the bank said the ATM balanced. They then filed a fraud report, and told us to wait 10 business days for provisional money to be put into XXXX 's account. The money wasn't put into the account and when I called to check on it, they said that it wasn't fraud, that it should have been filed as a dispute so they closed that claim and filed it again as a dispute. We requested that they give the {$500.00} provisional money and they denied that request, then XXXX XXXX called the next day to say that the money will be put into the account, until that claim is settled. We have requested numerous times for someone to watch the video to prove that XXXX did not receive the money. HOWEVER, XXXX XXXX XXXX, Assistant Vice President at that location sent us an email stating " When the Police present us with a subpoena for information well be able to get that on to the right department so that they can work with the Police. '' XXXX did file a police report, then we followed up with the detective, who stated that he isn't able to get a subpoena for this because it's not a criminal matter, but a civil manner. And US Bank is still not willing to watch the video to determine what happened! This is ridiculous! We want someone to please watch the video of the transaction from XX/XX/2019 at XXXX to see if the money was or was not dispensed to XXXX . We would like to see the video also. This has been such a fiasco! Then please grant XXXX the {$500.00} plus any overdraft fees that have accumulated since XX/XX/2019 - which the bank has said they will do, if it's proven that XXXX did NOT receive the money. But no one at US Bank will watch the video to prove what happened to the cash. | ||||||
| 09/05/2023 | Yes |
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Web | Older American, Servicemember |
| Log in Weve accepted your deposit. Status : Accepted Your deposit should be available within one business day. In most cases you will have access to at least the first {$220.00} right away. In some cases, it will take one business day to make the entire deposited funds available. Date : XX/XX/2023 Amount : {$200.00} Account ending in : XXXX Hold on to your check. Wait to shred your paper check for at least 2 business days in case we need more details. You can view images of your check in your apps mobile deposit history. If you have questions, visit our mobile check deposit FAQs for help. XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). Yesterday I received a call from US Bank stating again my account was past due! Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. My phone number XXXX, check your incoming calls. I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. I know this will effort my credit score. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). Yesterday I received a call from US Bank stating again my account was past due! Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. I know this will effort my credit score. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX | ||||||
| 04/26/2018 | Yes |
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| I, XXXX XXXX XXXX, am a XXXX XXXX. I represent a client in XXXX who is the victim of a socially engineered spearphishing attack. My client 's daughter 's email account was hacked, and the hackers were able to look through her email history and learn she will be getting married in XX/XX/XXXX. Using her email account, the hackers sent an email to my client posing as his daughter and asked for money to help pay for wedding expenses. My client responded by email and agreed, and asked for bank wiring instructions. The hackers sent him instructions to wire money to a U.S. Bancorp ( US Bank ) account in XXXX XXXX, CA. On XX/XX/XXXX, my client wired {$38000.00} to the account. Almost immediately, the hackers were able to make two cash withdrawals totaling {$10000.00}. The next day, the hackers made two cash withdrawals totaling {$19000.00}. My client realized on XX/XX/XXXX he had been scammed and alerted his bank, XXXX XXXX in the XXXX XXXX, who contacted their correspondent bank in XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX in turn contacted US Bank, at which point US Bank placed a freeze on the account in XXXX XXXX. By that time, {$19000.00} remained in the account. I have been able to track down the beneficial account holder, who lives in XXXX XXXX. I convinced the account holder to return to my client the remaining {$19000.00}, and he has received that money. I also convinced the account holder to allow me to have access to her bank statements. Based on the statements, I determined there were two large deposits followed almost immediately by four large cash withdrawals. US Bank has not been forthcoming in providing information with respect to those cash withdrawals -- I would like to know where the money was withdrawn, how, and by whom. Based on the two large ( {$10000.00} and {$37000.00} ) international wire transfer deposits, followed almost immediately by large cash withdrawals, it appears that US Bank failed to utilize appropriate anti-money laundering measures. Even if US Bank did have an anti-money laundering measures in place, the large international wire transfers and immediate cash withdrawals should have raised red flags and triggered immediate scrutiny. Furthermore, the two international wire transfers originated in XXXX and XXXX, two countries known to have rampant money laundering and bribery problems, and which are on the U.S. Department of State 's list of Major Money Laundering " Countries of Primary Concern. '' | ||||||
| 08/02/2017 | Yes |
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Web | Older American, Servicemember |
| Back in XX/XX/XXXX, I responded to a solicitation from Fidelity to receive a Fidelity Rewards VISA credit card. I was unable to fill out form online as form would not let me use my full legal name, XXXX. XXXX. I finally completed the application via phone, no problem. I received the card in the XX/XX/XXXX-XX/XX/XXXX period. Using the card was no problem. My first two statements came addressed to me : XXXX. XXXX. The third came addressed to XXXX XXXX XXXX. Now, this was my GIVEN NAME at birth but in XX/XX/XXXX I had it legally changed to XXXX. XXXX, the name I had been using for many years ( Superior Ct. Washington , XX/XX/XXXX, # XXXX ). When I received the statement with " XXXX XXXX XXXX '' a called the customer service number listed on the statement. After explaining my story, the gentleman said that he would try to connect me to their fraud division. The fraud division REFUSED to speak to me! I contacted the Washing State Attorney General and filed a complaint with them. After some correspondence with them I received a letter from ELAN Cardmember Service, Office of the President, XXXX. XXXX XXXX, XXXX, ND, XXXX, telling me that they did a background check on me ( assume SSN ) and that I was XXXX XXXX XXXX. I responded through the AG that the info ELAN had obtained was NOT accurate and I wanted to know from whence the info came so I could correct the source. The answer : " proprietary in nature '' and would not share with me the agency from whom the bad information came. Translated, TOUGH COOKIES! 'We know who you are ' and that 's it! Ironically, I had opened an account in conjunction with this credit card with Fidelity, the institution with which I thought I was dealing, in my full LEGAL name, XXXX. XXXX. I have several other accounts with them, also. Here 's the problem : ELAN ( whoever they are ) arbitrarily changed my legal name to another name without contacting me. They depended on inaccurate, untimely information from an unknown ( to me ) source. Their intransigence, after being contacted by the WA AG 's office shows that they need to revise their procedures in order tthat this not happen again, to anyone. They, I believe, do NOT have the right to change anyone 's name without direct contact with that person to verify the information. Documents that were submitted through the AG 's office : current U.S. Passport, redacted, Washington state Drivers License, redacted. Copy of certified copy of Court Order of Name Change | ||||||
| 05/06/2015 | Yes |
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| In XXXX, my friend purchased a {$300.00} MasterCard gift card ( plus {$5.00} in " fees '' ) at a local grocery store ( XXXX ). According to the packaging, it was issued by the US Bank National Association. She gave it to me later in the month or early XXXX. In XXXX, I decided to use it. The instructions said to to register it online prior to making an online purchase. I attempted to do so at XXXX - the site listed on the packaging. The site told me they could n't find the card so I called the customer service number - XXXX. According to customer service, the card was not activated at the point of purchase and I was directed back to the store. I went to the store ( WITH the receipt for the gift card ) where the baffled manager said he could n't help me and HE called the customer service number and they advised him I should call back with instructions. I returned home, called the number, and the rep told me I would have to fax the receipt, along with a copy of the gift card ( front and back ) to the attention of " Gift Card Activation '' at XXXX. She said it would take 7-10 BUSINESS DAYS to activate the card. I did this on XXXX XXXX. On the XXXX day, the card was STILL not activated. I called AGAIN and the rep told me they would " escalate '' the matter -- but refused to find out if even the fax was received as that was a " different department. '' When transferred to a supervisor - she told me the same thing. ( But how can you " escalate '' something that is ALREADY late on your part?! ) She took my phone number ( which was already on the fax I had sent ) and said someone would call me back in 24-48 hours. After 48 hours passed without a call, I called them. The supervisor then explained that it was n't 24-48 hours in day time -- it was 24-48 hours -- BUSINESS HOURS. ( Have you EVER heard THAT? ) Which, he told me, would be five more days before I would hear about ANYTHING. This is OUTRAGEOUS! I asked him for the name of the company he worked for and he said, " Card Services. '' I asked for the physical address so I could put it on the complaint form to the XXXX Attorney General. He refused to give it to me and could only tell me that the business was located in XXXX. So, after being told the card would be activated in 7-10 business days, it was n't. Now I am " lucky '' enough to have this matter " escalated '' so it MAY be five MORE days before a single person calls me and will probably tell me " they never received anything. '' | ||||||
| 04/17/2020 | Yes |
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| I am a XXXX XXXX in severe financial distress due to Stay at Home orders. I have filed all relevant SBA and FEMA applications with my bankers. In the course of contacting my personal creditors, I contacted US Bank regarding our XXXX XXXX XXXX MasterCard. They indicated I do not qualify for their Covid-19 relief program because of late payments. I have paid all of my payments on the due date or one day before via ACH on their website for years. It turns out, the don't post payments made via ACH on their website for up to 1 business day and always after the weekend. I had no idea I was racking up late fees while paying on time. I am incensed in frustration to discover they were " floating my payments '' to my detriment and charging me late fees. They are now using that as the disqualifying reason that they will no extend me the payment deferral that every single other creditor ( dozen plus ) has extended to me including tier 1 and tier 2 credit cards and banks. This is at least an abuse of their treatment of payments to their benefit. It is a worst a slap in the face to me as a business owner in legitimate distress. This is a matter principle. The payment that they would defer is only {$66.00}. And yes, that {$66.00} matters to me this month by never mattered enough in the past to even notice the egregious late fee policy. Again this is a matter or principle. If they are doing this to me then they are doing it to millions of patrons who think that a ) paying their bill on the US Bank Website on its due date is paying as- agreed ; and b ) they are refusing to offer relief when it is most needed. Moreover, their agent on a recorded calls demanded that i pay the {$66.00} that I was not able to pay in XXXX ( when I could not get through on the phone to them after five days of trying ) and that if I paid that {$66.00} then I the payment deferral program would be extended to me. I want the call recording pulled and staff held accountable. The supervisor was self rightous at best and implied that if I had been a reliable customer, then they would have offered me the program. I have been shopping at XXXX since it opened. I have been a US Bank XXXX card holder for many years. I had not Idea i was getting stuck with late fees for paying what appeared to be on time and only would have realized it if it ever showed up on my credit report ( which it never has ). They are splitting hairs and charging material inappropriate fees. | ||||||
| 05/27/2016 | Yes |
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| I worked with US Bank to secure financing for a condo XXXX. I worked with XXXX XXXX at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor XXXX XXXX XXXX, it all went down hill. Due to US Banks extremely high closing costs, I reached out to XXXX to update the amount of my down payment, so I could free up cash for closing cost. XXXX informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, XXXX was persistent that I pay for an appraisal BEFORE their 'internal ' condo approval board even said that the place was ok to extend lending. I was able to catch this and refused, saying we needed to wait for US Bank to approve the condo 's XXXX financials. XXXX was extremely pushy and said that we would not make the closing date if I did not pay for the appraisal. I said that was fine and worked with the sellers. At this point, XXXX informs me that they need to run my credit again under my married name. So they do a hard hit not once, but twice because she could not do her job right to begin with. What is the worst part is that after I had written confirmation from XXXX that $ XXXX down payment would be fine for the loan, US Bank called to request that I pay an application fee. After I paid the {$390.00} application fee, US Bank informed me that I needed to come up with $ XXXX more for closing. At this point I am completely dumbfounded. Not only do I never get complete answers from US Bank, they systematically lied to me throughout the entire process. If I would not have caught the appraisal that XXXX XXXX was pushing on me, I would be out close to {$900.00}. Instead, I am out {$390.00} that was charged to my US Bank credit card ( so much for loyalty, right!? ) Needless to say, I was I have loan approval through another lender and I am closing on my place on XXXX, with a lower interest rate. I was able to easily secure financing without the incompetence of XXXX XXXX and the rest of the people at US Bank. It was complete night and day between my new lender and US Bank as far as keeping me informed and making sure I understood the process and what I was paying for. US Bank made it clear that they just wanted my money-so enjoy the {$390.00} application fee you should have never accepted US Bank. Needless to say, I will be closing all my accounts soon. | ||||||
| 09/26/2023 | Yes |
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| On or about XX/XX/XXXX I made several attempts to use the mobile deposit feature on the U.S. Bank NA mobile banking application. I received several egregious error messages over the course of more than two hours. On the last attempt the deposit appeared to be successful insofar as I received an email message, led to believe, ( timestamped at XXXX XXXX XXXX ) from U.S. Bank NA stating the status of the mobile check deposit was accepted, further stating weve accepted your deposit. and you will have access to at least the first {$220.00} right away. The check amount was {$120.00}. However, the date, in the contents of the message, was post-dated to XX/XX/2023 seemingly in contradiction to the aforementioned statement made, in the same message, funds being available right away. As of the end of business on XX/XX/2023 the funds still appear as pending in status. Additionally, the mobile application for the account, in question, also shows an available balance reflecting the mobile deposited check is fully credited to the business checking account, right away. I was misled into believing the funds were available for uses, such as, but not limited to, an internal transfer between two checking accounts, for less than the total amount of purportedly available funds. This led to further confusion as the balances displayed showed two separate, contradictory amounts ; one, the headline available funds reflecting the amount inclusive of the funds recently deposited, but, below that in a much less conspicuous font, secondly, an amount not including this amount, thusly, showing the account in a negative net balance. I believe, U.S. Bank NA is making intentionally contradictory statements about available balances and processing times, in an effort to confuse consumers, to induce action in an effort to create a scenario where a negative balance is rendered, however temporary, so the bank can then apply its rent-seeking, deceptive junk fees ( e.g. overdraft, and returned check ( s ) fees, etc. ) against the account holder. I believe this predatory action is blatantly profiteering. Such deceptive practices are designed, expressly, to maximize the number, frequency, and amount of unjustifiable, hidden junk banking fees generated against account holders, by definition, those who can least afford it. This type of rent-seeking fee may be a customary practice amongst super regional institutional banks, but, it should not be considered justifiable. | ||||||
| 02/06/2021 | Yes |
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| On XX/XX/XXXX we closed on a refinancing with Eagle Bank for our single family home in XXXX MD. On XX/XX/XXXX we were informed that our loan had been sold to US Bank. The effective date of US Bank to start receiving payments was XX/XX/XXXX. Our loan number is XXXX. On XX/XX/XXXX I was informed by email that USBank had disbursed {$1900.00} to XXXX XXXX for an insurance premium payout. Unfortunately, we do not have our homeowner 's insurance with XXXX XXXX. We have our insurance with XXXX 's and this payment was made by Eagle Bank on XX/XX/XXXX. In speaking with the poorly trained customer service department, I was informed that US Bank made a payment for the premium for the Master insurance policy for the Condo. This property is not a Condominium, it is a single family home which could be easily checked by using XXXX or perhaps just reading the documents. Even if this was a condo, what Condo owner pays the premium for the Master Insurance Policy for the Association? The only premium a Condo owner would pay is for an HO6 policy. The rep then asked me if my policy covered walls in or just the outside. Again, this is a single family home so this question shows a poor understanding of what is in a Condo policy vs a single family home policy. The rep found that my paperwork was processed incorrectly designating it as a Condo. Why that happened and what possessed anyone to send a payment for a premium for a Master policy when you aren't even processing my payments yet for the mortgage is unbelievable. We are very disturbed that you would send funds out of our account when you do not even have the account till XX/XX/XXXX. I spoke with a rep for US Bank on XX/XX/XXXX and was assured my paperwork would be updated and the funds returned to my account. On XX/XX/XXXX I received an email that US Bank has now sent another payment for homeowners insurance for {$1900.00} to XXXX XXXX. Still not our homeowners insurance policy. Called the bank on XXXX and they had no record of my request from XX/XX/XXXX. I asked for a lock on any more escor payments and that they had t get my authorization. They refused. I am now out {$3900.00} with no assurances when this money will be returned. I emailed XXXX XXXX XXXX XXXX at the Bank with no response. US Bank has shown us so far very sloppy handling of our account, our funds and very poorly trained workers. Not what you want to see when you handle our escrow for insurance and taxes. | ||||||
| 12/17/2020 | Yes |
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| On XXXX XXXX I paid {$100.00} for a XXXX with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. Sincerely, XXXX XXXX Manager XXXX XXXX XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid. | ||||||
| 07/21/2023 | Yes |
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| My loan is XXXX XXXX XXXX on XX/XX/2023. I reached out to US Bank on XX/XX/2023 to request for PMI removal. US Bank took the {$190.00} fee that day. And I expected a call from a realtor for a BPO as I chose to do it based on current valuation. However, I did not hear from anyone so I called US Bank to follow up on XX/XX/2023. At first, they told me they rejected the request and returned me the {$190.00} because it should be {$410.00} for an appraisal. I told them that is wrong because US Bank puts in writing that it would be a BPO ( Broker price opinion ) and not an appraisal. The staff changes to another reason that my loan balance does not meet the XXXX based on origination value. I told them that is wrong because I specially requested the removal based on current valuation, hence I paid the {$190.00}. The staff then changes again to another reason that I did not meet the substantial improvement dollar value that XXXX XXXX requested for the loan that is less than XXXX XXXX XXXX. They said XXXX XXXX requires me to spend {$45000.00} substantial improvement ( 10 % of my original valuation ) and I have only spent {$10000.00} that can be counted towards substantial improvement. I told them that is wrong because the XXXX pages XXXX XXXX guideline does not have a dollar value or % that I must spend on substantial improvement. I asked for the proof. She then transferred me to someone from the mortgage removal department and that someone told me she would get her boss to call me. No one called me. I called again the following week and now they said to receive the proof, I need to put in the request and they would send it by email and mail by the end of business day of XX/XX/2023. Nothing is received so far. I called again today on XX/XX/2023 and they told me that they mailed out a letter yesterday and I would receive it within 10 days. This is their sneaky way so that I will not be able to do the removal by my mortgage 2 year anniversary ( XX/XX/2023 ). And they keep telling me that I can do it after the 2 years so I can get away from the substantial improvement. However, after the 2 years, XXXX XXXX will require 75 % XXXX ( instead of 80 % before XX/XX/2023 ). This is how US Bank cheated us consumers to continue to pay the private mortgage insurance even though we might be qualified to have it removed. No where in the guideline XXXX XXXX requires such dollars but US Bank tries to use such wording to shut people up. | ||||||
| 04/19/2018 | Yes |
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| I purchased a {$100.00} XXXX gift card from XXXX XXXX stores on XX/XX/XXXX receipt saved ). On XX/XX/XXXX, with the card still in its original packaging, we went to use it at a XXXX XXXX. We were told that there was only {$1.00} left on the card. Since we have not used the card and the card was in its original package, we immediately went online to look into the matter. We found out that the gift card ( see printout ) that the card was used for 4 separate orders for XXXX purchases dated between XX/XX/XXXX and XX/XX/XXXX totaling {$98.00}. We also determined that there was a name linked to the account XXXX XXXX. This happened while the card was still in my possession in the original packaging. On XX/XX/XXXX, we went to file a police report with the XXXX Police, which is the city in which I live. The police report number is XXXX. If needed, I can obtain a copy of the report but, at this time, not willing to spend the {$15.00} required to obtain the report. However, I have told the police that I do want to press charges in their investigation is over. Also, on XX/XX/XXXX, I visited the XXXX on route XXXX in XXXX and spoke with the Manager. He stated that he never encountered any problem with any gift card sold from the XXXX store and, since these was a third party gift, there was nothing he can do. I called the toll-free number on the gift card and they said that I needed to fax a letter and corresponding documents to Lost/Stolen Card Request. I faxed on XX/XX/XXXX and XXXX. The credit card customer service person told me that they would have an answer by XX/XX/XXXX. On XX/XX/XXXX I called and they said that there was no movement on my case. I am confused as to how this happened. I could see if I lost the card or gave it to someone, but the card, in its ORIGINAL packaging, was in our possession the entire time after purchase. As of now, I am out {$100.00} ( minus the {$1.00} ) that was left on the card for the XXXX XXXX purchase and the activation fee. This will certainly not break me, but I am frustrated by the lack of progress, time spent on trying to figure out how the fraud happened, and that XXXX, the Police Department, and XXXX XXXX XXXX company has been basically unresponsive. I have faxed and am attaching the letter, the front and back copy of the card, receipt, activation receipt, the original packaging, and the online form in a fax. If you could help me or provide any advice, I would appreciate it. | ||||||
| 10/21/2023 | Yes |
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| Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their promotion campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$600.00} opening bonus as offered by U.S. Bank. To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the response I received from U.S. Bank and the promotion terms and conditions. Attachment XXXX confirms that I opened my new account with the promotion code and within the specified timeframe, well within the 90-day window. According to the terms provided, this promotion was open to customers using the XXXX promotion code but deemed ineligible for those utilizing XXXX XXXX. Regrettably, this policy regarding XXXX XXXX was neither adequately defined nor documented, leading to considerable confusion. To add to the confusion, despite opening the account through the XXXX XXXX XXXX the promotion code " XXXX '' was validated and recorded in their system. Additionally, the U.S. Bank customer representatives confirmed they acknowledged the presence of the promotion code on my account. To my dismay, I received correspondence from U.S. Bank asserting my ineligibility for the opening bonus, citing the XXXX XXXX. This contradicts the information provided during the account opening process and is a significant source of frustration. The practice of validating the promotion code through XXXX XXXX during the account opening process, only to later deny eligibility based on the same, is deeply misleading. This not only creates confusion but erodes the trust customers place in the bank 's communication and processes. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation. | ||||||
| 04/21/2022 | Yes |
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| XXXX of XXXX I were XXXX and missed work and later upon returning I lost my employment, I communicated to mortgage lender USBank and were greeted with forbearance program. In speaking with them i shared i am responsible for insurance and taxes. USBank representative stated they will take care of taxes to protect their own investment and shared i will need to keep insurance. Time continued and I had job challenges and continued with hardship with myself or XXXX of my XXXX children and XXXX difficulties but with blessing of forbearance I were able to keep bills caught up besides mortgage and property taxes. I became gainfully employed at a much better job in XX/XX/XXXX and in XXXX of XXXX I called USBank to reestablish mortgage payment and were given three options. # 1 pay full amount of monies owed during forbearance. # 2 pay half of monies owed and agree payment of remaining attached to mortgage payments. # 3 wait till XXXX for forbearance to end and file XXXX to request putting monies be added to end of mortgage. XXXX I sent XXXX and it were denied due to incomplete. I called and gained information needed to complete XXXX. Now we are at the end of XX/XX/XXXX and I Re-Submit XXXX and mailed Certified mail. I received notification of denied due to no records of it being sent. I then Call and am told XXXX XXXX to them, XX/XX/XXXX I did so and USBank stated not received. I XXXX XXXX to XXXX Indiana to USBank facility and loan officer emails XXXX. This were denied due to bank statements too old. I drive back to XXXX and XXXX XXXX with updated bank statements and this were accepted XX/XX/XXXX. I call numerous times and speak asking info and typically transferred or drop call and continue to follow up on XXXX. I get a call from USBank on XXXX XXXX telling me I have two choices # XXXX pay XXXX in full by XX/XX/XXXX # XXXX short sell. I am baffled. I have had hardship after hardship and kept in communication with USBank. I am a single father of twins in school and have become injured at work and needed two XXXX with one being rather XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know the monies are my responsibility but if put at end of mortgage I would have no issues. I am told credit report isnt good and USBank can not assist. My credit has a payed off issue from USBank credit card that is not being removed. I do have income that can meet my financial responsibilities yet USBank will not speak to me of it. | ||||||
| 04/14/2018 | Yes |
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| I called US Bank through their XXXX ( XXXX ) XXXX number oXX/XX/XXXX XXXX XXXX to inquire for information on how to close my checking account since I already moved to Florida and there's no ATM or branch here. I spoke with a male banker who told me he can do it over the phone. I told him I was just asking for information since I thought there are paperworks that I need to write or mail. I told the banker my salary will be credited to that checking account on XX/XX/XXXX so I have to call them back after 2 days so I can receive my salary from my company before I close my checking account with them. The banker agreed and we ended the call. I went on with my evening and about XXXX XXXX, I opened my US Bank app on my phone just to check my balance, I noticed that my checking account is no longer showing on the app, only the savings and credit accounts, so I called their customer service number again at XXXX XXXX and spoke with a female banker who told me it's showing on her system that my checking account was already closed. I told her I did not give the previous banker the authority or never confirmed over the phone that I agreed I'm closing my checking account on that call. She said she will write an email to the banker 's manager and she will ask the manager to call me within 24 hrs. Since nobody called me after 12 hrs, I called their customer service number again at XXXX XXXX XX/XX/XXXX and spoke with another banker who told me the best that they can do with the pending credit to my checking account ( our salary will be credited on XX/XX/XXXX ) is return the credit to my employer after 2 business days since they can no longer open my closed checking account. I told her you should do something since I did not authorize the closure of my checking account but she answered that's the best that they can do - return the money to my employer and wait until my employer send it to me to Florida through check. I told her it would take some time since my employer 's corporate office is in Minnesota and I have to go through all the trouble of answering to my creditors as well as my rent which is due this Friday. She answered me that's the best that they can do so I told her I will be filing a complaint at the bank 's regulatory boards since their own banker closed my checking account without my confirmation over the phone and I am left here to deal with my creditors and my landlord since I don't have cash on my checking account. | ||||||
| 08/19/2023 | Yes |
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| Unresolved Funds Transfer Issue. Dear Consumer Financial Protection Bureau, XXXX XXXX Routing # : XXXX XXXX XXXX Account # : XXXX Type : Business Checking Union Bank Routing # : XXXX Union Bank Checking # : XXXX Type : Personal Checking US Bank Routing # : XXXX US Bank Account # : XXXX Type : personal checking. I am writing to submit a formal complaint regarding an unresolved funds transfer issue that I am experiencing between my XXXX XXXX account and U.S. Bank / Union Bank The details of the matter are as follows : On XX/XX/2023, I initiated a real-time external transfer of {$2800.00} from my XXXX XXXX account to my Union Bank Account ( XXXX with XXXX ). This transaction occurred shortly after the merger of Union Bank into U.S. Bank. Regrettably, the funds have not appeared in my U.S. Bank account, despite having successfully used this method in previous instances. In my pursuit of resolution, I have engaged in communication with both XXXX XXXX and U.S. Bank. U.S. Bank asserts that they have no record of receiving the funds, despite my provision of the transaction number and reference number for verification. They explained that only tracing numbers are considered for transaction tracking. Conversely, representatives from XXXX XXXX confirmed the successful execution of the real-time external transfer but clarified that tracing numbers are not applicable to this specific type of transaction. My attempts to address this issue through the banks ' customer service channels have been unfruitful. Both institutions have shown reluctance to initiate a thorough investigation into the matter, leaving me in a state of uncertainty and concern. I provide both bank statements in this complaints. Given the complex nature of this issue and the lack of progress through conventional channels, I am reaching out to the Consumer Financial Protection Bureau for assistance. I believe that your expertise and intervention can help bring clarity and resolution to this pressing matter. I kindly request your intervention and support in facilitating a thorough investigation to uncover the whereabouts of the transferred funds. Your assistance in mediating this issue would be greatly appreciated, as it is essential in ensuring fairness and transparency. Thank you for your prompt attention to this complaint. I look forward to your guidance and assistance in navigating towards a satisfactory resolution. Sincerely, XXXX. | ||||||
| 12/01/2022 | Yes |
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| I requested the company to honor our fiduciary relationship with my consumer accounts. I gave them all the permissions they would need to act as my trustee as some of their documents claim they have power of attorney. I asked them to define U.S. Dollar and what it means. I asked them as my Trustee to allow my account to be drawn/paid down each month so I can continue to use my card for food and house hold goods for my family of XXXX. I offered to leave a balance on the amount each month for a profit to the bank. I asked them to provide me with an accounting of my account and to return to me any over payments. I gave them full authority to act in my best interest, sharing that I have XXXX and that my communication has become more difficult. I shared that if they do not do what I am requesting, they will be causing me and my family harm. I shared that I am having each and every Consumer Account that uses my social security number audited and on a phone call, I shared that it is my belief the bank draws from an account in addition to my payments. I included a {$1.00} bill taped to a filled out coupon written back to U. S. Bank as payment for that statement. The dollar was NEVER deposited, the green card was signed by a registered agent and returned. My networth with my husband is over {>= $1,000,000} and I want to be on the private banking side. Now, i requested my consumer credit to be increased. I was denied. I am being harmed again after the bank closed a credit card and used my lack of accounts as a reason and my ratio of debt to credit. They used the reporting from XXXX to determine I should be denied an extension of my own consumer credit then a paragraph later stated XXXX had nothing to do with their decision. The deceptive words on that statement make reading their documents confusing for consumers which I indicated that their information and disclosures was confusing for the public. My XXXX report has very little on accounts open, I have XXXX public records which are in process of getting romoved from errors. The medical bill is being removed. I am being harmed, deprived, and discriminated against to even have access to my own consumer credit. The bank does not loan their own money, my signature and social security account provides securities for banks. I am the Original Creditor. The Full Faith and Credit shall be given in each State to the public Acts, Records, and judicial Proceedings of every other State. | ||||||
| 07/07/2020 | Yes |
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| Dear US Bank : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. Prior to the missed payments I attempted to contact US Bank regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. ..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak | ||||||
| 06/06/2019 | Yes |
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| We were looking for ticket for an upcoming concert and found a post on XXXX that offered two tickets. We reached out to the seller and negotiated a price of {$75.00} for 2 tickets. The seller then said they had a 3rd ticket they also need to get rid of and we negotiated a third ticket for {$50.00}. Two transactions were process using my Visa Debit card through a service offered by XXXX called XXXX XXXX. Both transactions were on XX/XX/19. The first transaction was for {$150.00} and the second transaction was for {$50.00}. A few hours later when I had not yet received my tickets, I reached out to the seller who claimed my payment did not go through. When they were insistent that I send them another {$200.00}, I was starting to sense something fraudulent was occurring. I refused to send the transaction again and sent the seller a confirmation from the first transaction. After my third attempt to contact the seller via XXXX, they blocked me from further communication. I then ( same day ) reached out to XXXX. XXXX informed me that the transaction could not be canceled and to reach out to my issuing bank, U.S. Bank. I filed a dispute with U.S. Bank and was initially provided with provisional credit. However, after investigation, U.S. Bank debit my account for the full {$200.00} siting that the merchant ( XXXX ) had performed their required service of transferring the money to the seller and did not have any responsibility for the fact that I never received the tickets. U.S. Bank is saying this is also not their liability because although I used my Visa card for the zero liability protection provided by Visa, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under Visa 's zero liability policy. U.S. Bank is also stating that while consumers are protected by the Fair Credit Billing Act, this particular type of transaction through XXXX is not covered by that protection as XXXX was acting as a money transmitter, not as a merchant performing a merchant function. In researching and reading through the Fair Credit Billing Act, I disagree with U.S. Bank 's position that this type of transaction is exempt. I was not sending money to a third party, I was purchasing tickets. This was not a cash advance, this was processed on my Visa card like a standard merchant transaction and I expect to receive the protections covered like any other purchase of goods or services. | ||||||
| 05/11/2015 | Yes |
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| My name is XXXX XXXX XXXX. I applied for a refinance Mortgage loan at U.S. Bank. I was told that I could combine my XXXX mortgage loans into XXXX if my house appraised at {$200000.00} dollars. I applied on XXXX XXXX, XXXX for the loan. This process continued until XXXX XXXX, XXXX that was the date that I received an adverse action notice, citing the value of collateral as reason for my denial. I take issue with the appraisal itself, and the delay of receiving a prompt credit decision, despite several contacts with lending personnel requesting their decision over the months this process took. I think this constitutes clear violations of the Equal Credit Opportunity Act timing provisions, and is indicative of a larger problem with US Bank, where MANY other applicants could have been treated in a similar manner. Judging by the lack of concern about timing of adverse action among the bank personnel I encountered ( they seemed oblivious to the length of this process and that there was anything wrong with it ). I am a minority applicant with a long time on my job, excellent credit, and a home in a area of the city that is still appreciating ( a few blocks away from the XXXX XXXX ). I would also contend that the appraisal itself ( conducted XXXX XXXX ) was biased in that it only took comps from the neighborhoods XXXX of XXXX XXXX My property ( XXXX XXXX XXXX XXXX is city blocks XXXX of XXXX XXXX, which is a dividing line for where the majority of economic development and housing appreciations in the area is taking place. The appraisal came in late XXXX, had errors in the comps that it showed XXXX XXXX address being twice ) and in the wrong place. At that point I was told the value of my home was {$170000.00} and a loan officer texted me a counter, involving me purchasing PMI if the refinance was to proceed. Frankly I do n't believe it is possible to sell a finished home with garage for so low an amount in this neighborhood ( it would be bidding war that would take it over $ 200XXXX ). I was not happy with that offer and clearly told them I was not interested in that scenario. No subsequent appraisals are evidenced in the loan files, they stuck to whatever value their part-time appraiser came up with and never budged over the 4months I was simply requesting the credit decision in writing. I have other documents including my copy of the appraisal and the adverse action notice ( received XXXX XXXX ) available upon request. | ||||||
| 01/24/2024 | Yes |
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| We had purchased a camper from XXXX XXXX XXXX XX/XX/XXXX and financed it through US Bank for the amount of {$36000.00}. We found out few days after driving it off the lot, that XXXX XXXX had screwed up our VIN number, which in turn messed up all paperwork to US Bank for the temporaty title. XXXX XXXX notified us of their mistake, and fixed the paperwork for us to be able to get our registration done. However, US Bank never followed up or fixed their paperwork on their end. Fast forward to a year later, XX/XX/XXXX we paid off the camper in full, sending US Bank the payoff amount of {$32000.00}. They accepted this payment, without even having the proper paperwork showing the right VIN, or without even correcting anything. So now in XX/XX/XXXX, of XXXX when my wife and I are attempting to sell our camper to a friend in order to get the funds needed to close on a home for our family, the dmv tells us they can not issue a title, due to US Bank still having a lien on it. When contacting US Bank several times asking why they are still holding a lien when it was paid off over a year ago, they just kept saying " their not sure ''. This led us to asking for a supervisor and while on hold for them, the dmv tells us that it is an electronic lien and that the bank can do an " emergancy release '' in order to have the dmv print us a title that day of being there. Since it over an hours drive to this instant title dmv. When the supervisor came on the line, we had relaid this information to her, which she in turn expressed that she had never heard of that. She then said she would go ahead and process a release to be done, but that they first have to fix the paperwork on their end, since they did not currently hold a proper lien. I even made the comment " wow so I should have never paid you off, because you had no way of even repossessing this '' of which they laughed and did not comment. It is now XX/XX/XXXX of which the release was still not completed and we loss a sale on our camper, which now in turn will affect our closing and might make us lose our home. All because they did not do their job and correct their own paperwork over 2 years ago! How can they accept payoff for a " vehicle '' or camper in our scenerio, without even having the proper paperwork or temporary title paperwork? Then have the right to make us lose out on so much money needed for a big family move, due to their own negligence and not be held responsible. | ||||||
| 10/12/2022 | Yes |
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Web | Servicemember |
| Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored. Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section. | ||||||
| 02/22/2022 | Yes |
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| This is a second complaint in reference to CFPB COMPLAINT ID XXXX, in which XXXX XXXX from U.S. Bank responded to this complaint on XXXX XXXX, XXXX. XXXX did not address the crux of the issue, and that is that U.S. Bank knowingly and deliberately failed to follow applicable consumer and fair lending practices laws when investigating my complaint to them in XX/XX/XXXX. I was not once contacted by the appropriate department at U.S. Bank when I made complaints of discriminatory lending practices for my Simple Loan applications to U.S. Bank. XXXX XXXX 's investigation took much longer than 30 days, and at no point was there any communication as required by law, whatsoever, to notify me of the status of the investigation or that the investigation would take longer than required by law. XXXX XXXX 's response on XXXX XXXX does nothing more than vaguely apologize for the delay in investigating my complaints -- a delay that was unlawful, according to Fair Credit Reporting Act and other consumer laws that require U.S. Bank to have contacted me both about their investigation and their large delays in their investigation, which were far greater than 30 days. I would like U.S. Bank to hold XXXX XXXX accountable for her deliberately not following internal and external policies as they related to investigating my complaint and the intentional delays in their investigation, none of which were communicated to me. If U.S. Bank did not act lawfully, then I request that they be held legally liable. If XXXX XXXX did not act according to U.S. Bank policies and procedures, then XXXX needs to be held fully accountable for her failure to act. Finally, U.S. Bank still does not address that, despite XXXX years of my complaints concerning the denials I received for their Simple Loan product, it took me making a legitimate complaint of discrimination to understand what " poor deposit history and credit performance with U.S. Bank '' actually meant. U.S. Bank is willfully neglecting to acknowledge that they allowed these vague, non-specific denial reasons to be sent to me, and not once were they investigated to provide a specific, detailed reason of what the denials meant -- until I made a legitimate complaint that I believed they had discriminated against me in the lending process. I would not have continued to apply for the Simple Loans had U.S. Bank 's denials clearly and sufficiently explained what " poor deposit and credit history meant. '' | ||||||
| 01/22/2021 | Yes |
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| I got my unemployment pay on a US Bank Relia Card debit card from Texas Workforce Commission and set up my online access to the card and about two weeks after getting the card set up I was going to buy a truculent with the funds, well I go to the ATM to withdraw the money and the ATM told me wrong Pin Code so I tried again same thing wrong pin so I grab my phone at the ATM try to log into the app for US Bank Relia Card and the app tells me wrong Username and password so I knew my account had been hacked because I did not change my username or password do I called US Bank Relia Card standing rite there at the ATM had them lock my account rite then they started asking me about some transactions and I told them the transactions that wasnt mine and we proceeded with the dispute well they send me the dispute papers for me to sign and return I got them about 10 days later I signed them and returned them while calling Relia Card almost Daily Collecting Information and they tell me the transactions the dates and type of transactions and tell me a email address to the person who did this and even proceed to tell me how whoever has put in an address change and I tell them that isnt me I did not put in for a address change so they have me send my Id to be verified so I sent the Id numerous times bc they would claim they did not get it or I was given the wrong fax number even by a supervisor so this hold on my card started XXXX XXXX and as of today XX/XX/2021 my card is still locked due to my card having more money taken from it again the first time it was two transactions for XXXX each totaling XXXX dollars the second time it was XXXX transactions totaling XXXX dollars for a grand total of XXXX XXXX XXXX XXXX XXXX Dollars and just to be told again they did not see any foul play in my account when I was on the phone with a representative from US Bank Relia Card on XXXX XXXX and he was the one told me that money was being removed from my account rite now while we was on the phone but yet they tell me they did not see any foul play in my account I believe this US Bank Relia Card should be Responsible for replacing all of my money that was done by bank transfer because if you trace the bank accounts you will come to find out that is not me and I feel that Relia Card did not do any investigation at all in my case do they do not have to pay the money back so if someone can look into this further for me I would appreciate it a lot. | ||||||
| 07/05/2018 | Yes |
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| In the spring of XX/XX/XXXX, I got a XXXX XXXX XXXX credit card ending in XXXX. Everything seemed to be going along fine with only one blip in XX/XX/XXXX when I did not receive a stmt. This was resolved and fees and interest were credited back to me. Then in XX/XX/XXXX there was fraud activity on the credit card. This seemed to happen when I went to XXXX XXXX, CO in XX/XX/XXXX. Evidently someone, somehow, advanced {$2000.00} to a US Bank Silver Checking account ( I don't have one of those ), and that amount was charged to my credit card ending in XXXX. I reported it immediately and was issued a new credit card ending in XXXX, and the Silver Checking acct was closed by US Bank. I told them that I did not want another credit card, and I never activated that card. Nevertheless, I received a stmt dated XX/XX/XXXX for card ending XXXX with a credit of {$1900.00} and rec 'd another stmt closing date XX/XX/XXXX with the same credit amount. I called US Bank soon after receiving that stmt, I did not get a name or an exact date at that time as I never expected their accounting department to be so inefficient. I let them know that there should not be a credit on my account as the {$2000.00} fraud activity was not mine to be credited, and I never paid that amount to US Bank to earn a credit from them. I thought it was over until I received a stmt closing date XX/XX/XXXX for yet another credit card # ending XXXX. This stmt also showed the same credit as did a XX/XX/XXXX and XX/XX/XXXX stmt. Then, to my surprise, I received a check for the amount of the credit. Check # XXXX, dated XX/XX/XXXX from Cardmember Service agent for US Bank Nat'l Assc. I did not cash the check and still have it. Then closing date, XX/XX/XXXX, I receive at stmt for acct ending XXXX with a new balance of {$2000.00}. SNAP! This was the amount of the original fraud. I have called twice now and talked to XXXX, and XXXX, XXXX and was not helped either time. Their phone tree is onerous, and the redundancy of their questions when switched from person to person is far too aggravating for words. Now, the stmt for closing date XX/XX/XXXX shows a balance due of {$2000.00} because of interest and fees. I give up getting anything done with these folks. I do not owe anything to my knowledge to US Bank. The {$2000.00} was fraud and was reported as such immediately. Every time I call and talk to someone at US Bank, I get another card, and the situation gets worse. | ||||||
| 06/07/2018 | Yes |
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| My bank has been having problems with automated payments to my credit card company - cancelling them because of the amounts involved in concerns for fraud. I am able to make manual payments on my card. Because the automated payment is returning each month, the credit card company is putting a 7-day payment hold on ALL payments made to them. On top of this, when an automated payment is made, I can't pay any amount on the card until the original payment has failed because I'm not allowed to pay above the balance on the account. I have discussed with customer service the situation several times and they refuse to acknowledge that the automated payments are the ones failing and the manual payments are all going through. They refuse to release payment holds on the credit card. The problem this causes is that the CC account shows it is under the credit limit but on some internal system goes over its credit limit and the card is declined. The account balance on the card remains low ( showing on all services and in automated customer service system as paid ) while the customer service representatives report the balance as over the limit ( showing as not paid ). This is the card which I have signed up all recurring service charges to - phone, security, alarm services, insurance billing, etc. These are highly important charges to go through and because of this situation with the CC, I am regularly having to call customer service for each of these services to fix the failed payments. I have requested that the credit card company provide any possible mechanism to make the CC functional again. Releasing the payment hold on manual payments was refused. Increasing the CC limit was refused. Speaking with someone else was refused. They refused to provide me with a notification when the internal CC limit was being approached so that I could avoid it going over. They refused to make it possible to pay over the account balance during an automatic payment. The closest I have come to a resolution was after offering to send in a bank statement showing the transaction, they said that they would review it and it was in their discretion whether or not to release the payment hold. I have been working with my bank to fix the automatic payment issue, and hope that it will be resolved soon. The refusal of the CC company to find a way to have the CC be functional is a massive headache and not providing the service for which I signed up. | ||||||
| 08/27/2016 | Yes |
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Web | Older American |
| In XXXX XXXX, I leased a vehicle that was financed via USBank in XXXX WI. At the time I assigned my low number Massachusetts registration plate to them for the term of the lease ( XXXX XXXX plate # XXXX ). On XXXX XXXX, XXXX I returned the vehicle to the dealer and asked them to be sure to have the bank reassign the plate back to me. The dealer gave me a form USBank faxed them showing that the lease had been paid off. ( For some reason they could n't fax a form releasing my plates. ) On XXXX XXXX, XXXX when I went to the Massachusetts Registry of Motor Vehicles to reassign my registration plate to another vehicle, I was n't able to because I needed a letter from USBank, on their letterhead, stating they were reassigning this plate back to me. The Registry Branch Manager was going to allow the bank to fax the document directly to them, so I called USBank. They told me they that their procedure for this did n't allow them to fax the document, and that it would take approximately seven ( 7 ) business days plus the time it took for the post office to deliver it to me. I told the person who answered the phone, then the supervisor I requested that this was unacceptable, and it was going to hold me up from registering another vehicle for approximately two weeks. They said they " understood '' by situation, but there was nothing they could do. Today I am sitting here unable to assign my plate to another vehicle because their policy is causing delays. It seems their " customer service '' ended once I paid off the lease. I do n't feel their procedure is reasonable if their customers ca n't get access their own plates for two weeks after the lease is paid off and the vehicle has been returned. If they could fax XXXX form to the dealer when I released my vehicle, why could n't they fax a second form? ( Where the Bank knew I wanted to keep my registration plate when I leased the vehicle, they could have done this OR left a second form with the dealer when I leased the vehicle, reassigning the plate back to me at the end of the lease - instead of making me wait two weeks! I would like to see the bank more responsive to the people they serve, and I would like to see this impractical bank policy changed so that in the future customers do n't have to wait two weeks like I am now waiting to get access to my plates again. SOME BANKS HAVE GOTTEN SO BIG THEY HAVE FORGOTTEN THE PEOPLE THEY SERVE! LETS BANK HUMAN AGAIN! Thank you. | ||||||
| 10/03/2018 | Yes |
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Web | Older American |
| In XXXX my now deceased husband XXXX XXXX, paid off a line of credit loan with US Bank on our home at XXXX XXXX XXXX, in XXXX XXXX, Iowa XXXX. At that time US Bank sent him a letter acknowledging he satisfied the loan, it was dated XXXX. My husband XXXX died unexpectedly on XX/XX/XXXX. We purchased the home in XXXX. The first mortgage on the house was sold to XXXXXXXX XXXX long ago. After my husband of 46 years who had worked at XXXX XXXX for over 44 years died, I couldnt afford to pay the first mortgage with XXXXXXXX XXXX as my only source of income was and is my monthly social security check. After my husbands death in XXXX, my dilemma at that time was to either let XXXXXXXX XXXX foreclose on my home or try to sell it. The real estate market in XXXX in XXXX XXXX Iowa was stagnant. The house was built in XXXX and needed some work. In the fall of XXXX a XXXX VA Veteran who needed to live close to XXXX XXXX bought the home from me on a land contract. For the last five years the contract buyer has paid me, almost to the penny, the exact amount of the monthly mortgage payment that I owe to XXXXXXXX XXXX. I then turn around and pay XXXX. Last month the VA agreed to give my contract buyer a VA loan for the home, allowing him to lower his monthly payment. He was approved and everything proceeded. Then a title search revealed a lien placed on my XXXX home by US Bank in XXXX was never released. Even though I have the letter stating that the loan was satisfied back in XXXX, US Bank will not send through a lien release to XXXX County Iowa. I have contacted a US Bank CSR at XXXX several times in the last week and they keep telling me that they have turned it over to a supervisor for review. They, US Bank, advises me to call back the next day, then the next day, same story every day. I am a XXXX year old widow living on social security and Im beginning to believe US Bank is discriminating against me by delaying releasing this old loan. Either US Bank has lost the loan paperwork or lost the money my husband sent to pay off this loan in XXXX. It has been over eleven years now and they are still refusing to release the lien or speak to me or my buyers lender. I have spoken to others who have had a line of credit with US Bank in XXXX through XXXX, and some before the banking crisis in that period, and several have said they have had the same troubles with US Bank not releasing liens on old loans and lines of credit. | ||||||
| 12/17/2016 | Yes |
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Web | Older American |
| I executed a new Lease agreement XXXX/XXXX/16 with XXXX XXXX XXXX in XXXX, Pa. The loan was placed by the dealer with US Bank XXXX, XXXX. XXXX XXXX, XXXX, WI XXXX. Phone # XXXX XXXX. I received my first " Lease Billing Statement '' from the bank dated XXXX XXXX, 2016, Payment due XX/XX/XXXX16. I then set up a Bill Payer account with my bank, XXXX, here in XXXX, Pa. The check was sent XXXX/XXXX/16 and received by the US Bank N.A. I next received a Lease Billing Statement dated XXXX XXXX, 2016, for XXXX payment. The check was dated XXXX/XXXX/16 and cleared the bank XXXX/XXXX/16. I started getting calls from the US Bank, approximately on XXXX XXXX, 2016, saying that they did n't receive payment and I will be incurring Late Fees if not paid. I checked with the XXXX and the check was stamped on the back " For Deposit Only, US Bank, followed by " Credited to Acct XXXX XXXX, also a Return Acct #. I called the US Bank and gave them the above info and was informed by several individuals that the account numbers mean nothing to them and that I will have to pay a {$30.00} fee for a " Research Request '' for them to locate MY CHECK in their accounts, to which I refused. I called back and spoke to a XXXX who said that no, I do n't have to pay the {$30.00} dollars and she will fill out the request and forward it to their " XXXX Research Dept. '' Also, XXXX faxed a copy of the cancelled check to the US BANK XXXX, at Fax # XXXX XXXX, provided by XXXX XXXX US BANK XXXX I have again received calls from the bank stating that my payment is late and I 'll be incurring late fees and this may affect my credit rating. I 've been pleading with the banks reps to please look up their account # 's on the back of my cancelled check, to which they ALL replied that 's not possible. I did make this payment and am being treated rudely and unfairly by this banking institution, which I have NEVER had in the past. Yesterday, XXXX XXXX, 2016, I called the US Bank, one more time, to discuss the matter and was told they may not be done researching my payment until the XXXX of XXXX. The rep said that they received my copy of the cancelled check, but he could provide no resolution and I should n't be getting any payment request phone calls ( harassment ) for another 5 days. Thank You for any assistance that you can provide. I 've never in my XXXX years received such disrespectful and unprofessional business practices as I 've received from the US Bank. | ||||||
| 06/13/2018 | Yes |
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| To summarize : On XX/XX/XXXX, a US Bank loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. Here are the details : On XX/XX/XXXX, we gave permission to US bank to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by US bank is significantly lower than XXXX, so we decided to go ahead with US bank instead. We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is US Bank 's internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with US bank. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much! | ||||||
| 01/09/2018 | Yes |
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| This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED HELP. | ||||||
| 11/16/2019 | Yes |
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Web | Older American, Servicemember |
| I refinanced my home in mid XXXX. I was given a series of checks by my title company, XXXX XXXX XXXX XXXX to pay off ALL of my credit cards. ALL have credited EXCEPT US BANK, which has become a DISASTER! I've been a LOYAL, RESPONSIBLE US BANK customer for over 12 years! I sent US BANK, VIA OVERNIGHT EXPRESS MAIL ( label attached, Tracking # XXXX ), a check for {$6700.00} ( copy of stub attached ), written by XXXX XXXX, on XX/XX/2019 to US BANK, XXXX North XXXX XXXX, XXXX XXXX, MO, XXXX ( contact address page attached ) AS DIRECTED TWICE by Customer Service and the address was verified EACH TIME. The envelope was accepted and SIGNED FOR By XXXX XXXX at XXXX ( tracking details attached ). The check was ILLEGALLY sent back to XXXX XXXX instead of the RETURN ADDRESS on the envelope with a letter ( attached ), unsigned, stating the " account number to apply the payment to is missing or invalid ''. I TRIPLE CHECKED the account number and it IS VALID! I was called by the title company on XX/XX/XXXX and told they had just that day received the check and asked me to retrieve the check so it could be resent which I did on XX/XX/XXXX. My payment was due on XX/XX/XXXX so IIMMEDIATELY went to the USPS and AGAIN SENT VIA OVERNIGHT the check to US BANK a SECOND TIME ( USPS LABEL ATTACHED, Tracking # XXXX ). It was received AGAIN on XX/XX/2019 and again received and signed for by XXXX XXXX at XXXX, AGAIN, at the XXXX XXXX address. I called the USPS in XXXX XXXX and actually spoke the the VERY CARRIER who told me that these envelopes were in fact delivered and ON TIME! Apparently the Convention Plaza address is a central receiving point and subsequently distributed to the proper building in the complex for crediting accounts. THIS HAS NOT HAPPENED IN EITHER CASE. I have called no less than 8 times and spoken to representatives, supervisors, etc but to NO AVAIL. I have spoken and messaged " XXXX '' on US BANK 'S instant messenger page and have been told they are " working on it ''. I have emailed the CEO Of US Bank, XXXX XXXX XXXX, and have been told they are " working on it ''. I even left a message on one of the Vice President 's voice mails and have yet to hear anything on this DEBACLE! In the meantime, MY ACCOUNT HAS BEEN SUSPENDED. INTEREST AND LATE FEES HAVE BEEN APPLIED ( US BANK STATEMENT ATTACHED ). And NOBODY seems to have ANY desire to rectify this horrific display of disregard, ineptness and incompetence! | ||||||
| 05/19/2017 | Yes |
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| XXXX XXXX I applied for a secured credit card ( S ecured Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score. As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card. XXXX / XXXX / XXXX : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''. The notice further states for me to call them if my housing payment is not accurate. My complaint is as follow s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother. 2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor. 3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines? 4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation. 5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer. 6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered. | ||||||
| 10/24/2019 | Yes |
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| In XXXX of 2019, there was a mortgage payment posted to my account that I had not made. When I called US Bank to inquire what this payment was and why it was on my account, I was notified by the US bank call center representative ( XXXX ) that their was an escrow balance overage and that it was applied to my account. I mentioned multiple times that I had not sent in my payment but the US Bank representative assured me that the payment was valid and correct. Now the first of XX/XX/2019, US bank notified me that they had made an error on their end and that two months worth of mortgage was due in XXXX on account of their error. I attempted to send in my payment for XXXX and they did not want to accept it. I was told I was to make the two months worth of payments and that they would not receive just one month. I have been trying since the beginning of XXXX to work with US Bank to find a resolution to their error and have been given the run around for weeks now. I have been accused of being a delinquent who does not want to pay my mortgage by one of their male representatives ( XX/XX/2019 ), I have been laughed at because of my XXXX name, and I have been treated with sheer disrespect from a supervisor named XXXX who refused to help me when I called last on XXXX XX/XX/XXXX. This supervisor answered the line by saying " What do you want ''!!! Set individual even proceeded to tell me that I wasn't going to ruin her mood for the day and hung up the phone. US Bank is not owning up to their mistake from back in XXXX, they have sent numerous threatening letters of foreclosure, negate the fact that I have uploaded to their portal multiple times documents that they have requested for a request for mortgage assistance ( RMA ) and have made this a tremendous financial and emotional burden on myself and my family. They have reported my account to the credit bureaus on account of their mistake and I am not sure at this time what my rights are on account of not being able to achieve a reasonable solution. I do not negate the fact that the last three times I have called, I have been quite upset an account of the sheer unprofessional individuals US bank has in this call center ( XXXX ) and how they seem to not want to own up to their mistake which has caused tremendous suffering as well as emotional and financial distress. I can not believe that a mortgage company treats its customer the way I have been treated by US Bank. | ||||||
| 10/17/2016 | Yes |
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| I leased a vehicle in XXXX and the lease was serviced by US Bank. At the end of the three year lease I decided to purchase my vehicle. I took a car loan with XXXX for the payoff amount and a check was issued to US Bank on XXXX/XXXX/XXXX for the purchase price of the car plus the sales tax due on the purchase of the car. I knew I had purchased the vehicle ; however I never gave any thought to the title. Out of sight out of mind, as the saying goes. I decided to trade in my car this month as I have had major costly mechanical problems this year. At this point I realized I never received the title for the car when I purchased it in XXXX. I called US bank on XXXX XXXX, XXXX and explained that I had never received my title. They confirmed the check they had allegedly mailed to me with the title was never cashed. I explained I was selling the car and needed the title as soon as possible. I called again on XXXX XXXX, XXXX XXXX the customer service representative stated US Bank would need to send me a letter, requesting {$55.00} to cover costs of securing my title. I was advised the {$55.00} was to cover the cost of mailing the title & check priority shipping. I became very upset as I was informed I could not pay over the phone with a credit card and the letter had not been mailed as of XXXX XXXX. I reiterated that I needed the title urgently and expressed my opinion that my title was being held hostage by US Bank. The did not send the original title by certified mail, why should I have to pay {$55.00} for a title they were responsible for sending me 3 years ago? The customer service representative stated they sent a follow up letter in XXXX, again not registered or certified. It is highly unlikely XXXX very important pieces of mail from US Bank would get lost by the US Postal Service. I truly believe the title was never sent. It is now XXXX XXXX ; and I have yet to receive the letter from US Bank. I have obviously lost the car I had negotiaited to purchase, but even worse I am paying a car loan for a vehicle that is not being driven because of serious mechanical problems. It is disgraceful that US Bank accepts no responsibility for a ball they dropped almost three years ago. What do I need to do to secure my title and the check for the sales taxes that they have had for almost three years? I am desperately in need of some assistance to secure the title and the sales tax payment. Thank you in advance for your help. | ||||||
| 04/19/2021 | Yes |
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| This complaint is being filed against US Bank Gift Card services. A gift card was purchased in XXXX for the amount of {$100.00}. The card is labeled and sold as " {$100.00} MasterCard Gift Card '' and a {$5.00} activation fee was processed at the time of purchase. The disclosures which came with the card do not describe the card as being anything other than a Gift Card. There's nothing within the disclosure distinguishing or defining the card as being bound to any other " gift card '' classification. Recently, XX/XX/XXXX I called to register the card in my name and was told that there was only a {$2.00} balance remaining on the card. I was informed that US Bank deducts administrative fees if cards are not utilized within 12 months, except where prohibited by state law. I informed the company that I reside in the State of Illinois where consumers are protected from such fee transactions. They escalated my complaint and refunded me {$24.00}. They informed me they were only able to refund up to 12 months of fees, as their systems only contained 12 months of data. They had not retained records beyond 12 months. They then went on to tell me that if I did not utilize the card soon, they would once again deduct fees. I have expressed my understanding of them not having better record retention policies in place, and I have expressed that refunding {$24.00} is acknowledgement of their original error, and that I expect the full amount of {$100.00} to be refunded. They continue to submit internal third party complaint forms, but have not provided me a refund. Again, at the time of purchase the card was sold as a " Gift Card '', and all disclosures ( which I still have ) define the card as a " Gift Card '' and not as a general use card or any other classification of a gift card. A {$24.00} refund is not acceptable on a card for which I paid {$100.00}. I've asked them to provide me information in writing as well as contact information so that I can continue to escalate and resolve this matter. They have refused to provide me with a copy of the complaint forms, notes on the nature of my repeated calls, and any information on how I may go about escalating this case beyond their call center. They refuse to provide me with anything in writing that substantiates the statements they make about their policy, and they refuse to provide me with contact information for the department within US Bank that handles such complaints. | ||||||
| 09/24/2020 | Yes |
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| The reason for filing is complaint is I sold a car but the fund mystically disappeared within two US bank accounts. The whole story : I sold one of my car to a local car dealership and received a check with {$21000.00} from the dealer. I made the first deposit with the check via an ATM on XX/XX/XXXX, and my bank record showed the check was reversed on XX/XX/XXXX because it was over the limit of depositing a check via an ATM. I received the check about one week later. And I deposited the return check over the counter of a local US bank branch and did what was asked from the branch account manager on XX/XX/XXXX. My account showed the check was returned again on XX/XX/XXXX. When I called US bank customer service hot line, I was told the check was returned because it was a duplicate check. The representative told me he was 100 % sure the fund was routed back to dealership 's bank account. But when I stopped by the dealership, their financial department told me the fund was not returned to their account. From what they could see from their account, that fund was showing was cashed on XX/XX/XXXX. And there was no any pending transactions or indication that the fund was going back to them. So I went back to a local branch on XX/XX/XXXX and tried to figure out. The branch account manager said she could only see the check was returned from my account and I should talk to the dealer 's financial department to initiate a claim from their side so that US bank can look into where the fund went. So I pushed the dealer to make a call with US bank and talked to their account manager to see what they can do. And I received the call from my dealer on XXXX XXXX and saying their account manager said the check was clear. The fund left their account and they wouldn't be able to provide more information on where the fund go. But they could see the fund was deposited into another US bank account. And so far I have made at least 4 calls with US bank, visited US bank branch for 3 times, called 4 times with my dealer and visited 3 times. And no one could tell me where the fund went and why it didn't deposit in my account and how the check was clear. US bank customer service just keeps tell me to go to my dealer and my dealer asks me to talk to US bank. But the fund is disappeared within US bank. Thank you for reading the long story! I did not expect it to be this long and time consuming to sell a car and receive the money either. | ||||||
| 04/23/2021 | Yes |
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| Per the Bank Statements uploaded with this Complaint, at some point before XX/XX/XXXX, I made my last transaction in my USBank checking account. On that day, my account had a balance of {$64.00}. For the next nine months USBank levied a {$6.00} " Monthly Maintenance Fee '' against my account. On the tenth month, in XX/XX/XXXX, USBank levied a fee of {$2.00}, which brought my account balance to {$0.00}. In XX/XX/XXXX, my account balance remained {$0.00}, no maintenance fee was levied, and my account was closed and no further statements were generated. That is, until Five months later, on XX/XX/XXXX -- without my permission or knowledge -- USBank reopened the account for the sole purpose of levying a " monthly maintenance fee '' in the amount of {$6.00}. As it was a closed account with a zero balance, the fee brought the account negative. For the next three months, until XX/XX/XXXX, USBank compounded fees upon its fees, utilized a " reserve line '' ( I never established or authorized ), and assessed all manor of penalties against this account and compounded the benefits of its prior fraud. The account statements, which I only acquired recently after hours of negotiations with USBank representatives, end on XX/XX/XXXX. By that time, USBank had attempted to pay itself around {$80.00} of fees and " protection. '' Years later, I ran a credit report and discovered that USBank had " charged off '' {$170.00} in XXXX or XX/XX/XXXX. It is still unclear how USBank arrived at that number, and no representative could provide me the answer. There are three issues : ( 1 ) USBank reopened a closed account -- without authority or permission -- for the sole purpose of levying a maintenance fee. ( 2 ) USBank had no contractual " right '' to levy a maitenance fee against a a {$0.00} balance account as evidenced by its failure to do so in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. Its fee in XXXX was a breach of the contract. And to the extent that USBank argues it had that contractual right to levy a maintenance fee against a {$0.00} balance account, any contractual " right '' to do so was waived by inaction. ( 3 ) USBanks ' consumer checking account agreement states that an account will become dormant after 12 months of inactivity. My account had no activity in the twelve months leading up to XX/XX/XXXX, and likely before. USBank breached the agreement by not rendering my account dormant prior to XX/XX/XXXX. | ||||||
| 09/17/2020 | Yes |
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| Im not sure of the exact date but on or around XX/XX/20 my card was locked. Due to excessive hold times it took me a few days to find out why the card was locked i was told due to identity verification which makes no sense having be the government has already verified me and i had the card for months. I have sent my id documents several times both by fax and by the XXXX upload documents at XXXX. To no avail. I am writing this because I am very displeased with US Bank XXXX and unsatisfied with not only the fees and inability to find free atms in my area but also due to their terrible customer service, hold times, hang ups and inconsistency amongst staff. I have never had to dispute any transactions, deal with fraudulent purchases, replacing of debit card or rude ignorance and changing information among customer service reps with any other bank or prepaid debit cards. All of the issues Ive stated plus more that i dont find tasteful to even bring up. Im not one to complain but after three times having to have a new card sent, waiting to be able to use my own emergency funds twice for over twelve days, not to mention being on hold for hours repeatedly before the issues were resolved. This last time that I ordered a new card I was finally made aware that it could be shipped overnight for a {$15.00} fee. Something that was never mentioned or offered the previous two times. One time my card was cancelled and shut off due to the application opening in my purse and miscellaneous buttons being pushed at random. Another time due to a service I never used charging my account for a food delivery to an address I cant even find out to learn who and how my card information was leaked and used. I am not comfortable nor do i feel my private information is safe with this company I dont want to continue to rely on XXXX to keep my money at hands reach my information safe and not constantly worry that ill go to swipe my card and it not work AGAIN that ill wait on hold for hours AGAIN and have to have another card shipped AGAIN for reasons no fault of my own. Thank you very much for your time and for listening to my concerns and complaints in regards to XXXX and us bank. I would rather wait a few more days to receive a check that only i can cash and know my money and information is safe then ever rely on XXXX ever again. No one should be forced to use such a unreliable inconsistent company. Thank you XXXX XXXX XXXX | ||||||
| 02/02/2022 | Yes |
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| Back in XXXX & XXXX, we had applied for several loan modifications, and had been denied many times for different reasons. We fell behind on our mortgage, to no fault of our own ( have documentation of US Bank admitting fault ). As we waited for approximately XXXX year to resolve our or be accepted for modification, we kept in communication with US Bank and were told that we would be fine and they would not put us in foreclosure as long as we were complying with giving the information that they were asking for. On XX/XX/XXXX our home was put up for sale. We had continued to keep open communication with US Bank, only to find out they had put our home up for sale. At the time, we had XXXX of our XXXX children still living at home, and were scared of losing our home. We contacted the Minnesota Attorney General 's Office for help. We were given a mediator, XXXX XXXX XXXX XXXX. XXXX XXXX was able to communicate with US Bank on our behalf, and he stopped the sale of our home. In XXXX of XXXX, US Bank found us a modification. Our XXXX yr mortgage___ {$110000.00} New Principal______XXXX {$130000.00} New Money _________ {$12000.00} ( with no explanation or breakdown ) We were in duress .... scared of losing our home and having nowhere to go with our family... so we signed. We couldn't afford to pay the arears that were due, let alone, take this paperwork to an attorney to look it over, so we signed so we would have a home for our family. Just recently, we had gone to refinance or sell our home, and discovered that not only did US Bank add 16 years onto our mortgag e but also added a clause in the documentation, that we are unable to sell our home without US Bank 's prior written consent. I know that there are quite some years that have past, and we're sorry we didn't pay more attention to the new modification at the time, but as I said before... we had no home for our family if we didn't sign the paperwork. We also had no reason to look at it again because we have been able to keep up on our mortgage payments ... All of this was traumatic to us and our family and did not want to relive those years. We have reached out to Minnesota Attorney General 's Office again on XXXX XXXX, XXXX and was able to ask XXXX XXXX XXXX XXXX if there is anything we can do. We understand that time is not on our side... but we were pressured and under duress when we signed. Can you help us please? XXXX XXXX and XXXX XXXX XXXX | ||||||
| 07/03/2018 | Yes |
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Web | Servicemember |
| I have a memory problem, as in forgetting things from time to time. I called XXXX XXXX Visa/ US Bank card and asked them early on to make my payments due in the first 5 days of each month. I try to pay all my bills at the same time every month. Always within the first 5 days of the month. But like I said my memory isn't perfect. I apparently paid the HD bill too early, I should have double checked the date before paying, but I didn't so my fault. Now I had paid them early in XX/XX/XXXX for the XX/XX/XXXX bill which was {$1500.00}. Then again on XX/XX/XXXX I paid them another {$25000.00} thinking it was for the latest bill. I find out that it all went to the XX/XX/XXXX bill. So now I have a bill they sent me for {$650.00} and it was due XX/XX/XXXX. So I called them to find out what was going on. I was confused first of all because the {$650.00} did not match the charges listed on the bill so I asked the lady to send me an itemized bill with just the charges for {$650.00}. She wanted to go over the bill with me and I said I did not want to do that. I was tired and wanted to retire for the day. Then she refused said they couldn't do that. Said it would be the same bill I already had. After getting nowhere with her I asked to speak to her supervisor. She put me on hold for quite some time and when another lady came on she wanted to know what she could do for me. I explained again what the problem was and she said she wasn't the other lady 's supervisor. So now I'm upset, I have this company who has sent me a bill and because I'm having a little problem figuring out just which of these charges added up to the total of {$650.00} and wanted some clarification sent to me. Yes they offered to explain it to me over and over. I declined over and over. The final straw was the second girl said no if they sent a bill it would look just like the one I had. I told her I was done and to cancel my card. Now after all that mess I still have enough reward points to get another {$25.00} gift card. There are enough points for that and then some. But because I had canceled they were not going to give me my last gift card. If you owe money to some one and you want to know how you owe it, because they have what you owe tied up with other bills you have already paid and won't separate the owed from the paid. That is all I wanted, now I am not sure who I was talking to XXXX XXXX or US Bank. So I want my gift card that was earned. | ||||||
| 06/17/2015 | Yes |
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| I bought a Visa gift card from XXXX for {$150.00} for my friend for XXXX on XX/XX/XXXX. She went to use it on XX/XX/XXXX and was told it would n't go thru. I called the customer service line on my XXXX receipt for the card and XXXX there gave me the Visa prepaid customer service number. There I spoke to XXXX who told me that someone had tried to use it before it was even activated at the register. She said I needed to fax a copy of the front and back of card, packaging and receipt to a number for Lost/Stolen Replacement Card Request - which luckily I had it all and I did. I was supposed to receive an affidavit to fill out and send back within XXXX days. I called by XX/XX/XXXX to the fraud number XXXX XXXX had given me to follow-up with and I was on hold for a long time and it finally came on and said to leave a message and they would return the call within XXXX business hours. I did, but no one called me back. By XX/XX/XXXX I called the customer service line again and was told it was mailed. I finally received it on XX/XX/XXXX and filled it out right away and faxed it back. By XX/XX/XXXX, I called customer service again to make sure they received it and XXXX told me he saw it said it would be resolved by XX/XX/XXXX but I could try the fraud line again. No one answered again, so I just waited. On XX/XX/XXXX, I called the customer service line to get status, and it now said it would close on XXXX. Again I tried the fraud line ( XXXX ) and could not get anyone on the phone. On this date, I just finally wrote a check for my friend for {$150.00} since she had been waiting this whole time for my gift. On XX/XX/XXXX I called back to the customer service line see if anything had been resolved. XXXX told me it now says pending dispute resolution on XX/XX/XXXX I asked for a supervisor but they told me that I had to talk to the fraud line - the XXXX # that no XXXX answers. I called again, nothing. It is now XX/XX/XXXX and still nothing - 6 months later and I am still waiting for a replacement card for the {$150.00}. I called the fraud line again and waited and waited today. Nothing, so I went ahead and left a message as well as typed a fax to fax to them but that still has not went thru. I as so frustrated and just want my {$150.00} back. Please help. I 'm not sure what I can do at this point but wait and I ca n't believe a company like XXXX can do this. I will not buy a XXXX gift card again after this experience. | ||||||
| 06/16/2022 | Yes |
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| I enrolled in the US BANK forbearance program XXXX of XXXX due to the corona virus pandemic. My work depends on XXXX XXXX done at our local hospitals. At this time the hospitals were handling virus patients and my income was significantly reduced. This went on and off until the end XX/XX/XXXX, at which time my forbearance ended and I was able to start paying my mortgage again. I had been told numerous times throughout the forbearance period that all payments would be put on the back end of the loan. However, I was asked to submit profit loss statements, bank statements, explanation letters, tax records etc. to the loss mitigation division. The first attempt was denied and I was offered A short sale. I was given the opportunity to appeal which I did and was denied again and offered a short sale. I was then told I was applying for the wrong program I was told I needed to apply for COVID 19 long term. I went through the application process for this program which took a few months. Again I was denied and offered a short sale. This process took from XX/XX/XXXX till XX/XX/XXXX. During this period I was able to make payments but was told no payments were acceptable during application process. On the denial letter one of the reasons said I was behind on payments from XXXX till XXXX. It also stated I SAID I wasn't able to make payments which I stated in letters I was able. Another denial reason said they could not find an affordable payment plan for me. I was never given an option on any payment plan. Another reason saying I was in Loss mitigation before, which I was years ago for different reasons. Why let me in this forbearance program if being in it before disqualifies you for another one. So, now after the forbearance from beginning XXXX till end of XXXX now they are saying I am 764 days delinquent and have to pay {$52000.00} to avoid foreclosure or do a short sale. I am left with my only option of XXXX bankruptcy. I really don't want to go down this road especially when I can afford payments. I will still be making payments under XXXX XXXX and hang on to house with 7 years of bad credit. It seems unfair that after proving with bank statements that my income could afford repayment if deferred to back end of loan. IT IS IMPORTANT TO NOTE THEY WOULD NOT TAKE MY MORTGAGE PAYMENT DURING THE APPLICATION PROCESS WHICH LASTED 6 MONTHS. NOW THEY SAY I WAS BEHIND ON PAYMENTS WAS A REASON FOR NOT DEFERRING PAYMENTS.. | ||||||
| 03/23/2016 | Yes |
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| We had a US Bank credit card account that had been open since XXXX. It was a card we seldom used and kept it for a back up card and the tenure to improve our credit score. Sometime around XXXX XXXX the annual fee became due. We did not receive a billing notice and was unaware it was due. US Bank maintains we were notified. Around XXXX XXXX I did receive an e-mail with the notification about the past due amount. I called the number to clear it up and was told the account was up to approximately {$120.00} after US Bank added late charges for three months. Thinking this was just a misunderstanding I offered to pay the annual fee plus XXXX late charge. They told me the account had been closed and could not be re-opened. At this point I refused to pay for a closed account and a fee I did n't know about. The representative put me on hold to discuss with a supervisor and returned to report that the fees had been reversed and I no longer owed the amount. In XXXX XXXX we refinanced our mortgage. In the process of that we were informed about an entry for non-payment on our credit record. We had been reported for non-payment by US Bank for an annual fee we knew nothing about until it was too late. Fortunately, this was the only adverse record on our credit report because we have always paid everything in full and on time ( or ahead ). It caused our score to dip about XXXX % so we had a good score rather than excellent. We have sent two letters to US Bank to ask them to reconsider, what we feel, is a completely wrong way of doing business. Their responses have been to rely on the true fact that we did n't pay the account. First, we would have paid it had we known about it. We would have liked to keep the account. We have paid the annual fee every year since XXXX. Second, US Bank 's cardholder agreements say that the account fee is to maintain and service the account for the following year. If the annual fee does n't get paid it should follow that US Bank does n't have to keep the account open to service it. Therefore, an annual fee is in a different class of charges from an actual purchase. Non-payment of an annual fee should not have the severe consequence of an adverse credit report. Third, as a corollary to the last point, if a customer does n't pay the annual fee it may be that they no longer want a seldom used account with a zero balance. We would like them to remove their adverse entry in our credit record. | ||||||
| 09/22/2023 | Yes |
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| I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my U.S. Bank mortgage was current. I was not required to make any payments during the forbearance period. On XX/XX/XXXX, I submitted a completed loss mitigation application. On XX/XX/XXXX, my XXXX credit score was XXXX. On XX/XX/XXXX, I received a certified letter from U.S. Bank regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, U.S. Bank must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. Approximately on or about XX/XX/XXXX, I received notification that U.S. Bank reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. In XX/XX/XXXX, I requested a credit correction from U.S. Bank asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, XXXX, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. On XX/XX/XXXX, I received a letter from U.S. Banks Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by U.S. Bank to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. Based on the facts U.S. Banks determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. U.S. Bank can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. U.S. Bank also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends. | ||||||
| 12/27/2016 | Yes |
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| I got behind in my mortgage and sold the house on a short sale in XXXX 2016. Prior to the closing, in XXXX 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In the meantime, the short sale was finalized. The repairs were not quite done at the time of closing, so I got the approval of the contractor, the insurance agent, and the buyer to close. All agreed since the insurance company had already provided the proceeds for the contractor. The short sale was closed and the settlement statement was sent to the insurance agent to ensure that the mortgage had been paid. However, once the contractor completed the repairs, about two weeks later, the contractor was unable to get the funds from US Bank. US Bank applied the money earmarked for the contractor to principle even though they were paid out of closing the money they agreed to on the short sale. I called the claims department at US Bank. They told me they were instructed to do so by the default department. I spoke to the default department, and they told me that the mortgage assistance department was the department that instructed. I spoke to the mortgage assistance department, and they told me that I would have to speak with the claims department. No one there understands why the funds that were earmarked for the contractor were applied to principle, but I ca n't get anyone to take responsibility and reverse the error. In the meantime, the contractor has not been paid and is looking to me to make the payment. I ca n't afford such a payment. That is why I had homeowners insurance. I would like US Bank to pay the contractor the funds that were sent to them that were earmarked for the repairs to the property. I filed the claim correctly and did followed all the procedures required by the insurance company and the mortgage company. I would have preferred giving the funds directly to the contractors, but was told that the US Bank had to be included on the check. Now they have acted dishonestly and will not correct the problem. | ||||||
| 11/22/2021 | Yes |
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Web | Older American |
| I called XXXX XXXX to file a dispute about XXXX charges I saw on my bank statement. XXXX was for {$XXXX} and the other one was for {XXXX}. The Banker asked me if I wanted to cancel my card. I said no, that I had payments coming out and I buy many things on line. I asked her if the were cancelled how long would it take to get another XXXX, I can't remember her exact reply, but I believe it was XXXX days or there about. I got upset and told her not to cancel the card. I went about my business and ordered some glucose tablets from XXXX The next morning I got a notice that I needed to make another kind of payment. I called XXXX and they said my card had been declined. I am afraid I freaked out. I called the Bank and got a slow Banker who mumbled something about the Fraud Department. He connected mean and I found out that a dispute automatically goes to a Fraud case and the card gets turned off. I am afraid I freaked. I am XXXX XXXX XXXX. I am on XXXX XXXX. I work very hard to keep my finances in order. I have a printer as well as a computer and I regularly print off copies of my Bank pages. I called several other Bankers and got different stories. At the time I didn't have anyone to take me to the branch and get a temporary card. After the last Banker treated me badly. I decided to file a compalint. I called my son and told him about my problem. We had to negotiate a time and he will come over today at XXXX to take me to the Branch. They have a drive up window. I have spoken to the manager before. and he has helped me out. My main concern was that my blood suger had gone down for XXXX nights in a row and I was running out of Glucose tablets to bring it back up. If I didn't have my card I couldn't get more tablets. I don't have a car and no one in my Senior Building, know me well enough to ask them for their help. I didn't think my son could help me because he is a XXXX XXXX and has a hard time when other people keep digging into his work day. But he agreed to help me get a temporary, I was very upset that the bank had no compassion for the health issue I was dealing with. If I could not raise my XXXX XXXX I could go into a XXXX or get XXXX. I work very hard on covering my bases in taking care of myself. Their not understanding me was extremely frustrating and threatening. They couldn't seem to get it. That woman did not tell me she would have to cut off my card. She led me to believe that it was okay. | ||||||
| 11/08/2017 | Yes |
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Web | Servicemember |
| Around XXXX XXXX XXXX, I was approved for a trial loan modification. My trial payments were to begin XXXX, XXXX, XXXX XXXX. I never signed any documentation in fact the readable trial loan modification documents came late. However, the correct paperwork that showed how much my trial loan payment would be. Fast forward in XXXX after several emails and calls I received loan modification paperwork with 2 additional names on the documents in addition to mine. I called the bank and the stated it would be escalated and corrected. So from XXXX through XXXX the bank and I were gong back to get correct documents. I received a denied loan modification do to the fact I did not signed the incorrect loan documents. I then appealed the denial for not being able to signed the loan modification documents because they had other people names on the document not associated to the loan and myself. The appeal came back that the fraudulent names on the loan modification had to be signed. I called and emailed US Bank several times for assistance because the same reason they were deny my modification was same reason I could not signed the modification documents. Finally, I supervisor by the name XXXX XXXX did her job and email there mortgage appoint assistant again explaining how it was an error or there end. So fast forward to XXXX/XXXX/XXXX. I receive an email by XXXX XXXX, a US bank rep manager and she explains she will XXXX the correct documents to me so I can sign. In the meantime they send me back one check in my deceased mothers name. They start to mail all documents in my deceased mothers name even though when I was paying they were sending it in my name, plus all the checks were coming from me. On XXXX XXXX when US Bank Rep told me she was sending the correct documents. On XXXX XXXX, XXXX I received a foreclosure notice and auction sale date of XXXX/XXXX/XXXX and they attached it to the door today. Now I paid all trial periods on time and paid over my trial months, the error was on US Bank. Now I have been embarrassed by neighbors, my kids are worried, and stressed that we are going to loose our home. In which I did everything I was supposed to do on my end. I did mail back the correct documents today XXXX/XXXX/XXXX once I received them on XXXX/XXXX/XXXX. The house is under water. I inherited the mess and the bank is not giving me any mercy for their error or a principal reduction. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 02/07/2019 | Yes |
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| On XX/XX/XXXX I received an electronic notice from XXXX stating that I had a delinquent credit account with US Bank. I have a car lease with US Bank that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from US Bank stating that I owed {$1300.00}. Given that I still had one more payment left I called US Bank to understand what the owed amount was related to. According to US Bank, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ 50 monthly payments I had missed plus penalties and interest were worth {$1300.00}. I explained to US Bank that I was never once told of of the increased payments. US Bank has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to US Bank numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice US Bank has negatively and quite unfairly impacted my credit score. It is clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. US Bank 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with US Bank is XXXX. Thank you, XXXX XXXX | ||||||
| 12/15/2016 | Yes |
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| I hired a usbank mortgage banker to give us a mortgage for a house we bought in XXXX California. Our mortgage banker recommended that we apply for a HELOC and use it to complete our down payment for our house. We told him for a period of XXXX months that we do not need it and we would be okay just paying the balance before escrow closes. At the day of the closing, my mortgage banker told me to go and get a check for {$29000.00} because the underwriter " goofed up '' and the HELOC will only be availbale After escrow is done. Even thought we did not really want the HELOC, we wanted to make sure it will have the promotional rate of XXXX % for XXXX months according to the flyer we received at the XXXX branch. After speaking to his boss XXXX, I discovered that a HELOC can not be used for a down payment. It is a good thing that we had the money and a personal relationship with the branch XXXX in XXXX to get that check only an hour before we were suppose to sign the escrow papers. Theses are the issues : ( XXXX ) We were told that we can use the HELOC for down payment. If we did n't have {$30000.00} in our account, we would have fallen out of escrow. ( XXXX ) The HELOC rate we received was XXXX % instead of XXXX % on our statement. We were in escrow since XX/XX/XXXX because the house was in construction with XXXX, We supplied all the paperwork and payments over a period of XXXX months. We were always told that we should sit back and relax. At the last XXXX weeks of escrow, we were anything but relaxed because everything was going wrong. After we finally closed escrow and got the keys we thought it was all behind us but we were wrong. Not only the we did n't want the HELOC and we have multiple emails to prove it. We were told that we should get it and use it for the down payment, which we did n't want to do but we thought that the rate of XXXX % was great and allow us to have more cash in the bank to do necessary repairs on the house. Then, we found out that the underwriter goofed up and the HELOC was n't ready. So, we had to run and get a check for nearly {$30000.00} an hour before escrow meeting. a month later, we receive a statement with 5 % interest rate instead of XXXX %. Then, after speaking on the phone with XXXX, he told me that we could n't have used HELOC for down payment and he is looking into the matter. I feel that we were duped into getting a HELOC that we did not want or ask for. | ||||||
| 05/20/2015 | Yes |
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| I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well. | ||||||
| 09/15/2023 | Yes |
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| Redemption of an Unsurrendered Certificate of Deposit ( CD ) I am the personal representative of our mothers estate. We are asking the Consumer Financial Protection Bureau to assist us in bringing resolution of an issue that we have with US Bank in the redemption of an unsurrendered CD. On or around XX/XX/XXXX, I attempted to redeem a Certificate of Deposit ( CD ) that was purchased by our mother on XX/XX/XXXX, through Security First Bank. Security First Bank as been acquired by US Bank. The Certificate in our possession was not been endorsed or surrendered, and we have no record of that the CD of ever being surrendered. Due to its date of purchase US Bank did attempt to review their archive records. They stated their policy retention of their records did not go back that far ( seven years ), Their search of records did not did locate our mothers CD or any information regarding its surrender, or transfer to an electronic account. Because we have the original unsurrendered CD, we made repeated attempts to resolve the matter with US Bank. Our belief is that the original CD is proof that the CD was never surrendered, and it is the responsibility of US Bank to provide documentation that it has been surrendered, not ours. If there is no record, we expect US Bank to fulfill its obligation as the financial holder of the CD, and allow us to bring the CD to US Bank to redeem the CD, and payment of the value of the CD and any interest accrued. As the personal representative of our mothers estate, it is my responsibility to ensure all accounts have been properly closed out. US Bank told us that while there is not record of its surrender. They presume that the CD paper record at some time was converted to an electronic account. There is no record or documentation of this happening. There was nothing further that US Bank could do, and if leaving up to us to pursue if we wished. This is opinion, not documentation. If it has not been documented, it did not happen. Following our conversations with US Bank, we did attempt to locate records of the CD account being surrendered or closed through our mothers tax advisor, and the IRS. There were no records of the surrender though my mothers tax advisor. We never were able to get records from the IRS. As the personal representative of our mothers estate, we are asking for assistance in bringing resolution to the surrender of this CD. Thank you for your time. | ||||||
| 02/08/2020 | Yes |
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| I have asked US Bank to generate a payoff statement for a judgment they filed in XXXX on a credit card with the number XXXX XXXX XXXX XXXX. I have been trying for many weeks to complete the sale of two properties. The title company has been forced to delay the closing over and over because US Bank will not respond to repeated requests for the payoff statement ( that they need to add to the closing statement ). The title company is telling me that the buyer ( who has been very patient during all these delays ) does not want to continue extending the closing every two weeks and may cancel the contract rather than extend the sale date again. So I may lose the buyer that I have for the two properties. That poses a dire hardship for me. I asked the tenants in both properties to vacate in XXXX so the properties could be sold in XXXX. Because US Bank will not send the payoff statement to the title company, I have been forced to pay all expenses for these properties ( mortgage, condo dues, real estate taxes, utilities month by month while waiting for the bank to generate the statement. The matter is extremely simple : This credit card debt was included in a Chapter XXXX case filed XX/XX/XXXX. The debt was included in Schedule F ( the pot of money to be shared among the unsecured debtors ). The plan specified that I was to pay US Bank 24 quarterly payments of {$43.00} each. However, only 10 payments were made back in XXXX and XXXX. I think the bank is owed an additional 14 payments totaling {$600.00}. I am wanting US Bank to send the payoff amount to the title company so I can close on these properties this month. My bankruptcy attorney XXXX XXXX sent the Chapter XXXX plan to management staff in the bankruptcy division at US Bank. He included the Schedule F listing US Bank as an unsecured creditor. He also sent the coupon signed by US Bank in early XXXX indicating that the bank would agree accept its share of the " pot of money '' to be shared by unsecured creditors. I have to make some decisions about what to do with the properties if US Bank decides NOT to acknowledge the Chapter XXXX nor the coupon. I have had many, many conversations with bank staff but can not obtain a payoff statement. Please reach out to the legal counsel at US Bank and ask an attorney there to help on this matter. I also need guidance on how to get some reimbursement.for my losses. XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/26/2019 | Yes |
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| I am working with US Bank and XXXX XXXX XXXX on a {$32000.00} wire transfer. I called US Bank to input the wire transfer numbers into the XXXX form. The US Bank representative gave me all the routing and transfer numbers. I read each area of form to US Bank representative and they gave me the information to input. IA few days later XXXX actually did the wire transfer. Days later I had not received the money. I called US Bank and talked with XXXX and she said there was no {$32000.00} wire transfer on that day ( XX/XX/2019 ) I then called XXXX and they said yes and they have confirmation that US Bank received it on that day, and sent me the documentation. I called US Bank back and talked with the manager XXXX in Wire Transfer in XXXX XXXX, MO. She said she found the wire but I could not get the funds. I said I have multiple bank and loan accounts and I can go in with my drivers license and get it. She said there is an error and only XXXX can fix it. I called XXXX and they gave me information to talk with US Bank and US Bank said even though my name is on the funds it is not in their policy to resolve this with Affinity. I said, isn't the wire suppose to reject if the name and account number don't match? She said she could do nothing. I emailed XXXX and back and forth I went. They both blamed each other and said there was nothing they could do. Now it is XX/XX/2019 and I called a US Bank Branch Manager and asked for help. He called back and said it is on XXXX. I said I talked with US Bank and Affinity and they both say it is each others issue and US Bank would not help at all despite the {$32000.00} being in their hands. Many hours and phone calls and days have gone into trying to get this money. At the same time, now I am paying interest on 2 loans! The US Bank Assistant Manager just called me and said he talked with US Bank wire department and with XXXX and he thinks he has it worked out. It is Friday XXXX. If the bank closes I have gone another week without money that legally is supposed to be in my account within a couple days or rejected and sent back to the sending bank. Not only does this break many wire transfer regulations, it is totally irresponsible for the bank to not take steps to get an error fixed when they know there is an error to get it fixed. US Bank Wire Department is just letting the money sit in a US bank account and doing nothing to fix an error that was reported to them. | ||||||
| 08/17/2023 | Yes |
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| I trust this letter finds you well. I am writing to address a matter of utmost urgency and concern that I have been facing with my US Bank account. It has come to my attention that my account has been compromised due to identity theft, resulting in unauthorized access and fraudulent activity that I had no involvement in. I was shocked to discover that my US Bank account was no longer accessible. Upon further investigation, I learned that unauthorized individuals had gained access to my account and engaged in fraudulent transactions without my knowledge or consent. This has not only put me in a distressing situation but has also caused significant financial harm. I would like to emphasize that I have taken all necessary precautions to safeguard my personal and banking information. I have not shared any confidential details, passwords, or security codes with anyone. The fact that my account was still breached raises serious concerns about the security measures employed by the bank. I have since been in contact with your customer service representatives, and while they have been sympathetic, I have not received the level of assistance needed to rectify this situation. I have been left to bear the financial burden of transactions that were carried out without my consent. I understand that incidents of identity theft can be complex to resolve, but I am hopeful that US Bank, as a reputable financial institution, will take immediate action to investigate and rectify this matter. I request a thorough investigation into the unauthorized access to my account and a comprehensive review of the fraudulent transactions that have taken place. Furthermore, I urge US Bank to work with me to ensure that the financial losses incurred due to this incident are fully reimbursed. It is deeply distressing to be held responsible for transactions that were orchestrated by malicious individuals who have taken advantage of security vulnerabilities. I appreciate your prompt attention to this matter and kindly request that you provide me with a detailed plan of action for resolving this issue as soon as possible. Enclosed with this letter are copies of documents that support my claim of unauthorized access and fraudulent activity. Thank you for your understanding and assistance in this matter. I look forward to a timely and satisfactory resolution that will alleviate the financial strain I am currently experiencing. | ||||||
| 09/02/2017 | Yes |
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| Please be advised that this office represents XXXX and XXXX XXXX in connection with an effort by XXXX and XXXX XXXX to have their home loan modified. This file is much more than bare numerical calculation of expense and income, and it is our desire to be able to speak directly with the decision maker on this file. We are setting forth in this letter, reasons we feel warrant a forgiveness of the entire loan balance in this matter. As a reflection of both their good faith and dire need for a correction of the past deeds of U.S. Bank Home Loans, XXXX and XXXX XXXX are now coming to you and your company to enlist the support for a full principal loan balance forgiveness of the mortgage on their home. Per our borrower 's authorization that is enclosed, please direct all correspondence and communication on this file to our offices, and not to XXXX and XXXX XXXX. That is the desire and request of our clients, as per the authorization. If there is any further action that we need to take, and documents that we need to submit, in order to proceed in this fashion, please let our office know. In the past, my experience with U.S. Bank Home Loans, has been there is some disorganization and/or misdirection in the modification application process. I am sending this communication directly to your offices in the hope that this will be the efficient manner to facilitate a loan modification on behalf of our client. In addition, upon receipt of this package, I am requesting that the person on your staff who has the authority to speak with XXXX regarding our concerns would contact me immediately to review with me any additional information I would need to submit to arrive at a modification which is successful to my clients, as well as to discuss what we believe to be reasonable and appropriate terms of such a modification. This loan contains a " Balloon Note, '' dated XXXX XXXX, 2007 at a 9.375 % interest rate, in the amount of {$120000.00} ; is a predatory loan, and must be completely forgiven. This loan was a scheme on the behalf of U.S. Bank to further entrap them in their home. XXXX and XXXX XXXX have suffered through a number of Legal Offices which have coerced them into spending money for a loan modification ; these Legal Offices have been reported to the Proper Authorities, as they did nothing to help XXXX and XXXX XXXX to keep their home from foreclosure. Very Truly Yours, XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/31/2017 | Yes |
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| On XX/XX/XXXX through XX/XX/2017, my debit card number and pin were stolen and money was fraudulently taken from my US Bank account, XXXX separate ATM withdrawals XXXX for XXXX, XXXX for XXXX and XXXX for XXXX each, a total of XXXX. The bank allowed them to take my account over XXXX in the negative which caused XXXX in overdraft fees, this is something I virtually never do which makes me wonder why the fraud department did not catch this as fraudulent activity. But they did not catch this fraudulent activity, however ; I noticed it and reported the fraud on XX/XX/XXXX. I was informed I must submit a document which they would email me, I never received the document in my email, so I went to a branch to fill it out and have them fax it in, which I did on XX/XX/XXXX. They informed me that I could not have provisional access to the funds ( totaling XXXX ) for at least 10 business days. I asked when that would be and was told the money would be back in my account on Tuesday XX/XX/XXXX. And yet today, still no money. I called back today and was told that whoever told me that was mistaken and it wo n't be until XX/XX/XXXX, a full 19 days after the fraudulent activity. The criminals were not only allowed to take my account into the negative ( something I can not do ) they also exceeded my daily limit for withdrawals from an ATM. Why the bank did not catch this has not been explained to me. I have a 5 year pattern of withdrawing funds from the same ATM twice a month, and virtually never deviate from this pattern. The criminals who stole my debit card information greatly deviated from this pattern and still US Bank 's fraud department noticed nothing suspicious. The fraud department has not been in the least bit empathetic or willing to help during this time period. Having over XXXX taken out and not replaced for going on three weeks has to say the least posed difficulties. As soon as this is resolved, I will be moving my banking business to another financial institution. When I voiced these concerns to several fraud department employees they all had the same canned response showing that they really have no concern for the well being of their patrons. I strongly encourage all US Bank customers to carefully think about seeking alternate banking arrangements so you do not suffer the same difficulties in the event your card is compromised, something which is sadly inevitable in the world in which we live. | ||||||
| 07/31/2017 | Yes |
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| On XXXX XXXX, 2017 efforts were put underway to begin a loss mitigation option for the U.S. Bank loan # XXXX with the property owners, XXXX and XXXX XXXX. As their listing agent was asked to begin communications directly with US Bank on XX/XX/2017 after the property owner had been in contact with an XXXX XXXX at US Bank since that XX/XX/2017 date. US Bank was, at that time, willing to look at a loss mitigation option of a short sale. See attached email thread showing that conversation. An offer that exceeded the appraisal value that US Bank had shared with the property owner of {$25000.00} was submitted to US Bank on Thursday, XXXX XXXX, 2017. At that time XXXX XXXX was out of the office and one of her co-workers, a XXXX, was handling her files. The offer was seen in the US Bank system on XX/XX/2017 but was not yet being processed. We followed up with a call on XX/XX/2017 to check on the progress of the offer after XXXX XXXX had returned. On that date I initially spoke with a XXXX who curtly informed me that the loss mitigation options were being denied for an undisclosed reason and that a subpoena from a court would be required to get the reason why this was happening to be disclosed. I immediately emailed XXXX XXXX and she returned my email with the following statement : " Good afternoon, She was correct, at this time we are unable to extend loss mitigation options including modification or liquidation options on the account. This decision was not a result of the underwriting/negotiations review which would not fall under the acts you mentioned. This was a result from an internal bank audit and a subpoena would be required to obtain the bank confidential information that lead to this outcome. Because of the audit, we were unable to proceed with the review and the file is being processed for denial. The borrower would need to obtain funds to provide a full payoff in order to release the lien and avoid further foreclosure action. '' XXXX XXXX Relationship Manager | Default Counseling | Mortgage Servicing p. XXXX ext XXXX | XXXX XXXX | XXXXXXXXXXXX | Hours : Monday-Friday XXXX-XXXX EST U.S. Bank XXXX | www.usbank.com There is, we believe, a requirement for any lending institution foreclosing on a property to disclose any reason or cause as to why the loss mitigation option being processed was denied. US Bank is refusing to disclose that reason unless ordered to by a court. That 's not right. | ||||||
| 09/12/2023 | Yes |
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| Fidelity was undoubtedly negligent in handling the dispute against XXXX for the amount {$350.00}. Detailed evidence was provided to Fidelity in a timely fashion contained within the forms and subsequent photo evidence and that supported the following : **in response to my reaching out to return the product**, XXXX had promised in multiple formats ( communication with their agent XXXX ) not to worry and that a refund would be issued ( website plus communication with their agent XXXX ). XXXX ultimately prevented my being able to use the very return policy that they themselves detail by failing to provide a return address ( and return ID ) upon explicitly contacting them regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to XXXX 's large network of warehouses. XXXX never provided these necessary details, despite the evidence explicitly demonstrating that I did reach out to XXXX regarding returning the defective merchandise. All of this was also explained to Fidelity Cardmember Services agents over the phone multiple times in great detail. Fidelity also claimed that the case processor was " unable to reach [ me ] or leave a voicemail '' ; this is despite a ) other callers were able to both reach me and leave voicemails without any issue during this same period, b ) no Fidelity numbers were blocked, and c ) at least one Fidelity Cardmember Services agent confirmed over the phone that this is a common problem that they hear from other Fidelity customers despite these customers having working phone lines and voicemail boxes. Kindly note that the section 45 of the enclosed Cardmember Agreement that your team references does detail small claims court as being exempt from the arbitration process. " The merchandise was not returned '' because it physically could not be returned by the customer due to the merchant 's failure to engage in and provide, upon request, order-specific return details ; hence, " rights to assist [ the customer ] further through the Visa Dispute Process '' do remain. Fidelity 's negligence in investigating this dispute also remains, as do the customer 's rights to pursue Fidelity for those losses irrespective of the merchant 's actions. Your team 's actions in response to this complaint will be important in determining next steps associated with this investigative negligence. | ||||||
| 02/14/2019 | Yes |
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| I have a mortgage loan with US Bank. In XXXX, 2018, I sent a letter to US Bank requesting cancellation of my PMI. In previous correspondence, US Bank informed me that I would need a current appraisal to cancel my PMI. In the letter they sent me, they informed me that the estimated appraisal fee would be {$1300.00}. The letter indicated " if the cost is less, we will issue you a refund or you may request the overpayment be applied as a principal curtailment. '' I sent them the check and a letter requesting to move forward with the PMI cancellation process. In my letter, I also indicated that an appraisal in my area only costs around {$800.00} so I expected a refund of the difference. The appraiser completed his inspection in XXXX and sent the report to XXXX. When I talked to US Bank about this, they informed me that they use XXXX for appraisal ordering. In XXXX, I called US Bank to inquire about when I would expect the remaining money to be refunded. I was informed by US Bank that the invoice they received was for the full {$1300.00}. I immediately contacted the appraiser and requested the invoice. I have worked in the XXXX XXXX in my area for 20 years and had never heard of a single family appraisal costing {$1300.00}. The appraiser told me that he couldn't give me a copy of the invoice, however, he also informed me that he did not charge more than {$650.00} for the report. I have included his fee schedule that is consistent with his claim. I called US Bank and presented them with this evidence. They reiterated that the invoice they received was for the full {$1300.00}. I requested, in writing, confirmation from US Bank that their invoice was in fact for the full {$1300.00}. I have also included this letter. It appears that XXXX paid the invoice from the appraiser for {$600.00} to {$650.00} and kept the remaining {$730.00} - {$780.00}. The amount that XXXX kept was more than twice the amount of the actual appraisal. I believe that I was intentionally misled during this process. There should be no reason the fee for this service should cost more than 100 % of the actual cost of the report. I have attached the following documents to support my complaint : PMI cancellation instructions from US Bank Request for cancellation from me to US Bank Fee confirmation letter from US Bank Fee schedule from the appraiser Copy of page 1 and 4 of my appraisal to show the client who ordered the report | ||||||
| 11/20/2019 | Yes |
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| I opened a Business Checking account and Platinum Money Market account in branch at US Bank on XX/XX/XXXX, providing the promotional code XXXX at the time of account opening ( documentation of the original offer in full is attached below ). The banker made sure the promotional code was correctly entered. The promotion offered a {$400.00} bonus when the terms were met. The terms of the offer were : 1. open a Business Checking and Platinum Money Market account between XX/XX/XXXX and XX/XX/XXXX, and 2. Deposit {$5000.00} via ACH, Direct, Mobile, or Wire deposit within 30 days. It was also suggested at the time of opening that the account fees would be waived for the first three months of service. As per the terms of the offer, I opened my account within the proper time frame ( XX/XX/XXXX ) and deposited {$5000.00} into my account via ACH on XX/XX/XXXX ( which was within the first 30 days of account opening ). The documentation of this ACH deposit is attached below. As per the full terms of the offer ( documentation attached ), I should have received my bonus from US Bank within 45 days of deposit ( which would have been XX/XX/XXXX ). I did not receive the bonus and reached out to the main US Bank phone #. I was told by a representative that I would need to contact my local branch directly. Over the next six weeks I sent 11 emails, most of them unreturned, made multiple phone calls ( in which I was told to call back at another time ), as well as visited the branch in person ( my banker was not in ) to try to resolve the issue. The banker replied via email on XX/XX/XXXX to simply to restate the terms that the US Bank main office said I needed to deposit {$5000.00} in the first 30 days of account opening to receive the bonus. I replied that I did, as documented below, on XX/XX/XXXX. I have received no additional response since, even after following up several more times. Even though I met all the specific terms of the offer ( as documented in detail ) and attempted to resolve this situation in good faith on multiple occasions, I was unable to get the issue addressed, and still have not received the bonus. US Bank has not honored their end of this promotion, and my many attempts to resolve this have gone ignored. I am respectfully requesting that this promotion be honored and {$400.00} credited to my account, in addition to two months statement fees reversed ( for XX/XX/XXXX, and XX/XX/XXXX ). | ||||||
| 10/28/2017 | Yes |
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| I opened a US Bank XXXX XXXX account online on XXXX/XXXX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XXXX/XXXX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XXXX/XXXX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XXXX/XXXX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received. I filed a complaint with CFPB on XXXX/XXXX/XXXX ( complaint # XXXX XXXX, stating the above facts. On XXXX/XXXX/XXXX, I received a response from US Bank via the CFPB complaints portal that denied my claim based on the patently false assertion that I opened the account on XXXX/XXXX/XXXX - when in fact the account was opened one month prior, on XXXX/XXXX/XXXX, which was very much during the eligibility period for the {$200.00} bonus. US Bank has engaged in a bait-and-switch tactic and is now denying me a bonus for which I clearly qualified according to the terms of the promotion. I am therefore refiling this complaint, along with the necessary documentation to refute the false assertion made by US Bank 's representative, XXXX XXXX XXXX. In this refiled complaint, I am attaching : ( 1 ) the response from US Bank that contains the false assertion used to deny my initial complaint to CFPB ; ( 2 ) a copy of an e-mail received from a US Bank representative on XXXX/XXXX/XXXX to confirm that my account had been successfully opened ; and ( 3 ) copies of my XXXX and XXXX checking account statements, with the dates of each of the qualifying bill pay transactions highlighted. I trust that this documentation clearly demonstrates I complied with the terms of the promotion. | ||||||
| 03/19/2022 | Yes |
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| Hello. Around XXXX I was paid by XXXX by my employer and was at home and asleep in bed when that money from my job was loaded to my direct deposit card. As I awoken at XXXX. I turned to call my partner from my cell phone shortly after we hung up I went to check my phone around XXXX to discover at the same time my card was hacked around XXXX to about XXXX three illegal transactions were made one was for XXXX the next was for XXXX XXXX all from a XXXX in XXXX. Mind you I am about 10 to 12 miles from XXXX XXXX XXXX. And its would truly be impossible for me to be in two places.. my gf helped me look up the bank it happened at around XXXX she called in my behalf to see if she can possibly find out if the camera at the at it happened at caught the person but they refused to tell her anything if course. But at the same time at XXXX I went to my employer and had to pick up my proof of XXXX check stub to prove this account was my account that got hacked.. I was told they needed my pin but knew this happened to me before from a security guard company that also had eazy to hack pay roll cards cus I was hacked from an entirely different state 3 years back and the money was return months later. But in this issue it happened so fast I wasn't able to freeze it because it happened as I was looking to make an in home bill payment and didn't even process it because there was only XXXX left in my payroll card account. I called the US Bank focus card customer service hotline to start the dispute but they are lagging to send me any documents to prove this information as fact the are doing the investigation but how is it that me and my XXXX XXXX figure this out faster then my payroll card company I was XXXX. I gave no one my card info or my bank pin to use this so my only fear is that this person whom ever they maybe has been either using an old cell phone that was stolen month back which did have info but not my pin but how idk I am aborting this issue because my phone was stolen at a job site then I have a new phone and secure all info with protective codes. So for this hack to happen at an early morning time where I can prove I was home the whole time makes no sense by the end of the day I am left feeling robbed pushed aside and insulted over this action of fraud an false identity and illegal transaction of thift.. This happen at XXXX XXXX .early.friday morning XX/XX/2022. I was home. Please help me | ||||||
| 06/03/2017 | Yes |
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| I have a us bank reliacard that my child support is deposited on. I had not used the card for some time to save up XXXX knowing my daughter was having XXXX onXX/XX/XXXX and i would have to pay the copay. I went to use the car at the hospital and it was declined. I went to a us bank location and it was declined there too. I called customer service at approximately XXXX XXXX and was notified the card was deactivated due to a unotherized deposit that doesnt match a withdrawal. After going through several managers i was told i needed to contact the the company making the deposit and cancel it. I called the company and they can not remove it as its been processed buy reliacard. I asked for the date of original purchace and it was a deposit of XXXX i paid for home security onXX/XX/XXXX. They held the deposit through my contract of XX/XX/XXXX. I then called reliacard customer service back and notified them of the dates and was told they dont keep records that long and XXXX would have to fax them all the info they have. XXXX does not fax but the could email how ever reliacard refuses to give me a email stating it can only be faxed. Besides that XXXX returned the payment with my card # that had expired in XX/XX/XXXXbut reliacard deactivated my current card that has a completely diffrent # and refuses to reactvate untill XXXX faxes them the paperwork. The management has refused to return my calls and actually had one manager lady tell me there is nothing i can do this is a goverment agency and my account is being investigated by their federal investigation department for money laundering. I am a XXXX XXXX with limited funds and rely on this money and in this circumstance for a childs XXXX. I have found hundreds of complaints about Us bank reliacard for these exact circumstances. I have asked numerous customer service representatives, managers and supervisors for the number and name of this federal investigation agency but they all have refused telling me the dont have a name or phone number. There is something going on with this company that may not be legal and is certainly unethical. Ultimately they have deactivated my current card due to accepting a return of a deposit being returned with a card that expired nearly a year ago without notification. I dont know how im going to get the money back as us bank reliacard is unreasonable with their demands and telling me its my problem not theirs. | ||||||
| 10/20/2016 | Yes |
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| XX/XX/2016, I purchased a {$200.00} U.S. Bank MasterCard prepaid gift card at a retail store. I immediately brought the card home and kept it secured in my home. On XX/XX/2016, unbeknownst to me, my card was debited {$160.00} for an online payment to XXXX power company. I did not authorize this charge. I do not and have never lived in California and have never had an account with XXXX. In fact, as of XX/XX/XXXX, I still had not ever used my card and it was still secured in my home. No one else had ever seen my card or card number except for me. On XX/XX/2016, I was preparing to use my card for the first time and checked my balance online. I then discovered the XX/XX/XXXX unauthorized {$160.00} debit. I used the remaining {$37.00} on my card and then called U.S. Bank to dispute the {$160.00} charge. U.S. Bank asked me to submit my dispute in writing and I promptly did so ( Exhibit 1 ). On XX/XX/2016, U.S. Bank wrote back asking me to submit additional information to process my claim ( Exhibit 2 ). I promptly provided this information ( Exhibit 3 ). On XX/XX/2016, U.S. Bank wrote back stating that the funds were withdrawn in error and that the funds would be returned to me : " We found that an error did occur and are closing the claim in your favor. A credit of {$160.00} will be made to your account on XX/XX/2016. '' U.S. Bank further stated, " The claim is closed and the credit is considered final. '' ( Exhibit 4 ) Despite this final notice from U.S. Bank resolving this claim in my favor, the funds were not returned to me. On XX/XX/2016, I called U.S. Bank to ask why my funds still had not been credited to me as promised. XXXX, a U.S. Bank phone representative, stated that after sending the XX/XX/XXXX letter to me, U.S. Bank reversed its " final '' decision and now would not release the funds. U.S. Bank had never notified me that it was still holding my funds and that it in fact would not release them, and could not tell me why this final decision was reversed. In summary, I disputed an unauthorized charge on my prepaid gift card and U.S. Bank made a " final '' determination in my favor and promised to return the funds to me. Despite this final determination, U.S. Bank is still refusing to return the {$160.00} to me. I request that U.S. Bank return these funds to me, preferably in the form of a check since I do not want to risk these funds remaining on a U.S. Bank gift card. | ||||||
| 09/17/2016 | Yes |
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Web | Servicemember |
| Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. Thank you. | ||||||
| 07/01/2016 | Yes |
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| After issuing us an initial Closing Disclosure on XXXX/XXXX/2016, US Bank Home Mortgage increased our Cash to Close amount from {$13000.00} to {$14000.00} by issuing XXXX additional closing disclosures which increased the costs and fees that we needed to pay on the loan at close. It is importantly to note that NONE of these subsequent closing disclosures honored the required three business day review period before our closing date of XXXX XXXX. Their blatant disregard for the new Dodd-Frank regulations was apparent when I complained to our loan officer on the afternoon of the XXXX and then talked to his manager on the morning of the XXXX after an additional {$500.00} fee had been added the morning of the XXXX. During my call with his manager on the XXXX, I requested that they honor their original cash to close amount due to the three business day review period in the Dodd-Frank Act and they responded that if I did not provide the full cash to close amount from the second XXXX XXXX disclosure that they would not process our loan ( and thus my wife and I would be in breach of contract with the selling party ). Their deliberate coercion and bad faith in lending through the last-minute fees was obvious when I found that the final version of our closing disclosure decreased our total amount to close by {$53.00} because they had EXCEEDED the legal limit they could charge us in the previous closing disclosure. Also, this loan was begun long outside of their required 45-day processing period, had originally had a closing date in XXXX and the loan had left underwriting on the XXXX of XXXX. Thus, there is no defense or excuse possible for violating the three day review period requirement. Instead, it appears to have been done entirely based out of either gross negligence on the part of US Bank Home Mortgage or a calculated approach to take more money from their customers. Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence. | ||||||
| 08/15/2018 | Yes |
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| On XX/XX/2018, I received a response from CFBP complainant # XXXX. The response was a compromise from US Bank lowering the original quote of 1 % of the original loan amount to 0.25 % of the current loan amount as a fee/penalty for removing the escrow account and allowing us to pay our taxes and insurance ourselves ( see below attachment ). The response advised that we needed to send a written request to a specific entity with US Bank. We sent an email and a certified letter to the location that the specified. In this letter, we asked if the fee included clerical fees to amend the mortgage agreement that they purchased from XXXX XXXX in order to avoid paying the fee again should US Bank immediately turnaround and sell our mortgage. I received notice that US Bank received my email on XX/XX/2018 and I also received notice that US Bank received notice of our letter on XX/XX/2018. To date, I have sent additional emails with no response. I have called US Bank customer service as well as the number that they placed on the response to my last CFBP complainant. I have been transferred to voicemail and have left numerous voice messages. The automated message on the US Bank voice message advised that a return call would be placed within one business days. I can not get a response out of US Bank and at this point I feel as if they are refusing to reply. I know they have our contact information, as they are punctual on sending out monthly mortgage payment request. We are a month ahead on the mortgage and I have an excellent credit score. We are simply trying to eliminate our escrow account, as they are charging an additional XXXX dollars a month as a " cushion '', then taking their sweet time to refund us the money at the beginning of the next year. We need this money for day to day expenses. Why should S Bank us my money for investment or gain interest on my money all under the guise that they hold the money as a cushion for set yearly Taxes and Insurance? CFBP as successfully reduced US Banks willingness to charge me fee from 1 % to 0.25 %. Thank you. Could you please determine why US Bank is now refusing to respond to my request to remove the escrow account ( as brokered by one of their agents ). I have attached the last two correspondence, since the original CFBP complaint was filed. We are frustrated that we have to file a complaint with you in order to get US Bank to even acknowledge us. | ||||||
| 09/16/2019 | Yes |
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| XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a payment. | ||||||
| 04/09/2023 | Yes |
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Web | Older American, Servicemember |
| On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to US Bank. US Bank attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned US Bank and advised them of the fraudulent application and ensured my existing accounts with US Bank were secure. At that time I also confirmed with US Bank that my telephone numbers and address were correct. On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at US Bank. XXXX instructed me that since the address was reported to them directly by US Bank, only US Bank could have the fraudulent address removed. I immediately contacted the US Bank 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. On XX/XX/23 at approximately XXXX XXXX I accessed my US Bank online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called US Bank to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to US Bank. This is extremely unsatisfactory. I am currently overseas and having to mail US Bank will take a long time and meanwhile my credit reports will contain, because of US Bank 's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. Not only is US Bank making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts. | ||||||
| 05/24/2020 | Yes |
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| In XXXX, we went to XXXX and my wallet was stolen. We called all of our banks and asked them to cancel and reissue the cards that were stolen. We thought that took care of all of the issues, but apparently we were wrong. Fast forward 3 months and we receive a letter from US Bank stating that our credit limit would be decreased on a personal line of credit because we were past due in making payments. As we have not used this account in years, we assumed it may be fraud. Nope, just a bank charging fees that they never told us about and that we never agreed to, and then layering fees on top of those fees. Apparently US Bank decided to charge a " rush card fee '' of {$15.00} on XX/XX/2020 when we asked that our card be replaced. We were not told this fee would be charged and would not have agreed to it as there was no " rush '' involved. We hadn't used that account in years and were simply trying to be diligent to avoid fraud. Apparently US Bank saw it as an opportunity to increase fee revenue without telling us ( neither XXXX nor XXXX XXXX charged fees to cancel and replace our cards - apparently taking advantage of customers worried about fraud is not their thing, it is a US Bank thing ). To compound problems, they never sent a letter telling us they levied the fee, instead charging interest on the fee and assessing late payment fees on the fee ( below are the only charges on this accoun ) t. We have had several accounts with US Bank over the years and do not miss payments and otherwise pay them what is owed. However this is impossible to due when they assess a fee you don't agree to, layer fees on top of fees, and wait three months of accumulating fees until they decide to send a letter that says " hey we're reducing your credit line because you aren't paying us. '' Imagine the shock to a customer who receives that letter who has a top tier credit score and never misses the payment. XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Annual Membership Fee {$0.00} XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Rush Card Fee {$15.00} Thank you for this attention to this matter. If US Bank is willing to have practices like this with long time, paying customers, I can only imagine the tactics they are taking with vulnerable customers. | ||||||
| 07/13/2017 | Yes |
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Web | Servicemember |
| I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus thanks. | ||||||
| 06/25/2016 | Yes |
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| Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why? | ||||||
| 10/09/2015 | Yes |
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| A XXXX XXXX XXXX of US Bank XXXX XXXX XXXX on XXXX/XXXX/15 manually adjusted a check deposit out of a checking account weeks after it had cleared the maker 's bank. At no time have I been issued any notice or option to dispute. They have refused to comply with Cease and Desist so that I can pursue dispute. They have refused to cooperate with external mediation so that the dispute can be resolved. They have refused to issue any form of document regarding how much they claim they are owed on an account that had overdraft protection on a linked credit card account that I was able to pay and close. They blocked deposits or other payments to the account at issue at the same time as the manual deposit. They have only vaguely stated they want cash only delivered in person only to only XXXX XXXX XXXX Branch Manager of US Bank XXXX XXXX XXXX who as in this is not likely to credit the account at a national bank that has no possible options to do so. I do n't live in or bank with that branch at the time or since as one whose ATM never worked either. They retaliate for seeking external mediation. And have completely blocked even paying while continuing to escalate extrernal credit reporting damage and stalking me personally harassing me up to 3x a day with the block of payment, refusing to do other than issue another completely different false claim, taunt, harass while I am at work taunting about falsifying the entire thing, etc. They have in the XXXX and XXXX suburban areas of US Bank as well as MN Fraud Division for all of XXXX, refused to comply with Cease and Desist so that I could pursue dispute and resolution of this false claim. They continue to and take all these actions with fraudulently created debt which is against the law directed at anybody or any type of entity. I am being harassed so continually and methodically, including the XXXX XXXX and other taunting up to 3x a day, that US Bank has become violently dangerous to my personal safety. They are disrupting and forcing cancellations of necessary health care XXXX, etc. The time and money they are gouging about this dispute are also in XXXX dollars by now and irreparable damage has been done over this nearly 2 month time frame of illegal collections, illegal credit reporting, and illegal personal stalking to the point of a computer cartoon entertainment on the part of US Bank employee who continues to orchestrate it. | ||||||
| 12/29/2022 | Yes |
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| This complaint relates to US Bank account number XXXX. ( co-borrowers XXXX XXXX and XXXX XXXX ). We have had this loan with US bank for approximately 6 months and have never incurred a late payment until we tried to schedule the monthly payments to auto-draft. For the months of XXXX and XXXX we mailed one payment and called in the second payment. Both were made timely even though there were issues receiving the monthly invoices. To avoid the issue of receiving the monthly invoices, in XX/XX/2022 I signed the necessary paperwork to allow my bookkeeper to enroll the payments to be auto-drafted. My bookkeeper confirmed that all payments forward would be paid via auto-draft. The same month, XX/XX/2022 my bookkeeper contracted XXXX and has been off work on XXXX thru to date. I am unable to communicate with her about this payment or any other issue. Immediately upon learning that the XXXX and XXXX payments had not been made and confirming with my bank no auto-drafts had been executed, my new bookkeeper made both the XXXX and XXXX payments on XX/XX/2022. Additionally, the new bookkeeper made sure to schedule the payments to auto-draft in XX/XX/2022 and forward thru the term of the loan. My new bookkeeper has confirmed that the XXXX payment did in fact auto-draft on XX/XX/2022 and can see online that the XXXX payment will draft on XX/XX/2022, In the interim, US bank XXXX to the various credit bureaus the late payments for XXXX and XXXX which drastically impacted my credit score. I have never had late payments on any of sorts and my credit score has never dropped this severely. I think it's unfair of US bank to report me and my partner to the credit bureaus when we were not receiving invoices and trying our best to set-up the payment to auto-draft to avoid the issues we are now facing. I can't communicate with my bookkeeper who is out on leave because of health reasons or I would check to see if she had any communications or confirmations in XXXX when she originally tried to schedule the auto draft. We were unaware that the account was delinquent until an email was received by our accountant from XXXX XXXX ( XXXX ) alerting us that the bank offers hardship options. Even two months overdue, we had not received a notice in the mail alerting us that the payments were delinquent. We received the email from the bank on XX/XX/2022 and we paid both delinquent payments on XX/XX/2022. | ||||||
| 08/24/2022 | Yes |
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| I had a club calson hotel credit card with US bank for many many years, with a credit line of XXXX dollars, which I believe I deserve more but since I did not use it I never request any credit limit increase. Recently due to operational issue they mandatorily tried to shift my hotel credit card to USBank triple cash visa, as by that change from what I consulted I will loose all the welcome offer, I had chose to close my account and re-apply for the triple cash. Please be noted that so many years since my small business established I had never missed a payment and without any default events, so did my personal credit profile. If I reapply, I should be able to get a credit line of more than XXXX dollars. Then eventually approved for only XXXX dollars for my new application and I requested for the credit line increase and they rejected it for the following reason ( from the letter ) : 1. High balance on existing accounts That does not make sense as I have small business credit profile for so many years, 7 years at least and I constantly carry balances with my credit card, even with USbank club calson card when they have transfer promotions, it's a common financial tool should not be considered as risk. In addition, I have perfect personal and small business credit profile. What's more, during the pandemic, it makes great sense for a surviving small business to carry some balance but not default on you right? Most of companies provide great tolerance on these days, can not imagine they are being tougher. 2. Account recently opened. 3. Need 6 month payment on this account. Above 2 reasons makes no sense at all, during communication with their customer service I specifically refer to my old closed accounts have XXXX dollars credit line and had flawless payment history. By the way what does 6 payments in this account mean? Is that the way to view a credit profile? Other payments from credit bureau does not account? Only the balance on other credit card from credit bureau counts? Another bad thing about this is, which is very bad, on their welcome offer, they said 2 specific benefit which attract me, one is the spending of XXXX dollars to get a XXXX dollars cash back, and the first 15 month of promotional XXXX interest period, on top of which they gave me only XXXX dollars, it's not acceptable. They are ruining my benefit by limiting my credit line for unacceptable reasons. | ||||||
| 11/11/2020 | Yes |
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Web | Servicemember |
| Hello, I received my pandemic unemployment through US Bank Relicard. I requested a new card due to my card being lost. They sent the card to the address I requested. They then proceeded to place a fraud hold on my account without telling me. They claim it was due to a change in address. I explained I DID NOT change my address, I was out of the state taking care of an ill family member, and that is where I requested the card be sent. When I tried to activate my card, I received an error message. I then called the customer service line. They told me I was to send a change of address form to the fax # given, and I explained to them I have nothing to update/change. That is when the real issues began. They then proceeded to ask me for a copy of my license, which I sent four separate times. The fax # given is apparently for their offline team, so there is no way to verify the documents have been received by the appropriate people. They then proceeded top ask me for my taxes, W2s, bank statements, utilitie bill, social security card, and I even sent pictures of me with my actual face in the frame. I have now sent it a total of 4 times, and I have spoken with at least 8 people. I have written to the XXXX XXXX XXXX with no luck taking that route. I explained the only thing I can possibly think of for them to even have a system in place to completely leave the consumer completely out to dry, helpless, at dead end, and completely wasting frivolous amounts of time is to keep the funds that are in the locked account for immoral reasons. I have tried to ask for a supervisor, and have been told conflicting information with regards to that as well. One women said she was actively walking around their office looking for one, then told me she had to let me go because her supervisor was XXXX she was on the other line for so long, then she proceeded top hang up on me. I am at a point now that since day 1 of speaking to someone, which was XX/XX/XXXX, it has been over 15 business days. That is what I was told that even under the most extenuating circumstances would be the max, but I could expect 5 days. I told my land lord that today, XX/XX/XXXX, was the absolute latest I would have our rent to him, and US bank is yet again telling me I have to just wait for them to figure it out for us. Thank you again. I sincerely appreciate any help or anything you can do to help me navigate this. | ||||||
| 08/16/2017 | Yes |
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| This is also included In complaint XXXX. It only has US Bank listed as whom I am complaining about. But I really think it is more XXXX XXXX that has a problem. So I 'm trying to get them listed also. I have also filed a complaint with the Attorney General office Complaint # XXXX On X/X/17 My husband ( XXXX XXXX ) received a call from a documents server stating that he had documents that my husband must be home to sign he then gave another phone number for us to call XXXX with a file number of XXXX. He included me ( XXXX XXXX ) on the call to a " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Case manager XXXX XXXX. She claimed that he had an overdraft now worth over {$2000.00} ( never gave us the original amount ) for US Bank. He never opened an account with US Bank, but was concerned that maybe his ex-wife had, under his name. The debt was over 10 years old, but he felt we should pay it. XXXX XXXX gave us specifics about his social security and an old address. Never gave us proof that he actually owed the debt, but told us if we paid {$100.00} a month, in biweekly payments she could reduce the debt to {$1500.00}. That this would avoid any legal action being taken against us. That if we signed the agreement that day and provided a picture of my debt card and my drivers license that she would set up a " stipulation of settlement '' agreement. We agreed to do this, but I felt the picture of my debit card and drivers license was strange. I did give them to her and did sign the agreement. Which supposedly releases me from being able to take any kind of action or disagree with the debt. They also made a withdrawal from my account for {$50.00}. We looked up his XXXX XXXX report and they were not on there, nor on any of his credit reports ( we checked all 3 ) when confronted with this information, XXXX XXXX explained that was because we had not disputed the debt. When I spoke with my bank, they said it should have been on there if it had been in collections for the last 5 years and that they should not have had me send a picture of my debit card and license. I have since looked up the company, number, person and looks like a total scam. I have closed my debit card and had a new one reissued. XXXX XXXX XXXX ( XXXX ) XXXX are still calling us and all our family members and giving us a new number to call XXXX and case number XXXX. When we called on that nothing could be found. | ||||||
| 01/18/2017 | Yes |
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| Hi, I opened a new business account with US Bank in XXXX AZ for a new business that needs merchant services. This started XX/XX/XXXX. US Bank uses Elavon for the Point of Sale Device and referred me to an Elavon representative. I decided to purchase a device. To this date I can not not get an invoice from them and this company has taken {$1400.00} from a new business account that only had XXXX in it to start the account. I found this out because I had an insufficient funds notice from US Bank plus overdraft fees. I have since put a check in to cover the amount. I was waiting for an invoice. The representative told me it was all in the fine print when I was sent a secure email for my signature. It was not and they wo n't send me a copy of anything. They also charged me for {$160.00} that XXXX does not know what it is for and I also had a {$200.00} rebate which I have not received. Elavon merchant services has taken all of the credit card payments from customers to pay for this device as well as as I had to deposit {$1300.00} in the bank account on top of that plus the original {$100.00} I had deposited to open the bank account.. The original cost of the device was quoted to me as {$1100.00}. XXXX is the Elavon representative that I was given and she is out of the Nevada office. Her manager is XXXX XXXX phone number XXXX. US Bank has not given me any assistance and I have called names for help on up the USBank/ Elavon ladder. No one has helped me to solve this. I am afraid they will continue to take fees out even after the fact. I do not even have an itemization of their transaction fees. The sales rep would only verbally give them to me over the phone and of course I received nothing from US Bank. The Rep also said she sent me secure emails but I have no notification of her sending emails after I called her. I did receive a secure email from Elavon on XX/XX/XXXX but I contacted XXXX because I received an error message that their server could not retrieve the message. She did not resend anything. This is an issue that did not need to happen and the attitude and false statements I am being handed is an outrage. I am losing money with them and I do not know how much more Elavon plans on taking or charging me. They have extracted more than the purchase price at this point. Sincerely, XXXX XXXX RE : XXXX Az businessin XXXX, AZ Please let me know what other information you need. | ||||||
| 02/04/2019 | Yes |
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| I bought a {$400.00} Visa gift card at XXXX XXXX, to buy a plane ticket on XXXX XXXX. I went to the XXXX website and booked the ticket, paid with the card and all seemed fine until I went back to XXXX website the next day and the reservation said " ticket pending ''. So I called XXXX and they said the card was declined. So I went to the Visa card site ( I bought it at XXXX for {$5.00} ) and realized i had to register the card so i did. I called XXXX back and gave them the Visa number, expiration date and 3 digit code, to buy the ticket. Went back to website the next day, still said Pending, meaning the card was declined. So I called the XXXX/XXXX number on the activation ticket, and after being on hold for ONE HOUR!!!!! I was told I had to call Visa directly. I did, and was told that " to buy a plane ticket I need to have the purchase price plus 15 % on the card '' ( the ticket was {$370.00} and the card has {$400.00} ). When I asked what for, I was told " incidentals ''. It's a plane ticket folks, there are no incidentals! I asked where this was stated and they said in the cardholder agreement on their website. I printed out this agreement and NOWHERE DOES IT MENTION PLANE TICKETS OR 15 % above the price! I asked the " customer service rep '' where this was stated and he couldn't tell me ( and this was the " supervisor '' that I asked to speak with after the first person i talked to had told me that. ) I have bought many plane tickets, and never have I heard of this. Surely this must not be legal, what authorized Visa to take/put on hold more than the purchase price of a plane ticket? XXXX XXXX has repeatedly told me that they do NOT place a hold on any amount over the ticket price, so I am concluding that either XXXX is lying or that VISA is requiring the extra hold, which is nowhere in the Cardholder agreement. I have spoken with my lawyer, and this is considered at the least Breach of Contract and perhaps also Fraud. And what make this all the more suspicious is that no one will put anything in writing, neither XXXX XXXX attesting to the fact that they dont require a hold or the Visa people stating why my card was declined or where in the agreement it states that they can hold 15 % over the purchase price on the card. I need some help in either buying this airline ticket using the card or getting my {$400.00} plus the {$5.00} purchase price refunded to me. | ||||||
| 04/02/2021 | Yes |
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Web | Older American |
| All of a sudden US Bank, without a notice, without a warning and using XXXX decisions US Bank put my account on hold. Only today, when i was checking my Salary deposit into my account I realized they put a hold on my account. My Salary was not able to be deposited into my account. I contacted the phone number saying i should contact but they could not provide me an answer why was my account on hold. I was transferred to Fraud Department for further assistance but they too said they do not know why my account was frozen. And i was informed to contact nearest Branch to clarify the situation. I went to the nearest Branch, where I was told my account was on hold and they will delete the account and that they will send me a check with my balance. I explained to the Branch that my salary was prevented from being installed into my account and that i have loan payments and other financial obligations related to my account but they said they have no solution and refused to provide me with my money in the account. Then they explained that i was a joint holder with another account that had an issue that is being resolved as we speak. When asked what is the relevance of the other account holder to my personal account they could not provide a reasonable answer. They explained the other person 's account problem is being resolved and will be clarified but would take a week to clarify. I explained to the Branch i had salary to get and it is direct deposit so now it is lost in the cyber space and will take time to re allocated or to be paid and that i have financial obligations coming up but in vain. They said the Branch could do nothing and that it is a stupid blunder at the main office that they could do nothing about it. So practically in the USA i am denied access to my money ... ... ... and i thought that happens only in the place i immigrated from, a third world country under XXXX laws. I think the Branch decision was carried out by ethnically and racially profiling me. If they close the account i lose all my credit history, my credit score will fall down, my financial fees will rise and my plans to buy an apartment or a lot will be jeopardized. I am neglecting now my job and my study, i have college exams, and i am emotionally outraged about the situation. My ability to meet my monthly financial obligations is compromised and so my financial reputation will suffer. | ||||||
| 11/28/2018 | Yes |
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| I was solicited by XXXX XXXX to open a VISA credit card by enticing me with a {$100.00} credit if I charged a certain amount within 90 days of opening the card. They solicited me directly through the mail as well as through my relationship with Fidelity. I applied for the card in XX/XX/XXXX or XX/XX/2018. I was approved. My first charge on the card was XX/XX/2018. I have used the card extensively to meet the spending goal to receive the {$100.00} credit. I called them in early XX/XX/2018 to find out when I'd get my {$100.00} credit. They said I was not enrolled in promotion. They said I would have to send evidence that I was solicited. I sent a copy of solicitation in mail with a letter dated XX/XX/2018 to XXXX XXXX. I received a reply dated XX/XX/2018 saying they would review the account over the first 120 days to determine if offer could be applied. This confused me. I called them back on XX/XX/2018 and spoke to several people ( over one hour of my time ) and they all said they would not honor the promotion. This is fraudulent advertising. They said I didn't enter a code for the promotion when I applied online, therefore they would not honor the code. They even claimed their hands were tied because of Federal regulations and CFPB. I explained that the CFPB was not established to protect them, but to protect consumers like me from exactly this sort of behavior by unscrupulous consumer financial companies. Since XX/XX/2018 I have been solicited again through my Fidelity online account for the exact same {$100.00} credit offer. I went through XXXX XXXX 's online link for the offer just to repeat the process and see where the mysterious code should have been entered. The online application for this Credit Card had no place to enter such a code. I didn't complete this second, test application because I was simply trying to see where I might have gone wrong the first time. I am convinced that their online link to the promotional offer is set up to cause the consumer applicant to somehow apply for the card without getting the offer. The exact same thing happened to my son who applied for this credit card over the summer. I would like to get the {$100.00} credit, because that is why I applied for the card. My son should also be given the {$100.00} credit because he was directly solicited just like me and they refused to acknowledge his participation in the promotion. | ||||||
| 04/24/2018 | Yes |
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| In the first week of XXXX I moved from XXXX XXXX XXXX to XXXX XXXX. I had to change banks due to the fact there isn't a USBank for 1200 miles from XXXX. During that process I left XXXX dollars in the account, and placed a hold on the account to ensure no transactions were coming out of the account. On around XX/XX/XXXX I contacted USBank and asked them to remove the hold so I could XXXX the money to my XXXX XXXX XXXX account. During that phone call I asked them to then close the account. Over a month passes by and on XX/XX/XXXX I received a text notification that USBank had changed my address. This concerned me, as the account should have been closed, and they already had my new address. After receiving the notification I immediately called the bank and found out I had a negative XXXX dollar balance, mostly due to bank overdraft fee 's and penalties. At this time I attempted to close the account, and tried to pay what I thought was my actual expenses that came out of the account. ( I was actually double billed by my Student loan company. ) At this time I spent the next two hours trying to get them to close the account and settle up the difference of what was owed, minus and fee 's for their negligence. In this process they could not reach the right department, or could not find the right person to resolve the issue and close my account. At this point I am beyond upset, and am considering filing a lawsuit against the USBank. I need your help closing the account, removing any fee 's and help paying the actual money that I do owe to the company. During my two hours on the phone, they clearly demonstrated they should not be allowed to handle US citizens money, and the disorganization, and de-compartmentalization of the company clearly demonstrated they are attempted to defraud me as a customer. At this time, I now want my account immediately closed, and I will not be paying any fee 's or payments to close the account, including anything that was withdrawn from the closed account. This is the Banks error and they are liable for any payments withdrawn during that time. To anyone reading this statement, I do not recommend USBank to anyone, as they do not protect you as an individual customer, they care more about Bank prophets. They are a clearly should have their Business License, Operating License, Insurance, and another other US related rights revoked by the US government. | ||||||
| 08/05/2016 | Yes |
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| U.S. Bank is the current holder of my mortgage. My payment is due on the XXXX of the month and I have always paid my bill on that day. Effective this XXXX, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after XXXX XXXX XXXX on the XXXX of the month. Since I live in a XXXX, then this means the fee will be assessed after XXXX XXXX. on the XXXX of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. According to U.S. Bank, this is not a late fee. Instead, they claim that late fees are only applied after a 15 day grace period following the due date expires. This new 'online payment fee ' is not given as an 'online payment convenience fee ', XXXX that is assessed across the board for online payments, but instead as a result of paying after a particular time. That is the definition of a 'late fee. ' I am being forced to pay a late fee despite paying my bill on time. XXXX, this was not part of my original agreement. Had I known this would be the case, I would have moved my due date to later in the month. There are no U.S. Bank locations or subsidiaries in my city or nearby so I do not have the option of making the payment at a physical location. My remaining choices are then to either mail in a payment or pay the bill online. When I first set up my mortgage account and payment schedule, no such ridiculous fees were assessed and so, I chose a schedule that allowed me to pay my bill on the XXXX of every month without incurring higher undue costs. Furthermore, I was not reasonably informed of these changes by U.S. Bank and how it would affect me. I happened to find out about it because I noticed the new field on my online payment page and called in to find out what it was about. This is not the first time I have had issues with U.S. Bank assessing an unnecessary fee on my account. Last summer there was another bogus charge on my account and calls to the customer service department yielded no results. Now, I 've had enough. This bank is predatory, unscrupulous and needs to be investigated for its business practices. I did not choose them to service my loan- they bought it in the secondary market. There is not a month that goes by that I do n't wish I could easily switch to another bank. | ||||||
| 08/30/2022 | Yes |
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Web | Older American |
| A structure fire occurred at my home on XX/XX/2019. XXXX XXXX XXXX is my homeowners insurance provider and US Bank is in charge of the mortgage on my home. The Loss Draft Services department of US Bank was given a total sum of {$240000.00} from XXXX XXXX XXXX. They in turn were given the responsibility of disbursing that money to the contractor/myself. Due to Covid, the fact that my home was built in the mid XXXX 's and required special attention, and my insurance company/US Bank being slow to respond, the process of reconstruction was just completed this past spring. The contractor is missing roughly {$29000.00} of the money that my insurance company gave to US Bank to disperse. I have called numerous times and written several letters over the past few months. When you call the Loss Draft Services Department you get a different assistant with each call. You are treated with disrespect and basically called a liar. They are of no help. I have yet to be contacted by a supervisor about this matter. I am to the point of hiring a lawyer to handle this complaint. The first few disbursement checks were written out to the contractor and not to me personally so I have no way of tracking those checks with my bank. I can track the final disbursement checks because they were written out to me and I deposited them and paid the contractor. There happens to be a check from US Bank for $ XXXX that I do not recall getting and neither does the contractor. I believe that check could have been lost in the mail since I had to move around a bit while my house was being reconstructed. I have asked/pleaded with US Bank to be sent copies of all of the cancelled disbursement checks showing both the front and the back of each check. I want to see who signed for/cashed each check and where the money was deposited. I have yet to be given those checks. They are a bank and should be able to supply me with those copies in a matter of a few minutes. I am still waiting!!! I personally believe they have lost the check and just simply do not want to be bothered with my complaint. In the meantime, I am having to either refinance my house or get a home equity loan to make up for the lost {$29000.00} from my insurance company that US Bank had in their possession. Any help/assistance/information would be greatly appreciated. I am at a loss and US Bank Loss Draft Services is not willing to respond or help! | ||||||
| 07/29/2022 | Yes |
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Web | Older American |
| U.S. Bank illegally opened an extended line of credit without our permission, nor with written authorization from the Non-Profit Organization ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was opened at a branch ( which has not been divulged ) under an EIN number that had expired 10 years ago and tenure and authority changed on the account. US Bank is now trying to collect a debt under an account that has been closed, and no longer active, ( since XXXX ) and refuses to cooperate by providing copies of the alleged Agreement they allegedly had with a signature of the responsible party of the Organization. I am personally receiving debt collection calls at my home 2 x a day, XXXX XXXX and XXXX XXXX and I receive phone calls even on the week-ends. In the past I have written and tried to reach an understanding with many individuals even at the Headquarters in XXXX. I have been ignored, treated as if I did something terribly illegally wrong and US Bank is putting this burden from their inside mistakes on my shoulders. I am only a responsible Party of our Organization, not the owner. No written Debt Collection notification regarding our rights has been forthcoming. Therefore ; I ask, where is this paper work indicating who opened this line of credit and when? Here is the first contact made>>> Dispute regarding Extended Line of XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX This is just to confirm that a dispute was sent yesterday for the following Business Account in regards to alleged " Extended Line of Credit '' No. # XXXX. I am confirming that XXXX XXXX, XXXX in XXXX Ohio Branch initiated the complaint. Please respond in kind as to what else may be required at this time and/or if the dispute was received. Thank You XXXX XXXX XXXX XXXX XXXX NO RESPONSE Second Contact made>>>On Friday, XX/XX/2022 at XXXX XXXX EDT, XXXX XXXX XXXX wrote : In accordance to the Federal Investigators, your company US Bank has been ordered to refund all fees and monies owed to the abused account mentioned in this email for an extended line of credit that our organization nor myself as responsible party, agreed to in writing in accordance to Law. Unless authorized signatures are forthcoming we are allowed the refund of all fees and interest charged on the Line of Credit in the aforementioned account. Thank you. Responsible Party, XXXX XXXX XXXX' In conclusion, We need help. | ||||||
| 08/01/2021 | Yes |
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| XX/XX/2021 I receive child support benefits through the state of Oregon on a U.S. Bank Visa ReliaCard. On XX/XX/2021, I attempted to use my card to buy groceries and it was denied. I was shocked because I had nearly {$7000.00} on the card. I had been saving as much as possible to use for my daughter 's XXXX. I immediately called the number on the back of the card and after many tries and hours got through. They said that {$1900.00} had been transferred from my debit card to a bank account, not once, not twice, but three times within 10 minutes on XX/XX/2021. The following day, XX/XX/2021, {$700.00} was transferred to the same account. They then directed me to the fraud department and took me through cancelling the card. It appears someone had set up an online account in my name. They may have used the email address XXXX to change the pin, etc. That is an email address I have never seen, had, or used, nor do I have access to it, but when I accessed the account online that was the email associated with the account. It had apparently been changed from my email and no one ever informed or checked with me to insure I had made the change. I dont know what phone number is associated with the card, just that it is not my phone number which was rejected as being associated with my card. I did not make or authorize these transfers. My card was not stolen. I did not give my card information to anyone. In the nine years or so I have had the card I have never made a card to bank account transfer. I would think that these huge transfers within minutes of each other, along with personal information on the account being changed would have triggered the fraud triggers U.S. Bank is said to have in place, but I guess they did not. I filled out all the required fraud paperwork on time and properly. I can show my bank accounts, credit report, anything. The dispute claim number is XXXX. I received a letter today dated XX/XX/2021 from U.S. Banks Prepaid Dispute Resolution stating there was no error and that my child support account would remain at {$0.00}. The investigation was done extremely quickly, and I have no way of knowing what it consisted of. I would hope that when a childs welfare is on the line, a little more care would be taken to get this right. Someone stole {$6400.00} from my XXXX XXXX and U.S. Bank literally hung up on me when I tried to calmly get more information. | ||||||
| 12/02/2016 | Yes |
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| I enrolled myself in the U.S. Bank S.T.A.R.T program on XX/XX/XXXX and met goals XXXX and XXXX by XX/XX/XXXX. They sent out a XXXX $ reward for meeting reward # 1 in a timely manner but upon meeting goal # 2 on XX/XX/XXXX they have not sent out the XXXX $ reward. As per the terms and conditions listed in the S.T.A.R.T program " : Reward ( s ) will be sent to the primary savings accountholder within 30 days of goal verification. " It says on my account and via confirmation over the phone and over email that I have indeed met the requirements. To quote an email " Thank you for writing to us about not receiving your S.T.A.R.T. Rewards Card. Goal XXXX was met on XX/XX/XXXX ; however, your mailing address was updated on XX/XX/XXXX. Please contact Fidelity Information Services, our S.T.A.R.T. Rewards VISA Card vendor, at XXXX for assistance. Once the dialed, press 1 for English and your card number will be requested. Please stay on the line for additional prompts, and once prompted, select 1 to report a lost or stolen card. For your convenience, specialists are available 24 hours a day, 7 days a week. Sincerely, XXXX XXXX. U.S. Bank Email Operations Department '' I have contacted Fidelity information services twice on my own and twice with a US Bank representative and have confirmed that no card has been mailed out to my current or former address. I have made multiple phone calls starting in XX/XX/XXXX/XX/XX/XXXX inquiring on where the rewards card was. US Bank confirmed that I have met the terms multiple times but will not issue me the rewards card. On one occasion the representative claimed I did not meet the requirements even though I have multiple confirmations that I did as well as lied to me saying there were no managers to talk to and I would have to leave a message and they would call me back. Upon hanging up and redialing I got a representative that again confirmed that I have met the goals and after talking to a manager confirmed that I do qualify but they need to escalate it internally to determine what to do. I have been run around for over the past month and I 'm tired of being bounced around between US bank and their visa rewards card issuer. The representatives have been mostly nice with one notable exception but have been unable to help me at all. This should of been an automatic process and US Bank is not holding up to their end of the program terms. | ||||||
| 10/11/2018 | Yes |
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| On XX/XX/2018I made a purchase in Colorado while on a work trip for {$140.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. Part of the purchase included a product that was faulty, it did not charge correctly, so I took it back. I'm not sure of the exact amount of faulty product, as my email receipt from XXXX only has the total amount, but I believe it be {$90.00} - {$100.00}. The seller refused to refund, return, or exchange the product without a physical receipt even though I had a square receipt in my email inbox. I made a call to XXXX XXXX Visa Credit Card Services on XX/XX/2018 at XXXX to make a dispute. I relayed my story to XXXX regarding the seller refusing to return, refund, or exchange. The case was opened and a temporary reversal of the transaction was reversed. On XX/XX/2018 the transaction was re-reversed. I received a letter shortly after stating my claim was resolved, and that the charge would be placed back on my account. The reasoning as stated in the letter was that the charge was a valid charge. There was a copy of the receipt in the letter, which XXXX have may obtained from the seller or the seller 's bank. On my call to XXXX on XX/XX/XXXX, I never claimed the charge was not valid, but rather that the seller refused to return, exchange, or refund a faulty product. On XX/XX/XXXX, I made another call to XXXX asking to explain the reasoning of the letter and compare that to my original claim. I told them why I was confused, as the reason in the letter had little do with my original claim. The representative provided little information, but told me my case manager would call me with 48 business hours. I was not called back. On XX/XX/XXXX, I made another call to XXXX. I asked why I was not called back. I was not provided with a satisfactory response. The representative made inquiries with me why I believed their decision was incorrect. I had to explain the situation, and my original claim to them again. I was told I would hear something from a case manager within a week. On XX/XX/XXXX, I made another call to XXXX. I went through the same motions as before in the other calls. I had to explain my situation again, why I was requesting the dispute. The representative stated that I will receive a call from my case manager. I believe I have made myself extremely clear in this matter, and am frustrated that I have no recourse for how I am being treated. | ||||||
| 07/21/2023 | Yes |
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| To whom it may concern : US bank placed a hard hold on my joint checking bank account on XX/XX/2023 and subsequently informed me that they will be closing the bank account. Routing Number : XXXX. Bank Account number : XXXX. Account holders XXXX XXXX XXXX and XXXX XXXX XXXX, ( married ). I am writing this letter because US Bank is refusing to return to me my account balance of {$9400.00}. US Bank told me that I am not allowed to withdraw the funds at the local branch if I visit them. Instead, US Bank first told me that they will mail me a check for the balance on my checking account after 7-10 business days, which means I may not receive a check via mail for 2 weeks. Next, US Bank told me that they have the right to hold my bank account balance for 90 days while they review my bank account. Despite visiting the local US Bank Branch in XXXX, CA on XXXX XXXX, and making numerous phone calls to the US Bank fraud department, the US Bank bankruptcy department as well as the US Bank fraud liaison department, I was told again and again that nothing can be done to assist me further, and that they could not explain why they had chosen to close my account and hold on to my funds. I am in XXXX XXXX bankruptcy and my attorney also sent them two letters telling them that it was illegal for them to place holds the funds in my bank accounts, to which they said they would lift all the holds, but a hold on my bank account balance remains in place as of this date. The hold on the funds in my bank account is creating an immediate, severe economic hardship for me and my husband. The bank 's actions have resulted in reversing my mortgage payment, reversing my XXXX XXXX XXXX utility payments ( resulting in my power being cut off ), and leaving me without any cash in my pocket for reasonable living expenses ( like food! ). I have also accumulated numerous late fees and bank return fees as a result of US Banks actions. My mortgage payment, my XXXX XXXX payment as well as my electric payment have been returned and I have been charged additional late fees and bank return fees. Moreover, I am shocked by US Banks lack of customer service, downright meanness, inhumane and probably illegal behavior. It seems that US bank does not care if their actions put people on the street. Please force US Bank to return me the balance of my bank account funds immediately! Sincerely, XXXX XXXX XXXX | ||||||
| 08/29/2016 | Yes |
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| On XXXX XXXX, 2016, I learned that the US Bank FlexPerks Travel Rewards Visa Signature card and the US Bank FlexPerks Business Edge Travel Visa Signature card had a special promotion for the XXXX 2016 Olympic Games in which new cardmembers would earn a certain number of FlexPoints depending on the number of medals won by the US Olympic Team. The link for the promotion is found here : XXXX In short, each card offered a XXXX FlexPoints Enrollment Bonus for spending {$2000.00} within the first four months of account opening, as well as XXXX Bonus FlexPoints based on the number of metals Team USA won at the XXXX 2016 Olympic Games this month. I have been waiting for this promotion for years, as I have wanted the US Bank FlexPerks Travel Rewards cards for myself personally as well as my business, but I wanted to wait for the Olympics promotion. As soon as I saw the promotion, I applied that night, and was approved later the same week. For the personal card, my friend asked if I could use his referral code, so I thought I would help him out since he would get XXXX FlexPerks and I would get my XXXX Enrollment Bonus plus the yet-to-be-determined number of Bonus FlexPoints for the Olympics. After the Olympics ended, I had already completed my {$2000.00} spend on each of the XXXX cards. I saw that the XXXX Enrollment Bonus points had already posted, but nothing from the Olympics had posted. I then emailed US Bank and asked to confirm that I would receive the Bonus FlexPoints from the Olympics. The response I received was this : " Our records indicate that this account was not applied with the Olympics promotional offer. In addition, you are not able to combine offers. Therefore, you could not apply with a Refer-a-Friend offer and the Olympics promotion. Therefore, you will not earn bonus FlexPoints for medals won by the United States at the 2016 XXXX Olympics. Please contact us again if we can be of further assistance. '' I feel very disappointed and slighted out of the bonus I had been patiently waiting years for and had rightfully earned based upon the promotional terms, which do not state that Refer-a-Friend applications are ineligible. I feel that I am being punished for using my friend 's FlexPerks number in my application in order to give him XXXX Bonus FlexPoints, and of course my friend feels terrible that he caused me to miss out on XXXX Bonus FlexPoints myself. | ||||||
| 10/28/2023 | Yes |
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| Dear XXXX XXXX in XXXX XXXX at XXXX XXXX, Is XXXX XXXX a financial institution?? Clearly on the letter dated XX/XX/2023 you stated your company is a " member of the financial services industry ''. Furthermore, as defined in 15 USC 6809 ( 3 ) ( a ), ( Public Law 106-102, title V, 509, 113 Stat. 1443 ) The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. In congruent with you stating XXXX XXXX is a " member of the financial services industry '' and the definition of financial institution as congress prescribed, it is correct to say you are a financial institution that is governed by Federal Regulations, Federal Statues, and Federal Regulators. As a financial institution you are required to promptly process my opt out demand from my nonpublic personal information being disclosed to any and all nonaffiliated third parties. XXXX, are you suggesting that XXXX XXXX is illegally denying me my right to privacy and my right to opt out? Please seek legal guidance before responding to that question. Additionally, you mentioned the Fair Credit Reporting Act in your letter dated XX/XX/2023 but obviously havent read it in its entirety. In the Fair Credit Reporting Act, a financial institution is to provide me a clear and conspicuous written notice, advising me it will be reporting negative information to a consumer reporting agency. I never received a CLEAR AND CONSPICUOUS notice from XXXX XXXX of such activities. However, even if you did provide me of such notice, the Fair Credit Reporting Act states it DOES NOT require a financial institution to furnish negative information about a consumer to a consumer reporting agency! 15 USC 1681s-2 ( 7 ) ( E ). Please provide the legal statue that says reporting negative information on a consumer to a consumer reporting agency is required by law. There is no such statue. But there are many statues that point to my right to privacy, to my right to opt out to your duties as a furnisher of my information. You dont control my information ; CONGRESS GAVE ME THE RIGHT TO CONTROL MY OWN INFORMATION. Stop disclosing this account to all non-affiliated third parties including XXXX, XXXX and any other nonaffilated third parties that I am unaware of. THIS IS MY OPT OUT NOTICE, AS A FINANCIAL INSTITUTION YOU MUST COMPLY. XXXX XXXX | ||||||
| 09/21/2016 | Yes |
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| Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediately into foreclosure proceedings. Further attempts to inquire further at various locations, primarily at the University XXXX - XXXX XXXX branch, were halted and misdirected continuously and no solution was rendered. U.S. v. XXXX XXXX, XXXX, XXXX XXXX shows some of the fraudulent activity the bank was engaged in, especially when dealing with mortgage backed securities fraud. Documents regarding the XXXX case can be compiled to the misuse of funds the bank handled, while not only receiving HUD certified PMI funds, but also reclaimed the property and resold it. The eviction process aided in emotional damages to ailments, that eventually received their indication upon evaluation and post eviction Social Security determinations, however due to the process being such one that was slow and ongoing, did not meet the lenders requirements for immediate help and ultimately occurred after they kicked my family and I out and were left for homelessness. Judge XXXX XXXX made remarks regarding the wrongful foreclosure on his, " Fully Favored '' decision on the Social Security determination letter. Upon going to further therapy, XXXX was present during the wrongful foreclosure eviction, but also while engaging with employees when attempting to get clear communication and negotiations handled with US Bank representatives throughout the hardships mentioned. The diagnoses was in the process of being documented, yet was still present even before purchasing the house, due to ongoing and varying XXXX factors that did not makeup the reason for purchasing the house, but did require a safe place of shelter that allowed for recovery, which the bank upon completion of their processes, did not take into account, even when efforts to provide financial backing to recovery the property were undertaken. | ||||||
| 02/28/2019 | Yes |
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| On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income due to been laid off from my job and due to being victim of a real estate scam ( currently being investigated by the Massachusetts Attorney Generals Office ). I completed the modification packet provided by USBank Home Mortgage and faxed all requested documents as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX. I followed up on XX/XX/XXXX and I was informed that I needed to submit prove of my mothers social security benefits as well as her monthly bank statements for the last three months which I submitted on XX/XX/XXXX. I followed up again in XX/XX/XXXX and at that time I was told that they had not received my documents and that I needed to resubmit the entire package and documentation again. I resubmitted everything again that same day. By XX/XX/XXXX, I had yet to hear from them regarding my application, so I called them to find the status. To my surprise they informed that my house was scheduled to be auctioned on XX/XX/XXXX and that I was out of time to submit the modification package since we were 6 days away from the auction date and that the deadline to submit the package is 7 business days prior to the auction date. I said that I had already submitted the package back in XX/XX/XXXX and again in XX/XX/XXXX. After waiting on the phone for more than an hour, a supervisor came on the phone and told me that they have the application, but I had to wait for them to review it. I asked if they will not postpone the action since my application has not been reviewed, and their answer was that I had to wait for them to review the application first and then they will make a determination. I asked again if they will have a determination before the auction date, and the answer was they didnt know. I said to them how can they have an auction on my house while my application has not yet been reviewed to which the only answer was you need to call every day and just check. As you can see, I did not receive an answer to the question I posed to the supervisor at USBank. How can USBank auction my house while in the process of reviewing my application for a loan modification? I need assistance postponing the auction on my house scheduled for Tuesday, XX/XX/XXXX. I am a single mother of a minor child who lives with me fulltime as well as my mother who is XXXX years old. | ||||||
| 01/12/2022 | Yes |
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| My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! thank you | ||||||
| 01/05/2021 | Yes |
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| Dear Sir/Madam XX/XX/2020, I applied for a Car loan with US BANK through their website for around ( {$55000.00} ). After two days, I checked my loan status through their website ; the position was pending. On the third day, I rechecked and still pending. On the fourth day, I made a call at XXXX, and someone told me that too early, please wait for next week. After waiting for a week, I made a callback at XXXX, and some told me to call your branch at XXXX XXXX. I called US Bank at XXXX, and the branch manager XXXX XXXX XXXX said to me that at this moment, he was not sure what is going on with your loan, and I will give you a call today about the situation. After two days waited, I made a callback to US Bank Branch at XXXX XXXX, and the lady XXXX XXXX XXXX told me that my loan declined because the amount too high for my credit score. At this moment, the loan approves for {$50000.00} with an interest rate of 3.9 percent 72 months, 3.76 percent 60 months, and 3.6 percent with direct payment. I asked XXXX what I should do? Because this is my first time to loan with a direct bank. XXXX told me to get a contract from the dealer and bring it here ( nothing about how the loan work ). After one and a half weeks, I got a contract from XXXX XXXX for the car for {$49000.00} On Monday, XX/XX/2020, I brought the contract to the US Bank, and I met with XXXX. He told me that he couldn't find my loan application, and I told him that I applied, and the branch manager ( XXXX XXXX knows it. He called XXXX, and XXXX and XXXX were looking into the system. Finally, they both couldn't find it, and XXXX suggested to replied the loan application, and XXXX explained that the Loan is base on the value of the VIN. XXXX checks my car VIN #, and the deal only {$37000.00}. I said to XXXX, why you never called me back, and why you were never explaining how to apply for the car loan. Also, why your co-worker XXXX XXXX XXXX told me, " just got the contract from the dealer and brought it here, and we will take care of the rest, XXXX XXXX couldn't answer my question ). Since I must deal with my problem, I told XXXX to reply to my loan application and get {$44000.00}. He told me I tried. On XX/XX/2020, I got the answer from XXXX the loan was approved, only the car 's value {$37000.00}, I must deal with the remaining balance XXXX {$7000.00} XXXX. I appreciate your valuable time to review my problem. | ||||||
| 09/01/2020 | Yes |
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| On XX/XX/XXXX @ XXXX, I deposited a check from my insurance company that was endorsed by myself, my husband, and our mortgage servicer for {$5100.00}. I received a printout of the deposit which included a picture of the front of the check. The deposit slip, although showing the front side of the check, listed the deposited amount as {$5000.00} ; {$100.00} short of the full amount of the check. On XX/XX/XXXX, I went to my bank ( US Bank - XXXX, IA XXXX ) to alert them the amount scanned by the ATM was incorrect. It is important to note that my bank does not take calls nor has an open lobby during the pandemic ; all transactions are via drive up only. On that date, XX/XX/XXXX, the teller took my name and a copy of the deposit receipt, then informed me that the branch manager would call me that afternoon. I received no call. On XX/XX/XXXX around XXXX, I tried to pay a utility bill using my debit card and it was declined. I checked my balance and was alarmed that the deposit was reversed and my account was now overdrawn. At XXXX I went to my bank and sat in the line at the only open window for 20 minutes. Once I was able to get to the teller window, I again, addressed the incorrect amount scanned by their ATM, and now, inquired into the reversal of the deposit altogether. I was informed by the branch manager, XXXX XXXX, that my mortgage company did not endorse it, so the check had been rejected. I informed the branch manager that my mortgage company HAD endorsed the check. XXXX said I had two options given they, US Bank, did not own the ATM machine in their parking lot that, ironically, had the US Bank name on it. The options stated by the bank manager were as follows : 1 ) wait for the ATM company to issue me a " certified, legal '' copy of my check to which I could bring back to my bank for them to inspect as to whether they would cash it, or 2 ) have my insurance company reissue a new check, which would then be 3 days in the mail from my insurance company, then another five for my mortgage company to endorse and return to me to go through the same process. Another important note is the derecho storm we had here in Iowa that originated the insurance check in the first place. This insurance claim check was to pay for the removal of a huge ash tree that is leaning toward my house, as well as, the neighbors. The way in which US Bank handled our check is unacceptable! | ||||||
| 01/11/2023 | Yes |
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| I opened my business, personal, and savings accounts with US bank back in 2022, in order to have an account that I can do my business through, to make a growing legacy for my family. I was getting paid through sales that are made for products that a variety of companies/businesses are buying as my XXXX XXXX supplies me with invoices regarding the transactions. I then would verify the transaction by calling the customer to talk about the sale. I would then take some of the money out of my account in order to pay vender 's that I need to pay in order to send the customer their products they purchases. About a week before XXXX of 2022, US bank froze all my accounts when I had over {$500.00} in both my regular checking, and business accounts. I also had {$800.00} in my Savings account, once they froze my accounts, they told me they were doing some kind of internal investigation on my accounts that were NOT a part of the US bank XXXX XXXX department. It was being investigated by a team that they would not disclose information with me about, nor have they ever told me anything they found ( if anything ). I have called them to talk with the branch manager, and continue to wait for a call back that I have not received as I asked for correspondence regarding any paperwork regarding where the remainder money that was in my accounts went? I and many others around me feel that US bank broke my trust with them as they took my money, did not contact me regarding why or what they did with any of my remainder balance. They continue to call and harass me trying to get me to pay for a bill that I have NO information about, they haven't sent me anything about it, and they still call me to try to collect a " so called '' credit card bill that I had with them when I was a customer, I was paying it, and nothing was wrong, Now that after the accounts are all closed, they still send me email messages to view my statements when I can't log on the the portal to check anything because they blocked me from being able to do so. They won't send me anything in my mail to correspond any information regarding this " so called '' debt. I believe that with the XXXX XXXXXXXX that they took from my accounts when they closed them, should have been paid toward the credit card that is in question, and my remainder balance would have been sent to me in a cashier 's check. Thank you ; XXXX XXXX | ||||||
| 09/05/2021 | Yes |
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| A fraudulent company called " Voyager '' aka Invest_Voyager tried to steal {$1800.00} out of my account through unauthorized ACH withdrawals last XXXX of 2021. US Bank was notified of this and had to stop them from using their multiple front companies from withdrawing funds from my account ending in XXXX. A new account was created after I filed a police report and submitted it to US Bank, and remaining funds were moved to a new safe account. The fraud claim TOTAL amount from the MULTIPLE unauthorized ACH transfers initiated by Voyager was {$1800.00} and fully documented. However, it has taken over 6 months now to get this money back. I have been given {$1500.00} of the {$1800.00} back. US Bank sent a message in writing to me via the CFPB stating that they could not give the remaining balance of {$420.00} back to me that Voyager had stolen because " part of it was done as a debit or credit card transaction '' which is totally false, because Voyager never had access to my debit or credit card from me or any legal means and ONLY had access to my ACH and routing which was corrected. So now, I have gone from Voyager trying to steal {$1800.00} from me to US Bank trying to steal the left over {$420.00} by making up excuses of credit or debit card transactions which were impossible to exist, because the fraudulent company Voyager never had access to ANY credit or debit card and ONLY ACH. Again, I am requesting that the remaining {$420.00} be returned to my account at US Bank. The previous message from US Bank incorrectly stated that a remit of {$100.00} was an error in my favor, but it was not an error, because the banker saw that it was an ACH transaction like all the rest and SHOULD have been returned. So if that will stand, US Bank still owes me {$320.00} which I expect to be returned to my account promptly. I have written numerous times, without response, to the direct email address provided by the liaison division for direct contact with the actual fraud department which isolates itself entirely from the public and only interacts to their intermediary via XXXX internally. Enough is enough and I need the rest of my money back. I have waited more than enough for a satisfactory resolution to this matter without US Bank manufacturing debit ledgers for ACH only transactions to try and keep my money. Please resolve this. Thank you. Case # XXXX US Bank | ||||||
| 11/18/2017 | Yes |
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| On XXXX XXXX of XXXX around XXXX to XXXX am I called us bank online and asked to talk to someone on the loan department, then they transferred me to a lone officer, and I told them i want a personal loan of XXXX dollars. then he went through the application with me online, on that process this banker was asking me all kinds of questions I 've never been asked before when applying for a loan. like where I came from and where i am spending the money and all that, am i spending the money in the united states or what. So i told him yes i was spending the money in the US after everything he told me to give him a minute to submit my application and i did. After he came back he told my i was not approved. why i am saying this is because this U.S bank is discriminating me because he knew i was XXXX. why i am telling you is that the united state is equal lending opportunity because my credit score is XXXX or more, with that i see no reason why this guy would deny me my right and secondly i have been banking with us bank since XXXX till now, there was an inside that happened XXXX when i got a credit card from us bank after awhile i went into hardship and i could n't afford the payment and interest anymore that was in XXXX about XXXX to XXXX i was still struggling to pay the credit card, i got into the credit consolidation assistance, so the credit card was forgiving about {$8000.00} or more, on that year income tax XXXX they reported the forgiving of the money to the IRS , and the IRS told me that i did n't complete my income, that the money they forgiven was part of my income, so they sent me the for and i had to pay the taxes on the money forgiven, after that my credit was bad, but i started working hard to build my credit till now so once i found out all this when the Us bank denied my right, i quickly called my other bank and gave them my information and everything, they ran my application online and i was approved and i should come and take the money right away. Then i strongly believe that U.S bank was bias about me, I am going to attach my banking statement with U.S bank so you can see, my direct deposit is split in 3 ways and the largest portion goes to U.S bank, I don ; t know what the problem is because i am very very worried about this, sir or ma'am look into this matter so i can know how to proceed. The U.S Bank portions are at the very end of the 2 payslip. | ||||||
| 07/08/2015 | Yes |
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| We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on. | ||||||
| 12/08/2022 | Yes |
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| US Bank forced me to go through XXXX factor authentication to login to my account. I changed my phone number on XX/XX/2020, but US Bank still defaulted to my old number. I was unable to login at all to pay my credit card, resorting to calling and being stuck on hold for more than XXXX minutes each time. I have called on many separate occasions to US Bank to update my number, and they assured that it is fully updated when it was clearly not. I am a low income student that spends most of my time to support my family and my elder mother and go to school. This impeded my life harshly. US Bank ended up closing my account, and I ended up paying off the credit card anyways. I tried to ask US Bank if they can help me with my payment history due to their issue causing me difficulties to pay the bill, they basically told me to XXXX off and they wont help me. This caused my XXXX XXXX to tank even lower. Fast forward to last month I created a business checking account with US Bank with the phone number I changed to 3 years ago. I still am not able to login to US Bank, resorting to changing my password every time as a loophole to login. It keeps sending the authentication to my old phone number, which poses a serious privacy risk. I have just contacted US Bank and they have finally transferred me to the right department. When I spoke to the specialist, he informed me that the previous associates that helped me only changed my contact number, and not my XXXX factor authentication phone number. I was mislead and fooled the whole time by US Banks mistakes. I am hoping to purchase a house in a few years to give a permanent roof over my mothers head, and this is hurting my score tremendously. It is very shameful that this is still going on today. My business checking account is registered to my new number but still locking and sending texts to my old number, exposing me to risks and threats against me. I have launched disputes from all three credit reporting agencies, but they have all stated nothing was wrong and did nothing about my dispute. I would like to get the late payments removed from my US Bank credit card if possible. I have not missed payments at all on my other XXXX credit cards. US Bank has put me in a terrible state emotionally due to this, and I am not confident in purchasing a house in the next few years anymore due to my score tanking from US Banks mistakes. | ||||||
| 10/27/2021 | Yes |
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| I completed a mobile deposit for my USBank personal checking from my XXXX XXXX XXXX bank account. The check was deposited on XX/XX/2021 after work hours. The funds were released and debited from my XXXX XXXX XXXX account on XX/XX/2021, and I have screenshots for the proof of release of the funds. I have been a loyal customer of USBank for over 20 years. The check was over {$25000.00}, and only {$220.00} was released to be available for me. The branch location is very unresponsive, and there is no agent help. The number published ( XXXX ) XXXX indicates to call the USBank 24 hour customer service due to Covid -19 the branch is not taking calls. And if you call that number again, it puts you on hold and then disconnects. This location is at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The USBank 24 hour services customer service number kept refereeing me to work it out with my branch since the branch put a hold on my check, Each time I spoke to an agent for the 24-hour service and asked why my check was held up when it was released from Ideal Credit Union as of XX/XX/2021, I kept getting confusing answers such as Regulation CC, some times the agent would tell me it's the mobile deposit policy for USBank. Yet Regulation CC states that I should have at least received {$5000.00} accessible right away. The reason for this big check was for debt consolidation to pay off the high-interest cards with USBank, especially the credit line that accrues interest daily. USBank held on to my funds that the XXXX XXXX XXXX released on XX/XX/2021. The branch near me that I usually go to, and I live close to this branch, tried to help me, but since my home branch imposed a hold, they could not help me at all. What is most frustrating is that " home branch '' I have not lived in that zip code for over 19 years!! Yet, I can not move my location to another branch since my account was originally opened up in that location. I feel like I am being held hostage at this useless branch that I never visit at all. I tried several times to call this useless branch at XXXX XXXX XXXX , XXXX XXXX, MN XXXX, and there is no live agent to assist. My funds are being held when my name is not on the XXXX list, nor has it ever been involved in any fraudulent activity. USBank needs to be held accountable for holding my funds under a false pretense of Regulation CC or whatever their internal mobile policy is. | ||||||
| 01/12/2022 | Yes |
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| On XX/XX/XXXX I took a loan from US Bank in the amount of {$32000.00} to consolidate debt and pay off a home equity loan with XXXX. The original loan document states that my property was secured by another mortgage. The original loan document doesn't even identify the loan type but at some point in time US Bank treated the loan as a " mortgage ''. At the time that I took out the loan no escrow account was created. In XXXX, unbeknownst to me US Bank opened an escrow account for insurance. I called them in XXXX to cancel the insurance and notified them that my homeowner 's insurance and taxes were being paid by my first mortgage lender. While I was deployed overseas between XXXX, XXXX, and XXXX US bank continued to charge homeowner 's insurance. When I paid of my remaining balance of {$9700.00} this year they stated that I owe {$4700.00} to close the account due to " escrow advances ''. When I realized they had been charging me duplicate insurance for three years, I told them I could provide proof insurance from my other bank. US Bank representatives stated they would remove the charges if I furnished them copies of insurance. I obtained copies of the insurance from XXXX XXXX XXXX and sent them to US Bank. Apparently, it doesn't matter because both policies taken from the banks were lender forced and this somehow makes a big difference that I was double charged. After one month of phone calls, the US Bank representative finally said today they will not even attempt to contact the insurance company and reverse the duplicate mortgage insurance charged to my account. So in three years I spent $ XXXX on homeowner 's insurance between the XXXX banks on a house that is worth $ XXXX. The insurance should have only cost me {$1800.00} over the course of the three years I was double charged by the banks. I don't even understand why US Bank took out a $ XXXX policy if the insurance policy only covered the $ XXXX that I owed the bank and if the insurance company will not even talk to the Borrower whose home is covered by their policy. To add insult to injury the insurance company that XXXX and US Bank used in XXXX, XXXX, and XXXX was the same. The name of the insurance company is XXXX XXXX XXXX XXXX. Why would the insurance company accept duplicate payments for one property? Why are both banks saying the insurance company does not refund for duplicate payments? | ||||||
| 12/14/2023 | Yes |
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| XXXX XXXX XXXX I received a call from a woman that said she was from US Bank fraud dept. Did I spend {$300.00} in Idaho? I said no ( but I just had been in Idaho ) She said your account has been tempered with and you are going to have to put a new ID and Password on your account. " I need to send you a code to verify it is you ''. US Bank always does that if I put in wrong password. Then she sent a code to my cell phone and said you are going to have to redo your app too. Delete your app and put a new one. " We want to protect so this doesnt happen again.? She asked me a couple of questions like secret questions I said " don't you have that there? she yes I need to protect you and change those. She was taking so long and I said " why is this taking so long '' she said it is my connection. Please be patient, this has happened to me too and I work in the fraud dept. When I hung up the US Bank sent a text that said " we just approved {$6000.00} on your credit card '' '' I called immediately and the bank told me it was a fraud and that they would put a hold on my account and to call the fraud dept in the morning. One of my friends called me and said " what is wrong with your phone I called and a man answered ( she called me on my landline. another friend called and said your mail box is full. I said " really I just called to check messages and it said I didn't have any. I went to Bank the next day Saturday and the manager XXXX XXXX pulled up all my transactions because usually they are not posted until Monday and there was a wire charge for {$30.00}. I said I have never sent a wire in my life. I also have never used the credit card. There was a cash advance for {$3100.00} and another for XXXX minutes apart. the bank told me that he would give me back the wire money and in the meantime the fraud dept would do an investigation. I was told to go to XXXX to have phone checked to see if there was any suspicious apps put on my phone. I went to XXXX the next day and XXXX found that there was a forwarding of all my calls to a XXXX money sent to XXXX XXXX XXXX XXXX to a XXXX XXXX. I do not know this person nor did I sent this wird. US Bank was denying my claim because came out of my checking account with my name on it. Since then there has been denial letters sent but I have not stopped calling fraud dept and putting claims in to XXXX and XXXX XXXX and police dept. | ||||||
| 06/03/2022 | Yes |
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| I was on an 18 month loan forbearance due to COVID - when it ended I was sent two letters. The first stated at the bottom that I would need to start my regular mortgage payments on XX/XX/XXXX. ( On the second page of this first letter half way down it also mentioned another contractural payment due XX/XX/XXXX. ). The second letter that required a signature ( I signed and mailed back by XX/XX/XXXX as requested ) did not mention this XXXX contractural payment at all. This is what I signed and agreed to. I was also told to call and make XXXX payment not to process it on line. I called. XX/XX/XXXX and made the XXXX payment. During that call no one asked about the money which I did not realize I needed to pay on XX/XX/XXXX. I also asked to get back on auto pay, they told me I had to wait to do that. I called back the end of XXXX to make my XXXX payment and was told I had been kicked off the deferral agreement that added my 18 months to the end of my loan agreement and could not make a payment. My only options were to pay the deferred amount or go on a flex modification program that changed my 15 year conventional mortgage into a 40 year balloon mortgage. I have had many call and conversations with US Banks Loss Mitigation department and they refuse to correct the mistake. I explained that I was going through medical issues in XXXX ( I had a XXXX leak that was XXXX XXXX XXXX ) when the deferral agreement was sent out. I apologized if I did not realize I owed money in XXXX and offered to pay that and the XXXX mortgage payment. They told me I could not make XXXX payment. I have put in two complaints asking for my phone conversation records which they have denied. I have also asked to speak directly with someone from that department instead of relationship managers and their supervisors. Ive called weekly to correct this issue and jump through hoops to get a supervisor on the phone. I admit there was an error, but it was caused because of my injury and not clearly understanding. I do not understand why two letters were sent with different information and only one required to sign and return. Also, when talking about money owed it should always be discussed by what is owed first. Why are they focused on what is owed in XXXX, if I also owe money in XXXX? It just seems like a way to confuse people and take advantage of them after they already had issues due to COVID. | ||||||
| 02/18/2020 | Yes |
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| On the evening of XX/XX/2020, my purse ( including wallet, checks, driver 's license, credit/debit cards, SSN card ) was stolen from the trunk of my locked car by way of smashing the front passenger window and subsequently unlocking the trunk from inside. I immediately filed a police report, cancelled all cards, confirmed my cards stolen with my bank 's fraud department, froze my accounts with all credit reporting agencies, and issued stop payments on all the checks contained in the checkbook. On XX/XX/2020, I applied for and received a temporary replacement driver 's license as well as attempted to close my primary DDA account with US Bank and open a new one as I was worried that because my account information was exposed on the checks, it could be tampered with. However, when I explained my situation, US Bank denied my request to close the original and open a new account on the grounds that I didn't have a valid photo ID ( the temporary one issued by the DMV did not include a photo ). A few days later, on XX/XX/2020, I was alerted that a fraudulent counter withdrawal in the amount of {$6300.00}, unauthorized by me, was issued at a US Bank branch to the offenders the day before, on XX/XX/2020. The offenders fraudulently impersonated me with my stolen driver 's license and forged my signature on the withdrawal slip. I immediately contacted the Fraud Department at US Bank on XX/XX/2020 who only then proceeded to close the compromised account and transfer the balance to a new account. On XX/XX/2020, I completed and filed Fraud Documents sent by US Bank 's Fraud Department to dispute the fraudulent transaction as well as initiate an investigation with the confirmation that the funds would be reimbursed and I would not be held liable in any way. I followed up on the progress of my claim on XX/XX/2020 and was told it would be another 2 weeks until the final review was complete and to check around XX/XX/2020. I followed up again on XX/XX/2020 and was informed that my claim was denied on the grounds that the trunk of my locked car was not a secure enough location. This is inaction by US Bank is unacceptable. There was very clearly gross negligence and inconsistencies on US Banks part to protect my funds. This fraud was enabled solely by the lack of attention of US Bank as all the parameters to reject any and every transaction subsequent to XX/XX/2020 were in place. | ||||||
| 05/28/2016 | Yes |
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| I filed a fraud claim for a {$200.00} charge listed as " XXXX XXXX XXXX XXXX '' on Friday, XXXX XXXX, 2016. This transaction was done without my permission, and I have never done business with or heard of this company. I was told by the fraud representative that the provisional credit would be issued between 7 to 10 business days, because it was not a pin based transaction ( pin transactions take longer to process since someone else has your pin number ; signature transactions only take 7-10 business days ). I called in to the fraud department on Wednesday, XXXX XXXX for a status update. According to the representative, there was no case processor assigned to my fraud claim yet, and no provisional credit was issued. The representative stated that she put in a request to have a supervisor in the " claims processing '' department call me back ; no one called back. I called again on Friday, XXXX XXXX for another status update, but was told that the " claims processing '' department may short staffed due to the Holiday weekend ( good for them, but horrible for me because I have nothing in my account due to some card hackers ). I was told by an escalations representative XXXX M ( located in XXXX XXXX, Kansas ) that she would not be able to transfer me to " claims processing '' and that there was no supervisor above her that I could speak to regarding the issue ( even though the previous escalations reps that I spoke to told me to just call in after XXXX to be transferred to that department ). Nothing was resolved and it was the 10th business day. I called again this morning, Saturday, XXXX XXXX, and spoke to another representative that gave me the " claims processing '' department 's phone number and advised me to call in on Monday. Because of US Bank 's laziness regarding my fraud claim, it is now the holiday weekend and I have no money in my account. This is unacceptable. A thief used my debit card number fraudulently, and I am the one being punished for this. I can not even afford to pay my half towards the rent on XXXX XXXX, because the funds have not yet been returned. There needs to be some form on recourse for this ; I was lied to by XXXX XXXX in XXXX XXXX, Kansas regarding speaking to her supervisor and/or the " claims processing '' department, and was told that no one was above her and that " claims processing '' does not have a direct phone number. | ||||||
| 03/15/2021 | Yes |
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Web | Older American |
| EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE. | ||||||
| 04/23/2015 | Yes |
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| Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising | ||||||
| 03/24/2022 | Yes |
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| Thursday, XX/XX/XXXX Received a cashier 's check for {$1900.00} from a buyer of furniture I was selling on XXXX 's XXXX. I was suspicious of the check and attempted to call XXXX. They informed me they don't verify funds. Rather than do a mobile deposit, I drove to my local US Bank branch location. I shared the information with the tellers. They assured me the cashier 's check was legitimate and had the proper watermarks to indicate it was valid. They said it should post the following morning if, in fact, it was a legitimate cashier 's check. Friday, XX/XX/XXXX The deposit was posted to my account therefore from the information the tellers provided me the following day, I transferred via XXXX money to the buyer 's movers in the amount of {$1100.00}. Throughout the conversation with the buyer, I began to get an uneasy feeling and called the police. They advised me to file an internet crimes case with the FBI via XXXX and also file a police report. I did both and ceased any further money transactions with the individual. I advised the buyer he could provide an address for me to return the additional {$820.00} because I would no longer send any funds via electronic transfer. He began threatening me with physical harm so I blocked his number. Saturday, XX/XX/XXXX I phoned the fraud department of US Bank and advised them of the situation. They took down the information and said they would investigate. Tuesday, XX/XX/XXXX Received a letter from US Bank 's Digital Claim Services and was advised my claim was denied. Thursday, XX/XX/XXXX Phoned US Bank at XXXX to speak to the Fraud Department as to why my claim was being denied. The representative told me it was my fault I sent the money and there was no fraud since I initiated the money transfer from my own IPS address and had the proper login credentials to access the funds. I advised him that this was not in dispute if my transaction occurred. My fraud claim was based on the fact that the tellers at the branch location advised me the cashier 's check was legitimate and this information led me to process the money transfer of {$1100.00}. The agent then proceeded to tell me I was in the wrong for not correctly reading my terms of agreement when I opened the account and therefore there was no fraud. I asked to speak to a supervisor. He transferred my back into the phone tree system and my call was dropped. | ||||||
| 04/07/2021 | Yes |
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| On XX/XX/XXXX me and other 500 clients were scammed by XXXX XXXX XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my XXXX Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, XXXX {$10000.00}, 1st National Bank {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me. | ||||||
| 09/15/2015 | Yes |
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| I attempted to withdrawal funds from my prepaid account with XXXX. at a US Bank sponsored ATM on XXXX XXXX, 2015. The ATM did not dispense the funds but debited the {$240.00} transaction from my account. I went into the branch to find out what my options were and hoping that they would give me the funds that their ATM that they are responsible for did n't disburse only to be treated like I was some kind of bum off of the street begging for something that did n't belong to me. The banker kept indicating to me that there was nothing they could do that the ATM would need balanced and then I would need to file a regulation E claim with my financial institution. The branch manager never showed his/her face after repeated requests to speak with an authoritative figure and I left the branch in tears and without my money. It has been devastating to me over the last few weeks because I have taken an unexpected {$240.00} hit only to be told that if their ATM balanced out that there would be absolutely nothing that could be done to reimburse me. I even told the XXXX at the branch that if the ATM balanced out that meant the gentleman behind me in the line at the ATM received my money, but she reassured me that that would never happen. I contacted the executive offices of US bank only to be told there was nothing they could but wait for the transaction to process. The transaction has finally processed and my financial institution has filed a regulation XXXX claim with US Bank ... but I am again advised by US Bank that there is nothing they can do to expedite my request for reimbursement because their ATM is serviced by a XXXX party and it is up to the XXXX party 's processing time frames. I am still without {$240.00} here almost 2 weeks later. I am not rich ... I am not even middle class. I have fallen behind on bills and am incurring fees because of late payments due to this issue. Why was n't I put first? Why did n't the branch manager of US Bank address me and give me my money and indicate they would handle the back end issues on the back end? {$240.00} would have been a small price to pay for XXXX of the largest financial institutions in the United States to keep a smile on a my face and prevent me from going through hell over the last two weeks. but they did n't and I am still without and my XXXX children that I work hard for every single day are still without ... | ||||||
| 12/15/2022 | Yes |
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| To Whom It XXXX Concern : I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the building process. US Bank has my money for the full mortgage amount in an escrow as well surplus of {$55000.00}. Every check that I receive from the insurance company for claims has to go through US Bank. We are XXXX XXXX of the way completed on our new home. US bank received my overage check ( I {$55000.00} ) that is above and beyond our current mortgage escrow and have failed to return it since the beginning of XXXX ( XXXX ). They allegedly mailed at check on XX/XX/XXXX and it never reached me. The check was then cancelled and I was told on XX/XX/XXXX that another check would be mailed today XX/XX/XXXX. After speaking with US Bank today they informed me that they cancelled my check and do not wish to use my pre paid over night envelops that they received on Friday XXXX at XXXXXXXX XXXX. Consistently they do not have the same process advice or procedure. I have spoke to several supervisors who will not provide me with any further information on who I can speak to that is above and beyond the supervisor role. I have been treated very poorly with some of the staff making light of my situation. My builder is no longer building on my house due to me not being able to pay him. I am unable to get my overage check from US Bank and I have never been able to draw off of my mortgage escrow. I need help immediately as this is a crisis and they are not helpful. There was a supervisor named XXXX that provided me with his direct phone number XXXX. I have called him repeatedly and no answer. I have not called them and cussed them out like others XXXX have in this situation as it is not helpful. The only consistent thing I have them saying is this is XXXX XXXX US Banks fault but they are unable to fix it. It just keeps bouncing from XXXX department to the next to the next. A check allegedly gets disbursed and then cancelled. I have legitimately done everything on my end that is required and they refuse to get me my money. I have been waiting for weeks. Please reach out to me via email or by phone at XXXX. I need help as soon as possible. We only have alternative living expense coverage for a limited time an we need to have our home built before this used up. Without me being able to pay, we are at a loss. Best Regards, XXXX XXXX XXXX my XXXX tracking number is XXXX | ||||||
| 01/20/2018 | Yes |
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Web | Older American |
| On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial. | ||||||
| 09/25/2020 | Yes |
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| I first realized my account was locked on XX/XX/20. After calling waiting on hold over an hour I was told the account was froze due to my recent address update change and they needed me to verify my identity which would consist of me faxing my legal documents ID social taxes lease and a bill showing my new address. I complied and did so calling the next day on XX/XX/XXXX to confirm that documents were received I said yes to wait 5 days and call back. I called on the fifth day just to be told they couldn't unlock my account because they couldn't read the documents I had faxed. Once again I have to pay to have faxes sent each time this has gone on for almost a month now total I call every single day and speak to somebody I've even spoken to supervisors multiple times just to be told my accounts being reviewed and or my documents were not accepted. My ID card does not match my new address because I just moved and in order to get a new card I would have to purchase another one to change my address. That would require me using funds on the card that they have Frozen. There is no excuse or reason why my account has been locked this long I have no access to my money my bills are all past due I don't have any food on my table and my electricity is on the verge of being shut off. There is no way to contact the fraud department that's supposedly overseas and verifies address & identification. All I did was change my address online thinking it was the right thing to do considering they never mail me anything I just have an online account that I use to get my unemployment benefits loaded onto. I don't know why my voter ID card has not worked with my new address on it or my recent bills with my new address and my name, my lease agreement with my name, address on it have NOT been acceptable?! I've made numerous attempts to get this handled multiple times a week with no avail & nobody can give me answers or direct me on who to talk to that has the power to unlock my card I need help immediately for this situation has become an urgent and serious matter. As of today XX/XX/20 my account is still waiting to be reviewed after reflecting and uploading all my documents once again to them at the beginning of the week. Please help me resolve this and get my funds back to me before I am out on the XXXX, XXXX from not being able to pay my rent. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 09/02/2015 | Yes |
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| We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months. | ||||||
| 08/30/2022 | Yes |
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| I received a letter in the mail from US Bank regarding a exclusive promotional offer of opening checking account that was linked to my business credit card that I have with them in the beginning of XX/XX/2022. The terms of the promotion stated : XXXX. Open a business checking account with promo code XXXX XXXX. Deposit {$5000.00} in new money within 30 days of account opening XXXX. Enroll in U.S. Bank online banking or mobile app XXXX. Complete 5 qualifying transactions within 90 days of account opening Once the terms were completed XXXX points ( equivalent to {$500.00} ) would be added to my business credit card within 45 days of completing the above requirements. I opened the account on XX/XX/2022 and used my U.SXXXX business credit card to fund the account with {$200.00}. I enrolled in online banking on the same day. I did an external transfer from an outside bank of {$4800.00} on XX/XX/XXXX. I completed 6 qualifying transactions between XX/XX/XXXX and XX/XX/XXXX. After waiting 45 days and not receiving the bonus I called and spoke to a representative to see when and if the bonus would be posted to my account. The lady whom I spoke to had to do further research and stated someone would contact me within 3 business days. I received a call 10 days later stating the terms of the promotion were not met. The {$200.00} that was used to fund the account was not considered " new money '' and therefore the bonus could not be given. Even though I used my U.S. Bank business credit card to fund the initial opening, I use an outside bank to pay the credit card bill. So the technicality of " new money '' can be open to interpretation. Afterwards, I called countless times speaking to multiple representatives with each time having to explain the whole situation from the very beginning. Each representative gave me a different response and was told I would hear back at a certain time when I did not hear back at all. One representative gave me their e-mail and advised me to reach out to them if I did not hear back in 24 hours. After 72 hours passed I emailed the representative and received no response. I am more disappointed in the service I was provided. I have a brokerage account, personal checking account, business credit card, and now a business checking account with U.S. Bank. For them to not value me as a customer was disappointing to say the least. | ||||||
| 08/15/2016 | Yes |
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| I contacted U.S. Bank the week of XX/XX/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full XX/XX/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous calls and emails. I started this in XX/XX/XXXX to avoid the exact situation I am now in and it took them until XX/XX/XXXX to submit my application. We have never missed a payment in 8 years and I have asked U.S. Bank to extend the default day from XX/XX/XXXX to XX/XX/XXXX and no one at U.S. Bank is willing to help. My loan officer simply said they can not help to extend the default date and gave me a general number to call. I have spent hours now on the phone with U.S. Bank trying to find someone to help me extend the default date just to XX/XX/XXXX and no one can or is willing to help. I am so frustrated as I was told to call U.S. Bank back about 2 months before the maturity date which I did, to start the process. I made it very clear to my loan officer I wanted to make sure this was complete before the maturity date and that I was concerned about getting it done in time. He assured me it would n't come to that but then they denied my re-finance application on XX/XX/XXXX! This now made it too late to get anything done before the default date of XX/XX/XXXX. No one at U.S. Bank seems to care except one Mortgage Supervisor in Minnesota who has spent time with me on the phone trying to help but does n't have the authority to extend the maturity date. I am still in process of re-financing this loan and have found a bank that is able to do so but U.S. Bank is still not willing to help in any way. I would like U.S. Bank to take the late payment off of my credit since this is due to their lack of responding to my many emails and calls that put us in this situation and I would like them to extend my default date to XX/XX/XXXX. They certainly are n't concerned about our situation or finding any other way to assist us. I am extremely disappointed in their customer service. | ||||||
| 12/23/2022 | Yes |
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| US Bank is currently running a scam to increase new credit cards acquisitions without having to pay out the advertised points. Here is some background about my personal credit worthiness. This is relevant to the scam. My credit score : close to 800 My annual salary : $ XXXX My credit utilization : 6 % Number of missed payments : 0 years of credit history : 9 Annual rent/mortgage payment : 0 US Bank currently has a promotion where if you spend $ XXXX you will get {$500.00} in points ( lined bellow ). This sounds good to the new US Bank customer so they go ahead and apply for the card. Here is the catch. US Bank will only give you a {$500.00} credit limit. This means that you need to spend EXACTLY {$500.00} a month every month for 4 months in order to actually claim the bonus. The problem with this is, there is no item you can buy that has an even number without any change. So lets say you end the first month at {$490.00} what would you charge to your card for exactly {$2.00} with no change. Even if you go to XXXX and get a XXXX it will be {$2.00} which would go over your credit limit which would decline your card. US Bank knows this and are profiting off of unsuspecting customers. How do they give someone who makes a XXXX XXXX a year with perfect credit history a {$500.00} credit limit. They are clearly trying to take advantage of their customers. Even if they had given me a {$500.00} credit limit then that would be enough to at least go a couple dollars over the {$500.00} a month to be able to claim the bonus points. But no, they made it exactly {$500.00} to ensure the majority of people are not able to actually spend enough to claim the bonus. Again, I have PERFECT credit history with a score close to 800. I have 6 % utilization and a $ XXXX salary. My first credit card ever was when I was XXXX. I worked a minimum wage job and had no credit history. I got a credit card through XXXX that had a higher credit limit than this US Bank card. They are clearly scamming their customers. This is fraudulent behavior. I called the company and voiced my complaint multiple times and they told me they cant do anything for me. They said I would have to wait 6 months for a credit line increase ( conveniently after the promotional period ends ). I will never bank with US bank ever again. Link to fraudulent promotion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/01/2022 | Yes |
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| In XX/XX/XXXX I took a credit card with US bank, US Bank XXXX XXXX SIgnature Card, at the XXXX OH XXXX USA branch for two reasons : 1. Although I have been a customer of US Bank for 14 years I was told I would be charged a monthly maintenance fee that could be avoided if I had a credit card with US Bank 2. That I could make a balance transfer from another credit card that would remain interest free for 12 months from the time of issue and as long as I made a minimum payment I would not be charged interest. When I spoke to the manager of US Bank XXXX OH branch whom issued me the card I was told that if I made purchases as long as I paid these off I would not be charged interest. I took the card with a balance transfer of approximately $ XXXX. Every month I purchased small amounts, of approximately XXXX or XXXX dollars and paid back a sum that was well in excess of this to ensure I was paying back for these purchases and also paying off the balance transfer. On XX/XX/XXXX I started seeing interest charges on this account that continued every month ( XX/XX/XXXX : {$13.00}, XX/XX/XXXX : {$9.00}, XX/XX/XXXX {$7.00} ). I then called the helpline for the card at approximately XXXX XXXX on XXXX to find out why I was being charged these amounts despite the fact that I was paying pack way in excess of the purchases- {$100.00} on XXXX, {$250.00} on XXXX, {$250.00} on XXXX, {$600.00} on XXXX, {$150.00} on XXXX, {$1000.00} on XXXX - ( so that I could also pay back the balance transfer amount ) and it was many months before the interest-free period on the balance transfer expired. After speaking to an agent I was put in touch with her supervisor " XXXX '' who said that as per my agreement a portion of the paid amount would go to pay back purchases and a portion would go back to pay back the balance transfer. When I took the card I was never told this and was told that as long as I paid the amount needed to cover any new purchases there would not be an interest charged. I would also suggest that to any reasonable person it would seem quite obvious and fair that if a customer pays off a credit card it should be either made clear how much will go to pay for recent purchases and how much would go to the balance transfer and how much he or she would need to pay to avoid interest. None of these were revealed when paying off the card through the online website. | ||||||
| 05/26/2023 | Yes |
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| On XXXX XXXX or XXXX / 2022 I called use bank and told them I left my wallet and phones at jewelry shop in the XXXX XXXX located in California I told the because I do not have my phone with me so when I`m trying to login to my online banking to check the activities It s asking for a pin for verifications which it send to my phone so I do not have my phone with me so I cant check my online ban king or I wont get notification if there are charges on my account. I called them during night time lets say between XXXX till XXXX because when I went bacK to get them the mall was closed. they customer service refuse to block or put a hold on my account and they told me if something happens you can dispute the transaction! there where almost about XXXX worth of transactions on my account I called them on Monday and dispute those transactions after 2 months calling them regarding my case status they were keep saying it s been under investigation! and when I called last time the supervisor called me back and told me next morning they will credit it back to my account. they did 2 wire transfers each about like XXXX from XXXX XXXX and that was wired usually you get refunded by each transaction not like full amount in once so then I was okey there have not refunded me the XXXX remaining balance so I waited two days and while I was waiting they called me and told me after 3 months investigating all those transactions are correct and they told me now I Owen them for those transactions which it was about XXXX so they took almost more then XXXX from my account and they put XXXX negative balance on my account and then blocked me from online banking so I lost almost XXXX over there and I had to wait 3 months for them to refund me the XXXX which they did XXXX and retook it right after 2 days and closed my business account then every month they called me and harassed me and Now I`m keep getting letters from Debt collections. because of their actions I lost my time lost money and after that I could not open up another bank account for my business .please help me out to resolve my issues all my calls are recorded with them so I`m at the right side I have not done anything wrong and they just used their power and did all those stuff to me.Please help me out if it s possible to save my money and account. thank you my name is XXXX XXXX and my company name was XXXX XXXX | ||||||
| 10/28/2018 | Yes |
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| XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist | ||||||
| 11/07/2017 | Yes |
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| I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! PLEASE HELP!! | ||||||
| 03/05/2018 | Yes |
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| I was balancing my checking account online the first week of XX/XX/XXXX. My account was almost {$7000.00} short and none of this qualified for the account monitoring I pay for to be alerted. On XX/XX/XXXX, over {$4400.00} was electronically deducted from my checking to pay for a storage building in California. How this did not trigger any suspicious activity alert, I do not know. Fortunately, this was refunded to me by the bank. Beginning XX/XX/XXXX and going through the first week of XX/XX/XXXX stolen and forged checks were cashed at the BANK BRANCH in person with the perpetrator signing his name, leaving his finger print, and social security number. He was arrested and charged with over 10 felony ID theft and forgery charges, and admitted to stealing the checkbook from my home. I gave U.S. Bank the police report and filled out an affidavit. As stated on the bank 's website I had 30-45 days to submit the complaint, which I did and followed all the requirements asked by the bank.I proved my money was illegally and wrongfully taken from me and the bank closed my account and refused to replace the money. On top of this, the bank closed my account before the last stolen check posted, result in overdrafts fees to the old account. I did everything on my end and I am being dismissed. The bank also allowed over {$700.00} to be electronically stolen in XX/XX/XXXX that I had to catch myself as well. I put my money in the bank so it can be protected from other people, and the bank literally accessed my account without my permission and gave my money away, which is theft. How can U.S. Bank charge for account monitoring and be a federal bank if it can't even protect what little money I had? Money I had to borrow from the U.S. Dept of Education for my tuition. This bank has more than enough to cover my loss, which they allowed in the first place. Had they taken one minute to verify just one of those checks this could have been avoided. I have called over half a dozen times to dispute the denied claim, and ask how they can just hand out a customer 's money when the check is forged, and the teller informed me they do not check signatures or verify checks, as long as there's money in the account they will cash it. How is this fair? How is this a federal banking policy? I just want my own money back plus the overdrafts fees, which is {$1900.00} plus overdrafts. | ||||||
| 11/24/2017 | Yes |
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| In XX/XX/XXXX, I had closed a checking/savings account at US BANK with XXXX and reopened new accounts due to suspected fraud. I had explained to the banker ( s ) that we had Automatic Payments coming from the 'old account ' via either ACH, Check, or Debit Card Number ( s ) that we possibly could cancel or change if needed, but was reassured that they had all the notes in the account and any payments that attempted to pull from the old account prior to the date of close, would pull from the new account ( s ) with no issues. They did tell us that we still had to set up new automatic payments with each company for any future payments, but any prior ones to that day would go through without a problem. They were Wrong. Every payment made from that account was returned, Including the credit card payment that was to be made to my US Bank Credit Card in XX/XX/XXXX. US Bank Did eventually reverse any and all late payment fee 's associated with this error, but apparently did NOT fix the incorrect late payment information they had sent to the credit reporting agencies. Now, we are currently looking to proceed with an application for a mortgage but due to these two wrongly reported late payments, it has dropped my credit score significantly enough to not allow us to proceed. On XX/XX/XXXX, I had spoke to XXXX from US BANK via phone about this matter, because he was the person whom I worked with initially on this issue and told XXXX that my wife, would be in touch via email to discus/receive the necessary documents to allow us to proceed with the dispute process. He agreed, and said we would be in touch. My wife emailed XXXX XXXX from U.S. Bank, XXXX XXXX, WI XXXX XXXX Branch, On the same Day in regard to the misinformation that was reported to the credit bureaus from U.S. Bank ; two late payments from XX/XX/XXXX and XX/XX/XXXX. When she did not hear from him by XX/XX/XXXX, she sent another email to XXXX, asking if he had received the prior email. On XX/XX/XXXX, He responded, saying that he had been on vacation and that he would try to get to it that day. She responded that same day to acknowledge she received that email. After never hearing back from XXXX, she tried emailing again on XX/XX/XXXX, asking for his cooperation with this matter, but still have n't heard back. I have tried calling him as well, but have n't gotten through to him or his voicemail. | ||||||
| 05/27/2021 | Yes |
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| I had the misfortune of working with XXXX and US Bank in XX/XX/2021 when I was looking to buy a family home in XXXX XXXX. The interactions started strong. XXXX provided competitive mortgage rates, issued a pre-approval for a mortgage amount far greater than I needed and was fairly quick to call me back ( always on his cell phone never on a recorded line ). This positive beginning gave me the false confidence to dismiss the other lenders and focus entirely on US Bank, a decision I would later strongly regret. The requests for documents started to come through very piecemeal ; a statement on one day, a screen shot two days later, another statement a couple of days after that. There didnt seem to be any set plan on the documentation needed to process my application. This made the whole ordeal extremely drawn out which posed a serious problem with meeting the escrow date targets. The mortgage requirements also changed considerably. 3 weeks into the discussions the amount of cash needed to purchase my house was increased arbitrarily by $ XXXX, a sum that thankfully I was just about able to raise. This increase was not for an additional downpayment the LTV of the mortgage was to remain the same it was simply an additional requirement with no further details given. XXXX repeated asked me whether my mom could lend me money or whether I had any siblings generous enough to gift me some cash. He had no idea of my person circumstances and I found these questions unprofessional and intrusive. He even went as far to suggest that I take out a person loan, have the money deposited in an account that did not have visibility on, transfer the money to my spouse so that they could deposit the cash in the escrow account to make it look like a gift. Although this all sounded very unprofessional and possibly illegal, I reluctantly agreed. At this point I was too far involved and it was too late in the process to change to a different lender. After doing this, as you would expect, my FICO score plummeted as I took out an unsecured loan. In the end, due to XXXX incompetence and mismanagement of the whole ordeal, I was forced to back out of the house purchase which was a severe setback to myself and my family. He inability to do his job lost me a house, a considerable amount of money in the form of fees and other charges, and also took up a huge amount of my time. | ||||||
| 12/15/2023 | Yes |
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| On XX/XX/XXXX I opened a new Smartly Checking account with US Bank after clicking through an online promo code for new US Bank customers promising {$500.00} for opening the checking account. Over the course of the next few months, I spent many valuable hours completing each step that was required in order to fulfill the bonus, including 1 ) open an account with a minimum of {$25.00} ( completed XX/XX/XXXX ). 2 ) Enroll in online banking or the US Bank app ( completed XX/XX/XXXX ). 3 ) Direct deposit at least {$6000.00} within 90 days of opening the account : I had my employer direct deposit my paycheck into the account, and the following deposits were made : XX/XX/XXXX : {$2400.00} ; XX/XX/XXXX : {$2200.00} ; XX/XX/XXXX : {$2100.00} ; XX/XX/XXXX : {$2100.00}. This totaled {$8900.00} and was within 60 days of opening the account. 4 ) Make at least 10 debit transactions ; this was completed within the specified time limit. In addition to these steps, all other requirements for obtaining the bonus were completed, and were time consuming. Despite this, over the course of XXXX, I have called US Bank at least 6 times to request that the bonus be filled, most recently on XX/XX/XXXX, and prior to that, XX/XX/XXXX, but also many times in Q2 and Q3 of XXXX. Every time I have called, I have been told that I did fulfill every term of the promotion and the agent has shared that he or she does not know why I did not get the promotional bonus yet. One agent said he has sent an immediate request to the promotions department to fulfill the promotion. After a series of calls throughout XXXX, each time speaking with US Bank customer service agents who do not know how to address the matter and can not understand why I haven't received the bonus yet, finally on XX/XX/XXXX the customer service agent 's supervisor told her that I did not receive the bonus because the promotion was only for " targeted '' customers and I was not targeted. However, I clicked on a US bank promotion through an online ad, which is the very definition of target marketing. Therefore, US Bank is both employing false advertising and engaged in deceptive business practices. Furthermore, the corporate office is creating an unfair situation for customer service agents who have no information as to how to solve customers ' complaints regarding the deceptive new checking account bonus promotion. | ||||||
| 08/16/2016 | Yes |
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| I am having problems with US Bank Loss Mitigation department in processing a short sale and receiving expeditious responses from Short sale personnel, team members and even Executives. The loan is a 2nd mortgage home line of credit and the 1st Mortgage has already been Approved. Paperwork was initially sent on XXXX/XXXX/16 but I did not get a response on receipt and I had to fight with everyone that I spoke in Loss mitigation department until a customer service rep finally who gave me their email address. I sent all documents via email. I was told by the same person that gave me the email address that there is no escalation available for short sales in the XXXX XXXX that it will take months and months, which is untrue because we have processed short sales before with the same Lender and there was an escalation option. In between my correspondence with the customer service rep and calling the Loss Mitigation department which proved useless, I called and emailed the contacts I was given by my co-worker sent me on these dates asking for assistance and sent them documents : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XXXX, I called the complaint department and made a complaint/escalation giving full description of the short sale issue, that we need help, that we have approval letter, etc. I was told that they had a deadline of XXXX on this issue then I would get an answer but to call back on XXXX Monday to see if there was a resolution. On XXXX, Monday, I called in to the complaint department to see what their answer was. I was told by one of the managers to call back on XXXX or XXXX late afternoon to get that resolution because it was not ready yet. I called XXXX in the XXXX and that was when the customer service and the same person that took my complaint claimed not to have my authorization. I had to insist on speaking to the manager. She finally transferred me to the manager and was told that there was no authorization on file. I got his email address and sent him the authorization. Today I get an email from him letting me know that I can send him a detailed email regarding our complaint. He also said he would send our authorization to various departments that needed it in US Bank. I have re-emailed a long description of our complaint to him and to other executives and personnel with US Bank regarding our complaint and a complete timeline of it. | ||||||
| 04/11/2016 | Yes |
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| On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account. | ||||||
| 03/28/2017 | Yes |
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| I booked a flight through XXXX on XX/XX/2017 which was XXXX leaving XXXX to XXXX on XX/XX/2017 returning on XX/XX/2017 arrived @ airport@XXXX. for catching plane@XXXX. went to ticket counter to get boarding pass & ask if i could take my XXXX suitcase on with me, agent said yes get to XXXX lotion was over the amount to travel so i went back to ticket counter to check the suitcase in agent stalled me & said she is processing to check luggage then she said i 'm sorry it 's to late to check in & if i check your luggage you will miss your flight i replied that I have enough time to catch my plane can I speak to a supervisor, she replied she is at the airplane boarding passenger she is busy she will be with me after she finish, XXXX was the supervisor, she stated to me she will not be able to help me its nothing she can do about my plane leaving & i can call customer service to re-book another flight, & told her staff lets go we are officially closed, I sat in that airport calling customer service I spoke to XXXX explained the action of XXXX staff she stated she would refund my monies for the inconvenience, & put me up in a hotel & there would be no charge for checking in my luggage i did n't leave i waited for the counter to open@XXXX. spoke to XXXX the supervisor, explained what XXXX said & stated there would be notes to confirm, XXXX said to me it will not be valid if i want to catch a plane the best i can offer you is standby & you need to pay & XXXX for the XXXX passenger & {$30.00} to check in your luggage i replied I had a round trip ticket paid, so i was force to pay amount on XX/XX/2017 I wanted to get home I contacted my credit card services elan credit card services ( Gateway Metro Credit Union ) to file a dispute on XX/XX/2017 I have been giving the run around for an entire month being shuffle from card member services representatives XXXX to supervisor, ( XXXX ) of Disputes I was told that they will figure out how to get monies return to me because they are not sure what it would fall under instead i was given the run around to send in rebuttal i did by fax still denied so I am reaching out to get a resolution to receive all my monies that have been paid to XXXX, I also am complaining the actions that elan credit services taken on XX/XX/2017 had terminate the use of my credit card i feel this is so disrespectful as being a customer. | ||||||
| 09/03/2016 | Yes |
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| On XXXX/XXXX/2016, US Bank sent me a letter stating that, I owe them {$1200.00}, they already closed the account, but I 'm the one responsible to pay them back. It was really out of blue, cuz I 've never opened an account with US Bank. So I went to the US Bank Branch in XXXX and found out the account was opened online, and I immediately assumed that my former roommate XXXX XXXX XXXX XXXX did it as he was arrested for Identity Theft and Commercial Crime on XXXX/XXXX/2016. After his arrest, we found images of my Social Security Card and Drive License along with other victims 's on his computer. So I explained all this to the Branch manager and opened a claim for fraudulent open account. During investigation while I was there at the Branch, the Branch manager pulled out records of a few deposited checks in that closed account, including fake checks which XXXX XXXX made himself and a stolen paycheck from my neighbor. So I asked the Branch manager for copies of the check images for me to file a police report with, but she refused to give them to me, her excuse was that she did n't have permission to which was an obvious lie as they claim it was " my account '', why would n't she and I have permission to access " my own account ''? Anyway I left the branch after I filed the claim. Upon request, I followed up with my statement and a police report I made a day after at the XXXX Branch. But after a week or so, US Bank sent me a letter stating that, they closed the claim not in my favor, the accounts were not open fraudulently, and it is a civil matter between me and my roommate. After that I called US Bank many times to ask them for explanation, they could n't even give me any detailed explanation but was only basically saying that it was my fault for having allowed my roommate to gain access to my personal information, which seems like total nonsense to me. Then I asked the supervisor of the claim department over the phone to provide evidence they have to prove I was really the one who they believe opened the account, but she came up with excuses trying to avoid getting into that conversation. I, Ran He as a victim is being treated unfairly by US Bank whom does n't care about right or wrong, but is only concerned about regaining their loss. To me, this is not only about money but also justice that needs be justified and solved in a righteous way! | ||||||
| 04/25/2023 | Yes |
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| I phoned Fidelity on XX/XX/XXXX to report a fraudulent charge on my Fidelity rewards Visa credit card. There was a charge of {$4000.00} made by an art gallery in XXXX XXXX that I have never been to. I noticed the charge on my XX/XX/XXXX statement as I was working on my XXXX taxes. I told the Fidelity representative when I phoned that I noticed the unauthorized charge from XX/XX/XXXX as I was reviewing my statements while combing through receipts. They immediately cancelled the card and issued a new card and opened the fraudulent charge case. My account was credited initially, but Fidelity put the charge back on my account after deciding to not defend my fraudulent charge claim against this gallery. I was never told the outcome of the claim via email or mail. They just put the {$4000.00} charge back on my account. A representative from the bank card phoned me the day after I submitted the fraudulent charge. I told her I have never been to the gallery or heard of the gallery. She asked me if I buy art and I said yes, but I can not afford to buy art for {$4000.00}. I generally buy art from friends or small local art shows for {$100.00}, never {$4000.00}. I phoned today to follow up on the claim and the Fidelity representative told me that because I told the person ( honestly ) that I do buy art, they put the charge back on my account. I DID NOT BUY ANYTHING FROM THIS GALLERY, NEVER HAVE BEEN TO IT OR HEARD OF IT! Their ruling is completely subjective and unfair. I gave them my honest report of what happened and I have been a loyal cardholder for years. I asked the Fidelity representative ; what if they asked me if I ate food? And answered yes, after disputing a charge for online groceries? The charge by this art gallery was unauthorized by me, Fidelity never protected me when the charge was made- I should have been contacted when the charge was made or attempted by this gallery. It was a suspicious charge and Fidelity did not protect me then and they are not protecting me now. I am furious and plan to write a letter to a fraud supervisor at Fidelity and speak with an attorney. Another question I ponder on the suspicious charge going through and approved by Fidelity- why an even {$4000.00} charge? Art is taxable and the charge they approved was even. They have a terrible fraud/alert system in place, and they need to protect their clients. | ||||||
| 02/12/2020 | Yes |
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Web | Older American |
| Regarding Acct. # XXXX My ex-husband and I have been dealing with US Bank for over 15 years managing and paying an Equiline account on time each month. Once we received our divorce in XXXX the bank would not divide the loan in half because he retired in XXXX and I was still working so our attorneys told us both to pay one half the bill each month. The account has matured and we are no longer able to draw funds on it and the bill has gone from approximately {$600.00} to {$1300.00} per month. We are both unable to make this {$680.00} payment each month and the bank has encouraged us to refinance. For some strange reason we were not able to refinance with a conventional loan so they suggested we go through Loss Mitigation. We have sent in application packets with requested documents from XXXX through XX/XX/XXXX but they refuse to approve this loan. To make things worse, they have assigned a different Relationship Manager ( RM ) every month or so causing more confusion. We have had XXXX, XXXX, XXXX, XXXX and now XXXX. They rarely answer the telephone when you call and when they do they won't give any concrete answers about the application status and they have never told me exactly what documents they did receive from us. They continue to ask for more and more documents from us starting from scratch. During one phone call XXXX thought my house was attached to this Equiline account when actually it is the house that my ex-husband lives in. I know I have sent in the documents requested because I have scanned them and sent them from the Public Library and it provided a scanned copy for my file. Another time I sent them from one of the local US Bank branches. I asked the RM there to look over the packet to make sure I had everything included but she would not do it ; she said she was not allowed to do so. However ; a week prior, I was there and she encouraged me to come back anytime I need their help. US Bank has exemplified poor customer service, discriminatory loan practices, unprofessional and unethical business etiquette in the 21st Century. I am appalled and there is no excuse for it. I have also experienced several other issues with US Bank regarding other account I have with them. I do not want to get into those issues right now. I want them to be accountable for this unacceptable behavior. XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/13/2018 | Yes |
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| I have been a US Bank valued customer since XXXX in good standing. XX/XX/XXXX I decided to close my checking account by calling US Bank customer service hotline. The customer service representative confirmed I did not have any pending transaction on my account and I can proceed with account closing. The representative also mentioned that the balance on the checking account will be mailed to me in the form of a check. 30-40 days after I successfully closed my account with US Bank and received balance amount by mail I received also a letter from US Bank stating that I owe US Bank {$92.00}. The matter is customer service representative violated account closing policy by not verifying that there was a pending transaction. Instead, by verifying that there is a {$92.00} pending transaction I supposed have not been granted permission to close the account for up to 180 days according to the US Bank account policy and regulations till all pending credit or debit transactions are posted on my account. Once I received the letter stating I owe {$92.00} to US Bank I called US Bank Recovery department at XXXX and paid the balance in full right away without disputing it. I thought I took care of the issue. However, on XXXX I applied for XXXX XXXX XXXX checking and savings accounts and was denied service based on the information on my XXXX report. I requested a copy of the report and I see that US Bank reported that I ABUSED my US Bank checking account on XX/XX/XXXX. I contacted US Bank Recovery department to get the explanation how and in what way i have ever abused my checking account. No explanation was provided. XXXX- representative, FAILED to confirm and explain I have ABUSED the account. Instead, they stated US Bank closed the account because the balance went negative - {$92.00} on XXXX. It does not make sense. Since I, as a consumer, requested to close my account sometime end of XX/XX/XXXX. The bank representatives do not treat me with fair practices. I was provided with US Bank Recovery department supervisor name and the phone number to resolve the issue. I have been calling XXXX twice a day during regular working hours for the last 5 days in a row and leaving XXXX ( supervisor - ext. XXXX ) voicemails every single time. I was not able to get hold of her and she never ever called me back after receiving of total 10 voice massages from me. | ||||||
| 01/24/2017 | Yes |
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Web | Servicemember |
| Good day. My name is XXXX, and I am filing a complaint against US BANK CORP in regards to multiple fees. I opened a US BANK account around XX/XX/XXXX, responding to an internet offer. After an initial deposit to open the bank, I found myself not using the account and did not manage the account for a period time. After receiving a statement saying they were closing the account, I concluded that there was no further action to be taken. Not knowing that a credit card payment had been made due to an auto payment set up, US BANK continued to add on several or more fees knowing that the balance was accumulating over XXXX dollars in the negative. After receiving a letter from a collection agency regarding the US BANK account ( I was unable to login to the account after US BANK had locked up online bank access ) I was shocked to see a balance of {$250.00}. After contacting the collection agency and having them cease and further efforts to collect on the debt, I filed a dispute with the XXXX, and received a statement from US BANK Corp regarding the balance. I disputed their efforts to collect on the balance stating that their numerous weekly overdraft fees, along with a " closing account '' fee of {$30.00} were unacceptable and that I would be willing to pay for the overdraft fee and balance for the payment to my XXXX. What I do not agree with is why banks allow an account to go negative, thus accepting a payment, allowing the balance to go negative and then adding on nearly {$200.00} in fees. It feels like I paid US BANK {$200.00} to open an account for a promotional offer. I replied to their first statement noting the fees and my offer to pay for what I feel is my responsibility, only to receive a second response stating that I was to pay the full amount, and that the record would remain on my XXXX file. No remorse, no empathy for my situation, pretty much that " this is how it is, we hold all the cards, you pay us now ''. I find this unacceptable and for the most part, criminal. I come to you today to assist me in showing these big banks that they can not bully us into paying all these ridiculous fees, a " closing account fee '', really? The further you put somebody in a negative balance the worse an impact it has on their financial situation. I would never even have taken their promo offer if I knew I would be out {$200.00} after XXXX months. | ||||||
| 11/26/2023 | Yes |
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| Notice to the agent is notice to the principal ; notice to the principal is notice to the agent. Pursuant to XXXX XXXX XXXX ( l ), the term " credit card '' was used to initiate the consumer credit transaction. I'm also the cardholder and the holder in due course. Pursuant to 15 USC 1602n, I'm the one who came in with the credit card to initiate the transaction. It is not possible to get denied what I came in with. The term adverse action never mentioned anything to do with the consumer getting denied credit. Because it is impossible to get denied something that I'm granting to your corporation. The right to extend credit. Pursuant to 15 USC 1602, the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments. Credit is my right, and I'm the one who regularly extends credit and the connection with loans, pursuant to 15 USC 1602g. I'm the original creditor, and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction, and this is an unfavorable situation for the consumer. No where In the term adverse action defined within the FCRA, does it mention that a natural person can be denied credit? As an original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used, and I received no benefit from the use of my credit. An inquiry popped up on the consumer report, which is a receipt of a transaction. Someone got paid for my credit, and I received no benefit from it all. In fact, damages were done for the denial of my rights, both mentally and financially. I've been discriminated against as there are no federal laws that state a credit score can deny me my right to extend credit. I've in good faith exercised my rights. And I, a natural person, have been discriminated against pursuant to 15 USC 1691. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. I'm aware of my open-end credit plan and my right to contract unlimitedly without being denied. I demand your company reinvestigate this matter and abide by federal law to open up the account to which I extended credit. | ||||||
| 08/09/2022 | Yes |
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| On XX/XX/2022 I made an ATM deposit to my checking account using a cashiers check for {$10000.00}, after reading the deposit agreement I was under the impression it would clear no later than 5 business days, immediately after making the deposit approximately {$200.00} was available so I assumed nothing was wrong. The day later I attempted to use {$30.00}, the transaction was denied, so I went into the app and saw my balance was only {$10.00}, the amount they had cleared earlier was gone. I proceeded to call US Bank the following Monday to understand what went wrong and I was now told it would actually be 7 business days despite readily available information stating its 5 business days you have to dig a lot to find its actually 7 on occasion and it states they are to provide notice in those instances, I have paperless set on my account and I have no notice in my secure messaging inbox nor was any notice given when I made the deposit. When I asked to speak with a manager I was transferred to a woman who claimed to be a customer service manager, the entire interaction with this woman of which I more so consider an altercation went as follows, after telling her the entire story she says " Its common to not have education about the banking system. '' clearly insinuating I have no education about the banking system and then when I informed her the last bank I dealt with was clearer about a delay of this nature she interrupted me to say " OH REALLY WHAT BANKS '' and then mockingly laughed at me, she would also constantly raise her voice at me and interrupt me, she also said my check had a " high likely hood of not clearing and being returned because its made out to a business '', I then told her I had a picture of the check right here and I see its addressed to myself she then said " oh my bad your name was cutoff '' I tell her this experience is appalling and she had been extremely unpleasant to which she says " I apologize that YOU misunderstood me '', I also asked why wouldn't it clear as she seemed to have some knowledge no one else had but she refused to state why despite this being a cashiers check made out to myself from my old bank account. I hung and called again now totaling almost 3 hours of phone calls in one night to this bank to forward a complaint against this manager, I do have in my possession a number for this complaint. | ||||||
| 08/11/2020 | Yes |
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| Thank you for taking the time to consider my complaint about US Bank and their partner Elan. My wife, XXXX XXXX, and I requested this account be closed multiple times via phone, but it was never actually closed. The account was not be used or monitored by either XXXX or XXXX XXXX as it was presumed closed. The issuer allowed an annual recurring charge to be charged to the account, even though there had been not activity for 12 months and a new XXXX number had been assigned which was never activated by us. I called to dispute multiple times but the account status was not clear for several months, due to sale of the Fidelity credit card portfolio by XXXX XXXX XXXX to another issuer. Finally, after extreme frustration in the dispute, we decided to pay the balance given the low dollar amount of {$51.00} and avoid charge off. Account activity over the time period from XX/XX/XXXX - XX/XX/XXXX supports this explanation. HISTORY : ' Account opened XX/XX/XXXX, regularly used with high credit limit of {$25000.00}, with no payment delinquencies until XX/XX/XXXX ' In XX/XX/XXXX, account balance was {$0.00} and called to request the card to be closed. We stopped monitoring the account. ' {$39.00} annual fee was charged in XX/XX/XXXX, but went unnoticed until XX/XX/XXXX when it was paid in full ' In XX/XX/XXXX, I again requested via phone for the account to be closed and again stopped monitoring ' There was no activity from XX/XX/XXXX until XX/XX/XXXX, when another annual recurring fee was charged to the account ' Again, given that we thought the account was closed, we were not monitoring ' When I discovered the account was still open and another charge had been allowed I called to complain and dispute. There was some confusion by the servicing agent given the accounts were in transition from XXXX XXXX XXXXXXXX to another issuer { due to portfolio sale ) ' Finally the account was closed in XX/XX/XXXX at my request. I presumed the charge had been reversed. ' Upon receiving notification that there was still an unpaid balance in XX/XX/XXXX and, given my level of frustration with the matter and the time required to resolve, we paid the balance of {$51.00} in XX/XX/XXXX and ended the matter. - In XX/XX/XXXX, I disputed the charge through XXXX and USBank updated their credit report incorrectly to show that the account was not closed until XX/XX/XXXX. | ||||||
| 06/02/2020 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I used a US Bank ATM machine to deposit {$500.00} in cash, all in twenty dollar bills. The location was the US Bank ATM at XXXX XXXX XXXX XXXX, XXXX, MN XXXX. I used my US Bank issued VISA branded debit card to make the deposit. I loaded the bills in groups of five, and the machine counted up to {$400.00}, then I inserted the last five {$20.00} bills. The machine then made a different sound, and I could tell it wasn't counting the bills like the ones I had just inserted. Then the machine made beeping sounds, then other sounds in the back of the machine. The screen went black, then the screen said something about an error with a cable in the back. The screen went black again, then restarted, then said that the machine was out of service. I called my husband in from the car where he was waiting outside, and told him what happened. The machine had not returned by debit card, so I pushed cancel, enter, and all the buttons until the machine finally spit the card out. I never got any kind of receipt, and the bills were all inside the machine. I called the XXXX XXXX consumer number right then at XXXXXXXX XXXX and told them what happened. They took all the information, entered a claim for me, and told me not to worry, they would get the money back. We didn't get anything in the mail, or by email, or any notice in our online banking accounts. Five days later on XX/XX/2020, I called again, talked to XXXX who gave me our claim number. She said it can take up to ten business days to process. After not hearing anything again, I called again on XX/XX/2020, talked to XXXX, who said the claim was denied, but could give no reason why. On XX/XX/XXXX, we received the claim denial letter that said that no error occurred with our transaction, so they have denied the claim. We then contacted our local personal banker at US Bank and left a message about what happened and that we would like to meet with her. We have since left her another two messages to arrange a meeting, but she has not returned our calls. We have been customers of US Bank for over 40 years, have never written bad checks, have never been in any kind of default or claim with them prior to this, and have numerous deposit accounts with them. We feel like we have been robbed by our own bank. We don't gamble, and never expected that using their ATM machine could be like gambling! | ||||||
| 04/05/2021 | Yes |
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| On XX/XX/XXXX I received a notification from XXXX that US Bank had reported a 30 day late on my credit which negatively impacted my credit history. This issue started in XX/XX/XXXX when there was a fraudulent charge ( {$500.00} ) on my account that took US Bank more than 6 months to resolve. This charge put my account over the credit limit and increased my monthly payment to an incorrect amount. After contacting US Bank more than 6 times to resolve this issue I spoke with a supervisor on XX/XX/XXXX who told me that the case was closed and I would be receiving a final credit. US Bank then reported that my account was over the limit on the same day ( XX/XX/XXXX ) even though the investigation had been completed. After contacting US Bank yet again I was told that the credit had been applied and reflected in my account however my payment was not adjusted and that I should wait for the correct amount. However after attempting to log into my account a few days later to make a payment I received a message saying that my account was locked. I contacted US Bank for help with resetting my password and was told to change my phone number in order to receive the text verification code. After changing my phone number the following day I attempted to reset my password. However there was no longer an option to receive a verification code and instead I was asked to enter a PIN number which I never received. Once more I contacted US Bank about this issue. Customer service took over my screen and I physically showed them the message I would receive upon attempting to log into my account. I was not provided a solution and the following day I contacted US Bank about making a payment over the phone. Customer service then demanded that I pay over {$600.00} because the payment had still not been updated to the correct amount. US Bank refused to allow me to make the correct payment and then indicated that they would report a late payment to the major credit bureaus even though they were aware that this amount was not accurate. I still do not have access to my online account and I still can not make any payments. This is unacceptable behavior especially when US Bank has been having major issues with their website and app. Additionally this violates the Fair Credit Reporting Act. Therefore I have submitted this complaint for investigation. | ||||||
| 06/15/2018 | Yes |
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| I am in the loss mitigation process. i had paperwork that was due XX/XX/XXXX i faxed my profit loss form XX/XX/XXXX by XXXX XXXX after faxing my document I even emailed my mortgage counselor. I had everything I needed written on the document even the receipt of the fax. My mortgage counselor called XX/XX/XXXX and said that I was denied for the program due to not faxing the profit loss form that I actually faxed. I asked her even though I have my receipt and wrote everything on there and she said How do I know you didn't just write the loan number on there. When I heard that it crossed my mind to XXXX XXXX XXXX XXXX because I knew that if I was denied out of the program at any day they could come and tell my children and I to leave. Fortunately im guided by XXXX. This is the third time this bank has made a major mistake like this and the fault has fallen on me. This company either needs to change policies, enforce rules or find employees who can perform the job. These people have important positions with important tasks that involve other human lives. They need to take their job or company more serious. Nine years ago they paid my insurance twice and at one time my mortgage had went up to XXXX but started at XXXX because of escrow shortage, and then threw me in a government program. Then in XX/XX/XXXX they set me up a payment arrangement where I had to pay a down payment of XXXX and then follow up payments. We set up an automatic payment through my account and he had such a hard time getting it done. And when they told me it wasn't paid on the correct day i was terminated from the arrangement they also told me automatic payment had not been set up. Their employees are making huge mistakes with even bigger consequences and its nothing to no one. Im starting to think this is how its suppose to be. The banks make a complete fool out of their customers and the system allows it. They are the system. How are they allowed to keep doing this. Are they just trying to take my home? I really need them to accept my paperwork and get this process over with because of this bank I am mentally drained, and in a depressive state everyday. Buying a home cash should be the American Dream anything else is setting yourself up for failure and a nightmare, but the companies are set up to win ... ... ..well duuuh but you shouldn't be allowed to do wrong | ||||||
| 11/18/2022 | Yes |
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| I was repeatedly assured that I could get a lower rate or lock in a lower rate if the rates went down. I asked this question several times and received the same answer. When rates went down he ( XXXX XXXXXXXX ) with US Bank, acknowledged that they had gone down ( XX/XX/XXXX from XX/XX/XXXX ) and then he said he would shop the loan when he had loan approval that day or the next. I received loan approval on the XXXX and he said he would shop for rates. When I pressed him on the XXXX, he told me that there was not ENOUGH of a difference in rate for him to change it. THIS IS NOT WHAT I WAS TOLD. I was told that if the rates lowered, that I could get a lower rate. THERE WERE NO QUALIFIERS. Only, when the rates lowered, and I questioned AGAIN about securing a lower rate was I told, he needed to wait for loan approval in order to do that? Then after loan approval he says the difference was not substantial enough. When I questioned him about the it on the XXXX, it was a XXXX point difference from the day that he locked it. A XXXX XXXX XXXX XXXX is a very significant difference to me. When I went to his supervisor XXXX, she actually stated to me that he did not technically lie. She completely ignored what I had been previously told and presented his latter statements as true statements. So me being told that I can lower my rate if the rates lower ( which they did lower substantially between XX/XX/XXXX and mid XXXX ) means what? How was I supposed to interpret that answer? Please tell me, how was I supposed to interpret that answer? Yes, I can get a lower rate if the rates drop? There were no qualifiers to that repeated answer to my repeated question. I specifically went with a large bank vs an online lender thinking it was going to be a more respectable and forthright transaction. I WAS WRONG THERE. What I got was repeated misrepresentation. I went out of my way to ask questions as this was a huge commitment to make, even before opening escrow, before depositing my earnest money with escrow and throughout. At each stage I was offered assurances about the loan estimate changing for the better, about the ability to better the rate if rates improved. I know that I am still not being told the whole story by the bank or its representatives. They have yet to be forthright in their representations. Meanwhile, it has cost me $ $ $ $ $ XXXX | ||||||
| 02/16/2023 | Yes |
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Web | Servicemember |
| This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. I then paid the balance in full. XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX on the new date. I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. I ordered a new credit card and was told that my refund would automatically post to my new card. ( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. I am told U. S. Bank that they can not process my refund. I have told them on multiple occasions that I don't understand why my refund is not being returned to me. I am under extreme duress due to this and need help to resolve and get my money returned to me. I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. I can give any info that is needed. Thank you, XXXX XXXX. | ||||||
| 01/19/2018 | Yes |
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Web | Older American |
| I signed up for the " XXXX XXXX '' credit card several years ago after having an account with US Bank since XXXX. The card promised airline flights on a tiered mileage program where I could get a ticket for XXXX points/dollars spent without restriction on when I could travel, providing normal seats were available. I accumulated XXXX points over several years and intended to use them now that I am retired. On XX/XX/XXXX, I called in to XXXX plan to book a flight late in XXXX. I was shocked to find out the XXXX plan program was changed in XXXX to a market based system where my points are now worth about 60 % of what they were worth 10 days earlier. After several hours, I finally booked a ticket at XXXX points. The options available for when I would travel and stops were also very limited through XXXX plan, but not if I contacted the airlines directly. So I am now having to pay whatever the market will bear ( and it does appear the airlines are charging the bank top fares which get passed on to the consumer under this new system ). The promise I will not have closed days and higher cost days is also now invalid because now the market value basis on popular days or popular times makes the cost in points prohibitive. If the bank had implemented their new program but made points accumulated to that point grandfathered in under the tiered rules when the points were accumulated, there would not be a problem. The bank tells me they sent snail mail envelopes to my post office box notifying me of these changes, but I did not receive any notices of this change. They could have emailed me, called, or provided some sort of confirmed receipt of the messages they supposedly sent -- but no effort was made by the bank to do that. I do not believe the notices were sent to the correct address. Even if they were, the practice of reducing my accumulated points to 60 % of their previous value and not honoring their promises using a grandfathered in approach is irresponsible. I am now XXXX in a protected XXXX class and unethical slight of hand tricks to reduce the value of my travel opportunity now that I am on fixed income shocks me. I do about {$30000.00} in business with us bank each year on my credit card. I am surprised the bank thinks it is worth it to reduce my flights ( using rewards ) from 3 to 2 after all this time and money spent with the bank. | ||||||
| 10/16/2021 | Yes |
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| I am a new immigrant in the United States for 9 months, I opened a check account at US bank with the online banking option, every day I receive several phone calls and messages that offer me bank loans, one day I myself am interested in changing my car and I submitted an application for a car loan, then I received a phone call asking me for personal information as well if I work and in which company and how I am paid, I have him explain that I work with XXXX cubes and I receive my salary by direct transfer to my bank account, he asked me to see the last two paystubs and he told me to show me my bank statement, and he asked me to connect to my bank account, then he received my username and my password, suddenly my online account was blocked and I had to phone my customer service bank to unblock me and give me access back to my account, unhappy She couldn't, but I couldn't understand why because my level in English is still low, after 2 hours I received a telephone from US bank and another assistant talking to me with an American accent that was very difficult to understand and a poor quality of hands-free network because I drive my car and seeing that I thought it will solve the blocked account problem, it made me understand that my bank account will be closed. I was too surprised because I could not imagine the reason for this decision, the next day I went to the branch in XXXX and I spoke with the manager of the bank who tried to help me by calling the appropriate service but unfortunately they refused to resolve my situation and either I could not withdraw my funds, I explained to him that I need my money because I have payments to make to pay my rent and my bill and my medications and to ache take food, etc... His answer was no and that I will receive my money within 30 to 45 days, I was too upset because I work hard every day and to receive my pay and my bank blocks me, so what good is a bank if it does not provide a service. In addition I had to ask my employer to change the account number to another bank for my payroll. I wanted to draw attention to my experience and the badly with the difficulties that I am facing on this incident especially since I do not yet master English, if the assistant noticed that I do not understand it is her fault to continue asking me questions, she should have given me an interpreter at least. | ||||||
| 02/20/2016 | Yes |
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| NEW FORM OF CREDIT CARD SCAM USING ONLINE XXXX. I would like to make a report. The popular websites known as XXXX where people search for jobs is now a medium through which scammers target US resident to work with them. I, m a victim along with others because I 've seen where they post about it. They represent themselves to you as owner of online XXXX XXXX. They go by various name such as XXXX, XXXX XXXX, XXXX and XXXX. They are very good at what they do. I was offered this project on XXXX. First they tell you that they are not tech savy so they would like you to build a website for them and create a new email for business. The salary is XXXX per week. Once all that is done they send you all kind of agreements and policy also they send you pictures of the painting. Once all of that is done you are required to create a merchant account with XXXX. XXXX and XXXX is the only companies these scammers use i dont know why. Once the accounts are created they ask you to process orders. They have a long list of credit cards information for XXXX of individuals who lives in the US. Ive seen in only on webcam because they interview you on hangout. You are then required to process 10 orders per day they provide you with the individuals information. Of the 4/5 orders only 3 successful the money one painting cost XXXX dollars. So thats XXXX per day to be deposited to the square account after that the company would deposit the money to out bank accounts. I found out before it was too late because i started asking question and i realize they did n't want to answer until XXXX of the deposit went to my bank account total of XXXX the next morning the victim of that scam call me i explain to her what happen she told me that she did n't purchase any painting so i sent her screenshot of all the conversation and the information given to me then i notify XXXX XXXX of whats happening. After all that i refunded the money to all the individuals Its getting really popular they only target person living in US i would love for the work to get out below is a link to two other persons it happen to as well. I have email conversation i have phone numbers i have the conversation as evidence please look into it. XXXX I made a report to XXXX about it and also made a report to US bank about it. I still have the individuals credit card information as well as evidence. | ||||||
| 02/27/2017 | Yes |
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| Over 12 years ago I got married and went to my local US Bank branch to change all my accounts from my maiden name to my new married last name, so I thought? Apparently they never updated all my accounts I was told because when I recently had a credit check run to purchase a new home. I was told that I had a debt that was being sent to collection against My US Bank Premier Card for over draft protection on my checking account. I called US Bank to find out what was going on and why had they not sent me a bill for my overdraft protection services. After speaking with multiple bankers and spending hours on the phone trying to figure out why I was never sent a bill, we discovered they still had my maiden name on the account. I had not used the overdraft protection for years and yet the Overdraft Protection account was stated on my monthly banking statements that were sent to me my married name every month. I was told by US Bank customer service that they must not have got my address updated 12 years ago to reflect my new married name. So i asked if I could get my name changed so I could get the statements for that Overdraft protection accounts corrected so I would receive the statements. I was told I could not change my last name with the customer service representative, that they had to send me a form out in the mail to do just that. Problem being that all my mail is being forwarded to my winter location so that would mean that the form would not get to me because of the name being My maiden name on the mail and not my married name of which all my mail is being forwarded to me by. So I asked can you send the form direct to my winter forwarded address so it will get to me because mail with the incorrect name will not be forwarded to me. They said they could not send me the form so basically they could not correct my name so I could get my statements sent to me with the correct name so I would have been able to get the mail that had been being returned back to them due to incorrect name. I paid the amount I owed them and asked them to close my overdraft protection account because they could not correct my name for future billing statements. I can not believe with all the information on my statement that they could not help me to fix this issue due to US Bank not getting my name changed like I requested 12 years earlier. that the | ||||||
| 06/06/2023 | Yes |
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| I am writing to express my concern that US Bank is not being properly regulated. There appears to be incompetence, poor governance, and poor data controls.I was recently denied a mortgage ( refinance ) with the following explanation under the heading, Principal Reason for Credit Denial, " Status of Prior U.S. Bank accounts '' .This surprised me, as to the best of my recollection I briefly opened a savings account at US bank a long time ago ( I have subsequently learned from US bank employee XXXX XXXX that it was in 2012 ), to set aside some fundsfor home repairs. I then closed that account, probably after a few months. This was so long ago, I barely remember it at all. Yet apparently it was the reason for my credit to be denied.What is of even greater concern is the management of my personal data. When I attempted to find out about this account and why it caused my credit to be denied, none of theUS bank employees I contacted could find any record of my account at all. I spoke to my local branch ( where I had opened the account ) ; someone at the collections department ; XXXX who was at Customer Service headquarters ; XXXX XXXX ; and XXXX XXXX, the MortgageOperations Manager in Missouri. XXXX XXXX contacted the underwriter to inquire on my behalf, but got no information. Eventually his boss, XXXX XXXX, was able to find out that the account was from 2012, but could gather no further information as to how or why this influenced my credit denial. Each of these representatives of US Bank indicated to me that they had never before heard of asimilar situation.I am deeply troubled as to how and why the underwriter has access to account information from more than 10 years ago, that nobody from the bank appears to know anything about, and that I myself am unable to access. Where are my records, and who has access to them? Finally, it seems like negligence to me, that after US Bank approached me to offer me this mortgage, they did not contact me to notify me of the denial. All of the loan officers I dealtwith disappeared, and failed to respond to my attempts to contact them. I eventually found someone else at US Bank who was able to investigate, and he informed me that the loan had been denied -- this was subsequently confirmed via a denial letter. Surely this violates the basic principles of good governance for a financial institution. | ||||||
| 11/30/2022 | Yes |
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| This complaint is toward US Bank I have a mortgage with US Bank ( since XX/XX/XXXX ) with both me and my husband 's name is on the mortgage. My email is used for all back correspondence for this mortgage. In XX/XX/XXXX, I received an email from US Bank stating " 1. A minimum deposit of {$25.00} is required to open a U.S. Bank consumer checking account. To earn your {$300.00} or {$500.00} bonus, open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) by XX/XX/XXXX. Additionally, you must complete recurring direct deposits of XXXX or more that total : $ XXXX {$4900.00} to earn {$300.00} ; {$5000.00} or more to earn {$500.00} and enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. A direct deposit is an electronic deposit of your paycheck or government benefits ( such as Social Security ) from your employer or the government. Other electronic deposits or person to person payments are not considered a direct deposit. The checking account bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App, as long as your account is open and has a positive balance '' I then called US Bank and asked the woman of qualified and she says yes and opens the account for me. I set up direct deposit immediately and use the mobile app. I did everything I was told and never received the {$300.00}. I called the bank about 4 times and spoke to different people and no one could tell me why I didn't receive the money. The just kept saying the would have the rewards department call me. Eventually, months later, now XX/XX/XXXX, I finally speak to supervisor and was told that my reward was denied because my name was not on the email but only my husband 's name was. I told her that no one told me this and that this isn't fair because I opened the account for this reason and I believe I was not clearly informed of what was needed. I want to file a claim for {$300.00} to be received due to my doing all the steps correctly and in the timeframes required and being given misleading information about if my name was on the email or not. And for the rewards employees writing notes on my account stating the contacted me via email or call because they never did. | ||||||
| 07/02/2021 | Yes |
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| I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are XXXX!!! | ||||||
| 09/28/2023 | Yes |
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| I opened a business checking account with US Bank and made use of their offer whereby I would get a {$750.00} bonus if I were to complete certain activities as described on their website. The terms clearly stated the following : To earn up to {$750.00}, open a U.S. Bank Business Checking account using a promo code and complete the following activities : - Open a U.S. Bank Business Checking account ( Silver, Gold, Platinum ). - Deposit {$5000.00} or {$15000.00} in new money within 30 days of account opening and maintain your balance for 60 days. - Enroll in the US Bank Mobile app I deposited more than {$15000.00} and maintained the balance for more than 60 days but my bonus was not given to me. I reached out to US Bank and lodged a complaint whereby they informed me that I had to ALSO login to my US Bank Mobile App with my business checking credentials. It was not at all clear from the promo materials, or from the language that I had to do the above. I already had created my account with US Bank as I'm their consumer checking account customer as well, and as soon as I opened my business checking account it started showing up in my Mobile App upon login. I had no clue that there's a different login and password that I have to make, or to login in to the Mobile App via that. Ultimately, someone from US Bank reached out to me and acknowledged that I should have been given the bonus and escalated the issue internally. After a few days, a bonus amount of {$500.00} got posted to my account. Upon raising the issue again that I should have gotten an amount of {$750.00}, the US Bank representative informed me that I only qualified for the {$500.00} bonus since I had not deposited the {$15000.00} amount and maintained the balance for 60 days. This statement was absolutely false. I opened my account and on the second day itself deposited more than {$15000.00} and maintained that balance for more than 60 days so I should qualify for the full {$750.00} bonus. However, US Bank and its systems are not working properly, and neither are their employees, whereby I'm not getting my full bonus amount credited to me. This is a huge issue and hasn't been resolved even after a lot of correspondence with the US Bank team. I'd like to formally lodge this complaint so that I can get my dues posted to my account asap. Thanks! Best, XXXX XXXX | ||||||
| 11/09/2018 | Yes |
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| Hi, 1.The US bank is recently stealing money of consumer through different ways. They have charged me many times, and sometime by disputing they fix the error, but most of the time they don't. On XX/XX/2018 they charged me overdue fee amount of {$36.00} without any reason. I called them more than 100 times to their customer services to solve the problem. Their customer services behave badly with clients, and they play a football game by transferring you to different departments. The loop goes for ever. Each time I call them they transfer me to each other for hours, until I stop the call. That is their strategy to steal people money and make them not call them back. I have been calling them each other day to solve my issue they told me it will take 10 business day, and it took more than 6 months. Last time when i call them to fix the issue they told me it is old case we dont keep data from 6 months. I told them that how it come a bank dont keep data of client when the client is disputing about that case. I told them if you dont have the prove I have it because i have the print version of my statement. They cut the call. So now I am confuse what to do? 2. For the second case even though I opened case just couple days ago, but I will relate this with the above case because there is something going wrong with the banking system, I hope the CFPB and any other response government agency take the case more seriously because I fear they are doing the same thing with many clients. On Saturday XX/XX/2018, I was depositing {$600.00} cash into my checking account via US bank ATM machine.As I was traveling, and I needed the money badly to pay for gas, and other bills. However the machine gave me an error and printed out XXXX $ is deposited which doesn't make any sense. I called the bank several times, and I was getting different responses from the customer services. Some of them told me that you have to wait two months, and some told me 45 business day. While others told me within 10 business day. After 10 business day I asked what happens to my money, they told me when don't know how long it will take. As I want the CFPB to publish my description on consumerfinance.gov so I urge us bank client be aware of the ongoing fraud in US bank, and be careful check your accounts daily. Avoid your selves before you become victim like me. thanks | ||||||
| 08/17/2023 | Yes |
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| I have literally for XXXX years been dealing with US Bank regarding a charge with XXXX. They sent me XXXX TVs, back in XXXX of 2021. I contacted XXXX letting them know about it, and they told me just to keep the TV. Then I realized I was charged for it. I contacted XXXX about the charge and they said we will make not of it, just let you credit card company know US Bank, that you'll be disputing the charge. Apparently the associate gave me the wrong information and should have told me to send it back. Which is irrelevant. I actually still have the extra TV that I only took out the box for space, that is still in the plastic and has never been used. US Bank sends me a letter saying they can't help me when I've been getting the run-around from them and XXXX for XXXX years and I spend thousands of dollars at XXXX. Next we have this horrific fraudulent rental car company called XXXX XXXX XXXX that has illegally charged at least XXXX of my credit cards {$270.00} when I have prepaid for the rentals. This is literally fraud and they know it and should be criminally charged. Because they did so without my authorization, saying it was just for a hold when I've prepaid all of the rentals. US Bank, just denied to handle the dispute while my credit card continues to be reported late, assessed late fees and more. I am so sick of these companies behaving like loan sharks. And here 's the kicker, every time I speak to anyone, whether it is US Bank, or XXXX XXXX XXXX, I've recorded the call or transaction EVERY, SINGLE, TIME. So the evidence and proof that I have is indisputable. The worst part is that I am someone with a XXXX XXXX XXXX XXXX and it takes so much to have to go back and forth and deal with these people. But, guess what? Now I'm taking my power back and reporting all of these companies that are behaving like it's the wild wild west. And that's the very reason I record everything, so you can't sit there and lie. And now, I will be taking each and every XXXX of them to court if need be. I have an XXXX, I've worked for the XXXX XXXX XXXX and the XXXX. And I'm about to work for the XXXX as a federal agent. So if they think that they can simply take my money, and allow fraudulent charges to remain without doing a proper investigation. I will sue you and see you in court. The can all join the XXXX XXXX XXXX XXXX XXXX. I'm over it. | ||||||
| 03/07/2023 | Yes |
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Web | Older American, Servicemember |
| RE : CFPB Complaint Number : XXXX. CFPB sent my original complaint to the company ( US Bank ) fifteen days ago, on XX/XX/2023. US Bank has failed to respond to CFPB or to me regarding my complaint. Therefore, US Banks response to my original complaint is untimely according to the CFPB regulations. Since having filed the original complaint, I received a letter ( photo attached ) from US Banks credit department dated XX/XX/2023. The letter states more reasons than was told me by the telephone conversations with employees of US Bank immediately after learning that my application for the credit card State Farm / US Bank invited me via a letter to apply for had been declined. By telephone, I was given only one reason for my application being turned down and that was but for having been granted too many new lines of credit by other companies within the most recent twelve months. ( In my original complaint I acknowledged the amount of the recent personal unsecured line of credit granted me by XXXX XXXX in error at [ {$20000.00} ], when in fact the new line of credit with XXXX XXXX is for [ {$25000.00} ] ). The attached letter states multiple reasons for US Bank declining its solicitation to me via the United States Postal Service to apply for yet another State Farm / US Bank credit card and stating, We hope you are enjoying the State Farm / US Bank credit card the companies had granted me long ago that I have, in fact, enjoyed which is why I accepted their new offer to apply for yet another of their credit cards. Since filing my original complaint with CFPB, I wrote to the chief executive officer of US Bank, XXXX XXXX XXXX. I reminded XXXX XXXX that State Farm / US Bank had performed a soft pull of my credit standing BEFORE mailing to me its solicitation to apply for the Good Neighbor credit card and therefore the companies knew all of the reasons it stated for denying me their offer AFTER US Bank then pulled the hard pull it used to deny me their offer and that there was no more information that US Bank could have learned about me that it already knew from the soft pull. My learning that a soft pull was performed to qualify me to be mailed the offer only to be turned down with the results of the hard pull that hurt my credit rating is outrageous and is another reason for me making this second complaint with CFPB. | ||||||
| 07/09/2019 | Yes |
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| My husband and I opened a joint checking account at US Bank. The person assisting us also handled a home refinancing, mortgage, and assisted us in consolidating debt. Her name is XXXX XXXX and her service was impeccable. I also have a checking account of my own that I began at this bank, separately, prior to opening the joint checking, as advised by my XXXX attorney, to recieve funds every month from SSA. I really enjoyed the service and knowledgeability of Ms. XXXX, and since my husband and I were a bit disgruntled with our current bank, we chose to give US Bank a try. A few months in, I discovered that I had NO access online to ANY billpay actions that had been set up by my husband. We have significant medical bills to pay related to my XXXX, and on basically one ( based in reality ; SSA pays just over $ XXXX ) income, we really have to juggle things to make sure we dont get behind on our financial obligations. a lot of " robbing Peter to pay Paul '' ' I then went back to XXXX XXXX and explained the situation. Prior to seeing her, I had made inquiries with the online customer service people who first informed me that that is the way things were. The pamphlet I got when next I went to the bank regarding the ins and outs of joint checking, did NOT state in any fashion that under certain circumstances, I could not have online access to my own financial information Therefore, still confused, I went back to XXXX XXXX and explained my plight, She was sure there was some kind of misunderstanding with online support, so she made the call from her desk. She acted stunned after she was told the same thing. She relayed the policy that doesn't allow a joint checking account member to access their own information unless the joint holder that set up the billpay either must give you their login information ( a clear violation ) to access this info, or go through a process to submit forms that, inevitably, still would not allow me online access to manage our own finances. My husband did not want to give me his login info, and was very upset to have to do additional paperwork to grant " shared access '' which, we later found did NOTHING to change this piece of misrepresentation and, frankly, fraudulent practices. I have spent hours on the line with online customer reps, some of whom have to get a banking specialist to give same result. | ||||||
| 02/14/2018 | Yes |
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| In XX/XX/XXXX, I received a phone call from US Bank, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXXI received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called US Bank on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that US Bank reported my mortgage account as delinquent 90-119 days past due. I then placed a call to US Bank and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to US Bank regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. A more thorough review noted that US Bank has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account | ||||||
| 05/31/2022 | Yes |
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| I live on XXXX XXXX in XXXX, Florida. It used to be called XXXX XXXX but was changed back on XX/XX/XXXX. In XXXX of last year I contracted XXXX along with my fianc. I contacted my mortgage company US Bank and entered into a COVID plan essentially putting a temporary stay on my mortgage payments. Fast forward to XXXX of XXXX, I was provided the loan modification documents and the address reflected XXXX XXXX XXXX, XXXX, Fl XXXX. I called the mortgage company and requested 3 times to change it to XXXX XXXX XXXX as XXXX XXXX no longer exists. Well they never changed it. I have attached the letter that was faxed and received ( I have the confirmation ) and mailed certified return receipt with confirmation on XX/XX/XXXX, XXXX XX/XX/XXXX I send back the loan modification documents and decided to send one set with XXXX crossed out and XXXX written on top, then another copy that I added / XXXX XXXX XXXX after where it said XXXX XXXX XXXX XXXX I called US Bank and told them since they kept getting it wrong that maybe they will finally acknowledge to make the change. Instead I find out they cancelled my COVID plan and I had to reapply!!!! Well it wouldnt be that big of an issue except for the fact that during the first COVID plan my trial payments were {$1300.00} instead of my old mortgage of {$1500.00}. When I got the final loan modification documents it was going to be permanently {$1400.00} which would save me {$66.00} a month. However now when I reapplied the trial payments are {$1700.00} ( {$200.00} more a month than my original mortgage ) and when my final loan modification comes due after this trial period my mortgage will go up to {$1900.00}! Thats a {$400.00} increase all because the mortgage company refused to change my address to the proper legal address. I asked them over and over to please call or write to me and explain how it is legal to keep my address as an address that does not legally exist anymore only to be ignored. The worst part of this is, when I have to start paying the {$1900.00} mortgage will be when Im due with my second child which will be end of XXXX XXXX and will be on UNPAID MATERNITY LEAVE. I am a XXXX soon to be XXXX XXXX XXXX woman ( XX/XX/XXXX ) and am currently XXXX weeks pregnant ( XXXX XXXX ). I have expressed this in writing and verbally to the mortgage company and it has fell on deaf ears. | ||||||
| 02/10/2022 | Yes |
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| Elan Financial Services ( Elan ) XXXX : DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Reporting Disputes - XXXX XXXX XXXX Elan Financial 's continued incorrect reporting to the three credit bureaus. The incorrect reporting is due to Elan 's non compliance with Regulation Z - Truth in lending, Fair Credit Reporting Act, Unfair/Deceptive Business Practices , and failure to comply with Record Retention Statues. Truth in Lending ( Regulation Z ) : Notification to take Adverse Action ( s ) Failure to notify customer ( XXXX XXXX ) within the time period designated by current rules and regulations that any other adverse action was going to be made. In addition, Elan continued to charge fees and interest charges after the account was put in for collections and charged off. Incorrect Reporting to the Credit Bureaus : Elans reporting shows an amount of {$9700.00} charged of and closed on XX/XX/XXXX. ( This amount is in question. ) Also reported is a delinquent balance of {$10000.00}, and reporting of delinquent payments as of XX/XX/XXXX, and continues after the account balance was charged off. Once the account balance is charged off, there can no longer be an outstanding balance. This is a violation. Deceptive Disclosure information on monthly statements. Elan Financial does not appear on the 1st page. They answer the phone number on the statement, " XXXX XXXX, XXXX XXXX XXXXXXXX ''. In reality, the caller is NOT speaking to anyone at XXXX XXXX, but a CSR Rep from Elan. Failure to disclose Elan Financial as the service provider for XXXX XXXX on the 1st page to their Service Agreement ( also not dated ). Elan Financial does not appear until Page 7 of 9. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Violations occurring by not : ( h ) Deleting, updating, and correcting information in the furnisher 's records, as appropriate, to avoid furnishing inaccurate information. ( i ) Conducting reasonable investigations of disputes. Failure to comply with Record Retention Statues : Per Elan 's own correspondence of XX/XX/XXXX & XX/XX/XXXX, " Upon acquisition of my account in XXXX and their completion of their conversion, they ( Elan ) no longer has access to this information. '' | ||||||
| 10/24/2020 | Yes |
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| inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. | ||||||
| 08/27/2019 | Yes |
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| US Bank processed an insurance claim check on XX/XX/2019 with directions on file to payoff the loan the refund the overage from the claim. Check was cashed and loan was paid off as evidenced by the refund of the tax and insurance escrow account. US Bank stopped payment on the escrow check and reinstated the loan without comment, direction or reason. Multiple calls to US Bank over the course of a month produced no result. Some employees were able to see documents. Others claimed no documents existed, including the death certificate for the borrower, the executor documentation for me, and the letter requesting the payoff. Some employees also claimed the insurance check was never cashed when in fact it had cleared the bank for the insurance company. US Bank claimed to be sending a check for the {$37000.00} in overage from the insurance after full payoff of the loan. Instead they sent a check for {$68000.00} directing that the funds be used to rebuilt the house. When called about this latest error, the US Bank employee said the check had to be deposited and that we would need to produce certified funds to send the US Bank 's money back to US Bank. That was not acceptable because the letter accompanying the check clearly stated that cashing it meant there was an obligation to rebuild the house. After demanding that US Bank figure out how to void their own check issued in error, the employee simply hung up on me. Because US Bank has held this money in error for more than 30 days, they are also sending default notices. This despite the fact that they are in possession of a full payoff, {$37000.00} additional funds and {$3200.00} in escrow that are required by TILA to be refunded to the borrower within 20 business days of payoff. Currently, they are again saying they will process this as a payoff but needed to update the payoff since it was only good through XX/XX/XXXX. When I advised they have had the money and request to payoff the loan since XX/XX/XXXX ( with XXXX confirmation of this ), US Bank stated they did not know and could not control what a payoff statement might show. When I said it would clearly show more than a month of additional interest, they said there was nothing they could do about that despite the fact that they now acknowledging they had everything required to process the payoff on XX/XX/XXXX. | ||||||
| 04/29/2015 | Yes |
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| I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous. | ||||||
| 05/25/2023 | Yes |
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Web | Servicemember |
| 1. Received pre-approval from US Bank on XX/XX/2023 from US Bank for a VA mortgage loan up to {$370000.00} 2. Signed purchase agreement on XX/XX/XXXX or XXXX, with a closing date of XX/XX/2023. 3. Submitted all documentation and information requested to US Bank within one week. 4. US Bank customer service representative called with weekly updates on our mortgage. We were advised that we received approval from underwriting. 5. XX/XX/XXXX a professional moving company packed our residence in XXXX for our relocation to XXXX 6. XX/XX/XXXX, while we were actually driving from XXXX XXXX XXXX customer service representative called to advise we had a new underwriter assigned to our loan who had more questions and closing might be delayed. And the house did not pass VA inspection due to some areas that needed to be scraped and painted on the house. 7. XX/XX/XXXX the US Bank customer service representative called requesting written proof of my husband 's transfer from XXXX XXXX XXXX XXXX location. We advised the transfer was still in process and thst we don't have a date yet. We asked what the problem was as I will be living in the house, my husband makes plenty of money to qualify for the mortgage and we have very good credit. The customer service representative was unable to answer our questions. 8. XX/XX/XXXX the manager over our customer service representative advised that we were being denied our loan since we could not prove that my husband would not be in residence within 60 days of closing. She also stated that every other large bank would do the same thing. She also verbally accepted 100 % responsibility for our loan falling through on behalf of US Bank. She made the same admission to our realtor. She said that the bank would reimburse us our moving company costs as compensation for this situation. XXXX. We had to forfeit our XXXX deposit as the sellers were threatening to sue us for breach of contract. I advised the manager that I felt that the Bank should reimburse us for our lost XXXX money. 10. We had to scramble to find an apartment for me to live in. 11. I feel that the bank should reimburse us for all up front payments to the bank for this failed mortgage, our moving costs, our lost XXXX deposit and the initial cost of renting our apartment. Not to mention the extreme stress this situation has caused. | ||||||
| 07/11/2020 | Yes |
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| I called into US Bank to open a new account on XX/XX/XXXX. The E consent form emailed to me stated that I had 30 days to sign the form. When I tried to transfer funds I needed yesterday the mobile app did not allow me to do so on XX/XX/XXXX. I called into the bank and was told that there was a hold on the account for e sign to be completed. As I stated before the us bank app was not allowing me to do that process on my mobile device so I haggled with customer service with the matter and just asked for the account to be closed and the funds to be returned to the original account which the bank and its supervisor refused to do. I am in complete confusion as to how a bank can not close an account or should I say blatantly refuses to close the account. I went as far as to go home to my desktop computer I followed the steps listed and now the us bank site is once again having continued issues and wont even allow me to e sign the document to have access to the account and the funds therein. I am attaching the screenshots showing the continued US BANK problems. This is freaking ridiculous I will be closing both accounts next month this is some complete XXXX XXXX. They refuse to close the account and are restricting access to the account and refuse to transfer me to supervisors when I called into the bank and asked for a supervisor some rude chick on the phone tried to start an argument and then transferred me back to the customer relations and they refused to transfer me to a supervisor, XXXX refused to transfer me a supervisor claiming it was saturday and that no one was available and they had limited supervisors and claimed she was being honest with me. UNACCEPTABLE NASTY CUSTOMER SERVICE ON A CONTINUED BASIS. I WILL BE CLOSING ALL ACCOUNTS AND NEVER DOING BUSINESS WITH US BANK AGAIN. HOW THE HECK CAN YOU REFUSE TO CLOSE AN ACCOUNT, DENY ACCESS TO AN ACCOUNT, REFUSE TO ALLOW ME TO E SIGN THE ACCOUNT WHICH WAS SUPPOSED TO ALLEGEDLY RELEASE THE HOLD ON THE ACCOUNT AND THEN GET TWO REPS BACK TO BACK WITH NASTY ATTITUDES REFUSING TO TRANSFER ME TO A SUPERVISOR AND PUTTING BLAME ON ME FOR THEIR FREAKING NASTY SERVICE IN ALL ASPECTS. UNBELIEVABLE. I HOPE THEY GET CITED FOR THIS FRAUDULENT BEHAVIOR AND HAVE TO PAY MILLIONS TO CONSUMERS LIKE XXXX XXXX HAS HAD TO DO FOR THE SAME TYPE OF UNETHICAL ILLEGAL BANKING EXPERIENCES. | ||||||
| 05/31/2023 | Yes |
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| Starting XX/XX/2023 US Bank took over Union Bank & shut down on-line access for 5 whole days. During that time I could not access my Union Bank account via on line. On XX/XX/XXXX I received an email from US Bank stating their site was active & I could sign up for US Bank services. I tried to do so for hours, made over 5 calls, spent at least 3 hours trying to find out why, after setting my User & password, that the site was not working. Next morning, XX/XX/XXXX I tried logging in again in the morning, no luck ; error message " This is not a valid account. '' Called again, was place on long hold ( 23 + minutes ), had to leave so hung up. Came home, around XXXX tried to log in, account stated LOCKED due to too many log in errors ( not my fault ). Called again, was transferred to tech support. XXXX representative told me unless I WAS willing to use a different browsers, ( I use only XXXXi ) that she could not help me & someone else already had opened up a case w/ case # so she could not help me. She was very rude. She told me it would be XXXX days before the assigned case manager would be able to get back to me! That would make the total amount of days I have not had access to any on-line bank what-so-ever at least 8 days!! Shocking! They stated others were having same difficulties with trying to set up a new account! This is unacceptable. I am operating in the XXXX. I am afraid to deposit any money into US Bank because they do not seem to be responsive, helpful, or transparent! They needed to have all the bugs worked out before they made the transition! Also, they are making the consumer go thru all kinds of delays, calls, exercises with technology that the consumer may not be able to execute or access. IT IS NOT UP TO THE CONSUMER TO WORK FOR HOURS & DAYS & MAKE CHANGES TO THEIR PERSONAL SOFTWARE TO BE ABLE TO USE A SIMPLE ON LINE CHECKING ACCOUNT ACCESS. IT IS VERY STRESSFUL NOT TO KNOW WHERE I STAND WITH MY BALANCE WITHOUT HAVING TO CALL US BANK & BE VERBALLY TOLD BY A STRANGER WHAT MY BALANCE IS! I AM VERY WORRIED THAT MY SOCIAL SECURITY CHECK DIRECT DEPOSIT WILL BE MESSED UP WHEN IT DROPS ON XX/XX/XXXX! LIKELY THAT WILL BE MESSED UP AS WELL. THIS HAS BEEN A COMPLETE MIS-HANDLING OF A BANK TRANSITION and possibly the mis-handling of consumer accounts and their ability to access their checking account via on-line. | ||||||
| 03/29/2016 | Yes |
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| I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help. | ||||||
| 01/05/2020 | Yes |
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Web | Older American |
| I missed a payment to my USBank credit card account due XX/XX/XXXX. This was the first and only, missed payment for my three ( 3 ) USBank credit card accounts, for five ( 5 ) years, approximately. The bank verified that I have NO prior late payments during the full time of my credit account history, confirmed in my call to a Cardmember Services ' agent, XXXX, on XX/XX/XXXX. USBank notified me by letter dated XX/XX/XXXX that the account in question was past due. The letter cited " Because of your late payment history, we have reduced your credit limit to {$8000.00} '' from {$10000.00}. The letter further stated the action was " effective immediately ''. I confirmed my EXCELLENT -- -no late payments -- -history for the account in question and all other of my USBank credit card accounts. The bank representative, XXXX, researched and confirmed my payment history for all of my USBank credit accounts. I further spoke with a Cardmember Services ' supervisor, XXXX, on XX/XX/XXXX about US Banks ' lowering my credit limit based solely on one ( 1 ) late payment on record. XXXX, the supervisor, confirmed the following : The USBank letter to me, dated XX/XX/XXXX DOES NOT state any other reason for lowering my credit limit. He confirmed this -- -NO OTHER reason -- -is stated in the letter for lowering my credit limit, other than the state- ment for one ( 1 ) late payment. XXXX reviewed the bank copy of this specific letter and admitted there was NO OTHER stated reason for immediately lowering my credit limit on the account in question from {$10000.00} to {$8000.00}. Further, XXXX stated specifically that USBank had, in fact, reviewed my credit bureau history, and would not verfify this IN WRITING to me. He stated this was the reason USBank lowered my credit limit -- - based on information NOT heretofore revealed or stated to me by USBank. I made my late payment for this account on XX/XX/XXXX in the amount of {$200.00}, verified as confirmation number XXXX XXXX XXXX. I have the USBank letter to me dated XX/XX/XXXX in my possession. I state, all of my preceding statements above are true and accurate to the best of my knowledge. USBanks ' actions on my credit account, in question, are based on incom- plete and unstated reasons for lowering my credit limit, denying USBanks ' actual action and not informing me, as well. | ||||||
| 04/24/2023 | Yes |
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| My bank account at US bank never shows my accurate account amount. Number ours employees have informed me that it is an ongoing issue. The previous two weeks leading up to my account being in the negative I had charged from places I did not go charged to my account, then disappear and come back again. It then got to a point that my balance was changing with money showing up XXXX at a time and again disappearing l, every time nothing would show as to why this was happening to my account, meaning towers the end I had no idea why my account was going up and down on the amount of money. Multiple calls to us bank and not one person could tell me why, in fact, they couldnt see anything I was seeing on my end. This is alarming considering everything should be seen by the bank. I was given no explication at all. Then a little less then three weeks ago, I went to enjoy my night off, I go to get money out of my account and the ATM refuses, it states to call the bank, so I end up leaving and calling, where some more unprofessional and ridiculous things happen. A fraud alert was placed on my account, they said it was fixed so I left my home drive back down in attempt to salavage my night out but it doesnt work and does the same thing again. I call back and have to deal with it again, about forty minutes later, I was able to do one transaction to get my money but my account. I then see my email has us bank stating that I called to make sure I could use my card outside of the country. I did not ask that. I find it really funny that my account was so messed up and I got zero actual help but now that they feel I owe them money, which isnt true, I should be about XXXX positive. They decide to call me and act like they know what they are talking about. I have gotten no help, I have spoken to nobody who knew what they were doing, I have been told the system is messed up, ignored when telling telling them they owe me money and more insulting is the fact they are calling me over and over trying to get me to pay a balance I shouldnt have. Ive wasted hours of time trying to get help from them and my hours at work, working 6 to 7 days a week, doesnt allow me to go in and I am not going to miss work and lose more money because this bank has messed up. They need to fix this, figure it out and give me my money back, not me give them money | ||||||
| 05/04/2018 | Yes |
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| I received a phone call XX/XX/XXXX @ XXXX from a private number. The caller stated that she was with XXXX County courts and was calling in regards to a civil suit involving US Bank. When I began asking for specific information about this case she provided me with a phone number and reference number as follows XXXX ( XXXX ) XXXX Reference # XXXX. The caller then proceeded to transfer me to the agency. When the agency answered the phone I provided them with the above listed reference number. I was transferred to a woman named XXXX XXXX. XXXX proceeded to tell me that this case was in regards to an account that I had in XX/XX/XXXX with US bank. She stated that there were 2 separate checks written that totaled the amount of {$2300.00} and that with collection fees and attorney fees the total now exceed {$3000.00}. I then asked XXXX what agency she was calling from and she refused to provide the information. I asked XXXX for an address in which I could mail an inquiry letter and she stated " we are a national company so you are not able to mail however I can provide you with a fax number ''. During this conversation XXXX began to raise her voice and cut me off while speaking. I requested to speak to a supervisor and was told that I could not. When I asked why I was not able to speak to a supervisor XXXX informed me that she was the supervisor. At this time I informed XXXX that if she was not able to provide the information that I needed that I would have to contact a lawyer. At this point XXXX hung up on me. After I got off of work at XXXX I called the agency back. A gentleman named XXXX answered the phone and after providing him the reference number XXXX informed me that XXXX had left for the day and would return tomorrow. I asked to be transferred to XXXX 's supervisor and he stated that XXXX 's supervisor was also out of the office. I asked for XXXX 's supervisors name and he stated that he was not permitted to provide this information and hung up on me again. Both instances in which I was hung up on there was no warning regarding termination of the call. I have since been calling the above listed number multiple time XX/XX/XXXX and have only gotten answering machine. The message that is recorded does not provide information on what agency I have called and I am unable to leave a voicemail as the mailbox is full. | ||||||
| 08/04/2021 | Yes |
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| THIS HAD TO DO WITH U.S. BANK AND I HAD ALREADY MADE A COMPLAINT, BUT BECAUSE THEY ARE BETTER EQUIPPED TO TO GIVE A BETTER RESPONSE THAN MY CLAIM I LOST, AND THAT WAS NOT EVEN FAIR, AND THEIR RESPONSE WAS NOT ON POINT, MY COMPLAINT WAS OVER SUM TRANSACTIONS THAT THE BANK HAD MADE AND THE AMOUNT OF TIME TO BE DOING THIS TIMED OUT ON THEM, NOT ME, THEY PLACED ME AT FAULT, AND I WAS UNDER THE IMPRESSION THAT MY BANK IS SUPPOSED TO PROTECT MY BETTER INTEREST, AND WENT LIKE THIS, I WAS MAKING PAYMENTS OVER A 10 MONTH PERIOD, WHEN I WAS DONE MAKING PAYMENTS THAT EQUALLED {$7800.00} I COULD NOT REACH THEM ... .. I HAD MY BANK RECALL THOSE 10 PAYMENTS AND THEN THEY CONTACTED ME, AND TALKED IT OUT, AND AT THE SAME TIME THE BANK IS SENDING ME LETTERS STATING THAT THEY CAN NOT ASSIST ME WITH MY DISPUTE AND SO I WENT TO THE BANK AND HAD A MONEY ORDER MADE OUT TO THE SAME PARTY THAT I HAD THE 10 PAYMENTS RETRACTED FROM AND I DELIVERED THE PAYMENT FOR THE TOTAL AMOUNT MYSELF TO THEM AND THEN MY BANK STARTED PUTTING THE 10 TRANSACTIONS BACK INTO THEIR ACCOUNT AGAIN???? AND THEIR REASON WAS, THEY SAID I DID NOT RETURN THE LETTERS THAT THEY SENT TO ME ONLY 1 OR 2 OF THEM MADE IT BACK, SO I CALLED THE DISPUTE LINE AND EXPLAINED WHAT WAS GOING ON, AND I HAD THEM SEND ME THE LETTERS AGAIN, AND I FILLED THEM OUT AND EXPEDITED THEM BACKIN THE MAIL, AND THEN THE BANK STARTED TO BRING THE 10 TRANSACTIONS BACK TO MY ACCOUNT AGAIN, EXCEPT THIS TIME ONLY FOUR OF THOSE TRANSACTIONS WERE COMPLETED AND THE REST THEY ARE MAKING ME THE RESPONSIBLE ONE FOR IT AND THEIR EXCUSE FOR IT, IS THAT THE TIME ALLOWED HAD BEEN EXCEEDED AND I DONT UNDERSTAND HOW THAT TRANSLATES INTO ME BEING RESPONSIBLE FOR THAT? BECAUSE BY THEM INITIALLY BRINGING BACK ONLY FOUR OF THE TEN TRANSACTIONS TRANSLATES INTO THEM REALIZING THAT THEY MADE A MISTAKE AND WERE IN THE PROCESS OF FIXING IT AND THEN STOPPED, IM NOT DOING ANY OF THIS STUFF, ITS ALL THEM PUNCHING THE KEYS AND NOT ME, BUT BECAUSE THE REPORT THAT THEY SENT BACK SOUNDS BETTER THAN WHAT I WROTE DOWN AS MY COMPLAINT I LOST, AND THE ONE GIVING THE REPORT WAS NOT EVEN INVOLVED, SO HOW CAN HE EXPLAIN BACK WHAT HAPPENED, ESPECIALLY WHEN THERE WAS MORE THAN 10 PEOPLE I SPOKE WITH, I DONT KNOW HOW MUCH MORE UNFAIR THIS COULD BE? I AM STILL NOT GOING TO PAY THEM, I KNOW RIGHT FROM WRONG AND THIS IS WRONG ... ... .. | ||||||
| 07/06/2023 | Yes |
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| I entered a local US Bank branch this afternoon to pay the {$1.00} my account was overdrawn because of THEIR account fee, with CASH, and close my account. The teller took my {$1.00} in CASH and entered it as a CREDIT deposit instead of a CASH deposit and told me that she couldn't close my account because the " system '' wouldn't allow it as the CREDIT deposit is " pending '' yet my account balance is now $ XXXX!! The teller then informs me that " she'll write herself a note '' and get into my account TOMORROW and close it then. My CASH deposit of {$1.00} should have posted immediately, it is NOT a check and is NOT over whatever limit they have set on available funds after a CASH deposit. I have absolutely no confidence that my account will be closed and I do believe it is within my legal rights as a consumer to close out my account after making a CASH deposit that brings my account balance to $ XXXX! Contact was made with US Bank and I spoke to no less than five ( 5 ) human agents who continued to insist there was no one available to neither own responsibility for this issue nor access my account and close it down. In the meantime I am left in limbo with an open account relying on an employee who works for a banking institution that has screwed me over every chance it gets to close an account down for a customer who's information is now plastered all over a scrap of paper that could end up in ANYONE 'S hands. This is not the first fraudulent act they have committed with my accounts, but this will be the last. Now they have given me no choice but to file a complaint and pursue all legal remedies at this point. I want this account closed NOW or an audit of the entire institution and it's financial practices done. I have the right to close my account when my balance is $ XXXX, and made every attempt to do just that both in person in a branch and on the phone not more than an hour later with a total of six ( 6 ) different HUMANS today all lying to me telling me NOBODY can get into their system and fix the issue or close my account! I'm supposed to just sit here and wait while my account remains open with a XXXX balance for yet another HUMAN to keep not only my information on a piece of scrap paper safe but expect and rely on that same HUMAN to actually remember to follow through with this tomorrow?!?!? SERIOUSLY?? | ||||||
| 05/20/2020 | Yes |
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| I've sent the following message to U.S. Bank several times about a wire fraud committed almost a year ago and U.S. Bank has not cooperated with my bank ( XXXX XXXX XXXX ) in the investigation efforts. I've even been in touch with XXXX 's executive office to escalate this issue and XXXX persists that U.S. Bank has not responded or cooperated : I am contacting you in hopes of escalating my recall case to reclaim {$12000.00} made in a wire transfer, on XX/XX/2019, from my XXXX XXXX XXXX account to a fraudulent US Bank account. Unfortunately, the reason for the recall is that I've been a victim of a wire scam and possible identity theft. The details of the crime, involving the impersonation of the FBI and local police, are documented in the following ( and attached ) : Police report ( XXXX XXXX Police Department ) : Case # XXXX FBI ( ic3.gov ) : attached FTC : Report # XXXX Consumer Financial Protection Bureau : Complaint # XXXX XXXX XXXX XXXX Recall : Case # XXXX ) This is the fraudulent US Bank account information ( the wire transfer receipt is attached ) : Beneficiary Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX In my recovery efforts, I contacted XXXX as well as US Bank on the same day of the wire transfer to stop the transfer while it was still pending. US Bank representatives would not speak to me in detail because I am not a customer but did inform me that the recipient account had already been flagged for fraudulent activity and added a note to freeze the wire transfer funds. XXXX opened a recall case ( Case # XXXX ) to reclaim the funds. US Bank responded to XXXX on XX/XX/XXXX requesting a hold harmless letter, which XXXX is in the process of approving right now. XXXX informed me that after the hold harmless letter is sent to US Bank, I would have to wait 30-90 days for US Bank to make a decision on the recall. I trust the integrity of US Bank to not accept wire transfers to a fraudulent account that was already flagged. I hope you can help escalate the recovery of my funds ( {$12000.00} ) as soon as possible. I worry that the longer this process takes, the more time the criminal ( s ) have to move the funds. My case is currently under investigation by the XXXX XXXX Special Victims Unit and if XXXX and US Bank can not help resolve the issue, my next step is to take legal action. | ||||||
| 02/21/2020 | Yes |
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Web | Older American, Servicemember |
| Fraud on checking account ending in # XXXX. Two checks one {$24.00} the other {$360.00}. Those companies are unknown to me. USBank ordered me to close the checking # XXXX and debit card # XXXX. Was told to open a new checking and new debit card or leave USBank. Completed per their directive under duress new account # XXXX and debit card # XXXX. I am severely XXXX 8 XXXX with XXXX and XXXX in my body. XXXX XXXX XXXX. Legally XXXX. Instructed to change Social Security deposit, small pension deposit, any automatic payments from creditors. I spent endless hours on the phone with fraud hotline with their staff unable to find my claim. I got a ride to the branch and filed affidavits of fraud on checking # XXXX and debit card # XXXX. The branch manager XXXX removed my son from joint checking because he was not their to sign a card, yet he was on the checking for many years with me to help pay emergency bills during hospital stays. Now he can not do that put down as only a beneficiary and crudely told you have to die. My son is XXXX in XXXX risking his life and not there to sign a card. BUT THE 800 ONLINE TOLD ME THEY COULD OPEN A JOINT CHECKING AND PUT HIM ON THERE AND MAIL NEW CHECKS WITHOUT SIGNATURE CARD. Then recently more fraud shortly after receiving a new checking account ending in # XXXX and debit # XXXX. Somehow someone got a hold of my debit # XXXX and charged {$100.00} and {$50.00} two different charges through XXXX, N, Y. I had to pay for a ride to transport me to the USBank. I was issued a new debit card # XXXX. This card does not allow me to pay my bills due to a small allocation of funds despite my transfer from savings exceeding the USBanks limit. The USBank told me they need to hold my funds because it was better for me to receive interest on savings rather than spend my funds on BILLS! I have been forced to make calls to the branch and fraud hotline daily spending 3 to 4 hours a day. MY HEALTH HAS BEEN AGGRAVATED AND EXACERBATED and my doctor is recommending i be hospitalized as my XXXX levels are between XXXX and XXXX for a XXXX XXXX with XXXX XXXX. USBank conned me into staying with them under the guise of hidden false benefit much like a haggling huckster. XXXX the Branch Manager with other employees except one shows much laziness and incompetence of which my son and I have paid the price. | ||||||
| 09/26/2019 | Yes |
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| On or about XX/XX/19 I received a Annual Escrow Acct Disclosure Statement from US Bank Home Mortgage ( the mortgage co. ) stating there is a {$1300.00} short fall in my escrow acct and I can either pay that amount or it will be set up within the next 12 payments starting in XX/XX/2019. 2 days later I received the XX/XX/XXXX statement showing an increase on the monthly of about {$120.00}. The statement breakdown shows the increase in the escrow contribution but shows the tax contribution unchanged. It also shows an increase in the home insurance contribution. Mon.,XX/XX/19 I called my town to verify that the property taxes had not gone up, they were the same as last time. I then called my insurance co and verified that my housing insurance has not changed. In fact I changed insurance companies back in XX/XX/XXXX ( will get back to this ) So having this information I then called the bank. Spoke with a rep, asked why there was a short fall. She first came back with the insurance had increased. I struck that down and also informed her that the taxes had not changed. She never answered that with why my insurance contribution had increased ( for no reason ) finally came back with the real problem. When the old insurance co sent me a check for the returned premium, {$1100.00}, I deposited it and wrote a check to the bank and put a note as to what the check was for, because I called them to find what address to send it to. Someone at the bank took the payment and credit it to my mortgage payments, {$1000.00}, an sent the difference towards principle. This would have been toward the XX/XX/XXXX payment, which I had made already and they cashed on XX/XX/19. So there is a payment floating around somewhere and my escrow account is missing the {$1100.00}. This information came out of the reps mouth to me but she could not figure out the problem. Now that leaves a difference of {$250.00} escrow short fall which I pointed out and again asked why, no answer. Plus the fact that they are trying to get {$20.00} more per month for my insurance which did not go up. I have unfortunately been with this bank for over 8 years as they bought my mortgage before the ink was dry on the paperwork and it has been a horrible experience. I have another complaint towards them about predatory lending but I will submit that as a second complaint. | ||||||
| 06/12/2017 | Yes |
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| In XXXX XXXX , I purchased XXXX {$500.00} prepa id Visa d ebit cards from a XXXX 's grocery store in XXXX XXXX . They were issued by U.S. B ank. I attempted to use those cards, only to find out that they were n't activated properly. I called the number on the back of my card and was told to send a fax to the Gift Card Activation de partment, which I did on XXXX XXXX , XXXX . I never heard anything back from anybody at U.S. Bank. Over the course of the next year, I would periodically attempt to check the balances on the cards using their online balance checker at XXXX XXXX XXXX . The cards never showed up on their online interface, so I assumed they continued to remain unactivated. Frustrated, I finally called in again in XXXX XXXX to investigate what was going on with my cards. It was then I learned that, despite being in my possession the entire time and nev er ( to m y knowledge ) being activated, the cards were totally drained of their balance. In fact, the cards were drained on XXXX XXXX , XXXX - 2 days after I sent my fax. I was told to fill out a fraud form of some sort, which I promptly submitted. I was told that after filling out the form that XXXX new cards would be shipped to me. My response fr om U.S. Bank was frustrating, to say the least. They claim that they ca n't help me because I did not report the fraudulent activity within 120 days of the fraudulent transactions occurring. This, despite the fact that it would have been impossible for me to report any fraudulent activity, seeing as I did n't even know the cards were activated AND had no means of accessing information about the cards. I still am unable to access the transaction history or learn any information about what happened with my cards, or how they were able to be used by another party despite being in my possession. I have reached out on several occasions over the past few months to no avail. My call s to U.S. Bank ha ve not resulted in any resolution, and nobody can explain to me how this all took place. I thought I was out of options, but a colleague of mine referred me to CFPB, and I am now hoping you can help me get to the bottom of this. Essentially, I have had {$1000.00} stolen from me. Please advise on what next steps I can take to get my money back. | ||||||
| 05/29/2015 | Yes |
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| I initiated a re-fi of my conventional XXXX mortgage XXXX. The mortgage is held with XXXX XXXX. After the appraisal came in lower than what we expected, US Bank advised that we could go no further unless I had more income or could bring more cash to closing. I challenged the appraisal but US Bank stood by the appraisal. So, US Bank ( XXXX XXXX ) suggested I find a friend or family member to loan me money or liquidate retirement funds. I even spoke to my employer about a pay raise. Not being able to do any of these things, US Bank then suggested we refi with an FHA mortgage. The appraisal again came in low. Same appraiser as before. Thus, by this time in late XXXX, we were at a standstill. I shared my frustration with an acquaintance who is an independent mortgage broker. He asked to see the most recent appraisal and he found it to be defective. I presented his findings to US Bank and they adjusted the appraised value by {$18000.00} to {$400000.00} which is where the mortgage lender and I had hoped it would be all along. It allowed us to move forward with an FHA mortgage re-fi. I asked US Bank to review the first appraisal for the same mistakes made in the XXXX but they did not respond. The appraiser refused to provide me proof that the XXXX appraisal had been challenged. Once the re-fi was back on track in early XXXX, I was told week after week that my closing was eminent. I was told to make sure I had cash on hand for the closing and to demonstrate to underwriting that I had cash on hand. So, on XXXX, I liquidated {$10000.00} of retirement funds to have on hand ready for the closing. The mortgage lender told me he had his supervisors ( XXXX XXXX and XXXX XXXX ) working on expediting the paperwork through underwriting. When asked about this, neither XXXX or XXXX were aware of there being a problem. Underwriting continued to ask for more information and sometimes XXXX and XXXX times after having already received it. With the closing seemingly going nowhere, I then brought into the discussion XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to go to the corporate office in XXXX to inquire of the chain of command because each time I asked an individual who they reported to, I received no reply. It is XXXX XXXX and my FHA refi, which technically started in early XXXX, is still not closed. This whole process started XXXX. | ||||||
| 12/05/2019 | Yes |
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| In XX/XX/XXXX I closed on a house in XXXX XXXX with US Bank as my lender. For the last year I've received increasingly large and concerning tax bills that were not reflect in my escrow account, which was set up to pay my taxes and home insurance. I have already had to pay late fees because of the escrow account not properly paying my property tax bills. More recently, after receiving my most recent tax bill, my bank has informed me that they are increasing my monthly payments to account for the tax bills they failed to account for when they gave me my mortgage, indicating that they are not responsible for any prediction of tax burden beyond just using the last available tax record from the county. XXXX County due to its size only re-assesses property values after the sale of a property, for single family homes at least. US Bank used the assessed price from XXXX when the property sold for HALF the value I purchased it for. US Bank is asserting that they had no responsibility, nor way of knowing that the tax burden on my house would be twice what they had estimated when I signed the mortgage. This is a patently absurd assertion as they themselves admitted that the tax burden they indicated was an estimate, so I as the consumer naturally assumed that it was an estimation of WHAT I WOULD BE PAYING. Not an estimation of what the previous owner had been paying. Due to this large miscalculation and their complete failure to take any accountability, I am now concerned that I won't be able to remain solvent for an extended period of time, additionally, I would not have signed the mortgage if I had any indication that my monthly payments would exceed 4,000 dollars as they now claim they will. I know that this is an intentional negligence as the appraisal that the bank required me to get estimated my home 's value at XXXX $ and the county assessed my home at XXXX . So the bank had all of the necessary information to make an accurate tax estimate and they chose to not do the necessary work. They told me, explicitly, that they intentionally do not calculate those estimates. That is intentional negligence. Plain and simple. Attached are my most recent tax bill with the assessor 's value for my house. The appraisal of my house and the final quote for my mortgage with the tax estimations from the time of signing. | ||||||
| 07/12/2017 | Yes |
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| I am reaching out for your assistance because I am never able to get any help by telephone or within the branches. Recently my account was overdrawn just under {$5.00} and I deposited money to bring to correct the matter. Days later my account was over-drafted for transactions that should have already been deducted from my available amount within my checking account. Because of this my account is now over {$150.00} overdrawn including numerous fees. I have contacted customer service who refused to assist with waiving some of the fees if I was able to deposited money. They directed me to a payment assistance group who also refused to help. They informed me that I will receive additional overdraft fees this Friday as well. This is not the norm for my account to be overdrawn and when I do contact your company for help I am always met with refusal. I chose your bank because I felt you were different then other banks out there but you are actually worse because those other banks actually do attempt to work with or help their customer to show they do value them. This is not the only incident with your company. Back in XX/XX/XXXX of this year my tax returns were deposited and I went to the branch located within XXXX on XXXX XXXX XXXX and XXXX XXXX in XXXX, Oregon to withdrawal {$3000.00}. When these funds were attempted to be deposited at XXXX XXXX XXXX within my wife 's account she was told one of the {$100.00} bills was counterfeit. XXXX XXXX XXXX stated they could not give it back to her and they had to report it. When I contacted that branch about the matter they refused to help saying " Their bankers are trained to catch counterfeit bills. '' The banker that assisted me with the withdrawal was new because her manager had to sign off on the transaction. The manager did not check the cash and the banker did not mark them or check to confirm there were no counterfeit bills. Just because someone is trained to something does not mean you are going to be accurate all the time. We are humans and we make mistakes. I did not make a complaint at that time because I was already met with refusal of help and I had received that same reaction before. If you need to reach out to XXXX XXXX XXXX to confirm this you can contact XXXX XXXX at XXXX or XXXX. My wife 's name is XXXX XXXX and the attempted deposit was made on X/XX/17. | ||||||
| 09/04/2020 | Yes |
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| On XX/XX/2020 at XXXX XXXX I called Relicard Customer service to order a replacement card. The duration of this call from start to finish was 6 minutes and 58 seconds. The representative I spoke to gave me the option of priority shipping at the cost of {$15.00} that would be deducted from my card. I choose this option. The representative then advised me to callback Friday morning for a tracking number to track the shipping of my new card that will arrive on Friday. She explained it was important to callback for this tracking number, so I was aware of the time it would arrive since a signature was required upon arrival. XXXX XX/XX/2020 at XXXX XXXX I was on hold for approximately 1 hour and 41 minutes. ( Total call duration was 1 hour and 49 minutes ) The representative I spoke to was at first unable to find my current account information. This representative was extremely unprofessional. After she was able to access my account information she advised my card would arrive in 7-10 business days. I then tried to explain what I was advised on XX/XX/XXXX, and tried to get an explanation to why priority shipping was not applied. She then repeated herself, very impatiently that the card would arrive in 7-10 business days. I then asked for the representatives name that I spoke to on XX/XX/XXXX. After a brief hold she advised there were only initials in the file, no name provided. This representative then repeated the time frame within the card will be received and asked if I had anymore questions. I said yes, can you see if the charge of {$15.00} was applied for the priority shipping. She then repeated again, the time frame in which the card will arrive was 7-10 bussiness days. At this point I am begging her not to hang up, as you can hear in the recorded call she wants to end this conversation. I wanted to speak to a supervisor at this time. The representative then hung up on me abruptly. I have never dealt with someone so unprofessional in a customer service department. I am extremely disappointed in the lack of service 's provided by both representatives. The representative on XX/XX/XXXX was very unhelpful, inpatient and just quite rude. I am considering opening another account with a different bank and receiving direct deposits for my unemployment, just to avoid dealing with a Relicard representatives again. | ||||||
| 05/05/2023 | Yes |
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| I had an identity theft XX/XX/2020 and my social security card and my ID were sold however I'm not sure if this was the case I lost my job and I lost everything due to that and due to XXXX. I had my purse my bank everything all my information stolen by someone they sold information but I got a settlement after being tonight unemployment and it was a XXXX settlement in the US Bank and I was also getting reoccurring payments every week I had to keep reordering cards and I was telling them that there was XXXX police reports that charges were not being made by me I don't know what these places were delivering to a different address they sent me dispute and then they never responded or they wouldn't send disputes. They never sent a resolution letter I would ask to talk to a supervisor and they would put me on hold they had a fraud department I tried to talk to them I couldn't even get the police to investigate and I had improved like my ID was changed to somebody else 's name and password they wouldn't let me I still to this they don't have a change back I haven't heard back from my last dispute they never sent me a resolution letter from 4 or 5 months ago nobody will call me back and this happened I don't even know how long the first is because I filed was well well over a year or two ago I just want my money back he was honest about what was that on my behalf I kept telling him to switch account numbers my card did not have a chip in it I tried to talk to the Iowa Workforce Development Center I was putting the money into my mind nobody would do anything nobody would return any money I did not get any provisional credits I didn't get any credits it was just closed but it's still open I just don't have anything in it they never they never responded to a dispute nothing I gave up for a little bit just trying here and there one month or so I had ended up losing everything and it was very a kind of set me back a lot it's not so much about the money it's when I had my identity theft through a different bank they said my dispute was fraudulent closed my account and didn't even give me my savings that was in there XXXX XXXX but the bank that I'm having a problem with right now because I also had another account with her child support which was also US Bank ReliaCard and they will not return the funds for that either. | ||||||
| 04/22/2017 | Yes |
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| Bank accounts ( CD & Money Markets ) w as opened by single account owner with XXXX XXXX . XXXX XXXX closed. The bank accounts wound up with XXXX XXXX , and now with U.S. Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a t ( XXXX XXXX XXXX . Finally, one person to ld me to contact the XXXX XXXX branc h manager named xxxx, in XXXX and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to Assistant Branch Manager who told me to come into bank. She took my personal and all contact information and promised to get back to me. She did not. Then she was getting information from Corporate Office and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me. With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a XXXX legal issue, currently in court. | ||||||
| 11/24/2017 | Yes |
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| This complaint arises from the unauthorized use of my debit card for two withdrawals of {$800.00} each ( for a total of {$1600.00} ) on XX/XX/XXXX and XX/XX/XXXX, respectively. These unauthorized withdrawals took place from ATMs in XXXX, Wisconsin and XXXX, Wisconsin, while I was in Illinois where I reside, mere days before my wife went into labor with our son. After I learned of the withdrawals, I contacted my bank, U.S. Bank, to notify the bank of the fraudulent transactions. U.S. Bank asked me to submit a written statement describing the fraudulent activity. Per the bank 's instructions, I submitted a written statement of the fraudulent activity dated XX/XX/XXXX. By letter dated XX/XX/XXXX, a mere week after I submitted my claim, U.S. Bank sent me a letter stating it had completed its so-called " investigation, '' and in conclusory fashion, denied my claim. U.S. Bank 's shocking letter claims that its investigation " indicates that [ I ] authorized the transaction ( s ) by providing the PIN and card or similar access '' to a non-account holder. U.S. Bank 's conclusion is incredible. First, U.S. Bank fails to explain who it concluded that I purportedly authorized to use my debit card, why I would have authorized someone else to drain my account of {$1600.00}, or even a single fact on which its conclusion is based. Second, I was nowhere near the XXXX or XXXX area on the relevant dates. After I received U.S. Bank 's denial, I reported this matter to the XXXX, Illinois Police Department. However, the police department stated that it does not have the resources to pursue an investigation into who depleted my bank account, especially since the unauthorized withdrawals took place in Wisconsin and they do not foresee being able to make an arrest in this case. In addition and importantly, a representative of the local U.S. Bank branch that I frequent notified me that several accounts were affected after an ATM skimmer had been installed at one of the ATMs that I use, thereby stealing various account information. However, U.S Bank has failed to adequately monitor unusual debit activity such as the out-of-ordinary activity that occurred on my account. U.S. Bank 's nonsensical and conclusory assertions denying my claim for the two unauthorized transactions are entirely without merit and should be reversed. | ||||||
| 06/02/2016 | Yes |
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| I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that. | ||||||
| 08/25/2021 | Yes |
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| On XXXX XXXX I had {$1400.00} stolen from my US Bank personal checking account through my Email address that was linked with XXXX. After calling a Telephone number that I had XXXX for XXXX I spoke with an individual Who claimed that he was an account manager for XXXX and stated that he needed to verify me through my US bank account that was linked to my XXXX account. I had been on the phone for over two hours with this individual because I had a question about the XXXX app.He had attempted to verify me through various means. On XXXX XXXX I reported the theft to XXXX and received a fraud complaint number and was instructed to call my US bank in XXXX XXXX California to report the fraud. I also filed a police report with the XXXX Police Department, The FTC, all three credit bureaus and had to change my username and password on all my accounts. I called US Bank and reported the theft and XXXX fraud complaint number to the XXXX XXXX branch manager XXXX XXXX XXXX. XXXX XXXX XXXX proceeded to harass me and claim that I did not have a fraud claim and that it was a scam.She literally took my words out of context and used them against me. My claim was denied because she had filed it as a dispute. The fraud department claimed that It was an authorized-transaction and subsequently denied my claim. .After several hours and days on the phone Between XX/XX/XXXX and today XXXX XXXX with the fraud department My fraud claim was finally filed. The fraud department instructed me to take the police report and all my supporting documents to US bank branch in XXXX XXXX.The documents were hand-delivered from my wife to XXXX XXXX XXXX the XXXX XXXX XXXX branch manager. XXXX XXXX XXXX failed to file the documents in a timely manner so the fraud department could make a valid decision. She filed the dispute claims three times and each time I was denied because they said it was a duplicate claim. I complained to the District manager XXXX XXXX about her performance as a branch manager. If this matter is not resolved with the {$1400.00} funds credited back to my personal checking account I shall have no choice but to file complaints with the FTC, The consumer financial protection bureau and the XXXX XXXX XXXX against the branch manager of XXXX XXXX US Bank. In my opinion XXXX XXXX XXXX is incompetent and unworthy of her position. | ||||||
| 07/12/2021 | Yes |
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| On XX/XX/2021, I purchased a dress from a vendor in XXXX XXXX XXXX XXXX XXXX, via debit card and XXXX, for {$350.00} USD. I received the dress on XX/XX/2021 in a XXXX shipping bag. There was no customs paperwork, no invoice, and no documentation inside the package. The package was brand new and certainly did not appear to have made the trip from XXXX to XXXX, Oregon. It had no customs marking on the package. The dress inside was wet, foul smelling, moldy, and crumpled up with a wet piece of filthy tissue paper. Minutes after opening the package, I called XXXX and asked for a delivery person to inspect the package and the dress. I was told by XXXX, it was my problem and I would need to take it up with the vendor. I called my bank, US Bank, immediately and started a claim on the purchase. US Bank issued a provisional credit. There was no phone number for the vendor so I sent a series of emails that were not responded to over the course of several days. US Bank mistakenly pulled the provisional credit from the wrong vendor. It then released the provisional credit back to the vendor. I called US Bank and they reopened the claim and reissued the provisional credit -- again from the wrong vendor. I have spent over 15 hours on the phone with US Bank ( not including the time spent on the [ phone with XXXX and XXXX XXXX trying to get this claim resolved and to clear up the bank 's mistake regarding issuing the provisional credit against the wrong vendor. Every time I speak with someone at US Bank I am told contradictory and incorrect information. I get endlessly transferred from one person to another, one department to another. Most of the time I hear, " that's not my department, you need to speak with someone else. '' I also have to reexplain the whole situation each time I am transferred. I have spoken with at least ten different managers, customer service reps, fraud specialists, and claim specialists since XX/XX/2021 without any resolution. I have very serious concerns about the competency level of everyone at US bank I have spoken to regarding this issue, where one vendor is denied the money she is rightfully owed and another benefits from this incompetence at my expense. No US Bank manager seems to be able to fox this problem. Please help me to get the innocent vendor paid and my claim resolved. | ||||||
| 01/27/2020 | Yes |
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| On XX/XX/XXXX, U. S. Bank offered me an option to pay back a credit card by entering into their Restart Repayment Program. When the Representative presented the offer, she said I would pay back the debt over 60 months, and the U. S. Bank entry on my credit report would show up as a Voluntary Closure. After discussing the program with the U. S. Bank Specialist, confirming and re-confirming the terms of the Program 6 times during our 90 minute conversation, including that my credit entry would be updated to show Voluntary Closure, I accepted the repayment terms the U. S. Bank Specialist promised me, and entered into their Restart Repayment Program ; I have been paying U. S. Bank as agreed since I entered into this agreement in XX/XX/XXXX. Based on that Agreement, in XXXX of XXXX, I assured a prospective landlord that the entry would show as Voluntary Closure, and when the credit was reviewed in XX/XX/XXXX, U. S. Bank had not updated my credit entry. On XXXX, I called into U. S. Bank to have them correct their mistake, and I spoke with XXXX, who was able to listen to the entire 90 minute call from XXXX, XXXX, XXXX. She came back on the line, and agreed that what I had been told was misleading, and that she also heard multiple times during the call that I was promised a Voluntary Closure of that account, if I entered into the Restart Program. However, she was unable to make the change herself, and had XXXX, a Manager from Solution Department, call me on XXXX. XXXX reviewed the XX/XX/XXXX and XX/XX/XXXX calls, and she also agreed that I had been given inaccurrate information and I had been mis-informed. The Manager XXXX also agreed I was promised a Voluntary Closure when I entered into the repayment Program. However, she was unwilling/unable to fix the mistake, and escalated my issue for a call on XX/XX/XXXX at XXXX XXXX Unfortunately, no one from U. S. Bank ever called me back as XXXX had promised. I relied on terms of what U. S. Bank told me when I agreed to re-pay them and enter into their Restart Repayment Program, and I have been keeping up my end of the Agreement for the past 7 months. I would like U. S. Bank to do what they promised and correct my credit entry to show a Voluntary Closure. If logistically a Voluntary Closure can not be done, they should delete that entry on my credit report. | ||||||
| 07/02/2018 | Yes |
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| US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response. I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply. In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me. The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours. Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it. I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have. Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls. | ||||||
| 09/16/2023 | Yes |
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| To whom this may concern. I need the assistance of your department. Im having issues with either US BANK or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! I was using XXXX XXXX as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted XXXX XXXX and was told that I have a thin file ( meaning I have no history ) and I need to contact the USBANK. Before I contacted US BNK I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to USBNK login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. Ive included pics of my credit history thru XXXX ( credit view ) via USBANK or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you | ||||||
| 09/30/2022 | Yes |
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| I purchased a XXXX Tool cart from this website using XXXX which withdrew the money from my Usbank checking acct {$93.00} was withdrawn on XX/XX/22. I never got an confirmation email from the website I purchased it from and I never recieved the item I purchased but I still had the website pulled up on my phone so tried contacting the website with no response on there end. So I looked on my XXXX to see where the money came out of and it came out as a transaction to a person XXXX XXXX which is not what I authorized I purchased a product. XXXX denied my claim after I provided them with the fraudulent website and referred me to my bank and said I should have buyer protection. I called Usbank was referred to XXXX XXXX XXXX I spoke with a lady who said she was going to send out paperwork for me to fill out and also informed me I only had XXXX days to submit the paperwork and that I could send my own note explaining what happened and faxed it. I called again several times I always got transferred to several different departments was told by a couple of people that my end was breaking up and they couldnt hear me so had to hang up and call back again to start the process all over again XXXX different times. I finally get a letter back from the bank stating that my claim was denied because it was determined that I authorized this transaction when I didnt. I thought I was purchasing a item from a sales website and the person set up the website to scam shoppers out of there money. I sent a link to the website I purchased from so the bank could see it is a fraudulent website and reimburse me the money I lost. Usbank is also making it very hard to talk to the correct person or department when I call to get this worked out. They advertise buyer protection but have not properly investigated my claim otherwise they would have ruled in my favor. XXXX was also quick to deny my claim saying I authorized it. I was scammed my money by a fraudulent website I did NOT authorize a payment to and individual it was supposed to be for the item on this website. I never knew websites like this existed. I do a lot of online and have only been scammed maybe XXXX other time but looked legitimate and than the person set up the payment as a friends and family payment to scam me out of my money and XXXX and Usbank are denying my claim. | ||||||
| 12/27/2019 | Yes |
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| During the fall of 2016 I was going through my first home purchase. I was prequalified with a loan and what I could afford. I realized the house had to have flood insurance so I was checking out prices and my mortgage loan officer XXXX XXXX with XXXX XXXX XXXX XXXX XXXX said they did insurance there at the bank so I thought I would check with them. They give me the amount of around {$800.00} annually. So I decided to go with them and paid and received a certificate of coverage on XXXX. And I asked the Insurance guy XXXX XXXX with XXXX XXXX XXXX XXXX if everything was good and he said yes. I later found out I could have assumed the previous homeowners insurance for the same amount. So I proceeded and closed on the house XXXX. I get and email XXXX from XXXX XXXX and he said : 'I got this notice from the flood insurance that according to the comments on the elevation certificate, it appears the building may be floodproofed. Can you verify if is and get a copy of the floodproofing certificate? Sorry, but this is how this flood insurance goes '' So I now trying to track down a flood proofing certificate that doesn't exist. And now the annual policy is {$8200.00}. At that rate I would have never qualified for the loan, nor would I have bought the property. So now I am stuck and no one will apologize nor take any responsibility. Now I am stuck either paying {$8200.00} which I can't afford so I don't pay it. Next I get a letter in the mail from US Bank saying they are going to force coverage if I don't get adequet coverage. So I let them force coverage. But somehow they got the additional coverage for around $ XXXX {$2200.00} I don't have that amount readily available but its in that area. But still on top of the {$800.00} I paid for the other policy which is only partial coverage it is $ XXXX {$2200.00} more! Thats a substantial amount and I would not have qualified for the home because of debt to income ratio. No one has offered a solution to the problem and now I can't pay my mortgage and it is being forclosed on. I need help immedialtly or myself a single father with custody of my kids we are going to be homeless. Parties are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ND XXXX US Bank Home Mortgage XXXX. XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, ND XXXX | ||||||
| 10/18/2017 | Yes |
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| I am filing a complaint against US bank for mistakenly denying my {$200.00} bank bonus. In summer XXXX I opened a new checking account with US bank, and there was a promotion associated with new accounts at that time. You can find the details of that promotion below, U.S. Bank is offering a {$200.00} bonus when you open a new Silver Check, Gold Checking or Platinum checking account and complete the following requirements : Enter promotion code on sign up or give it to your banker ( you can request a code via e-mail or text ) Complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transfers of {$25.00} each or more within 60 days of account opening The Fine Print Checking Package Offer A minimum deposit of {$25.00} is required to open a U.S. Bank XXXX checking account. To earn the {$200.00} bonus offer, open a new U.S. Bank XXXX XXXX XXXX XXXX, Gold Checking Package or Platinum Checking Package between and including XXXX XXXX, XXXX and XXXX XXXX, XXXX. Present your promotion code to a branch or XXXX phone banker or enter it online at account opening. Additionally, you must complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transactions of {$25.00} each or more ( you are responsible to ensure sufficient funds are deposited to cover bill payments and enrollment in Online and/or Mobile banking is required ) within 60 days of account opening. The checking account bonus will be deposited into your new consumer checking account within 60 days of direct deposit or XXXX XXXX verification, as long as your account is open. Bonus will be reported as interest earned on IRS form XXXX and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers. Offer is not valid if you have an existing U.S. Bank XXXX checking account, had a U.S. Bank XXXX checking account in the last XXXX months, or received other U.S. Bank bonus offers within the past XXXX months. XXXX U.S. Bank employees are not eligible. In XXXX I met the requirement by using the billpay service twice. But the bonus was not credited to my account. I contacted the bank about this issue, but the representative was trying to disqualify me for bonus reasons. | ||||||
| 07/09/2015 | Yes |
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| US Bank - Bait and Switch. I responded to a web based offer, offering free XXXX XXXX points with a " bonus award nights '' promotion, if I signed up for a US Bank XXXX XXXX XXXX card. The company would offer XXXX XXXX hotel points to sign up for the card, pay a {$75.00} annual fee, and spend {$2500.00} on the card within XXXX months. As part of this bonus, one can use the points to book hotel rooms through XXXX XXXX, and if one books XXXX or more nights in a row, the last night is Free. This is a significant offer and the primary reason I signed up. ( A friend of mine did the same ). After signing up, I received the card in the mail with the rewards program details ( see attached ). I received this XX/XX/XXXX. When I called to activate my card, I asked about the rewards program and was told that the bonus award night promotion was ending effective XX/XX/XXXX. I was quite perturbed and felt misled, however, when I told the US Bank representative ( her name is XXXX ), after conferring with her manager, she told me that because I had just signed up for the card, the bonus award night promotion was being extended until XX/XX/XXXX. I made her confirm that this was indeed the case, prior to activating my card, which she did. Since she confirmed, I activated the card. Today, XXXX XXXX, I called in to attempt to use some award points to book a hotel room and was unable to utilize the bonus night promotion. When I called US Bank they told me that the program ended on XX/XX/XXXX for everybody - no exceptions. I spoke to multiple customer service reps to inquire as to why I was misled when I was activating my card. None of the customer service reps would not let me speak to XXXX or her manager, despite multiple attempts. I let them know I would be filing with the NC Attorney General, and they tried to " bribe '' me with XXXX bonus points. I did not take this, and told them to close my account and refund the {$75.00} annual fee. I feel that US Bank blatantly lied to me in an attempt to gain me as a credit card holder to pay a {$75.00} annual fee and spend money on their card. I would sincerely appreciate the NC Attorney General 's office looking into this matter. Their are many reports online of people having similar issues with US Bank, specifically as it pertains to their XXXX XXXX program. Thank-you. - XXXX | ||||||
| 03/05/2022 | Yes |
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| US Bank sent out a very deceptive promotional credit card offer that on its surface sounds enticing, but which if they had marketed it honestly almost nobody would even consider acting upon. The promotion is clearly worded in bad faith to mislead consumers. On XX/XX/2022 I opened a letter letting me know that I could " Earn up to 20 % more cash back on purchases this spring! '' in large letters for my US Bank CASH+ credit card ( well known as a 5 % cash back card ). Below this was another informational box that also says " For a limited time, earn up to 20 % more cash back on purchases when you use your CASH+ ... '' Below this is a smaller box that mentions " Earn up to 20 % more cash back ( up to {$20.00} ) on purchases after you spend {$2800.00}. * '' with the footnote asterisk. The footnote asterisk explains that what you ACTUALLY get is that after FIRST spending {$2800.00} ( in under 2 months ), spending after that will be awarded a bonus 0.2 % cash back per dollar spent up to {$20.00}. This is completely ridiculous on so many levels. This is a 5 % cash back card in selected categories, and while I understand that the base cash back is technically 1 %, marketing " 20 % more cash back! '' to mean 0.2 % more cash back on a 5 % cash back card is already deceptive. Furthermore, huge letters indicating 20 % more cash back, and tiny letters at the bottom saying " first spend {$2800.00} and then {$500.00} more for your {$20.00} cash back '' is clearly deceptive. And even further, doing that math, {$2800.00} + {$500.00} spent for {$20.00} of bonus cash back is not even close to 20 % more cash back on that whole spending volume, and no combination of spending could achieve the upper bound on the " up to 20 % '' promise. This promotion is clearly offered in bad faith hoping that people who don't bother to read past the huge " Earn up to 20 % more cash back this spring! '' spend large amounts of money on their credit card thinking they're going to get a huge discount on their purchases in the form of cash back, only to discover that if they didn't spend over {$2800.00} in two months they get nothing, and even if they DID, all they can get is a max of {$20.00}. Frankly ridiculous, I've never seen US Bank put out a deceptive promotion like this and I'm frankly appalled at how disingenuous it is. | ||||||
| 08/20/2015 | Yes |
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| On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed. | ||||||
| 02/17/2023 | Yes |
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| They never gave me an application or loan number but they would have it under my SS # XXXX. I applied for a HELOC with US Bank a little over 90 days ago. They ran my credit. I gave them all the documentation they requested. I had a specific representative assigned to me for my contact through the process. Her name was XXXX XXXX. XXXX XXXX XXXX Mortgage Customer Specialist XXXX | XXXX. I was told via email that my credit income were all verified and everything was ready to go. They then sent their Certification of Revokable Trust Form that had numerous questions on it that had to be notarized by myself and my wife as we have revokable trust. I also had sent them the " certification of trust '' document from my trust as well. I am attorney for over 30 years. I understand the questions very clearly on US Bank 's " Certification of trust form. I filled it out four times, had it notarized four times. Three times the review team stated it was filled out " incorrectly. '' On the third time I requested that they point out what was wrong or at least the item number they were looking at. I was told, since this is legal document they can't tell me. I found to small errors on the first two which were inconsequential and not material I have no idea what was wrong on the third or fourth. I reviewed them several times before sending them back. They were property notarized, dated and signed correctly. The problem is every time I submitted the Trust Doc to them it took them ten to 14 days to get back to me that it was " incorrect '' but would not tell me what was incorrect so I could correct the issue, which for the life of me could not see an error. I was just told, ten days later after the fourth attempt the review team says it is still " incorrect. '' but refuse to point out to them what is incorrect. They have now closed their filed denied the loan because it has " timed out '' over 90 days. The delay was caused by their delay, and REFUSAL to simply let me know what was incorrect or what item they were concerned about. Without telling me what they thought was " incorrect '' I can't fix it when everything is correct when I look at it. I gave them every document they asked for. I was approved and the trust document was the ONLY hangup but would not tell me what was " incorrect '' so the application timed out. | ||||||
| 05/22/2023 | Yes |
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| In XX/XX/XXXX, my wife XXXX XXXX and I, XXXX XXXX, put money down to buy a house from XXXX XXXX in XXXX XXXX, Arizona. XXXX XXXX referred us to US Bank for financing because I operate a small business. Through U.S. Bank, were were prequalified and we had planned to use them to secure a Jumbo loan for {$1.00} XXXX less 20 % down. The house was delayed significantly due to supply chain and labor related issues. However, the home is now scheduled to close on XX/XX/XXXX ( changed by XXXX XXXX from the original closing date of XX/XX/XXXX ). The US Bank person we've been worked with all along is : XXXX XXXX, Mortgage Loan Originator | NMLS # XXXX. Direct : XXXX or XXXX. XXXX has been there for us throughout this process and an excellent resource. However, there was a series of unfortunate, corporate-driven events that occurred that prevented us from locking in rates on XX/XX/XXXX and XXXX, XXXX where we could not get a 7-year ARM rate quote from XXXX to make a rate lock decision. While I'm uncertain of the exact reason, I was told that one day " the system was down '' and, the next, XXXX did not have access because US Bank Corp changed their pricing parameters. XXXX indicated the threshold and price parameters likely changed due to tightening concerns as US Bank prepared to close on their acquisition of Union Bank. Consequently, as consumers we are being subjected to this new threshold whereas we should have been grandfathered in as the old pricing parameters in existence before XX/XX/XXXX. With quoted rates of 6.5 % as of XX/XX/XXXX, the process is subjective, deceptive and discriminatory. If we were to lock today, the rate spread will cost us ~ {$760.00} per month. Ultimately, US Bank changed the rules in the game without telling us or formally sending us a notification. Plus, they locked us out from being able to make an informed decision with our mortgage agent. And, had we know this were the situation, we would have been more aggressively shopping for another provider. XXXX shares in our concern and has expressed this to management for an appeal, but they have said no so far. He plans to appeal again today. With the closing just over a couple of weeks away, we now need to lock-in a rate by this Friday, XX/XX/XXXX. Your help is greatly appreciated in helping to facilitate this complaint. | ||||||
| 11/22/2019 | Yes |
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| Dear Esteemed CFPB Person, Thank you for taking the time to review our complaint about US Bank. US Bank offered the following terms to open a new checking account with {$300.00} bonus : https : XXXX/www.usbank.com/content/usbank/splash/checking/checking-offer-summer19.html. Requirements : Use promo code XXXX Receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening Be enrolled in either U.S. Bank online banking or U.S. bank mobile app by XX/XX/XXXX I opened a new checking account on XX/XX/2019 and immediately signed up for online banking. And, on XX/XX/2019, my first electronic ACH direct deposit in the amount of {$2700.00} was deposited with US Bank. My 2nd electronic ACH direct deposit account in the amount of {$2700.00} was deposited with US Bank on XX/XX/2019. And, my electronic direct deposits are continuing to be deposted with US Bank and I continue to use US Bank online banking. On XX/XX/2019, I sent an e-mail to US Bank and inquired about my bonus credit and was advised by Miss XXXX XXXX.U.S. Bank Email Operations Department that I have met all the requirements and if I do not receive the bonus by XX/XX/2019 then reach out again and Miss XXXX A from US Bank will do the research. On XX/XX/2019, I sent a follow up e-mail to US Bank requesting an update and a credit to my account for {$300.00}. On XX/XX/2019, Mr. XXXX XXXXU.S. Bank Email Operations Department, responded that I have met all the requirements and he will escalate my request. On XX/XX/2019, I sent another e-mail requesting update. I was advised that I did not meet the requirements as my direct deposit did not make it on time. The bonus offer clearly states as follows, " Receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening ''. My US Bank account has been receiving electronic ACH direct deposits from XX/XX/2019 and both Miss XXXX XXXX and Mr. XXXX XXXX, U.S. Bank Email Operations Department have confirmed that I have met the requirements. Based on the facts, I believe I have met the requirements as outlined by US Bank. May I please seek your consideration and help in receiving my {$300.00} US Bank account opening bonus? Please let me know if I can provide any additional information or documentation. | ||||||
| 06/07/2022 | Yes |
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| Hello, On XX/XX/XXXX I opened a checking account with US Bank after seeing on their website advertisement that if I set up a direct deposit and paperless statements, and the direct deposit within 60 days is over {$5000.00}, I will receive {$400.00} bonus within 60 days. I met the {$5000.00} direct deposits threshold on XX/XX/XXXX, which is day XXXX after opening the account. Still counting 60 days after opening the account and another 60 days in which the bonus should be received, the due date was XX/XX/XXXX. I called US Bank on XX/XX/XXXX twice and spoke with two representatives providing all that info. I was told that they are forwarding my request to a specific department and I should be contacted by XX/XX/XXXX. I was not. I called again US Bank on XX/XX/XXXX and explained all of the above. I was told by the representative that there are no notes on my account. So neither of the two representatives from XX/XX/XXXX put note or escalated the issue to the appropriate department as I was told. That third representative assured me that he will forward my issue to the appropriate department and he will CC his supervisor to see why nothing was noted/done by the first two representatives, and that I will be contacted within 48 hours. I called again US Bank on XX/XX/XXXX and explained again all of the above and asked about the status because I was again not contacted as promised. The representative put me on hold and after a while i was told that they are still researching it. But when I asked for confirmation that there are notes on my account and what is the due date until I should wait, the representative asked me to provide information about the issue without confirming that there are notes on my account put at least after my third call on XX/XX/XXXX. In essence, each time ( four times now ) I called, the representative would tell me that they need to forward my issue to a specific department, but they would not do so. Neither would they put any notes about my inquiry and the issue on my account. Please help. The bonus offer is again on their website with the same terms as it was in XX/XX/XXXX when I opened the account. ( see : https : //www.usbank.comXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I can provide account information and call logs upon request. Best regards, XXXX XXXX | ||||||
| 03/02/2023 | Yes |
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| I opened an account with US Bank in response to a {$400.00} new customer offer. After opening the account, I became aware that US Bank had acquired another bank 's accounts, and thus myself as one of their customers. US Bank continues to use the branding of the prior bank on these accounts and has provided no communication indicating a transition of ownership. Once realizing that this may mean that I did not qualify as a new customer, I reached out to US Bank and was assured by multiple associates that the separate branding for the prior account meant there would be no issue and that I should continue fulfilling the terms of the offer. I then fulfilled the terms and completed the offer. However, the {$400.00} bonus never arrived and each contact with US Bank assured me that I had met all of the requirements and to just give it a few more weeks. I continued asking US Bank to clarify the timeline for the bonus payout, which eventually lead to a " research request '' being filed. I was told that I would hear from US Bank within a few business days. I never was contacted and subsequent contacts with US Bank indicate no such " research request '' existed. After it was clear the " research request '' didn't exist, I requested a path to resolution from US Bank and was directed to go into a physical branch, which was the only way to get it resolved. I did so, and they proposed filing another " research request. '' I was again assured that I would be pro-actively contacted with the results and that it would be a few business days. I again have received no communication from US Bank on this matter. As part of my in-branch visit, we were able to ascertain that US Bank does not honor USPS 's National Change of Address program like other banks I associate with. As a result, any physical notification of the acquisition of State Farm Bank accounts by US Bank was sent to a known old address and returned to sender by USPS. US Bank then clearly took no action to contact me via phone or email to convey this information to me. As a result, I opened the new account in good faith belief that I was a new customer and was repeatedly assured that it would not be an issue. After repeated attempts to resolve the matter, I continue to get directed to non-existent " research requests '' with no clear answer. | ||||||
| 09/21/2018 | Yes |
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| I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours. | ||||||
| 01/06/2023 | Yes |
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| I was approved for a U.S. Bank XXXX XXXX credit card. This credit card has been a nightmare. At no point and time was I alerted or instructed to set up a " Central Billing Account. '' Every time I logged into my account it showed no balance due. No payment is due for months. Then I get a letter in the mail with a different account number saying my payment is late. I call and an hour + six customer service representatives later, they said that when I was approved for the card, someone should have setup my Central Billing Account. No one did that. I didnt do it because I didnt know it was a thing. This is my fifth biz card with U.S. Bank and no other card has this. I have literally never done this with any other business card, and even with U.S. Bank. I tried to setup the new Central Billing Account but it says my account doesnt exist. Ive called and emailed U.S. Bank. Theres one person whos been handling my issue. Her name is XXXX XXXX XXXX had 29 emails and multiple phone calls. No joke. She said my bonus has been posted but its not showing up in my rewards section. Shes called multiple times, shes contacted the business department, and she has worked her tail off to find out : why cant the central billing account be set up, why its erroring out when I try to do it and most importantly to me where is my {$500.00} bonus AS WELL AS I over paid while with a customer service representative and I have a {$40.00} credit on my account, that I can't open or use. XXXX XXXX, reached out to someone in business credit card department and he said he had to contact one of his supervisors. This has been going round and round and round and round. Literally, who should have to email 29 times? I got my statements but they were only from my credit card account number, never through a central billing account. Mine always saying, New Balance {$0.00} Minimum Payment Due {$0.00} Payment Due Date XX/XX/2022 ( etc ) How I found out, was receiving a past due notice about my Central Billing Account ( one I didnt set up NOR anyone from U.S. Bank setup ). I should have my {$500.00} + my {$40.00} credit and access to my account. This is ridiculous. No other bank would have done this. There is so much to send here and unpack. I'll forward you every email I've received in trying to handle this mess. | ||||||
| 04/14/2018 | Yes |
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| We are a Family living in XXXX Florida, Me, my Husband and XXXX teenagers daughters, I work for the XXXX XXXX XXXX, and my Husband is an XXXX, last year we had the impact of one of the most destructive Hurricanes from the past 20 years and under federal disposition all mortgages together with credit companies agreed to help the Florida residents holding payments for 2 or 3 months and putting those payments at the end of the mortgage life that was the agreement with US Bank our Mortgage lender, we verified before accept the help that the credit will no be affected and the monthly payment keep as before, after the first month without payment all statement came with all late payments fee, plus threatens of foreclosures, and our credit was seriously affected, we called several times, and their response always was that the system generated those warnings automatically but everything was under control and they will do a modification without affecting the current monthly payments in XX/XX/XXXX the first month after the 3 month hurricane help, well in XX/XX/XXXX our nightmare began, the modification last 3 months now we have to pay in full in 6 moths the 3 months of hurricane help that should be placed at the end of the mortgage life, then our first payment as soon as in XX/XX/XXXX jump from XXXX to XXXX for the next 6 months that include the month after Hurricane XXXX XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX plus the late fees ( XXXX ) that they agreed not to charge resulting in a total of XXXX, far from a hurricane help this is an abusive and coercive method of removing our home after 14 years of loyal costumers always paying on time it makes sense the housing market value is around {$330.00} and our debt is XXXX and we already paid in 14 years to US Bank XXXX, maybe more and our first preconstruction sale was XXXX. We are a mid-class family my oldest daughter is getting to the university, and the youngest in XXXX XXXX. We are very frustrated with this situation because of looks like if we do not have any rights and the banks have you as a prisoner due to the debt. This Institution is our last resource we beg you for help. We have no choice, no options as the US Bank repayment plan agreement says dated on XX/XX/XXXX, anything else means Foreclosure. Thank you for being there to give us some Hope. | ||||||
| 05/08/2021 | Yes |
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| I tried to open a bank account at US Bank in XXXXXXXX WI. I worked with a XXXX XXXX and XXXX ( female ). They asked me for my SSN and mothers maiden name. They acted like they could not set up my profile. I gave them my email address too and my physical address. They told me they could not open an account. They did not provide me any paper documentation showing they were declining opening an account. They said it was because i did not have {$25.00} to put in the account and their manager XXXX said no to opening the account. I could hear rustling around in the office next to us and noticed that there was a big open space at the top of all the so called offices. As I was sitting there I noticed a husky man that resembled XXXX XXXX. He had a beard and white/grayish/blonde hair walking down XXXX XXXX That man i have seen him 3 different times before this. He drives a XXXX XXXX XXXX. I babysat for a family in XXXX who has my SSN and I think something fraudulent could be going on. The grandpa drove a white XXXX XXXX also. He was in the XXXX parking lot where i had a PO Box recently. I also saw him come through the ATM when I was asking a teller at the XXXX XXXX drive thru why they would not open an account. As I was leaving US Bank in XXXX a XXXX woman came from the side of the building and I think purposely walked behind my car as I was backing out and it looked like she was almost laughing and walked to her car where she followed me to another bank in XXXX and went to the ATM. I feel this woman and the employees ( XXXX female ), XXXX XXXX , and XXXX , all might be part of a fraud/identity theft ring. A local agency in XXXX told me that a man was trying to steal my identity at XXXX XXXX Bank. I also went to XXXX XXXXXXXX XXXX area in XXXX XXXX XXXX and they put me in a room with a XXXX woman, which was a violation of my HIPAA. I am wondering if it was the same woman. The woman at US Bank that followed me to XXXX XXXX XXXX ATM her license plates were XXXX. She was driving what looked a silver XXXX XXXX XXXX. There was also a XXXX that came in. They gave me an account number, but not a debit card. I am wondering if this XXXX woman was in another office at the same time and is committing identity theft under my name and potentially overdrafting the account or cashing a check that belongs to me. | ||||||
| 02/10/2021 | Yes |
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| US BANK closed my account unexpectedly without any notice or heads up. I had about {$52000.00} in my savings and checking account with them. The manager XXXX handled everything unprofessionally he lied about the account closing saying it was the back office of US BANK when indeed it was him. I asked him how will I get my money back he said he sent out a cashiers check to me. After 2-3 weeks waiting for a cashiers check that shouldve been over night mail. I contacted XXXX at US BANK asking him where the checks are and why its taking so long. According to him since he had the tracking number he said they havent been mailed out yet and still at the post office. I then asked for him to cancel those checks and i can come by the branch he said that wasnt possible. It was 2 checks that where supposed to get sent to me via USPS and signed for. I have cameras all over my house and can assure you that not one single person from the post office brought me anything all year let alone that week to sign for checks. My checks either never got sent to me and got cashed by someone else at the branch or they got delivered or stolen from a different address. Cause the checks got cashed at a XXXX XXXX. I dont bank with XXXX and had identity theft involving chase last year which i can provide a police report and FTC reports to show proof. Another week goes by and i still dont have my money. I called XXXX back and he said he needs to get an OK from higher management to see when he can reissue me my checks. After a couple hours he called back and all of a sudden says how the checks where cashed and try asking me if i forgot i cashed 2 checks around {$52000.00} like Id forget something like that. Pretty much he was accusing me for cashing Checks. He then had me come to the branch to file some fraud forms that he didnt help me with and let me know what has to be filled out which delayed the process even more. After another month of miscommunication my forms and fraud case where approved by US BANK fraud department. They finally found out where my checks where cashed and sent 3 letters to that bank demanding the funds back so i can finally get my money back. But the process has been taking way too long and i really need those funds. Its been 6 months already and i still havent seen a dime from my money yet. | ||||||
| 11/10/2023 | Yes |
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| Hi, I bought a US. Bank prepaid card, Bin XXXX. {$500.00} ( deposit ) + {$6.00} ( purchase fee ) XX/XX/XXXX : The trouble started from XX/XX/XXXX, I lost my card. XX/XX/XXXX : I requested a replacement. They asked me to provide IDReceipt, submitted on web ( XXXX ), identifying the purchase. I did it. They sent me the replaced card. ( Charged me a {$6.00} replacing fee ) XX/XX/XXXX : I got the replaced card. XX/XX/XXXX : The same day, I find the card is unable to use, I contacted the company, spending over 1.5 Hours. They said they are unable to active my card since the information I provided is not match. ( yes, this is okay, it does mismatch because I bought a lot of GiftCard that day ), ( Complain 1 : How can they issue a replacement if info mismatch? ) XX/XX/XXXX : I agree to send correct info, And I did it via Fax. They said they will active my card in 3 days. ( Complain 2 : it's XXXX, Fax is not convenient to use, Each time I use it I will be charged a couple XXXX Why we can not use E-mail? ) XX/XX/XXXX : I called them again, The card is still un-active. XX/XX/XXXX : I called them again, they said they still can not active. I escalated to the supervisor, they now provide details about why it can not active. " the photo ID is to light to be seen, " ( I used my phone to take a photo of my ID, And Faxed it. I can see it clearly, Name, Datebirth, Address, everything is clear. I don't know why they can not see it. ) ( they just repeatively said it's too light to be seen in their system ) ( Fax will automatically adjust the photo to white and black, so they is no so called " light '' problem, becasue all photo will be black and white ) ( I actually a half-professonial photographer, I know how to take a photo better than 99.99 % people ) I said, I can upload it again, on web site, so this will be very clear to see. At first, they said they can not do it, they can only accept Fax. After half hours talking, they give me a try to upload, a web channel. But that channel is not working, I can not upload it. Then, they start repeating again : " fax is the only way to do it, we can not do anything else ''. I said, can we use e-mail? They said no, Fax is the only way. For now, I spend over 1.5 hours on the phone again, and I still can not use my card. ( Complain 3 : XXXX XXXX ) | ||||||
| 07/31/2020 | Yes |
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| I applied for a mortgage loan modification in XXXX or XX/XX/XXXX. I submitted documents and went back and forth with relationship manager XXXX for several weeks. I finally submitted everything as requested and was approved for a trial payment period. I paid all three of the payments ( XXXX, XXXX and XXXX ) and continued to pay the {$950.00} payments past the trial while waiting for the final modification documents. I call in to make the payments when I pay. I called in and made a 4th payment on XX/XX/XXXX. I called on XX/XX/XXXX to inform them that I would be making the payment for XXXX if not the week of the XXXX, I would make in on XX/XX/XXXX and I also asked about final documents for loan modification. She said I should be receiving them soon. I called today to make the payment and I was told that the payment was {$970.00} instead of {$950.00} I said ok, I would pay that amount, but I need to speak to someone regarding the final modification papers. She transferred me to someone and I was told that my modification had been cancelled because I did not submit a copy of my marriage certificate that was requested on XX/XX/XXXX. I told her I never received a letter and no one called to inform me that it was needed. I called in to make a payment on XX/XX/XXXX and no one asked about the document. My relationship manager had not reached out to me regarding the document or anything else. I was told it was sent to my bankruptcy attorney. I reached out to him and he said that he has not received any letter from them, if he had he would had sent it to me. Now I have been asked to start this process over and I don't think that it is fair because someone dropped the ball. The representative at US Bank Home Mortgage goes on to say maybe the lack of communication was related to COVID19 and not having many people at work. Well that's not my problem because I am essential worker and I go to work everyday. I have done my part to in this agreement to pay my mortgage throughout this plan and I thought that was the purpose of an INDIVIDUAL RELATIONSHIP MANAGER to make sure the communication goes smoothly. But there has been no communication and I somehow have to pay for the mistake. NOT FAIR. They called me to let me know about documents needed before, so why did they not call to tell me needed this one? | ||||||
| 07/17/2023 | Yes |
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| On XX/XX/XXXX, I ordered a cosmetic item from an XXXX seller. The total cost of the item was {$11.00}. I paid for this using a combination of my US Bank XXXX XXXX XXXX card, and rewards points I had accrued by using this same card. I paid {$5.00} from my card, and the remainder of {$6.00} from my rewards points. The item showed as delivered onXX/XX/XXXX ; however when I looked in my mailbox and all around the front area of my home, the item wasn't able to be found. I have no idea where USPS delivered it. I immediately requested a replacement or refund from the seller since the fault was with USPS and I shouldn't have to pay for an item they failed to deliver. The seller refused to provide a refund, and neither XXXX nor XXXX would refund the cost since they accept USPS 's delivery status. So I contacted US Bank to raise a dispute to claim the full cost back. I explained that partial payment had come from my rewards points, and I specifically asked on 3 occasions during this phone call how I would get the rewards points back. I was told that it would be credited back to my rewards balance. I waited 2 weeks and after not hearing anything about the status, I contacted US Bank again. I was told that the dispute had been resolved in my favor and that the {$5.00} had been refunded to my account. I asked why the {$6.00} in rewards points wasn't showing in my rewards balance, and the agent couldnt provide me with an answer. I then had to wait a long time while she went to ask someone else. Eventually I was put through to someone in the rewards department. I explained the problem yet again, and this time was told that they couldn't add the funds back to my rewards account. I asked how I was supposed to receive a refund for the {$6.00} spent on an item which hadn't arrived and had been partially refunded. I also pointed out that in fact I'd been told by 3 people that in fact the amount WOULD be credited to my rewards. This agent said this wasn't possible. This is blatantly untrue. It would have been very simple to add the amount of {$6.00} to my rewards balance. But the agent just didn't want to go to the trouble to find out how to go about doing it. I want the amount outstanding on my now resolved disputed transaction to be credited, either to my rewards account or to my credit card balance. | ||||||
| 02/02/2022 | Yes |
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| On XX/XX/XXXX my lease agreement with the U.S. Bank NA has expired, and I paid off my outstanding contract obligations as well as the associated Sales Tax amount. On closing of the account, the U.S. Bank NA ( tax ID XXXX ) has issued a check for the amount of Sales Tax payable to the New York State Department of Motor Vehicles. I have then deposited that check during title processing with the NYS DMV and was issued a new title for the vehicle. On XX/XX/XXXX the NYS Department of Motor Vehicles informed me via a written letter that the sales tax check issued by the U.S. Bank NA was returned unpaid. I was also informed that a ) a new payment is needed from me ; AND b ) the new amount due now includes a penalty for the dishonored check ; AND c ) my driver 's license will be suspended unless the total payment is received. Since the moment I received the above letter, I attempted to discuss the situation with the U.S. Bank NA multiple times without any success : 1. Phone calls made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 2. Has been rerouted between multiple departments and spoke to the agents in each one : - XXXX ( customer support ) - XXXX ( lease end ) - XXXX ( lease maturity ) - XXXX ( banking ) 3. As advised on the phone, communicated the full history and provided supporting documents via fax/email : - XXXX ( customer service fax? ) - XXXX ( titling department fax - twice! ) - XXXX ( customer service manager? ) At no time has anyone contacted me from the U.S. Bank to update me on the status or with any questions. All the conversations were initiated from my side. As of this point, after wasting numerous hours on the phone discussing the same problem over and over, I was informed by the agent and her manager on XX/XX/XXXX that a request was sent to the " back office '' 5 days ago, that no response has been received, that it's not clear when a response will be received, and that there is nothing else anyone can do until the back office '' responds. Based on the above, my conclusion is that the U.S. Bank has either intentionally withheld the sales tax money they received as intermediary and fraudulently issued an invalid check, OR that the U.S. Bank is a highly dysfunctional institution, incapable of providing customer service at a reasonable level. | ||||||
| 09/25/2021 | Yes |
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| Purchased an XXXX puppy named XXXX on XX/XX/XXXX. {$1000.00} payment sent to XXXX XXXX at XXXX through US Bank XXXX. Transaction completed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. Puppy was to ship within 2 hours per website and XXXX XXXX. I contacted him several times and was told it takes time to process paperwork. My daughter called next morning at XXXX XXXX & spoke to XXXX. Told her the paperwork takes time, that I would hear from the shipper in a couple of hours. Three hours later I receive an email from XXXX XXXX XXXX XXXX XXXX XXXX with info puppy would be shipped at XXXX, arrive at XXXX. Delivered to my home. Received another email from them, requesting {$1400.00} for transport crate and I would be reimbursed when puppy was delivered. I thought they meant {$14.00} and sent another XXXX payment of {$14.00} to XXXX XXXX, XXXX email XXXX. They sent an email back stating the cost of the crate rental is {$1400.00} not {$14.00}. I emailed them back and told them the seller was responsible for shipping the puppy to me and to get the money from him. They responded back they would not ship the dog and did not refund my {$14.00}. At this time knew I had been scammed. Reported to US bank on XX/XX/XXXX. Did not hear back from bank. Met with a banker on XX/XX/XXXX and they will not refund my {$1000.00}. I want both web sites removed from internet and prosecuted to the fullest extent of the law : XXXX XXXX XXXX & XXXX. The above information was sent to the Federal Trade Commision. Also, was told by a XXXX customer service representive, XXXX, who helped me set up the XXXX account I would be able to get my money back. I met with banker at US Bank, XXXX XXXX, on XX/XX/XXXX and was told I can not get my money back. The bank never made contact with me after I report the scam/fraud issue to them. I called a week later to insure my claim was being investigated and was told it was. I would have reported this sooner had the bank contacted me. Someone there dropped the ball. I never would have sent any money to anyone without assurance my {$1000.00} would be refunded to me if there were any problems. US Bank obviously supports the use of XXXX and should be held accountable to refund my {$1000.00}. Thank you very much for any help you can give me in recovering the money I was scammed out of. | ||||||
| 11/08/2017 | Yes |
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| My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later | ||||||
| 06/29/2023 | Yes |
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| This is my second complaint, due to the response received having nothing to do with rhe actual complaint. I have since seen the rules and I have since learned if choices regarding overdraft protection. But it was way too little to late. Having had my account for less than two years with over {$4000.00} in fees taken by US bank is excessive and quite disturbing. I am on a fixed income, XXXX XXXX XXXX and now my credit is messed up because clearing if I am missing {$4000.00} over approximately 18 months, I cant pay my bills, let alone afor to eat. There were actually XXXX fee charges in less than a XXXX month period, from XXXX XXXX of this year. XXXX in the XXXX years since I opened the account. No one has ever given me any direction in any way shape or form. The FDIC states they should monitor excessive and chronic customer use. More than XXXX occasions of overdrawing in TWELVE months is a red flag for them to take meaningful action and provide alternatives. There was absolutely effort by anyone to contact me by phone, mail, email. Heck, I live about XXXX blocks from the bank and they could have come by. Our town is very small. Our local US Bank branch brags about wanting to assist their customers with managing finances and making it as easy as possible. They claim they will collaborate to underarms our situation and develop personalized strategies. They clearly have not collaborated nor taken the slightest interest toward any strategy. This has created a huge ripple effect tans devastated us. I dont need their policy reiterated. I need them to take some ownership on their failures. I dont lay all the blame on theim but banking is supposed to be their expertise. Not mine. I am a XXXX XXXX citizen on XXXX. And I can barely afford to pay the bills I need paid in order to breathe, thanks to them. I would think a refund of those fees, at least XXXX of which should have been prevented, if they had been monitoring and provided explanation of the overdraft protection and opting out ( which XXXX knew nothing of until it was waaayyyyy too late. And I contacted them. They made no effort whatsoever to do anything. Still havent. They just kept raking in the money and didnt say a word knowing full well it was excessive and deceptive and in violation of the FDIC specified guidelines/rules. | ||||||
| 11/18/2022 | Yes |
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| On XX/XX/XXXX, US Bank Collections Department illegally ( without a Court Order ) and without my consent debited my personal checking account ending in XXXX, in the amount of {$2000.00} ; for an outstanding collection balance due from a non-related commercial business account ( Midwest XXXX XXXX ) that I was linked to as a registered agent from XXXX, account ending in XXXX and that the they said had been written-off in XXXX. I was merely a registered agent of the incorporated business from XXXX and am not financially liable for any debts owed by that company under the laws of State of Illinois and United States of America . I contacted US Bank Collections on XX/XX/XXXX, via phone and spoke to Supervisor XXXX within the US Bank Collections Department. I explained that I was not associated with the business entity anymore, that I had never received any prior notice about the debt and that they had made a mistake by illegally seizing the funds from my personal checking account without a Court Order. I asked them twice to return the funds to my personal account as it had caused me severe financial harm and I was unable to support my living ( couldn't afford food, medical or basics ). He informed me that I did not meet the hardship guidelines set by the bank and that they would not return the funds. On XXXX, XXXX, XXXX, I submitted a complaint to the CFPB regarding this matter. Complaint # XXXX. On XX/XX/XXXX, US Bank replied to the complaint and blatantly admitted that they intentionally violated FDCPA ( Federal Law ) by illegally seizing funds held by a registered agent of a Corporation ( not funds of the Corporation ), without written notice as required under Section 27 of their terms set forth within the agreement they provided. The company also did not provide proof of evidence of an original signed and executed Agreement, between the Parties, showing that they had any right to collect the debt for which they claimed they were owed. The company is clear violation of various State Statues and Federal Acts, and all information received will be forwarded to the appropriate State Attorney General and United States Attorney Generals ' Office for review. I am asking that is matter be re-opened an an investigation be completed, based on the new information provided by the Respondent. | ||||||
| 08/07/2021 | Yes |
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| Dear CFPB, If this wasn't happening to me then I honestly wouldn't believe it. I have been a loyal card holder of my XXXX credit card plus I drive an XXXX XXXX. Both items have never been late but for some strange reason I receive a threatening letter from XXXX card member services on XX/XX/2021 indicating in a letter format that because my account is currently inactive for non using my " XXXX BALANCE '' credit card during covid ( which I purposely did not use because I didn't want any debt because of these uncertain times ) ... the letter plainly stated I was a credit risk. In fact the letter says : The primary reason for this decision were - * Account is currently inactive The letter from Card member services went on to say that my good standing credit card would have its balance reduced from {$2500.00} to {$500.00} which ultimately would affect my credit score " SEVERELY '. And it did. I received a credit alert notice from XXXX today stating my credit score had dropped 10 points because of the reduction in this credit balance. Cardmember services indicated in its letter that there decision was based on a credit report they pulled from XXXX ( when I did not authorize this nor was I credit risk ) so this was pulled fraudulently and maliciously. I feel they are targeting there XXXX American base of clients with this redlining process they are implementing. if I had a high credit limit, was late multiple times or behind on a current payment then I would understand the retaliation but thats not the case here. I have a " XXXX BALANCE '' credit card in impeccable standing and as a consumer I am choosing not to use it unless its for emergencies just like the rest of the population - preferably XXXX. I always maintain a credit score somewhere between XXXX to XXXX but even in this situation I still had a high score considering the national average. I have attached a copy of my credit score from XXXX which I'm a member of XXXX XXXX and I monitor my credit like a hawk so for this to happen and get punished for actually having a pro balance during one of the bleakest periods in history for mankind is really scary that Cardmember service is taking this bold move to harass, punish and push its members to run up debt to appease its shareholders is absolutely pathetic to say the least. | ||||||
| 02/07/2022 | Yes |
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| Hi. Please help me on this as I can not access my online account for over a month now. Even the " forget password '' option doesn't work as the phone number that appears where to send the one-time code is not mine and US Bank have not done any steps to correct it despite my claims due to fraudulent activities. On XX/XX/XXXX or XXXX - I received a text from US BANK that my mobile # has been changed and then followed by a XXXX transfer of {$500.00}. I immediately called US Bank about the fraudulent activity and informed them that I have not changed my phone number, I was shocked and can't believe what was happening. US BANK advised to lock my checking account and credit card to avoid any further fraud transactions. It also means I won't be able to access my online account until I everything has been cleared. I was told to visit one of the USBANK locations to get a new card # and get further help to resolve all issues. Once at the bank, i informed the banker about the fraudulent activity and told her to remove the unknown phone number, there should be only my phone number on the account. Record has been updated except for the online account as I was told to call them again. Following, upon checking my online account still i can not log-in. Even the forget password option still doesn't work. Once again, i called online banking service and fraud department to help me, i was on the phone for more than an hour, have been transferred multiple times and was asked same details name, address, date of birth and ssn multiple times but still they were not able to help me. Worst to know that someone's phone number is still on my account. i am not receiving any text nor any alert, hackers out there is getting it! i thought the fraud phone number has been removed! Didn't I already informed them about it? on the phone and by visiting one of their location a month ago! I was informed tonight that they will issue a claim to remove the number and it will take 3-5 business days! Haven't they taken any steps to correct it? I've been with them for more than 10 years. I felt so disappointed as they have not done enough to resolve this issue and the stress it has given us. it's time to end it and move to a reliable bank. Thank you for your help in advance and any help big or small is greatly appreciated. | ||||||
| 05/23/2017 | Yes |
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| I have had past problems with US Bank in XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at XXXX XXXX XXXX XXXX XXXX , XXXX , NV XXXX . On XXXX XXXX , 2017 a c heck # XXXX was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On XXXX XXXX , 2017 I m ade a deposit from my other US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check # XXXX when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ). XX/XX/2017 Overdraft Paid Fee XXXX {$36.00} {$7400.00} {$7400.00} XX/XX/2017 Deposit View Image {$7000.00} {$7400.00} XX/XX/2017 Check View Image XXXX {$870.00} {$490.00} I went to my branch XXXX XXXX and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager XXXX at another local branch and she refused to reimburse the fee so I went to her superior XXXX who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the XXXX accounts I have at their bank and that I could come pick up my cashiers check today. Every manager and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money. | ||||||
| 10/20/2023 | Yes |
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| I've received calls from a number that shows as XXXX XXXX on the caller ID on XXXX, XXXX, XXXX, and XXXX. I assumed it was a spam call but looked up and saw that XXXX was the name of a debt collector in Oregon where I am located. On XXXX I answered that call at XXXX XXXX I was told I was in collections from an old US Bank debt and that I should call XXXX Legal located in California, at ( XXXX ) XXXX and that my case number was XXXX. I called the number and talked to a man named XXXX who told me about my debt which he said was roughly XXXX dollars. I told him that even if I thought this was correct there was no way I could pay that off in full today. He asked how much I could pay off and I just said {$500.00}. He told me he'd go talk to his XXXX to approve and not even XXXX seconds later he was back to say I could pay it all for {$670.00}. I played along and told him I would have to wait XXXX hours until I was off work. He said he would start a " two-hour timer ''. I did some research and XXXX XXXX was a group based in XXXX. The numbers they called me from were not showing up on XXXX. When I called the actual XXXX XXXX they didn't answer. When I called the public-facing number for XXXX, XXXX was disconnected. I then checked my credit scores for any collections and there were none. I then called US Bank and talked to their credit department where they confirmed that I was not in their system as being sent to collections. I called XXXX back and asked first for the company 's website and public-facing number so that I could confirm they were legitimate. XXXX refused to give me this information saying that " they could help me if I wanted '' and that " they're not in the business of giving out information about the company... that's another department. '' I started explaining why this is important and was put on unannounced hold several times mid-sentence. I hung up fairly sure I was being scammed. XXXX called me again today at XXXXXXXX XXXX. I called them back and told them I had received a call earlier and was calling back. XXXX knew my name and said she was transferring me. I then heard the same holding music that played when I called the RSG Legal group. I then heard the voice of XXXX with " legal department ''. I hung up even more sure that this was fishy if nothing else. | ||||||
| 07/03/2023 | Yes |
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Web | Servicemember |
| I have in multiple occasions contacted the bank regarding the process of my account being closed, I had several claims open because of the negligence in my claims for fraud, Since last year I have dealt with getting my account closed and getting my money back or at least having access to my funds, I had my car stolen not because of the bank of course but due to not being able to commute to work and not being able to access my funds with the bank I was unable to pay for rent since the money on my account was for rent and was evicted. I have had to continue to wait and wait, unable to even use that money for a downpayment for a car at this point, I had to move back to California with my mom, get a new job, and still can't even get a vehicle, I called this morning XX/XX/XXXX at XXXX XXXX and was transferred multiple times and still receiving no answer than, we don't know when you will get your money back but your account has been set up for closure, the agent also mentioned that if I wanted my funds I should just go to a branch and if they want to release the funds its up to their discretion, In XXXX of XXXX I was told the same thing and proceeded to go to a local branch and was told by the branch manager that its up to the claims department to help me with this and not the local branch, I then proceeded to continue to go from agent to agent, manager to manager and case processor to case processor and have yet until this day have no idea when I will be receiving over {$2000.00} of my money back, not only the I was also charged a monthly service fee even though my account " is being closed ''. I have been more than patient trying to receive my funds and have yet to receive anything or any help of the sort being so that I was old my claims have already been processed closed and final. The following is some information regarding the most recent times I have annotated my calls. I have also attached the amount of the fund being held from me as well as the maintenance fee I had to call about. Claim number US Bank : Process date : XXXX XXXX XXXX CLLED XX/XX/XXXX CALLED XX/XX/XXXX @ XXXX CALLED XX/XX/XXXX @ XXXX XXXX unable to revive funds until all claims are processed CALLED XX/XX/XXXX claims for debit card have been approved and closed unsure of when I will have access to funds | ||||||
| 10/20/2019 | Yes |
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Web | Servicemember |
| I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies. | ||||||
| 01/23/2022 | Yes |
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| I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim. | ||||||
| 11/11/2017 | Yes |
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Web | Older American |
| On XX/XX/XXXXI used my home computer on the Flagstar 's website to request a balance transfer to pay off a XXXX XXXX XXXX credit card. After entering the transaction, I realized I put in the wrong amount. I called the Flagstar on XX/XX/XXXX@ XXXX XXXX & asked if they could access the transaction I just entered and correct the amount. The representative told me the transaction did not go through. She mentioned " if I did not see a disclosure statement, then it did not through '' She also told me that I should go back in and do it again. I chose to wait a couple of days and check to see if it was processed. After two ( 2 ) days, I could not see the transaction, so I used a courtesy check from the Flagstar and went into XXXX XXXX XXXX and paid off the correct balance. On XX/XX/XXXX I received a letter from Flagstar indicating they had in fact prepared and sent a check to XXXX XXXX XXXX. As a result, two ( 2 ) transactions were processed and my account has a balance reflecting both. I was also charged two ( 2 ) fees associated with the transactions. I called Flagstar on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. She told me the first representative did not know where to look for the transaction. We discussed her putting a stop payment on the check they sent to XXXX XXXX XXXX. I told her after the account was paid off, I closed it. XXXX left the phone and spoke to her manager and returned to tell me that XXXX XXXX XXXX would return the check to them as the account was closed. After I asked her if she was still going to put a stop payment on the check and she said " yes ''. However, XXXX did not. XXXX XXXX XXXX received the second check for the wrong amount and is still holding the credit on the closed account. I complained to Flagstar about the incompetent representatives and they indicated they would review the calls. Subsequently I received a call from a female supervisor who was nothing more that a liar. She told me they reviewed the second call and there was no mention of " stopping payment ''. I know this is a LIE as I was on the phone. They are only attempting to cover their XXXX in this. I wants a transcribed copy of the tape since I was on the other line. They are refusing to provide it to me and lying about the content of the call which lasted twenty-seven ( 27 ) minutes. | ||||||
| 08/09/2023 | Yes |
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| I saw an account opening bonus offer from U.S. Bank and it was mentioned in the offer that account can be opened in a branch, online or over the phone. Then I took the screenshot of this offer and went to the U.S. Bank 's nearby branch to open the checking account. - I showed the offer 's screenshot to the branch manager & he applied the promo code and opened my account on XX/XX/XXXX. He told me that I should receive the bonus after 3 months provided I meet the requirements. - Then I visited the branch after 3 months [ in XX/XX/XXXX ] to inquire about the bonus. The branch manager checked if I met the requirements & he confirmed that I have met them & should receive bonus by next month. - Again I visited the branch [ in XX/XX/XXXX ] & asked about my bonus. The manager again told me that it should be credited to my account soon in a couple of weeks. - After that I waited for around a couple of months hoping that I will receive the bonus but nothen happened. - Then I called the U.S. Bank 's customer service to raise my concern & the representative told me that they will get back to me in few days after inquiring the issue. But nobody called back. Then I called again & they said the same thing. - Finally, I got a call back from their promotion department & he said that the concern has been checked & the branch manager is supposed to make decision. He assured me that brank manager would call me in few days which he did. - Now [ on XX/XX/XXXX ] the current manager of U.S. Bank 's branch, where I opened my account, is saying that I'm not eligible for the bonus because the promotional offer was not directly sent to me rather I searched on XXXX for offers & landed on the their official page that showed this offer. This makes no sense to me - So, my concerns are as following : 1. why was I allowed to use that promo code at the first place if I'm not eligible? 2. why did branch manager assured me multiple times that I will receive bonus? 3. why was that promotional offer available to everyone on their official website if it was supposed to be applicable to selected people? Atleast it should have been mentioned somewhere on the promotional offer. I think this is the trick they are using to attract customers to open accounts in their bank & I feel that I have been deceived. | ||||||
| 06/27/2022 | Yes |
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Web | Servicemember |
| CASE DESCRIPTION : This complaint is made against US Bank XXXX, as one of its subsidiaries, Elan Financial services is ultimately responsible. While well hidden, the policies are created but US Bank XXXX which is the responsible party in this complaint. Through a solicitation I received in the mail, I signed up for the Ent XXXX Credit Card ( offered by Elan Financial Servies, a division of US Bank XXXX. Part of the reason for getting this card was the generous 5 % that they offered for certain categories such as home utilities. Based on the solicitation, I decided to get the card. I selected XXXX XXXX for XXXX of the 5 % categories and incurred a convenience fee in order to pay my home utility, Colorado XXXXXXXX XXXX. The transaction posted at 1 % and when I called I was told this was an obvious mistake and that it would be fixed. When it was not fixed, I contacted Ent again and was told that Colorado XXXXXXXX XXXX, despite posting with the merchant code was not considered a utility as they do not have utility as their primary business. I am surprised as Ent is headquartered in Colorado XXXX and I would imagine pay a monthly bill to their utility company, Colorado XXXXXXXX XXXX. When I spoke to a supervisor I was told that this often happens when a business conducts business in more than one category, such as XXXX XXXX I checked the XXXX website and saw that they primarily sold - utilities such as water, gas, and electric. I could not order clothes or groceries from the XXXX website as they did not offer that, like XXXX XXXX I was then told that the terms and conditions said that there are some guaranteed home utility companies, but that the " millions '' of others " may or may not '' count towards the additional reward. Ent 's policy seems to be-we don't know what reward you might receive, but get our card and maybe, you might just possibly could have the utility company that you have providing your home utilities count as home utility. But, and I am adding my own interpretation, we will decide and you'll find out after you paid your bill. If we don't want it to count, then it won't, too bad, so sorry, try something else and even if the merchant code is the correct one, we decide-logic, fairness, and basic common sense doesn't apply as XXXX determines what is a utility. | ||||||
| 10/08/2020 | Yes |
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Web | Servicemember |
| In XXXX of XXXX I had {$1000.00} withdrawn using an ATM in XXXX XXXX TX. This transaction was unauthorized and fraudulent. I closed the card and filed a dispute with U.S. Bank. I am a XXXX on a laid off worker workfirce re-entry program through the Texas XXXX XXXX. Rhis debit card is issued to me by the state of Texas through U.S. Bank. The funds were place back into my account and I received the funds back onto my card. The correspondence received from the bank stated that the money was removed due to a system error. I started to regularly change my pin numbers and contacted customer service asking for some type of safeguard against unauthorized usage on this card. On XX/XX/XXXX I checked my balance as I regularly do, and noticed a great decline. I logged onto my online banking and found three more unauthorized ATM withdrawals one after the other occurring on XX/XX/XXXX. Each was for {$300.00}, totaling {$900.00}. I immediately contacted the lost/stolen card department and repeated the process of ordering a new card and filling a dispute. I did not withdraw these funds and have never been to the city where these violations are happening. U.S. Bank has declined to put the funds back onto my card and says no error occurred. I am being targeted by scammed and criminals within the banking system because my card had never left my possession. I have never shared my pin number with anyone. U.S bank has someone on the inside that is committing these acts. There is no other way and no explanation other than an inside job. I did not visit or utilize any ATM on XX/XX/XXXX. If U.S bank had investigated and pulled the ATM images or investigate internally this could be solved. I want my funds placed back onto my card. I have sent in an affidavit from the person I was with at the time of the theft. I feel frightened and targeted. I have suffered from this violation and need assistance. I am still trying to gather any other documentation or proof if innocence. No one will listen to me, I have spoken with multiple supervisors and representatives but if seems as I no one will just investigate. I will speak with law enforcement or any investigator from the bank. Please direct me to any additional steps I should take because I did not do this nor did I authorize ANYONE to use my debit card. | ||||||
| 08/22/2015 | Yes |
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| There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of. | ||||||
| 01/10/2023 | Yes |
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Web | Older American, Servicemember |
| I had a business checking account with US bank NA. On XX/XX/XXXX, I deposited a check of : {$260000.00}. On XX/XX/XXXX, I deposited another check of : {$26000.00}. On XX/XX/XXXX, I deposited another check of : {$360000.00}, the check of the {$360000.00} was returned as irregular signature because the issuer and signer of the check had XXXX XXXX XXXX XXXX XXXX which caused her signature to not be accurate. I have spoken to US bank severally about this and even the issuer of the check has spoken to them. The check of {$260000.00} and {$26000.00} cleared respectively but because the check of the {$360000.00} was returned, US bank decided to close my account. I was told the account would be closed by XX/XX/XXXX and a check would be mailed to me for the balance of the checks that cleared. XXXX XXXX, my business checking account was closed but the balance on my account was not mailed. I gave them a call back, I was told they they had instructed a branch manager by the name XXXX XXXX to issue me a check for the balance on the account before it was closed but I was informed the said branch manager was on vacation until XX/XX/XXXX. I went inside of the branch to meet the branch manager XXXX XXXX to inform her about the instructions I had heard from their Customer Compliance Department for her to issue me the check for the balance on my account before it was closed, she confirmed to me that she received the email but she did not have the authorization to issue me the check, I asked her what was going on, she told me their risk department had not released my funds and she hadnt heard from them. I waited for another week hoping to have information, but nothing. I kept calling XXXX XXXX to give me the direct number of the risk department but she said she couldnt and that she would follow up with them and asked me to keep calling her. Every time I call her back, she finds it hard to speak with me and she tells me she hasnt heard anything from the risk department. I asked her, why did you close my account if your review was not over? Now, I cant see my money and none of you is responding to me with information. Up until this moment, I keep calling them and no one seems to know what is going on and no one is answering my calls or questions. I need my money back to continue with my XXXX | ||||||
| 01/03/2022 | Yes |
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| In XXXX of XXXX my family and I got extremely sick with Covid-19. My Wife and I missed a lot of work and pay. I called US Bank to start a forbearance plan. The plan was ONLY supposed to last 6 month. In XXXX of XXXX, I called US Bank to have the opportunity to start making payments again. US Bank offered me 3 separate options for a mortgage modification. When US Bank gave me my options, I misunderstood what the Loss Mitigation Rep was telling me, and I choose the incorrect option. It is now XX/XX/XXXX, I have gone through 6 loan modifications! According to US Bank, they " never received '' any of my loan modifications documents. On the other hand, I have been told by several different representatives through US Bank and they have told me received my documentation. I had a rep even tell me " Because I signed in to online banking, my load modification went null in void ''. It is difficult to get ahold of US Bank. I have called 10 times. Each time I have called, I have waited over a hour on hold. I have tried calling different times during the day. No matter the time, I am stuck on hold waiting for a representative over an hour. This is a tactic to prevent their clients from calling in. I am a director of a call center of a Credit Union. We focus on getting to the clients as fast as we can. You can monitor wait times with the call center programs. When members have to wait over an hour to talk to a representative, this disregard towards their members shows US Bank is unwilling to assist their members in the best way possible. How can I get an issue fixed when I have to take at MINIMUM 1 1/2 hours to try and get my situation fixed. They do not have physical locations to go to. When I first signed my mortgage, it was with XXXX. My Mortgage was sold to US Bank. We never freely went to US Bank to get our mortgage. I feel like US Bank is purposely causing these issues. I am strongly believing that they are trying to foreclose on our house to make more of a profit off my house. With current interest rates at an all time low, US Bank is forcing their clients into foreclosure to get the most value for their investment. I have a Wife and four daughters, I can not lose my home. I need your help. I need US Bank to finally fulfill their promise on completing a PROPER LOAN MODIFICATION. | ||||||
| 07/08/2016 | Yes |
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| Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long | ||||||
| 04/11/2022 | Yes |
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| The original creditor for my account was XXXX XXXX XXXX which was subsequently bought or transferred to Elan Financial. Elan Financial is reporting that my payments were late in XXXX and XXXX of XXXX, despite me having documentation ( bank statements ) to show that phone payments were processed with XXXX XXXX XXXX each month through XX/XX/XXXX in the amount of {$51.00}, thus XXXX should not and can not in good faith report that I was delinquent in my payments to them. I was contacted by Elan Financial in XX/XX/XXXX who stated that they were the new creditor and would not honor the previous payment agreement I entered with XXXX XXXX XXXX to close my account and continue payments. At this time, I had a loss of income due to XXXX and shared this with the representative who subsequently enrolled me in a modification plan. A required XXXX faith payment was made to enroll in the program and there have been no missed or late payments since that time. I have made several requests to both Elan Financial and the credit reporting agencies XXXX, XXXX, and XXXX to have my credit report updated to remove the delinquent payment reporting due to the internal errors, my subsequent enrollment in the modification plan, and continued satisfactory payment history. The continued negative reporting is in direct violation of the following FCRA The Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information. Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX20., contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19-related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX, and do not apply to charged-off accounts. | ||||||
| 07/05/2023 | Yes |
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| US Bank Relicard has been nothing but trouble since receiving it. I usually get my direct deposit Government Benefits sent to US Bank XXXX XXXX XXXX after receiving them from XXXX. US Bank does not deposit my benefits early. Recently, I requested a payment from Texas XXXX XXXX on XXXX XXXX, 2023. This was processed and sent to US Bank XXXX on XXXX XXXX, 2023. I did not receive the funds, When I logged in today it tells me that my account 's are in ( Read Only ) Mode. When I spoke to a rep today from US Bank XXXX they told me that my account has been deactivated from XXXX and that I need to contact XXXX. XXXX does not issue debit cards and does not have control over enabling or generating or disabling debit cards. That is US BANK. I asked to speak to a manager who told me they closed my account on XX/XX/XXXX after receiving my payment and that I can't speak to anyone about it and he can't explain it to me. Even though, I never received any letters or notices from US Bank Prior to my account being ( Closed ) Without Explanation or resolution. Again he directed me to contact XXXX. I called XXXX Today and they told me they don't see anything about a account deactivation and that there is no errors on their side, They told me they will have to send an inquiry to their finance department but they already issued my payment and US Bank did not send it back. US Bank is obviously holding my funds ( My original email XXXX ) US Bank Relicard customer service refuses to give me any information and just keeps directing me to XXXX. XXXX tells me they do not issue debit cards, my account is not locked with XXXX and my benefits payments are in good standing. So Clearly this is an issue with US Bank Relicard. They are holding {$1000.00} of my money, and this is going to cause me to be evicted and not be able to pay bills. This is causing financial loss and monetary harm. US Bank Did not provide detail, and will not assist me. US Bank issues the Relicard and again they are all clueless as to what is happening. XXXX said Relicard may need to verify my identity but they have already done that several times now. I want a resolution as to how it is legally allowed for them to hold my government benefits without explanation. Closing the account the day they receive them seems oddly suspicious. | ||||||
| 02/14/2022 | Yes |
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| Like many Americans, my financial situation was impacted due to the COVID-19 pandemic starting in XX/XX/XXXX. Our XXXX income was down 30 %. When the CARES Act passed in late XXXX, I called U.S. Bank and XXXX XXXX ( our home equity loan servicer ) to ask for help. Your agents were helpful and comforting during an extremely uncomfortable time and I was placed on a COVID-19 forbearance program in XX/XX/XXXX. I kept in touch with U.S. Bank throughout XXXX, either by taking your calls or calling to update our financial situation. We paid what we could while on the program. At the time, I thought the U.S. Bank COVID forbearance program was a godsend because we were able to keep our children safe, healthy, and fed, without fear of losing our home. Now, I no longer have that faith in U.S. Bank. My trust in your company began to erode in XX/XX/XXXX when I started what I thought would be an easy process to resume my mortgage payments. Our financial picture returned back to normal and we were ready to resume our mortgage payments. I called on XX/XX/XXXX and was told by a U.S. Bank Relationship Manager in order to resume payments and have my deferred amount moved to the back end of my loan, I needed to submit a Request for Mortgage Assistance application. I questioned this as all the literature U.S. Bank sent while we were on the forbearance stated I just needed to call to select an option and begin paying. I was assured this was the process. I have since submitted THREE applications, all requested by different Relationship Managers. At one point in XX/XX/XXXX, I was told by a manager in the XXXX XXXX unit ( XXXX XXXX ) that the past RMs were not processing the right code for a COVID forbearance due to a system glitch. He assured me that he will make this right because this was the banks error. After not hearing back from XXXX XXXX, I called again only to be asked to submit another application. I again was assured was needed to process my COVID deferral and begin to pay my mortgage again. I just received a letter dated XX/XX/XXXX that not only will U.S. Bank not defer my COVID payments but the only option I have is a Short Sale. As an aside, XXXX XXXX immediately allowed me to resume my monthly payments and adjusted the deferred payments. Without question and in one phone call. | ||||||
| 10/15/2015 | Yes |
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| I applied for a HELOC with US Bank Mortgage Division at the end of XXXX. I strongly believe my loan request has not been given proper attention. I am a single woman and this may be a fair lending issue. Below is a timeline of the transactions : Disclosures printed XXXX15I provided the bank with all requested information by XXXX/XXXX/15. The appraisal was completed on XXXX/XXXX/15. On XXXX/XXXX/15 I was asked to submit additional income information, which was submitted on XXXX/XXXX/15. On XXXX/XXXX/15 I received a denial of the original request for $ XXXX with a counteroffer of $ XXXX. I called to accept and no one returned my call. I emailed my lender and shedid not return my email. After several days of no response I called the supervisor who didid not return my call but had the lender call me. The lender said it was still inunderwriting and the letter sent was just a letter they send out and not an actualapproval. She would let me know when it was approved. I returned the offer letter via certified mail with receipt by the bank on XXXX/XXXX/15. On XXXX/XXXX/15 my lender notified me to have my insurance add them as the second mortgage on my insurance. My insurance agent complied. I asked the lender when we were closing as they are adding a second mortgage to my insurance. She said I wasstill not approved. On XXXX/XXXX/15 I requested a status on my loan and my lender said she would check andlet me know. On XXXX/XXXX/15 I was determined to get someone, other than my lender, to talk to me and after being on hold for 40 minutes was transferred to my. lender. She said she would look into the status. Later the same day I received an email telling me I did not qualify and would have to payoff my car loan in order to get the loan. I replied stating the car loan had not changed nor did my income from the date I received an approval. So after 72 days from the day of disclosure the bank is denying me on income which was in their hands on 9 days after the day of disclosure. I believe this is a violation of Reg B requiring banks to notify customers of a denial within 30 days of a completed application. In addition they provided a letter of approval for $ XXXX and are now saying that letter was not valid. I have documentation and emails to verify all of the above information. | ||||||
| 06/09/2023 | Yes |
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| US BANK XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Open Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Balance : {$2200.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} XXXX XXXX : {$1000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. | ||||||
| 06/22/2020 | Yes |
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Web | Servicemember |
| I, XXXX XXXX XXXX, want to make the following statement under oath : My last name is 2 words, XXXX XXXX. Since late XXXX someone has been using my name to obtain credit while I was stationed with the United States XXXX in XXXX XXXX. I was deployed a total of 3 years and 4 months in XXXX and XXXX. These tours were back to back without a break in between. I was seriously injured and spent the better part of my remaining time of enlistment under medical care. During this time I did not actively monitor my credit reports. Due to an extended hospital care for combat injuries I have temporally misplaced these military police reports. In wartime the military does not keep records of police reports for easy retrieval thus the need to secure a current identity theft police. Every time I provide past police reports, affidavits and correspondences the bad accounts return to my credit reports after a few years under a different name/account number and I have to once again file the same disputes on my credit report. To date I have spent thousands of dollars in legal fees. Recently, in XXXX and XXXX there were 16 hard inquiries on my credit reports for a credit card with banks as well as for a fuel card. Twelve credit cards or accounts have been issued since XX/XX/XXXX. I have zero control over these inquires and credit accounts. I have flagged and froze credit granting from the three credit reporting agencies. Additionally, there is a fictitious power of attorney that is being actively used under my name as well as a California ID. The stolen identification problem continues to remain an ongoing issue for me. I have also filed a Identity theft report to the Federal Trade Commission. I have attached that report. It is report number XXXX. Today, I once again filed a police report with the XXXX Police Department in XXXX, Texas. That report, which I have included is report number XXXX. I have not authorized anyone to use my name or personal information to obtain money, credit, loans, goods or services or for any other purpose. Do not grant credit to anyone under any likeness of my name. I hereby declare that the above statement is true to the best of my knowledge and belief, and that I understand it is made for use as evidence in court and is subject to penalty for perjury. | ||||||
| 02/02/2018 | Yes |
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| This issue has been unfolding over the last few weeks of XX/XX/XXXX, 2018, through early XX/XX/XXXX, 2018. I maintain 2 checking accounts with US Bank. One is tied to my debit card and used to pay off credit cards. The other is rarely used, and thus has a low balance - under {$500.00}. I have had both of these accounts for around a decade. Last, I have a credit card through US Bank, for which the balance of about {$1000.00} was due in mid to late XX/XX/XXXX, 2018. I have purposely never had automatic payments to this credit card because I often pay it through outside checking accounts, but this time, US Bank 1 ) turned on automatic payments ; 2 ) turned on auto-payments only for the checking account with a low balance ; 3 ) did not turn it on for the checking account I generally use ; and 4 ) did not enable their system to pull funds from the larger account when the smaller account was exhausted, which it was. I woke up to find a {$600.00} overdraft of the smaller account, and the larger account untouched, so I called US Bank and had them 1 ) reverse the payment ; 2 ) turn off automatic payments ; 3 ) enable overdraft protection such that if I attempted to overdraft the smaller account, it would pull from the larger account rather than overdraft ; and 4 ) reverse the overdraft fee. This all seemed fixed until a few days later, when I found out that even though they reversed the overdraft fee and payment, that they forced the same payment to happen, and it overdrafted again and charged me 3 overdraft fees - the first, a {$25.00} extended overdraft fee from the first issue ; a new {$36.00} overdraft fee, and a third extended overdraft fee. I called them shortly after ( this is in the last days of XX/XX/XXXX ), to which they replied that they simply didn't do what we had discussed, despite agreeing to it. They did not stop that one account from automatically paying the credit card. They did not enable it to pull funds from the larger account when it was exhausted, and they continued to pile on fees. It would be a simple matter of phone calls except for their XXXX having made my car payment bounce. I have the funds, I guess I just don't get to control how they are used. I called today, XX/XX/XXXX, to which they claim to have fixed the problem. I am doubtful. | ||||||
| 09/07/2023 | Yes |
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| I feel I was discriminated against based on my color when I went into the US Bank location of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Order of Events ============== On XX/XX/XXXX I went inside to make an appointment to open a checking account. I spoke with one of the tellers in the front an she informed me she could make an appointment for me. So she took my id and asked me what time did I want the appointment for. I said XXXX on XX/XX/XXXX. I saw her typing something and after a min she said ok you are all set for tomorrow. So I left XX/XX/XXXX at XXXX I went in based on this information and sat down. After about 5 min of sitting I was called over to a smaller teller window and a different lady asked how can I help you? I informed her of my appointment and I wanted to open a checking account. She looked and said she saw no appointment ( I could sense an attitude ). But I was patient. While waiting in front of her another XXXX younger lady came in asking for notary services from another teller. She then said to me can you go sit over at another desk and I will be right there. So I did what she asked. She then immediately went to handle the white customers notary and left me there waiting. ( Let me say again that new customer that came in was already dealing with another teller ). So after about 10 or 15 min of waiting she then came over to help me. After giving her my information she then told me after about 5 min of putting it in that she could not open an account for me because of information in XXXX. I said XXXX??? I have never had any issue opening a bank account and have been long standing members of XXXX XXXX XXXX with both personal and business accounts. I also informed her since I had a XXXXXXXX XXXX a XXXX XXXX asked me did I want a XXXX XXXX checking account the day prior and I went through with it with no issues. So I left and contacted XXXX immediately. As I suspected XXXX had absolutely nothing in my file except an inquiry or two. I also checked my credit score and it was well over XXXX. I then started to investigate US Bank and they seem to have a long history of discriminating against XXXX customers with literal class action lawsuits against them presently. It was a 100 % humiliating experience for me. Reference XXXX XXXX XXXX XXXX | ||||||
| 03/24/2022 | Yes |
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Web | Servicemember |
| In XXXX these two charges were processed on a US Bank credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because US Bank did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from US Bank notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. Upon receipt of the letter, I called US Bank to pay off the card and, again, close the account. I also explained the situation, asking if US Bank could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe US Bank does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all XXXX bureaus. XXXX just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to XXXX that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because US Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of US Bank to close my account as requested and subsequently failing to notify me that charges existed on this card. | ||||||
| 05/24/2021 | Yes |
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Web | Older American |
| US Bank continues to harass us. Regardless of what they tell the CFPB, they refuse to speak with me about anything. They say they are waiting for court documents and won't speak to anyone other than XXXX XXXX even though they know he is deceased and passed away 2 years ago. This time, the contact is for a completely new issue. US Bank has always paid our homeowners insurance policy. According to our insurance company ( XXXX XXXX XXXX ), US Bank made a payment a few months ago and this payment paid the entire policy until it renews around XX/XX/2021. Absolutely nothing is due until the next period starts in mid XXXX and the Insurance company won't even know the rate until early XXXX. In a letter dated XX/XX/2021, US Bank says our homeowners insurance has " expired ''. In this same letter, they stated that they plan to buy insurance for the property and it may be SIGNIFICANTLY MORE EXPENSIVE and may not provide as much coverage as we already have. Since they paid the entire premium themselves, they should be able to check their own records and see that the entire amount is paid up for at least 7 weeks. As a mortgage company, someone in their office should be aware that I can not even make a payment towards the next billing cycle until the insurance company sends me a renewal Since they plan on buying insurance for a property that is already covered, they will probably try to pass that premium on to us. We will NOT be responsible for this amount. Lastly, they say they will record every call to us but don't want us recording them. Colorado is a single-party consent state when it comes to recording phone calls so I have notified them verbally that I record every single call they make to me. This complaint will serve as a written notice that I will continue to record every call they make to me. If the CFPB or FTC would like to listen to some of these calls, please let me know and I will gladly forward the recordings. Please see last response from US Bank to CFPB. They state that they will discuss this with me but they still refuse to speak with me when I call. Also, I tried calling the phone number in the letter they sent but it goes to a 3rd party and this letter was sent by US Bank, and wasn't sent by the people at the phone number i was instructed to call. | ||||||
| 09/25/2015 | Yes |
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| I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. Thank you | ||||||
| 01/29/2024 | Yes |
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| On XXXX, I opened a US Bank Business Checking " Silver '' account. I did so because I was seeking a new business checking account, and because US Bank was running an attractive promotion for business checking accounts at the time. To fulfill the requirements of the promotion, I deposited {$15000.00} into the account on XXXX, and withdrew the {$15000.00} from the account on XXXX. ( As a result, in accordance with the terms of the promotion, I made " new deposit ( s ) of at least {$15000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$15000.00} until the XXXX day after account opening. '' To this day, my account has remained open and with a positive balance. To date, US Bank has not deposited the {$750.00} promotion into my account, despite me fulfilling all of the terms listed in their promotion at the time. I have reached out to US Bank customer service on several occasions via phone ( I do not recall the exact dates of these calls ), and they told me that I didn't include the promotional code in my application. However, I have a screenshot of my application that I took during the time of my application showing the code ( " XXXX '' ) applied and entered into the appropriate field. I have not heard back from customer service since sending this information over to their customer service email, as per their request. On XXXX, I contacted the closest US Bank branch via phone and explained the situation. I forwarded the aforementioned screenshot via email ( as per their request ) and waited to hear back. I followed up with the closest US Bank branch via email on XXXX. I received a reply, saying in part " [ management is ] actively looking into this. Since it is an expired promotion, it is taking some time to get results. '' I followed up once more with the same branch via email on XXXX, and have yet to hear back. I possess the screenshot of the promotional code applied to my application ; the terms of the " XXXX '' promotion that state the promotion being valid through XXXX ; and the email correspondance pertaining to my communication with the branch thus far. I am willing and able to provide these documents if needed. | ||||||
| 10/30/2020 | Yes |
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| I have filed a cell phone insurance protection claim as my phone was accidentally damaged beyond repair, for my US Bank Blue Cash+ Signature Visa card through XXXX aka XXXX XXXX XXXX. Claim # XXXX Per Visa/Us Bank, I have provided the administrator with valid copies of recent credit card bills, original purchase receipts, repair receipts, warranty information, as well as screenshots of current replacement phone pricing The claim was denied, then denied again upon appeal, with a reason given of " Thank you for submitting your completed Warranty Manager program claim application. Unfortunately, we are unable to honor your claim due to the following : On the date of loss, Manufacturer 's warranty was still valid. Please contact the manufacturer for further repairs. This benefit 's coverage mirrors the manufacturer 's coverage. The cause of the claimed product 's failure is not covered by the manufacturer 's warranty ; therefore, your claim is not eligible. '' Per the US Bank cardmember cell phone protection guide website at https : //mycard.usbank.com/GuidetoBenefits my card provides cell phone insurance coverage providing accidental damage coverage where no other applicable insurance or warranty exists to cover the loss. I have no other insurance for this item, and per the manufacturers website at XXXX XXXX XXXX-of-sales, accidental physical damage to the device is specifically excluded from warranty coverage. Multiple phone calls to US Bank and Visa on XX/XX/20 have specifically referred me back to cardmember services. As of today, XX/XX/20, I have 2 seperate emails as well as verbal confirmation over the phone from XXXX / " Cardmember services '' published customer service number that they will not cover this claim. Further attempts to contact supervisors at all the above named companies have been unfruitful. I fully intend to pursue legal remedies should informal contacts with the above named companies continue to be unproductive. A notice of intent to sue / demand letter will be my next step. All documents mentioned have been previously provided to Cardmember Services as directed, and will not be attached here ( because they've already been provided and I've spent enough time dealing with this already that I don't feel like attaching all that XXXX ) | ||||||
| 07/22/2021 | Yes |
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| In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!? | ||||||
| 11/11/2015 | Yes |
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| I am being harassed methodically about a debt that was created with accounting fraud and bank fraud, pursued with threats, mail fraud and wire fraud, and which continues to be pursued by US Bank which largely just got rid of regulatory issues with CFPB and FTC falsely claiming to have dropped the dispute. At this point, I continue to be contacted offensively constantly. Reference has been made to the bank continuing the false claim that there was a basis for the debt, in self absorbed gross misconduct XXXX that continues to have as its only substance generating criminal disturbances by every method possible with the bank. Which was told to cease and desist collections and refused to do so or cooperate with dispute debt collection law, or any other law as of XXXX/XXXX/15 and since, and cease contact entirely, at which time the bank started contacting me constantly demanding I " cease contact with the bank ''. Which continues to have no substance but criminal disturbances conducted like an orgy that has no end, and appears to have changed my residential mailing address because it has to cover up how brilliant it is living possible next door in my apartment building. I need my US mailing address removed from the abuses of US Bank and its employees, particularly for tax information I reportedy can no longer get on line, and for any other purpose by US Bank. I need US Bank removed from its continuing harassment of my XXXX mail at the Post Office I have been using for years, and the war it has created with postal employees who keep redelivering refused US Mail that US Bank keeps sending back. Reference to refusing to drop the dispute happened as a slip to CFPB repeatedly. Its responses to CFPB are no different from the contact with me, which is the sole substance continues to be an orgy of gross misconduct criminal disturbance damage infliction. It continues to falsify inflammatory claims to third persons to manipulate the no examination of the claims made, which are massively repetitively fraud, and so a criminal event escalating in severity as an orgy. I am continuing to be threatened about fabricated debt and forced illegal criminal harassment contact by US Bank by every method possible and working third persons including the XXXX US Post Office. | ||||||
| 05/24/2022 | Yes |
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| I schedule a phone appointment to occur on XX/XX/XXXX at XXXX PT via the U.S. Bank XXXX on XXXX the message for the purpose for the appointment, I stated I had incurred overdraft fees and am struggling financially and the amount of fees that have been incurred has created a spiral effect and I was requested approximately half of the fees back. On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX XXXX and stated the purpose again and also stated I did not receive a call on XX/XX/XXXX. On XX/XX/XXXX I did not receive a call from anyone at U.S. Bank. On XX/XX/XXXX I scheduled another phone appointment to occur on XX/XX/XXXX at XXXX PT. This request I did not state the reason for the appointment. I received an email from U.S. Bank on XX/XX/XXXX asking for some details pertaining to the appointment. I responded stating, " I want to have a conversation with the XXXX XXXX at this scheduled time pertaining a fee reversal. '' On XX/XX/XXXX, I did not have receive a call at the requested time. I had to call the branch at approximately XXXX XXXX. The XXXX answered the phone. I shared with him all of the attempts in obtaining an appointment pertaining to the fees and the avenues of speaking with him was not to my satisfaction. He acknowledged he was supposed to have called me but was with a customer at that time. He asked if he could call me back pertaining the matter, I agreed. He called back and had reviewed the account and he inquired what was going on, I shared what I am dealing with, going through a divorce all while being a single parent and now going their XXXX treatment. I could not afford the fees I have have incurred which has causes a revolving door. He reversed XXXX of the XXXX fees ( as of that date ) that were incurred and offered to reach out to his XXXX XXXX and XXXX person to fulfill on my request. He also said it was unlikely, and it would be approximately a week before hearing a response. I requested a response prior to a week. It is now 9 days following that conversation and I have not heard back. I have since incurred more and more fees. I CAN NOT AFFORD ALL OF THESE FEES. My new request to have XXXX of the fees to be reversed to my account. | ||||||
| 06/18/2021 | Yes |
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| I HAD BEEN MAKING PAYMENTS TO AN ATTORNEY TO HANDLE A TAX PROBLEM I HAD, AND I MADE 10 PAYMENTS THAT ADDED UP TO {$7800.00} AFTER I HAD MADE MY LAST PAYMENT I COULD NOT GET IN TOUCH WITH THEM, SO I HAD MY BSANK RECALL THE 10 PAYMENTS TO MY ACCOUNT AND THEY DID, AND THEN MY ATTORNEY CONTACTED ME AND TOLD ME THAT NOBODY WAS IN THE OFFICE BECAUSE OF COVID 19, AND WE IRONED IT OUT AND I TOLD THEM I WOULD GET A CHECK FOR THE TOTAL AMOUNT AND DELIVER IT TO THE THEM THE NEXT DAY, SO I WENT TO THE BANK AND HAD MY BANK MAKE ME A CASHIERS CHECK FOR {$7800.00} AND THEY CHARGED ME {$10.00} AND MY ACCOUNT HISTORY SHOWS ALL OF THIS, SO AFTER I DELIVERED IT, THAT SHOULD HAVE BEEN IT FINISHED, BUT IT WASNT, MY BANK STARTED PUTTING THOSE 10 TRANSACTIONS BACK IN TO THE OTHER ACOUNT AGAIN, AND I CALLED WHEN I NOTICED THIS BECAUSE THEY WERE USING THE MONEY I HAD IN MY ACCOUNT TO DO THIS AS WELL AS MONEY I DIDNT HAVE, AFTER I LET THEM KNOW THEY STARTED BRINGING BTHOSE 10 TRANSACTIONS BACK AGAIN BUT ONLY BROUGHT BACK 4 OF THEM AND THE OTHER 6 THEY DID NOT AND THEY TOLD ME THAT THE TIME ALLOTTED FOR THIS HAD BEEN EXCEEDED, AND I SAID. " WHAT? '' I AM NOT THE ONE THAT MADE THESE TRANSACTIONS, AND I DID NOT ASK FOR THIS EITHER, AND I POINTED OUT THAT THE CASHIERS CHECK THAT MY BANK MADE WAS FOR THE SAME AMOUNT, TO THE SAME PLACE? AND THEY JUST LEFT IT LIKE THAT AND LEFT ME WITH A {$5500.00} DEBT AND ARE MAKING ME THE RESPONSIBLE PERSON FOR THIS, MY BANK DID THIS WITH OUT ME KNOWING AND I WAS NOT EVEN THERE WHEN THEY DID THIS, IT WAS ALL DONE BEHIND THE COUNTER AND NOT AUTHORIZED BY ME, AND TILL THIS DAY THEY STILL IGNORE EVERY EMAIL I SEND TO THEM IN REGARDS TO THIS AND THIS HAPPENED MORE THAN A YEAR AGO, IS IS HAVING A BAD AFFECT ON MY FINANCIAL STATUS AND CREDIT, I HAVE THE DATES AND ALL THE TRANSACTIONS FOR THE AMOUNTS AND THE DAY THAT IT WAS DONE, AS WELL AS SOME EMAILS THAT I SENT TO THEM I DONT KNOW WHAT ELSE I CAN DO TO RESOLVE THIS AND EVERYTIME I CALL AND ASK ... ... THEY TURN IT AROUND AS IF I DID THE TRANSACTIONS AND I DID NOT, IT IS VERY CLEAR THAT WHAT THEY DID WAS WRONG BUT THEY WILL NOT DO ANYTHING ABOUT IT, THEY ADMITTEDE BEING WRONG WHEN THEY BEGAN PUTTING THE MONEY BACK IUNTO MY ACCOUNT THE SECOND TIME, BUT FAILED TO PUT BACK ALL OF IT please help me with this! | ||||||
| 08/05/2023 | Yes |
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| US Bank advertised a {$600.00} bonus, which I signed up for with the appropriate code and followed all steps to a T that were given to me by an employee of US Bank when I signed up. They denied this promotion 120+ days later when I filed my original complaint with cfpb. This is when they mailed me a letter with this information and provided that if I still disagree to mail in all documents in regards to the promotion. This was sent in over 3 weeks ago and I've had zero response from the company. Therefor I am attaching all documents here as well. The next step will be legal action. I am already planning on leaving US Bank as I am dissatisfied with the absolute disorganization of their company and their predatory tactics. I would like this {$600.00} promotion paid out to me ASAP or the next steps will commence. Below is the ORIGINAL COMPLAINT with cfpb. ________________ I signed up for a US Bank XXXX XXXX Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible. __________________ | ||||||
| 12/08/2022 | Yes |
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| On XX/XX/XXXX and XXXX of this year, US Bank paid mistakenly paid property taxes on my neighbor 's house totaling {$14000.00}. I received my escrow analysis on XX/XX/XXXX and brought the error to their attention by email and phone when I determined that they were trying to escrow funds for my neighbor 's property taxes and my property taxes for 2023. Their error would require my monthly payment to increase about almost {$2000.00}, a near 30 % increase, for the next 12 months, starting with my XX/XX/XXXX payment. After multiple phone calls to their call center, I was assured the situation would be resolved by late XXXX with the escrowed funds being replaced and the escrow calculation being redone so that my payment did not show an escrow underpayment of almost {$24000.00}. I was also told that if I could not or did not want to make the XXXX mortgage payment which is {$2000.00} more than normal, I could simply wait for their internal processes to be resolved and there would not be a late fee so long as I paid by XX/XX/XXXX. I was also advised that it would be fixed by XX/XX/XXXX. I checked with US Bank regarding my account today and after spending over 30 minutes on the phone with two separate representatives, I was told to continue waiting for US Bank to received a refund from the county tax assessor so that they could refund my escrow account, recalculate my monthly payment correctly, and then update my account. They also advised me that if I did not make the full payment by XX/XX/XXXX ( regardless of whether they fixed my account and had it reflect the correct amount ) they would report me to the credit bureaus for delinquency. I have tried to pay just the correct amount of my mortgage but US Bank will not allow me to do that since their system still has not been corrected and is requiring the additional {$2000.00} each month. I have never had a late payment in my life- so the potential effect on my credit is a very personal one. I have spent hours trying to work with them over the past 7 weeks to resolve the situation but feel I have no real recourse if they continue to simply pass the problem around to their various departments without taking real action. I believe the actions of US Bank may violate RESPA and other consumer protection laws. | ||||||
| 03/02/2021 | Yes |
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| I have been through 1 conveniently worded letter and 3 supervisors at the US Bank dispute department. Not one of them took the opportunity to explain to me that I could get ANY related professional to appraise / write the letter VISA needed by XXXX, stating that my hair dye job from XXXX XXXX had been corrected by the XXXX XXXX XXXX. I was led to believe that I needed that letter, specifically from the pandemic closed Beauty School. It was today, that supervisor XXXX called me back and explained that. Naturally, I am livid, feeling that I have been taken advantage of. XXXX XXXX originally told me I should wait until XXXX to see if the Beauty School opened back up to get the letter, and if XXXX would not continue with the dispute, then the money would be rightfully mine. As XXXX didn't wait that long and disputed it again, I did speak with his supervisor XXXX, who I did also explain to that I did not know what to do, as the Beauty School was closed due to the pandemic ( and that I had been trying to contact them in every way I could think of to get this letter, even by dropping a note off in their door ). These supervisors never once took the opportunity to make it clear that ANY hair care professional could write this letter that I needed, they just kept saying that the federal government and VISA was forcing their hand. So then I called VISA directly on XXXX and spoke to XXXX, inquiring as to the ethics of this law, since the Beauty School was closed due to the pandemic, who transferred me to XXXX in the US Bank dispute department to request the case to be reopened. I was told I would be notified within 48 hours as to whether the case would be reopened or not, but I was not. After my 3rd complaint here, I had naturally assumed there was some discrimination, because US Bank only submitted the merchant 's side of the dispute, not mine, so I requested to speak to a different US Bank supervisor. That is when supervisor XXXX explained this missing piece of information to me and I'm upset because it is past the due date time so nothing can be done. I find this all unprofessional and unethical, the teaming up and omitting of such information to take advantage of me ( who has been banking with US Bank for over 30 years ). Related to # XXXX, # XXXX, & # XXXX. | ||||||
| 11/20/2016 | Yes |
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Web | Older American |
| RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. Elan rejected it, because it caused my credit limit to be exceeded. Understood. However .... After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. They would n't even allow me to do that! I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. I ca n't even begin to describe how rude and disrespectful they were to me. Thanks for your attention to this matter. | ||||||
| 06/16/2016 | Yes |
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| XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( 8 minutes ago ) A young single mother was preapproved and then approved to buy a {$100000.00} XXXX. The lady had a total income of {$31000.00} a year. She had monthly debts of {$350.00}. At the very most, she qualified for a mortgage of {$61000.00}. The US Bank loan officer arranged a USDA downpayment of {$1500.00}. Not only was this lady not qualified to handle a {$100000.00} mortgage, she did n't even have any money for a downpayment. The appraiser from US Bank appraised this old house for {$100000.00}. It had sold only a few months earlier for {$55000.00}. Two years later, when US Bank sent an appraiser to determine the value of the property prior to a short sale, the property could only appraise for {$70000.00}. There were no damages to the property at that time. There are now after a year of being listed for sale. After agreeing to let my client do a short sale rather than a foreclosure, US Bank has done everything in its power to prevent the closing of the property. Their closing agents always take off on vacation when the various buyers ' loans are approved. US Bank managed to obstruct and delay XXXX closings with XXXX different buyers over the course of a year. The buyers were so delayed that they eventually gave up. We received a cash offer of {$69000.00}. US Bank sent over after some time an approval Summary stating the costs they would pay. As soon as we set a closing date, the new closing agent requested the exact same documents that she had already had and that US Bank had received many different times from myself and my client. She also wanted the same HUD that she had received before. 2 weeks earlier. I sent them, reminded her that the closing date was Friday, and asked if she needed anything else. Obviously not. Because her auto respond message was that she had left on vacation. So on Friday, finally on schedule, we closed and gave the buyer the keys. Now US Bank is angry. They are giving the title company a hard time. Is it closed or not? What does it profit US Bank to foreclose on this property? Why are they so determined to not settle this matter for good? They netted what they wanted minus the XXXX water bill that totalled over {$500.00} after a year of delays.What is their problem? | ||||||
| 04/24/2015 | Yes |
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| The card promised the benefit listed below but after payment of my {$75.00} annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. XXXX.Bonus Award Night : When you redeem Gold Points for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel XXXX early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your XXXX XXXX account. | ||||||
| 10/06/2022 | Yes |
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| I have a mortgage with USBank. The terms of my mortgage demand that I pay into an escrow account regular payments - out of which USBank disburses amounts for property taxes and home owners insurance. In 2022, USBank has made XXXX disbursements : XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has left my escrow account with- {$1000.00}. These amounts are correct. I received a notice of escrow account analysis for payments due in 2023 on XX/XX/XXXX stating total anticipated disbursements for the next XXXX months of {$12000.00}. The number is incorrect, as the county had recently adjusted my liability and XXXX XXXX increased my home owner 's insurance. I had previously contacted USBank to inform them of the change of amounts, but this was ignored. When I received this incorrect escrow analysis, I immediately contacted USBank, who assured me they would correct the error. I received a second escrow analysis on XX/XX/XXXX stating a total anticipated disbursements for the next XXXX months of {$12000.00}. I again contacted USBank to discuss the problem, they again assured me the error would be corrected. The contact was followed by a letter on XX/XX/XXXX stating that an additional escrow analysis was conducted showing a shortage of {$4100.00} in the escrow account due to the home owner 's insurance, which had already been paid and deducted from escrow. I have now been told there is another escrow analysis being conducted, but I have no confidence it will be done correctly. My actual anticipated disbursement is {$3800.00} to XXXX XXXX and {$2400.00} to XXXX XXXX, CO for a total of roughly {$6200.00} - less than half the amount being demanded by USBank. The mortgage agreement we signed allows USBank to demand escrow payments for the purposes taxes and insurance, with the amounts to be split over 12 months. Even with the shortage payment required- my escrow payment should be about {$610.00}, not the {$1000.00} demanded by USBank. I demand USBank meet the requirements of the mortgage agreement and align my escrow payments with the anticipated payments required for 2023. | ||||||
| 07/16/2020 | Yes |
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Web | Older American |
| I have been working on this issue for 7 years, you helped get some records from US Bank however they did not provide some very pertinent records that would corroborate their position that my father requested the XXXX Line of Credit be left open. What the provided CFPB with was the original LOC he signed in XXXX. US Bank did not provide the copy of a signed application for his XXXX LOC to be left open. I asked for a copy of the document. I asked because there was not such a document in his papers, I asked him if he asked for it to be left open and he said paid off. I can no longer ask him because he passed away XX/XX/XXXX at XXXX. The bank agent in Loss Prevention said the account is marked closed in the bank files with his XXXX LOC he opened to pay it off. However, the XXXX LOC was left open and XXXX went out of it and my dad was saddled with this debt by US Bank saying he asked it to be left open. It broke him, he spent his last years broke and paying every dime of his Social security to this unauthorized LOC. I became his care provider and had to pay his bills that he couldn't as well as my own. His SSN was deposited and then automatically debited by US Bank to pay his legitimate XXXX LOC as well as the fraudulent newly created XXXX LOC. He did not sign any application for his XXXX LOC to be left open and he did not get any funds from it. Yet it was debited out of his checking account and supposedly paid to a closed account every month until his death. I asked the XXXX Police Department to file a Fraud charge against US Bank, I have asked Legal Aid to help with this issue. I asked CFPB to get the copies of the original signed documents. You sent me what US Bank provided you but you were given what documents they had, You did not send me a document with my father 's signature asking for the XXXX Line of Credit to be left open after it was paid off in XXXX of XXXX. Please, ask the bank where the application or request is that they debited his account monthly. They did send the payment history for the account but it is based on the XXXX LOC he paid off in XXXX with the LOC he took out to do that exact payoff. Somebody took advantage and exploited an XXXX year old vulnerable senior citizen causing his quality of life to take a downward spiral. Thank you | ||||||
| 04/30/2020 | Yes |
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| On XX/XX/2020, {$3000.00} was taken out of my account and a bounced check fee was put on my account after someone else wrote a check from a different account ( they had a copy of the check ) paid to my name. It said they couldnt locate the account for that check so took the money out of my account ( no account number, birthday, or any information about me other than my name in the TO section of the check was present ). Someone other than me cashed the check and US Bank gave the {$3000.00} in cash to whoever cashed that check, and that person was not me. The signature on the back of the check is not my signature. When I noticed the money missing on XX/XX/2020, my local bank refused to set up an appointment, telling me to schedule one on the phone app. When I tried to schedule one on the app there were no available appointments for me to open new accounts. The fraud department at US Bank froze my accounts per my request and facilitated me opening new ones. When I asked if they had asked for ID before cashing that check I was told they couldnt tell me that and Id need to file a police report for authorities to ask any specific questions. I was told if the fraud department could release any information to police they eventually would and I could get my information from the police. I filled out all required paperwork and an affidavit and sent it to them on XX/XX/2020. On XX/XX/2020 I filed a police report with the sherif and called to check on the status of my claim. The fraud department at US Bank said they hadnt received the email or fax despite me receiving a fax confirmation. I was told to wait another day to see if it was received before they would open a claim. Someone wrote a check to someone else with the same name as me ( it wasnt my check or my account- it was a check written to someone with my first and last name ) and US Bank cashed it. Then when the check didnt clear they arbitrarily took {$3000.00} from my account despite that check having been cashed at a US Bank that wasnt my local bank ( they wont tell me what branch cashed it XXXX and Ive not gone out of town at all. On the date in question I purchased lunch where I live with my debit card using my PIN number showing I was physically in a different location than where the check was cashed. | ||||||
| 02/27/2023 | Yes |
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Web | Servicemember |
| On approximately XX/XX/ 2022, I deposited {$4000.00} into a U.S. Bank branch atm. The machine took an unusual amount of time to process the deposit, and after some time, returned my money and displayed an error message, that to the best of my recollection stated a foreign object was detected. The atm returned {$2700.00}, it kept {$1300.00}. I made this deposit in the evening. I went into the branch the next morning and opened a dispute with the branch manager. Since XXXX or XXXX, the bank has continued to deny my claim and their reason for denying my claim states " the requested amount ( {$1300.00} ) was dispensed. '' Could this bank be any more careless in investigating my dispute? I never requested {$1300.00}. I never requested any monies at all. I deposited {$4000.00}, the atm returned {$2700.00} due to an atm error, and kept {$1300.00}. How they arrived at the conclusion, time and time again that I requested {$1300.00} or even received {$1300.00} is beyond me. It shows they are not investigating my dispute at all. I've refiled this same dispute at least four times and I've received the same letter from us bank denying my claim for the same reason every time, despite the half dozen times I've called and talked with a U.S. Bank representative and explained to different customer service reps each time that I wasn't making a withdrawal, but a deposit. I requested to speak with a supervisor, I was never contacted by one, and the supervisor was always " busy ''. I requested the documentation used in the investigation, I only got the runaround. Of all the people I've talked to, and the different departments I was transferred to, no one has access to the documentation. It feels as if they purposely won't allow me to speak to a supervisor, or send the documentation used in their investigation of my dispute. These atms are checked every morning from what I understand. What's so hard about this? Clearly the atm had {$1300.00} in it unaccounted for. Then you see my dispute which was filed immediately the very next day with the branch where the atm is located. So from this point on, any energy I give to this incident will be in filing complaints with organizations that hopefully will take this claim seriously, and can help me reclaim the monies stolen from me. | ||||||
| 08/17/2022 | Yes |
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| I have purchased two vehicles from US Bank. The seller was XXXX XXXX in XXXX. Vermont. My wife and I purchased them together and we have outstanding credit and supported income. We have lived in the same house for five years. We leased a XXXX and turned it in when the lease was up. We also leased a XXXX XXXX pick up and the lease is now over. We attempted to purchase the vehicle. They contacted us and took our credit information. We took a hit on our credit score only to be told that our credit was good we are just got done paying off a 3 1/2 year lease perfectly with no missed payments. US Bank ran our credit score dropped as a result and they sent us a letter of denial saying that they could not determine our address. Our address is the same address that we have had with them for five years and two vehicles now they're telling us they can't verify our address. They have been to our house to inspect our first vehicle where it was sent back after the end of the lease. Now our second vehicle would either be sent back or purchased and as I said we decided to purchase. They're telling us now that we have to pay cash in full for the car but we wanted to finance the car which is one of the options they offer but again like I said they declined us in writing stating that our home address couldn't be verified. We have been getting mail at the same location for five years regarding both of our vehicles by them. This is terrible. It seems like a scam. I'm not sure what to do. Obviously I'm looking for another vehicle and I had to release this one for an extra two months. I'm filing a complaint with the consumer financial protection program about the treatment that I received from this banking institution by pulling my credit and my wife 's taking a hit with the credit and then being declined which is outrageous. We have very high credit scores and the appropriate money to show. I think someone there just did not like us they were rude on the phone when they were taking the credit application and then they hung up on us so I suspect that's what's going on with this decline. They can not treat consumers like this and they also can not run consumers credit having it meet all the criteria 's and then still declining us because they have a personal issue. XXXX XXXX | ||||||
| 07/03/2017 | Yes |
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Web | Older American |
| On XX/XX/XXXX I received an email alert from US Bank to notify me that the USPS had initiated an address change with their company. The alert contained the following message. " If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX. US BANKS ( XXXX ). '' Since I did not initiate this action, I called US Bank at the number provided. No account numbers were included in the email. I have multiple accounts with US Bank. The CS person at US Bank gave me the ridiculous excuse that they had written a new program within the bank, and that every account holder with their bank had received the same notice. Another person said that my accounts had been compromised and sent me new credit card numbers and cards for my accounts. Another person said that the USPS is always changing the last four digits of my Zip Code, and this is probably what happened. I asked the US Bank CS person what that change was, and he said he could not give me that information. He said the bank does not always know what the address change is, but it is changed. According to the Postmaster, XXXX, at XXXX USPS ( the branch office handling my mail ), XX/XX/XXXXSince I can view all alerts issued for my accounts, I checked the alert history. An address change alert had NOT t been issued for my account. On XX/XX/XXXX I received an informed delivery email from USPS indicating that I could expect to receive a piece of first class mail from US Bank. That mail again was a notice that the USPS had notified US BANK that there was a change in my address.The first class postcard contained this message. " If you did not initiate a change with the USPS, please contact us immediately at XXXX ( XXXX ) for consumer accounts ... '' I have not moved, nor have I initiated a change of address notification with USPS. I have previously in XX/XX/XXXX been a victim of identity theft. It is very distressing to be repeatedly notified by MY BANK that USPS is changing my address, when USPS denies that they have done so. There is a piece of mail today XXXX/XXXX/XXXX that I should have received from USPS that is from US BANK. Unfortunately my mail carrier gave that mail to another resident of XXXX, IN, and I do not know who now has further information about my accounts. | ||||||
| 06/02/2017 | Yes |
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Web | Servicemember |
| My brother suffered a massive XXXX on XXXX/XXXX/XXXX. His ex-wife added herself to his checking account without consent from him. I am his sister and I became POA on XXXX/XXXX/XXXX. As I was going over all his financial and personal business, I discovered she had spent from his checking account {$140000.00} over a three year period. I visited the branch on XXXX XXXX where the branch manager name is XXXX XXXX. Once he gave me a copy of all the transactions, I questioned the transactions and he responded I need to get an attorney. I did XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorney at Law. XXXX XXXX sent several inquiries with no result. I then contacted XXXX XXXX, the President of US Bank, on XXXX/XXXX/XXXX. He sent me a text to my cell phone to let me know " the situation is being investigated and we have turned over items to your attorney. I can check but not sure what all I can do locally its now in hands of your attorney and our legal ''. As of date, I nor my attorney have received such information. My brother has served 25 years in the XXXX and he entrusted US Bank with his retirement funds. He has been in a XXXX home for 3.5 years, and I just purchased him a home in XXXX Indiana. He needs his money now so he can try to live a normal life once again. What I want US Bank to do is put in writing how they protected my brother 's checking account according to their US Bank Protects listed below : U.S. Bank Protects You Your protection is the highest priority for us. Our state-of-the-art tools and monitoring system ensure your identityis safe. Verification : when you change an address, for example, we request specific information about you to verify your identity before making any changes. Account monitoring : irregular account activity ( check orders, address changes, heavy withdrawals ) prompts a phone call for confirmation. Fraud detection : we have account-monitoring tools that recognize ID theft. We regularly receive information about known fraudulent addresses and phone numbers, and we compare them to new account requests and account changes. Communication : we contact you regarding any suspicious activity associated with your U.S.Bank account ( s ) I will forward all my correspondence upon request as there are too many to upload. Thank you | ||||||
| 09/22/2016 | Yes |
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| I logged into my US Bank checking account in the morning, saw pending transactions that required a deposit. I made that deposit, yet the next day an additional transaction was posted that still caused my account to be overdrawn. Because that unseen transaction was processed first, instead of last, US Bank was able to charge me an overdraft. The next day, I follow the same process and make a deposit to cover all pending transactions. Sometime well after I logged in, the overdraft from the previous day is posted to my account, again allowing US Bank to charge me an additional overdraft charge. My concern is two-fold. 1. US Bank is intentionally processing transactions in an order that allows them to charge overdraft fees, instead of in an order that is best for their customers. 2. US Bank is not posting their actual overdraft fees until late in the day, after most people have checked their account for the day. This approach allows them to then catch customers with minimal funds with not enough cash to cover that days pending transactions, because of the overdraft fee is processed before any of the pending transactions. Had the overdraft fee showed in the morning, I could have ensured enough funds were in the account to cover that as well. Lastly, and maybe most frustratingly, I spoke to XXXX ( employee ID XXXX ) at XXXX XXXX, who when we could n't come to an agreement, refused to escalate my call. He insisted that US Bank did have an escalation line. Then refused to transfer me there, saying they were n't open. When I asked why, he said due to call volume. At that point, I asked for the phone number, so I could call back later and he said that they would not be available at all that day. I asked why, and he refused to tell me. I then asked to be escalated to the next level manager and he also refused to do so. So, XXXX gave me no opportunity to escalate at any time. Either US Bank does not have the appropriate escalation options for their customers, or this employee denied my request to speak to them. He did state that the calls are recorded, so this should be easy to find and review. I was not abusive and did not yell, but I was frustrated and hope this can be addressed. I would appreciate receiving a call from a US Bank representative if possible. | ||||||
| 01/16/2020 | Yes |
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| On Friday XX/XX/XXXX, between the hours of XXXX I went to the US Bank ( XXXX XXXX XXXX XXXX XXXX, KS XXXX United States ) and deposited {$970.00} cash into my savings account. A week later when I checked my mobile bank app to look at my funds I noticed the {$970.00} that I deposited never actually showed up in my account. It never showed up in either my checkings or savings account. I immediately went to the bank and gave them all my information to pass on to the bank manager, who was going to contact me later. After a few days of the manager not contacting me I called again and the branch manager said he was never given any of that information and he was going to go ahead and look into it for me and hed call me back within 3 days. After 5 days I called and spoke to another manager who said she would look into it. After another few days past with no calls I tried repeatedly calling the branch without hearing from anyone. 3 weeks later ( after the initial deposit on the XXXX ) I went up to the bank to talk to the branch manager in person. He informed me he forgot to call me but that he did look into the day in question ( Friday XX/XX/XXXX ) and saw that there were no transactions for any of the tellers for the amount in question ( {$970.00} ). At this point I asked if he could check the security footage and to that he said he didnt have access and hed have to put in a request and that it probably wouldnt help because they dont know what I look like. I then said Id like to file a complaint and he said to file a complaint about lost money Id need the receipt, and of course I dont have the receipt and if I did I wouldnt be having this problem. My concern is, that if the branch manager did actually look into all of the transactions on XX/XX/XXXX and there were none for the amount of {$970.00}, then someone must have done something with my money. At this point I am tired of dealing with the branch manager because he doesnt seem to be that interested in helping me and repeatedly questions me on whether I have the date correct or if I have the branch correct. There is no doubt in my mind that it was that exact day and that exact branch. Either the manager never actually looked into it, or somebody walked away with my money without putting it into the system. | ||||||
| 03/13/2017 | Yes |
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| My son and I are trying to purchase a home in XXXX, XXXX through US Bank. OUTSTANDING JUDGMENT During the loan approval process I was informed of an outstanding judgment of {$1500.00} by XXXX ( initiated on XX/XX/XXXX ) in Maryland. I provided a copy of the check ( XXXX ) in the amount of {$3100.00} and the XXXX certified receipt showing receipt of the check by XXXX on XX/XX/XXXX. The total amount included both mine and my ex-husband 's share total payment. My ex-husband refused to pay his share of the judgment, so I paid the entire amount. However, my portion of the judgment was not credited and the lien remains. I conjecture one of two things happened : ( 1 ) XXXX never notified the State of MD of the payment or ( 2 ) The State of Maryland did not process my share of the payment to the claim against me. The loan is being denied until I can resolve the matter. I have contacted the Circuit Court of Maryland for XXXX and the State Ombudsman, but have had no response. REQUEST FOR FINANCIAL INFORMATION ON EX-HUSBAND During the course of the application process, US Bank ( the loan originator ) has requested addition information about me and my financial situation. The last request required me to provide information on my ex-husband 's current financial situation. I have no information on his truck loan at XXXX, his credit card purchases, his personal loans, etc. The divorce was final on XX/XX/XXXX, property was divided, and neither I nor my ex-husband were responsible for each other 's debts or had access to each other 's assets. I fail to see the need for this information. My ex-husband is not involved in the home purchase ; the co-owner of the property is my son. My ex-husband has not provided funds for the earnest money, inspection, or any associated fees. He will not be responsible for the down payment, taxes, insurance, or monthly payments on the property. He will not be responsible for property maintenance. I see this requirement for financial information on my ex-husband as either obstruction to prevent loan closure or harassment. I increasingly believe my age ( I am XXXX years old ) is behind a large part of this nonsense. My only other understanding of this latter request is incompetence on the part of the credit agency employed by US Bank. | ||||||
| 06/07/2016 | Yes |
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| I have a loan with US Bank and refinanced and closed on XXXX/XXXX/XXXX. The appraisal for the XX/XX/XXXX refinance was {$380000.00}. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On XXXX/XXXX/XXXX, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on XX/XX/XXXX per the current market was over {$500000.00} and my loan balance was {$310000.00}. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for {$150.00} such that my new LTV was based on current market. She gave me a fax number and email to submit my request to. Upon submitting my request I received a canned text letter back stating the LTV must be XXXX % of original loan value and that HUD does not take into consideration current market value of property. That it 's based solely on the information from closing ( which would be the XX/XX/XXXX old appraisal amount of $ XXXX ). I let the issue go then recently logged into my account and noted that I am now well below the LTV they previously indicated I needed to be to have the PMI removed. Do you think they went ahead and proactively removed it!? NO, of course not. I placed another call and the representative I spoke with again mentioned and questioned why I had n't paid the {$150.00} for an updated appraisal. He said he would contact the PMI department, have them send me a packet in the mail and that I should review the packet and see if I can find anything related to the appraisal option. So I waited for the packet to arrive ... Instead of a " packet '' arriving what I did receive was a XXXX page letter indicating that I 'd met the HUD requirements for terminating the monthly MIP and that they 'd notify HUD and update my monthly payment amount. I would like to be reimbursed for all months they charged me MIP from XXXX/XXXX/XXXX to todays date. It was I that proactively reached out to them several times requesting for it to be removed yet they A. ) did n't give me the appraisal option such that the value was based on current market - as they apparently have for other customers and B. ) continued to charge me the last few months for MIP when I was already at the level they outlined in their letters. | ||||||
| 07/16/2017 | Yes |
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| I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON XXXX XXXX FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $ XXXX .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED XXXX XXXX IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $ XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME. I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE. I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS. I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP. THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}. THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS. I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $ XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK. THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT. THANK YOU. | ||||||
| 01/17/2024 | Yes |
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| Subject : Request for Resolution Regarding Reporting of Canceled Debt and Form 1099-C Dear ELAN FINANCIAL SERVICE , I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As governed by the Internal Revenue Code ( IRC ) Section 6050P, I, XXXX XXXX XXXX XXXX, had explicitly requested the issuance of Form 1099-C for the charged-off account. In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. Despite this request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. It has come to my attention that, by law and per the IRS, once a debt has been canceled, and a Form 1099-C has been issued, the credit report should no longer show a remaining balance due. The status of the account should be updated to reflect that it is no longer in a charged-off status, indicating that the debt has been canceled or resolved. Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness. IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy. IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable. Despite my clear request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. The reporting inaccuracies have the potential to impact my ability to accurately report canceled debt on my income tax return. As of the current date, the issues remain unresolved. I appreciate the opportunity to provide this information as part of the complaint process. If further details or clarification are needed, please feel free to contact me at XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, SSN : XXXX, XXXX : XX/XX/year>, XXXX. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 09/11/2020 | Yes |
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| I've had an account with US Bank Reliacard, properly activated the debit card and used for many months. My transaction activity has not changed. On XX/XX/20 I transfered {$1600.00} on line to my XXXX XXXX account which was accepted/confirmed by US Bank Reliacard. The money was removed from my account and never deposited to transferred destination now going on 11 days. On XX/XX/20 I called and told to wait a few more days. On XX/XX/20 I was told the account was deactivated days after the transfer for reasons being the bank experiencing a multitude of fraudulent activity on many accounts. I asked if my account was compromised and told no. But, that my account was deactivated until ID verified. There was no documented or activity reason to deactivate my account and take my money. US Bank never sent email alerts, publications or mail notice of this issue. The bank simply removed my money from my account and deactivated my account after accepting my transfer transaction. The banks representatives could not confirm where my money is currently and why it was not returned to my account and/or transfer completed. I was given a fax number to send my drivers license to confirm my identity which the bank will take an additional week to process then return my money to my account after that process. I verified and confirmed with US Bank Reliacard my most recent transactions, address and phone number as ID verification. I informed them of the hardship they are causing me by deactivating my account, taking my money and not notifying me. I have to feed my family and pay bills, it is a struggle during the Covid-19 pandemic and they are making this a more difficult situation. The 2 fax numbers I was given to send my drivers license fail, disconnect or constantly busy, I can't get through. There is no US Bank in the state of PA to travel to and resolve. The representatives do not connect me to a supervisor/manager. My calls with the representatives are constantly disconnected after a call wait time of 1 hour. There is no ground reason to deactivate my account and take my money from it also with-out alert. I called the bank multiple times XX/XX/20 @ XXXX and XX/XX/20 @ XXXX, XXXX, XXXX and twice more. Please assist me with this matter. I most appriciate it. Thank you | ||||||
| 07/05/2023 | Yes |
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| Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account which I believe has not been honored by the bank. In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The promotion stated that I would receive a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. Relying on this promise, I ensured to fulfill the necessary condition and maintained the stipulated amount for the required period. When I initiated the process of opening the account in late XXXX, the agent handling my application stated that the promotion was scheduled to end by XXXX end. However, my account opening process was delayed until XXXX due to the bank requesting additional documents, which I had to send via fax. Upon contacting the bank in XXXX to inquire about the promised bonus, I was informed that the promotional code had already expired at the time of my application. I believe this is a clear case of misleading communication as the delay in opening the account was due to the bank 's requirements, and the expiration of the promotional offer was never communicated to me during the account opening process. Moreover, the bank continues to advertise similar offers on their website, indicating a long-term promotional practice. This makes the 'expiration ' excuse questionable and gives me a strong impression of fraudulent and deceptive business behavior. In light of the aforementioned circumstances, I kindly request that the CFPB investigates this matter. I hope to ensure that the promised {$500.00} bonus, which played a significant role in my decision to open an account with US Bank, is credited to my account as initially advertised. As a consumer, it is crucial to me that businesses honor their commitments and promotions, especially when these promotions are instrumental in influencing decisions about where and how to conduct financial activities. Thank you for taking the time to review this complaint. I trust that the CFPB will do its utmost to protect the rights and interests of consumers like myself. | ||||||
| 07/21/2019 | Yes |
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| 1. On XX/XX/XXXX I received a new XXXX card issued by Elan Financial services and immediately upon receipt called the number on the sticker ( XXXX ) to activate the new card. I have the records from my phone company ( XXXX ) confirming that the call was made to that exact number at XXXX on XX/XX/XXXX. 2. Having dialed the number, I was transferred to a human operator who began by asking questions, allegedly to verify my identity. I ended up providing my credit card details, my name, my address and the phone number to that individual. 3. This individual then requested that I should agree to a promotional deal whereby I would be paying a fixed amount ( {$24.00} ) for ID protection services and explained that only upon my consent to this deal would he activate my credit card. 4. After a few minutes, I realized that I had fallen victim to a fraud and recorded a portion of the conversation on a portable tape recorder. This recording is still in my possession. 5. I requested that all of my personal data be erased from their systems, at which time the call dropped. 6. Subsequently, I called Elan using the number on the back of my credit card and requested that the card be cancelled and that the new one be issued. 7. I also filed a security report, which was confirmed by XXXX, employee ID # XXXX. 8. Following my conversation with Elan, I did some research and found that I was not the first victim of the aforementioned scam and that a similar report had already been filed by another customer in XXXX. See XXXX XXXX XXXXXXXX. 9. While the exact mechanics of how an outgoing call could have been spoofed are not clear, one option that could explain it is that your call center IP hub was hacked. 10. Let me emphasize that what happened to me could turn into a wide-scale security breach for Elan and potentially other financial institutions as well. 11. Sadly, after speaking with Elan employees I got the impression that neither of them fully comprehended the gravity of the problem and its potential implications. 12. I expect Elan to investigate this incident fully and report the results to the public. Should such action not be taken, I reserve the right to report this incident to the Department of Financial Institutions in my state and/or to the media. | ||||||
| 08/24/2023 | Yes |
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| US Bank, my mortgage lender, assessed me a late fee of {$75.00} for a " missed payment '' even though my mortgage payment was made and on time. My mortgage payment was a set amount then US Bank raised my escrow amount to be collected monthly by {$57.00} on XXXX of this year ( the 2nd time in a year ). They claim a letter was sent out to me explaining the increase but I never received it. I live in XXXX and am lucky I receive any mail at all. I had this very same issue happen twice before over the years with US Bank when they changed my monthly payments to reflect an increase in escrows collected. In those cases it was the same circumstances, my monthly payments were made on time but short of the amount of the new escrows increases. Those increases were less than {$100.00} each time. They did reverse those late fees then but will not now do so now due to " policy '' per XXXX, who claimed to be management in their mortgage department in XXXX XXXX, Missouri. She explained that they sent a letter explaining the increase and wouldn't budge on reversing the late fee. My payment was on time, but did not have the additional {$57.00} added to it. They accepted my payments then didn't apply it to my account. They say the payment is incomplete and and as result, none the money sent is applied as a payment. Instead of notifying me by alternate means of the escrow changes and of the increase to monthly payments, they impose fees first and notify you that you owe late fees. No effort to contact their customers that perhaps their customers didn't receive notice, they just impose late fees instead. Obviously if a customer is paying their mortgage payments on time and at a set amount then suddenly aren't making the new adjusted payments, they didn't receive notice of the changes. To add injury to insult, I inadvertently made a double payment and instead of applying those extra funds to the short payment, they took those extra funds and applied them as payment to the principal balance. I made a double payment and am now being charged a late fee, how ridiculous. These policies and practices need to be stopped! It's predatory and unfair. I intend to take my future business elsewhere. If cost effective, I intend to get this mortgage taken over by another lender. | ||||||
| 01/24/2018 | Yes |
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| I do not remember when I have opened my XXXX XXXX account in response to an advertisement or so. Since then I barely received professional business services or practice. So, I have requested to close the account few times. They have not closed it. Then, I stopped using it. Still they sent me new card before the renewal. I dumped them. I again received them in the mail following year. This time I did not destroy them, but did not use them. Same or following year, I used it. Again, same problem and customer service is basically a customer harassment service. Nothing works to fix their errors nor do they understand simple math. So I asked again to close the account and destroyed the cards. I did not follow up after that. Two years or one and a half, they sent visa card, this time this was some of XXXX subsidiary or small contractor. I do not have any idea, who applied for the XXXX card. The Old account is gone and I was needed to create a new account. I started using the card, about 4/5 months earlier, I received a statement showing I have interest for $ 3- {$4.00}, I did not pay them but asked why there were interest. Few days later I received an on-line response, saying I did not pay my balance in full. THIS CLAIM IS TOTALLY FALSE. I do not carry any balance, ever, and that applies to all of my credit cards! regardless the balance is {$1500.00} or {$15000.00} I have never carried balance. I always pay the balance in full. I asked for proof, no response. I then asked to close my account in writing, as attached. But no action. I the meant time that interest must have grown to 3/4 folds. I clearly declared that I am not responsible for any charges if the account is not closed. I have written to XXXX XXXX on XXXX18, but no action besides leaving a voice mail to call someone. If I call, after waiting for a while I have to listen to their lies. Also, I can not keep a document of what they are saying. But they would not respond in writing because their lies will be exposed. I have repeatedly asked them to close my account, please see attached. They did not close my account. I have asked for proof, no response. I have investment accounts with fidelity, I am removing them as they are no longer trusted and involved in improper business practice | ||||||
| 08/25/2018 | Yes |
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| On XXXX via telephone, I requested XXXX XXXX XXXX to decrease my finance rate noted on my XX/XX/XXXX statement to be 14.24 %, I spoke with rep named XXXX and informed that I have good credit score, never late, never over balance and have other credit cards with finance rate as low as 9.99 %. XXXX did decrease to 7.99 % finance rate until " XX/XX/XXXX '' with confirmation # XXXX. After that time, XXXX said that I could call back to get my finance rate decreased again. Per my XX/XX/XXXX statement, my finance charge is now 14.74 %, which is an increase from what it was back in XX/XX/XXXX. On XXXX via telephone and after a hold time of 27 minutes, I requested that XXXX decrease my finance rate again. The rep, XXXX, said that they can decrease only to 12.99 %. I asked why the finance rate increased even MORE than it had been before my first request to decrease it and she said " there was a federal Prime Rate increase. '' She could not tell me the amount of the Prime Rate increase. I explained that I have a very good credit score, never pay late, pay more than minimum each month and have never gone over my balance amount AND have other credit cards with lower finance rates as low as 9.99 % that have NOT had an increase in finance charge. I check transactions each week and statements each month for every account that I have. My complaint is that it appears that XXXX is taking advantage/capitalizing on and penalizing of those with good credit scores and payment history by applying less than fair finance rates, knowing that a consumer will not close an account as this could negatively impact their credit score. I have a " very good '' credit score per XXXX > XXXX, with " exceptional '' payment history and " good '' debt. The XXXX rep said that the best she could do was decrease my finance rate to 12.99 %, and when I asked she answered that this was effective immediately and only until XXXX. It seems that XXXX has deviant or perhaps even unethical practices ( increasing credit scores to whatever they want and without sending the consumer official notice ) with taking advantage of those with good or exceptional payment history and very good credit scores knowing that they will not close their account as that could cause a negative impact on credit score. | ||||||
| 08/21/2018 | Yes |
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| I made a purchase on XX/XX/XXXX for a subscription of one-month access to the online question bank from XXXX XXXX ( XXXX ) for an upcoming test. The charge was {$190.00}. The question bank they had was no way even close to the actual test I took. It was a scam and other people who used them complained about the same issue online. I submitted a dispute with my credit card company but the credit card company said that I didn't follow the merchant 's refund guideline so the merchant can not be contacted regarding this matter, after I submitted all the paperwork required for dispute ( submitted late but phoned the credit card to explain why I was late and got the reply as above ). The merchant 's refund guideline was either you never started using their question bank or you finished the 2000 questions they have in their question bank AND still could not pass the test. I passed the test eventually. The whole test cost {$1000.00}. therefore, there was no way that I could have finished the 2000 questions before my test date. Because I clearly knew, after the first 100 questions, there was no point continuing using those questions because they were in no way similar to the actual test. It would be a waste of my time to do any more of those. I filed a complaint with cfpb on XX/XX/XXXX. Fidelity responded by a letter stating that they had sent me the paperwork to fill in XXXX but I was late submitting my paperwork. I was indeed late by about 2 weeks. But after submitting the paperwork, I phoned Fidelity and explained why I was late. Another thing they mentioned was that I didn't contact the merchant to cancel. The merchant website DOES NOT have a phone number on it for me to cancel via phone. So fidelity gave me a phone number to call after they reviewed my complaint from CFPB. But, I still could not find anyone to speak with on the phone. I left the merchant a VM. Also I phoned fidelity 's rep XXXX back and left her a VM telling her that I could not find anyone from the merchant to cancel this subscription with. Without any response, Fidelity closed my case. They didn't even try to resolve my issue. They must have brushed it off irresponsibly. This website is a SCAM and they are not doing their part as a credit card company to protect consumers. | ||||||
| 12/23/2017 | Yes |
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Web | Older American |
| In XX/XX/XXXX my loan was transferred to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. My loan was with XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX never mentioned XXXX XXXX XXXX XXXX to me in XX/XX/XXXX when I inquired. I told them that I am a victim of identity theft/fraud. XXXX XXXX XXXX sent me a detailed explanation of the transfer. XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX is a division of XXXX XXXX XXXX. Their corporate office that is located in XXXX Texas. I was given a detailed explanation. Also I have a copy of my Deed of Trust from XXXX XXXX. It was added to the XXXX County register office XX/XX/XXXX. The number is XXXX. I paid that loan off, the amount of the loan was {$11000.00}. XXXX XXXX XXXX did not report this to XXXX XXXX XXXX XXXX when they transferred the loan. The original parcel property tax number is XXXX. This was recorded in XXXX County register office. Lot XXXX, plat book 64 page 33. I purchased the property from XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX Tennessee XXXX. The parcel property tax have been changed. XXXX XXXX Paid taxes on the property and did n't report to IRS. XXXX XXXX XXXX XXXX XXXX paid property taxes on the property and did n't report to IRS. Yet my personal information was being used fraudulently for years. All of these things were being done while I was under wage earner. Government documents were being tampered with by person/persons unknown without my knowledge. Yet XXXX XXXX XXXX XXXX took my home with the help of Attorney XXXX XXXX in XXXX TN. XXXX XXXX XXXX did not notify me of my loan being transferred. I just learned of this XX/XX/XXXX. I was given a detailed explanation of transfers. All three were internal transfers. From XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. The same loan number was used. Three different Federal Identification numbers was used to report to IRS. I never would have known if it was n't for Consumer Financial Protection Buearu. My mail was being stolen through United States Postal Service for years without my knowledge. If XXXX XXXX XXXX mailed this information to me. The Bank sent this information to me upon request in XX/XX/XXXX. | ||||||
| 02/19/2023 | Yes |
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Web | Older American |
| On XX/XX/XXXX I deposited a pay check for {$4900.00} in the ATM of US Bank XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Twice a month my paycheck was directly deposited to this same account for 1.5 years. I received a letter from US Bank dated XX/XX/XXXX stating the check was on hold because there was reason to believe the check would not be paid. I called the US Bank customer service and fraud dept. and the representatives repeatedly explained to me they could not give me any specific details. On XX/XX/XXXX I received a second letter stating that US Bank was closing my account for suspected irregular activity. The funds that were in my account before the pay check was deposited were not available for me to withdraw. I continued to call US Bank customer service and fraud departments and was given the same response each time that no details were available explaining why may account was closing. On XX/XX/XXXX I received a letter stating that my US Bank checking account was closed and I would receive an official check for the credit. I did receive a check for {$250.00} dated XX/XX/XXXX. I called my local branch and was told by the branch manager there was nothing she could do and there was no notes with details on my account. I did email and speak with the employer who issued the check on XX/XX/XXXX and they informed me the check had been deducted from their bank account. I filed a claim with the CA XXXX XXXX regarding the final pay check owed to me. I had a meeting with the CA XXXX XXXX on XX/XX/XXXX and was instructed to obtain a letter from US Bank specifically stating why the funds were not deposited into my checking account. I called US Bank fraud dept. on XX/XX/XXXX and and spoke with my local branch manager and was told the funds were put in a holding account on XX/XX/XXXX. I asked why I was not notified or sent a check for the money owed to me from over a year ago. My account was closed after the money was put on hold in my name. But, when I called multiple times after XX/XX/XXXX no representative from US Bank would give me any details regarding the funds I deposited or why my check account was closed. The branch manager explained to me she was waiting for the funds on hold to be transferred to her bank and she would mail me a cashiers check. | ||||||
| 08/09/2017 | Yes |
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| My dad left me an IRA upon his death at US Bank and one at Edward Jones. I spoke with US Bank and on a number of occasions and told them I wanted it rolled over into the IRA at Edward Jones. Because my dad 's name is still on this account, according to Edward Jones, that is possible. US Bank would not do a transfer, they said something about it being too complicated and it would be easier to send me a check. I told them I did n't want to get taxed on it and if we did it this way, would I be able to roll it over into this other IRA at Edward Jones and they said yes, I would have 30 days to do so. They wrote the check out to me, I deposited it and went in to Edward Jones to write them a check, but they told me the check from US Bank had to be made out to me and to Edward Jones in order for it to roll over. Now, when I normally get tax money back from the government, I have to pay {$2900.00} in taxes because this approx. {$12000.00} in IRA money got taxed since I could n't roll it over. I called US Bank wanting to send them the money back so they could re-issue the check correctly, but I was told by my tax preparer that US Bank ca n't do that. I think they should have to pay my taxes since I made it clear to them I wanted to roll it over they clearly handled it the wrong way. When I call US Bank, I keep getting referred to the woman who told me wrong in the first place ( XXXX XXXX XXXX ). Does she not have a supervisor I can talk to? I know in filing a complaint, US Bank may contact me, but at this point, I really do n't want to talk to them. All the evidence needed should be in the notes of my phone calls to them and in the recordings of the actual calls. My contact with them first started in XXXX or XXXX of 2016. They told my sister the same thing with her portion of the IRA, but her other investing company caught the error before she deposited her check so after a number of phone calls and forms, US Bank finally re-issued her a check made out to her and to her other investing company. US Bank is saying that because I deposited my check, there is n't anything they can do and I 'm the one who signed saying I wanted the check. I signed it because they told me that is what I had to do to get it rolled over into this other IRA at Edward Jones. | ||||||
| 09/13/2023 | Yes |
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| I submitted a claim for {$2700.00} for a transaction where I didn't receive what was ordered.I was issued a temporary credit for the claim. I sent the paper work back and my claims rep closed my claim stating it was submitted under the wrong reasoning. I called and spoke to my claims rep and clarified that I didn't pick the reason, that I just explained the situation to customer service and they picked the reason. The claims rep advised that she would reopen my claim and reissue the temporary credit but she needed to wait because she had already submitted for the temporary credit to be reversed. Weeks pass and nothing happens. I called in and submitted a call back request. Nothing happened, so I called in again and another call back request was submitted. Finally, I got a call back saying the rep left and could not be located, my claim was being reopened and the temporary credit reapplied. The rep only applied part of my claim which was {$2500.00}. I called in to talk to another rep and advised that the {$200.00} was forgotten and she said I'll just add it to your claim. I received notification that the {$2500.00} was approved and closed out. Weeks passed nothing happened with the {$200.00}, so I called in because I went to pay my mortgage and I noticed that my checking account was closed for being negative the {$200.00}. I called in and submitted an escalation, and someone started calling me stating they need more information. For 3 weeks, I played phone tag with the rep calling me, until I asked for a manager to call me. I received a call from XXXX who leaves me a voicemail message. I called him back and he tells me that they don't actually need anymore information that it was already in my account. I ask if my checking account will be reopened and he says he doesn't know that when they issue the {$200.00} that it may force the account open or they will issue a check. Today I received a check for {$18.00} cents, nobody has apologized, I have not received confirmation that the negative checking account was resolved and that I am not on check systems nothing. I am just really upset with how my account was handled and how nothing was done, to rectify their error and now I am with out the checking account I use to pay my mortgage payments. | ||||||
| 11/23/2022 | Yes |
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| I canceled/closed my XXXX account ( checking, investing etc. ) XX/XX/XXXX, proceeding with the following steps and actions instructed on the site. These instructions were concise and pointily. I didn't think I would have any issues or occurrences until the following month XX/XX/XXXX, I received my first charge since the withdrawal and closure of my accounts. I proceeded to contact this company in their chat because I could not get through via phone line. The communication was that I had one feature turned on inside the app which wasn't simply didn't make sense, but I repeated the steps again and ask for a refund. Afterwards, everything appeared to be resolved, I deleted the app. I believe this was XXXX XXXX, I noticed a reoccurring charge on my account of maybe {$3.00}, charging my account. It was so small I hadn't even noticed it until I happened to do a deep dive of my spending for this particular month. I contacted XXXX via phone and ask for a refund. They didn't believe my charges and ask for me to send them an email, but I couldn't understand this because THEY are charging ME. I didn't want to expose my personal account. However, after some research I willing to send documents over to you all. They shortchanged me and refunded me the minimum. I had assumed at this point everything was resolved but no! This was wild! XXXX is still stealing money from me. I was still getting charged after about maybe 30-45 days later and again, I did not notice because the increments are so small. As soon as I discovered it this time, I am frustrated and consulted with a lawyer friend about my options. I had to pay to stop all FUTURE XXXX payments. Unfortunately for me, this is not a free service at my bank. To put simply, I feel taken advantage of as a consumer and anyone who has partner up with this company withdrawing funds from my accounts ... shame on you. I took every proper step. I can only imagine how many others this company is embezzling ( alleged ) money from by doing this. It is especially not okay for everyday worker. Not only was my mental affected by this, but my finances being also tipped to go negative causing over drafts. My emotional being was attacked because were only trying to do our best and it just wasn't good enough! | ||||||
| 11/12/2021 | Yes |
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Web | Servicemember |
| I collect unemployment from XXXX. From XX/XX/XXXX to XX/XX/XXXX my US Bank ReliaCard was compromised for over {$12000.00} I contacted the bank and they opened a fraud investigation in XX/XX/XXXX I didnt get a results back until XX/XX/XXXX and they said they denied it I re-opened it up and they denied it again on XX/XX/XXXX I submitted paperwork stating every transaction that was fraud from XXXX to XX/XX/XXXX that sent me a print out of all my transactions and asked me to outline them and explain which was for fraud and so I did they credited my card {$1400.00} from them from the charges from the month of XX/XX/XXXX you can look at my charges and its very clear that they are fraud its the same companies over and over again making multiple multiple transactions I called today XX/XX/XXXX and talk to the supervisor in the fraud department at XXXX ReliaCard and she informed me that they had found that my case was not fraud I would not lie about this I can go to federal prison I feel like Im being totally cheated out of money because they dont wan na pay me I dont know what to do I have followed all the proper steps Ive submitted all the proper paperwork and I also called 13 vendors that were on my print out which is not even a fourth of them and they told me they did not know why I was calling them because that was not my job but they did look and tell me that they had no paperwork from US Bank ReliaCard stating anything about me so how can I find that my case is fraud if they didnt even investigate it. This is been a year now been fighting this and I still get the same answer they dont see any fraud in it but they havent even investigated it is just called me financial burden XXXX XXXX and major XXXX now if you can give me back {$1400.00} for the month of XXXX which is not all the charges obviously this is a fraud on my account I have called and reported every time I transactions with you that I did not authorize please help me I need my money this is absolutely ridiculous I dont wan na have to pay a federal lawyer I know one but he charges over {$500.00} an hour and I dont have the money to do it so please help me my name is XXXX XXXX my XXXX XXXX is XXXX or XXXX please help me I need your help the number to U.S. Bank ReliaCard XXXX XXXX | ||||||
| 10/03/2019 | Yes |
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| Tried to get a home mortgage through XXXX XXXX XXXX. Got approved for the first loan and was denied the second loan for {$97000.00} from a lender in NY. Spoke with representative at US Bank he told me that he could get the deal done for me and started working on the loan XX/XX/XXXX. He said we would close on XX/XX/XXXX. XX/XX/XXXX : not closed yet and said we would definitely have it closed this day. I told him that I was going out of town to Idaho on the XXXX. He said we would have it closed by the XXXX. XX/XX/XXXX : called me almost every day on my father 's day vacation with my dad XX/XX/XXXX : text message from employee and I quote " How lucky are you feeling : ) '' " We have your deal worked out. '' My reply : " Cool. Any idea how long it will take to get paper work to title? '' Because of his text I released the {$4000.00} earnest money to the seller He did not respond to my text. My follow up to him " tried to call his assistant, sent to voicemail. Call me or text me if you can. '' XX/XX/XXXX : Me " what's the word? '' Him : no response, no response to my email or phone call either. XX/XX/XXXX : I text him and said " I need your managers contact information please, Thanks. '' All he replied was her name and phone number. I spoke with her and she told me that she doesn't know why he would say the things he did because there was no way that I would be approved for the loan due to debt to income ratio. I told her I should be compensated for moving 4 times due to his promises and reimbursed the earnest money. She said no. Total I feel should be paid to me by him or US Bank {$4000.00} earnest money {$690.00} for the movers out of the original apartment end of XX/XX/XXXX and into storage unit {$1100.00} for XX/XX/XXXX-XX/XX/XXXX using demo apartment because no others were available {$1200.00} for the new apartment while waiting for approval XX/XX/XXXX-XX/XX/XXXX {$700.00} for having to move again into a demo apartment XX/XX/XXXX-XX/XX/XXXX {$110.00} for extra storage unit x2 months {$230.00} Total {$7900.00} Not only was I constantly lied to, but my pregnant wife and I were taking his word, which ultimately was a lie and cost us not only money but time and stress and ultimately a miscarriage No action was taken by the company | ||||||
| 09/22/2017 | Yes |
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| Hi there, I am an international student holding a student " XXXX XXXX XXXX. I opened a checking account with US bank in XXXX when there was a promotion. I told them that I am an international student and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. Then, in XXXX. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all. Then I went back to the branch where I opened my account, twice, the only answer I got there was " We have done nothing wrong ''. They refused to listen anything. Each time, they said they would call me back the next day with a solution, However, I have never heard anything from them. According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.SXXXX ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a foreign student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX XXXX XXXX XXXX XXXX, XXXX. And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen. | ||||||
| 09/14/2023 | Yes |
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| I had requested an itemized list of nearly {$12000.00} in fees for nearly 3 years on multiple occasions. I had even requested this list from the bankruptcy attorney as directed by the agent from US Bank. I never received until XXXX. In the past I had asked for the entire fee amount be removed because they would not send me the itemized list so that I would know exactly what I was being charged fees for. When I reviewed all these feed after finally receiving the list, I found I'm being charged multiple fees for services this bank never provided. Such as trimming my trees, changing my locks, mowing my lawn, along with several other feed that description does not clearly describe what the fees applies too. First off I have always lived in this home. No one has ever changed my locks nor trimmed my trees. And my lawn does not have grass and they have never winterized my home, cleaned my yard of debris, nor has my home ever been a health hazard of any sort. ( Just some of the fees I've been charged. ) I am looking to hire an attorney at this time but I do want to file an official complaint because it seems I can not ever resolve any of these issues by calling the lender. I also need legal representation to identify any other fraudulent fees this bank is charging me. I will provide a copy of the corporate advance fees upon request. Also this bank has canceled my home owners insurance which was included with my mortgage when I signed for the house. Also I had applied for a {$30000.00} grant through XXXX. The organization was ready to pay the {$300000.00} towards my mortgage but US Bank refused it stating it would not bring me current. I would have had enough to bring my mortgage current with the {$30000.00} included. But US Bank instead wanted me to modify my loan by giving me a {$47000.00} dollar loan from HUD ( which is still not enough to bring my loan current ) and raise my interest rate almost double what it is now. But the contract stated the HUD loan would have to be paid first and then when that was paid off I could start making payments toward my principal. That means my interest on the home would build up while not making payments and I would've eventually owed more than the home is worth When I could've just brought the loan current. | ||||||
| 01/09/2023 | Yes |
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Web | Servicemember |
| US Bank contacted me, unsolicited, in XX/XX/XXXX offering a forebearance. I lived in XXXX XXXX XXXX and the XXXX had just hit the area. I initially declined the offer, saying it wouldnt make sense to accept If I needed to just repay the entire amount at the end of the forebearance. They offered and confirmed multiple times any deferred payments would simply be put on the back end of the loan. I accepted this and we agreed on terms, and the forebearance began. A year later, they refused to honor our contract and demanded full payment of the deferred payments. Since XXXX of XXXX and their breach of our forebearance agreement, they have sent letters stating I need to apply for mortgages assistance. I stated I didnt need mortgage assistance, I wanted them to honor our orginal agreement. Theyve said while I didnt actually qualify with what they offered, they asked me to submit a request for assistance. Ive done this multiple times, with no answers or response as to why they breached our orginal contract. During this process, a rep named XXXX from US Bank contacted me and and offered that if I make two payments, they can then just add payments to back end of the loan. In an effort to resolve this, I accepted this and XXXX said would finalize the offer and call me back for payment which never happened. A rep named XXXX also called at a different time saying I just needed to send a letter stating I was affected by the XXXX natural disaster, XXXX XXXX XXXX XXXX, along with some loan information, and he would put all of the payments that were deferred onto the back end of the loan. I submitted this information as requested and again, US Bank still refused to honor their commitment or the follow up agreement to move the payments to the back end up alone. They now are attempting to foreclose on the home and refuse to communicate. All numbers they provide to reach the agents assigned to resolve this go to automated systems saying the agent I need to speak with is unavailable. Theyve locked the account for approximately 18 months preventing me from making a payment, while also demanding payment. I am filing a complaint that US Bank used false and deceptive offers to enter into an agreement they had no intention to honor and have refused to do so. | ||||||
| 04/05/2018 | Yes |
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| Original case : XXXX at CFPB Sirs US Bank. I am immensely surprised at the treatment you provide to your ex-customers. Regarding the claim that I made through the CFPB against US Bank, I comment the following : On XX/XX/XXXX, in a simple, concrete and kind letter, issued by ( document attach # 1 ) : XXXX XXXX XXXX U.S. Bank Reatail Payment Solutions He let me know that the claim was solved. I received this letter on XX/XX/XXXX ; but since XX/XX/XXXX I could see in XXXX and XXXX the rectifications requested in my original claim. Attached photo of the information presented ( document attach # 2 ) I thought that everything was solved, to continue with my personal plans : Apply as soon as possible for a mortgage loan. On XX/XX/XXXX, I observe my credit report in XXXX, and I see that the data that had been disputed in my original claim ( they were already solved ) returned to be reported. Attached photo with the report of XXXX on XX/XX/XXXX ( document attach # 3 ). Continuously to this, I review my case at the CFPB page and I find a very professional letter, educated, but with more problems than solutions, issued on XX/XX/XXXX by ( document attach # 4 ) : XXXX XXXX Customer Care Specialist Honestly, I do not understand what happens or where we want to go with this case. On XX/XX/XXXX, I made several calls to the number XXXX ( as you suggest in your letters ), but only answers a machine, which indicates to leave my information, and somebody call me back in 24 hours. I am waiting the call today ( XX/XX/XXXX ). I have been respectful of their times and procedures, I have done everything to find a friendly and immediate solution, but that has not been enough. I can not continue postponing my plans, due to the actions ( good or bad ) that the representatives of US Bank carry out. I need a solution no later than 24 hours after you receive this communication through CFPB. Once again I request that the data of my account appear in the credit bureaus as an settlement should be reported : Condition : Paid-Close Current Balance : {$0.00} Status : Charge Off. Settled - less than full balance Nowhere should there appear something like derogatory or balance > XXXX ( XXXX ). these terms do not apply in a settlement. Regards, XXXX XXXX | ||||||
| 07/28/2023 | Yes |
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Web | Older American |
| Around XXXX on XX/XX/XXXX, I was shopping on the US Bank website for CD rates and to see whether the bank required new money for what appeared to be competitive rates. I started filling out an application online and entered $ XXXX for a term of 11 months. When the application got to the part asking if the account was to be joint, I exited out into order to sleep on it and follow up in the morning. The next morning, I went back online to complete the application and open the CD and found that it had already been opened. $ XXXX had been transferred without my authorization and opened the CD. I called US Bank immediately after seeing the open account and have had multiple calls to US Bank customer service and wealth management department, the branch, all the while being told this will be investigated to see what happened. I was told on XX/XX/XXXX that they would fix it and put $ XXXX back into the account. A week later, this hadnt happened. I called again and was told that wasnt possible. Then I agreed to keep the $ XXXX for 11 months and had to do a zoom meeting for the signature. I was assured by the guy doing the zoom call, he would submit this to have it investigated as well. I was sent a survey asking how the service had been so far with US Bank and I outlined what had happened. Today, XX/XX/XXXX the branch manager called me and said the process US Bank uses is that if you start an application, you have opened the account and thats the way it is and Im not the only one whos had that happen to. He also said the branch is not the same as online banking. I requested the manager submit a request to investigate the online banking process for opening a new account since there were no stopgaps before opening and I did not authorize opening the CD. Online investing and opening new accounts should have several confirmations before the transaction is complete. There should be a higher level of accountability with online in order to insure the customer is truly authorizing the transaction. In the branch, in person, theres no question because the customer is present and signing a document. Theres not that level of security online and several requests for review and confirmation should be required before authorizing the transaction. | ||||||
| 06/07/2017 | Yes |
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| In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX on XXXX had left his position. I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full. In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}. I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision. I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested | ||||||
| 05/30/2017 | Yes |
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| On Friday X/XX/17 I was charged XXXX overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of XXXX transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault. After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before. Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge XXXX overdraft fees. At the VERY least, if I was overdrawn because of the XXXX gas transaction, that should cause XXXX charge and not XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company. | ||||||
| 11/20/2021 | Yes |
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| The Set Up In late XX/XX/XXXX, I was selling my car. A buyer online offered to buy it for {$4000.00}. He agreed to send me a certified check from a bank in the purchase amount plus an amount to pay the transport person. The buyer sent the check for {$5900.00}. I was to keep the {$4000.00} and send by XXXX the {$1900.00} to the transporter. I thought this was strange, purchasing a car without seeing it and then having me give the money to the person to move it. But, I knew I would do nothing until my bank ( U.S. Bank ) told me the check cleared. I deposited the check remotely using my U.S. Bank app. On XX/XX/XXXX, within XXXX hours, U.S. Bank notified me the funds were fully available/check had cleared the clearing house. I then made the transfer of the {$1900.00} based on my bank telling me the funds were available. The XXXX Sting U.S. Bank told me the money was available. I would not have sent the {$1900.00} by XXXX had U.S. Bank not done that. They blew the whole clearinghouse system process and caused my reliance. The XXXX Sting The BuyeXXXX contacted me on XX/XX/XXXX, that a family tragedy had happened. They needed the remaining money back, minus {$500.00} for my troubles. I became suspicious and refused saying I would not XXXX any more money. I needed to consider what was going on. I thought I was being used in a money laundering scheme. I began to investigate the bank on which the check was written and it no longer existed. It was purchased by another bank around XXXX. The defunct bank was called " XXXX Bank XXXX XXXX XXXX. '' I called U.S. Bank as soon as they were open next to report the fraud. They said it was likely a fraudulent check. I replied " not so '' because U.S. Bank had already noted it available for use/the check cleared. The bank conducted an investigation based on my complaint about the fraud and the banks negligent behavior. The bank determined on XX/XX/XXXX that the check was fraudulent, docked my account, and sent me a returned deposit notice. On XX/XX/XXXX, more than XXXX days after beginning the investigation, I received the notice that U.S. Bank would not take responsibility for their error. I had been told by their fraud department that if they took more than XXXX days they would give the money back. | ||||||
| 06/18/2020 | Yes |
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| What happened - I have changed my legal name through court order - On XX/XX/2020 I used my new legal name to enrol and was eligible for US Bank 's " Because you've earned it '' program that required identity and credit worthiness check and provide customers with a high credit score benefits, including no maintenance fee for their Gold checking account - US Bank was also offering a sign-up cash bonus for new checking accounts using a special online code. - On the same day, I submitted an application to open a Gold checking account with the sign-up bonus code and using the same personal information vetted earlier. The application was declined due to " problems to verify my identity '' - I then called US Bank and the agent informed me that I should go to a branch to provide more information about my identity so that my application could be approved. - On XX/XX/2020 I went to a branch in XXXX XXXX, California. I explained the situation to the bank teller, I provided my driver 's license, social security number and signed court order. The bank teller took copies of all documents and told me that I'd need to return at a later date, since the branch manager was unavailable. - Some days later, I received a call from the branch manager asking me to bring original documents to the branch so they could open my account. During my visit, the branch manager mentioned that my online application was declined and I should file a new application. However I would not be eligible for the promotional sign-up bonus. - Since I was eligible and wanted the sign-up bonus, the recommendation was to go back home and file another application online. The bank agent at the time suggested filing the application with my former name. - On XX/XX/2020 once again, I checked my eligibility for the " Because you've earned it '' program and since I was still eligible, I filed another Gold checking account application. At this round, I used my former name. This time the application went through without a denial. - After four days without a response, I called US Bank on multiple occasions and learned that my application was " under review ''. - On XX/XX/XXXX, I finally got a denial email stating the bank could not verify my identity and the application was declined. | ||||||
| 10/10/2017 | Yes |
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| XXXX/XXXX/XXXX I have a prepaid XXXX gift card, marketed by US Bank, with a {$200.00} credit balance. Today I tried to use the card to purchase an airline ticket for {$180.00}. The transaction was denied. I contacted Cardholder Services at XXXX XXXX XXXX XXXX and spoke to a supervisor, XXXX XXXX who told me that airline ticket purchases have an automatic withholding function that requires a 20 % " overage '' for gratuity. I told her that I was purchasing a ticket for exactly {$180.00} and that there would be no gratuity on the account and asked if she would be able to approve the transaction. She told me that it is bank policy to withhold the 20 % overage for any services ( haircuts, restaurants, airlines and cruises. ), and said that she would not be able to approve the transaction. I then inquired what could be done to get the purchase completed, and she suggested that I call the airline and ask if they would be willing to reduce the price of the ticket by 20 % -- laughable. I asked her to provide me with the documentation of the US Bank airline ticket gratuity policy, because the pamphlet that came with the gift card makes no mention of it. She said that she was unable to do so, but that I could write to Cardholder Services at XXXX XXXX XXXX XXXX, FL XXXX and they would be able to provide me with the information. Since the card is administered by US Bank, I asked if I could take the card into a US Bank branch and simply get cash for the balance and was told that I can not do that either. The problems are : 1 ) I have {$200.00} on a card that I would like to use {$180.00} to purchase an airline ticket. 2 ) I have until XXXX XX/XX/XXXX to get the purchase finalized. 3 ) Even if they are able to furnish me with the policy, I am still without the ability to have access to my money, and US Bank has refused to allow the purchase to be approved. 4 ) Never in my life have I paid gratuity on the purchase of an airline ticket, nor do I know of anyone who has paid gratuity to purchase an airline ticket. In fact, I looked up " Can I pay gratuity for an airline ticket? '' on XXXX and was not able to find a single item about it. Lots of info about cruises, motor transportation, and tour guides, but no gratuity on airline tickets. Interesting. | ||||||
| 11/27/2023 | Yes |
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| I have an XXXX Credit Card, it used to be issued by US Bank, but was switched over to XXXX XXXX. On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with US Bank was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did US Bank or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly 100 points. Since then I have dealt with customer service for credit disputes at both banks ( US Bank, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXXXXXX. I submitted a written dispute to XXXX XXXX on XX/XX/XXXX. I submitted a 2nd written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to US Bank XX/XX/XXXX. All of these came back denied. US Bank still will not provide me my account number or any information about this incident. I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. I still believe this to be an error that was not my fault. I believe US Bank originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus. | ||||||
| 10/14/2022 | Yes |
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Web | Older American |
| On XXXX XXXX I received an email from the XXXX XXXX saying that my subscription was expiring and would automatically renew if I didnt cancel. Not wanting it anymore I called the number. They said that my account had already been charged but since it was less than 24 hours they could refund the {$420.00} To do so they had to access my online banking account.I accessed the account at a hospital computer where I work. They created a window that allowed me to enter {$420.00} Cleverly ( on their part ) the number went to {$42000.00} and could not be reversed. In an instant {$42000.00} appeared in my checking account. I really do not know how they were able to add {$42000.00} to my checking account in an instant. To fix things they asked that I wire {$42000.00} minus {$420.00} to them On XXXX XXXX I spoke with the teller at US Bank XXXX XXXX XXXX ) to organize the wire for $ 42000.He said he would do so and that it would go through the following day and that he would let me know when it went through. Turned out the wire went out overnight with no oversight from the bank. Both myself and the teller were surprised by that. How can someone wire so much out of my account like that? Furthermore, I did not receive a text asking me to confirm/ verify the wire which, according to the bank manager, XXXX XXXX XXXX I was supposed to get On Monday XX/XX/XXXX, the balance of {$16000.00} was supposed to go out but fortunately this was picked up by the fraud department. They called me and told me that money from my HELOC had been advanced to my checking account. We immediately stopped that wire. Why did the fraud department pick up fraud on the second wire and not the first? Why wasnt the first one stopped? WHY WAS I NEVER INFORMED THAT MONEY CAN BE WIRED DIRECTLY FROM MY ONLINE BANKING As far as I knew my account was NOT set up to wire directly. ( Another manager XXXX who has been promoted in US bank admitted to XXXX that it was initially not set up like that but that fact is being ignored ) I always had a bank official set up a wire- they can check my history!! They changed that capability without telling me In my lawyers opinion, US Bank should have called me immediately when they noticed a change in pattern ( sending a wire personally ) | ||||||
| 07/29/2022 | Yes |
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| US Bank is holding my funds from my unemployment insurance for Texas in my account. This is not the first time US Bank has done this either. First of all two weeks ago, US Bank Locked my card right after I activated it. The very next day the card was locked. I did not even get a chance to use the card, because as soon as I received it US Bank LOCKED the card and put a fraud block. US Bank then left a voicemail telling me to verify my identity. So I went to the site US Bank instructed me to go to verify.usbank.com/identity and uploaded my documents 3 DIFFERENT TIMES. US Bank told me it takes them a week to verify it. So on Friday, I called to make sure they got the documents. After speaking with a supervisor and waiting on hold for 2 hours. US Bank supervisor confirmed that they received the documents and processed my submission and unblocked the card. Without apologizing. Then this week, I got another deposit and attempted to use the card to make 1 purchase and 1 transfer. The purchase was for apple itunes store, and the transfer was to my own checking account. on XX/XX/22 US BANK Cancelled my transfers 3 Days LATER. It says ACH Cancelled by Fraud Ops. So once again I had to wait on a 2 hour hold, and after speaking with both customer service and a manager I was told they need to verify my identity again. This is absolutely rediculas, Last week US Bank Confirmed they verified my identity and then when you use the card once every transaction they want you to reverify your identity? I told the supervisor I already did this last week and they confirmed it, and she told me she doesn't care I need to resubmit it and that they fraud monitor 24/7. As I instructed my identity documents have not changed in 1 week. She didn't care her name was XXXX. She told me that they can do this as many times as they want and it takes a week each time, She told me until I resubmit again, and again, and again they will freeze my account, and I am not allowed access to my OWN FUNDS. I believe this is definitely a case of consumer abuse. Especially when I am using my own money that I earned from direct deposit and they freeze my account every transaction. I do not believe I should have to continue to upload my documents every single day. That seems absurd. | ||||||
| 05/06/2020 | Yes |
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| I paid my XXXX XXXX XXXX bill through the Reliacard bill pay online on XX/XX/2020 in the amount of {$500.00}. According to Reliacards website It may take up to 2-5 business days for the payment to be applied by the Payee to your bill. On XX/XX/2020 XXXX XXXX still had not received the {$500.00} payment. I called XXXX XXXX CC to verify that they had not received the payment and was told no payment had been received or is currently pending. I then called Reliacards customer service ( XXXX ) at XXXX on XX/XX/2020 and was on hold for over 2 hours. The first person I spoke with was XXXX. I explained to her what was happening and she said she couldnt do anything to help so I asked her to connect me to someone who could. She connected me to a supposed supervisor named XXXX and he gave me several different reasons why the payment had not been received. First one was, the payment had not been processed yet and to give it a couple of more days. I told him Put a stop on that payment and credit my account back. He then said Nope, it has been processed and I should give it a couple more days. I explained to him what Relaicards site said about 2-5 business days for the payment to be received. He then said to me I could cancel the payment online. I told him you can not cancel the payment on line after it has been processed. He told me to go to their site and he would walk me through. I went to the site and he told me to go to cancel payment button. I explained there is no cancel payment button and that the site says To Cancel a Scheduled payment, select Cancel. This was not a scheduled payment and the payment had already been processed. I believe he realized he was wrong and without saying anything, he hung up on me. This morning XX/XX/2020 I called back and waited over an hour. I spoke with XXXX and told her what happened on the last call and in a very rude voice she tells me According to our records you hung up on him. I wasnt going to argue and told her to put a stop on that payment and issue a refund to my account. She said ok, anything else? I said can I have a confirmation number for the canceled payment? She told me my CC ID was my confirmation number and hung up. Your help is this matter would be greatly appreciated. Sincerely, XXXX | ||||||
| 12/22/2016 | Yes |
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| My hole family is Fake and drug government workers my XXXX then XXXX XXXX XXXX timers a year XXXX XXXX shot Bipolar time XXXX worked XXXX Shot down WTC planes his Ex wife Husband XXXX work XXXX my Dad Installed Switches Nuclear Subs then ran XXXX foot computer screen of XXXX XXXX XXXX my XXXX XXXX Dad makes XXXX email Launch and XXXX Generator Blew up XXXX XXXX in XXXX same XXXX did XXXX XXXX XXXX XXXX, XXXX 's XXXX cleanup World Trade Center putting humane hearts in " XXXX '' XXXX Nuclear Reactors freezer Banks melt. I have only XXXX Cousins close XXXX my Age Berger-man, XXXX XXXX wife XXXX XXXX relative and her Mom serve my school lunches XXXX Employer build XXXX Nuclear Storage Facilities. 9 years I dated XXXX XXXX a XXXX XXXX XXXX XXXX Department worker at XXXX received XXXX XXXX XXXX handle Nuclear Weapons and XXXX ran Port Authority Building fore the XXXX XXXX after XXXX. XXXX relatives provide Missile Silo Steal Both Sides of family run XXXX XXXX XXXX. XXXX XXXX work XXXX XXXX lived across school and beat me up in Lunch room XXXX XXXX buy are Farm lots then XXXX work XXXX in XXXX many XXXX switches with XXXX Atom Building Half world wide reactors. My XXXX XXXX XXXX owned XXXX Dealer, XXXX across XXXX and XXXX XXXX his Brother Vice President Farmers Insurance across XXXX then sold Children 's Books, XXXX XXXX XXXX across Bank XXXX XXXX XXXX XXXX XXXX founded and Largest US XXXX Hanging Mom on XXXX Comity with XXXX is XXXX XXXX. My Relatives own Millions XXXX 's corn fields and Sleepy Eye Treaty Site gave Both sides of the XXXX Mississippi. XXXX XXXX XXXX of XXXX My other grandpa XXXX XXXX settle took Indians XXXX over a cooking Pot then Sold Farms during farm Crises and Worked fore XXXX founder of the XXXX XXXX and Veterans of Foreign Wars, XXXX XXXX XXXX XXXX were Social Security is now. I built US Bank, XXXX House elevators Restaurant tunnels XXXX kidnap people in My Brother XXXX wife XXXX work XXXX mechanical hearts XXXX XXXX XXXX Presidents Circle, In between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Software most Architects used from XXXX Avalanche Software there old building buy XXXX XXXX XXXX 's only XXXX rated XXXX hotel XXXX XXXX Main Speech XXXX XXXX ran Dissolution of XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY. | ||||||
| 05/20/2021 | Yes |
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Web | Servicemember |
| THIS IS NOT A DUPLICATE REQUEST I filed 4 claims on XX/XX/20 on transactions after my online savings account was fraudulently accessed online and four XXXX transactions were were fraudulently sent from my account to someone named XXXX XXXX. On XX/XX/20 those claims were denied stating the transactions posted as requested. I submitted a second claim on XX/XX/20 after receiving this information. I did my own research and went to US Bank to obtain any information that they could give me on the XXXX transactions that were sent from my account. I spoke with XXXX XXXX who provided me with the person 's name, XXXX XXXX and bank, XXXX XXXX the transactions went to. From there I went to XXXX XXXX and spoke with the Assistant Branch Manager, XXXX XXXX. While speaking with her she verified that the XXXX transactions that those funds did indeed go into XXXX XXXX 's account. She contacted her fraud department to see what they could do on their end but she said unfortunately there was nothing they could do on their end and that US Bank she re open the case. After I left XXXXXXXX XXXX I went to the Police department to file a police report on the situation that occurred and spoke with officer XXXX case # XXXX. A little background, Back on XX/XX/20 my car was broken into and my purse holding all of my personal information was stolen. I filed a police report with Officer XXXX case # XXXX if you need to verify. My guess is, that information was used to access my account and fraudulently send wire transfers from my account. I don't know a XXXX XXXX and would never authorize 3 XXXX transactions to be sent to one individual in one day then turn around three days letter and send another transaction to the same individual. I have been in contact with the US Bank Fraud department several times, with no results. Please someone help me to make this make sense. I feel like I have done everything I can do and have contacted everyone I can contact and have still not gotten results. Today I contacted XXXX XXXX 's Probation Officer XXXX XXXX to let her know of the situation. She is in the process of submitting paperwork for probation violation. I am hoping the have this situation resolved as I have only received minimal communication in regards to my account. | ||||||
| 08/21/2019 | Yes |
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| On XX/XX/2019 I deposited a check that was issued to me by a friend in the amount of $XXXX. The account was put on hold for suspected fraud. The funds cleared but were still held. I had the issuer of the check (my friend) speak with the branch and was wondering why they deducted the money from his account but didnt pay who he wrote the check to(myself). The bank had said that they were going to hold the money no more than 11 days. It is now almost one month later and they still are not releasing my money. They informed me that they would be closing my account because there was a bounced check from the same check issuer (my friend). and they decided that was too much negative activity for such a new account. However, they continue to hold on to the money and not send a check like they said they would do. The account remains open, it has a positive balance of $XXXX. On XX/XX/2019, however, they did release to me $XXXX because I told them that I was having a problem and needed at least that amount. So again, the account remains open, i'm unable to spend the money that is in the account and they are just holding onto it. I told them I needed to pay my rend and pay other bills and that them holding my money was causing many problems for me. I'm now about to lose my apartment because I'm not able to pay the rent. I have defaulted on my utilities and power is about to be turned off. I cannot believe they are doing this to me and how is it they are allowed to do this to me? This must be against some law. The is all happened at the US bank in XXXX, CA (XXXX Branch). the address is XXXX XXXX XXXX. XXXX, CA XXXX. The manager who opened my account and placed the hold on my account is XXXX. I have asked her to get me in touch with someone who I can resolve this matter with and she tells me that it is all decided from an office that I'm not allowed to speak with and am just given a number to call. When I call this number, the end result always is to contact the branch. So it's this circle Im having to be in and it just keeps going around and around and no one can answer me anything other than :your account will be closed and we will mail you a check:. But it never happens and is not happening as the account is still open. | ||||||
| 10/04/2019 | Yes |
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| This is a complaint for actions in violation of FTC Section 5, specifically as it related to unfair or deceptive acts or practices in or affecting commerce. '' It further violates The Dodd-Frank Wall Street Reform and Consumer Protection Act with " abusive '' acts designed to takes unreasonable advantage of the consumers inability to protect his or her own interests when selecting or using a financial product or service. US Bank closed my account ( ending in XXXX ) for their stated reason of believing that I fell victim to a credit card scam. After a phone call to them to inform them that that was assuredly not the case, they seemingly weren't interested that I wasn't actually the victim of a scam and kept the account closed. It is therefore my belief that US Bank closed my account for some other stated reason that had nothing to do with the safety of my account - the information they provided me was misleading. In addition to the closing of the account in concern ( ending in XXXX ), they also closed my account ending in XXXX. While US Bank has the prerogative to close my account, in the process of closing the account, they refused to return the {$400.00} annual fee on account ending in XXXX ( which had been paid just 60 days previous ), the {$49.00} annual fee on the account ending in XXXX, and confiscated more than {$2000.00} in reward points across both accounts. They do not own the prerogative to confiscate money paid to them for services not rendered, nor do they own the prerogative to confiscate promised rewards which were obtained at cost to the consumer and which profited the bank. It's evident that US Bank baited me with a premium product and then inexplicably closed my account, taking my money and points without recourse or compensation. They were the beneficiaries of having an additional cardholder, receiving money in the form of an annual fee, credit card processing fees, and confiscation of rewards, while not providing any of the benefits promised to me. At best this is a case of mistaken conclusions, handled poorly by a lending analyst. At worst, this is a case of blatant disregard of the laws contained in the Federal Trade Commission Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. | ||||||
| 12/16/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX there were fraudulent charges made on our credit card. An account was set up with automatic payment to XXXX for {$78.00} weekly to deliver food. Other fraudulent charges were also made. We finally resolved the issue with the credit card in XXXX and got those charges credited back. This was difficult to do as the credit company kept issuing new credit cards and allowing the new numbers to be given to the automatic pay for the XXXX account. We were told that even if we close the account, the dinnerly company can still charge us on the credit card. In XXXX we were charged with a {$110.00} charge from XXXX that is also a fraudulent charge. We reported that on XX/XX/XXXX. The Charge was supposedly made on XX/XX/XXXX. The credit card company gave us a provisional credit on XX/XX/XXXX and then reversed the provisional credit on XX/XX/XXXX. My credit card statement for XXXX has a provisional credit for {$110.00}, a charge ( dated XX/XX/XXXX ) for {$110.00}, and a reversal of the provisional credit for wordpress for {$110.00}. Thus I have been charged 2 times for the fraudulent charge. I am unable to convince the credit card company that this is a double charge of a fraudulent charge. I had a representative from XXXX insurance on the line with me for over 3 hours today to try and straighten this out. We spoke to 6 different people, none of whom could explain what the charges were for. One person actually told me that the reversal of the provisional credit appears as a debit on my account but that is is not a charge and not added to my balance. There is not one person who can help us clear these charges. I have personally spent over 80 hours on the phone since XX/XX/XXXX trying to get fraudulent charges taken care of and we still have no resolution. The company has NEVER returned a phone call, even when they say they will and say they have record that they did. I searched my phone calls and there is no call from them. As of right now, someone is going to look over the account ( after 6 people already have today ) and determine what happened. Supposedly someone MIGHT issue a credit. I have asked to be called, emailed, and a letter in writing that this account is zeroed out. The account has been closed since XX/XX/XXXX. | ||||||
| 02/10/2016 | Yes |
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| During my XXXX year of college ( about 2013 ) I traveled XXXX. I let my bank ( U.S. Bank ) know that I would be switching to XXXX XXXX XXXX for the time being, because they have a great relationship with XXXX XXXX Bank and it would be easier for me to use my money through them. And assured them I would switch back to their service once I returned XXXX. I kept a small amount of money inside my U.S. Bank account ( as advised by XXXX the bankers when I told them I was traveling XXXX ). They did not warn me to freeze my account or to make sure that I do n't have any reoccurring charges. I understand these are things I should have checked for myself, but I was too busy worrying that everything was set up for my trip XXXX. Once XXXX I got a reoccurring charge ( a small XXXX around $ XXXX {$25.00} ) that put me just barely in the red and overdraft. But because I was in XXXX where they did not allow XXXX or XXXX, and any mail warning would be sent to my sister 's address which had no way of contacting me, I was left not knowing about this for months. And even if I found out, the program I was in did not allow me to speak any XXXX. Once I got back from XXXX the fees had stacked on top of each other until it had reached hundreds of dollars for a simple ~ {$15.00} charge. I decided to ignore it because between college and XXXX I had absolutely no money to pay for it, and did not think I had any action I could take against such a big bank. A couple of months ago I contacted the branch where I opened up my account and told them I was trying to get a handle on all of my debt. And that I was willing to pay it off, if they could at least be willing to work with me. The manager looked up my account, and although he acknowledged it started with such a low fee he reminded me that the event transpired such a long time ago that he was n't required to do anything. Just a couple of days ago I got a piece of mail from XXXX saying " Good News! We have contacted our client, U.S. Bank, and they have agreed to accept a substantially lower amount to settle the above referenced account in full ''. Saying that they will accept a one time payment of {$310.00} instead of the {$690.00} that I owe them, for a charge that started off as low as {$20.00}. | ||||||
| 07/09/2015 | Yes |
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| First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ). | ||||||
| 10/18/2019 | Yes |
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| I expect as common good business practice that corporations such as this make situations right. THIS particular situation was not due to the neglect of financial planning ; yet due to neglect of system/billing corrections ... YET today it would also seem that the us bank app that CUSTOMERS depend on ; was " undergoing maintenance '' CONVENIENT ... YET I'm responsible for this XXXX up?? I think NOT!!! fix this problem started around the XXXX XXXX of XXXX. A charge was made and then pending, XXXX . saw and noticed it. then on the XXXX still listed in pending authorization status ; then noticed strangely that available balance increased, XXXX $ thought direct deposit hit account ; same time frame Tuesday this week. np ... used card went on thru out week ; Available balance last night Thursday XXXX-XXXX ... available np ... wake up today ; show negative! 260ish! $ wtfso called in to company ; spoke to " rep '' indicated that looked like the XXXX $ hold/authorization was put on the account THEN taken off, THEN put back ON caused the account to go negative ... I stated w anger ... HOw is THAT possible?! SHE stated that she doesn't now HOW the " system '' allows transactions to go thru or not! I stated that it doesn't make sense! 2 days w available POSITIVE balance THEN Friday today NEGATIVE!!??? because of " SYSTEM ''!? no sense ... she didn't AND refuse to fix this, and stood behind it ... stating that would't fix this account ; even after it was something the SYSTEM did and not myself. IF I made it negative I would understand. SHE said the " SYSTEM '' did ... I asked her if that was accurate, SINCE I don't have any protections against my account for negative, MEANING if the account is NEGATIVE the CARD wouldn't go thru once the account WAS in negative ... she confirmed that ... SO how AND why won't U.S. BANK a million dollar company fix this NON customer ISSUE!!!! she wouldn't and refused ; I'm livid after numerous years of loyalty are now flushed down the toilet ; I WILL take this to attorney general and potential class action if necessary. USBANK, MAKE THIS RIGHT!!! this iSN '' T my error in charges ... OH I have pictures dates times of balance checking thru out week for verification and validation fyi ... ... feedback..XXXX | ||||||
| 08/03/2018 | Yes |
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| Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. Regards, XXXX XXXX | ||||||
| 07/25/2023 | Yes |
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| Subject : Response to US Bank 's Statement Regarding Case # XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to follow up on my earlier complaint regarding US Bank 's failure to honor a promotional offer and the unjustified imposition of service charges. I recently received a response from US Bank ( dated XX/XX/2023 ) regarding CFPB case # XXXX. Firstly, US Bank claims that the address provided in my concerns does not match the address they have on file. I would like to clarify that my current address is as stated in my initial complaint. Any discrepancy may be due to the delays and communication difficulties I experienced with US Bank while opening the account. The primary issue of contention is the bank 's refusal to honor its promotional offer of a {$500.00} bonus. According to their response, my account balance fell below the {$3000.00} threshold required for the bonus because of a service charge they levied. The charge was for a paper statement fee, which was neither stated in their promotion nor communicated to me at any point during my interactions with them. My understanding of their promotion was clear- XXXX XXXX monthly service fee. The paper statement fee was an unexpected charge, and it seems that it was deliberately imposed to evade paying the open account bonus. Moreover, US Bank 's response suggests that I should have been aware of these additional charges as they are stated in the " Business Pricing Information disclosure. '' I assert that this was not communicated effectively during the account opening process or afterward. This lack of transparency is deeply concerning. In light of this, I remain firm in my belief that US Bank 's actions were misleading and in breach of their promotional offer. I am not satisfied with their response, and I continue to seek the CFPB 's assistance in rectifying this situation. I ask for an investigation into these undisclosed service charges and that the bank is directed to honor their original promotional promise of a {$500.00} bonus. Thank you once again for your time and attention to this matter. I trust that the CFPB will uphold the interests of consumers like myself in the face of such disappointing business practices. Yours sincerely, | ||||||
| 05/20/2020 | Yes |
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| SUMMARY : DELAYS IN PROCESSING MORTGAGE LOAN TO OBTAIN SAFE HOUSING FOR MEDICAL REASONS PURCHASE AGREEMENT MADE ON XX/XX/XXXX CLOSING DATE SET XX/XX/XXXX XX/XX/XXXX US BANK NATIONAL RECOMMENDED TRANSFERRING TO A LOCAL LENDER BECAUSE OF DELAYS IN THEIR PROCESSING RELATED TO COVID 19 AND STATED THAT THE APPRAISAL HAD YET TO BE ORDERED AFTER GETTING A LOAN ESTIMATE FROM A LOCAL LENDER US BANK CHARGED AN APPLICATION FEE ON XX/XX/XXXX XX/XX/XXXX TALKED WITH A LOCAL US BANK REPRESENTATIVE WHOM SAID THEY CAN TRANSFER THE LOAN LOCALLY SINCE I HAVE BEEN CHARGED ALREADY BY US BANK NATIONAL AND THAT THERE SHOULD BE NO PROBLEM WITH CLOSING BY XX/XX/XXXX EXTENDED THE CLOSING DATE TO XX/XX/XXXX CONTACTED THE LOCAL US BANK REP ON XX/XX/XXXX TO CHECK ON THE STATUS-TOLD THAT THE OWNERS AGENT HAS DROPPED THE BALL ON GETTING THE APPRAISAL OWNERS AGENT INFORMED ME THAT THERE IS CURRENTLY NO APPRAISAL ORDERED AND THAT IT HAS BEEN CANCELLED TWICE TO DATE BY US BANK APPRAISAL ORDERED LATER THAT DAY XXXX-APPRAISAL DATE SET FOR XX/XX/XXXX DUE TO THE HIGH DEMAND AND LIMITED APPRAISER POOL THAT US BANKS APPRAISAL MANAGEMENT COMPANY HAS IN THE AREA ( 1 APPRAISER ) EXTENDED THE CLOSING DATE TO XX/XX/XXXX XX/XX/XXXX I EMAILED THE LOAN TEAM TO CHECK ON THE STATUS OF MY LOAN ( STILL YET TO SEE ), RATE LOCK AND APPRAISAL CONFIRMATION. INFORMED THAT THE LOAN DOCS ARE IN THE PORTAL ( STILL NO LINK SENT TO ME ) RATE LOCKED ON XX/XX/XXXX AND APPRAISAL CONFIRMED FOR XX/XX/XXXX ON XX/XX/XXXX I REQUESTED THAT ANY LAWS BE UTILIZED TO TIMELY PROCESS MY LOAN AND ALSO ASKED FOR THE OPTION OF A DESKTOP APPRAISAL PURSUANT TO CURRENT LAWS XX/XX/XXXX I REQUESTED THAT THE APPRAISAL BE DEFERRED USING CURRENT LAW ON XX/XX/XXXX THE REGIONAL MANAGER SET CLEAR EXPECTATIONS OF THE LOAN NOW CLOSING ON XX/XX/XXXX WITH NO REGARD FOR THE APPRAISAL MODIFICATION RULES ENACTED DUE TO COVID 19 XX/XX/XXXX VARIOUS COVID 19 SYMPTOMS OVER THE PAST WEEK WITH SERIOUS SHORTNESS OF BREATH-WENT TO THE XXXX XXXX AND TESTED WITH RESULTS PENDING BUT A HIGH LIKELIHOOD DUE TO MY MEDICAL HISTORY AND LIVING CONDITIONS-CURRENTLY XXXX, UNABLE TO WORK AND QUARANTINED XX/XX/XXXX NO LOAN ESTIMATE PROVIDED TO DATE-NO CONFIRMATION OF THE APPLICABILITY OF THE CURRENT COVID 19 APPRAISAL INTERIM FINAL RULES | ||||||
| 12/27/2023 | Yes |
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| On XXXX XX/XX/2023 from an individual claiming to work at US BANK phone number XXXX asking if I was applying for another car loan in Arizona or another state. I have not ever applied for a car loan. He advised I check my XXXX. The next morning, I checked XXXX and saw an auto loan in the amount of XXXX dispersed and in my name as the cosigner to an individual named XXXX XXXX who I do not know. The employer and one address associated with my name are incorrect and I presume them to be " XXXX XXXX 's ''. I then filed an FTC identity theft report number XXXX And also a local police report incident XXXX Also a complaint on the FBI website. I then placed a freeze and fraud alerts with XXXX, XXXX, and XXXX and filed a dispute with XXXX about the false reporting. I contacted US BANK on XX/XX/2023 and spoke with their fraud department with an individual named XXXX, who said they would investigate the issue. The only thing that has happened since then from US BANK is one letter reading about a hard credit inquiry removal but nothing about removing the fraudulent reporting to the credit bureaus. In a letter from XXXX, The dispute results claimed that the lender stood by the loan claiming that is my loan. So they did not remove the information from my credit. Since the initial contact with US BANK the fraudulent person using my credit has missed a payment and my credit has dropped over one hundred points. The amount is now XXXX due to the late fees I presume. I reached back out to US BANK on XX/XX/XXXX to see what was going on and they would not help me. I spoke with XXXX people each who sent me to the next person, only to get to the last person instructing me to call the number I was already on the line with. During this series of calls, they would not verify my Identity over the phone and instructed me to visit a local branch, there is not one in my home state. I do not know the account number or anything other about the auto loan. I have never received a bill to my home address in regards to this. I am working on writing dispute letters per the FTC guidelines to each credit agency per the FCRA 605B including copies of my credit reports, requiring the bureaus to block this false reporting. These will be certified mail. | ||||||
| 12/10/2023 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX. I contacted US Bank regarding a forbearance for my mortgage. I was placed on forbearance for the month of XXXX. I was told that the payment would then be due in XXXX but if I needed further assistance to contact them XX/XX/XXXX to see what I can be approved for. I contacted them on XX/XX/XXXX just to be proactive to see if there were any other assistance options. I spoke with a representative and she told me that she would have to end my forbearance to see what I would be approved for. Before we continued the process I let her know that if this would negatively impact me that I did not need to continue with further assistance and that we would be able to make our mortgage payment by XX/XX/XXXX. The rep did not confirm nor deny that this would negatively impact even though I mentioned this twice during the call. She continued to see what I would be approved for and she offered me a payment deferral for XXXX and XXXX mortgage payments. During this process none of the disclosures mentioned how this could negatively impact my account or my credit report. I called back on XX/XX/XXXX to make sure everything was in place for the payment deferral and to make sure I was ok to not pay my mortgage that day. On XX/XX/XXXX I got a credit report update that my mortgage is 30 days late. I immediately contacted us bank and they me I could dispute it which I did but it was not changed. I worked with US bank for a month to try to get answers and to see why I was never told that if I did a payment deferral my credit would be negatively impacted. I had multiple phone calls and nobody was able to assist me. The phone call where I stated that if this would negatively impact me was listened to but US bank stated that they still would not change the reporting. I asked for further explanation on how this could happen and the last representative I spoke with on XX/XX/XXXX refused to further explain because she said they already did. I had multiple phone calls with this company and stated I could make my mortgage payment on the XX/XX/XXXX but I was never provided the information I needed to prevent this from occurring. I also stated I could make the mortgage payment and was never told to make it to prevent negative credit reporting. | ||||||
| 07/06/2022 | Yes |
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| I currently have a US Bank XXXX XXXX XXXX XXXX card, having opened the account in XXXX, XXXX. One of the benefits of this card is the car rental damage waiver. When I signed up for this card, I was given a card member agreement and a guide to benefits which mentioned this benefit. On XX/XX/XXXX, I rented a car using my XXXX XXXX card, after going over carefully the details of the rental coverage. I have liability insurance of my own, and as per the terms of this rental coverage benefit, I made sure to decline any damage waiver from the rental company and charged my full rental on my XXXX XXXX card. I caused some bumper damage to the car I rented ( on XX/XX/XXXX ). I then returned the car on XX/XX/XXXX, and the rental company didn't mention anything about billing me for any damages so far. The rental damage waiver conditions stated that I need to report any claims within 45 days. Even though I flew out of the country after returning this rental, I immediately called the benefit administrator to report the incident. I was shocked when I was told my account doesn't show up as being eligible for the rental damage benefit on his side. Since I had the card member agreement, I reached out to US Bank, and after a 3-way call, I was assured there was a 'mistake ' in adding this benefit on XXXX 's side for my card. I was told by the US Bank representative it will be added retroactively starting from my card open date, and I should call the benefit administrator in a week to file my claim. Since then, I have called XXXX 's benefit administrator multiple times, and every time I've been told that the rental benefit doesn't show up for my account. To make sure I was not making a mistake, I ordered a current version of the card member and benefits agreement for my card, and sure enough, the rental benefit was listed in the benefits. I am truly disappointed that the only time I needed to use the benefit I could not. So far I've spent about {$100.00} in telephone calls XXXX and have additionally needed to purchase rental insurance for subsequent rentals since I couldn't trust US Bank any more. In short, I've experienced significant monitory losses and more importantly, peace of mind for over a month, due to this negligence from US bank. | ||||||
| 06/01/2022 | Yes |
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| A {$500.00} prepaid gift card was purchased from the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. In addition to the card value, a {$5.00} fee is also charged. Upon attempting to register the card at on their website at XXXX on XX/XX/XXXX, to be utilized on line, the card showed that all funds had been utilized. I immediately checked the transaction history for the card and saw charges that were not conducted by me or my wife. We immediately contacted the card company utilizing the number on the back of the card of XXXX and started a dispute claim. We were given a claim number of XXXX. They also blocked all access to the card so that we no longer have access to the charges in dispute. We were unable to make a police report without access to the charges. We were told a representative would contact us in 3-5 days, but that a resolution could take up to 90 days. After not hearing from the company in the 3-5 day time frame, I called them again on XX/XX/XXXX. At that time I was told we were given wrong information by the first representative as they do not follow up by phone. The representative told me that all of our paperwork had been received, and that we would hear something by mail within 90 days. I received a letter on XX/XX/XXXX. The letter stated that they had made a final determination on our claim, dispute claim # XXXX. Based on their investigation they concluded no error occurred, therefore no funds would be credited and the matter is considered closed. We are reaching out to them and requesting that they reopen the case. The card does come with a U.S Bank Gift Card Cardholder Agreement ( Effective XX/XX/XXXX ). Section 6 of said agreement lists their Zero Liability policy. The Zero Liability section states " You are generally protected from unauthorized transactions. However, if you do not tell us within 60 days of he date of the first transaction you believe to be unauthorized you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money had you told us on time ''. The first unauthorized purchase was made on XX/XX/XXXX. We reported the unauthorized purchase on XX/XX/XXXX. This is well under the 60 days in this policy. | ||||||
| 01/24/2022 | Yes |
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| I bank with US bank. I was charged a 36.00 overdraft fee, even the I did the opt-out debit card coverage, and one transaction was an error. This transaction is the 99.00 to XXXX on XX/XX/XXXX. When I went into bank account online, after getting a notification, it showed a negative cause by XXXX, and less than XXXX negative balance. I have already contacted XXXX, and they are refunding the 99.00. I had begun useing the Opt-out option more than a month before as suggested to avoid the overdraft fees. The banker denied my opt out would protect me from these charges as they were reoccurring. I then read him what I had read and agreed to when I changed the overdraft protection in my banking phone to the opt out. He let me know that the bank, at its discretion could decide to pay these transactions, and i would still be accountable for the new balance, and fees. This went against what I opted out of and read twice to the banker. So, I went on to read to him from the Regulation itself - 1005.17 Requirements for overdraft services-. Even though I read supporting information to my cause, he just set my account to not make any more payments to Atm/debit card purchases, and said he would not refund the overdraft fee, and again denied I had any recourse. Below, is how these were copied from my online account page. The banker told me it was the charge for XXXX, and subsequently the charge of XXXX to XXXX that caused the overdraft. All of the charges listed below were charged to my US Bank debit card, and the opt-out was chosen much earlier than this group of transactions. Pending is listed at top and completed is shown below that. I believe US Bank is abusing its overdraft, and using every loophole to still apply every overdraft, Opt-in, and Opt-out. PENDING : XX/XX/XXXX fee Overdraft Paid Fee {$36.00} XX/XX/XXXX ( auto renewal error, transaction N/A a XXXX*subscription XXXX XXXX {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00} XXXX XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$10.00} {$47.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX Card XXXX {$7.00} {$58.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$850.00} {$65.00} | ||||||
| 03/17/2021 | Yes |
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| On or around XX/XX/XXXX we applied to US Bank for a refinance on our existing mortgage we have with the company. At first and up to the point of getting the application fee there was good communication. From there it just fell apart. We provided them with all the information they ever asked for but could never get a straight answer about how the process was going. A P & L had to be in by XX/XX/XXXX, year to month prior to the loan, XXXX through XXXX which we provided. We had an appraisal done on XX/XX/XXXX. XX/XX/XXXX is when they email wanting us to review the appraisal which we did and sent correspondence stating that one area of the information was incorrect. Never heard another thing, emailed and left multiple messages to no avail. Finally on XX/XX/XXXX after threatening to file a complaint we are emailed that our loan had been cancelled. We received no notification until after it was cancelled. At this point the loan officer offered to start the process over again but " fast track '' it. Apparently he put the application into the portal that we had been using during this process and neglected to tell us that. A month later and we are at the final straw he tells us it's been sitting in there for a month. Mind you, we no longer had access to the portal once the loan was cancelled. At this point I call US Bank 's mortgage department and file a complaint with a secretary who will pass it on to management. Call back two days later because it was a weekend and they have no record of the conversation and gentleman that we spoke with was unwilling to take any further information or help in any way. That was it! We have been trying to get a refinance with a company we have had a mortgage with for over 11 years for almost 3 months. Never missed a payment or been late once. We want to make others aware and we want our {$390.00} application fee returned to us. They have cost us thousands of dollars and much headache. It is obvious that it is in the banks best interest to stall and cancel this refinance, they are making much more keeping us in our old loan. We have every email correspondence to back up all this information. XXXX XXXX XXXX XXXX ID # XXXX Mortgage Loan Officer XXXX XXXX XXXX Mortgage Loan Processor XXXX XXXX | ||||||
| 04/11/2020 | Yes |
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| Good Morning. About a week ago I came down with the notorious XXXX virus. I went to the bank in the drive-thru lane to make a withdrawal of my funds during this tuff time period. I am told by the banker that i would not be able to make a withdrawal. Immediately I knew that I was being racially profiled. I asked why and the banker said my account has a block. I ask why my account has a block and he did not mention that he was the one who enacted the block but came up with some excuse that I can't remember at this time. He secretly blocked my account without notifying me while i was there. I find that strange because I was using my debit card just fine before I went to that bank to make my withdrawal. The banker refused to withdraw my funds and treated me with such disrespect that I have ever been treated within my life from a banker. I went home and cried because I know that banks would either be reluctant to release my funds to me because of XXXX or the fact that they are racially profiling me. I have called numerous times numerous days IN A ROW! Thankfully I was able to get my money out by sending the money to someone else using XXXX and XXXX XXXX. Otherwise, the bank would still be holding my money captive during this crazy tuff time. US bank dropped the ball this time. I am so upset because I am not able to pay my bills because my account is locked. My billers do not accept cash. I am in self-isolation due to XXXX and i do not want to put anyone at risk trying to go out and get a prepaid debit card loaded up with the cash i have on hand. This is what the banks do when the going gets tuff. They block your account and racially profile you and say your apart of fraud WHICH I AM CERTAINLY NOT. I am so upset and frustrated I have even called corporate and are waiting for a response. Corporate has told me numerous times they would not be able to release the block on my account and only the manager of the bank who racially profiled me could. They told me they would reach out and get back to me and they have not. I want whoever to be held responsible for making my life harder than it already is. Nobody has helped me to solve my problem. This bank is operating in a predatory manner. During this tuff time, it is unacceptable. | ||||||
| 05/02/2019 | Yes |
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Web | Older American |
| I opened a safety deposit box in XX/XX/XXXX with US Bank, formerly XXXX XXXX XXXX in XXXX XXXX Illinois. I was regularly depositing cash, bonds, cashier checks, wills, deeds, car titles, and other things. In between the end of XX/XX/XXXX, and XX/XX/XXXX, ( this is an approximate date ), I was in the bank and went to check on my safety deposit boxes, ( I had two filled with cash and the other items I previously described ), and they were still full. They were so heavy that the employees at the bank would comment on how heavy my safety deposit boxes were becoming. When I went back on XX/XX/XXXX, the boxes still had the bonds, deeds, and cashier checks but all of the money had been stolen. I went to the police station, made a report and after some time they assigned a detective to the case. The detective then began investigating the case, in my opinion he did not work hard enough because the bank did not give him the information that he was requesting and was making it difficult for him to get the things that he needed to find out who stole my money, and he did not work hard enough to force them. I don't think he ever got the surveillance tapes, he only showed pictures of me going in and out of my safety deposit box on random days. The bank told him that the tapes were kept out of town and they could not give them to him. I think that is unacceptable. Please help me. That was my retirement. I have learned that it is not wise to put money in a safety deposit box but I still feel that the bank should not have let anyone in my safety deposit box. It is not as if the bank was robbed and the thieves robbed my box, someone was allowed to come into my boxes, both of them. They didn't do this randomly, someone knew what I had in my box and knew to take money out of my box. I tried going through a lawyer, the police, the comptroller of Illinois, and no one was able to help me. Please help. In total I am missing more than {$50000.00}. I used to deposit my tax returns, the cashier checks and cash from rent that I received. I am uploading some copies of checks and I have many more to show how I made my money. If you look at the tapes you will see that I would often cash a check with a teller and go straight to the safety deposit box. | ||||||
| 12/02/2022 | Yes |
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| On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager. On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check. | ||||||
| 09/29/2020 | Yes |
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| My unemployment is paid via the US Bank relicard and they ( US Bank ) have frozen my account and informed me ( after a phone call from me ) after finding out while checking out at the grocery that i have been randomly chosen due to " a massive fraud investigation " to have to prove my identity not by showing up in person but rather faxing them a copy of my State ID, Social Security card, and 2019 W2 forms in which i reluctantly did only for them then tell me it would be 10-15 days to review what i sent in. After 10-11 days later i checked my card and it was still frozen, my unemployment check went in but i could not take anything out so i called again to be informed that what i sent in ( exactly what they asked for ) was not sufficient, no reason on why just not sufficient and on top of that i was told by US Bank relicard operator that there is know way for them to find out because it was there " offline '' fraud leasion team and there is no way of contacting them. So i recent the papers a second time and waited 10 more days to then be informed that " my paycheck stub was from XX/XX/2019 and they couldn't accept anything older than XX/XX/2019 '' in which i replied that i have not sent them any paycheck stubs i sent my W2 's like they asked. after an absurd amount of time on hold i was told to re fax my w2 's and if they were on file or when they received this 3rd fax my acount would be unlocked within 5 more days. 5 days later i called my account is still locked no one can tell me why, just that they have received my paperwork and there is no further instructions so there hands are tied. I beg of you to please help me in this matter for i have no where else to turn, i have not been able to access any of the only {$1400.00} to my name for over a month and i see no resolve in the near future i have already lost my place to live and will soon be on the street i also have kids than have literally gone without meals do to this. what they are doing should be criminal, this is my unemployment check and they have kidnapped it and are holding for a unpayable, ever changing ransom. I have spoken with the unemployment office and they assured me that this was US Banks doing, not theirs. Thank you for your time and consideration | ||||||
| 09/11/2023 | Yes |
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| On XX/XX/23 I transferred {$1800.00}, via XXXX XXXX USBank ) based on an e-mail that I received from my contractor. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my contractor 's name and the project details in the title and memo section with XXXX XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. I immediately called my bank, USBank, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the XXXX transaction as requested ''. I immediately called USBank again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. I then contacted my USBank Private Banker and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that XXXX Banks implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), USBank refuses to get the receiving bank to send the funds back to USBank. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, USBank continues to reject my claim. I believe that USBank committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. My contact at USBank is XXXX XXXX ( Sr VP Wealth Market Leader, XXXX, XXXX ) | ||||||
| 03/13/2023 | Yes |
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| ( DO NOT CLOSE THIS ONE OR LISTEN TO US BANK!!!!! THIS ISNT A DUPLICATE!!! I am GOING TO POST A COPY OF MY BANK STATEMENT WITH THEM TO PROVE THIS DOES IN FACT BELONG TO THEM AND THAT THEY ARE RESPONSIBLE! ) So I contacted US Bank, more specifically their Dispute Center, to report the following transactions as fraud : XX/XX/XXXX - XXXX XXXX : {$280.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$320.00} XX/XX/XXXX - XXXXXXXX XXXX XXXX {$350.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$350.00} XX/XX/XXXX - Transfer to XXXXXXXX XXXX XXXX {$350.00} XX/XX/XXXX - XXXX : {$260.00} XX/XX/XXXXXXXX XXXX XXXX : {$100.00} With those disputes they approved the transaction from XX/XX/XXXX from Transfer to XXXX XXXX because I provided a detailed description of the fraudulent activities with said XXXX XXXX account, to where any time Id get money on my US Bank account, they would do an Automatic Withdrawal, which I had no idea even existed, until I saw these transactions on my account. But because that one was approved in my favor, I figured the others would too, but they denied EVERY LAST ONE OF MY OTHER DISPUTES WHICH IS RIDICULOUS BECAUSE HOW CAN I PROVE THAT IT WAS FRAUDULENT BUT THE SAME THING KEPT HAPPENING AND YOU DONT APPROVE THE OTHER TRANSACTIONS THAT ARE JUST LIKE IT??? Even though I provided more proof than before???? Not only that but for the points purchases I literally sent in screenshots showing that these companies not only didnt provide me with what was purchased but ALSO deducted ALL MY EARNED POINTS OUT OF MY ACCOUNT FOR UNKNOWN REASONS. US Bank STILL gave the case in their favor I faxed all the necessary documentation, and they STILL denied my claims and made my account go in the negative I had my card used fraudulently. PROVE TO THEM IT WAS USED FRAUDULENTLY, and they STILL put me in the negative over {$1400.00}. GIVE ME MY MONEY BACK FOR THESE FRAUDULENT TRANSACTIONS This is a formal warning on a government regulated forum that allows public notation of my complaint, as Ive been advised by my attorney to give you all this last opportunity to rectify this situation or you all will be sued in a class action suit headed by others who have already gone through this, along with my own personal claim against you all. | ||||||
| 10/27/2021 | Yes |
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Web | Older American |
| 1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank National Association and serviced by XXXX. Card number : XXXX XXXX XXXX XXXX. 2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there was a single fraudulent charge of {$190.00} for a XXXX gift card. I immediately notified XXXX at XXXX. After an extended hold I spoke to a XXXX. She directed me to send my contact info, proof of purchase, copies of the front and back of the gift card, the merchant information, and the reason for my dispute by fax to : XXXX. I have copies of those documents and fax verifications. 3 ) On XX/XX/XXXX I faxed a letter demanding action along with another copy of the items faxed over previously. 4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and notify the fraud unit. She also instructed me to email documentation directly to the fraud division at : XXXX, which I did. 6 ) On XX/XX/XXXX I made a follow up call and was lucky enough to speak to XXXX again. ( I remember her as understanding of my plight. ) She transferred me to a supervisor identified as XXXX XXXX. XXXX XXXX informed me that on XX/XX/XXXX there was a {$200.00} provisional credit issued to a XXXX XXXX. She had no explanation as to this XXXX XXXX. She told me that she would submit an escalation advising of the credit being issued to the incorrect party. She told me someone from the escalation department would contact me within 24 hours. 7 ) On XX/XX/XXXX I spoke with a XXXX who identified herself as a floor supervisor. I related the whole story ( again ) including the question as to why the credit was not issued to me or why I have never been contacted. She told me that no one in a higher supervisory role was available to speak with me. And she promised that I would be contacted within 24 hours. 8 ) Cricket s! I have documentation for all of the above events. I have been stonewalled with their hope that I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate. | ||||||
| 07/19/2021 | Yes |
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| On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. To this date, the funds have not been returned to my account by US Bank. Any assistance would be greatly appreciated. | ||||||
| 10/20/2020 | Yes |
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| Hello, my name is XXXX XXXX, I currently have a mortgage loan with US Bank and an escrow account as well. Unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX is refusing to insure my property and honor my policy due to US Bank failing to pay my homeowners insurance in a timely manner from my escrow account as per our agreement after being contacted multiple times by myself and my insurance agent. They also proceeded to misinform my agent and myself of when payment was sent and caused my policy to be cancelled. Now, I am expected to pay {$3300.00} for a new homeowners insurance policy compared to {$1500.00} that will accept me with damage that occurred during Hurricane Sally and through my insurance agent, who is trying to honor my cancelled policy through their own company, an additional {$3300.00} for a deductible. US Bank has also been sent my new Homeowners Insurance Policy multiple times now and is again failing so far to pay them in a timely manner. I was wondering if there was any action I could take against US Bank for the impacts and costs of their actions. XX/XX/XXXX - XXXX XXXX XXXX started and Paperwork Submitted. XXXX XXXX US Bank was contacted about late Payment and said they would overnight it. XX/XX/XXXX - US Bank contacted again about late payment, we were then told it was sent over regular mail. Not overnighted like we have been told. XX/XX/XXXX - Payment still hasnt arrived, contacted US Bank again and was told they have to do a check trace. XX/XX/XXXX - Hurricane Sally Cause Damage to Home XX/XX/XXXX - Insurance still unpaid. XX/XX/XXXX - Insurance Cancelled and Unwilling to Reinstate Our Policy due to being so late from US Bank. XX/XX/XXXX - New Policy Started and Paperwork Faxed to US Bank. XX/XX/XXXX - Called US Bank and Told They Did Not Have Information. XX/XX/XXXX - US Bank calls and states they dont have information still, information Faxed Again and inquired about payment for it. Was told it would be express mailed. XX/XX/XXXX - US Bank calls and states the dont have information. XX/XX/XXXX - Used US Banks online portal to Upload information. XX/XX/XXXX - Contacted US Bank again with Policy Information, Invoice, still havent received payment. XX/XX/XXXX - Still no Changes. | ||||||
| 02/12/2020 | Yes |
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| On XX/XX/2019 I used US BANK XXXX application to send {$1500.00} to recipient XXXX XXXX who has a XXXX XXXXXXXX XXXX account. This is a deposit that I needed to provide to move into an apartment. US Bank marked on my end that amount was delivered and XXXX went into her bank account to retrieve it through XXXX. At that point the payment on her end was marked " Failed '' with no option to retry or retrieve the amount. She provided me a screenshot I've attached. I called my bank US BANK to complain that while they extracted it from my account and marked the transaction complete, delivered, the recipient did not receive it. I was told US BANK could not retrieve the transaction and to have recipient call US Bank. We called them together on XX/XX/XXXXand was told that there was a XXXX connection error and that the funds were never received by XXXX XXXX XXXX and that I should receive the amount back between 3-5 business days. It's been over 8 days and I have not received the funds into my account. I called US Bank to dispute this issue and they had no idea how to resolve and kept stating that funds were delivered while I mentioned no, the payment had failed and they should be able to connect with XXXX to see what occurred. Also, I tried calling XXXX, but they don't provide an option to help if you go through a bank because they have access to that information and they don't. US BANK alleged they opened a dispute but I have received no inquiry since then and it's been over 7 days. In the meantime, I had to cut another check from a different account to pay for the deposit. This is causing me hardship because I am out {$1500.00} with no help from XXXX XXXX XXXX ( because I have no account ), or Us bank. It is not right that both banks do not have the controls in place to reconcile when amounts are received in error. Additionally, US BANk written complaint channel via email is down. You can't actually follow up on your dispute without calling and as I mentioned, their agents have not been helpful with this matter. Attached screenshots -- proof of XXXX payment -- proof payment failure from XXXX XXXX XXXX and me having to pay a check from a different account to pay for deposit. I request immediate urgency to this matter. | ||||||
| 08/22/2016 | Yes |
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| My credit score according to XXXX, is XXXX. I applied for a pre-approval to US Bank on XX/XX/XXXX. They obtained my credit report on XX/XX/XXXX. On XX/XX/XXXX, I contacted them to inquire as to the status. They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. They were aware of the XXXX value of the auto I was purchasing, the XXXX I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or obtain any further documentation regarding the loan than I had disclosed to USBank. It 's their right to refuse my loan based on logistical parameters, however, this was blatant discrimination. My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on XX/XX/XXXX, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. I have proof of this VIA my XXXX Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. I have uploaded a screen shot of the proof of obtainment from USbank on XX/XX/XXXX ( valid ) and XX/XX/XXXX ( Malicious and illegal ). Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer. | ||||||
| 12/28/2015 | Yes |
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| US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive. | ||||||
| 09/07/2018 | Yes |
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| In XX/XX/2018, my Fidelity Rewards Visa Signature card was temporarily restricted by the Payment Risk Group at XXXX XXXX XXXX ( the organization who manages the card ). I called the payment risk group and spoke on the phone with XXXX. XXXX indicated that the reason for the restriction was that a large number of payments had been made using money orders. While we were on the phone, XXXX looked up the issuing bank/vendor for the money orders, verified that they were on an approved vendor list, approved the payments, and removed the account from restricted status. In late XXXX, the Fidelity Rewards Visa Signature account was closed by XXXX XXXX XXXX. I spoke with XXXX in the XXXX XXXX XXXX Payment Risk Group on XX/XX/2018. XXXX XXXX direct phone number is XXXX. Per XXXX, my account was triggered internally by XXXX for review. XXXX refused to provide the reason for the review. XXXX indicated that as a result of the review being triggered, XXXX elected to perform a soft credit pull, and upon seeing that I had applied for other credit cards in the previous month, made the decision to close the Fidelity Rewards Visa Signature account. XXXX stated that XXXX considered the account to be a risk due to high usage, even though all balances had been paid in full by the statement due dates. The Fidelity Rewards Visa Signature card is agreed to have a 2 % cash back rewards component. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX that a final statement was processed and placed in the mail to me, and that XXXX had elected to assess no cash back for the final statement, despite considerable charges being placed on the account. I disputed the decision, and as of XX/XX/XXXX, XXXX has refused to reverse its decision after multiple conversations on the phone. The amount due to me is {$1000.00}. XXXX refused to provide a reason for their initial decision to review the account, so their decision to close the account is not legitimate until a valid reason is provided. Further, the terms of the user agreement were still in effect until the time of account closure and XXXX is obligated to deposit the agreed-upon cashback amount of {$1000.00} into my individual cash account ending in XXXX. Thank you for your review of this case. | ||||||
| 06/11/2018 | Yes |
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| I recently became unemployed and also had to move to another city. Because of this hardship, I reached out to U.S. Bank for liquidation options since I was no longer living in the home and could no longer afford the payment. I was assigned to a Specialist and then to a Negotiator. The Specialist was ok at reaching out to us and communicating but I have never spoken to or received an email from the negotiator as requested. I had issued scheduling an appraisal because I now live 2 hours away from the property and I had communicated this with the appraisal company. All of the dates and times that I requested were not available so they suggested that I get a lockbox. During this time I had not received any phone calls from U.S. bank regarding my loan status. I received one phone call from a restricted number at XXXX in my time zone which I had never previously authorized and the name and phone number provided on the voicemail did not match any information previously provided to me by U.S. Bank. Other than that there had been no other phone calls to me. After I went and put the lock box on the property, I called the appraisal company to set up an appraisal time and was informed that the assignment was cancelled. U.S. Bank NEVER called me to inform me of this which I strongly believe they should have. I called U.S. bank on XX/XX/XXXX and requested to speak to a manager who confirmed that my file was closed due to not being able to do an appraisal even though I was in constant communication with the appraisal company. He advised me that I had to fill out another application and resubmit all of my information which I was very frustrated about. I asked him if any foreclosure process has begun and he stated no, and that can be prevented as long as we resubmit our docs which we did that same day. We were reassigned to the same specialist and I was able to successfully schedule an appraisal. Today XX/XX/XXXX, exactly a week later I received notification that a foreclosure has been reported on my credit report. I feel like I was mislead and lied to. I did everything I was told to do to prevent my loan from going into a foreclosure status and was assured that as long as I did those things my loan would not go into that status. | ||||||
| 07/09/2023 | Yes |
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| On XX/XX/, I went through the ATM at my personal bank to withdraw funds from my checking account using my debit card for unemployment income. My ATM gave me a receipt showing the amount ( {$500.00} ) I wanted to withdraw and showed my balance with that amount deducted, but I received no cash ; the ATM did not disburse my money to me. I spoke with the Bank ATM clerk, and went inside the bank to inquire how to get my money. I was told I needed to contact US Bank ( on whom the card is drawn ), so I called 5 times before getting to speak with a person. I was told that I needed to wait 10 business days to get any resolution ; the situation would be referred to the ( investigation dept? ) for review. I was extremely livid that I could not receive my money right away. I was also told that I would receive communications through the mail ; I have not yet received any type of communications. I believe that my 10 days are up Tuesday, XX/XX/XXXX, at which time, I plan on following up with US Bank to find out if they have resolved their issue. I am being patient as possible at this point. In addition to this issue, I feel I being charged overtly incorrectly for the use of my card. Each time I withdraw funds at my personal ATM I am being charged {$5.00}, but I also am seeing I am being charged {$1.00} in addition. I do not understand this and I was not provided sufficient explanation for that. I had initially requested having my unemployment funds direct deposited into my personal checking account, but was told that was not possible due to my living in VA am out of that network. I feel that this also is unfair ; it is not my fault that I had to move to VA to be closer to my family, yes it was a choice, but a necessary one. Therefore, I feel there is a better option that could be attained for my situation. If a check in the mail, that might be better than being charged for using my own funds. I have been in such desperate attempts to gain employment and after so much time, and so many fees charged to me by US Bank to use the debit card, I have lost much money and also am quite stressed over these issues. I need some resolution soon, and I wish there would be another option for me to receive my money. Appreciate your help. | ||||||
| 11/26/2020 | Yes |
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| 1. We have a 3rd floor condo in a mixed use retail, professional office and residential building in XXXX,XX/XX/XXXX We were notified by US Bank in XXXX this year that flood insurance would be required. We have a first lien HELOC with US Bank on this condo. It was opened about 10 years ago. 2. We informed US Bank that we would like to close the account in late XXXX rather than secure a flood insurance policy for over {$1000.00}. 3. US Bank 's insurance division then put " forced place '' flood insurance on our condo, and billed us for the annual premium of {$1000.00} in XX/XX/XXXX. We spoke to various US Bank divisions and representatives in XXXX and XXXX explaining that we had closed the account and should not be held liable for the flood insurance premium. On one occasion speaking with the insurance division rep, he said that if the account was closed, we indeed wlll not be liable for the premium, but as his system was down, he could not verify tha the HELOC account system was reflecting the account as closed. He said he would notify the HELOC division that we indeed had requested to close the account, and he said he would update our account notes once the system came back up. 5. We continue to be told by the US Bank HELOC unit that we still owe the {$1000.00} premium. Plus they have not given us an accurate pay-off amount and continue to bill us for nominal accrued interest. Our XX/XX/XXXX statement shows we had an outstanding balance of {$4.00} in XXXX that we remitted {$4.00} XXXX ( check cashed ) and it says we still owe {$4.00}. 6. We are simply seeking to close our first lien HELOC. US Bank has not been able to do that and they are continuing to bill us even though we paid off the {$4.00} outstanding a, and they continue to tell us we owe the flood insurance premium. We are working professionals who own multiple homes and this has taken an inordinate amount of time to simply close our account. We ask you help in closing the account and resolving the annual flood premium liability that was forced on us. We offered to pay a pro-rated amount of the insurance premium to expedite the closure but US Bank could not calculate that and bounced us from one unit to another over a period of two hours today. | ||||||
| 01/27/2018 | Yes |
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| The original financing was, between and my husband at divorce, the judge award the property and declared that, My ex-husband was responsible for the mortgage and he had full ownership of the property. My credit report states, that the original payment was paid off 100 %, but, I received a letter, asking if I would like to keep the property. I just need to bring the note current. The credit report, also states that the account was a charge off and that a dispute was filed by the grantor ( s ) US BANK and resolved by the grantor ( s ) US BANK.It is hard to do a investigation, without all parties being involved. I never opened a investigation. And now, I received a call stating the property was being sold, to the highest bidder. I have a mortgage reporting information, that is not accurate and the credit bureaus are reporting information, that has been verified. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to reporting and have incorrect information and as protection provided by the fair credit reporting act, if it is not accurate, if must be removed and never reported, thereafter. The mortgage, also contained mortgage insurance, that would cover the mortgage for a year, if the home owner became unemployed and/or a hardship and notified the lender that, there was a hardship and would be unable to make the current payments. The lender charged additional monthly payments, to cover the cost of the secondary insurance, but did not collect the benefits, that were due them and the home owner. Therefore, the late payments, were not accurate, as the insurance should have covered the payments. Everything about this reporting, is not in compliance and illegal. I am not responsible for the property and the mortgage. The lender is in violation of a court order and has completely, disregarded the courts ruling and has stated they " I have to pay for the property and the courts and no authority over the transaction and the lender ( us bank ) has authority over the courts. The property address for the mortgage/loan is XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX. | ||||||
| 12/07/2015 | Yes |
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| In XX/XX/XXXX, my husband and I decided to go through XXXX XXXX XXXX, including this account. I had forgotten to cancel my automatic payment in XX/XX/XXXX and called and spoke with the Recovery department, who advised that all future automatic payments would be cancelled, as I requested, and confirmed they are receiving payments from the XXXX company and their proposal has been accepted on my account. In XX/XX/XXXX, my automatic payment still was drafted. I called Customer Service who told me I was responsible to do that online, which I disputed, because the rep I spoke with the month before did not tell me I needed to go online, they told me they submitted the update themselves. The rep attempted to transfer me to an escalation and I stayed on hold 25 minutes - I hung up and called back, the rep then stated she would have a Supervisor call me back, which I never received. The next day, I called in and requested my payment be returned because they would be receiving my payment through XXXX company. I found out two weeks later it was denied because of my obligations to make my minimum payment. My XXXX company made my payment of {$110.00} - so they received two minimum payments. When I called back and re-requested my payment be returned, the rep stated that she thoroughly documented what has happened and I should be receiving my refund of my payment made XX/XX/XXXX to XX/XX/XXXX account, because it is clear that two payments were made by me. One in error by this company. It is the holidays - return the funds to my account immediately. This is their error - I have been given inaccurate information, representatives have shown no urgency and no follow-up to complete requests, and have kept funds for a payment that was no longer authorized. The representative I spoke with from the Recovery department on XX/XX/XXXX assured me no other payments would be taken out and sure enough, the XX/XX/XXXX payment was drafted. Keeping this payment and denying my request is unjust and unfair. I pay you every month - and prior to going into consumer credit counseling, paid you much more than the minimum payment. Please return the {$110.00} from XX/XX/XXXX to my checking account. It might not be a lot of money to you, but it is to us. | ||||||
| 01/12/2023 | Yes |
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| I submitted a complaint and the response the CFPB closed the case on was a blatant lie. They stated that they do not have an option to choose savings or checking and I have screenshots proving there lie. I am still requesting reimbursement for the fees my external bank charge as US bank made unauthorized withdraw from my checking causing {$50.00} in fees. My Credit union has one account number used for both checking or savings and teh radio button on US bank side is supposed to direct it to the correct account. If the radio button is not working that is US bank issue. I have called and US bank did confirm this is a known issue causing customer harm Here is the original CFP details : Original Complaint # : XXXX Specific US Bank Lie : `` The payment you made via web/mobile banking on XX/XX/XXXX, was returned as non-sufficient funds, and reversed off the account. When customers add an external account for payment, there is no option to specify if the account is savings or checking. Since no errors were found in the payment application, we recommend you work with your other financial institution regarding this issue. '' Proof of LIE ( Screen shots ) attached below Please note : I re-made the payment using the same saving setup and they pulled it from checking 's again. ORIGINAL COMLAINT : I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank America First CU. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}. | ||||||
| 04/13/2021 | Yes |
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| On or around XX/XX/XXXX, I received a prepaid Visa Gift Card in the amount of {$150.00} by my employer as a XXXX gift. On XX/XX/XXXX, I attempted to use the card for the first time and my purchase was declined by the retailer. When I looked up the card on XXXX, I found that the card was previously registered and spent by someone other than me ; even though the card had never been removed from its original protective Visa envelope until I attempted to use it for the first time on XX/XX/XXXX. I called the Visa Gift Card toll-free number ( XXXX ) regarding the apparent fraudulent activity and was instructed by the representative to fax a scanned copy of the front and back of the gift card, my drivers license, and either a purchase receipt or a written statement if a receipt was not available. Once faxed, I was instructed by the representative to call the same toll-free number after three ( 3 ) business days to continue the process. On XX/XX/XXXX, I faxed the requested information to the fax number provided by the representative ( XXXX ). On XX/XX/XXXX, I called the toll-free number as instructed. The representative told me the drivers license was not legible and that with no copy of a purchase receipt, Visa could not move forward with processing my claim. When I informed the representative that her colleague, on XX/XX/XXXX, advised me that in place of a purchase receipt, that a written statement would suffice. She said that was not correct and that she could not help me with the information provided. I asked to speak with a supervisor and was connected to one. I was told that Visa could not help me without a purchase receipt. Being that the prepaid Visa Gift Card was a gift ( without a receipt ) and I was instructed by a Visa representative to supply a written statement in place of the receipt, I asked to be connected to someone that had the authority to make a customer service decision. The manager told me that someone from Visa, who had the authority to reissue Visa Gift Cards, would call me within 3 to 5 business days. 7 business days have since passed and I have not been contacted by Visa. Despite being an apparent victim of fraud, I am now being stonewalled by Visa in having this issue resolved. | ||||||
| 01/22/2020 | Yes |
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| I have the power of attorney for my XXXX y/o mother 's finances. I'm her son XXXX XXXX. She has a loan with U.S. Bank. She owes approx. {$40000.00}. She has received phone calls saying she has missed payments and behind in payments. She has not missed any payments.I called in to the general number to address the issue. I have over the last month spent hours and hours trying to straighten out the issue. Each time I call in I get an understanding agent who can not figure out the reason for the problem. The payment for {$480.00} is made automatically early each month. The agents I have spoken to all agree she has made all payments. The problem seems to revolve around an escrow over billing problem. They agree that seems to be the issue and say they will find out the problem and get back to me. They NEVER do. They sent a default notice to my XXXX y/o mother. It has become increasingly stressful as they never have an answer as to why she is being charge {$160.00} a month for a $ XXXX home insurance policy. They all have agreed that is a problem but they never fix it. I received a annual document ( an Annual Escrow Analysis Statment ) from them saying her bill will go up {$2.00} a month to make up for a short fall in her escrow acct., then another document with a {$56.00} refund check for over payment. If you call into the automated acct. line. It indicates she owes {$1100.00} past due and if you speak to a agent you'll get a completely different number. I have spoken to front line agents, escrow department, collection department and management, all promising to correct " THEIR '' error but all we get are threats by mail. They have no Idea what one part of the bank compared to another is doing. Everyone is always nice but still the threats of penalties and foreclosure keep coming.They just sent me a letter saying they are giving the service of this loan to another entity. They have raised her payment {$93.00} a month. My mother is on a fixed income.I feel that is punitive. Help Me Please I'm the one who is always trying to get this resolved and they do nothing. I had a car loan with U.S. Bank and had to refinance because of things like this. THEY ARE INCOMPETENT. They should not be allowed to be a bank. Thanks | ||||||
| 04/12/2018 | Yes |
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| The case and complaint I have regarding the dealings and legal court battles with US Bank corp are too vast to post here. I have summarized the initial dealings in a letter to US Bank Corp CEO, XXXX XXXX XXXX in XX/XX/XXXX. Since that letter was written, we have endured ( 3 ) Probate suits, and ( 2 ) foreclosure suits. We are currently in the second foreclosure court action, and have spent over {$20000.00} in legal fees, with little end in sight. To have a multi-billion dollar corporation mercilessly spend tens of thousands of dollars all for a $ XXXX home that all along has had people willing and able to assume the debt, they chose to intimidate and harass us unceasingly to the point of having to file a chapter XXXX bankruptcy just to have them talk and negotiate with us. We continued to make our payments as permissable and until into XX/XX/XXXX, when US Bank decided to no longer accept our payments. Additionally, In the last round of " negotiations '' this last year, the offer they made to us was a equivalent to " bullying '' on the playground. They offered us to maintain the $ XXXX/mo payment as well as then paying an additional $ XXXX/mo for their lawyer and other fees from court and payments. How utterly ridiculous and arrogant of them to assume that. They were well aware that $ XXXX/mo was a much larger payment than required, and is also why we were trying to have the loan modified an assumed in the first place. This leaves me with a earlier proposed question, : what does a multi-billiion dollar corporation need with a $ XXXX home? All we have ever wanted was to take over the mortgage for our home ( from our deceased step father ) and allow us to keep our home and the bank make a profit from the loan. They have done nothing short of being unethical, unfair, and outright greedy concerning the entire matter. Please read the letter below, and feel free to contact me with further questions. We only wish to keep our home that we love and have worked hard for. Please remember that since the letter attached was written, nothing has changed, the Bank is still mercilessly attacking us to take our home! PS : I have more than ample amounts of documentation substantiating our statements. Thank you, XXXX XXXX | ||||||
| 04/24/2015 | Yes |
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| The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account | ||||||
| 04/06/2021 | Yes |
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| Tuesday, XX/XX/XXXX : It brings me great sadness of how the employees continue their unacceptable and discourteous behavior toward a loyal customer of theirs who finally had to close her accounts on her own accord in the email addressed to Mr. XXXX on XX/XX/XXXX after he ignored me three times to reach out to him when he chose to break his promise of not calling me back on Friday, XX/XX/XXXX to close my accounts. While I was asked to reach out to a " XXXX '' whom I've now emailed a total of three times to get my money, she too, among the rest of the other negligent and malicious employees listed previously, she too has completely ignored me. What an extremely audacious and insidious group of people they are. They really are all asking for it. Also, such preposterous, absurd, and extremely audacious people furthermore refuse to communicate directly to me. It was bad enough that that Ms. " XXXX, XXXX '' broke confidentiality laws by forwarding me all of my emails to that trouble-maker XXXX without asking for my consent first, etc. This group forwards correspondence like the wild-fire to one another without the person 's consent -- there really shouldnt have to be a confidentiality waiver attached to each person 's email to this group. Nevertheless, I had a confidence waiver at the end of each of my emails to them. That's right, they expect confidentiality of their emails to be respected, yet this buffoon of a group refuses to respect other 's own privacy even when I have taken the initiative to put a confidence waiver at the end of my emails. Despite me now reaching out to " XXXX '', she too has neglected her " due diligence ''. Additionally, US Bank continues to communicate to another party about my private business affairs instead of communicating directly to me to wire my money, with no fees, period. Today, XX/XX/XXXX, another separate party notified me that Us Bank is communicating with them about my private affairs to them and NOT to Me, AGAIN. This group is really asking for it and has everything horrendous in this world coming their way. I want all my money back in my -reopened accounts so that I can wire the money accordingly to the way I see fit to my new banks. ATROCIOUS. UNACCEPTABLE. | ||||||
| 03/03/2021 | Yes |
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| XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. @ XXXXXXXX XXXX I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. @ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. @ XXXX i called my wife and she said the same thing no i dont have a account there. @ XXXX i called them back and said if you can show me the proof i would gladly pay it. I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX | ||||||
| 10/23/2016 | Yes |
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| US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance. | ||||||
| 04/22/2020 | Yes |
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| With a promo code XXXX ( {$200.00} bonus offer ) attached, I opened XXXX Money Market account with U.S. Bank, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/XXXX The terms of the promotion were : Open a XXXX Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. Though I learned that customers who had opened savings account with the same promotional offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. ( Evidence to be furnished upon request ) Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay! | ||||||
| 03/20/2018 | Yes |
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| This relates to complaint XXXX. After I filed the complaint, I got a letter from US Bank indicating that the account " was charged off due to delinquency on XX/XX/XXXX. '' The XXXX XXXX XXXX falsely represented in court pleadings that it was collecting on behalf of US Bank XXXX XXXX when US Bank has already charged off the debt. The US Bank Letter went on to say that the " Platinum Visa Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX, XXXX ( XXXX ). '' And admitted that " U.S. Bank no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself. Is the sale of an unsecured debt legal AFTER the creditor ( in this case, U.S. Bank XXXX XXXX ) has ALREADY written off the debt for tax purposes? At any rate, XXXX XXXX of the XXXX XXXX XXXX ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of U.S. Bank XXXX XXXX, when US Bank XXXX, according to its XX/XX/XXXX letter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX and the XXXX XXXX XXXX. When I left a message with the XXXX XXXX XXXX about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the XXXX XXXX XXXX is committing fraud on the court and making false representations in pleadings. And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded. | ||||||
| 08/11/2016 | Yes |
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| I applied for a credit card through DESERT SCHOOL XXXX XXXX They then transferred me to their third party ELAN FINANCIAL SERVICES. While discussing the product I applied for I realized it was not what I intended to pursue. At this point I requested to be transferred to someone who could help me withdraw my application and that is when they started to become really shady about the process. I spoke to a customer service rep named XXXX ID # XXXX and he transferred me to somewhere for a 30 minute wait and at the end of the wait they hung up on me without me being able to address my issue. I called back and was connected to a customer service rep who 's name was XXXX. I asked her for her ID # and she told me that she did not know it. So I asked her to get It for me. She placed me on hold for 10 minutes and came back with her ID # XXXX and told me she would transfer me to the correct place at this time I waited another 20 minutes on the phone and they hung up on me. On my third call back I spoke to a customer service rep named XXXX. When I requested his ID # he told me that his was not allowed to give me that information at all and placed me on hold. Now a manager named XXXX ID # XXXX heard what I wanted to do about withdrawing my application for credit and he was able to transfer me to the underwriting department. He got me on the line with someone named XXXX. I asked XXXX for his ID # and he told me that he did not have one but had a ID pin or something which was : XXXX I requested that they withdraw my application as he had confirmed that the card had not been issued yet. He told me that they could not cancel it until it had been issued. I asked to speak with his manager and he hung up on me. Upon every step in this ridiculous rabbit hole of a company I was asked to provide my social security number. As I was trying to resolve an issue I had no problem supplying it however these customer service reps can not provide me with their ID # .. This leads me to believe not only are they giving me the run around so that they can process the card and get an origination fee but are also being very carefree with my personal data. The professionalism and service of ELAN FINANCIAL SERVICES is nothing but predatory lending. | ||||||
| 08/14/2022 | Yes |
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| In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " XXXX XXXX XXXX XXXX collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your XXXX XXXX XXXX to try to settle this collections account several times. On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from XXXX XXXX XXXX, because I was traveling to support family members with XXXX XXXX. On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( XXXX XXXX XXXX XXXX entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from XXXX XXXX XXXX. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. XXXX XXXX XXXX has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because XXXXXXXX XXXX XXXX is abusing the Arizona Courts to harass and intimidate me. Regards, XXXX XXXX XXXX | ||||||
| 06/02/2021 | Yes |
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| US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all. | ||||||
| 11/08/2020 | Yes |
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| On XXXX, XXXX, XXXX, I tried to log into my USBankReliaCard through Oregon.gov Pandemic Unemployment Assistance. I wanted to check my balance and inquire about a missing weekly payment. I was unable to log in to my account. I called the USBankReliaCard representative. They said my account was locked. So, I am unable to buy groceries, pay rent, use the ATM. My account should not have been locked. It is a major inconvenience! I do not understand why they locked my account. My statements showed I used my ReliaCard to buy groceries in XXXX and XXXX, but I used my other personal USBank account in XXXX out of habit, and I wanted to save up some money on my USBankReliaCard anyway. ( I have had a personal USBank account since XXXX. ) I was told to be able to unlock my card, I had to send pictures of my driver 's license ( front and back ), ReliaCard ID number, passport, social security card, a selfie, and a medical bill with my new address on it since my driver 's license was my old address ( I moved to my current location in XX/XX/XXXX XXXX that's been the same for over 15 years ... I submitted my address change from my old address to the new address in XXXX. USBankReliaCard has a record of the transaction as they keep track of account updates. I uploaded the requested documents and called the USBankReliaCard representative again after 2 hours. They confirmed receipt of my documents and said they will unlock my account 'pending approval '. This is very unnecessary harassment towards me. I think USBankReliaCard should have crosschecked me at USBank as they would have seen I have a personal banking account with them. They have my address ( old and new ) and my signature on file. Why are my funds being hijacked by USBankReliaCard? I need my Pandemic Unemployment Benefits to buy food, pay rent, use the ATM to get come cash, etc. This is not how USBankReliaCard should conduct business by making my life more miserable without my having access to my funds that were provided me to live on through Oregon.gov. For XXXX, I wanted to pay rent by sending funds to pay my landlord, and I could not buy food today when I went to XXXX XXXX to buy groceries. The USBankReliaCard was declined twice! Now I am late on rent. | ||||||
| 08/05/2020 | Yes |
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| I am a XXXX XXXX XXXX in XXXX for 30 years. I am a XXXX XXXX XXXX, so I don't need to pay overhead for materials, etc. I am purchasing a home in which to eventually retire, and began the application process with US Bank on XX/XX/2020. As of XX/XX/XXXX, I am now nearing the end of my 60-day purchase contract window. However, US Bank is still saying it can't close because I can't produce a CPA " comfort letter '' stating that it will not be detrimental to my business to purchase this house. My CPA, a very well-respected professional, produced policy statements from the XXXX XXXX XXXX XXXX ( XXXX ) and other professional organizations of CPAs clearly stating that accountants should not provide these letters and that it places them at potential legal liability. It is his unwavering decision to follow this guidance. However, US Bank 's response is, " The bank has a whole drawer full of these letters because a lot of accountants are willing to write them anyway. '' This pits me, the consumer, in between two organizations : the mortgage lending industry and the accounting industry. Both have distinctly opposing policies. This seems unproductive, unfair, and possibly even unlawful. The bank has my profit/loss statements, my tax returns, bank account statements going back many months, and every other document they have asked me to produce. I have demonstrated evidence of more than enough funds to complete the closing. On Friday XX/XX/XXXX the loan officer finally told me that an exception was made ( about requiring the letter ) and said I was clear to close. However, on Wednesday XX/XX/XXXX, I am now told the exception is still pending because the bank is still deciding. My accountant 's advice is, " find a less-upstanding accountant ( his word a bit stronger ) to write you a letter. '' The bank says, no, it has to be the accountant who has handled my tax returns and finances. When I entered into this process I had no idea this was an issue, but it seems wholly unfair. It is too late for me to re-start the process with another lender. One of these industries should establish a policy that is not oppositional, instead of requiring consumers to be penalized by an arbitrary and contentious issue between two behemoths. | ||||||
| 12/13/2017 | Yes |
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| I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. Over the past month, I have been run in circles by U.S. Bank & XXXX. I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? I want my {$42.00} back! | ||||||
| 04/18/2021 | Yes |
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| US BANK purchased our contract on a camper sold to us by XXXX XXXX on XX/XX/2021. As of today 's date, we have been unable to register, title, or get license plates for this vehicle. In short, we've already made three payments on the US Bank loan, but can not operate the vehicle legally. We've also paid for insurance on the vehicle, which, again, can not be legally operated. We have tried multiple times to resolve this issue through various customer service reps. We get a new rep, each time, because US BANK will not freely give out contact information for the reps. US Bank will not give us a single source who will see the problem solved through fruition. Each rep makes notes, which are mostly incomplete, and then they do not follow up to see if the issues are resolved. We then contact customer service again, and the cycle repeats. XXXX XXXX collected sales tax for our state of residence, but then sent the title electronically to US Bank, who now holds an Electronic title NOT in the state of our residence. US Bank will not contact the state of our residence to initate a " State to State '' transfer of title, which would enable us to properly register and plate the camper in our state of residence. We've contacted our State MVD numerous times. They requre US Bank to contact them. We've contaced US Bank numerous times. They don't initiate contact with MVD 's, they instead require Arizona MVD to contact them ( via FAX ). Since Arizona has not used obsolite FAX communications for some years, we are stuck in an endless loop of finger pointing. In the mean time, we are paying on a camper we can not use. Most recently, US Bank has said that they will transfer this problem to their " Collateral State to State '' transfer team. However, they will not provide contact information of any kind so that we can monitor and get follow up on progress to resolve this endless loop. Transparency does not seem to be the order of the day in US Bank 's customer service structure. We have threatened to stop making payments until this issue is resolved and we can operate a vehicle which we've paid a lot of money for. But nothing seems to motivate them to resolve a problem that has lasted for more than three months. | ||||||
| 03/05/2021 | Yes |
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| On XX/XX/2020, I initially bought some great gear from XXXX, which I love, for {$93.00}. I then thought that I paid my account off in full on XX/XX/2020 ( see attached XX/XX/2020 Statement ). The account was XXXX. However, I would learn in XXXX that in fact, the account was not paid in full. US Bank provided me with inaccurate information about my account and did not accurately provide accurate information to XXXX XXXX XXXX who is my primary bank. As seen in the attached phone log that corresponds to roughly the same time as the transactions on my account ( see attached US Bank transactions ), I have spent a couple of hours trying to correct US Banks problems on my account. I was told during these phone calls that the payment of {$93.00} would be fixed, and it was not. I was told by US Bank that the reason why the payment authorization was not received was XXXX XXXX fault. It was not. I was told that it was my fault. It was not. I was told multiple times in my phone calls to fax my card number, full name as on card to Attention Research to show that there was no block on the account to the fax number for Us Bank : XXXX. Then, come to find out that I never had to fax anything to begin with. I have done everything in power to work with US Banks representatives and XXXXXXXX XXXX to make the payment that I initially made on XX/XX/2020. After speaking with US Bank Employee Manager XXXX XXXX # XXXX XX/XX/2020, she told me yet again that she will fix my problem. The amount was corrected XX/XX/2020. I found out the weekend of XX/XX/XXXX that my credit score decreased when we were looking to buy an RV to travel and see family during these trying times. I cant believe that after all that I have gone through in paying this bill, US Bank would report this payment to my credit report. I have never missed a payment or a due date. This is ridiculous and unheard of. I have done everything in my power to pay a bill multiple times in order for US Bank to not report to my credit. For this reason, I asked US Bank to correct their credit reporting. I received the attached letter and US Bank refused to correct the report. Please ask US Bank to correct the credit report. Thank you for your attention to this matter. XXXX XXXX | ||||||
| 03/01/2021 | Yes |
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| On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from my account. | ||||||
| 02/06/2018 | Yes |
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| In XX/XX/XXXX, I was offered the U.S. Bank Cash+ Visa Signature credit card by U.S. Bank through the pre-qualification page on the U, S. Bank website, located at : usbankfindmyspecialoffer.com One of the " Key Benefits '' portion of the offer stated : " Earn {$100.00} cash back after you make {$500.00} in eligible net purchases in the first 90 days. '' I took a screen capture of this offer on my computer to verify that I was indeed pre-qualified for this card. Since I was prequalified according to this offer, I applied for the card and was approved for it and subsequently met the spending requirements of {$500.00} before the end of the 90-day period. I then called U.S. Bank Cardmember Service to inquire about my {$100.00} reward and was told there was no record of it being attached to my account. The representative said they would look into it and contact me. I received a letter dated XX/XX/XXXX from Cardmember Service stating that they needed verification of my offer, so I mailed a photocopy of the screenshot to Cardmember Services on XX/XX/XXXX. I also noted in the letter that on that same day the pre-qualification page of the U.S. Bank website was showing me the same offer for yet another credit card ( U.S. Bank XXXX XXXX XXXX XXXX XXXX ), with a promise of a {$150.00} reward after spending {$500.00} in eligible purchases in the first 90 days. I did not apply for this card as I didn't need another card at the time, but I pointed it out in my letter to show that these are ongoing offers by U.S. Bank, despite the fact that the representative I spoke with claimed to know nothing of it. After mailing the screenshot as proof of the offer, I then receive a second letter dated XX/XX/XXXX, which stated they did not receive the full terms of the offer. They are now asking for a front and back copy of the promotional offer, which I do not have and which does not apply in my case, because this was an online offer via their website and not an offer I received in the mail. I am now turning to the CFPB for help, as it has become apparent that U.S.Bank is not willing to fulfill the terms of this promotional offer even though I have met the requirements and provided them with the information they requested. | ||||||
| 10/08/2023 | Yes |
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| I contacted Elan Financial Services who is managing a credit card for Fidelity Investments in XX/XX/2023 to dispute a claim with XXXX XXXX XXXX in XXXX XXXX, Florida. On XX/XX/2023, Elan Financial Services decided to not dispute the charge claiming that it was beyond a 60-day period. According to Fidelity Visa Signature Card Agreement, they state that If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Nowhere within their Card Agreement does it state a 60-day period to dispute. When I approached them about this, they reopened the dispute on XX/XX/2023. On XX/XX/2023, Elan Financial Services stated in writing that " we are unable to assist you in resolving your dispute as you received the services represented by the transaction ''. I never received services. I am disputing a product that doesn't work. They stated to me on the phone that the matter was closed because there is a no return policy with XXXX XXXX XXXX therefore, they are closing the dispute. What is the reason? A service or product. Prior to this, XXXX ( Dispute Supervisor ) stated to me and my husband, XXXX XXXX that they will force XXXX XXXX into arbitration and that the no return policy didnt matter. I told XXXX that I have emails stating that XXXX XXXX will allow a return but for only {$2500.00} if I drop the dispute. XXXX advised me to not drop the dispute because I would not be allowed to reopen the dispute. At one point, XXXX, and XXXX ( Dispute Supervisors ) started attacking my character and were yelling at me. They made a complete 180-degree change in attitude. On a recorded line with XXXX XXXX of XXXX XXXX XXXX XXXX and myself, we together called Elan Financial Services and asked to speak with the dispute department and they refused to speak with us. We called twice. Elan Financial Services has been combative and argumentative and unwilling to look at the emails and documentation sent to me from XXXX XXXX XXXX. XXXX and XXXX ( Dispute Supervisors ) at Elan Financial Services are acting as if they never read any documentation I submitted. | ||||||
| 12/06/2022 | Yes |
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| US Bank fraud department froze my wifes debit card for transactions we made while having an ample amount of cash to cover said transactions. They failed to notify us of the freeze on the card. When we called in the to the bank and was connected to the fraud department, US Bank personnel refused to lift the freeze as they had determined internally that the card had been compromised. One of the payments for which the freeze was put in place for was a for the premium payment made for my wifes medical and dental insurance through the XXXX XXXX XXXX XXXX. Their representatives refused to lift the hold on her card and hung up on us. We have no idea if a new card is going to be issued. This same card is utilized to pay for my wifes medication at the local pharmacy. We were told that we need to go to a branch location to get a new card. The nearest branch is XXXX to XXXX XXXX drive from where we live in XXXX. Upon calling the branch in Idaho where we had originally opened the account in 2004 we were advised that her card was also included in a group of cards for which there had been a data breach that allowed an outside entity to obtain debit card numbers. The location of the data breach or time had not been disclosed to us when the breach was discovered. It. Is my opinion that the Senate Banking Oversight Committee needs to investigate and question banking executives at US Bank about this data breach. The process by which US Bank handles debit card freezes needs to also be reviewed. Our local Texas banking institution ( XXXX Bank ) notifies me by both email and text message of any suspected fraud compromises in my debit card and accounts. US Bank does not. They would rather cause financial, medical, and personal difficulties rather to appropriately and proactively notify their customers when there is a problem. The resolution I am seeking is that the US Bank Fraud Department have appropriate customer engagement training. That US Bank implement an appropriate customer notification system for suspected debit card/ACH fraud issues. That US Bank have a proactive policy for notifying customers of suspected or actual data breaches within their system or the credit/debit card transaction clearing house. | ||||||
| 07/10/2018 | Yes |
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| A short while before XXXX XXXX on Tuesday, XX/XX/2018, I went to USBank in XXXX XXXX, Ohio, - with whom I have been a customer in good standing for many years. I had the intention of depositing a check from XXXX in the amount of {$54000.00} payable to me. I approached teller XXXX XXXX, showed her the check, informed her of my account number, and inquired about the availability of the funds. She was clueless. She had no idea. She said that she would get the manager. But, she came back without the manager. All of a sudden another teller XXXX XXXX, without being asked, barged into the conversation. She came over to me and rudely and arrogantly told me that I had no right to ask about the availability of funds. I demanded to know, but instead I was given a receipt for the check ( I did not fill out a deposit slip ) - which I had not yet authorized to be deposited - and was handed a notice of hold - still without having been informed of the funds availability. It is wrong, and against public policy, for USBANK to 1 ) not train its tellers about funds availability 2 ) have its employees act rudely and arrogantly 3 ) tell customers that that they have no right to ask about funds availability 4 ) deposit a customer 's check without authorization and before answering a customer 's question 5 ) not make available {$600.00} per federal regulations 6 ) hold the bulk of the money WITHOUT INTEREST for far longer than most banks, many of which make the funds available the next day and at maximum five days. 7 ) deceive the public by lying in its written policy that funds will be available NO LATER than seven business days, when in fact, holding funds seven business days is its standard policy. When banks receive deposited funds in most cases the next business day, it is time for the federal government to issue regulations limiting holds in all but suspicious instances, to much fewer days, such as one or two business days. The GREED and ANTI-CUSTOMER BEHAVIOR OF US BANK motivates me to now start looking to do business with a local community bank or a credit union, and, when appropriate, close my account at USBANK - another good customer to be lost AND no more free use of my money by a hostile, anti-consumer big bank. | ||||||
| 11/28/2022 | Yes |
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Web | Older American |
| We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us. | ||||||
| 01/02/2021 | Yes |
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| In XXXX I received a notice that my account was not current. I was confused because my bank showed that I had been charged ( through direct payment ) the {$450.00} that I had agreed on with the car dealership. I called the automated system and heard the date of my last payment and the date of my next scheduled payment. Since the system stated I did not have a payment due until the middle of the next month I believed that I received this letter as an error. I received another notice in XXXX, still feeling confused I called on XX/XX/2020 and spoke to a person by the name of XXXX. She informed me that the payment amount was {$450.00}. I told her that my agreement with the car dealership was for the payment amount of {$450.00}. She said she looked at the paperwork and did see that {$450.00} was the correct amount, she said she would change the amount to {$450.00} and remove the late fees. A couple of weeks later I received a letter stating that I had a late payment reported to the credit bureaus. I called and spoke with XXXX on XXXX and he explained that my payment had changed to {$450.00} due to an increase in taxes. Apparently, this change happened over a year ago and since my unpaid balance had reach over the {$15.00} dollar mark it was considered a late payment. I was never notified of this change and XXXX was also unable to explain this change in my account. I went ahead and paid the amount that was due. I explained my frustration to XXXX and asked that he have a manager look into the conversation that I had will XXXX and get back to me so I could see what I needed to do move forward. I never received a call back from anyone at USbank. This is when I filed a dispute report. USbank denied my dispute to remove the mark from my credit. I am very disappointed with the way all of this has been handle. I always make my payments and I should not be penalized for USbanks inability to communicate. I was NEVER notified that my payment changed. When I called the automated system, it told me that I did not have a payment due. When I did talk to a live person, I was told that I had resolved the issue, and now my credit has been harmed. At the end of all of this I could not even get a manager to call me back! | ||||||
| 04/03/2019 | Yes |
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| Follow up to CFPB Complaint XXXX US Bank made a response however they still can not provide wet ink documents showing that when the loan began that I would be charged {$5.00} per payment made after the 3rd day of the month using the USBANK website to make payments. This is a violation of Regulatory Violation of the Responsible Servicing Regulation. US Bank failed to provide me with all charges that are associated with making payments via the online US BANK website when the loan was orginated. Nothing in my documents that I recieved from US BANK at the loan orgianation indicated that I would be charged {$5.00} per month for payments made after the 3rd of the month. US Bank states that the fee is only happens if I make the payment after the 3rd of the month or if I don't use a US BANK branch or have a checking account w/US Bank to make the payment. However regardless to what is now verbally stated at no time did US BANK disclose this fee at the loan origanation. Futhermore, when I contacted US BANK for a status update on XX/XX/19 I was advised fist by Phone agent XXXX that the bank refunded were for Internet Fee 's for 4 months, however the letter from US BANK dated XX/XX/19 states the refund or reimbursement amount is for Stop Payment and/or OVerdraft Fee 's which I incurred. This of course is false and was never an issue. XXXX transfered me to XXXX XXXX who stated the same as XXXX, I was then transfered to a Supervisor who spoke to me and was adamit the remibursement was for the above stated reason. Finally the supervisor transfered me to XXXX in Customer Advocey ( XXXX ). XXXX stated the reimbursement dated XX/XX/19 was for in fact the reason listed above and NOT internet charge fee 's for month 's as XXXX stated in her response letter. She said that on XX/XX/19 no further information was ready from Customer Advocey and that I would respond later. Clearly this shows that US BANK is well organized hence these erroneous charges of {$5.00} to make an online payment need to be refunded. As stated in my orginal complaint I am seeking 100 % reimbursement of these fee 's since the inception of my first online payment to US BANK. As well interest and the cost of my lost time dealing with this issue. | ||||||
| 08/17/2023 | Yes |
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| I opened a business credit card in XXXX. I attempted to pay my bill on time, but online, on my written statement, and over the phone, my balance appeared as {$2.00}. When I paid the card online, the only amount it showed I needed to pay was {$2.00}. I knew there was more charged on the card, but couldnt figure out what amount or how to pay it. I was assessed late charges while trying to figure this out. When I called to close the account and pay off any outstanding balance today, I was informed that there are apparently XXXX buckets in their system. XXXX bucket has the amount I owe on the card and there is another bucket or container that has the minimum amount due. I was only given access to the minimum amount due and that was misleading and fraudulent. That is why I wanted to close the card today. The reason Im reaching out is because when I closed the card, the personnel on the phone did not inform me that they were recording my call until the very end. They did so only in response to me asking for an email verification that the account was closed, insisting that the call was recorded, and that was my proof. However, they did not understand that the proof was only in their hands and not mine. They insisted they could only send me a written statement, which I worried would not arrive, and so I requested some other proof in the form of a confirmation number or employee number so that I could call back and verify in case the letter did not arrive in the mail. They said they could not do anything further, and refused to let me to speak with anyone else. Then they hung up on me. I called back, and the gentleman who answered did give me a confirmation number, but I hung up feeling like this was not on the up and up. I am concerned that they wont close my credit card, and will somehow charge me or affect my credit later on. Also, they were very misleading as to how, and what amount to pay on my card. If anyone else were to take out a credit card with them, I would hate to see them rack up charges and late payments not knowing that they have this really obscure and not readily apparent system of only revealing and allowing payments of {$2.00}, yet charging late fees for the remaining unpaid balance. | ||||||
| 06/15/2023 | Yes |
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| I had purchased a pair of pants at XXXX XXXX XXXX. They did not fit and I returned them. Pretty simple. They cost {$44.00} and were purchased on XX/XX/XXXX. The item was returned with tags on it XX/XX/XXXX. My credit card was not refunded for the item in question. I contacted the store in a couple days to ask, and they stated they would investigate. They called back and indicated they investigated internally and sent the money to Fidelity Credit Card ( Elan Financial ). I contacted the number on the back of my card. They indicated they did not receive the funds and couldn't find it but sometimes it takes a month to to come in. When I waited until XX/XX/XXXX, no funds had arrived. I disputed the amount, but didn't know the exact amount as the receipt was in the other room, but I said it was around {$50.00}. When I asked for the money back and disputed the charge, they stated they will start an investigation and issued a preliminary credit. The representative on the phone stated they would credit me {$57.00} just to be safe but they could amend it during the investigation. On XX/XX/XXXX, they sent me a letter with a photocopy of the receipt from the transaction, and stated that it is different than the amount disputed. I circled the amount and stated that they have the correct one now, that it is correct on the receipt. Good job thank you. On XX/XX/XXXX I received another letter indicated that I " had not responded to the first letter and my dispute was closed and the amount was un-charged back ''. So they charged {$57.00} back to my account, but did not rectify it with the correct amount. I called immediately, and a representative stated they would reopen the dispute, could see my concern and saw the documents and weren't sure why it hasn't been processed and to give it a month. A month goes by, I called at the beginning of XXXX. They indicate the same thing, please don't report to the CFPB, give it another couple weeks it should get processed, wow that is crazy, yadda yadda. It is now XX/XX/XXXX and I am still out {$47.00} for a pair of pants that were returned months ago. Please help me! It isn't the money that is concerning ( though I do want it back ), it is the principle of the matter. Thank you. | ||||||
| 12/13/2021 | Yes |
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| I'm filing a complaint regarding an auto loan payoff with US Bank, specifically surrounding the lack of communication, the inconsistent information provided by US Bank reps, and the timeframe it has taken to close out my account and obtain a lien release. On XX/XX/2021, I called US Bank to inquire about my auto loan payoff as I needed to sell my vehicle. The rep I spoke to informed me it would take up to XXXX business days to process the lien release after payoff. I proceeded to pay off the loan on XX/XX/2021. After not receiving the lien release nor hearing anything from US Bank, I called on XX/XX/2021 ( XXXX business days after payoff ) for a status update. I was now informed that my loan account was still open and the lien release wouldn't be processed until account closure, which the rep informed me would occur on XX/XX/2021, the date of my statement closure. From then, I was told it would be another XXXX business days for the lien release to process, information that was inconsistent from what the 1st rep I spoke to. Today, on XX/XX/2021, upon checking my account online, I no longer had access to my monthly statements. I again called US Bank to inquire about the missing statements and for the payoff status. The rep I spoke to, XXXX, explained the account just closed on XX/XX/2021, and that it would now take XXXX business days for the lien release to be processed, not including mailing time. She indicated the timeframe for payoffs is XXXX business days from the time of payment ( XXXX business days to process payment XXXX business days to close the account + XXXX business days to process lien release XXXX mail time ). I am beyond frustrated with US Bank, and being unable to sell my car despite paying off my loan over XXXX weeks ago. See below for my questions : 1. Why did I receive XXXX different responses from the XXXX different reps I spoke to? 2. Why does it take XXXX calendar weeks to process an auto loan payoff when other lenders do so in less than half the time? 3. Why are all my loan statements no longer available on my online account? 4. Why have I not received any communication, written or verbal, from US Bank confirming my payoff or providing a timeframe on the lien release? | ||||||
| 10/16/2017 | Yes |
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| I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't. | ||||||
| 12/07/2016 | Yes |
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| I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so XXXX | ||||||
| 11/15/2023 | Yes |
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| On XX/XX/2023, I noticed an authorization on my credit card account for an entity called A Taste of XXXX XXXX in the amount of {$4800.00}. I immediately contacted U.S. Bank, the card issuer, to notify them that no charge was authorized before it even posted as a transaction. A fraud case was opened and a credit was applied. I had recently ordered a card for an authorized user which was never received. I assumed the card was stolen from the mail which was the only possible explanation because I am in XXXX and the other user is in Nevada making it impossible for a card in our possession to be swiped as the bank claims occurred. On or about XX/XX/2023, I received a letter in the mail requesting additional information to be returned by XX/XX/2023. Form copy uploaded. My staff tried over XXXX times to fax it to their number that constantly rang busy and unable to fax the document per their request. Recognizing the deadline was the next day, we were left with no choice but to send the document via overnight mail, tracking information will be uploaded. Much to my surprise, a new statement dropped today and this charge was re-posted. Upon calling the bank, they stated I said the card was in our possession which is a fabrication.Additionally, the authorized users do not have access to my house or the mail which is a locked box making it impossible for any authorized user to have physical possession of a card. I am uploading a screenshot of my flight to XXXX where I departed the US on XX/XX/2023 which is a week before this fraudulent transaction occurred. The only person who has access to the mail or house is my XXXX XXXX XXXX mother who is a XXXX XXXX XXXX This transaction is marked XXXX XXXX and we live in XXXX XXXX. There is no reasonable or possible explanation other than the card was stolen in the mail process and fraudulently used by someone else. I contacted the bank and they said they would have someone contact me for which I explained it must be during their night because I am in XXXX which is XXXX hours ahead of EST. I will not return to the US until XX/XX/2023. I have closed the account because I am not willing to do business with a bank that doesn't take the legal responsibilities seriously. | ||||||
| 02/24/2020 | Yes |
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| As a young consumer, I opened my first credit card with, what would become Elan Financial Services, in XXXX. I did this to build my credit score and become a financially responsible adult. I utilized the card for many years without any issues. On XX/XX/XXXX, I learned my credit card with Elan Financial Services was closed after a decade with the company. When I called in, I spoke to three different people, the last was a manager named XXXX ( refused to provide last name ) employee id XXXX. I was informed that my relationship was ended due to inactivity, however I never received notification of any form that my card would be closed if not used, nor that it actually had been closed. Upon reviewing my credit report I learned that it was closed and had a drastic negative impact on my credit score. Throughout my decade long relationship with Elan, I never had any payment issues or derogatory marks. I have never had any issues or negative marks from any other financial institution I have a relationship with either. When I asked why I wasnt informe d, XXXX simply told theyre not obligated to inform me, but they do inform clients sometimes, no reason was provided as to why I wasnt one of those lucky clients. I asked XXXX how Elan operates in the best interest of their clients, as a financial institution should, she told me they make the best business decisions and they dont tell their clients how they act in the best interest of their clients. Even if Elan did not want to maintain the relationship because they were not making money off it, I shouldve be informed so I could act accordingly. Elan severely deteriorated my credit score with this one move by closing my oldest line of credit, simply because I was not one of the lucky clients that they sometimes inform of impending closure. All clients should be treated equally and fairly by the financial institution that they entrust their financial health and wellbeing to. Elan may have discriminated against me as a female minority, or simply because I was a young consumer when I started the relationship. Whatever the reason I was not one of the lucky clients that get informed, Elan willfully acted against me as their client and my financial health. | ||||||
| 08/10/2017 | Yes |
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| THIS COMPLAIN IS REGARDING SOME TRANSACTIONS MADE ON XX/XX/2017 USING ELAVON WHICH WAS RECOMMENDED BY UNION BANK TO PROVIDE A BETTER AND EASIER SERVICE TO OUR CLIENTS. THE INFORMATION PROVIDED WAS THAT WE DID NOT HAVE A LIMIT OF TRANSACTIONSA DAY, UNFORTUNALLY THE FIRST AND ONLY DAY ELAVON WAS USED WITH OUR FIRST CLIENT THAT HAD A PAST DUE BALANCE OF {$11000.00} STARTED THE ISSUE. ON THAT DATE 22 TRANSACTIONS WERE MADE IN LESS THAN 1HR BY OUR CLIENT REQUEST TO KEEP AS RECORD EACH INVOICE PAID WITH IT OWN RECEIP. ELAVON REPRESENTATIVE : XXXX XXXX | Fraud Analyst Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX T. XXXX| F XXXX |XXXXXXXXXXXX CONTACT OUR CLIENT TO AUTHORIZE THE 22 TRANSACTIONS MADE IN THAT PERIOD OF TIME AND TO MAKE SURE WAS NOT A FRAUD, OUR CLIENT ACCEPTED, AUTHORIZE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON REPRESENTATIVE ... 2-3 DAYS AFTER I SPOKE TO ELAVON REPRESENTATIVE AND INFORMED ME THAT SHE AND HER MANAGER DECIDED TO HOLD THE MONEY FOR ANOTHER 60 BUSSINESS DAYS BECAUSE TO THEM SEEMS THAT A FRAUD WAS MADE EVEN THOUGH THEY SPOKE TO THE CARD HOLDER AND EVERYTHING WAS AUTHORIZE. I HAD TO RECUR TO UNION BANK WHICH THEY ALSO TRYED TO GET OUR MONEY REALESE BUT THE REPRESENTATIVE DOES NOT RESPONDE TO THEM. IT HAS PASS MORE THAN 60 DAYS AND STILL ELAVON HAS NOT RELEASE THE AMOUNT, MY COMPANY HAS DONE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON ( proof : emails and calls ), ELAVON IS RETAINING MY COMPANY 'S MONEY AND THEY ARE NOT PAYING THE INTEREST, THE EQUIPMENT PROVIDED BY ELAVON TO MAKE TRANSACTIONS IT IS FULLY PAID. THIS COMPANY IS MANAGED BY XXXX ( poor english speeking ) OWNERS AND SINCE THE TIME WE HAD A HARD TIME TALKING TO THE REPRESENTATIVE AND SHE AND ME AND MY WIFE NOT ABLE TO UDERSTAND EACH OTHER XXXX CHANGED ATTITUDE AND WAS WHEN SHE DECIDED TO GO UNDER AN INVESTIGATION OF 60 DAYS BECAUSE SHE THOUGHT IT WAS A FRAUD. IT IS NOT FAIR BY HER SIDE AND WE ARE VERY UPSET TO NOT BE HELP BY ELAVON REPRESENTATIVE AND SPECIALLY CALL A FRAUD TO A HAND CLEAN CLEAN. TO US SEEMS IT IS A RACIST ISSUE. UNFORTUNALLY WE LOST OUR CLIENT DUE TO ELAVON ISSUE AND DONT WANT THAT TO HAPPEN AGAIN. THANK YOU FOR THE TIME AND HOPE SOMEONE CAN DO SOMETHING REGARDING THIS CLAIM. | ||||||
| 03/22/2016 | Yes |
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| Yesterday, XXXX, XXXX, 2016, I personally went to USBank, XXXX XXXX XXXX Branch to inquire about my Cashier 's Check that I never received. Go to find, XXXX XXXX, Personal Banker sent the Cashier 's Check by XXXX, but the Check never arrived. XXXX, Personal Banker gave me a print out of the XXXX information. I then, checked with the Drop-Off Location, XXXX Store # XXXX, XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, CA ( XXXX ) XXXX. They only had a record of it being dropped off on XXXX XXXX, 2016 at XXXX XXXX. So, they told me to call XXXX ( XXXX ) XXXX to locate the check and I found out that the check was " LOST ''. They CAN NOT find the location of the check since it was dropped off at the hub in XXXX XXXX, CA. Now, since the check is LOST it needs to be investigated and it will take time to locate. I went back to USBank to explain what happened and there was " NO ONE '' in charge. " NO BRANCH MANAGER '' nor " NO ASSISTANT BRANCH MANAGER '', only the Personal Bankers that told me there 's nothing can do for me. They firmly said, they " WILL NOT VOID '' the LOST CHECK, nor will they " ISSUE ANOTHER CHECK ''. And, that I had to wait 90 days until they resolve this issue in order for them to issue me another Cashier 's Check. What kind of bank business is this? It makes " NO SENSE '' whatsoever. The FACT that I am reporting this check being " LOST '' by XXXX, they are still adamant to not issue me another check. SERIOUSLY?? Firstly, XXXX XXXX, Personal Banker took it upon himself to " CLOSE '' my Checking Account without notifying me by phone. Secondly, he had the Branch Manager XXXX XXXX XXXX send me a letter which was sent " Regular mail '' that, I received with no problem ( why did n't they include the Cashier 's Check in that envelope )? On the letter it states that it was sent " Certified Mail '' which is a " LIE '', because the envelope has no notification of it being sent " Certified Mail ''. Thirdly, my Funds are lost and they want me to wait for 90 days before they issue me another Cashier 's Check with " NO FALUT '' of my own. I find this to be completely " UNFAIR ''. Instead of the Personal Bankers, being helpful and apologetic ; they treated me with total disregard and disrespect. | ||||||
| 12/12/2022 | Yes |
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| I took a loan for my XXXX model y, XXXX from US Bank. The loan was paid off on XX/XX/XXXX. US bank took ten days to process the loan payoff and issued a title release to the department of motor vehicles in the state of Nevada. However instead of releasing the title to the owner of the car ( XXXX XXXX ), they issued the title to themselves. The title was shipped from XXXX on XX/XX/XXXX to a XXXX XXXX XXXX Ohio which belongs to US bank. We have called US bank multiple times to address this issue and have not gotten a clear response. Someone from their end has made a mistake and now they are refusing to acknowledge that they have the title. Nevada XXXX issues titles only once a month and it's not easy for us as owners to request a new title and XXXX has indicated that we may have to wait until XXXX next year to get a new title due to the current backlog. I took a deposit for my car and needed to sell it and because US bank is refusing to return our title, the sellers are backing out. The value of used cars have since depreciated significantly. US Bank hasn't shown urgency in this matter and have given us quite the run for our title and money. On multiple calls with US bank, I have received different information from them. Their records are not up-to-date and the customer representatives lie to us about when the lien was actually released to the XXXX. They say that lien was released recently on XX/XX/XXXX when I have proof from US bank that lien was released on XX/XX/XXXX. I have attached the copy to this complaint. They even refuse to acknowledge it and say that it's impossible for them to receive the title. US bank has failed to investigate this issue on their end and put accusations on XXXX and us. XXXX on the hand has confirmed multiple times that US bank identified the XXXX XXXX XXXX Ohio as the address for sending the title and not the owners. We want our title ASAP and US bank should pay the difference of the money we would be losing on our car since they have held on to our title for so long. I am expecting around {$8000.00}. Kindly address this issue and respond ASAP. Our next step would be to send a demand letter and a formally file a suit and complaint against US bank. | ||||||
| 11/09/2015 | Yes |
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| Since XXXX of this year, I continue to be stalked and harassed severely enough for criminal prosecution by a party possibly living next door, who works for US Bank which has an office literally up the street in XXXX, IL. I had changed apartments to the current residential address a few months prior. In XXXX, some person at US Bank started modifying my US mailing address to change it to the prior one, which the attachment indicates is the case, and started sending out " XXXX '' like " hoots '' which continue to inflict severe disruption and thousands of dollars in damages and twist and turn, but in all cases, falsify claims to third persons, send me harassing US mail, phone, fax email etc, and assault my business and person wholescale like a XXXX now for nearly 90 days nonstop. US Bank continues to send out anonymous mail from several states, and in each case, never makes the same false claim XXXX, and continues to taunt and flaunt that it is just so high and mighty " that I can '' XXXX, but the issue is allegedly something like that and that the party at US Bank is royalty who " can ''. As per the attachments, the person running this public op at US Bank has continues to seek out methods to block terminating the damage infliction and harassment, currently removing all public services and contact nationally retaliating like this or worse every time I have worked through a mediator like CFPB or XXXX of MN. The person has lied to external parties including the CFPB and the XXXX of MN repeatedly in each instance. It has also lied about the continual change of my US mailing address by this person at US bank interfering with US mail as well. I am now required to not work with any US bank customers nationally by US Bank in retaliation for what they need public prosecution for and continues to taunt as being instead so publicly corrupt and powerful that they " can '' which is another problem that involves persons who are required by law to regulate and prosecute bank employees like this and who are clearly in their pockets and its still acting like in the pants of somebody involved who has created public abuse on the level of what they used to do to XXXX in XXXX area west of XXXX famous for it. | ||||||